Izinhlawulo yokukhokha sekwedlule isikhathi Umbuso. Kanjani ukubala inzalo okuzenzakalelayo

Ngokusho umthetho izindlu we Russian Federation, wonkhe umhlali ethola amasevisi izindlu, kumele akhokhe ukubaluleka kwabo kungakadluli usuku 10th lwenyanga emva kokuphela, ngaphandle uma kungenjalo enikeziwe inkontileka esiphethwe inkampani ukuphathwa noma HOA. Uma inkokhelo ingakhokhwa ngesikhathi esifanele, ubhekana nalokhu accrual yenhlawulo yokukhokha sekwedlule isikhathi Umbuso izikweletu.
Njengoba sazi ukuthi konke kuba ezibizayo nge ngamunye odlulayo usuku, phenomenon ezingemnandi ezinjalo, njengoba inhlawulo, isijeziso futhi izinhlawulo, kufanele abhekane kaningi. Ngakho-ke kubalulekile ukuba ucele indlela abala izinhlawulo yokukhokha sekwedlule isikhathi, futhi mhlawumbe ngokuphelele ukugwema lesi simo esingajabulisi.

Ukuze ukhokhele konke

Njengoba sazi, ubudlelwane Izinsiza zomphakathi kanye nezinsizakalo umthengi kwakungamadodana mlonyeni ngaso sonke isikhathi. Kukhula sikweletu Izinsiza kwesinye isikhathi ukuletha izinhlangano ezifanele eduze ezikweletini. Lokhu kunjalo ikakhulukazi kuyi sisasebenza nanamuhla, ngokoMthetho ukwanda Imininingwane kwamanani for bonke. Yingakho izinkampani ukuhlinzeka imisebenzi kamasipala lalolo, ezama ngazo zonke izindlela ukuze sikhuthazeke amakhasimende abo, uzithola ukukhokha ngesikhathi, noma kangcono nokho - ngaphambi kwesikhathi ebesibekiwe. Elinye ithuluzi ezifana ukukhokhelwa izinhlawulo yokukhokha sekwedlule isikhathi.

udaba embi

Ngokusho kochwepheshe ezimele, nje-6% of abathengi ngezikweletu kokunganaki ku ngokuhlanganyela. Nokho, ngisho le nombolo ezibonakala zizincane kubo akuzona abahlinzeki okhokhela eside tibalo amasevisi. Futhi ingxenye kuphela kulabo abakweleta akudingeki ikhono zezimali ukukhokha izikweleti ngesikhathi, kuyilapho ingxenye defaulters ezinonya yesibili ngempela uyakwazi "ukudonsa" umthwalo Umbuso indawo, kodwa ngenxa yezizathu ezihlukahlukene hhayi ukwenza kanjalo. Othile ngamabomu musa ukukhokhela ugesi, igesi kanye amapayipi, enethemba lokuthi abanye uhlobo abayizipoki "mhlawumbe", othile uletha lokukhohlwa aphansi. Kuyinto kulezi amaklayenti, uhlushwa 'sclerosis wezimali "unswinyo ingajezisa libe nethonya kakhulu. Usayizi izinhlawulo yokukhokha sekwedlule isikhathi ngokuvamile kwenzeka ukuthi, kakhulu overpaying kanye, emva kwalokhu "zabyvashki" baqale ukuqapha ngokucophelela nesikhathi yokukhokha.

Awunayo ukhokha? Udinga isihlamba!

Ngokuvamile, umnqamulajuqu irisidi zokukhokha ohlanganyelwe - wusuku 10th lwenyanga kulandela isiphetho, nakuba ngezinye izikhathi ezivumelwaneni ngazinye ezinye HOAs ongema kwenye idethi. Nokho, uma ihora "X" amaresidi zakho zihlala ezingakhokhwanga ke ngosuku olulandelayo kuzoqala ukuze qongelele isigwebo. Ngakho-ke, usayizi izinhlawulo ukubambezeleka ukuphela kuvela ukuthi eside, isikhathi eside nawe Dodge le ulindele ukubuyiselwa yona iphelele yesikweletu. Ngomqondo onabile, asikho isidingo ukubala inani elihle wena, wena namanje irisidi, lapho izinhlawulo izofakwa ohlwini, kodwa ukwazi isimiso sibalo yayo, ungakwazi uphinde uhlole umphumela. Uma une into engavumelani, kungenzeka ukuba inselelo izenzo inkampani ukuphathwa enkantolo futhi ahlinzeke ukubala kwabo, kanye nobufakazi bokuthi uye wayenezizathu ukubambezeleka.

ukuthonya okweletayo enye indlela

Ngaphezu izinhlawulo yokukhokha sekwedlule isikhathi, Umbuso indawo angasebenza nezinye unswinyo. Uma ungenalo ukukhokhela izindleko zakho izinyanga okungenani ezintathu, silungiselele yokuthi 'wanqunywa' ukukhanya, amanzi kanye negesi, ngokuvamile, zonke izinto okuyiwona bamshaya.

Ngemva kwezinyanga eziyisithupha, inkampani, umphakeli unelungelo lokufaka isicelo enkantolo ukuphoqelela lelo cala. Kulokhu, isinqumo ngeke cishe hhayi umusa emehlweni akho, futhi kuyomelwe ukuhlangana bailiffs, ngubani izozama azithathele impahla kanye nebhange lakho akhawunti.

Uma uthishanhloko, futhi inzalo isikweletu Umbuso izikweletu ziyoyidlula embundwini 10 eziyinkulungwane. P., I ohlulekayo ngeke babe nezinkinga ukuhamba phesheya, futhi bathengisa impahla, burdened nga ngalindelekile izikweletu, ngeke isebenze.

Nokho, ngokwedlulele kunazo isilinganiso ukuchayeka defaulters ezinonya kuyinto kuxoshwa bephoqeleka. Kweleti uhlala kwezindlu zikamasipala, isinqumo senkantolo kungase kudingeke ukuba lishiye ngokunikeza esikhundleni enye, ngesilinganiso 6 m ² ngomuntu ngamunye.

Njengoba izinhlawulo enqwabelene yokukhokha sekwedlule isikhathi Umbuso

Labo ngokungazi aphathe izibopho zawo ezingokwezimali ukuze inkampani ukuphathwa, udinga ukwazi ukuthi ecolekileyo liyakuthengiswa eziphoqelelwe ngalunye usuku yokungakhokhi yenkokhelo baba.

Ukubala inzalo yokukhokha sekwedlule isikhathi kuyadingeka ukwazi izinkomba 3:

• inani izikweletu;
• inani lezinsuku kokulibala, kubandakanya i-date buyiselo;
• CBR refinancing isilinganiso (i-akhawunti efanayo) ngesikhathi ukubala.

Kuze kube manje, usayizi nenhlawulo wayezimisele njengenye emithathu wokuhamba we lesaphulelo Central Bank ngalunye usuku ukubambezeleka yokukhokha. Ukuze uqonde ukuthi ukubala inzalo okuzenzakalelayo, udinga zonke izingxenye ngenhla zifakwa ifomula:

N = Cs x D x Cp / 300

• N - nenani isigwebo (okukhokhwayo);
• Cs - lemali isiyonke ekhokhwayo kulolu hlobo yokukhokha;
• D - inombolo - Inani lezinsuku inkokhelo sekwephuzile;
• Isilinganiso - izinga refinancing we Central Bank ngo ukwabelana (.. Okungukuthi, isidingo senzalo ehlukaniswa 100%); okwamanje samanje, kuba 8,25%, okusho ukuthi Coefficient esetshenziswa ukubala okulandelayo: 8,25% / 100% = 0,0825.

Isexwayiso! Uma isaphulelo rate (isilinganiso refinancing) ingashintshiwe ngethemu esikweletini, ukubala kufanele sigcwaliswe ngokuhlukile kwenkathi ngayinye - ngaphambi ushintsho futhi ngemva kwaso.

"Ukhiye" lwezezimali

Ngaphambi ukubala inzalo okuzenzakalelayo, izindleko waphinda ukuhlukanisa ngokucacile phakathi kwalezi zinto zombili amazinga Central Bank - futhi i-akhawunti ukhiye. Uma kuqala isetshenziswa sokubalwa ezihlukahlukene izinhlawulo kanye nezinhlawulo, wesibili isetshenziswa ekulinganiseni uhlelo yasebhange iyonke. Kakade kusukela 2016, Central Bank ihlele kufanisa le miqondo emibili, kodwa baze anezincazelo ezihlukile ngokuphelele.

Kuyinto ukusebenza engazinzile ukhiye izinga emenza rush - kwakuthiwa kwaba ngenxa yalokhu kakhulu anda inani inhlawulo kwalabo ababengeke ukukhokhela ugesi, wokukhuculula imfucumfucu namanzi ngendlela esifike ngesikhathi. Nokho, izingxoxo ezinjalo azibona ngaphandle kwesisekelo. Kodwa lokhu akusho ukuthi "zabyvashki" uphefumule lula.

I 'ngiyacela' nyaka

Ngokusho izitatimende izikhulu isiRashiya, ngo-2015 ekubalweni izinhlawulo yokukhokha sekwedlule isikhathi zizokwenziwa ngendlela entsha. Ikhodi Ezezindlu uzobe uchitshiyelwe ngokuphathelene izinga refinancing of Central Bank. Manje, sokubalwa inhlawulo ukusebenzisa ezintathu eziyikhulu stosemidesyataya kusuka ukubaluleka kwalo futhi. Ngakho, ubukhulu izinhlawulo kanye nezinhlawulo izokwenyuka ngo cishe isigamu, futhi labo singayinaki yokukhokha esifike Umbuso izikweletu, ngeke ngaphezu kwalokho sizinake ngaphezu 17% ngonyaka emalini ezikweletini, okuyinto efana isilinganiso ebhange.

Nokho, izichibiyelo entsha umthetho kukhona isikhashana omuhle - manje deviators inikezwe kakhulu ngendlela 3 izinyanga ukuqinisekisa ukuthi ngokuzithandela ukukhokha isikweleti. Isijeziso ukubala oyokwenziwa kusukela kuqala, futhi ukubambezeleka sezinsuku ezingu-91 e yokukhokha.

Indlela yokugwema izinhlawulo yokukhokha sekwedlule isikhathi Umbuso

Impendulo yokuqala futhi enengqondo kakhulu isobala - ukukhokha izikweleti ngesikhathi. Kodwa ngezinye izikhathi zikhona izimo lapho loku kungenteki. Uma ungenalo sibhekane ngokuphumelelayo umthwalo Umbuso ngenxa yokuthi kwehlisa Umholo noma ulahlekelwe umsebenzi wakho futhi bonke, ungahlela soxhaso. Futhi uma awunayo le isinxephezelo kudingwa umthetho, kumele kuphetfwe nomnikezeli wesevisi inkontileka ngabanye noma isivumelwano lokuchibiyela ukuhlinzeka zokwakha kabusha noma ukubuyiswa kwemali schedule ngabanye.

Uma uya uhambo olude noma nje banquma ukuchitha ehlobo kuleli zwe, ungaxhumana inkampani ukuphathwa nesicelo esifanele, ngesisekelo lapho kuzokwenziwa zokubala kabusha. Uma ungafuni ukuba banikezele abasebenzi ukuba yinkampani yezinkonzo zomphakathi ukuthi efulethini yakho ayinalutho isikhathi eside, le zokubala kabusha kungenziwa ukubuya kwakhe. Ngokwemvelo, kulesi simo kuzodingeka ukunikeza kweqembu imibhalo eqinisekisa ungekho. Kungaba idokhumenti travel, incwadi kadokotela, ithikithi yokungcebeleka nokunye. Kufanele kukhunjulwe ukuthi kungenzeka ukuba recalculate kuphela ingxenye Umbuso izikweletu, okuyinto akubahluphi amasevisi obschedomovyh bafudumale, njengoba lezi izinkokhelo kuyoba ngenxa kungakhathaliseki khona kwakho in the efulethini.