Investment intela credits - kuyinto ...

Okwamanje, kukhona cishe awekho izinhlangano ukuthi wayengeke asebenzise emsebenzini wabo izimali ezibolekwe ngoba sesimanje ukukhiqizwa, ubuyise kokusebenza kanye izinto zokusetshenziswa. Ukubolekwa kwemali ngokuvamile benziwa amabhange zonke izinhlobo. Nokho, kukhona uhlobo eyingqayizivele ngempela imali, ngosizo okuyinto kungenzeka ukuba ukuxazulula inkinga yokushoda kwezimali. Sikhuluma lo mkhuba intela utshalomali nokubonga. Basuke run by isimo. Kuyadingeka ukuba siyiqonde ukuthi iyini.

izici Jikelele

Ngokuhambisana Tax Code, esenziwa ngo-Russia, ikhredithi intela utshalomali - akusiyo loan, futhi uhlobo lokukhokha elihlehlisiwe. Abanaso ukunikeza irisidi langempela kwezimali enhlanganweni, kodwa ukuklama kuphela amakhono ukukhokha izintela kuhulumeni ngobukhulu ezincane kakhulu. izimo Ukubolekwa anesizotha okuphindaphindiwe izimo ukuboleka akhishwa ezahlukene credit izikhungo, okungukuthi amabhange kanye isitokwe ejensi ngaphansi kwazo. Lena isivumelwano esimweni isakhiwo.

Njengoba loans yasebhange ezivamile, intela utshalomali credits kusho ukuthi kukhona isikhathi esithile imalimboleko, ngenkathi lizokhokhiswa isithakazelo, ngokuvamile encane kakhulu, kanye nezinsuku buyiselo. Ngaphezu kwalokho, inkontileka kunqunywa umthwalo impahla ngenxa yokungakhokhi futhi ihlinzeka isiqinisekiso sokuthi izibopho zabo azogcwaliseka zombili.

Izici

Kaningi, izikweletu zentela kubalwe hhayi kuphela izinkampani ezinkulu obujwayelekile, kodwa futhi amabhizinisi ngabanye ukuthi futhi udinga ukwesekwa ekuxazululeni izinkinga izinkokhelo kwesabelomali. Nokho, utshalomali intela credits - yinto itholakala kuphela izinhlangano ezingokomthetho. Lesi sici isimiso kreditozaemschika impahla icala ayemkweleta. Inhlangano angahoxisa yonke impahla ngamasimu, ngisho ngaphandle isinqumo sokwahlulela. Futhi ukuphuca ngumhlali abavamile impahla yakhe cishe akunakwenzeka usesimweni esifana. I Civil Code icaciswe amaphuzu ku nokuvikelwa kwempahla ngasese, ikakhulukazi uma lokhu kudingekile ukuze zokuhlala unomphela.

Loan injongo

Utshalomali intela credit elinikezwayo kwinhlangano, isibonelo, ukuze axazulule yentela ngemali engenayo. Uma wephula imigomo lokukhokha yayo isimo ngokuvamile eziphoqelelwe ezihlukahlukene unswinyo, izinhlawulo kanye inhlawulo. Yingakho ukuze ugweme ukuba bakhokhe ukuze uMgcinimafa inani elincane kakhulu ngezimali ezazidingeka ukuze i- ngokuya ukukhokhwa kwezintela. intela Investment credits ingasetshenziswa uhlu olude ezinjalo imigomo, okuyinto zinakekelwe isimo. Kanye intela ku inzuzo eyenziwe ayeyiboleke yezwekazi kanye nasezingeni lamazwe sendawo izinkokhelo isabelomali.

umphumela

intela Investment credits, kanye nezinye izinhlobo abolekise, ube indlela yabo eqondile isinyathelo lapho inhlangano njengoba kushiwo ngenhla, kunganciphisa izinkokhelo nesikhathi sangaphambilini. A sokusebenzelana phakathi kwezinhlangano liyophelela lapho inani izintela ezingakhokhiwe bayokhululwa on ezingeni elifanayo ne isamba semalimboleko. isivumelwano esinjalo yi ifana imvume kuhulumeni ukuthola noma yiziphi izikweletu. Inhlangano alinalo ilungelo ukunciphisa izinkokhelo unomphela. Isimo ubeke umkhawulo 50% of the isamba intela ekhokhwa ezimweni ezivamile. intela Investment credits ukuhlinzekela luhlaka isikhathi, lukaKhisimusi zonke ezinye sokubolekwayo. Futhi lapha sikhuluma imikhiqizo eminingi yasebhange. Isikweletu sentela utshalomali linikezwa nenkathi eyiminyaka engu-1-5. Ngokuvamile ngalesi sikhathi kwanele ukuxazulula izinkinga sezimali zenhlangano.

ukusebenza ikakhulukazi

Investment intela credit inganikelwa kunoma iyiphi inhlangano, kuyilapho kukhona izimo lapho inkampani uthola kwenkathi ethile noma ukulahleka kufanele akhokhe intela ngaphansi kunokulindelekile. Kulokhu, okuthiwa credit ngokweqile. Kusukela onjalo isikhundla silula ukungena - yonke imali ufuna ukudlulisa nesikhathi esilandelayo.

Naphezu kweqiniso lokuthi kungenzeka intela credit utshalomali banikwe isikhathi iminyaka 1-5, naso sonke lesi sikhathi, iziphathimandla zentela kunalokho aqikelele ukuthi inhlangano elawulwa elikhiphe ke. Akumele nje ukulungiselela ukulungisiswa okuqinile kakhulu isidingo ukuncipha okukhulu kangaka ibe yisikali ka ukukhokha intela, kodwa futhi ukunikeza lonke loan imibiko ezinemininingwane ukuqaliswa imisebenzi yezezimali. Ngaphezu kwalokho, le nhlangano siyohlale hlola intela, izikhathi eziningi kakhulu kunokujwayelekile. Lokhu kungokwemvelo, ngoba isimo kuhloswe ukulawula okuqinile kwezindleko kusukela isabelomali.

Ubuqili inqubo

Isikweletu sentela utshalomali ithuba elihle yabakhokhintela ngesikhathi bavunyelwe ukunciphisa izinkokhelo zabo zentela, ngokwezinga elithile, esikhathini esizayo ngezigaba ukwenza izinkokhelo hhayi kuphela loan kodwa futhi inzalo enqwabelene kuso. Lolu hlobo lwe-loan iyatholakala intela edonswa eholweni, kanye ezinye endawo nawesifunda.

Utshalomali intela credit elinikezwayo yezinhlangano yentela ngemali engenayo. Kulokhu, inhlangano, yithole, banelungelo ukunciphisa izinkokhelo zabo zentela ngethemu yesivumelwano. Nciphisa uzobe kukhiqizwa intela okuhambisanayo ngesikhathi lokukhokha ngamunye. Yenza lokhu uma nje imali ingakhokhiwe inkampani ngenxa ukuncishiswa esinjalo, kuba ilingana nenani lezinombolo imalimboleko, lesi sinqumo ngaphansi inkontileka. Kule ncwadi sihlinzekela zonke izici eziphathelene oda ezithile nokwehlisa ukukhokha intela.

izinkontileka eziningana

Uma inkampani has izinkontileka eziningana waphetha ngoba isikhathi ohambelana boleko semthethweni ngesikhathi inkokhelo elandelayo yisikhathi, ngamunye wabo, lemali anqwabelene imalimboleko izonqunywa ngokwehlukile. Ukwenyuka Kulokhu wenziwa ukuze, eziqala inkontileka, okuyinto waklonyeliswa isethi lokuqala imikhawulo ngemva isamba idokhumenti enhlanganweni uzokwazi ukwandisa lemali anqwabelene for the inkontileka esilandelayo.

Naphezu kweqiniso lokuthi kungenzeka intela credit utshalomali nanganoma kwentela yemali engenayo, imali ayikwazi ukudlula kwesigamu isamba intela. Uma inani kukuthenga loan lidlule 50%, umehluko phakathi imali oyitholile ovumelekile esiphezulu idluliselwe kwesikhathi esilandelayo kumiswa izitatimende. Esimweni lapho okwesikhathi esithile sekubika, inhlangano iye kwadingeka ukulahlekelwa ngenxa imisebenzi, kuyilapho insalela zanqwabelana isamba idluliselwe kwesikhathi esilandelayo, kodwa ngesikhathi esifanayo ibona anqwabelene credit inani sekubika kuqala.

Ubani can?

Ngokuhambisana Article 67 Tax Code intela utshalomali credit kungenzeka sinikezelwe uma inkampani ihlangabezana nezimfuneko ezithile:

- Inhlangano izibandakanye ucwaningo, imisebenzi ukuthuthukiswa noma lobuchwepheshe kabusha imishini ukukhiqizwa yayo, kuhlanganise nalezo okuhloswe ngaso kumiswa imisebenzi kubantu abakhubazekile, kanye nokuvikela imvelo ekungcolisweni nge kwemfucumfucu yezimboni. Kulesi simo, intela utshalomali credits ayatholakala yemali ukuthi ingu-30% yezindleko imishini wathenga zonke lezi zinhloso.

- Ukuze izinhlangano ukuthi kukhona imisebenzi ezintsha noma emisha, kuhlanganise wahlanganyela ukudalwa entsha noma ngcono ubuchwepheshe isicelo, ukudalwa izinhlobo entsha yezinto noma izinto zokusetshenziswa. Kulokhu, kungenzeka utshalomali intela credits enikeziwe phezu amanani ukuba inhlangano nomzimba ogunyaziwe okuxoxiswene.

- Ukuze izinhlangano ukuthi bekwi nokusetshenziswa kwemiyalo ukuthuthukiswa kwezenhlalo nezomnotho Okubaluleke kakhulu, kanye nokunikeza izinsizakalo kubaluleke kakhulu lezakhamuzi. Kulokhu, isamba semalimboleko uzophinde izonqunywa imiphumela isivumelwano amaqembu '.

umshwana nezivumelwano

I inkontilaki noma isivumelwano loan liyadingeka aqukethe izinto ezilandelayo:

- ukuze, ngokulandelana, okuzokwenza wehlise ukukhokha intela;

- inani loan;

- isikhathi sokusebenza;

- inkomba yokuthi intela, okuyinto kuzonikezwa emalini ebolekiwe echazwe;

- inani isithakazelo ukuthi uzobe wathola lemali imalimboleko;

- oda buyiselo;

- yimaphi amaqembu.

imibhalo ehlobene

intela Investment credits ngeke anikezwe uma hhayi ukukhipha mortgage endaweni noma isibambiso sivumelwano. Kule ndaba kuyadingeka zisebenze imibhalo inkontileka kuleso sakhiwo, okuzoba isihloko isibambiso. Ngaphezu kwalokho, inkontileka kumele icacise amalungiselelo ukuze avimbele izenzo zakhe phakathi kokudlulisela ku yifa noma ukuthengiswa imishini noma lonke impahla, uma yokufuna ingenye amaphuzu ukunikeza inhlangano esachazwa loan.

okutholakele

Maqondana iziphathimandla zentela zendawo noma lesifunda ukusetha izimo zabo ukuze nokuhlinzekwa intela utshalomali credit. Lapho lo mthetho kuvunyelwe ukusetha izimo zabo ngokunginika loan futhi izizathu lokhu, kanye ukushintsha ovumelekile Uhlaka isikhathi loan.