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I loan entshisakalweni khulula phakathi izinhlangano ezingokomthetho: ikhophi yesivumelwano, imiphumela intela

Ngenxa loan entshisakalweni khulula, izinkampani eziningi ayakwazi ukuxazulula izinkinga zanqwabelana. Okwenziwayo kungabanga abantu ngokomzimba zomthetho. Izinkinga nabantu cishe alikho nhlobo. Kodwa ngenxa yamuva ayizona imibuzo kokungenzi lutho intela. Kulesi sihloko sizohlola loan phakathi izinhlangano-free zomthetho: yenziwa kanjani, yiziphi izingozi zempilo ukuba sifana nebhere, futhi yiziphi amathuba ukunciphisa kubo.

Umcabango

Zisuka nje, kufanele kukhunjulwe ukuthi kuthengiselana kumele uqaphele kakhulu. Uma yonke into yenziwe kahle, imiphumela intela kungagwenywa. Ake sicabangele loan inkontileka-mahhala kusukela iphuzu Ngenxa imithetho yentela. Phela, kulolu hlangothi angaba nezinkinga.

ukubolekisa Mahhala, badlulisela ngolimi olulula, kusho ukuboleka imali ngaphandle kwenzalo. Ngokwemvelo, lokhu kusho Obolekayo ishibhile omuhle kakhulu. Phela, amabhange lelinjalo abasoze ukunikeza. Kodwa abanye, abantu abantu zomthetho ukwenza kanjalo kungaba.

Izici

I loan entshisakalweni khulula phakathi izinhlangano ezingokomthetho kuyinto kuthengiselana lalivamile. Ziyakwazi izinkampani ukuthi kukhona ngokubambisana noma kobungane nobudlelwane. Kukhona ngisho nezinhlangano ekhethekile wahlanganyela elikhiphe sokubolekwayo. Okwenziwayo kumele sihambisane isiphelo sesimiso inkontileka, futhi kungaba noma eyodwa emaceleni noma amabili emaceleni. Ngaphezu kwalokho, kuvunyelwe ukubandakanywa wenye ukuze siqiniseke ukubuya imali yomuntu obolekisayo. Enhlanganweni esisemthethweni kungenziwa ezamukelwa njengemiBhalo ezinjalo.

Incwadi yesivumelwano ezibekwe ngokucacile inkathi lapho likhipha i-loan, kanye nenani. Kufanele ngempela siqinisekise ummeli olungisa izivumelwano. Naphezu kweqiniso lokuthi ngokucacile ebekiwe izikhathi lokushintsha umboleki najlo imali ngaphambi kwesikhathi esethiwe.

Kufanele kuqondwe ngokucacile ukuthi into enjalo kungase kungabi njalo, ngaphandle kwalokho ngeke bakwazi ukugwema ukuqashelwa okukhethekile nokuqaphela phezu ingxenye iziphathimandla zentela. I loan entshisakalweni khulula phakathi izinhlangano ezingokomthetho kufanele ikhishwe kuphela injongo okungesona sebhizinisi. Ukube kwakungenjalo, uyokhokhiswa intela.

Uma inhlangano ngokuvamile kakhulu ku ukuthengiselana okunjalo lokuhlola ongeza esiphethweni sokuthi ngale ndlela ezama ukubalekela izintela nokuziphatha umsebenzi yasebhange emthethweni.

I loan entshisakalweni khulula phakathi izinhlangano ezingokomthetho: yini okufanele uzibheke?

Ngokufaka ibe kuthengiselana, umbolekisi kufanele baqaphele ngokukhethekile. Indlela yokuqala ngawo ungazivikela ukubeka umnqamulajuqu ecacile for lapho imali kumele ibuyiselwe emuva, kanye ukuhlonza imiphumela engemihle uma imali ngeke unikelwe. Lapho umnqamulajuqu sokukhokhwa kwesikweletu umboleki ebhaliwe incwadi isimangalo, okuyinto wakhumbuza okumlindele uma kwenzeka yokungakhokhi. Abangenakho ulwazi ekhethekile, kungcono ubonane onguchwepheshe ukuze ukubhala kahle ngasondelana up.

Mahhala inkontileka yemali kufanele sifake isihloko esithi "Umthwalo amaqembu." Khona-ke umbolekisi inikeza ngokwayo nge unesiqinisekiso sokubuyiselwa imali. Ngakho, kufanele uchaze ngokuningiliziwe okulindele umboleki uma kuphula umthetho we nezibopho. Iphinde kufanele inikezwe kanye nezinhlawulo ngalunye usuku ukubambezeleka yokukhokha.

Eqinisweni, yomuntu obolekisayo, kunezindlela eziningi ungazivikela. Umthwalo ingase ihlanganise nemithelela zezimali ngoba kwakungenzeka ukuba okweletayo, izinhlawulo kanye nokunye.

Kulesi sihloko sinikeza wena isampula ukuthi kubukeka kanjani loan inkontileka-free phakathi izinhlangano ezingokomthetho. Ifomu iqukethe izinto ezivamile adingekayo lolu hlobo lwedokhumenti.

inkontileka esisemthethweni

Lapho inkontileka kucatshangwa ukuthi amaqembu ukuthembana. Kumele abhalwe ukuthi akusiyo isevisi bemvelo zezimali futhi akusho kuhilelani inzuzo. Uma loku kungentiwa, bese umbolekisi kuyodingeka bakhokhe intela, ngoba ukuba khona isithakazelo idokhumenti enikeziwe ngokwakhona.

I Civil Code imalimboleko kuchazwe eSahlukweni 42, "loan futhi credit". Ngokusho kwakhe, isihloko nesithakazelo imigomo yenkontileka. Nokho, ukuze kubhekwe loan ngaphandle kwenzalo, kufanele kube ilungelo ukhombe lokhu. Kungenjalo, kwakusho ukuthi inkontileka kuhilela ukukhokhelwa zazo izobalwa ngesilinganiso refinancing.

Sibheka eceleni imithetho yentela ngokuqondene nalokhu kuphikisana.

Tax on inzuzo

Ngokuphathelene intela edonswa eholweni, ngokuvumelana Ikhodi, kunenkolelo yokuthi isihloko uba umphakathi ozifunela inzuzo ukuthi lithole inhlangano - abakhokhi bentela. Ngaphansi libhekisela kulabo izimali ukuthi kunciphise inani elisele nezindleko. Income kungaba kusuka ukuthengiswa kwezimpahla namasevisi, amalungelo endawo, noma ze-non-yokusebenza imvelo. Lokhu akufanele acabangele engenile ngaphansi kwezivumelwano loan kanye loan, noma ukubuyiswa kwemali idatha sokubolekwayo.

Ngesikhathi esifanayo ikhodi yentela ngaphansi engenayo futhi uqaphele izinzuzo zomnotho, obonakaliswe ngukheshi noma nganoma yiyiphi, okuyinto ucabangela lapho kunokwenzeka bese kunqunywa isahluko esithi intela siqu imali yentela inzuzo yezinkampani. Kodwa lapho kuba loan inkontileka-free phakathi izinhlangano ezingokomthetho, intela - lokho kufanele kube - it is hhayi kusungulwa ngoba akukho oda kokuzimisela kanye nokuhlola nzuzo yezinto ezibonakalayo.

Ngokwe-Ministry of Finance, umboleki ayinayo intela nemiphumela ngenxa ukuboleka imali ngaphandle kwenzalo. Arbitration umkhuba kufakazela yena, ukuthi inhlangano, esinikela loan entshisakalweni mahhala, futhi ayiveli imali encane yentela.

VAT

Esikhathini Tax Code ngokucacile yilezi imisebenzi ukuthi angaphansi lolu hlobo intela. Phakathi kwabo:

  • ukudayiswa kwezimpahla namasevisi (kanye nemisebenzi);
  • ukudluliselwa zabo izidingo zabo siqu (izindleko hhayi ezikhokhiswayo);
  • ukwakhiwa kanye ukufakwa usebenza izidingo zabo;
  • ukungeniswa izimpahla ku amasiko Russian.

Ngaphezu kwalokho, lesi sihloko sinikeza futhi lapho isungulwe imisebenzi ukuthi awekho ngaphansi le ntela. Uhlu lufaka loan entshisakalweni khulula, eyakhishwa ngesimo imali. It kuvela ukuthi lokhu kuthengiselana lungekho VAT.

Ochwepheshe Tax

Kunengqondo, cishe yonke ohlangothini izinhlangano. Nokho, ehhovisi lentela loan ngaphandle kwenzalo, namanje liphakamisa imibuzo.

UMnyango Kwehlukanisa ukubolekisa besithathu futhi bancike komunye nomunye. Kwesinye isenzakalo, kuphakama izingozi kuthabathela ecaleni, enika loan, ngenxa yokuthi ukuthi izindleko inzalo nesivumelwano sokubolekwa, lapho imali kuhloswe ukunikeza loan ababhekwa. Kwesinye - ingozi umbolekisi futhi ngenxa ukuvela non-yokusebenza imali.

Iziphathimandla zentela basekela isimo sabo sengqondo ukuze imali engenanzalo, ngokusekelwe ngenani izinhlamvu Ministry of Finance, owawuthi kuthengiselana osebenza ku kuyinsakavukela we Tax Code, esigabeni 1, Article 105,3. Lithi enzuzweni zinqunywa esekelwe amaphesenti owawuzoba etholwe uma isivumelwano sisuke esiphakathi amasevisi esithathu nabanikezeli hhayi ancikene.

Ngesikhathi esifanayo, le oyisazi ngaleliphuzu kuyadida ngombono walo ngalolu daba. Ngokuvamile yavuna abakweletwayo. Kodwa ngisho noma inkantolo ngeke ngezinye izikhathi uvumelana iziphathimandla zentela ngesidingo sokubala imali ngokupha isandla loan, luhlala indlela okungacaci sibalo.

isiphetho

Kungenzeka yini ukukhulula loan phakathi izinhlangano ezingokomthetho? Yebo, libalulekile. ukuthi umuntu ayemkweleta ushwele ukukhokha izintela? Mhlawumbe. Kodwa lokho akunakuphikwa Kuyaphawuleka ukuthi kumele ukuthengiselana okunjalo kwenziwe ngaphansi kokuqondisa ochwepheshe, ukuze ugweme amaphutha ecasulayo, okuholela isidingo ukukhokhela imali ebonakalayo.

Ukuze lokhu kumele yahlelwa inkontileka ngaphansi elikhiphe loan entshisakalweni khulula phakathi izinhlangano ezingokomthetho, accounting ezithunyelwe kulesi simo kumelwe futhi babe nekhono futhi professional.

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