Byasa nkaho kugura amazu mubibazo bishya byubaka bidakwiye. Reba amateka yinzu ntabwo ari ngombwa - yubatswe gusa; Ntabwo ari ngombwa kumenya neza ko nta bakodesha bisigaye muri yo, bidahagarikwa kwiyandikisha. Ariko ntabwo byari bihari!
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Niba uwateje imbere atasohoje inshingano zayo, umuguzi w'inyubako mu nyubako nshya ifite uburenganzira bwo kwishyura. Birumvikana ko byanze bikunze, ko amasezerano yo kwitabira uburinganire mu kubaka (DDU) yakusanyijwe neza.
Urahagarika amasezerano?
Ijambo ryo kwimura umutungo umutungo utimukanwa ni ikintu cyangirika ku masezerano yo kugira uruhare mu kubaka, ku buryo bw'amategeko. Niba ijambo ridasobanuwe, amasezerano ntizandikwa mu gitabo cya Leta. Niba uwatezimbere kubwimpamvu runaka idashobora kurangiza kubaka inzu no kuyikora muri kiriya gihe, imaze gushyirwaho muri icyo gihe, imaze gushyirwaho muri icyo gihe, ishyirwaho mu masezerano, iteganijwe kohereza abitabiriye amakuru hamwe n'icyifuzo cyo guhindura ingingo z'amasezerano.Ukurikije ibisabwa ningingo ya 6 y amategeko No 214-FZ "mugihe cyo kubara kubaka inyubako zamazu hamwe nibindi bintu bitaramukanwa mbere yigihe cyagenwe. . Mugihe umugabane wemera gutegereza gato, uwateje imbere arimo gutegura amasezerano yinyongera kumihindagurikire mugihe cyubwubatsi nigihe cyo kwimura inzu.
Nyamuneka Icyitonderwa: Amasezerano yinyongera ku masezerano yitabira agomba kwitabira kwiyandikisha muri leta mubuyobozi bwa rosreestra
Umuguzi afite verisiyo yibikorwa bitandukanye - ntashobora gutegereza ko kubaka no guhagarika DTD kimwe. Kubwibyo, birahagije kohereza uwatezimbere hamwe no kumenyesha inyandiko yanditse na posita. Kurangiza amasezerano cyangwa wemera gutegereza - gukemura abanyamigabane gusa. Mbere ya byose, birakenewe gusesengura impamvu zatumye umushinga utabonye umwanya wo kuzuza igice cyayo cyamasezerano yagenwe. Niba impamvu zishobora kuvaho (urugero, rwiyemezamirimo wahungabanyije igihe cyo gutanga ibikoresho), kandi ijambo ryo kwagura kubaka ntabwo rinini cyane, birashoboka gutegereza kubaka. Niba impamvu yo guhindura abayitezimbere cyangwa, kurugero, mugihe hatabaho impuhwe, cyangwa igihe ntarengwa cyo kurangiza kubaka umwaka cyangwa irenga, cyangwa igihe ntarengwa cyo kurangiza gushyigikirwa neza amasezerano.
Kugirango utakibeshye uhisemo, nibyiza kwizera abanyamwuga no kubona inama zumunyamategeko wihariye mubwubatsi basangiwe.
Ibirego ku iterambere
Niba uwateje imbere atatangaye gutinda kurangiza kubaka (cyangwa niba igihe ntarengwa cyagenwe mumasezerano yinyongera arangiye, kandi inzu itarahabwa), birakenewe kohereza ibyanditswe kubateza imbere, gusaba Kugira ngo usohoze inshingano, gutanga urufunguzo rwo gutanga inzu no kwishyura igihano cyo gutinda.Igihe ntarengwa kigomba gusubiza umugabane, ni iminsi icumi (bigomba kugenwa mu kiganiro cyanditse). Ikirego cyoherejwe ninyuguti yanditswe hamwe ninyemezabwitongo. Umugabane kandi urashobora kandi gutanga ikirego kugutezimbere cyangwa uhagarariye kugiti cye. Muri uru rubanza, gutegura ingero ebyiri z'inyandiko. Umuntu azaguma ku mutezimbere, uwa kabiri, hamwe na kashe no gusinya ibirori byemewe, wifata. Bizaba ingirakamaro uramutse ugiye mu rukiko. Niba uwateje imbere atashubije ku kirego (ntabwo yasabye ko asinya amasezerano yinyongera, ntabwo yasobanuye icyateye gutinda), nyamuneka hamagara urukiko.
Ikirego gishobora gukurwaho wigenga cyangwa gusaba inama mu by'amategeko. Urashobora gutanga ikirego aha hantu hahubateri cyangwa aho utuye. Menya ko udasaba kwishyura ibihano gusa, ahubwo nanone byishyura ibyangiritse (ariko, ingano yacyo izashimangira inyandiko), kimwe n'ihazabu yo kutubahiriza ibisabwa kubushake muburyo budashaka.
Inyandiko zikurikira zigomba kuba zifatanije nizeze:
- amasezerano yo kwitabira kubaka gusa;
- Amasezerano yinyongera kumasezerano (niba aboneka), niba bagenera igihe cyo kwihererekanya ibyakozwe nuwitabira kubaka uburinganire;
- Inyandiko zemeza kwishyurwa kuruhande rwawe;
- Izindi nyandiko zemeza ikiguzi cyinyongera (gukodesha amazu cyangwa kwishyura inshuro nyinshi inguzanyo);
- Ikirego cyawe kugutezimbere ufite icyifuzo cyo kuzuza kubushake ibisabwa kugirango uhanire ibihano;
- Igisubizo kubisabwa (niba byari birumvikana).
Birashoboka gutsinda ikibazo cyo gutinda igihe ntarengwa ni kinini cyane. Gusa ikintu cyihanga cyitondera kandi icyo isesengura ry'ubucamanza ryerekana, ubunini bw'igihano cyatangajwe mu rubanza rushobora kugabanuka cyane.
Indishyi zo gutegereza
Kuri buri munsi wo gutinda, indishyi zirashingiye. Niba umuringizo ushaka guhagarika amasezerano, uwatezimbere nyuma yo kwakira integuza ikwiye mugihe cyiminsi icumi yakazi itegekwa gutaha amafaranga yishyuwe munzu no kwishyura igihano cyo gukoresha amafaranga yabandi. Ingano ya penariti igenwa no kubara igipimo cya 1/150 cyo gutera inkunga, gukora mugihe cyo kugaruka kumafaranga.
Kuva kuva 2016, ingano yikigero gitera inkunga ingana nigipimo cyingenzi, ingano yacyo igomba kugaragazwa ukundi
Kurugero, ku ya 06/18/2017, hari 9.25%. Amafaranga akurwa kumunsi iyo umugabane watanze amafaranga (igice cyabo cya mbere) munsi yamasezerano, kugeza kumunsi bagarutse. Reka dusuzume. Inzu yatwaye amafaranga miliyoni 8.5., Yatangiwe iminsi 96, ubunini bwikigereranyo cyo gutera inkunga ni 9.25%. Umubare w'indishyi muri uru rubanza uzaba: (Igiciro cy'inzu / 100 × igipimo cy'ibipimo / 150) × 150 × 9.25 × 96) × 96) × 96) × 96 199.00 руб. Niba uwateje imbere yanze kwishyura igihano ku bushake, hakurikijwe amategeko ya federasiyo "ku kurengera abaguzi", urukiko rushobora kubuza ihazabu ya 50% by'igihano kiva mu bajijwe.Byongeye kandi, abanyamigabane bafite uburenganzira bwo kugarura indishyi zo guteza ibyangiritse ku mico biterwa na, kurugero, gutegereza igihe kirekire. Amafaranga ugena nk'indishyi z'akabi zigomba kwemeza inyandiko. Kugira ngo ukore ibi, birakenewe gukusanya ibimenyetso byose byimpapuro byerekana ko utwara ibiciro byinyongera kubera ukurenga ku gihe ntarengwa. Dutanga ingero. Niba ufashe amazu, igihe cyose ntushobora kwimukira munzu yawe, ukoresha amafaranga yinyongera. Urashobora kwemeza amafaranga yawe atanga kopi yamasezerano yubukode kubibanza byo gukodesha hamwe nuwahantu, uhamya ko uhindura amafaranga nyir'inzu (cyangwa, kurugero, bizakoreshwa na hoteri cyangwa icumbi).
Udafite amasezerano
Hamwe no kwemeza amategeko ya federasiyo "ku ruhare mu kubaka inyubako y'inzu n'ibindi bintu bitimukanwa" No 214 - Pontact Ibihe Byabaye Abanyamigabane n'uwashinzwe umutekano babaye bato cyane. Nubwo bimeze bityo, rimwe na rimwe amasezerano yo kwitabira uburinganire mubwubatsi (DDU) ntashobora kurinda byimazeyo umuguzi.
Ku rundi ruhande, indishyi zirenga igihe cy'ubwubatsi urashobora kuboneka mu gihe inzu yaguzwe atari mu masezerano yo kwitabira buringaniye. Bizarushaho kugorana (akenshi mumasezerano yo gushora imari cyangwa amasezerano yo kugurisha abanza adafite igihe ntarengwa cyo kubaka no kohereza amazu).
Niba ijambo mumasezerano ryerekanwe, noneho urashobora kubireba mu rukiko neza. Mu gihe cy'iburanisha, icyemezo ku ndishyi kigomba gukorwa, kandi, gikurikiza ibivugwa mu buhanzi. 332 Kode y'igihugu cy'Uburusiya, nubwo amasezerano atanditse ku nshingano z'umugurisha ku bw'indishyi z'indishyi z'indishyi, umuguzi ashobora gusaba kwishyura igihano. Ingano yacyo izagenwa n amategeko yubuhanzi. 395 Kode ya Leta y'Uburusiya, ni ukuvuga ko hashingiwe ku kigero cy'ibaruramari cya Banki Nkuru ya Federasiyo y'Uburusiya ku munsi wo gusohoza inshingano. Biragoye niba igihe kitarasobanurwa namasezerano. Ariko, hanyuma umuguzi ntagomba gucika intege - kugirango yemeze amagambo ye ko igihe ntarengwa cyahungabanijwe, urashobora gukora ibimenyetso byiza. Ikintu cyonyine muriki kibazo ntigishobora gukora nta nkunga itemewe.
Kora imyaka-ikwirakwiza
Inzu imaze gushinga, uwabatezimbere agomba kohereza ubutumwa kubanyamigabane, bivuga kwitegura ikintu nubutumire bwo kwakira amazu murutonde. Niba uwayitezi ashishikajwe nuko abanyamigabane bazakira metero kare, ntibigarukira kubutumwa bwa posita, kandi bahamagare abanyamigabane cyangwa (na) kuboherereza ubutumwa bwa imeri. Cyangwa urashobora guhora ugenzura urupapuro rwumushinga mumiyoboro rusange hamwe nurubuga kuri interineti, noneho uzagira amakuru agezweho.
Umaze kubona ubutumire, ugomba kuvugana nugutezimbere no gusobanura uburyo. Mubisanzwe amazu yatanzwe muburyo bwa queue rusange (niba atagabanijwe mbere). Kugirango wakire inyandiko kandi ugenzure inzu, kuba abanyamigabane bose bahamagaye mumasezerano ni ngombwa. Niba umuntu wo mu bashoramari bawe adashobora kuza (urugero, waguze inzu hamwe nuwo twashakanye, mugihe cyurugendo rushya, yari mu rugendo rw'ubucuruzi kuri uw'abanyamigabane bazahabwa inzu. Niba ukeneye ubufasha bwinzobere - kurugero, itsinda ryitsinda ryo gusana no kubaka, izarangiza amazu yawe, nayo irashobora gutumirwa no kugenzura. Nyamuneka menya: akenshi uwabatezimbere iburyo mu nama yerekana ko ako kanya shyira umukonoho igikorwa cyo kwemerwa no kwanduza, hanyuma nyuma yaho. Icyifuzo ntigikwiye, ukundi, niba hari ibitagenda neza, ugomba kubikuraho kubwawe.
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Turashaka amakosa
Tugomba kuvugwa ko umushinga w'itegeko agomba kumenya neza ko yiteguye ko atazabona inkuta cyangwa igitsina cyiza. Ku rundi ruhande, wemera ibike byose nabyo ntibikwiye. Mu nyandiko y'Itegeko, nta byiciro bigaragara mu makosa, bikunze kugabanywa mu buryo bukomeye kandi budafite agaciro.Hariho abantu bose bidashoboka kubaho munzu. Kurugero, aba ni nko nko: imyanda idakora, umwobo mu rukuta n'amadirishya, nta miryango yinjira, nta miryango ifunze ku madirishya. Nubwo haba hari umubare munini wa umwe, ntushobora gusinya igikorwa cyo kwemerwa no kwanduza.
Birashobora kwitwa inenge zidakubangamira kuba mu nzu: minit na buke muri plaster, ibishushanyo mbonera. Hagomba kuba ibintu byiza bifite akamaro, kandi bidafite akamaro bigomba gukorwa kumagambo adafite inenge, yometse kubikorwa byo kwemerwa no kwanduza, byerekana ibyo bizwi. Ariko, ntabwo ari ngombwa kwihutisha no gusinya igikorwa, kubera ko uwayitezi agomba gushyiraho itariki yashyizeho indero zingenzi zizavaho. Gusa nyuma yo kurandurwa, abanyamigabane barashobora kugira umutekano kumufuka we gusinya igikorwa cyo kwakira.
Niba uwateje imbere yemera ko ubudakemu bwagaragaye mu nzu nta gaciro afite, agomba kubigaragaza akoresheje ubuhanga bwigenga. Nyamuneka Icyitonderwa: Nubwo wasangaga ibitagenda neza nyuma yo gusinya igikorwa cyo kwemerwa, urashobora kwerekeza ku mutezimbere kugirango ubakureho. Amategeko ya Leta No 214-FZ aratanga ko igihe cya garanti kiyiwe ni imyaka 5, ku bikoresho by'ubuvugizi (imiyoboro, gushyushya kandi havutse sisitemu) - imyaka 3.
Kenshi na kenshi, abashinzwe iterambere ntabwo bemera kwishyura indishyi zumugabane mugukuraho amakosa, kandi bagasaba kubikosora hamwe nimbaraga za rwiyemezamirimo. Niba aricyo kibazo cyawe, witegure gutegereza. Amategeko ategeka abayitezimbere kugirango akureho amakosa "mu gihe gikwiye," ariko ijambo ubwaryo ntirishyiraho. Mubisanzwe kurangiza kumara kugeza ukwezi. Niba umaze gufata urufunguzo, uwatezimbere agomba kubyemera mugihe itsinda ryubwubatsi no gusana bizakorera munzu yawe.
Fata cyangwa ntukemere?
Umaze kubona ubutumire bwabatezimbere gufata inzu, ukeneye:
- Kusanya abanyamigabane byose byerekanwe mumasezerano yawe;
- Shaka imbaraga za avoka kubadashobora kugira uruhare mu kwakira amazu;
- Tegura pasiporo, imbaraga zo gutondekanya (niba zihari) n'amasezerano yuburinganire mukubaka;
- Suzuma neza inzu, utihutire kandi ntugasinyire igikorwa cyabatekinisiye kugeza igihe ubugenzuzi burangiye;
- Niba ibitagenda neza bigaragarira, bashimangira ko banditse, ariko igikorwa cyo kwakira ntigisinya.
Iterambere iteganijwe gukuraho amakosa mu nzu y'igihe runaka cyangwa kwerekana amahirwe yo kugura amafaranga ku muguzi w'igiciro cyo gukosorwa kwabo. Amategeko ya reta Abanyamigabane, kugirango bagere kubwumvikane nabo, kuko bifuza kugenda vuba mumazu ye bwite.
Metero yinyongera kandi yabuze
Iyo iyubakwa irangiye, irashobora kuvumburwa ko agace k'igorofa waguze bitandukanye n'umushinga. Mu mategeko, kumenyekanisha ikintu mu bikorwa, uwabatezimbere ategekwa gutumiza igipimo cy'inzu zose z'inyubako iva muri Biro ishinzwe ibihangano (BTI). Nyuma yuburyo, ubunini bwa nyuma bwa buri gice tubimenya. Niba amazu yagaragaye cyane, uwatezimbere azakenera ibirego byinyongera; Niba agace kari gake - bizaba ngombwa kugirango twishyure abanyamigabane itandukaniro.
Niba umushinga wo gutandukana nukuri wagaragaye, umugabane ugomba gutanga ibyifuzo (muri kopi ebyiri) yishyurwa kubashinzwe kuba indamubano, aho kugirango ushyireho amakuru yose kandi usabe kwisubiraho (byerekana amakuru ya banki). Urugero rwumugabane rugomba kubungabungwa byibuze kugeza igihe ibyemezo byanyuma kubiciro byimiturire bizemerwa. Bamwe mu baterankunga barimo mu kintu cya DDA ukurikije aho kwitandukanya kw'umushinga kuva muri 1-2% bifatwa nk'ibisabwa, bityo rero byongeye kwisubiraho ntibisaba. Nyamuneka Icyitonderwa: Niba uwateje imbere adafite agaciro kanini gashoboka ko kunyuranya numushinga numwanya nyabyo, umuguzi ntazashobora gusaba amafaranga kubaramuzi kuri metero kare.
Niba uwayitezi yibajije igisubizo cyo gusubiza amafaranga yishyuwe cyangwa yanze kwibutsa hamwe nimpinduka yikibanza, umugabane ufite uburenganzira bwo kugarura amafaranga menshi anyura mu rukiko. Kugira ngo ukore ibi, birakenewe gutanga ikirego cyo kurengera uburenganzira bw'umuguzi, ugereranije, avuga ibirego ku kugaruza igihano cyo gutinda gutanga n'intungane.
