Financial rubatsiro vashandi: hurongwa muripo, chizvidavirire uye mitero. How kuronga mari kubatsira mushandi?

Financial rubatsiro kune mushandi anogona ipiwe kubudikidza basa muchimiro mari kana chinobatika chimiro. Dzimwe zviri asunungurwa sapakutanga vashandi uye vanhu vasiri vashandi vachida.

The tsananguro

No chinhu akadai "zvemari rubatsiro mukuru" harina chinhu zvemitemo chiito. Tsanangudzo iri rinogona kuwanikwa duramazwi zvoupfumi. Ndiye akatsanangura kuti mari rubatsiro mukuru - haasi chinhu asi mari muripo kana kuchinjwa upfumi muchimiro chaicho vashandi dzaishayiwa.

Chikonzero mubhadharo

Kuripwa mumagariro rubatsiro yakanangana vashandi hakusi mutoro. Vanoumba chikamu muhoro raanotaura chikamu Art chokutanga. 129 of Civil Code. Financial kubatsira mushandi ari mazita asipo. Harina pakumanikidzwa muripo wayo uye nezvimwe zvemitemo mabasa.

Kazhinji, nzira uye mamiriro ezvinhu chakagadzirirwa chero emari vashandi rubatsiro sangano rimwe, nokuda kwayo womunharaunda chiito. Vanogona kuva munhu seboka kubvumirana , uye zvichingodaro. D. Kubhadhara rubatsiro rwemari rinowanzoshandiswa akafukidza ari chibvumirano, iro akasaina semushandi uye mushandirwi. Gwaro yakadaro chibvumirano basa. Inopa inopikira kuti mushandi, vachibvumira kuti kudzivisa Kushatiswa mamiriro ezvinhu tichienzanisa dzemunharaunda zviri basa mutemo. Ndokusaka mari rubatsiro zvomushandi chingarangarirwa sechinoitika kweimwe ezvinhu chibvumirano. Panguva iyoyo rakagadzirirwa kuvandudza munzanga yacho munhu.

Hapana mhosva anofanira kupikisa

Financial kubatsira mushandi iri chiitiko kuti inoda mari maererano zvichangobva kuitika, izvo zvinofanira kuva kwechokwadi urongwa magwaro. Tinogona kutaura pamusoro muchato uye kuberekwa kwomwana, rufu nhengo yemhuri uye nechimbichimbi (kuba, moto, uye zvichingodaro. N.). Inogona inopiwa zvadzinoshayiwa pazororo, Gore Idzva, kana mumwe musi. Mazita ose zviitiko inofanira ngadzirambe dziri normative mabasa yomunharaunda sangano, kana kuti seboka basa kondirakiti.

Chikonzero zvikunde

Financial rubatsiro akataura vachibhadhara vasiri zvibereko hunhu. Panyaya iyi, ndiko kunobva purofiti sangano. Sezvo pasina magwaro zvemitemo zvinopa zvadzinoshayiwa haina inopiwa muripo wayo unoitwa chete panguva kungwara of mushandirwi.

The hwaro urongwa mari kana chaiyo mutsigiri angakubatsire ndiyo mitemo yakasiyana. Somuenzaniso, mushandi anogona kunyorwa chikumbiro vabatsirwe nemari. Kuri kuti, vachitevera kuongorora musoro rinopa mhinduro yakanaka, Unorudzi iri rakapa. Gwaro iri rinoti zvinotevera:

• Munongedzo murau, izvo anenge mukana wokupa rubatsiro rwemari;
• zita Full munhu muripo kunopiwa uyo;
• chikonzero mutongo pamusoro urongwa kubatsirwa;
• kukura kubhadhara;
• accrual kumwedzi.

Pangava zviitiko apo dzemo normative mabasa nzira uye achishandisa muripo vachava vashandi vasina dzatangwa. Pasinei neizvi, vatsigirane vashandi vasiri wairambidza. Sezvo vachanzi kugadziriswa nyaya iyi zvachose, izvozvo zvinoenderana maonero Kumutungamiriri.

rubatsiro rwemari anogona kupiwa kune mushandi uye webasa danho. Kazhinji, mubhadharo ichi pamusoro chero kupemberera kana mushandi gore. Sezvo muzvirevo nyaya hwaro kuti wedzera kubatsira nemari pachava yakaronga chasainwa musoro vachida.

kubhadhara mari

Ukuru rubatsiro rwemari izvo mushandirwi inopa vashandi vayo, uyewo waiti ari mutemo ano. rakawandisa Vose yakanyorwa normative mabasa vemo sangano uye anogona kuiswa musoro wekambani iri Mhedziso mashoko kana multiples anokosha muhoro. mari nokuti vashandi vari zvakananga novimba munhu ezvinhu, uyewo nezvaanogona imwe kambani.

Forms mari

Financial rubatsiro kuti mushandi kunogona vanobhadharwa zvakasiyana zviitiko. Panyaya iyi, chikonzero chisarudzo kutsigira nemari aigona kuva zvinotevera:

• ezvinhu akaoma wezvemari mushandi.
• Njodzi kana kuti njodzi dzinongoitika dzoga. Panyaya iyi, mushandi, uyo akanyorera musoro chikumbiro kupa kwaari rubatsiro rwemari vanofanira kuzviisa pasi gwaro kubva kumapurisa kana zvimwe zviremera, izvi zvichipupurira uwandu kukuvara.
• Kuvapo ezvinhu emhuri. Vashandi uchitsvaka kubva chirimwa zvinhu kubhadhara vaya chikonzero vanofanira pasi chizvidavirire dhipatimendi zvebhizimisi anotsigira magwaro. Izvi zvinogona kuva muchato kana kuzvarwa kwemwana nemamwe magwaro.
• Serious chirwere ari mushandi kana mhuri yake. chirwere ichi zvinosanganisira kurasikirwa kushanda inokwana mwedzi anopfuura maviri okutambirwa mushandi kana vakaremara. The hwaro kuripwa rubatsiro rwemari mhando iyi ichava batsira WCC waakaudzwa chimiro.
• Wazvakaitika.
• Kudiwa vapore. Izvi rubatsiro rwemari chingawanikwa mushandi ari muchimiro zvizere kana rushoma kuripwa mari achinditendera.
• Kudiwa kuvandudza Magariro. Kwakadaro zvemari rubatsiro mushandirwi angave ari kutenga dzimba, uyewo yaro kuvakwa kana pedutu. Panyaya iyi, mushandi anofanira kupiwa gwaro kunyoresa yeko Masangano Executive dzinoda kuvandudza mararamire uye kutambira kuripwa mari chakakonzerwa namaneja.

Mushandirwi anogona kupiwa rubatsiro rwemari kuti mushandi kana rufu. Chikonzero mubairo wayo ndirwo rufu yepedyo iri mushandi kana yake. Kutsigira zvinyorwa nokuti mari yakadaro vachaparadzwa yakabudisa kopi rufu gwaro, uyewo nevaya mapepa, izvo tiratidze kuripwa mabasa pamariro.

chizvidavirire

On kana chinyatsotsanangurwa rubatsiro rwemari omunharaunda pamutemo mabasa, uye akazvimirira chizvidavirire vakanyoresa. In Kana apo sangano anofunga kukurudzira mushandi zvemari chikamu remuneration yake basa, mari iyi zvinoratidzwa pamusoro chikwereti nhoroondo uye manomwe, izvo zvinosanganisira misha ine vashandi remuneration nokuda kwavo kuita pakuburitswa kwacho.

Kuri kuti accrual uye kuripwa rubatsiro zvakaitwa maererano mashoko akanyorwa mushandi, zvose zvinoratidzwa chikwereti nhoroondo uye makumi matatu, iyo anofunga Masvomhu yaakaita vashandi vamwe kushandiswa.

nemari zvinogona inopiwa kune vashandi ekare. Muchiitiko chino, kubhadhara zvose zvinofanira mumatauriro-wechitanhatu manomwe mamakisi kuti anofunga kushanda pamwe zvakasiyana chikwereti uye chikwereti.

Debit nhoroondo, izvo zvinofanira kusanganisira mari zvose abhadhara, uye rine mari. Zvinofanira kunge fanira yakaratidza kuti vabatsire. Kana tichishandisa mari yapfuura makore debited-wechina masere count, uye uchishandisa mari yakaderera nezvikamu debit mapfumbamwe chete, izvo zvakanyorwa dzimwe mari.

Kana rutsigiro mushandi chikamu chimwe muripo, kuti zveakaunzi vanofanira kuisa wiring? zvadzinoshayiwa iyi nyaya zvinoratidzwa 20, 26 kana 44 Sch. debited (RM 70).

Nekurangarira nemasangano bhajeti

Code kubatsirwa zvokunyama, iro inobhadharwa paruzhinji masangano kurwa bhiri - 211. chizvidavirire This nhungamiro waidzora RF Ministry of Finance kubva 10.12.2004, uwandu 114n. Murayiro kushandiswa bhajeti kupatsanura pfungwa kuti code, izvo zvinosanganisira zvadzinoshayiwa nevashandi ekare.

rakawandisa kwakadaro inofanira kubhadharwa tichiregeredza dzimwe mari kana mumagariro kuchengeteka. Zviri, maererano, Codes 290 uye 260. Asi zvingaita sezvakadaro, Urongwa chero rubatsiro rwemari chokwadi mumatauriro kuMudzidzisi pamutemo mabasa.

Paaiparidzira mari mutero

Nokudaro, mushandirwi akarayira maererano izvo rubatsiro rwemari inofanira kupiwa kuti mushandi. Mitero panguva kunoratidzwa nedzimwe nuances. Financial rubatsiro nechokuita kuziva basa hazvina basa. Ndokusaka asina inosanganisira mari avo chakakonzerwa namaneja sangano iri kugadzirwa mishonga kwayo. kubhadhara izvi anotaurwa Art. 270 (p. 23) RF TC. murau uyu hwakagadzwa kuti uwandu vabatsirwe haana kuiswawo pakati hwaro pakuverenga mari mutero.

Non-taxable rubatsiro rwemari

Kune mamwe marudzi mari vashandi, kubhadharwa kuti, hapana mutoro kubhadharisa inishuwarenzi premiums, uyewo kuchengeta munhu mari mutero, kana mushandirwi rwakapa chipfuro zvemari rubatsiro mukuru. Mitero iyi nyaya asingagoveri dzemaitirwe upi premiums kana munhu mari mutero. Izvi zvinoshanda chete-nguva mhosva chokuita zvakasiyana-siyana mamiriro yokukurumidzira, uyewo pamusoro kuitwa kana kuberekwa mwana, pachiitiko rufu yepedyo kana kuti mushandi. The mitemo inopa wandei mamwe makomborero chokuita mutero nyaya zvadzinoshayiwa.

zvakanangwa hunhu vachibhadhara

Kupa rubatsiro rwemari pachiitiko yenjodzi, rufu kana kubereka haritorwi mipiro inishuwarenzi uye munhu mari mutero. Zvisinei, izvi zvinobatsira zvinogona chete kushandiswa mune chiitiko kuti mushandi achaita mashoko anotsigira magwaro. Vanogona kuva rubatsiro kubva Emergency Zvinozivikanwa Ushumiri vakuru, uyewo makopi kuberekwa kana rufu, uye zvichingodaro. D. Kana zvakakodzera kuzosimbisa zvakanakira magwaro zvisipo, vatariri vanogona faindi mu uwandu makumi maviri muzana kundinyima mutero mari kuongororwa dzokuwedzera pachake mipiro nokuenzanisa zvirango.

Zvisingachinji kunanga rubatsiro kune avo zviitiko apo wakaitwa kugovera mu-mhando. Somuenzaniso, kambani iri yayo kuzvigadzirira kana kuronga mariro.

Zvakakurukurwa kushanda vasabatanidzwe

Mitero yacho vanotapukirwa zvinhu rubatsiro ine nuances ayo. Kana mari zvapiwa maererano mamiriro yokukurumidzira, chinofanira kuva anenge akuvara. Bvumidza mubhadharo kubatsirwa kwakadaro uye chero nhengo anoshandira mhuri, uyo akafa somugumisiro nedambudziko. Chinangwa chikuru kutsigira kuripa nokuda zvichiguma kukuvara pfuma kana munhu achimukuvadza. Saka kukura constraints nguva mitemo harinyatsotauri uwandu.

Kana rufu ane mushandi ari nhengo yemhuri yake? Rezvemari akati kuti vabereki, murume (mukadzi) uye vana.

Sangano zvadzinoshayiwa kuti mushandi pachiitiko rufu nhengo imwe mhuri yake vangabatsirwa. Izvi mhando mari uyewo inowira pasi pamazita zvakanakira uye haisi pasi pachavo mari mutero uye mipiro inishuwarenzi. vakabvumirwa Izvi zvinogona kushandiswa rusarura vashandi ekare sangano, avo pamudyandigere.

Kana kubhadhara vashandi mari kana vachipa pavo zvipo zvinokosha panguva pakaberekwa mwana anofanira kufungwa nhoroondo zvimwe nuances. Mipiro kwakadaro zvemari rubatsiro inishuwarenzi uye munhu mari mutero havazobvumirwi kuzviuru. Zvisinei, izvi zvinobatsira zvinogona chete ingashandiswa mugore rokutanga pashure mwana aberekwa. Uyezve, vakanga vasiri taxable kubhadhara kuti hurumende kuisa kukura muganhu. Its ukoshi pakuverengwa zviuru makumi mashanu rubles, iyo inogona kuwanikwa musi rusvava.

Mitero Mharidzo zvipo anogona kuitwa chete chiitiko kuti chokwadi ichi anopiwa mune seboka chibvumirano kana zvimwe omunharaunda normative chiito. Kana kunyoresa dhonesheni chibvumirano yechikoro vasiri dzaona.

non-zvakanangwa ruyamuro

Kuwedzera kune mhando izvi vachibhadhara, kunewo imwe mhando mari, iyo ndezvaiye muchikwata vasiri taxable. Izvi chinobatsira untargeted kuti inobhadharwa kuti mushandi chero zvavanoda. Zvisinei, zvinofanira kurangarirwa kuti asiri taxable yakawandisa akaenzana zviuru zvina rubles kwegore. Kana sangano akanga asarudza pamusoro kuripwa vabatsirwe muzvinhu ari kukura, chinofanira kutora chimiro chipo. Muchiitiko chino, mutero hazvizovi pasi chitsama zviuru zvisere rubles pagore. Muchiitiko chino, unofanira kusaina gwaro chipo.