Sei nzira yose kusauka chaiko kurwisa. munhu? How kutanga muitiro?

With ichi kunyanya kare nguva munyika yedu yakatanga uye inoramba ichishanda kusauka zvekufamba Nat. munhu. Ungangove, chiitiko hwakaitwa neHurumende uye enshrined kwemitemo miviri haisi netsaona, asi kuitira kudzivirira vamwe nemigumisiro yakaipa chii chingaita kuti insolvency vomuUmambo uyo Somuenzaniso, akatora mubhengi chikwereti uye kudzokera hahungangovi vamwe vavariro zvikonzero. Chii kusauka vanhu, murayiro nzira, zvinokonzerwa kushandisirwa - ichi zvose zvichaparadzwa kuongorora munyaya ino.

pamutemo chengetedzo

mugari kusauka hunodzorwa nomurayiro kwakafanana havazozvikwanisi ari repamutemo, uye zvakawanda zvakananga - Federal Mutemo № 127 "On Insolvency (Bankruptcy)". Zvisinei, ambotaurwa ichi gwaro pamutemo muna pamazita vanhu vangava pasi nzira iri mubvunzo, vagari havana kuwanikwa. Chete muna July 2015 vakapinda simba mutemo № 476-FL, maererano iro gwaro yepakutanga iri yoku- pamusoro dzose. Kunyanya, Akave nokuvandudza rugwaro chikamu, izvo anopa kusauka pakati Nat. vanhu. Hurongwa nzira, zvakaipira kushandisa mukana uyu kuti agumise chikwereti yakataurwa mutemo, uyewo dzimwe mirayiro.

Normative mabasa munzvimbo iyi anoenderana nevanhu vasina anopa mari uye, naizvozvo, upi, kunyange zvishoma mukana kugadzirisa pamwe chikwereti. In mitemo iyi yeUnited, kunze, ainzi kuti kugadzirisa mamiriro akatsanangura kuti kwayo, uye inodzorwa Implementation pamusoro chikwereti zvinhu kuvhara chikwereti nevanodzidza nezvenhamba.

Vhuṱanzi

Vaiona nzira inogona kuitwa bedzi pekuhwa- nda nezvakatongwa zviremera, uyo anofanira kunyatsoongorora kudzidza zvose zvinyorwa uchapupu insolvency. Somugumisiro kuongororwa uku dare anofanira kusarudza - kana kuzivikanwa munhu kana kusauka asingagoni. Pakutonga Zviremera anofanira kuona kana mugari kana munhu entrepreneur zvechokwadi sauka kana chikumbiro chavo kana mashoko mumwe munhu kuti kusauka anoruramiswa. Kana kushanda kwakadaro haanzi wakarurama, dzoruvazhe kuramba kwayo kugutsikana. Ukuwo, kana munhu ane zvikwereti, kusanganisira nonoka, uye kwakaitika kusawirirana ake, dare vanosungirwa kubvuma iye kusauka, uye zvakawanda zvakananga, chisarudzo mudare nzira Nat akapinda kusauka. munhu. In yechinangwa chiitiko ichi inogona restructured zvikwereti mugari.

zvimwe zvinhu

Zvinofanira kunzwisiswa kuti vakabata vanhu kusauka zvekufamba panguva zvinoreva kugadzwa chaiyo zvausingakwanisi pamusoro kodzero sauka mugari. Neyokupedzisira, munhu anogona kusiyanisa kurambidza chero kwema vane pfuma, kurambidza kuripwa mhando dzose chikwereti. Zvisinei, zvimwe zvinhu zvakadaro zviri wairambidza kwete chete pane zvizvarwa mu nedanho kusauka asi chikwereti. Saka, wokupedzisira akarambidza foreclose pamusoro enzvimbo kusauka, kunyange vari ambofanobata navo.

Pamusoro apa normative chiito akasimbisa sei muitiro kusauka evanhu, kusanganisira zvinodiwa yevanoda bidders. Somuenzaniso, rinorondedzerwa vanogona kunzi kusauka. Kuwedzera pamutemo vanhu, nzira iyi vangagara uye vanhu. Panyaya iyi, pasi vanhu vari kunzwisisa uye private Entrepreneurs uye varimi, uye vaya vakarega chekuita bhizimisi, asi vakasiya chikwereti zvimwe mhando.

Akapinda nechisimba muna July 2015 nokudzorwa mutemo uye zvimwe zvakagadzirwa. Saka, pasi muitiro wakadaro unogona chete kuva dzinongoitika munhu, uwandu chikwereti rinopfuura rubles namazana mashanu. Nguva yokuti vakadaro nonoka kuzvipira ane kunodiwa kusapfuudza 3 months. Mumwe nomumwe zvinhu, chii chinofanira kuteerera: ari mugari sezvo kuti zvinobvira fadza muitiro hakufaniri vakaedza, uye zvachose Verengai chikwereti chayo kuti mukuru kupfuura yose zvayo zvinhu. Mumakore mashanu akatevera pashure rakazara nzira nokuda Kuzivikanwa kusauka kurwisa panyama. chiso, kwakadaro mugari anobviswa kodzero kuzodzosera kushandisa mashoko akafanana kuna zvokutonga zviremera. Uye kana munhu akadaro akashandiswa kunzi mhosva nokuda kwenhema kana nemaune kusauka, application hakuiti kubvisa paari.

Sezvo uku kunoitika

kusauka zvekufamba Nat. Face Vavariro ane pamutemo nzvimbo yomuka pakati mugari uye mari sangano ukama. Muchiitiko chino, enda kusauka haisi chete muparamende inopa nzira dzakasiyana-siyana kuti pasave kuziva kusauka masangano, koi chokwadi havasi vaiona. Pakati pavo uye tarisa nokushaiwa kwemari, uye tarisa kuti kusavapo chinjwa uye usingazungunuke pfuma.

Sei kutanga kusauka nzira Nat. munhu - Zvimwe inokosha mubvunzo. Kazhinji, nzira pachayo kunotanga kupinda rehondo mutongo. Panguva iyo liquidator, kuti ndiye munhu kushanda pamusoro Implementation yacho kusauka zvekufamba, ukabata pfuma munhu. Muchiitiko chino, unofanira kuziva kuti seiko kurema kwakadaro haagoni kunzi vose pfuma yose kusauka, zvemitemo mabasa, pasi zvinhu uye iro kuvharirwa zvaangatarirwa. Pashure asungwa, uye uwandu wenhaka ari kusauka nokuda mvumo munhu anofanira kungoonekwa zvinhu.

Kuburikidza Matare munhu pamusoro ane kufara nzira iri mubvunzo, anogona kuita chikumbiro kuna seiko kurema akabviswa pfuma yake pahwaro kuti kubhadhara chikwereti, kana makagadzirira, somuenzaniso, kuti kugumisa sungano chikwereti pose. Uyezve, chikwereti anogona pasi dare uye kuti chikwereti inopikira uye warranties romumwe munhu, zvemitemo kana chaiko. Uyewo, kana yakadaro mukweretesi rekuva chiito, dare anogona kumbomira pakutanga kusauka kwacho kuti mwedzi mumwe. Panguva ino, defaulter achakwanisa kusvika yokugara chibvumirano yaro chikwereti. Saka, kuziva zvakaitika nzira yose kusauka mumuviri munhu, achiziva zvose zvinoumba uye mashoko iyi, unogona kusarudza zvakanaka nezvechisarudzo kugadzirisa dambudziko iri.

Kuri kuti munhu wechisikigo munhu pamusoro pake akatanga gadziriro kuziva ake kusauka, dare harina vakaratidza kuti unogona kana ane chinangwa kubhadhara chikwereti, mutongi anofanira ape mutongo, iyo inotanga kusauka zvekufamba. Mukuita, kugadzirwa zvose kutaura pamusoro chikwereti, muunganidzwa writs ose vaurayiwe, accrual ose fines uye Zvirango mira. Zvinodiwa, kuwanikwa chikwereti vasina nguva kutaura izvi pamusoro pavo kuburikidza kumatare uye kuunganidza zvikwereti mudare, pashure kutanga nzira vari kuzviisa pasi kusauka maneja anoziva kufamba kusauka Nat. munhu. Ndiye achasarudza pamusoro ukoshi kana invalidity ari munhu anoti chinhu ndechake. Chero zvazvingava, kudzorwa mhinduro anogona kumisa mudare.

Mharuro zvekufamba

Saka, pashure zvose, kutanga kusauka zvekufamba Nat. munhu? Chokutanga, zvinofanira kujekeswa kuti nzira inogona kupa kwete chete nokuda chikwereti ari mugari, asi zvakananga naye, uyewo nomazvo vakuru, ramakagadzwa chingava yemutero uye Municipality, uye vamwe. Sezvingatarisirwa, asati chokuendesa chikumbiro kuna nezvakatongwa simba kune mutengesi anofanira kuunganidza zvose zvinobvira kutsigira zvinyorwa izvo, pakutanga, kuti tive nechokwadi Kuwanikwa chikwereti uye akawedzera default kwayo, uye, chepiri kuratidza mugari kusawirirana, ndiko, kuti pfuma yayo uye mari shoma kufukidza zvachose zvose zvaaitaura. Chete pashure kuunganidza zvose magwaro aya vanofanira kunyora mashoko uye kuitora kudare, zvakapoteredza makopi ose.

Muzviitiko apo wacho ari mugari wenyika chikwereti kana sangano mvumo nokushandisa kwavo zvinoda kwete chete ichangobva kutaurwa zvinyorwa, asi uyewo akanyorwa uchapupu kuti vari yakanyorerwa chikwereti, vachirayira mutsividzo, chaiyo kumwedzi nguva iyo zvinofanira kuripa.

Havana kodzero atange nzira pakati kusauka nezvomunhu uyo nyasha kuzovazve gupuro kubhadhara, kubhadhara kukuvadza utano, uyewo dzimwe mari kuti vane ukama unhu hwavo zvakananga.

Kuitwa kusauka maitirwe ezvinhu Nat. vanhu nokudzorwa mitemo, uye rinotanga hurukuro kushanda kuti kusauka imwe mugari, munhu entrepreneur kana munhu. Chokwadi, kushanda anofanira uchitanga zvakatangwa mitemo, inofanira kusangana zvose zvinodiwa kuti akanyorwa kusauka mutemo, uyewo kwevagari nzira mutemo. Ari pasi magwaro anotevera mashoko zvinofanira kuratidzwa:

• Cherechedza dare simba uko application yakwidzwa.
• Personal Data ari mugari, riparidzwe izvo kusauka.
• requisites of chikwereti kana sangano mvumo (kana kushanda asina zvokudya mugari).
• Huwandu chikwereti, zvichiratidza ya ivepo.
• The mazita zvinhu dzaidzidziswa mugari chikwereti pfuma.
• The chikonzero, maererano iyo wacho anofunga mugari sauka.
• Chimwe chinokosha, maererano chikamu zvokutonga zvekufamba.

Data zvose izvi zviri raanotaura zvakananga kushanda. Zvisinei, kuti chikumbiro pachayo vanofanira batanidza kutsigira zvinyorwa zvinodiwa. Ivo:

• Documents vakachisimbisa kuti kusavapo mari kana ake pamberi.
• Batsirai kuti mugari haashande kana gwaro basa.
• Information pamusoro Kuronga mhuri.
• Uchapupu dzokugara.
• Documents inoratidza vajairira unodiwa.
• mubayiro vimbiso kuzvidzora, akaurayiwa kunyora.
• Notices uye zvikumbiro chikwereti, masangano kuno wakatora chikwereti mvumo.
• The Kukoshesa Mushumo (kana dare kuzora akakweretesa).
• Gwaro chinosimbisa muripo wehurumende basa.

Sale kuti midziyo

ari Nat kusauka zvekufamba vachatitaka sei. vanhu, Chokwadi, kunoenderana maneja, ruzivo rwake uye nounyanzvi, uyewo zvimwe zvinhu. Danho zvikuru nzira iyi kuonekwa Kuzadziswa chikwereti yakasimba. Kubva munzira iyo ichaitwa, kubva kutengeswa enzvimbo zvabuda achavaponesa ukuru pakunamata zvikwerete zvikwereti zvose. Naizvozvo, mubereko mukuru ndiko kutengesa zvimwe zvivako zvinodhura, ndivo chikwereti. Sezvambotaurwa, vose zvinhu riwanikwe mugari, nekuda iyo kusauka muitiro kuzvidzora zvakaverengwa uye vanobatanidzwa zvachose kusauka wemunda. Pashure Kukoshesa racho rinoitwa Implementation ane zvakakwana akazarurwa uye segirazi zvaidiwa. Pana Auktionen izvi, munhu anogona kutenga pfuma vari kutengeswa. Ndakatengesa waakazvitengesa yakadaro inofanira vakagovera pakati chikwereti ari kusauka matirastii, asi kuremekedza nheyo kukosha. Kana vari anoparadzirwa zvakaenzanirana kushaya chikwereti.

Pano zvakafanira kuti uchatamisa nzvimbo dzakasvikwa seiko kurema arege kunzi ukuwo, uye akaona raisagona kuva:

• Nyika inova chete yokuvanda kusauka, uye dzimba dzakadaro pacharo.
• Things kushandisa.
• Varayirwa, Medals nezvimwe mibayiro.
• Inopfupikisa mari mune imwe mari nokuti akakodzera gore chitsama subsistence pachiyero respondent, uye vanhu vakawanda kugara pachigaro chake kugutsikana.
• Magirosari.
• Pets (zvemumba).
• Household midziyo yemagetsi, mutengo asingasvavi kupfuudza zviuru makumi matatu.

Kunyange zvazvo kusauka evanhu, muitiro, zvinofanira Implementation kwayo, kusanganisira kutengeswa yesangano, akagovera nokuda zvemitemo mabasa, vari tsika, ngava vakadaro vane pfuma, yakakodzera Implementation hadziwanzowaniki. Unofanirawo kuziva kuti usingazungunuke pfuma rakamiswa mu chikwereti kubva mubhanga, uye vakashanda rubatso zvikwereti chikwereti zvinogona chinozoiswa.

pamwe nekurutsa

Sei kutanga kusauka nzira Nat. munhu, muitiro wayo Implementation sokuti kunzwisisa. Uye sei anoparadzirwa mari kubva pakutengeswa chikwereti zvinhu? Kuripwa zvikwereti kuti chikwereti, sezvataurwa pamusoro apa, rinoitwa kuitira kuitwa. Kuonana zvinotaura wekutanga pechikuva. Pashure zvizere mutsividzo kutenda: Zvinotaurwa kubva tungamidzana rematanho wechipiri uye ipapo retatu. Danho rokutanga zvinosanganisira Lenders, iyo nechikwereti riri chikwereti kuti zvakaipa utano kana upenyu. Uyewo mumutsetse uyu ndiwo Lenders kuti gupuro. Panguva iyoyo zvakanga akabhadhara muripo weUS kuti maneja, uyewo muchivarera kumapati. Chechipiri danho zvinosanganisira vanhu vari chikwereti muhoro zvinodiwa. The wechitatu unosanganisira zvinodiwa kwokuripirwa Magetsi nemvura uye kubhadhara rendi pachayo. nzvimbo Chechina - dzimwe mari.

Lenders izvi vavo zvinodiwa zvakasangana, sezvo chinhu chokutanga, sezvo ivo vanoonekwa chikwereti ari kuitika kubhadhara. Nokuti vamwe chikwereti, chii chinobatanidzwa mu kudzora pamazita chikwereti kutaura, pane pamwe nekurutsa matatu. Saizvozvowo, zvinoda dzavo pamudyandigere vakazotevera. Panyaya iyi, iyo vanoti chikwereti vari tungamidzana zvinogutswa, kufungisisa, vakanga nyaya kushandisa ayo kudiwa, kureva nokuda karenda kutevedzana.

Zvinotaurwa chikwereti pamusoro chemhosva izvo haisi mari yakakwana pashure kutengeswa zvakaparara ose chikwereti vanoonekwa kuti kuzodzimwa.

Zvakaipira nzira

Sei nzira kuti kusauka evanhu, zvinofadza vakawanda, asi kwete vose vanoziva kuti pashure yakadaro kwacho kusauka zvimwe kurambidzwa vari zvavakatemerwa nedare, kureva, zvimwe kodzero dzavo havazokwanisi kutengesa kuti imwe nguva dare. Saka, pakati kuomesa izvi: kusauka havazobvumirwi kuita chero basa mabasa, kunyanya kufunga zveutungamiri kutongerwa masangano anoshanda mari pakuchengetedzwa pakuwana zvikwereti pasina chiziviso masangano aya ari chokwadi kusauka ake.

Mumakore mashanu ari mugari ane kusauka haina kodzero kuti kuzodzosera kudare kuti kusauka. Uye vaya zviitiko apo munguva imwe chete iri kusauka chikumbiro achabva vamwe, kusauka muitiro achava siyanei. Saka, pashure kuguma mugari chikwereti havazobvumirwi mhosva kana muripo wavo haisi mari yakakwana. chikwereti kwakadaro achapiwa mukana wokugamuchira writs vaurayiwe uye kuramba kuunganidza zvikwereti kubva kusauka.

kugadzirisa

kusauka zvekufamba Nat. vanhu vanogona kuriritira kugadzirisa. Iri izwi rinoreva kuti amboshandurirwa chikwereti nokuripira papurogiramu abhadhara. Zvingava rutapudzo iri rendi pamwe kuwedzera nguva, nyora-offs uye Zvirango, fines, uye dzimwe nzira kuti mapato mose. Zvikurukuru, Lenders, kunyanya mabhanga, vanoziva kuti nzira iri phys kusauka. nechiso, uye yangopedzwa zvichaita kashoma kundoitora. Saka ivo, kazhinji kacho, nokuzvidira kubvumirana kuti kugadzirisa.

Kuti kubvumira kugadzirisa dare, zvakakodzera kupa zano rakajeka pamusoro sei zvichaitika nokuripira. Hurongwa Izvi zvinofanira kutsanangura ishandise zvose mugari, kusanganisira pamwedzi kwerunyararo paanofa. Kana kuda vabvume dare kuti iye anogona kugovera kusvika makore matatu ezvidzidzo nayo. Panguva iyi munhu anosungirwa kubhadhara zvikwereti zvose. Kana zvikadaro, ipapo kusauka nyaya zvichabviswa akamiswa uye kunzi ari mugari achaita kusauka.

mhedziso

The kusauka vanhu, murayiro nzira, migumisiro chikumbiro yaro iri zvakadzama chambotaurwa nezvacho Federal Law. Kudivi rimwe, izvi zvinokosha chaizvo kuti vamwe anokwereta avo zvechokwadi haagoni kuzadzisa ayo mitoro. Zvisinei, kurambidzwa zvavakatemwa pashure kushandiswa nzira iyi inogona kunyatsonanga chakazvibata vanhu. Uyezve, nguva dzose pachava munhu akadaro uyo ndeimwewo edza kuziva pachavo kusauka, chete kudzivisa basa uye kwete kudzoka mari.

Mubvunzo sei muitiro runogara Nat kusauka. munhu wo kuoma chaizvo. Izvi zvinogona kutora uye kwapera mwedzi, uye agare kwenguva refu. Izvi zvikurukuru novimba ruzivo rokudzora, nhamba chikwereti, murwiyo uye hunhu enzvimbo nechikwereti gobvu iri kumhanya waro Implementation, uyewo mamwe chinangwa uye kuzviitira zvikonzero.