VomuUmambo kusauka. Bankruptcy Law vagari: kushanda zvinhu

Bankruptcy Law vagari vakatanga kuti mune 2012, asi akabvuma zvakanga zvisina kudaro kare - muna 2015. Havasi ngava zvose pamusoro zvikwereti vakanga solvent, saka vanhu vakawanda Russia musumo mutemo waiva chiitiko Welcome. Kana kwete atange kusauka nzira? Zvaunofanira kuziva subtleties ari nechikwereti?

Nei mutemo wakadzikwa?

With vokuRussia zvikwereti richikura nerimwe gore chikwereti. Maererano Central Bank, sezvo yaJanuary 1 rapera, zvachose chikwereti wezvizvarwa vakasvika anopfuura bhiriyoni 600 rubles, uye muna 2014 raiva rimwe-rechitatu zvishoma. Mutemo rinotarisirwa kuva neshanduro yakanaka nokure mutengi anomukweretesa. Kufarira rate pamusoro zvikwereti kukura gore negore, sezvo vakaisa pasi ngozi muripo uye delinquency. The chete mamiriro ezvinhu aripo pamwe kuripwa matunhu neminisiparati mabasa. Mutemo rinoshanda ose zvikwereti.

Bankruptcy Law vagari: musimboti, chikuru zvokudya

July 1, 2015 akapinda simba Federal Mutemo pamwe nhamba 476. Maererano noMutemo, boka raivapo kusauka mutemo (kana insolvency) uye nezvimwe zviito Akave nokuvandudza, Dare anoratidza kuti rokuchinjwa chikwereti vagari.

Kubvira musi vagari vane zvikwereti kune zvikwereti zvinopfuura 500, 000 uye kuva kunonoka muripo mazuva anopfuura 90 anogona kushandisa kudare kuti kuzivikanwa kwavo varombo. Panguva iyoyo mumwe mugari wenyika kusauka nzira kungava chirongwa kwemutongo sangano kana mutero basa. Maererano 214th nyaya noMutemo, kuti kusauka nzira nomumwe Entrepreneurs ndiko akafanana kuti kushandisirwa zvizvarwa.

In Article 213, ndima 1, akati ruzivo pamusoro nzira wakanyorwa Federal Register uye haagoni kubudiswa renhoroondo zvinyorwa. To kuburitsa vangagara mashoko kuzivikanwa mumuviri vanhu kusauka, kushanda chikwereti kugadzirisa kwacho uye Implementation pfuma yavo.

A chepfungwa murayiro kusunga mukuru mukuru panzvimbo kunyoresa munhu.

Zviratidzo kusauka ane mugari: nzira dzekuziva kuti insolvency

1. A dzinongoitika munhu yamira zvachose vakauraya munataisireva kuti chikwereti masangano.
2. The mugari hazvirevi kudzima rokumanikidzirwa kubhadhara kuti ndakauya yakafanira yemichindwe.
3. Kana kubva panguva kuurayiwa chikwereti kwave mazuva anopfuura 30, uye avo zvachose kukura inopfuura 10% of mari kunyorerwa.
4. mugari kukosha pfuma ndiyo zvikuru kuderedza uwandu chikwereti.
5. Kana mugari ane chisarudzo pamusoro kwemamiriro ari vatevedzere zvekufamba, sezvo asina pfuma chinogona zviunganidzwe.

Ndianiko angataura kusauka

Haasi wose Russian mugari angataura pachako kusauka. Pasi mutemo mutsva zvinogona kuitwa nenzira nhatu:

1. Kana uwandu chikwereti chave kupfuura 500 zviuru rubles.
2. Kana nechikwereti kunogona kuratidza kuti haana mukana kubhadhara mari yake mutoro.
3. Kana nechikwereti kunoratidza kuti kuedza abhadhare chikwereti uye kuti kugumisa chibvumirano kuti kugadzirisa mari mitoro.

haagoni kunzi Insolvency (Bankruptcy) ane mugari wenyika Russian Federation apo Verengai pamwedzi kubhadhara pasi chibvumirano ne mukweretesi akapfuudza mari chaiye munhu. Panyaya iyi, dare anogona chete kuziva mugari sauka, asi chikwereti chikonzero ichi rirege kupomerwa.

Ngozi kuno wakatora chikwereti

Pakutanga chikwereti-mugari kusauka zvekufamba kunoratidza kuti haana mari abhadhare magetsi zvikwereti. Saka bailiffs achamanikidzwa kutengesa pfuma yaro. Ose pfuma kutengeserana pamusoro kuchinjwa mhuri yake, achaparadzwa wacho. Zvinogona akadzima uye chibvumirano kuti kuzozvidzorerwa. Kana pfuma iri kwemajoini muridzi, akatengesa munda pfuma muridzi nokuda nechikwereti. Kana kusauka - IP, chikwereti marezinesi zvose uye chitupa wehurumende kunyoresa ane entrepreneur.

Recovery zvisingaiti kumanikidza ose enzvimbo nechikwereti. Kutatira haritorwi zvivako kana zviri - chete nzvimbo chikwereti dzokugara. Patasvika zvinoshandawo pfuma kuti akanga awana pamwe rubatsiro chikwereti (kana hakusi nyaya nharo). Kutatira hairevi zvipfeko, shangu, musha yakarongedzwa zvinhu, mibayiro, mamiriro mibayiro.

Bankruptcy zvekufamba

Bankruptcy vagari - a multi-mudariro nzira, kushanda iri zvinogoneka chete kuburikidza Mutongo arbitral pechigaro chokutonga. Kuti aite izvi, dare anofanira kuzviisa yakakodzera kushandiswa. Kana chikumbiro iri akaonekwa kushanda, ipapo anotevera matanho anotorwa:

• Debt kugadzirisa.
• Vasinganyatsooni chinjwa uye usingazungunuke enzvimbo nechikwereti.
• A yokugara chibvumirano (mapato vanogona kuwana kunzwisisa, uye nyaya iri acharega).

Zvinofanira kutengeswa pfuma - imwe chiyero zvakanyanyisa. Pachirehwa chete kana kugadzirisa urongwa haana vakaurayiwa munhu. The pfuma, rakanga riwanikwe nechikwereti nenguva chisarudzo dare kana vawana pashure iri kutengeswa okisheni.

Debt kugadzirisa hurongwa

Bankruptcy vagari - nechiyero, unova danho rokutanga kugadzirisa chikwereti. Chinangwa charo mberi mukana mumwe mugari kubhadhara zvikwereti pamwe chikwereti, kushandisa zvose zvinobvira zvinopa mari. Maererano dare yakatanga urongwa, izvo zvinofanira kusanganisira nguva uye kukura, uyewo chemhosva vachibhadhara pamusoro chikwereti. Kukura zano iri musimboti kubatana muna kusauka nyaya. The urongwa ane kunonyanyisa rokuti Kuziva - 3 years. Zvisinei, izvozvo zvinogona kuwedzerwa nedare.

Maererano nomutemo, chikwereti kugadzirisa anogona kushandisa kuti munhu kana:

• A mugari ane kunobva mari.
• Hapana chinyorwa mhosva mumunda zvoupfumi mhosva (nguva sunga kana afa).
• mugari-chikwereti kusauka haina kuzivikanwa 5 years.
• of kugadzirisa urongwa haina akakudziridza uye haana kubvumirwa kwemakore 8 risati ratanga nzira iyi.

The mari hunoshamisa pasi kuronga uye yaisanganisira kufarira nokuda mukweretesi ave echokwadi. Saka kukura mubereko unoenderana mwero refinancing CBA.

Sezvo urongwa iri akaurayiwa

Sezvo chemhosva kuna chikwereti nepurani anotenderwa anekodzero yokuita mazano pamusoro kuchinja maro. Izvi zvinofanira kuziviswa nokuda maneja zvemari. Kana mamiriro ezvinhu emari ari chikwereti anovandudza chikwereti chikumbiro kudare kuyananisa, apo urongwa Akave nokuvandudza.

Kana izwi kuronga anouya kupera, maneja zvemari nderokugadzirira mushumo, vakazochinja akatumirwa dare uye chikwereti tsika. Kana chikwereti wacho kupomera usiri vakasangana nenguva nenzira, ipapo anoenda kudare.

Panyaya iyi, dare anogona kutora rimwe zviviri zvingaitwa:

• Pedzisa kugadzirisa kwacho.
• Ziva kusauka vemunyika.

pfuma Nokutengesa

Zvikonzero rokuzivisa kusauka angava akawanda:

• Nonoka chikwereti kugadzirisa hurongwa.
• The urongwa haana kugamuchira kufarirwa mbiri nemasangano.
• Kukanzura kugadzirisa nedare.
• Resumption matare kusauka kugadzirwa.

Bankruptcy vagari (dzinongoitika vanhu) kunosanganisira mashoko Implementation chikwereti 'pfuma. kuti By dare kunogona kunzi rairambidzwa kufamba kunze. Limitation chete kubviswa panguva kwemamiriro kutongwa kosi. Zvinogona akadzima pachine chete kune chikumbiro ane mugari, uye sungano chikwereti.

Kana nechikwereti haanzi kusauka, zvakaparara zvaitambidzwa maneja zvemari. All pfuma kutengeserana maturo pasina iye. Izvi zvinoshandawo mari mubhangi nyaya, uye chokupika pfuma sungiro nemapoka rechitatu.

Kukoshesa basa kuitwa pasi pokudzora maneja zvemari. Evaluators anogona asungwa Mutongo chikwereti mari dzavo. Nepo Kunofungidzirwa pachayo anogona kukundwa mudare.

Kana kurasa zvinhu kumboitika, uye zvikwereti masangano vakaramba kutora kufungawo chikwereti, vagari zvakare inobaya dzokurasa kwavari. Panyaya iyi, iyo vanoti chikwereti vanonzi kugutsikana.

zvakanakanaka chibvumirano

nzira iyi inowaniswa nomutemo uyu. At chawo pane kumira enyaya. Decision anoitwa pamusangano chikwereti, uye sungano yatova mudare.

Pashure chibvumirano pamusoro chikwereti kugadzirisa hurongwa akadzima, akabvisa kurambidzwa waguta chikwereti zvinotaurwa. Mugari anoenderera kubhadhara chikwereti. Kana ari chikamu chake vakakanganisa mitemo chibvumirano, kusauka nyaya iri rakatanga zvakare.

Nezvayakaipira nokuti nechikwereti

• The kusauka vomuUmambo Russian - muitiro chinoda zvinhu mari (kwokuripirwa dare yokufambisa uye kuzvidzora mabasa).
• Nhoroondo All, kusanganisira vadyi, chando.
• chikwereti zvomumwe asungwa.
• Mumakore matatu mushure kuziva kusauka chikwereti angasava muvambi isangano repamutemo.
• Zvavakatemerwa kurambidza dzimwe kufamba.
• Mumakore mashanu mushure kuziva kusauka mugari havazokwanisi kukwereta.
• Kana pasina ruzivo mari kudzora muitiro kutenga kana kutengesa munhu pfuma, chikwereti inotarisana wakanaka kubva 4000 kusvika 5000 rubles.
• Pasina gore pashure kusarudza dare haagoni riitwe zvebhizimisi.

Vachabatsirwa chikwereti

• Kana chikwereti akapfuudza kukosha pfuma, mari yasara iri deducted kubva mugari, sezvo akanga asina mari akasiya kuchibhadhara.
• Kana nechikwereti haana vaiva mumwe pfuma, asi furati ake, kwaanogara.
• Mudare, fines uye Zvirango haana mhosva.
• Kubvisa zvisingakoshi basa zvemari.

Consequences nokuti chikwereti

Nokuti zvikwereti masangano, kuti kusauka nzira anobvumira kuti adzikunure zvizere chitsama chikwereti, uyewo kutora chikamu mune pakugoverwa yacho kubva kutengeswa pfuma.

Zvekunyepera kusauka: Migumisiro kuti chikwereti

For zvekunyepera kusauka vomuUmambo, kureva, mashoko enhema pamusoro solvency yavo, mutemo otaura administrative basa. Commission of mhosva hwakazara administrative yakaisvonaka, kukura riri kubva 1000 kusvika 3000 rubles.

An administrative murango inopiwa nezviito nemaune chikwereti, zvakazoita kuti kurasikirwa mari uye nekusagona kubhadhara zvikwereti kune zvikwereti.

Kupa ruzivo zvenhema pamusoro pfuma, pakodzero dzake, munataisireva, uwandu muzvikwereti, uye mamwe mashoko rakatarisana mugari faindi 4,000 kusvika 5,000 rubles. Vanhu, chirango nomutemo mhingaidzo mabasa maneja zvemari yakatarwa dare, kusvikira 3000 rubles.

Kana ukaedza kutamira kodzero kuti chinjwa uye usingazungunuke pfuma yacho kusauka iri akatyisidzirwa nokuiswa mujeri kusvikira 6 makore.

niceties

The nechikwereti, zviri chinodiwa kuziva zvinoitwa kusauka ane mugari. Murayiro haasi vakakwana uye ane nharo nhengo zhinji.

Contestation vangagara kushoma yakawanda chikwereti chikwereti kune zvikwereti. Panguva yacho Kuongorora solvency yacho nechikwereti uye zvakanakira yokupedzisira anogona kushandisa kodzero kushandisa pfuma. Kuti Entrepreneurs nekusagona mari chikwereti rinogona Kurambidza munhu mhando kuita mabasa aro. Zvisinei, mamiriro ezvinhu ari remedied, nekuti ikozvino kushanda makambani kupa mari uye pashure maitirwe ezvinhu izvi.

Kuwana kusauka chinzvimbo inopa shoma zvinobatsira vagari, kunyange simba zvikuru. The nzira pacharo anotora nguva refu. Mutemo unogona kuvandudza mamiriro ezvinhu evaya chikwereti mazakwatira emari uye havagoni kubhadhara zvikwereti. Bankruptcy hakuiti nguva dzose kuva ruponeso nokuda nechikwereti.