Kodi phindu lalamulo ndilotani?

chiwongola dzanja chalamulo

Pakadali pano ngongole ndizomwe amagwiritsidwa ntchito kwambiri ndi ogwiritsa ntchito ambiri, chifukwa luso likamapita patsogolo, ndizosavuta kuyendetsa pemphani ndi kuvomereza ngongole pafupifupi aliyense. Komabe, ngakhale ndiwotchuka kwambiri, ngongole sizidziwikabe kwa ogwiritsa ntchito ambiri, makamaka pankhani yazamalamulo kapena malamulo, ndipo limodzi mwamalingaliro omwe ayenera kutisangalatsa, komanso omwe nthawi zambiri samadziwika ndi chidwi chalamulo chandalama, koma tisanamvetsetse mawuwa tiyenera kumvetsetsa izi.

Nthawi timapempha ngongole Timagwirizana ndi wobwereketsa kapena bungwe lazachuma nthawi yomwe tiyenera kumaliza ngongole zathu; kuwonjezera pa izo zafotokozedwa chiwongola dzanja chomwe chimagwiritsidwa ntchito pamalipiro oyambira, Chidwi ichi chikhoza kukhala chosavuta kapena chophatikizika, kuphatikiza apo sintha nthawi yowonjezera momwe tiyenera kulipira ngongole zathu.

Ndipo ngakhale pakadali pano zonse zikuwoneka ngati zangwiro, pali zochitika zina zomwe zimachitika m'moyo weniweni zomwe sizimayendetsedwa nthawi zonse, chimodzi mwazomwezi ndikuchedwa kubweza ngongole zathu.

Pali zochitika ziwiri za konkriti, tikachedwa kubweza kamodzi kuti timalize ngongoleyo, monga zimakhalira ndi ma microcredits omwe Wobwereketsa amapempha ngongole mu kulipira kamodzi, makamaka mkati mwa mwezi umodzi mutaloleza ngongoleyo. Mkhalidwe wachiwiri ndi pamene timachedwa kubweza zolandila mayunifomu, mwachitsanzo, ngati ndalama zathu ziyenera kulipidwa pa 2 mwezi uliwonse ndipo m'mwezi wa Ogasiti tachedwa, osatha kubweza ndalamazo mwezi umenewo.

Nkhani ina yomwe tiyenera kudziwa tisanatanthauzire mutu wankhaniyi ndi kuchedwa, liwu lalamulo limagwiritsidwa ntchito kutanthauzira kulephera kulipira munthawi yomwe agwirizana chifukwa chakusanyalanyaza, kutanthauza kuti kuchedwaku ndicholinga.

Izi ndizofunikira kukumbukira chifukwa chiwongola dzanja chalamulo Zimangogwira ntchito ngati amene akuyenera kubweza ngongole akuchedwa; Mwanjira ina, ngati chifukwa chomwe simunathe kubweza ndindalama zomwe simungathe kuzilamulira, chilango chimatha kusiyanasiyana.

Chomaliza chomwe tiyenera kumvetsetsa bwino tisanalowe mu chisankho cha chidwi chalamulo cha ndalama ndikuti ngongole yomwe timapempha ndi mgwirizano kapena mgwirizano pakati pa wobwereketsayo ndi wogwiritsa ntchito; Ndipo monga pamgwirizano uliwonse, onse awiri amavomereza kukwaniritsa zigawo zina, ndipo ngati sitikutsatira, pali zigawo zomwe pamakhala chilango chosatsatira. Izi zikutanthauza kuti ngati tadzipereka kupereka ndalama tsiku lachiwiri ndipo osatero, bungwe lazachuma litha kupereka chindapusa.

Chidwi chalamulo cha ndalama

chiwongola dzanja chalamulo

Chilango yomwe imayang'aniridwa ndi kubweza mochedwa amavomereza nthawi zambiri kudzera pakulipira ndalama kwakanthawi. Zowonjezera zomwe timapeza kuti zitha kulipidwa zitha kukhala chifukwa choti mabungwe azachuma azigwiritsa ntchito nkhanza mwakuti ndalama zambiri zimalipidwa, kotero kuti izi zitheke boma lipereka chiwongola dzanja chalamulo cha ndalamazo.

Tikamvetsetsa kuti mgwirizano ndi chiyani, ngongole, kuchedwa, ndi kulipira kwina, titha kulowa zisankho za chiwongola dzanja chalamulo. Izi zitha kutanthauzidwa ngati kuchuluka kwa ndalama zomwe boma limakhazikitsa, kuti athe kuwerengera moyenera ndalama zomwe zimayenera kulipidwa ngati chindapusa chochepetsera ndalamazo.

Tsopano ndizowona kuti boma limakhazikitsa Chiwongola dzanja chapachaka zomwe zingagwire ntchito pochedwetsa kulipira, komabe china chofunikira kwambiri kuganizira ndichakuti chiwongola dzanjachi chimagwira ntchito pokhapokha ngati palibe mgwirizano womwe wogwiritsa ntchito ngongoleyo avomera kupanga zoonjezerazo pogwiritsa ntchito chiwongola dzanja china.

Ndi pazomwe tafotokozazi ndikofunikira kuti monga ogwiritsa ntchito ngongole tiwunikenso mgwirizanowu bwino posaka zina mwazinthu izi, chifukwa ngati tivomereza kuti chowonjezeracho chimapangidwa ndi muyeso wina kupatula chidwi chalamulo chandalama, ndiye kuti chiwerengerocho chikadatha kuwonjezeka kwambiri.

Komabe, pamakhala zochitika zambiri momwe, ngati palibe gulu lomwe lagwirizana ndi chiwongola dzanja china ngati chingachedwe, lamuloli limakhazikitsa kuti ndalamazo zizilipiridwa. Nthawi zina pamakhala malamulo achindunji pazinthu zina, chifukwa chake ndikofunikira kuwunikanso malamulowo kuti tithe kufotokoza molondola ndalamazo. Nambala nambala 1108 ya Civil Code ali ndi udindo woyang'anira izi.

Vuto lina lomwe tiyenera kuliganizira ndilakuti chiwongola dzanja chimagwiritsidwa ntchito pamalipiro, Chifukwa chake, chiwongola dzanja chonse chotsatira chidzakhala chofanana ndi kulipira komwe kukugwirizana ndi nthawiyo kuphatikiza chindapusa chakuchedwacho. Chifukwa chake, malipiro omwe akuyenera kulipidwa ndi ofanana ndi kuchuluka kwa ngongoleyo kuphatikiza ndalama zomwe zimawonjezeredwa ngati zowonjezera.

Malamulo apano

chiwongola dzanja chalamulo

China chomwe chikuyenera kufotokozedwa ndikuti pano ndi ndani amene akulamulira izi chiwongola dzanja ndi banki yaku Spain pawokha, kuti ngakhale ili motsogozedwa ndi boma la Spain, ndi gulu lina.

Izi ndizofunikira chifukwa chiwongola dzanja chalamulo Poyambirira, ngati lidayendetsedwa bwino ndi boma, ndiye kuti gawo lamalamulo, kotero kuti malamulo ake amalamulidwa ndi lamulolo.

Panali mpaka Disembala 30, 1997 pomwe kulumikizana kulikonse komwe kulipo pakati pa chiwongola dzanja chalamulo ndi chiwongola dzanja chofunikira olamulidwa ndi banki yaku Spain. Mwanjira imeneyi, ubale womwe udalipo pakati pa chiwongola dzanja womwe adalamulira kubanki komanso chidwi chalamulo cha ndalamazo.

Izi zinali zofunika kwambiri chifukwa mchaka cha 2011 ndi 2012 ngongole zaboma zaku Spain zidadziwika bwino, chifukwa chake misika yazachuma idakulitsa mtengo wake momwemonso.

Koma zikomo kuthetsedwa kwa ubale wapakati chiwongola dzanja chiwongola dzanja chovomerezeka pamalamulo Sanasonyeze kuwonjezeka kulikonse, komwe kukadachitika akadapanda kulingalira za nkhaniyi.

Mlandu wapadera

Chochititsa chidwi chokhudza mbiri yamalamulo pankhaniyi ndikuti ku Spain komweko ku Morocco kunali malamulo odziyimira pawokha kuchokera ku Spain yense.

Pamalo awa chidwi chidayikidwa pa 6% pachaka, koma ndikuchepetsanso mwayi woti omwe akukhudzidwa agwiritse ntchito mgwirizano womwe adati iteres anali opitilira 12%, kotero ngakhale onse atasainirana mgwirizano, ngati mitengo yomwe anavomera inali yayikulu kuposa 12%, izi zidzathetsedwa mwalamulo.

Kusintha komaliza kwa lamuloli kunali mu 1946, momwe chiwongola dzanja chalamulo chidakhazikitsidwa pa 4%. Pambuyo pake, atangotetezedwa ku Morocco atasiya kulandira chithandizo chapadera ndikuvomerezedwa ndi lamulo lomwelo lomwe limagwira ku Spain konse.

Chidwi pakuchedwa msonkho komanso kuchedwa kwazamalonda

chiwongola dzanja chalamulo

Pali mitundu iwiri ya chiwongola dzanja chochedwa, msonkho ndi malonda. Onsewa ali ndi zifukwa zosiyana pakadali pano pazifukwa zosiyanasiyana pakulipira kwa wobwereketsayo; kuti timvetse bwino, tiyeni tiwunikenso mosadalira.

Kuyambira ndi chiwongola dzanja cha msonkho, kuchuluka komwe kumakhazikitsidwa pamagulu okhudzana ndi anthu, makampani ndi mabungwe aboma. Chiwongola dzanja ichi chimakhudzana mwachindunji ndi bungwe la misonkho, ndipo ndi phindu lofananalo lomwe limafunikira ngati kulipira kwa okhometsa misonkho.

Mwanjira yosavuta titha kutanthauzira kuti iyi ndi ndalama yomwe tiyenera kupereka kwa omwe amapereka msonkho chifukwa chopeza ndalama chifukwa chakuchedwa kubweza ngongole.

Tsopano, chiwongola dzanja chobweza mochedwa lamulo lalamulo limayendetsedwa, lomwe lidalamulidwa ndi Nyumba Yamalamulo ku Europe ndi Khonsolo. Izi zikuwongolera zochitika zomwe zimakhudzidwa kwambiri pakati pamakampani, kuti pasakhale anthu omwe akukhudzidwa. Imawunikiranso momwe zinthu zikuyendera pakati pa mabungwe aboma. Nkhaniyi ndi yakuya kwambiri m'malamulo ake onse.

Tiyeni tiyambe ndi mfundo yakuti Nthawi yoperekera ndalama imakhala yokwanira masiku 60, ndipo izi sizingakulitsidwe mulimonsemo. Kuphatikiza apo nthawi yomwe imaganizira masiku 60 imayamba osati nthawi yomwe invoice ikulandilidwa, koma ndi kulandira katundu kapena zinthuzo.

Nkhani zina zomwe zimayendetsedwa ndikukonzekera ma invoice kuti athe kulipira kamodzi, pakati pa ena. Pazochitikazi, zochitikazo zimakhazikitsidwa makamaka ndiudindo wa kasitomala kuti athe kukonza zomwe agula ku kampani ina.

Kukumbukira zonsezi ndikofunikira kwambiri, ngakhale chinthu chabwino nthawi zonse sichikhala kupitilira nthawi yolipira.


Zomwe zili m'nkhaniyi zikutsatira mfundo zathu za malamulo okonzekera. Kuti mufotokoze cholakwika dinani Apa.

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