Isicelo sokungabinamali

Isicelo sokungabinamali sisixhobo esinamandla sokuqokelela amatyala. Ukuba umntu onetyala akabhatali kwaye ibango alikaphikiswa, isicelo sokubhengeza singasetyenziswa rhoqo ukuqokelela ibango ngokukhawuleza nangexabiso eliphantsi. Uxwebhu lwezikhalazo ngokungahlawulisi lungenziwa ngesicelo somceli wesicelo okanye ngesicelo somnye okanye nangaphezulu kubabolekisi. Ukuba kukho izizathu zomdla kawonkewonke, iOfisi yomtshutshisi woLuntu inakho nokufaka ifayile yokubhanga.

Kutheni le nto umntu obolekayo efayilisha engabinamali?

Ukuba umntu onetyala lakho uhlulekile ukuhlawula kwaye akubonakali ngathi i-invoice engekabhatalwa iya kuhlawulwa, ungafaka ifayile kubutyala obutyala obabutyala. Oku kwandisa ithuba lokuba ityala (i) hlawulwe lihlawulwe. Emva kwayo yonke loo nto, inkampani ebhekene nobunzima bezemali ixesha elininzi isenemali, umzekelo, iimali kunye nezindlu. Kwimeko yokubhanga, yonke le nto iya kuthengiswa ukuze kufunyanwe imali ukuze kuhlawulwe ii-invoice ezingasasebenziyo. Uxwebhu lwezimali olwebhengeza umntu onetyala luphathwa ligqwetha. Igqwetha kufuneka libuze inkundla ukuba ibhengeze ukuba ityala lakho libile. Igqwetha lakho lingenise oku ngesibhengezo esibhankini. Kwiimeko ezininzi, ijaji iya kuthatha isigqibo senkundla ngqo ukuba ityala lakho libhengezwe libhanki.

Isicelo sokungabinamali

Ufaka nini isicelo?

Ungasifaka kwifayile yokubhangiswa ukuba umntu onamatyala:

  • Unamatyala ama-2 okanye ngaphezulu, eli-1 ekufuneka ibango (ixesha lokuhlawula liphelelwe);
  • Unamatyala amabini okanye amabini; kwaye
  • Kwimeko athi ayeke ukuhlawula kuyo.

Umbuzo odla ngokuwuva kukuba isicelo sokungabinamali sifuna ngaphezulu komntu omnye obolekayo. Impendulo nguhayi. Umntu obolekayo omnye unoku sebenzisa fokanye ukubhengezwa njengonetyala. Nangona kunjalo, ukubhenka kungabakho wathi yinkundla ukubangaba kubabolekisi abangaphezulu. Ababolekisi akunyanzelekanga ukuba babe ngabenzi-sicelo. Ukuba usomashishini ufaka isicelo sokungabinamali kumatyala akhe, kwanele ukungqina ngexesha lokucwangciswa ukuba kukho abantu abanatyala. Oku sikubiza ngokuba 'yimfuno yobuninzi'. Oku kungenziwa ngeengxelo zenkxaso ezivela kwabanye ababolekisi, okanye ngokubhengezwa ngulowo unetyala ukuba akasakwazi ukuhlawula abo bamtyalayo. Umenzi-sicelo ke kufuneka abe 'unamabango enkxaso' ukongeza ibango lakhe. Inkundla iyakuqinisekisa oku ngokufutshane nangokuthe ngqo.

Ixesha lokuqhubeka kwetyala lokungabinamali

Ngokubanzi, ukuxoxwa kwetyala kwinkundla yokubanjwa kwamatyala kwenzeka kwisithuba seeveki ezi-6 ukufakwa kwesikhalazo. Isigqibo silandela ngexesha lokuxoxwa kwetyala okanye ngokukhawuleza emva koko. Ngexesha lokuxoxwa kwetyala, amaqela anokunikwa ukulibaziseka ukuya kwiiveki ezi-8.

Iindleko zenkqubo yokuqhekezwa ngokungabinamali

Ngezi zinto ziqhubeka uhlawula iifizi zenkundla ukongeza kwiindleko zegqwetha.

Yenzeka njani inkqubo yokubhanga?

Inkqubo yokubhanga engabinamali iqala ngokugcwaliswa kwesicelo sokubhanga singabinamali. Igqwetha lakho liqala ngenkqubo yokungenisa uxwebhu lwezikhalazo kwinkundla icela ukuba ityala lakho libhengezwe ukuba lilityala. Nguwe ocelayo.

Uxwebhu lwezikhalazo malungeniswe kwinkundla ekwingingqi apho umntu onetyala elawulwa khona. Ukuze ube nokufaka isicelo sokungahlawulwanga njengetyala, olityala kufuneka abizwe izihlandlo ezininzi aze ekugqibeleni abhengezwe njengosileleyo.

Isimemo sokuya kwindibano

Kwiiveki nje ezimbalwa, igqwetha lakho liya kumenywa yinkundla ukuba liye kwindibano yoluleko. Esi saziso siya kuthi sichaze ukuba Umntu olityala naye uya kwaziswa.

Ngaba lowo unamatyala akavumelani nesibhengezo esibhankini? Unokuphendula ngokungenisa ukhuselo olubhaliweyo okanye ukhuselo ngomlomo ngexesha lokuxoxwa kwetyala.

Ukuxoxwa kwetyala

Akunyanzelekanga ukuba umntu onetyala abekho kwindibano yokumamela, kodwa kuyacetyiswa. Ukuba umntu onetyala akabonakali, unokubhengezwa njengongenamali

Wena kunye / okanye igqwetha lakho kufuneka nime enkundleni. Ukuba akukho mntu uvele kwindibano yesicelo eso unokukhatywa yijaji. Ukuxoxwa kwetyala akukho esidlangalaleni kwaye ijaji ihlala yenza isigqibo sayo ngexesha lokuxoxwa kwetyala. Ukuba oku akunakwenzeka, isigqibo siya kulandela ngokukhawuleza, ngesiqhelo kwiveki enye okanye ezimbini. Umyalelo uza kuthunyelwa kuwe kunye nomtyali, nakubammeli ababandakanyekayo.

Ukulahlwa

Ukuba wena uyakweleta, ungavumelani neenkundla ezaliwe isigqibo, ungasifaka isibheno.

Ulwabiwo

Ukuba inkundla ivuma isicelo kwaye ibhengeze ukuba umntu unetyala angabinamali, umtyali unokufaka kwifayile isibheno Ukuba umntu onetyala ubhengeza, ukubhengezwa kuya kwenzeka nokuba kunjalo. Ngesigqibo senkundla:

  • Umtyali unetyala ngokukhawuleza;
  • Ijaji yonyula i-liquidator; kwaye
  • Ijaji yonyula ijaji esongamelayo.

Emva kokuba ibhengeziwe ibhengezwe yinkundla, umntu (osemthethweni) othe wabhengezwa njengongenamali uya kuphulukana nokulahlwa nokuphathwa kweeasethi kwaye uya kubhengezwa njengongagunyaziswanga. I-liquidator kuphela komntu osavunyelweyo ukwenza isenzo ukusuka kulo mzuzu. Umgcini-mali uza kusebenza endaweni yokubhanga (umntu obhengeze njengongenamali), alawule ukuncitshiswa kwepropathi engabinamali kwaye anakekele abanikwayo. Kwimeko apho kubhengezwe iimali ezinkulu, kunokubekwa oomatshini abaziinkohliso. Kwizenzo ezithile, i-liquidator kufuneka icele imvume kumgwebi ogadiweyo, umzekelo kwimeko yokugxothwa kwabasebenzi kunye nokuthengiswa kweziphumo zasekhaya okanye impahla.

Ngokomgaqo, nayiphi na ingeniso efunyanwa ngumtyali ngexesha lokubhanga, iya kongezwa kwii-asethi. Ngokuziqhelanisa, nangona kunjalo, i-liquidator iyakwenza oku ngokuvumelana nalowo unamatyala. Ukuba umntu wabucala ubhengezwe njengabhengezwe njengongenamali, kubalulekile ukuba wazi ukuba yintoni egqitywe kukungabinamali nokuba yintoni. Izinto zokuqala kunye nenxalenye yengeniso, umzekelo, azifakwanga kubhengezo. Umtyali unokwenza nezenzo zomthetho eziqhelekileyo; kodwa iimpahla zebhanki azibophelelwanga koku. Ngapha koko, umntu ongekazisi utywala uya kwenza isigqibo senkundla esidlangalaleni ngokubhaliswa kwirejista yokuhlawula amatyala kunye neChamber of Commerce, nangokufaka intengiso kwiphepha-ndaba lesizwe. Irejista yokubhanga engabinamali iya kubhalisa isigwebo kwi-Central Insolvency Rejistri (CIR) kwaye isipapashe kwiGazethi kaRhulumente. Oku kuphuhliswa ukwenzela ukunika abanye abanokubakho ithuba lokunika ingxelo ngoncedo lwamanzi kunye nokungenisa amabango abo.

Umsebenzi wejaji esongameleyo kwezi zinto kukujonga inkqubo yokulawula kunye nokupheliswa kwee-insolvent asethi kunye nezenzo zenkcaso. Kwisindululo sejaji esongameleyo, inkundla inokuyalela ukuba ibambe imali ibambekile. Ijaji esongameleyo inokubiza kwaye imamele amangqina. Ngokudibene ne-liquidator, ijaji ejongayo ilungiselela iintlanganiso ekuthiwa zingqinwa, apho aya kusebenza njengosihlalo. Intlanganiso yokuqinisekisa yenzeka enkundleni kwaye kungumcimbi apho uluhlu lwamatyala luqokelelwe ngumphathi wokuphulukana nobutyala, luya kumiselwa.

Ziya kuhanjiswa njani izinto zexabiso?

Umgcini wotywala uchaza indlela abaza kuhlawula ngayo abo babambeleyo: iodolo yodidi lwababambisi. Ubekwe kweliphi inqanaba, lelona lithuba likhulu lokuhlawulwa njengekhredithi. Ukulandelelana kwezikhundla kuxhomekeke kuhlobo lwababolekwa ityala.

Okokuqala, ngangokunokwenzeka, amatyala e-asethi aya kuhlawulwa. Oku kubandakanya umvuzo wenkampani yokuhlawula amanzi, irente nomvuzo emva komhla wokuvalwa kwemali. Imali eseleyo, iya kumabango anelungelo, kubandakanya nerhafu kunye nezibonelelo zikarhulumente. Yonke intsalela iya kubakhupheli abangakhuselekanga ("abaqhelekileyo"). Nje ukuba ababhatali bakhankanywe ngentla babe bahlawulwe, nakuphi na ukuphumla kuya kwabo babambeleyo. Ukuba kusekho imali eshiyekileyo, iya kuhlawulwa kubanini-zabelo ukuba ichaphazela i-NV okanye i-BV. Ukubhanga komntu okubonakalayo, okushiyekileyo kuya kubhengezo. Nangona kunjalo, le yimeko ekhethekileyo. Kwiimeko ezininzi, akukho ntsalela ininzi yababolekisi abangakhuselekanga abayeke ukuba babhengeze.

Isimangalo: ookwahlulahlula

AbakwaSecaratists banamatyala:

  • Umthetho wobambiso:

Ishishini okanye ipropathi yendawo yokuhlala ibambisene kwimali mboleko kwaye umnikezeli wempahla mboleko angabanga imali ethe kratya kwimeko yokungabhatalwa.

  • Ilungelo lesibambiso:

Ibhanki inike ikhredithi ngemeko yokuba ukuba akukho ntlawulo yenziweyo, inelungelo lesibambiso, umzekelo, kwi-inventri yeshishini okanye kwisitokhwe.

Ibango lokwahlulahlula (igama elithetha ukuthini kakade) lahlukile kubhengezo kwaye lingabangwa kwangoko, ngaphandle kokufuna ibango lommisi. Nangona kunjalo, i-liquidator inokuthi icele ukwahlulahlula ukuba ilinde ixesha elifanelekileyo.

Iziphumo

Njengawe obolekayo, isigqibo senkundla sinezi ziphumo zilandelayo:

  • Awusenako ukumbamba ngokwakho
  • Wena okanye igqwetha lakho uza kungenisa ibango lakho ngobungqina obubhaliweyo kwi-liquidator
  • Kwintlanganiso yokuqinisekisa, uluhlu lokugqibela lwamabango luya kwenziwa
  • Uhlawulwa ngokoluhlu lwamatyala olwelo
  • Ityala elisele linokuqokelelwa emva kokubhengezwa

Ukuba umntu onetyala ungumntu ngokwendalo, kwezinye iimeko kunokwenzeka ukuba emva kokuba ebhengeziwe, umniki-tyala angenise isicelo enkundleni ukuze aguqukele ekubhengezeni amatyala akhe abe lilungisa kwakhona.

Kwityala, isigqibo senkundla sinezi ziphumo zilandelayo:

  • Ukuthathwa kwazo zonke iiasethi (ngaphandle kweemfuno)
  • Lowo unamatyala ulahlekelwa lulawulo kunye nokuchithwa kwezinto zakhe
  • Imbalelwano iya ngqo kwi-liquidator

Iphelisa njani inkqubo yokubhanga?

Ukupheliswa kwemali kungaphela kwezi ndlela zilandelayo:

  • Utyalomali ngenxa yokunqongophala kwee-asethi: Ukuba akukho mali yaneleyo yakwazi ukuhlawula izaziso ngaphandle kwetyala lempahla, ukubhengezwa kuya kupheliswa ngenxa yokunqongophala kweeasethi.
  • Ukupheliswa ngenxa yokuhlengahlengiswa nababolekisi: Unokungabinamali into yokuba umntu angabhatala imali. Eso siphakamiso sithetha ukuba umntu ongahlawulwanga uhlawula ipesenti yebango elifanelekileyo, athi akhuphe kulo ityala lakhe lonke ibango.
  • Ukurhoxiswa ngenxa yesiphumo esibophelelayo soluhlu lokugqibela lokuhambisa: kulapha xa iimpahla zingenayo ivolumu eyaneleyo yokusasaza ababambisi abangakhuselekanga, kodwa abo baphambili babucala banokuhlawulwa (ngokwenxalenye).
  • Ukugqitywa kwesigqibo senkundla esigwetywe sisigqibo seNkundla yeZibheno
  • Ukurhoxiswa kwesicelo sokungabinamali kwaye kwangaxeshanye kubhengezwe ukusetyenziswa kwenkqubo yokuhlengahlengiswa kwamatyala.

Nceda uqaphele: Umntu wendalo unokuphinda avalelwe ematyaleni, nasemva kokuba ichithwe ubhengezo. Ukuba intlanganiso yokuqinisekisa yenzekile, umthetho ubonelela ngamathuba okuphunyezwa, kuba ingxelo yentlanganiso yokuqinisekisa ikunika ilungelo lokufumana isihloko esinokunyanzeliswa. Kwimeko enjalo, awusadingi isigwebo sokuphumeza. Ewe, umbuzo uhlala; Yintoni enye enokufunyanwa emva kokuba umntu ebhengeziwe?

Kwenzeka ntoni ukuba umtyali angabambisani ngexesha lokuqhubeka kwamatyala?

Umtyali unyanzelekile ukuba abambisane kwaye anike i-liquidator lonke ulwazi oluyimfuneko. Oku kubizwa ngokuba 'luxanduva lokwazisa'. Ukuba umntu othintela izinto ezingasebenziyo uthintelwe, angathatha amanyathelo okunyanzeliswa anjengokuphengulula imibuzo ngokuhlawula amatyala okanye ukuthathwa kwakhe kwindawo yokuvalelwa. Ukuba umtyali wenze into ethile phambi kokubhengezwa njengongenamali, ngenxa yokuba abo banamatyala banamathuba amancinci okufumana kwakhona amatyala, umntu ongcolisekileyo angazitshitshisa ezi zenzo ('bankruptcypauliana'). Esi kufanele ukuba sisenzo esisemthethweni esenziwe ngumntu onetyala (obhengezwe kamva) ngaphandle kwesibophelelo, ngaphambi kokubhengezwa kokungabinamali, kwaye ngokwenza lo mthetho lowo unetyala wayesazi okanye ebefanele ukuba uyazi ukuba oku kuya kubangela ukungabinamali kwabo banamatyala.

Kwimeko yeziko lezomthetho, ukuba umntu othobela umthetho ufumanisa ubungqina bokuba abalawuli basebenzise kakubi iziko elisemthethweni lokuhlawula amatyala, banokugwetywa ngasese. Ngapha koko, malunga noku unokufunda kwibhlog yethu ebhaliweyo: Uxanduva lwabalawuli kwi-Netherlands.

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