Gutandukana byahindutse inzira ibabaje yimibanire yubukwe bwa none. Dukurikije imibare, mu myaka ibiri ya mbere kugeza ku myaka itatu nyuma yuko ubukwe bwakosowe kugeza ku 50%. Hagati aho, gutandukana kw'abashakanye mubihe byinshi bikubiyemo nigice cyumutungo.
Ukurikije igice cya 1 cyubuhanzi. 38 Mu miryango y'Abarusiya y'Ishyirahamwe ry'Uburusiya, igice cy'umutungo usanzwe w'abashakanye ntigishobora gusabwa gusa mu nzira yo guhagarika ishyingiranwa, ahubwo no mu myikwe ubwayo. Mu buhanzi. 34 muri RF IC ishimangiwe ko umutungo uhuriweho ari umutungo w'abashakanye, wabonetse na bo mu gihe cy'ubusabane. Ariko tuvuge iki ku mutungo utimukanwa, wabonye hakoreshejwe inguzanyo? Numutungo uhuriweho nabashakanye cyangwa ni uwushakanye ukora inguzanyo yinguzanyo?
Kode yumuryango ya federasiyo y'Uburusiya isobanura inzu imaze kubona inguzanyo, nkuko umutungo wabonye. Inguzanyo y'inguzanyo, nk'uko imibereho y'ubucamanza yashizweho, ubusanzwe itangwa hagati y'abashakanye muri ibyo bice bitangwamo. Niba abashakanye ari ba nyir'inzu ya ½ amazu buri umwe, hanyuma umwenda w'inguzanyo nawo ukwirakwizwa hagati yabo kimwe.
Kubera ko abashakanye bahora batoza mu nguzanyo, niba umwe mu bashakanye azishyura inguzanyo kuri we, azahabwa uburenganzira bwuzuye bwo gusaba indishyi zuzuye amafaranga yahembwa ku bashakanye ba kabiri.
Umunyamategeko Anna volodchenko
Uburyo bwiza kandi buke bwo ku gice cyinguzanyo hagati yabashakanye bibaho ukurikije amasezerano yabo. Niba binaniwe gushingira, biracyari gusangira inzu yinguzanyo mu rukiko. Ni ubuhe buryo muri uru rubanza? Ihitamo rya mbere ni inzu yinguzanyo no kwishyura inshingano zigenda ziva kubashakanye bahabwa umushahara munini kandi ushoboye kwishyura inguzanyo yinguzanyo wenyine.
Niba umwe mu bashakanye yiteguye kureka uburenganzira bwe mu gice cy'inguzanyo y'inguzanyo ndetse n'inshingano yo kwishyura umwenda, ni ngombwa kugirana amasezerano mu kugabana umutungo rusange wemejwe na noteri. Mu kiseera kye kimu, ko uwo mwashakanye ko ahabwa inzu igomba kwishyura mwashakanye kabiri ko yanze uburenganzira bwo nzu, ½ bigize amafaranga ko yarishwe nk'uko kwishyura ingwate mu hariho imibanire.
Ihitamo rya kabiri nigurishwa ryamagorofa yinguzanyo, kwishyura umwenda ku kigo cy'inguzanyo, kandi niba hari uburyo bukwiye - igice cyabyo hagati y'abashakanye mu bipimo bingana cyangwa bice bimwe. Ariko birakenewe kubyumva muribi bihe byombi abashakanye bazakenera uruhushya rwumuryango winguzanyo kugirango ukoreshe nkaya hamwe ninzu yinguzanyo.
Iyo abashakanye mbere yo gushyingirwa cyangwa mu bukwe, amasezerano yo gushyingirwa yashojwe, ubwo inzu ijya mu ingwate igabanijwemo amasezerano y'ubukwe.
Rero, Mono itanga algonithm ikurikira rwibikorwa ku gice cyizuba mugihe cyo gutandukana. Mbere ya byose, birakenewe kurangiza amasezerano yo gukemura ku igabana ry'umutungo rusange n'umutungo w'inguzanyo. Noneho ubutane bwanditswe ku mugaragaro, nyuma yabashakanye bavuzwe mu kigo cy'inguzanyo hamwe n'amasezerano y'inguzanyo ndetse n'icyemezo cyo gutandukana, ndetse n'inyandiko ku bijyanye n'umugore we n'umugore we mu mwaka ushize.
Niba banki yemeye amasezerano yisi yose yabashakanye, ibyangombwa bishya byinguzanyo byateguwe - haba amasezerano yinguzanyo kubashakanye bakomeje kuba inzu kandi bafata inshingano kubishyurwa kwishyurwa, cyangwa amasezerano abiri yinguzanyo kubashakanye bombi niba Komeza kwishyura inguzanyo hamwe.
Ibintu bitandukanye nigice cyurugo rwinguzanyo mugutandukana kubijyanye nabana bato. Muri ibi bihe, urukiko, nk'ubutegetsi, rusiga igice kinini cy'inzu y'abashakanye hamwe na bo
Bana bato. Ariko muriki gihe, ubwinshi bwishyurwa ku nguzanyo naryo bugomba kwishyura abashakanye bazabona amazu menshi. Birakwiye kandi kwibuka ko kuba hari umwana utazafatwa nkikintu kibuza gushyuka umwenda mugihe habaye impaka zo kwishyura ku nguzanyo yinguzanyo.
Niba umwe mubashakanye cyangwa abashakanye bombi bahagaritse kwishyura inguzanyo yinguzanyo, hanyuma banki irabigaragaza ngo igurishwa. Muri uru rubanza, uburyo busanzwe bwo gushyira mu bikorwa umutungo washyizwemo bimaze kubamo. Niba nyuma yo kugurisha inzu hari uburyo bwose hejuru yishyuza Banki kubwimpano zimpanuka, bangana nigipimo cyimibare iri hagati yabahoze ari abashakanye.
Birumvikana ko igice cy'umutungo, harimo n'inzu y'inguzanyo, bisaba uruhare rw'umunyamategeko wujuje ibisabwa cyangwa umunyamategeko uzafasha kurengera uburenganzira bwabo n'inyungu zemewe n'amategeko na banki cyangwa undi mwashakanye.