Daftarin aiki na dabarun muhimmancin: wani tunani 2-rami na aro

Banking yi ya nuna cewa abokan ciniki ne alhakin shirya rajista na aro a gaba, ana duba yiwuwar duk cikakkun bayanai na gaba takalifi. Duk da haka, a mafi yawan lokuta da yanke shawara a kan wajibcin wajen samo aka dauka da mutane spontaneously - a ƙarƙashin rinjayar daban-daban m yanayi. Kuma saboda na aikin banki cibiyoyin ne ko da yaushe a shirye su ba, rance da taimakon 2-rami, shawara ya kamata a ba a gaba don neman wannan daftarin aiki a cikin lissafin kudi sashen. To, abin da yake a ɓõye, a karkashin wannan kudi ambatacce?

Form 2-rami: abin da shi ne da kuma abin da manufar da shi da ake bukata

The daftarin aiki da aka amince da oda na shugaban Tarayya Tax Service №MMB 7-3 / 611 daga 17.11.2010, da Wannan takardar shaidar, wanda aka bayar da ma'aikaci ma'aikaci asusun sanya hannu da shugaban ma'aikata, ko na biyu mafi muhimmanci na aikin - manyan akawu na kamfanin, shi ne a tabbatar da samun kudin shiga a zahiri samu su a cikin shekara da ta gabata.

Me taimaka 2NDFL? A kudi bayanai kunshe ne a cikin wannan daftarin aiki damar ma'aikata na rance sashen don nazarin solvency na wani m borrower, kuma zana a ƙarshe game da yiwuwar kara shawara na aro aikace-aikace.

Babban abun ciki na daftarin aiki

A takardar shaidar form 2-rami, ban da "fari" Hakkin, accrued ma'aikaci na sha'anin ga wani lokaci, nuna da wadannan:

• A IRS sashen lambar;
• ma'aikaci matsayi (mazaunin ko ba mazaunin).
• bayanan sirri na biyan haraji (biyan haraji ganewa lambar, ranar haihuwa, zama adireshin da bayanai game da halin yanzu fasfo).
• deductions bukata ma'aikaci (da irin).
• adadin kange kuma remitted for rahoto lokacin samun kudin shiga da haraji.

Abin da bayanai shi ne sha'awar a banki ta ma'aikata da fari?

FAQ 2-rami na aro ya sa ya yiwu su bincika, kuma kwatanta data tare da juna, da jerin wanda aka bai kasa.

1. A size na aikin hukuma wata-wata kudin shiga. Don lissafi da iyakar halatta ta bayar da rance da adadin da aka yawanci dauka da talakawan darajar Hakkin don takamaiman lokaci (yawanci - a kan na karshe watanni shida). A wasu lokuta, daga cikin jimlar adadin albashi deducted biyu dabi'u - da ƙaramar da kuma iyakar. Wasu bankunan ba la'akari kudi samu ta borrower a cikin wani aure domin (biyan bashin a kan kwangiloli, kudi taimako).

2. A adadin accrued, kange kuma biya zuwa haraji kasafin kudin. Bayani savanin a cikin wadanda sakin layi yawanci wary na ma'aikata na bashi cibiyoyin tsaro. Bankin ma'aikata iya yin ƙarin cak ta hanyar aika wani request ga karɓar haraji. Hilafa tsakanin data wanda ya nuna da reference 2-rami na aro, tare da Tarayya Tax Service na bayanai ga borrower iya haifar da rashin cin nasara, kuma ko da ya shiga cikin "black" list.

3. A gaban wani m borrower ta dogara (yara). Ma'aikaci Credit Department a cikin lissafi na solvency bukata la'akari duk mai nema ta 'yan uwa, a cikin ta software. Yawan yara ne yawanci a kayyade ta da abokin ciniki a cikin littafin tambayoyi, wanda aka cika da aiki na wani aro. Mark haihuwar yaro (Ren) za a iya samu a cikin fasfo na borrower. Duk da haka, wadannan bayanai ne ba ko da yaushe m. Tabbatar da bayanai da taimakon sashe 4 da sanarwa na albashi. Da ainihin adadin yara ne m da code cire: 114,115 da kuma 116.

A wasu lokuta, wannan daftarin aiki ba a bukata?

Jawabi "Lokacin da ka bukatar wani 2-rami?" Ya kamata a fara da zabi wani ma'aikata domin sabis. Yawanci ya dangana a kan ko da mai nema lokaci zuwa la'akari da banki ta bashi aikace-aikace. Bayan wani m bashi cibiyoyin da ake bukata domin neman wannan daftarin aiki da samun kudin shiga.

Duk da haka, da reference 2-rami na aro iya ba za a bukata idan mai nema ne mai karɓa daga Hakkin kan wani roba da katin na bankin a karkashin halin yanzu "albashi" aikin. A wannan yanayin, da bankin ma'aikaci daukan bayanai a kan ta samun kudin shiga daga asusun sanarwa.

Bayani a kan adadin talakawan wata-wata albashi ba za a bukata a yayin da wani abokin ciniki adireshin a daya daga cikin Rasha Microfinance cibiyoyin, wanda batun bashin da yawan jama'a. Sayi dukiya a kan bashi a kantin sayar da ma ba zai iya tabbatar da ainihin kudin shiga samu.

Rapid arziki na kudi aro ne a halin yanzu da hannu a cikin da yawa da kamfanoni da m lamuntawa. Duk da haka, ya kamata a lura da cewa ga sauƙi, kuma gudun rajista da irin wannan rance hiding tsananin girman inflated amfani rates.

Abin da ba a yi wa m bashi?

FAQ 2-rami na aro kamata kawai dauke da m bayani game da samun kudin shiga na nan gaba na borrower. Kamar yadda aka sani, a kasar a yanzu aiki da yawa kamfanonin miƙa ya ba da kudi ga "kyakkyawan" takardar shaidar wai samu kudin shiga. Amma ba saya a cikin wadannan kalamai m kungiyoyi. Idan bayanai don samar da bayanan karya a cikin shakka daga cikin banki ta tsaro sashen dubawa saukar, da borrower iya sa ran ba kawai rashin hadin kai, amma kuma da shigarwa a cikin jerin unreliable abokan ciniki.

Ya kamata dauki alhakin tarin na aro takardun. Good luck a harkokin kudi - duk tabbata ga ci!