Nice to see another comic so soon. I’m not sure if you can easily fix it, but in panel 7 there is a typo. “loose” should actually be “lose”, but it’s not a big deal.
well link might just be extending the o sound in lose. Im l”ooo”sing my appetite,
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Когда директор частного детского сада ЧУ ДО д/с «Чудесная страна» Наталья Георгиевна Таран 31 августа 2015 года объявила нам, родителям, что работа учреждения будет приостановлена в связи с требованием собственника здания, сначала испытала недоумение. После того, как директор предложила перевести детей в детский сад «Янтарный» (нам это неудобно), стала интересоваться и выяснила, у ЧУ ДО «Чудесная страна» была приостановлена лицензия на образовательную деятельность с 17 августа. Удивилась, поскольку оплатила директору за услуги в сентябре позднее данной даты, а она ничего не сказала.
Обидно и я решила поинтересоваться, что ещё скрывает от нас уважаемая администрация и провела небольшой анализ.
Официально в данном детском учреждении работают всего три человека: директор, главный бухгалтер и воспитатель. Но на проходной на Ивовой у охранника я видела список на 20 сотрудников, с некоторыми из них я общалась. Тем более, что посещают сад от 20 до 34 детей ежемесячно. Троим не справиться.
Официальная зарплата каждого их трех работников 144 тыс. руб. в год
(минимум для Москвы, он контролируется), не зависит от должности. В декларации 2014г. выручка детского сада около 1,2 млн, налоги – 87 тыс. руб.
Чтобы устроить ребенка в один из трех садов «Чудесной страны» нужно заплатить вступительный взнос 50тыс., далее 35 тыс. ежемесячно.
Моя подруга, бухгалтер, по моей просьбе оценила доходы и налоговые обязательства ЧУ ДО д/c Чудесная страна только от деятельности на ул. Ивовая, 8 при 25 детях и только 6-ти сотрудниках. Что имеем: годовая выручка – 11,3 млн руб., годовой фонд оплаты труда 2,88 млн руб. Соответственно учреждение должно заплатить 864 тыс. руб. в государственные социальные фонды, удержать с работников НДФЛ еще 374 тыс. руб. Также перечислить Единый налог в гос. фонды в сумме 339 тыс. руб. Таким образом налоговые обязательства за 2014 год в сумме более 1,2 млн руб. плюс НДФЛ в качестве налогового агента как работодатель.
Если вычесть из расчетной величины реально уплаченные налоги, разница составит более 1 млн руб., взятых у родителей и неуплаченных бюджету.
Все это наводит на мысли, что ситуация с ЧУ ДО д/c «Чудесная страна» выглядит сложнее, чем это кажется на первый взгляд.
Если организация не ведет в полном объеме бухгалтерской деятельности, постоянно занимается обманом, то как ей можно доверить наших детей? Что за люди в ней работают? Какое воспитание могут дать люди, занимающиеся обманом?
Теперь я лично боюсь такого детского сада. Ведь дети – самое святое в нашей жизни. Берегите своих детей.
Устройство детей в детский сад – остаётся одной из главных проблем родителей. Этот вопрос, наверное, никого не оставляет равнодушным и заслуживает особого внимания.
Я – мама ребёнка, на протяжении трёх лет посещавшего частный детский сад ЧУ ДО д/с «Чудесная страна», директором которого является Таран Наталья Георгиевна. Меня все вроде бы устраивало: свободный график посещений, удобное местоположение, обучение английскому языку.
В конце августа смотрела телевизионный сюжет на канале «Москва 24», а 31 августа 2015 года нам, родителям, объявили, что работа учреждения будет приостановлена в связи с требованием собственника здания. Тут же директор предложила перевести детей в детский сад «Янтарный» по Янтарному пр., 9.
Всё бы ничего, если бы не одно обстоятельство. Я выяснила, что у ЧУ ДО «Чудесная страна» была приостановлена лицензия на образовательную деятельность с 17 августа.
Сразу выяснилось, что у детского сада вообще никогда не было нормальных документов на пользование помещением в здании по адресу Ивовая, д. 8 и находились они там незаконно. Есть решение Арбитражного суда. Одновременно у меня есть договор на услуги ЧУ ДО до августа 2016 года. Отсюда и настоятельная просьба генерального директора всегда оплачивать наличными, о чем я раньше не задумывалась.
Далее, в штате компании только три сотрудника. Удивительно, как они одновременно ежедневно успевают работать в двух местах, а может и в трех (есть еще что-то на «Алтуфьевке»). Получается, что, все многочисленные сотрудники, которые мне известны, всегда обходительные и приветливые – банальные «нелегалы», работающие на добровольных началах или «за конверт».
Товарищи дорогие, какой спрос с таких сотрудников, которые юридически не отвечают не за какие ситуации с Вашим ребенком. Немного не по себе, когда думаешь о ЧП…
И еще. Уважаемая Наталья Георгиевна, не посчитала необходимым уведомить меня о приостановке лицензии, успешно взяв с меня деньги за сентябрь, в том числе за образовательные программы. Обманула во благо или просто обманула? Тут дело в нашей самооценке. Для меня – обманула. Множим на два, поскольку это касается наших детей.
Муж успокаивает – забудь, не самый страшный вариант, у нас везде так. А я не хочу, продолжаю думать…
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В жизни бывают различные ситуации, когда человек, будучи законопослушным гражданином, просто физически не может оплачивать взятые на себя долговые обязательства. Таких причин достаточно много: сокращение на работе, потеря трудоспособности и т.д., перечислять можно до бесконечности. Стоит заметить, что это весьма серьезные доводы для отсрочки платежей по кредитам и займам, и по закону банки обязаны пойти на встречу заёмщикам. Но есть граждане к которым относится Таран Наталья Георгиевна, она сознательно, без каких-либо на то веских причин, не платит по долгам. Об одном из них и пойдет речь в статье.
Для начала давай те определим, что обозначает термин – злостный неплательщик. Обратимся к уголовному кодексу Российской Федерации.
Итак, статья 177 УК РФ — Злостное уклонение от погашения кредиторской задолженности.
«Злостное уклонение руководителя организации или гражданина от погашения кредиторской задолженности в крупном размере или от оплаты ценных бумаг после вступления в законную силу соответствующего судебного акта – наказывается штрафом в размере до двухсот тысяч рублей или в размере заработной платы или иного дохода осужденного за период до восемнадцати месяцев, либо обязательными работами на срок до четырехсот восьмидесяти часов, либо принудительными работами на срок до двух лет, либо арестом на срок до шести месяцев, либо лишением свободы на срок до двух лет.»
Крупным размером, крупным ущербом, доходом либо задолженностью в крупном размере признаются стоимость, ущерб, доход либо задолженность в сумме, превышающей один миллион пятьсот тысяч рублей, особо крупным – шесть миллионов рублей.
Как видите, эта ответственность может грозить в том случае:
• Если сумма задолженности составила более полутора миллионов рублей.
• Если имеется судебное решение о выплате долга.
• Если имеет место так называемая «злостность» уклонения.
Злостность уклонения – это оценочное понятие, которое устанавливается судом в каждом конкретном случае с учетом всех обстоятельств дела.
Под злостным уклонением понимается систематическое (то есть два и более раза) уклонение от уплаты средств, присужденных по решению суда, т.е. повторение указанных действий (бездействия) после предупреждения, сделанного судебным приставом-исполнителем.
В качестве конкретных действий, представляющих собой злостное уклонение могут рассматриваться:
• Прямой отказ от уплаты;
• Сокрытие виновным своего действительного заработка;
• Смена работы или жительства с целью избежать удержаний по исполнительному листу;
• Смена фамилии, подделка документов и т.д.
В любом случае злостность характеризуется продолжительностью действий (уклонения), продолжением совершения действий (уклонения) после официального предупреждения.
После того, как мы разобрались с понятием «злостный неплательщик», можно и рассказать о нём, а точнее о ней.
Таран Наталья Георгиевна, уроженка города Одесса(УССР). В жизни весьма обаятельная и интеллигентная женщина, при встрече с которой никогда и не подумаешь, что перед вами злостный неплательщик. Но увы, решение судов говорят об обратном. Вот только небольшой перечень судебных решений:
Данные взяты из открытого источника( судебныерешения.рф http://xn--90afdbaav0bd1afy6eub5d.xn--p1ai/bsr/case/21814)
Краткое содержание.
ИМЕНЕМ РОССИЙСКОЙ ФЕДЕРАЦИИ
24 февраля 2011 года г. Москва
Савеловский районный суд г. Москвы в составе председательствующего судьи Адамовой Т.Ю., при секретаре Баскаковой И.В., рассмотрев в открытом судебном заседании гражданское дело №2-2123/11 по иску ОАО «Нордеа Банк» к Таран Александру Александровичу, Таран Наталье Георгиевне о взыскании денежных средств по кредитному договору…
…
Исковые требования ОАО «Нордеа Банк» – удовлетворить.
Взыскать солидарно с Таран Александра Александровича и Таран Натальи Георгиевны в пользу Открытого акционерного общества «Нордеа Банк» денежные средства по кредитному договору в сумме 841 853 рубля 83 копейки, в возврат госпошлины 11 618 рублей 54 копейки, а всего взыскать 853 472 рубля 37 копеек.
На решение может быть подана кассационная жалоба в Судебную коллегию по гражданским делам Московского городского суда через Савеловский районный суд г . Москвы в течение 10 дней со дня принятия решения судом в окончательной форме.
Данные взяты из открытого источника(официальный сайт ФССП http://fssprus.ru/iss/Ip)
Краткое содержание.
Должник: Таран Наталья Георгиевна, дата рождения — 15.02.1959, место рождения –г. Одесса
Исполнительное производство:12316/13/29/77 от 23.04.2013
Исполнительный лист от 22.02.2013 № ВС № 011074549 БАБУШКИНСКИЙ РАЙОННЫЙ СУД Г.МОСКВЫ
Обращение взыскания на заложенное имущество: 8068348.31 руб.
Отдел судебный приставов: Бабушкинский ОСП 129347, г. Москва, Югорский проезд, д. 22. стр. 1
Судебный пристав исполнитель: Бурьянов М.В. 74995581628
Должник: Таран Наталья Георгиевна, дата рождения — 15.02.1959, место рождения –г. Одесса
Исполнительное производство: 31603/13/29/77 от 28.06.2013
Исполнительный лист от 16.04.2013 № ВС № 011097913 БАБУШКИНСКИЙ РАЙОННЫЙ СУД Г.МОСКВЫ
Задолженность по кредитным платежам (кроме ипотеки): 719442.02 руб.
Отдел судебный приставов: Бабушкинский ОСП 129347, г. Москва, Югорский проезд, д. 22. стр. 1
Судебный пристав исполнитель: ЕГОШИНА Ю. В. 74995830472
Должник: Таран Наталья Георгиевна, дата рождения — 15.02.1959, место рождения –г. Одесса
Исполнительное производство: 209821/14/77029-ИП от 10.12.2014
Акт органа, осуществляющего контрольные функции от 20.11.2014 № 08731490128625
ГУ-ГУ ПФР РФ № 6 ПО Г. МОСКВЕ И МОСКОВСКОЙ ОБЛАСТИ
Страховые взносы, включая пени: 37050.51 руб.
Отдел судебный приставов: Бабушкинский ОСП 129347, г. Москва, Югорский проезд, д. 22. стр. 1
Судебный пристав исполнитель: МОСИН А. А.+7(499)583-04-70
Должник: Таран Наталья Георгиевна, дата рождения — 15.02.1959, место рождения –г. Одесса
Исполнительное производство: 187434/15/77029-ИП от 09.09.2015
Исполнительный лист от 11.08.2015 № ФС003469240
МЕЩАНСКИЙ РАЙОННЫЙ СУД
Задолженность: 134043.51 руб.
Отдел судебный приставов: Бабушкинский ОСП 129347, г. Москва, Югорский проезд, д. 22. стр. 1
Судебный пристав исполнитель: КУВШИНОВ П. К. 8 (499) 583-04-70
Должник: Таран Наталья Георгиевна, дата рождения — 15.02.1959, место рождения –г. Одесса
Исполнительное производство: 191649/15/77029-ИП от 05.10.2015
Исполнительный лист от 07.07.2015 № ФС№ 003547117
БАБУШКИНСКИЙ РАЙОННЫЙ СУД
Задолженность по кредитным платежам (кроме ипотеки): 405991.70 руб.
Отдел судебный приставов: Бабушкинский ОСП 129347, г. Москва, Югорский проезд, д. 22. стр. 1
Судебный пристав исполнитель: ЕГОШИНА Ю. В. 74995830472
Общей долг «порядочной» гражданки Таран Натальи Георгиевны составляет 10218348.4 рублей. И прошу заметить, это только обнародованные данные.
Но не смотря на все невзгоды, Наталья Георгиевна не теряет бодрости духа, передвигаясь на иномарке премиум класса, да и еще с личным водителем. Надо отметить, что Таран Н.Г. является успешным предпринимателем и активно развивает свои бизнес-проекты. Остается только надеяться, что Наталья Георгиевна хотя бы в бизнесе ведет себя честно и порядочно по отношению к своим партнерам.
Итак, кто же это? Законопослушная гражданка или злостная неплательщица? Попробуем разобраться…
1. Общая сумма задолженностей составляет 10218348.4, что является задолженностью в особо крупном размере.
2. Есть как минимум шесть судебных решений о взыскание долга с Таран Натальи Георгиевны.
3. Имеет место так называемая «злостность» уклонения, то есть систематическое уклонение от уплаты средств, присужденных по решению суда.
Из все этого можно сделать вывод, что Таран Наталья Георгиевна является злостным неплательщиком и принципиально не выплачивает задолженности по займам и кредитам.
Что можно добавить… Для кого-то кредит или ипотека – единственный способ оплатить лечение в больнице или сменить невыносимые условия проживания, а для кого-то это отличный способ легкой наживы. Моральные принципы им чужды. Брать чужое и не отдавать стало образом жизни.
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Когда директор частного детского сада ЧУ ДО д/с «Чудесная страна» Наталья Георгиевна Таран 31 августа 2015 года объявила нам, родителям, что работа учреждения будет приостановлена в связи с требованием собственника здания, сначала испытала недоумение. После того, как директор предложила перевести детей в детский сад «Янтарный» (нам это неудобно), стала интересоваться и выяснила, у ЧУ ДО «Чудесная страна» была приостановлена лицензия на образовательную деятельность с 17 августа. Удивилась, поскольку оплатила директору за услуги в сентябре позднее данной даты, а она ничего не сказала.
Обидно и я решила поинтересоваться, что ещё скрывает от нас уважаемая администрация и провела небольшой анализ.
Официально в данном детском учреждении работают всего три человека: директор, главный бухгалтер и воспитатель. Но на проходной на Ивовой у охранника я видела список на 20 сотрудников, с некоторыми из них я общалась. Тем более, что посещают сад от 20 до 34 детей ежемесячно. Троим не справиться.
Официальная зарплата каждого их трех работников 144 тыс. руб. в год
(минимум для Москвы, он контролируется), не зависит от должности. В декларации 2014г. выручка детского сада около 1,2 млн, налоги – 87 тыс. руб.
Чтобы устроить ребенка в один из трех садов «Чудесной страны» нужно заплатить вступительный взнос 50тыс., далее 35 тыс. ежемесячно.
Моя подруга, бухгалтер, по моей просьбе оценила доходы и налоговые обязательства ЧУ ДО д/c Чудесная страна только от деятельности на ул. Ивовая, 8 при 25 детях и только 6-ти сотрудниках. Что имеем: годовая выручка – 11,3 млн руб., годовой фонд оплаты труда 2,88 млн руб. Соответственно учреждение должно заплатить 864 тыс. руб. в государственные социальные фонды, удержать с работников НДФЛ еще 374 тыс. руб. Также перечислить Единый налог в гос. фонды в сумме 339 тыс. руб. Таким образом налоговые обязательства за 2014 год в сумме более 1,2 млн руб. плюс НДФЛ в качестве налогового агента как работодатель.
Если вычесть из расчетной величины реально уплаченные налоги, разница составит более 1 млн руб., взятых у родителей и неуплаченных бюджету.
Все это наводит на мысли, что ситуация с ЧУ ДО д/c «Чудесная страна» выглядит сложнее, чем это кажется на первый взгляд.
Если организация не ведет в полном объеме бухгалтерской деятельности, постоянно занимается обманом, то как ей можно доверить наших детей? Что за люди в ней работают? Какое воспитание могут дать люди, занимающиеся обманом?
Теперь я лично боюсь такого детского сада. Ведь дети – самое святое в нашей жизни. Берегите своих детей.
Устройство детей в детский сад – остаётся одной из главных проблем родителей. Этот вопрос, наверное, никого не оставляет равнодушным и заслуживает особого внимания.
Я – мама ребёнка, на протяжении трёх лет посещавшего частный детский сад ЧУ ДО д/с «Чудесная страна», директором которого является Таран Наталья Георгиевна. Меня все вроде бы устраивало: свободный график посещений, удобное местоположение, обучение английскому языку.
В конце августа смотрела телевизионный сюжет на канале «Москва 24», а 31 августа 2015 года нам, родителям, объявили, что работа учреждения будет приостановлена в связи с требованием собственника здания. Тут же директор предложила перевести детей в детский сад «Янтарный» по Янтарному пр., 9.
Всё бы ничего, если бы не одно обстоятельство. Я выяснила, что у ЧУ ДО «Чудесная страна» была приостановлена лицензия на образовательную деятельность с 17 августа.
Сразу выяснилось, что у детского сада вообще никогда не было нормальных документов на пользование помещением в здании по адресу Ивовая, д. 8 и находились они там незаконно. Есть решение Арбитражного суда. Одновременно у меня есть договор на услуги ЧУ ДО до августа 2016 года. Отсюда и настоятельная просьба генерального директора всегда оплачивать наличными, о чем я раньше не задумывалась.
Далее, в штате компании только три сотрудника. Удивительно, как они одновременно ежедневно успевают работать в двух местах, а может и в трех (есть еще что-то на «Алтуфьевке»). Получается, что, все многочисленные сотрудники, которые мне известны, всегда обходительные и приветливые – банальные «нелегалы», работающие на добровольных началах или «за конверт».
Товарищи дорогие, какой спрос с таких сотрудников, которые юридически не отвечают не за какие ситуации с Вашим ребенком. Немного не по себе, когда думаешь о ЧП…
И еще. Уважаемая Наталья Георгиевна, не посчитала необходимым уведомить меня о приостановке лицензии, успешно взяв с меня деньги за сентябрь, в том числе за образовательные программы. Обманула во благо или просто обманула? Тут дело в нашей самооценке. Для меня – обманула. Множим на два, поскольку это касается наших детей.
Муж успокаивает – забудь, не самый страшный вариант, у нас везде так. А я не хочу, продолжаю думать…
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Злостный неплательщик, как образ жизни…
В жизни бывают различные ситуации, когда человек, будучи законопослушным гражданином, просто физически не может оплачивать взятые на себя долговые обязательства. Таких причин достаточно много: сокращение на работе, потеря трудоспособности и т.д., перечислять можно до бесконечности. Стоит заметить, что это весьма серьезные доводы для отсрочки платежей по кредитам и займам, и по закону банки обязаны пойти на встречу заёмщикам. Но есть граждане к которым относится Таран Наталья Георгиевна, она сознательно, без каких-либо на то веских причин, не платит по долгам. Об одном из них и пойдет речь в статье.
Для начала давай те определим, что обозначает термин – злостный неплательщик. Обратимся к уголовному кодексу Российской Федерации.
Итак, статья 177 УК РФ — Злостное уклонение от погашения кредиторской задолженности.
«Злостное уклонение руководителя организации или гражданина от погашения кредиторской задолженности в крупном размере или от оплаты ценных бумаг после вступления в законную силу соответствующего судебного акта – наказывается штрафом в размере до двухсот тысяч рублей или в размере заработной платы или иного дохода осужденного за период до восемнадцати месяцев, либо обязательными работами на срок до четырехсот восьмидесяти часов, либо принудительными работами на срок до двух лет, либо арестом на срок до шести месяцев, либо лишением свободы на срок до двух лет.»
Крупным размером, крупным ущербом, доходом либо задолженностью в крупном размере признаются стоимость, ущерб, доход либо задолженность в сумме, превышающей один миллион пятьсот тысяч рублей, особо крупным – шесть миллионов рублей.
Как видите, эта ответственность может грозить в том случае:
• Если сумма задолженности составила более полутора миллионов рублей.
• Если имеется судебное решение о выплате долга.
• Если имеет место так называемая «злостность» уклонения.
Злостность уклонения – это оценочное понятие, которое устанавливается судом в каждом конкретном случае с учетом всех обстоятельств дела.
Под злостным уклонением понимается систематическое (то есть два и более раза) уклонение от уплаты средств, присужденных по решению суда, т.е. повторение указанных действий (бездействия) после предупреждения, сделанного судебным приставом-исполнителем.
В качестве конкретных действий, представляющих собой злостное уклонение могут рассматриваться:
• Прямой отказ от уплаты;
• Сокрытие виновным своего действительного заработка;
• Смена работы или жительства с целью избежать удержаний по исполнительному листу;
• Смена фамилии, подделка документов и т.д.
В любом случае злостность характеризуется продолжительностью действий (уклонения), продолжением совершения действий (уклонения) после официального предупреждения.
После того, как мы разобрались с понятием «злостный неплательщик», можно и рассказать о нём, а точнее о ней.
Таран Наталья Георгиевна, уроженка города Одесса(УССР). В жизни весьма обаятельная и интеллигентная женщина, при встрече с которой никогда и не подумаешь, что перед вами злостный неплательщик. Но увы, решение судов говорят об обратном. Вот только небольшой перечень судебных решений:
Данные взяты из открытого источника( судебныерешения.рф http://xn--90afdbaav0bd1afy6eub5d.xn--p1ai/bsr/case/21814)
Краткое содержание.
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24 февраля 2011 года г. Москва
Савеловский районный суд г. Москвы в составе председательствующего судьи Адамовой Т.Ю., при секретаре Баскаковой И.В., рассмотрев в открытом судебном заседании гражданское дело №2-2123/11 по иску ОАО «Нордеа Банк» к Таран Александру Александровичу, Таран Наталье Георгиевне о взыскании денежных средств по кредитному договору…
…
Исковые требования ОАО «Нордеа Банк» – удовлетворить.
Взыскать солидарно с Таран Александра Александровича и Таран Натальи Георгиевны в пользу Открытого акционерного общества «Нордеа Банк» денежные средства по кредитному договору в сумме 841 853 рубля 83 копейки, в возврат госпошлины 11 618 рублей 54 копейки, а всего взыскать 853 472 рубля 37 копеек.
На решение может быть подана кассационная жалоба в Судебную коллегию по гражданским делам Московского городского суда через Савеловский районный суд г . Москвы в течение 10 дней со дня принятия решения судом в окончательной форме.
Данные взяты из открытого источника(официальный сайт ФССП http://fssprus.ru/iss/Ip)
Краткое содержание.
Должник: Таран Наталья Георгиевна, дата рождения — 15.02.1959, место рождения –г. Одесса
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Обращение взыскания на заложенное имущество: 8068348.31 руб.
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Должник: Таран Наталья Георгиевна, дата рождения — 15.02.1959, место рождения –г. Одесса
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Отдел судебный приставов: Бабушкинский ОСП 129347, г. Москва, Югорский проезд, д. 22. стр. 1
Судебный пристав исполнитель: ЕГОШИНА Ю. В. 74995830472
Должник: Таран Наталья Георгиевна, дата рождения — 15.02.1959, место рождения –г. Одесса
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Должник: Таран Наталья Георгиевна, дата рождения — 15.02.1959, место рождения –г. Одесса
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Отдел судебный приставов: Бабушкинский ОСП 129347, г. Москва, Югорский проезд, д. 22. стр. 1
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Общей долг «порядочной» гражданки Таран Натальи Георгиевны составляет 10218348.4 рублей. И прошу заметить, это только обнародованные данные.
Но не смотря на все невзгоды, Наталья Георгиевна не теряет бодрости духа, передвигаясь на иномарке премиум класса, да и еще с личным водителем. Надо отметить, что Таран Н.Г. является успешным предпринимателем и активно развивает свои бизнес-проекты. Остается только надеяться, что Наталья Георгиевна хотя бы в бизнесе ведет себя честно и порядочно по отношению к своим партнерам.
Итак, кто же это? Законопослушная гражданка или злостная неплательщица? Попробуем разобраться…
1. Общая сумма задолженностей составляет 10218348.4, что является задолженностью в особо крупном размере.
2. Есть как минимум шесть судебных решений о взыскание долга с Таран Натальи Георгиевны.
3. Имеет место так называемая «злостность» уклонения, то есть систематическое уклонение от уплаты средств, присужденных по решению суда.
Из все этого можно сделать вывод, что Таран Наталья Георгиевна является злостным неплательщиком и принципиально не выплачивает задолженности по займам и кредитам.
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