Iibhokisi zentlawulo ekhuselekileyo. Ukuqasha iselnki yebhanki

Iiseli ezikhuselekileyo ziindawo ezincinci apho umntu angakwazi ukufihla emehlweni abantu izinto ezimele ixabiso elithile kuye. Ziyintoni na? Ziziphi iziqinisekiso ozikhuphayo? Ziziphi iimpawu xa ziyalelwe ukuba zikhona? Yonke le micimbi iya kuqwalaselwa ngathi kwisikhokelo sale nqaku.

Abaphambili

Iifomethi zithintela ukuthandwa ngabantu bekhaya. Ngokuqinisekileyo, akukho nto, nakweyiphi na imeko enokuthi sinokuqinisekisa ngokupheleleyo ukhuseleko lwezinto. Kodwa ukuba ngaba i-insured, kwimeko yebhanki kuya kuba lula ukufumana imali elinganayo. Siza kuthetha ngakumbi ngale nto kamva. Kufuneka kwakhona kuqatshelwe ukuba iseli kwibhanki ingaboneleli ngokukhawuleza, kodwa ukhuseleko lomlilo. Kwakhona, xa uhlaziya kwakhona ikhaya lakho, akudingeki ucinge malunga nokuba uhamba phi ukhuseleko. Kwakhona, iseli kwibhanki idla ngokuphindaphindiweyo kwezimbini, ukuvumela ukuba kulungele ukulwa nje kuphela, kodwa kunye neentlekele ezahlukeneyo ezifana nomlilo.

Ukuthenjwa kunye nokukhululeka kokusetyenziswa

Iifom yeesefu kwiibhanki zihlangabezane neemfuno zemo lobugcisa, ngaphandle kwalokhu, iziko lemali liya kuhlawulwa. Kwakhona, inzuzo ebalulekileyo yintlangano yokukhusela ibhanki. Ngoko, ingxaki enkulu kubangenayo ingaba igumbi elihlukileyo, apho iiseli zikhona, kunye nelokuba kwimeko apho i-unit response response will be called.

Kananjalo ekukholiseni ukunyaniseka kuthi amabhanki achaza ukusebenzisa izitshixo ezikhethekileyo (nangona izinto ziyenyani - asenzi ukugweba). Ngoko ke, ukuvula iseli lomnye umntu kubasebenzi abangahlambulukanga kunye nokudala ukubonakala kokusemthethweni akuyi kusebenza. Kwakhona kubalulekile ukuba ukhethe ukugcina ubungakanani obufunekayo bento, bonise ixesha lokuqeshisa kwayo, kwaye, ukuba unqwenela, unakekele ukufikelela kunoma ubani ofuna. Iifom zentlawulo zingaphinda zibe phantsi kwesivumelwano sesithathu. Kwiimeko ezinjalo, iseli inokuvulwa kuphela ukuba ngaba bobabini abalingani abakho. Kwakhona kunokwenzeka ukuyila iseli kwiqumrhu lomthetho. Oku kuya kuhlawula ngexabiso le shishini, kwaye ukufikeleleka kuya kufumaneka kuphela kulabo baqeshwa abaye baqokwa njengama- trustees ngaphambili. Kwakhona, kukho imimandla yeesayinithi zabo. Ngaloo ndlela, kunokwenzeka ukukhusela ukungena ngemvume okungagunyazisiweyo kumaxwebhu abaluleke kakhulu.

Kubiza malini ukukhupha ibhokisi yepositi ekhuselekileyo?

Ibhanki isetya ixabiso ngokusekelwe kwiindleko zayo, kodwa ngokubanzi kunokwenzeka ukufumana uluhlu apho amaninzi amaziko emali asebenza khona. Ngoko, oku malunga nama-ruble ama-40-50 ngosuku (iseli ejoliswe ekugcineni amaxwebhu). Ukuze ungahambi kwinqaba kwaye uqikelele kwiziko lekhofi, masibuyele kwiziko elikhulu lezezimali - eli li-Sberbank liya kusinceda. Iiseli ezikhuselekileyo zilungelelaniswe kwimiba engentla. Ukuba abanako ukuwanelisa ngobungakanani babo, eli liziko lemali liqeshisa ukhuseleko lonke! Enyanisweni, zineendleko kwaye ezihambelanayo-ziqala ukusuka kuma-ruble angama-100 ngosuku olunye, kodwa ubungakanani bunjalo phantse konke okufunekayo, kuya kufanelana.

Usesho

Nangona kukho ixabiso elibonakalayo eliphezulu, kunzima ukufumana iiseli ezikhuselekileyo ezingaphephile. EMoscow, eRyazan, eSt. Petersburg, iVladivostok, iTver - kuya kuba nzima ukufika kwesebe lokuqala lebhanki kwaye kulungiselelwe ukugcinwa kwamancinci. Ngako oko, ukufumaneka kokufikelela kude kuya kwaziwa. Kuqulethwe kukuba umntu ofuna ukufaka iibhokisi kwiinjongo zawo uxoxisana nenkonzo yenkxaso yeziko lemali kwaye unikezelwa ngolwazi malunga nokuba ungasebenzisa le nkonzo. Kwaye amasebe achazwe ngokuxhomekeka kwindlela ukhululekile ngayo umthengi ukuba afike kuyo ukuze ahlole i-contents okanye ayiphathe.

Bhanki banikezela abathengi babo?

Kanye kunye ne-repository, abathengi banikezelwa ngamathuba athile. Ukuqwalasela ukuba yintoni, i-depository yeSberbank iya kusinceda:

1. Iiseli zifumaneka kwigumbi elinesakhelwe ngokufanelekileyo kulo msebenzi.
2. I-depositary ineendlela ezininzi zokukhusela, kunye nezokhuseleko zeeyure ezingama-24.
3. Iiseli zikhuselekile ngobukhulu obuhlukahlukeneyo, ezifihliweyo kwikhabhinethi eneentonga.
4. Unokukhetha ubukhulu bokugcina, kuxhomekeke kwizidingo zakho nokuzimisela ukuhlawula.
5. Kukho inkqubo eguquguqukayo yezaphulelo-ngoko, ixesha elide ixesha leseli liqeshwe ngayo, akukho mfuneko yokuhlawula.
6. Kukho indlela ekhethekileyo yokugcina umbutho ukukhuphela ukufikelela kwiimilinganiselo zamalungu esithathu kwiimpawu ezisebhankini (ikhuselwe nakwabasebenzi beziko lemali).
7. Ngethuba lokutsalwa kwexabiso kwiiseli kukho umnikazi kuphela wokugcina imfihlo. Kulo mgaqo, kukho izikhetho ezinxulumene ne-inshurensi, esiza kuthetha ngayo emva kancinci.
8. Ukhuseleko luvulwe kuphela ukuba izitshixo ezimbini zisetyenziswa ngexesha elifanayo. Omnye wabo ufumaneka kwibhanki yabathengi, kwaye okwesibini - umqeshwa.

Yilokho i-depositor yeSberbank. Kwaye masikele ingqalelo kwinombolo 7.

Izixhobo

Njengomthetho, iiseli zebhanki zisetyenziselwa ukugcina izinto ezixabisekileyo. Nangona kungenzeka ukuba bayalelwe ukuba bagcine imali efihliweyo kwinkonzo yerhafu. Yiba njengoko kunjalo, iziqulatho zeeseli zihlala zifakwa kuyo ngasese. Kodwa nakubakho kukho ngaphandle.

Ngoko, ukuba kukho into exabisekileyo apho ungafuni ukulahlekelwa, ke kunokukho ngaphandle. Ngokomzekelo, ummeli womshuwalense owenza umsebenzi wakhe ukuqinisekisa ukuba umthengi ubeke into apho ekhuselekile. Yaye inyaniso yokuba le yintsusa, ayiyiyo inkohliso. Kwakhona, ukwenzela ukulawula ukutyelela kwakho kwaye ugweme ukulahlekelwa "okungalindelekanga" kwezinto, ukutyelela kuya kubhalwa ngumqeshwa onoxanduva lwebhanki. Oku, njengomthetho, kubhekisela kumatyala apho umntu efuna ukugcina "ubucwebe" bezinto ezixabisekileyo kuye (kwiimeko ezinjalo, ukulimala kokuziphatha kuqinisekisiwe).

Yintoni egcinwe kwiiseli ezikhuselekileyo?

Njengomthetho, lawa maxwebhu, iigrafu, i-securities, imali, imisebenzi yobugcisa, iifoto - ngelizwi konke okunika ixabiso kumntu onomnqweno wokufihla. Kukho uluhlu lwezinto ezingenakugcinwa kwiiseli ezikhuselekileyo. Njengomthetho, oku kuthetha izixhobo, iziyobisi, ukutya okunokutsha (njengentlanzi okanye inyama). Ngokwemigaqo yeebhanki, abanalo ilungelo lokuqinisekisa okokufundwayo kwinto yokubeka. Kodwa ngomntu ngamnye inkontileka iqukunjelwe, echaza ukuba akukho nto ayikho mthethweni kwaye ingavunyelwe yimithetho yeziko lemali kwindawo ephephile. Ukuze "ukhuthaze" ukwenza ngokwemiqathango, njengommiselo, kuboniswe ukuba xa kwenzeka ukuphulwa kwesivumelwano, isixa esiphezulu sesohlwayo siya kuhlawulwa kumthengi, inani lalo lihluka ukusuka kumashumi ukuya kumawaka ngamawaka eeruble, kwaye oku kuhambelana nezo zipofu ezifumanekayo kubemi abaqhelekileyo.

Ukufikelela ngabantu abangagunyaziswanga

Ngokwesiko, eli gatya linokuhlulwa libe ngamacandelo amathathu:

1. Ukufikelela kubantu abathembekileyo. Oku kuthetha ukuba umntu ohlawula ikhuselekile wenza umqulu othi, ngaphandle kwakhe, ukufikelela kwiseli kunoluhlu oluthile lwabantu abathintekayo. Kwakhona, imimiselo yokwamkelwa kunye nenani leenqununu ezincinci linokumiselwa.
2. Ukufikelela kwabasebenzi beebhanki. Nangona bokuba banesicatshulwa esisodwa, ukuba umthengi ulahlekelwe nguye, indlela yodwa yokufikelela kwiseli ukuyidiba. Ngokuqhelekileyo, le nkqubo kukuba idilesi ekhethekileyo ibizwayo, leyo leyo, kunye nomqeshwa kunye nomnini wezinto ezibhalwe kuyo, ukubetha i-lock (ingaphantsi kaninzi i-saw itself).
3. Ukufikelela egameni lomthetho. Olu khetho luquka ukulungiswa kwesivumelwano esithile kunye nenkampani ethile, echaza ukuba inani labantu liyakwazi ukufikelela kwi-depository. Ngokuqhelekileyo olu khetho lusetyenziswa ngokumalunga namaxwebhu abalulekileyo ekusebenzeni kwenkampani. Abo bafikeleleko bavame ukumiselwa ngumlawuli, iphini lakhe, i-accountant-chief, kunye nabanye abantu.

Yintoni ummi kufuneka ahlawule iseli?

Ukuba iyalwe ngumntu, ngoko uxwebhu olubonisa ubungqina luya kukwanela, kunye neyona ntetho yesatifiketi kwisabelo sombolo yokuchongwa kwabahlawuli berhafu. Ukuhlawula iseli kuyimfuneko kamva emva kokuba isayinwe isayinwe. Ukuba kukho isivumelwano esenziwa egameni lomthetho, kufuneka ukuba ube neikopi zesatifikethi sokubhaliswa koburhulumente, iimpepha ezisemthethweni (ngokuqinisekileyo nazo zonke izongezo kunye nezinguqu), iingxelo zokungena kwirejista enye, kunye nexwebhu eliqinisekisa igunya lomntu elibonisa isivumelwano.