Imibutho Credit: iimeko zemboleko, amaxwebhu

iimanyano Credit ziye zithandwa kakhulu ngaphambili yaye abazange isantya isantya kwaye ngoku. Noko ke, asingabo bonke ubolekayo okuqonda ngokupheleleyo ukuba oku ngophuhliso kunye nendlela eyahluke ebhankini oluqhelekileyo. Zombini ezi ndlela yokukhupha mboleko, kodwa bohluke kuzo ngokupheleleyo.

Injongo yale umbutho wetyala

Okokuqala kufuneka uqonde ukuba iimanyano ngetyala, ookopolotyeni ngetyala okanye iibhanki zentsebenziswano bengengabo imibutho zorhwebo. Esi sakhiwo Ongayinikeliyo umsebenzi kwi ingeniso evela yokukhutshwa ngetyala. Credit Union inika inkxaso-mali kwabo bafuna uncedo kwaye amalungu oluntu. Ukungena imanyano enjalo ingaba kuba nabani na, ukuba nje iimbono zakhe ungqamene umgaqo lwentlalo emanyeneyo. Ngokomzekelo, amalungu emibutho lekhredithi kuba abasebenzi benkampani ethile, abahlali kummandla okanye abantu ababelana amkhanuke enye.

Umgaqo nokusebenza umbutho wetyala

iimanyano Credit zithandwa kwi 90. Nokuba imeko yezoqoqosho, le mibutho azifani uzinzo. Imali yesibambiso ikhule ngokuthe chu, ngoko nxaxheba bangavele ukubala kwi mboleko entle.
Okwangoku eRashiya kukho ngaphezulu kwe 2500 nemibutho ngetyala. Isizathu sokuba ithandwa omkhulu onjalo lula ngokuboleka imali encinane ukuba ayifuni ngokubonelelwa iseti elikhulu amaxwebhu kunye njengepesenti yexabiso apho kutshiphu kakhulu kwibhanki zorhwebo.

Imisebenzi ye umbutho wetyala yindlela elula kakhulu kwaye kucacile ukuba nawuphi na umntu esitratweni, yaye ngoko ke itsala abantu. Umthathi-nxaxheba ngamnye uvumelekile ukwenza iidipozithi, ukuvumela silindele ukufumana ipesenti ethile. Ukuba kukho imfuneko enjalo, ngoko ke nxaxheba usenokucelwa ukuba ukunika kuye imali ematyaleni. Uninzi lwezikhalazo bagqiba iziphumo ezidibanisayo, kodwa kukho ukusekwa ethile wenzala. Isixa mali olunikwa umboleki, siya kwenziwa ukusuka kwimali yi abatyali, ukwenzela ukuba abe ufumana ipesenti ethile. Lilele imfihlelo ubukho olu hlobo leeyunithi.

Association of Unions Credit

Okwangoku iiyunithi ezininzi ngetyala kufuneka umnqweno ukujoyina yeemanyano op ngetyala. unxulumano olunjalo uncedo iimpawu kunye neenkonzo ezahlukeneyo ezijolise ekuphuculeni ukusebenza imisebenzi lwentsebenziswano ukukhawulezisa isantya sophuhliso yayo. Associations zamaziko credit kukho iintlobo-2:

1. LiBhunga leNgingqi - co-operatives, indawo apho buzinze kummandla omnye.
2. Union yeSizwe - umanyano kwemibutho credit indawo naphi eRashiya.

Union credit op - sisixhobo se imarike yeentengo zemboleko, ogama msebenzi kukuqinisekisa iimeko kakhulu ukhululekile kunye iqondo eliphezulu imveliso ngemfundo ngetyala. Ukudibanisa umbutho ivula ngetyala lwentsebenziswano ezongezelelweyo zemali kunye neminye imithombo, nto leyo inegalelo isisombululo iingxaki ezininzi abakwazi ukumelana union ekwanti ngetyala. Uluhlu lweenkonzo yi zahlukahlukene kakhulu kwaye kuxhomekeke kwiimfuno wobunye.

Iinkonzo ezibonelelwa yi kunxulumano amanyeneyo credit

Credit Union Association of practice ukunikeza:

• Iinkonzo Technical, ezithi aqondwe: entsebenziswano zoqeqesho ngetyala, ukukhuthazwa lwentsebenziswano emarikeni, kujongwe imiba enxulumene imisebenzi kunye nokulawulwa kwenkqubo lwentsebenziswano.
• Iinkonzo zemali - thethwano ezijoliswe computerization kwabasebenzi phantsi kwenkcitho amatyala kunye namacala kwingeniso op ngetyala, kwakunye nemiba dilesi enxulumene nolawulo inani lilonke iidipozithi yelizwe kwiqembu ngetyala.

Iimanyano amaziko zeentengo zemboleko uluhlu olubanzi namalungelo kunye noxanduva. Umzekelo, kunokwenzeka ukuba ukwaba yinxalenye kwemisebenzi Union:

• incedise ekuqwalaseleni naliphi na ilungu imicimbi wentsebenziswano karhulumente okanye igunya yamazwe ngamazwe;
• ukuphuculwa amaxwebhu zolawulo;
• uphuhliso lweenkonzo ezintsha;
• ukulawula imisebenzi op-nkonzo yeentengo zemboleko.

Ukongeza, credit entsebenziswano Union nokuphucula iinkqubo zemimandla kunye wesizwe uncedo-mali efanayo. I-Association uthembisa ukuba ukuqhuba umsebenzi wophando, umsebenzi ophambili yazo ukuze ufumane indlela entsha yokwenza ushishino.

Lo umbutho wetyala yahlukile ebhankini?

Umahluko omkhulu ye umbutho wetyala evela ebhankini:

1. Ngokungafaniyo iibhanki, iimanyano credit musa ukufuna ukwenza ingeniso ukusuka kubonelelo kwemali ngetyala.
2. Ngu nokusekwa kweenkonzo lwamatyala angagqithela zabelo kunye umxhasi kuphela emazantsi ibhange akukho izithintelo.
3. Imisebenzi ye Union ayikwazi kuqwalaselwa esidlangalaleni. Lo mbutho kunye sebenzisana abathengi kunye nezinye ngokusekelwe kobulungu, yinyama yabo a client.
4. ilungu umbutho wetyala kunokuba kuphela ngummi, umntu. Ngaphezu koko, kufuneka kumanyanisa uluntu mnye, ke bafanele ukuba sele beyiqhelile kunye nabanye. A indima ebaluleke kakhulu ngoku udlalwa nge kwemeko iyiyimbi ithetha uxanduva efanayo.
5. umbutho wetyala akakwazi esichengeni igalelo-zabelo. Ingeniso efunyenwe umbutho wetyala kufuneka isasazwe phakathi zabelo okanye mayibhekiswe iinkonzo atshiphu, oko kukuthi ukuba uguqulwe njengendlela ngempumelelo ngakumbi ukuhlangabezana neemfuno zamalungu womanyano.
6. Naluphi na utshintsho yelizwe kwiqembu zobalo ndivuseleleke kwamkelwa onke amalungu eemanyano zabasebenzi, abagcinisa eqolo, kunye nabasebenzi abasebenza.

Malunga i "New Credit Union"

Bank "Union Credit" is a joint-stock kwiziko zebhanki yorhwebo, impahla zabo lungumnatha, luthi kubizwa ngokuba eliphakathi-ubungakanani kakhulu. Eli ziko sele idlule ubhaliso lwaseburhulumenteni eMoscow. Wachaza kwiziko lemali ngokuyintloko ibekwe kwikomkhulu Russian.

Ukweyona umsebenzi ezichatshazelwe kakhulu ngokukhutheleyo ekuphuhliseni le nkampani zemboleko, ziquka:

• ulungiselelo mboleko ebhankini ukuze lweeklayenti ezikushishino;
• Ukuphunyezwa kwe-akhawunti zebhanki amaqumrhu asemthethweni;
• ukukhulisa imali abemi Russian ngokusebenzisa needipozithi zebhanki.

Xa sincokola ngayo ishishini ngemiyinge emincinci, kunokuthiwa ukuba ibhanki "New Credit Union" kukuba kwinqanaba elisezantsi yophuhliso.

Wabaseki "Union Credit New"

JSCB "New Credit Union" na ibhanki yorhwebo amancinci abazibandakanya uboleka nenkonzo akhawunti corporate. Kuphuhliso loshishino othenge ebhankini Oku engaganwanga, isiseko zokusebenza iquka uninzi mali lwalo.

Wabaseki kwimfundo zemboleko, eyasekwa ngo-1994, la maziko alandelayo:

• Cjsc "Inntek";
• Cjsc "Thamsanqa";
• MP "Intelekom".

Ilungelo ukutsala iidipozithi "New Credit Union" ngo-2009.

iminikelo umbutho wetyala Taxation

Kuqikelelwa ukuba umbutho wetyala ezivunyiweyo yiBhodi zokusuphavayiza emele umdla wamalungu umbutho wetyala kwixesha phakathi kwintlanganiso jikelele. Uqikelelo kuyimfuneko ukwenzela ukuba akwazi ukucwangcisa ingeniso kunye nenkcitho amacala. Lo mthombo womvuzo - oko ke iminikelo kunye neenkcitho ziquka umxholo umbutho wetyala kunye nokuphunyezwa iinjongo ezimiselwe ngokomthetho, ngokusekelwe kwingeniso yabo elindelweyo.

Inqaku le-19 lomThetho kuxhomekeke kwiManyano Credit uthi impahla umbutho wetyala siquka: iintlawulo zokungena, iminikelo equity efunekayo, neminye iminikelo yamalungu umbutho wetyala (ngaphandle khona imali ifakwe kwi-akhawunti imali), iminikelo yesisa.

In n. 4 tbsp. 157 of the Code Tax uthi komnyango nemirhumo yogunyaziso, ungayikhetha uncedo na umbutho wetyala akanyanzelekanga ukuqokelela irhafu. Kulo mzekelo, iminikelo evela komnye umntu okanye iziko elisemthethweni kuxhuzulwa irhafu.

entry Intlawulo ukubuya xa eshiya op lamatyala singàphunyezwa, kwaye intlawulo yesabelo kunye nezinye iintlawulo kufuneka kwenziwe ngokungqinelana charter komdibaniso-nkonzo yeentengo zemboleko.

Ngomhla iimeko indalo

Credit op anokwenziwa kuphela xa kukho abantu ezingamashumi amahlanu ubuncinane umanyaniswe phawu eqhelekileyo. Union nganye entsha ngetyala kufuneka abanayo imali yayo, wabumba iifizi zokubhalisa-nxaxheba.

zabelo ngalinye linevoti enye, nto leyo akunakwenzeka ukuba ukwaphula okanye ukutshintsha, akukho nto ixhomekeke kubungakanani yentlawulo phantsi, okanye ukusuka ngexesha lokungena ukuya umbutho wetyala. Qala i ukwakheka efanayo nawuphi na umntu osayina union kufutshane, kwakunye lowo wacebisa ukuba ubuncinane enye nxaxheba. Ixesha ukuba akukho zithintelo.

Eyona engundoqo eziluncedo ze umbutho wetyala

Unxulumano enjalo zezona nomtsalane kuzo zonke iindlela zakho ekukhonzeni kumalungu kwikomkhulu iyonke, igcinwe. Kwimeko apho imfuneko amalungu emibutho lwamatyala ukubala ngetyala elihle ukuze kulungiswe ekuhlaleni, impilo, izindlu kunye nezinye iimfuno. Wonke ummi ebangele umbutho wetyala ifumana ipesenti elixelwe mnqophiso.

op lwamatyala kuthelekiswa ukusebenza yorhwebo yebhanki ukususela babelana imisebenzi efana kunye namandla. Kodwa kukho phakathi kwabo umahluko omkhulu, ezizezi injongo umsebenzi wale mibutho. Okokuqala inika iinkonzo zemali kwaye ebezingasukeli yenzuzo yemali, kwaye eyesibini ngqo zonke iinzame zabo ekwenzeni inzuzo.

Ziziphi Imirhumo kufuneka ahlawule ilungu sokubambisana ngetyala?

Yonke imibutho credit, imfuno abathengi ukusuka kwakhona ekungeneni-umthengi ukwenza imali, nto leyo yiya ku ahlawule:

• imali yobulungu - yokuzicamagushela ngemali yi-zabelo ngamnye ezintsha, yaye abantu belo ukuhlawula iindleko op lwamatyala nokuqinisekisa imisebenzi yayo rhoqo.
• Iphetshana imali. Le ntlawulo ifumaneka kuphela kwezinye iintsebenziswano. Ukuba le isibopho zicaciswa gca kule ezingummiselo, imali ehlawulwa ngumnini sabelo kukuba reissue la maxwebhu ukuba uguqule iphepha ekhoyo phezu neenkonzo zomthetho, njalo-njalo. D.
• Share igalelo - isixa semali, ajike abe impahla sokubambisana-nkonzo yeentengo zemboleko kunye efunekayo ukuze kuxhaswe imisebenzi ukubunjwa. Share igalelo isenokuba mandatory okanye ngokuzithandela.