Ndingalufumana phi ingxelo yengeniso: ukulandelelana izenzo

Xa usenza isicelo semali-mboleko, uncedo loluntu, inkamnkam kunye ibalwa kwezinye iimeko ezininzi, iphakheji amaxwebhu angeniswe kufuneka ibandakanye ingxelo yengeniso. Ibonisa umgangatho imivuzo yabantu, yokuhlawula amatyala, nto leyo yenza kube lula ukwenza injongo umfanekiso imeko yayo zemali. ubuchwepheshe bale mihla ukuvumela ukuba uqhelane kunye nolwazi malunga notsalo zabo ingeniso kunye irhafu ngokusebenzisa uthungelwano nangaliphi na ixesha. Ndingalufumana phi ingxelo yengeniso? Oku kunokwenziwa ngeendlela ezininzi.

Ingxelo yengeniso - ntoni na?

Ingxelo yengeniso - uxwebhu equlethe data kwi imali abantu abamivuzo esemthethweni, irhafu kuhlawulwa kwithuba elithile ukuze kungeniswa ebhankini, izidumbu karhulumente. Olu xwebhu ikhutshwa kwifomu okhethekileyo - 2-NGOBUCHULE (imela "irhafu kwimivuzo abantu physical"). Phantse njalo xa usenza credit iibhanki wosondeza uhlobo loncedo kunye ezingephi, kodwa kubalulekile ukuba utshintsho kwiziko lemali.

Apho unako ukuzoba ingxelo yengeniso, kwaye ukwenza kakuhle

Ukuba ufuna isiqinisekiso sengeniso sekhredithi, le fom ngekhompyutha kwi-website ye ebhankini okanye athathe ikopi kwisebe yeziko zemali. Wena ke kufuneka ukuba isicelo umbutho accounting kwindawo yomsebenzi. Ixesha sokubhalisa uxwebhu akukho iintsuku ezingaphezu kwama-3.

Andiphangeli, limile ibhaliswe kwiziko lengqesho, endaweni isiqinisekiso yengeniso kuya kukhutshwa isiqinisekiso yezibonelelo zokhuseleko loluntu. Ukuba ngummi urhulumente kungekhona ngenxa ngqesho, kunokuba kwingxelo yengeniso ukuze bangenise irekhodi umsebenzi wakhe. imibutho Banking uza kuba nomdla iphepha yayo yokuqala neyokugqibela iirekhodi zengqesho kunye nokugxothwa.

Iindlela zokulungiselela kwingxelo yengeniso

Abaninzi uxhalabile umbuzo apho ukuthatha kwinkcazo yemali? Olu xwebhu luya kusondela ngaphandle naziphi na iingxaki kwisebe accounting kwindawo yomsebenzi. Hlola isicelo online kwi-website "iinkonzo Public" ukuze afumane olu xwebhu, akusayi kusebenza, ngenxa yokuba inkonzo akakwazi indawo imisebenzi arhente irhafu akuqinisekisi lokuchaneka kwedatha enikiweyo. Kodwa umntu unako ukufumana phezu data intanethi ku-mhla kwi ingeniso ethe irhafu ihlawulwe. Ukuze wenze oku, ukwenza i akhawunti uye kwicandelo "Akhawunti Yam".

Indlela ukuba ikhuphe isiqinisekiso ingeniso esuka kwingqesho

Impendulo yalo mbuzo apho ukuthatha ingxelo yengeniso ilula. Ukuze ufumane ngayo emsebenzini, kufuneka uqhagamshelane Human Resources Department okanye ulawulo umntu ngokwasemthethweni. Olu xwebhu luqulethe igama elipheleleyo, igama lomqeshwa, uthotho kunye nenombolo yesazisi, inkcenkce, idilesi, indawo ubhaliso. Malunga umqeshi unalo olu lwazi lulandelayo: Igama elipheleleyo, CAT kunye VAT kunye nezinye iinkcukacha. into olugunyazisiweyo - ebonisa ulwazi malunga ngumsebenzi ingeniso (avareji ezibanjwayo zonyaka ezenziwe ngenxa kwithuba), iirhafu ingeniso iyonke ihlawulwe. A satifikethi sikhutshwa kuphela indawo yokubhala isiginitsha ngumlawuli zombutho okanye isekela lakhe elisemthethweni phantsi ngetywina. iimpawu olugunyazisiweyo le isitampu lembombo itywina esibusazinge inkampani, inombolo yesalathiso, umhla yobhaliso, iitranskripthi zodliwano abaphathi utyikityo.

Ezinye iintlobo uxwebhu ziquka utyikityo lwe zincwadi oyintloko, umculi nge isalathiso lizele ngamagama. Izilungiso abavumelekanga. Isiqinisekiso sisebenza iintsuku ezingama-30 ukususela kumhla ubhaliso.

Abadla umhlala-phantsi kufumana ingxelo yengeniso

Apho ukufumana isatifikethi imali yomhlala-phantsi? Udidi yabantu abafumana imali yomhlala-mali non-karhulumente, ungafumana ingxelo yengeniso, ibhekisela isebe Russian Pension Fund kwingingqi kunye isicelo efanelekileyo. Olu xwebhu phantse lonke efunekayo kumaziko oluntu kule ncwadana kuyilo okanye iibhanki nokuqwalaselwa mboleko. Abo abafumana umhlala-phantsi karhulumente, isatifiketi esinjalo asiyi kunikwa; kuba akukho nto lonke elimiweyo. Kodwa ingayalela kwi ulwazi Pension Fund ngokwexabiso yomhlalaphantsi. Kuba oku kuyimfuneko ukuba i yesazisi (ezifana yokundwendwela okanye iphepha-mvume lokuqhuba).

Apho ukufumana imali ngaphandle ingeniso ngokukhawuleza nangendlela eyiyo

Phantse njalo xa usenza mboleko ebhankini kuyimfuneko ukungqina yokuhlawula amatyala wayo ngokunika ingxelo umholo. Kodwa amanye amaziko zemali ukuphuhlisa inkqubo ekhethekileyo wetyala iimeko olunyanisekileyo abo ingeniso obungazinzanga okanye mthethweni. Kufuneka kukhunjulwe ukuba ukubonelelwa ibhonasi iya kufuneka ahlawule inzala ephezulu kwaye umda umda mboleko. Fumana mboleko ngaphandle ingeniso kunokuba, umzekelo, ngo "Bank Ekhaya Credit", "Kucelwe Bank", "Renaissance Credit" kunye nabanye.

Ngoku siyazi nalapho unokufumana i ingxelo yengeniso (okanye guarantors sekhredithi wafuna, ingenziwa ngo ngokwemiqathango kakuhle). Ezizezinye - isibheno amaziko abolekisa abucala (MFIs) -. "BystroDengi", "GrinMani", "imali", njalo njalo, kodwa izinga lenzala kulo mzekelo uza kuba phezulu kakhulu kwaye ixesha lokuhlawula lingaphantsi koko le bhanki. Ulwazi kwingeniso - enye ithandwayo amaxwebhu ayimfuneko ukwenza ezahlukeneyo iinkqubo (ubhaliso iinzuzo zentlalo, ukubala pension, bafumana mboleko ebhankini xa ufaka isicelo somsebenzi entsha). Luyafumaneka kwi-akhawunti lweshishini apho umntu osebenza Centre for ingqesho, kwaye umhlala - ingxowa-mali yomhlalaphantsi. Ubuninzi bexesha wokukhutshwa - iintsuku ezi-3. Ukwazi apho ukuthatha ingxelo yengeniso ngokukhawuleza nendlela ukuhombisa kakuhle, kuya kukhawulezisa iinkqubo ukunqanda ulhleko ebonakalayo kwexesha.