"Ntle" (NPF): ncomo zabathengi kunye nabasebenzi

Yintoni i "ntle" (NPF)? Uhlaziyo isebe ushiye nabani. Uluvo malunga inkampani, nto leyo eza kufundwa ngakumbi, ngokufuthi besekho ezahlukeneyo "otzovikah". Ngoko ke, kufuneka sinikele ingqalelo kubo. Le nto ke, yintoni ingxelo kunceda ubumbe umqondo inkampani ethile. kufuneka Ungothuki ukuba ethile izimvo diverge. Zonke izicelo zabo kwi-mali yomhlalaphantsi yabucala. Ngoko ke, into yokuba umntu azithandayo, abanye musa nje kwaphela. Ngoko ke ndiyacinga abathengi kunye nabasebenzi malunga NPF 'ntle'? Yintoni iingenelo neengozi mbutho kufuneka sinikele ingqalelo kwindawo yokuqala?

le misebenzi

Ngokomzekelo, oko kukuthi, umgaqo, ufundwa lo mbutho. Yintoni i "ntle" (NPF)? Impendulo kule nkampani uyakwazi ukushiya bonke, ukuze bakholwe konke okubhaliweyo angafanele ngayo. Kodwa inye into yonke izimvo idibane - Echaza lo mbutho.

"Impumelelo" - ukuba ingxowa-mali yomhlalaphantsi. It inikeza abemi ukwenza iminikelo ekubunjweni pension elizayo. Okanye kunoko, oko ngemali inxaxheba. Ezinye ezingoovimba imali ebekwe bucala ukuze umhlala-phantsi.

Akukho nto ayimangalisi kulo. Kungenxa yoko le nto 'ntle' (NPF) ifumana ncomo HIV umthengi. Kodwa kuphela ekuqaleni. Kuyimfuneko ukuba ukuhlola umbutho kuvela macalana onke. Ngapha koko, uya kuba noxanduva oyongele umhlala-phantsi! Lo mzuzu ebalulekileyo ubomi wonke.

ukukala

Kubalulekile ukuphawula ukuba i "Well-being" - nto ilula ingxowa-mali yomhlalaphantsi enkulu. Ngokutsho manani, yenye ye SPC ezilishumi kakhulu nempumelelo eRashiya. Oku kuthetha ukuba unako bangathenjwa.

Unika indawo ethile kuyingxaki kakhulu. Yonke wabonisa data ezahlukeneyo. Khumbula nje ukuba "Well-being" yeyona inkulu, omnye mali eya kwi-Russian Federation.

Omnye umba ekufuneka ithathelwe ingqalelo - le yinto lo mbutho ngokutsha ngo-2015. Kwaye ngoku udla kuthiwa "kwixesha elizayo". Ngoko ke, kufanele kuphawulwe ukuba la magama amele umbutho efanayo. Kubalulekile ukukhumbula ukuba ulahlekile ephononongwayo.

Customer trust

"Ntle" (NPF) ncomo umxhasi lwenza iintlobo. Kodwa abatyali mali ezifanayo ezinokwenzeka nangoku ukufunda ngenyameko manani. Enye Isalathisi kunokuba ebalulekileyo inqanaba trust. Ibonisa indlela abatyali kangakanani Ndikholose entlanganweni. eli candelo kubalulekile ekumisweni rating.

Kwaye akukho zikhalazo kule ndawo. Eyona nto kukuba i "ntle 'NPF ineqondo eliphezulu trust. Noko ke, njengazo zonke ezinye iimali yomhlalaphantsi non-karhulumente abaninzi kweenkokeli eRashiya. Kweli nqanaba intembeko abathengi ungathathwa A ++.

Kweli basis siyakwazi ukubona ukuba ingxowa-mali yomhlalaphantsi uzinzile yaye ithembekile. Oko kukuthi, ivalwe ngenxa yesizathu. Yaye kodwa nemihlali. Ngoko ke, abaninzi bafuna kule nkampani. Kusenokwenzeka ukuba kufuneka ukuphathisa imali yabo yomhlala-phantsi.

inzuzo

NPF "RZD-ntle" iimpendulo ezifunyenweyo akuyona indlela engcono ukubuya kwakhe. abatyali zimali abaninzi okunokwenzeka ngayo kwesi salathisi ukukhetha ingxowa-mali yabo yomhlalaphantsi. Eyona iphambili nayiphi SPC Yiloo ekuthiwa ukubuya. Imali, nto leyo igcinwa kwi-akhawunti ye-abagcinisa, linyuke ipesenti ethile kunyaka ngamnye. Wabiza isivuno.

Esi salathisi kwi "Fortune" ayikho enyangweni. Kuyinto namhlanje malunga 8-8.5% ngonyaka ngamnye. Kuyaphawuleka ukuba inzuzo esigqeba yenkampani ekuqaleni athembisa ephakamileyo - ukuya kwi 12-15%. Yiloo nto abantu abaninzi badiniwe.

Nangona kunjalo, umahluko inokufumaneka kwencazelo enengqondo. Zonke nandzu - kwamaxabiso. Ngenxa isivuno wafunda mali yawo yomhlala lifinyele. Ngoko ke, kufuneka sinikele ingqalelo kuyo. Akhombe "ntle" ngokucacileyo akukho mfuneko ukuze axoke. Kwi 8-8.5% yemali iya kwanda. Yinto kakhulu, kodwa ngaphezu kokuba bakwazi ukunikela ezinye mali yabucala top ezilishumi kweli lizwe.

Gcobisa phezu Russia

Ukutshintsha igama lenkampani ye okunokubakho abatyali ezenze ingcamango yokuba "Well-being" - oku itshivela. Enyanisweni akunjalo. Le nto ukuba ingxowa-mali yomhlalaphantsi wafunda isebenza ngempumelelo iminyaka engaphezu kwama-16. It esizigubungeleyo zonke eRashiya. Ngoko ke, kufuneka uthembe mbutho.

Ngeliphandle, ukubuyekeza amaninzi abonisa ukuba isikali ombutho are credible. NPF "ntle" ukubuyekeza abaqeshwa kunye nabaxhasi ufumana okulungileyo ngenxa yokuba umbutho amasebe kumanani amakhulu kwimizi ngemizi. Oku kuthetha ukuba inkampani ayikho yobuqhophololo. Ingakumbi xa sicinga yokuba uye basebenze kangangeminyaka emininzi.

umgangatho wenkonzo

Yintoni enokuthethwa umsebenzi wombutho xa lilonke? bakhonza kakuhle kangakanani abathengi? City, apho izindlu omnye iiyunithi wengingqi NPF "ntle", - Ufa. Uhlaziya elizifumeneyo ezahlukeneyo. Ngaphezu koko, kufuneka kuqatshelwe ukuba imeko kulo mmandla malunga ngokufanayo kuyo yonke imimandla yelo lizwe.

Kuba yonke inkonzo akukho zikhalazo. Inye kuphela into uyagxininisa ncomo ezininzi - ngumsebenzi olucothayo yabasebenzi. Kunye nale, zonke iimpendulo yanikwa abasebenzi baya sifunyanwe. Imisebenzi ufundile kunye nabasebenzi abanolwazi. Akusoloko nobubele, kodwa umgangatho wenkonzo, le caveat aluchaphazeli nzulu.

uyakholiswa kakhulu ubukho abaninzi inkonzo yenyani. Okunye ngqo, i "Akhawunti Personal". Inceda akukho ngxaki ukuze silandele imeko-akhawunti, ngokunjalo ngokomyalelo kubukho izicatshulwa kunye nezatifikethi.

Kwi i "Dashboard"

Yintoni enye kufuneka sinikele ingqalelo kuyo? Enye mzi, nayo leyo unalo NPF yesebe "ntle", - Voronezh. Izimvo i "Akhawunti Personal" Abatyali mali kufuneka athathe ingqalelo, nokuba nguwuphi kummandla eRashiya echaphazelekayo. Ngapha koko, le ndlela yokufumana ulwazi malunga ngenxa yabo abanyulwa ngabathengi ezininzi.

Kule ndawo, ukuba akukho ilula ukuze kubonakala. Ngapha koko, le "uThamsanqa" "Akhawunti Yam" function kunye iintsilelo. Ngoko ke, abathengi beli ithuba ayihambelani aphendule ngendlela engcono. Ingongoma kukuba ukuze oko kugunyaziswe inkqubo akusoloko kusenzeka. Idla ngokuphindaphindiweyo imizamo yokungena. Qinisa sisicatshulwa esithathwe-akhawunti yakho, ungakwazi, kodwa kuya kufuneka ulinde ixesha elide. Ngako oko ke kucetyiswa ukuba beze kwisebe yabo mali yomhlalaphantsi non-karhulumente, ukufumana ulwazi malunga nemali ekhoyo.

Ezi kubakho iingxaki kuphela, nto leyo kufuneka ithathelwe ingqalelo. Ke bona abanye, xa kungekho ukusilela kwenzeka, "Akhawunti Yam 'ukusuka' uThamsanqa" lisebenza kakuhle. Ayikwazi kuphela ufumana iinkcukacha ze-akhawunti, kodwa kwakhona ukufumana iimpendulo kuzo zonke imibuzo emalunga nokugcinwa kunye nokuhlawulwa pension.

malunga intlawulo

NPF "operatives ntle" nezimvo ezifunyenwe uye muhle. Kunjalo, ukuze kubekho uzinzo kunye nokuthembeka. Nakuba kunjalo, kufuneka sinikele ingqalelo ekhethekileyo kweli candelo njengoko intlawulo yemali.

Kutheni? Le ndawo akafumani uvavanyo zicacileyo iinkonzo. Abanye bakholelwa ukuba imali "ntle" akukho ukuhlawula. Kufuneka ukuba ulinde ixesha elide kakhulu, wenze intlawulo akunakwenzeka. Ezinye iirivyu bathi okwahlukileyo ngqo. Oku kuthetha ukuba i "Well-being" fund yomhlalaphantsi byi yomhlala ngexesha. Akukho kulibaziseka okanye ezinye izimanga.

Kwaye yintoni na ukukholwa, ngokwenene? Kuyanconywa ukuba ingongoma cala ngayo. Eyona nto kukuba i "Well-being" efuna ukwenza zonke iintlawulo ngexesha ngokuchanekileyo. Kodwa ezinye ukulibaziseka kule ndawo nangoku waphawula. Ngoko ke, kufuneka ungothuki xa iintlawulo pension akazange afike ngexesha. Ezi ngxaki musa zenzeka kunqabile, kodwa kubalulekile ukwazi. Ngapha koko, ukuba umntu yokulibazisa - oku ethile kakhulu. Enoba kwenzeka qho ngonyaka. Kuyo nayiphi na imeko, yonke imali iya kuhlawulwa ngemali abagcinisa.

izimanga

Kwakhona, ezinye ezimbi, njengokuba umthetho, ngenxa yokuba kaninzi abatyali bayazi ukuba imali yabo yadluliselwa ngokufihlakeleyo kwi NPF "ntle". Asinto wonwabe kakhulu. Abanye badla ukukholelwa ukuba le nkampani kukuba kule nkqubo dino nokuba izenzo zayo mthethweni.

Isixeko apho kusoloko kubashiya izimvo kakubi ngayo kwi NPF "ntle", - Yekaterinburg. Izimvo ezilolu hlobo ikhona kwezinye iingingqi. Eneneni, isaziso lokuvula engathumeli ngegalelo pension fund. Kakade ke, engxakini. Kodwa kwangaxeshanye simele sinikele ingqalelo kwenye ezincinane.

izenzo ilungelelanisayo imi ezisemthethweni ngokupheleleyo. Ngapha koko, njengoko ibonisa practice, "ntle" (NPF), ukuhlaziywa apho siya ukufunda ngoku, ungene kwizibhambathiso kunye nabaqeshi ezahlukeneyo. Ngokuzenzekelayo, bonke abasebenzi babe nxaxheba bafunda ingxowa-mali yomhlalaphantsi. Isaziso ukutshintshwa imali yomhlala phantsi, kwakunye nokuququzelela ukuphunyezwa ukusebenza - eyona oyintloko. Hayi "ntle." Ngoko ke, onke amabango kufuneka ungenise abaziphethe.

Ngendlela, ukuba ukholelwa ncomo, ngoko abemi abangaphangeliyo ngokusemthethweni olu hlobo izimanga ayenzeki. Bona ngokwabo angaqala wabaza inxalenye yawo ezongezelelekayo ye pension kwi nkampani. Akukho namnye uphika ukuvula i-akhawunti, ngokuqinisekileyo ukwenza njalo ngaphandle inxaxheba mali ethile.

uluvo olusemthethweni

Nento abacinga malunga amagqwetha isiseko ngaye? Ezi, izimvo ezininzi kakhulu waphulaphula. Iingcali endle lomthetho, njengoko umthetho, musa lucacise okubi ecacileyo kwinkampani. Kuye ukusebenza ndingosemthethweni. Akukho namnye ukukopela, isivumelwano eneenkcukacha kwiinkonzo. Apho kuyimfuneko, abasebenzi kufuneka kudityanwe. Inye kuphela into bayacetyiswa ukuba ukunikela ingqalelo - oku kwiimeko ezo zichazwe kwi sivumelwano. Ngakumbi ngokuphathelele ilahleko kulindeleke-mali olunokubakho, ukuba ugqiba ukudlulisela inxalenye inkxaso ye pension-mali yomhlalaphantsi.

ngaphambili ukuba bathi bonke "ntle" NPF ngokutsha Abameli wamkela becala HIV. Ungaqiniseka ukuba amalungelo abagcinisa yayiza anyhashwe.

abasebenzi izimvo

Ngokufuthi iimbono abangaphantsi kukwazi ukuchaza iintsilelo kule okanye umbutho. Enoba yintoni uhlobo nkampani. Yintoni NRF "ntle" ingxelo evela kubasebenzi na?

Ayikwazi kuqwalaselwa uluvo ocacile. Eyona nto kukuba okuninzi kuxhomekeke kummandla kuthethwa. Emva konke zesi salathisi ixhomekeke kwimivuzo abangaphantsi. Yeyona kwingongoma eyintloko ukuze ihlolwe.

Ngokomthetho akukho zikhalazo ezibalulekileyo apho. Njengomqeshi NPF "-ntle" yinzwana. Inikezela ngelona bume yokusebenza, full package zentlalo, kwakunye ihlawulwe ixesha ikhefu kunyaka ngamnye. Plus a lwezemisebenzi oluzinzileyo. Ngokuqhelekileyo, akukho phezulu kakhulu - malunga 15-20 amawaka engange, kodwa wayethetha ngayo nenqanaba-ndlebe. Akukho nkohliso okanye ubuqhophololo. Asinako ukuba i "Well-being" - yinto nkampani efanelekileyo. Kodwa ukuba kukho umnqweno kusebenza kwinkqubo pension, ngoko cinga umbutho njenge iindleko umqeshi.

ishedyuli

'Ntle' kwaye (NPF) abasebenzi ncomo ifumana entle ngokubhekiselele kwisicwangciso samaxesha enikiweyo. Wesitali, nitshintshane. Kwaye oko akuthandayo. Maxa wambi kuya kufuneka uhlale ixesha emsebenzini, kodwa kuyenzeka akunjalo rhoqo.

Le grafu ezicaciswe gca ngokwemvumelwano yengqesho. Ngokuqhelekileyo umsebenzi kwenziwa ukususela kowe-9 kusasa ukuya 8 pm. Konke kuxhomekeke ixesha umsebenzi kwisebe-mali yomhlalaphantsi. Kodwa kukho ukungakhululeki eyomeleleyo. Kwaye oko akuthandayo.

iziphumo

Ziziphi saphetha ukusuka ngentla? "Ntle" (NPF), nto leyo iqwalasele iimfuno wonke ummi ocinga malunga yomhlala elizayo - yenye yeenkokheli-mali yomhlalaphantsi yabucala. I-Russian yi esitalini nethembekileyo. Iimpazamo zabo. Kodwa abatyali unokuqiniseka ukuba umbutho akayi kuvalwa ngequbuliso.

Oku kuyakhuthaza kakhulu. Njengomqeshi, inkampani nayo yafunda uzinzo ezahlukeneyo. Kufuneka ukuba ubalekwe NPF "-ntle". Nangona, xa kukhethwa esisiseko ukugcina isithuba olwenzeka pension na kwisivuno, kucetyiswa ukuba ukukhangela attachments kwindawo ezahlukeneyo. Imbuyekezo evela kwingxowa-mali yomhlalaphantsi akulunganga kakhulu.