Settlement kunye nemali iinkonzo kumaqumrhu kwibhanki zorhwebo njengoko njengesiseko inkqubo zemali mihla. Kwiimeko ezinjalo, xa amashishini zibalwa ngqo ngaphambili. Ke kaloku, ukuba ukuzama ukwenza izinto ezinjalo, kwezinye iimeko Uze izohlwayo mthetho.
ulwazi jikelele
Okokuqala, makhe sibone ukuba yintoni na zokuhlala kunye nemali iinkonzo amaqumrhu asemthethweni ebhankini. Phantsi oku oluntsonkothileyo ngeenkonzo ezibonelela amaziko zemali kwaye zenzelwe ukuqinisekisa ukuba imibutho iintlawulo kwangethuba kunye abadlali ezahlukeneyo. Inkqubo yokubonelela kulawulwa ngumthetho "On ezibhankini umsebenzi zebhanki", i-Civil Code of the Russian Federation kunye nenkqubo-sikhokelo yolawulo ye-Central Bank of the Russian Federation. ingqalelo eyodwa kufuneka ihlawulwe kwizibonelelo malunga intlawulo non-mali, indlela imicimbi yemali kunye namanye amaxwebhu yolawulo. Kwakhona kuyimfuneko ukuba isivumelwano phakathi client kunye neziko-mali. Kufuneka kuqatshelwe ukuba ukuze kwenziwe iinkonzo zokuhlala kunye nemali ukuze abantu ngokusemthethweni, kwaye hayi nje yokugqibela.
Iinkonzo ezisisiseko RKO
Emva kokuba wenza isivumelwano, umbutho kufuneka ufumane i yetsheki. Kuya kufuneka ukuba ufumane imali kuba imivuzo zabasebenzi kunye neemfuno lweshishini. Kukho iinkonzo ezisisiseko kwaye ezongezelelweyo. I yangaphambili ziquka:
- Nokukhutshwa iingxelo-akhawunti, nto leyo eya kuqhubeka iinkcukacha ngokuqhubekileyo zigqityiwe.
- iintlawulo ikheshi.
- kunye iintengiselwano yemali (ukuba ityumbe "iinkonzo imali" ngaphezulu zingasetyenziswa ibinzana).
Iinkonzo ezingundoqo zidla simahla, okanye awenze ithathwa Commission yokomfuziselo. Kwanawokuqhuba nayiphi na kwezi imisebenzi, kufuneka usebenzise ifomu emanyeneyo. Ubunono ingeniso elungileyo ibhanki lifumana ukuba ubonelelo ngeenkonzo ezongezelelweyo. Amanye amaziko babe neempawu zabo. Mandithathe kaThixo umzekelo, cinga Savings Bank. Settlement and cash iinkonzo amaqumrhu asemthethweni kwiziko mali libonelela ngamathuba okuvula i akhawunti, hayi kuphela engange, kodwa amanye amazwe.
ummiselo osemthethweni
Yiyiphi imithetho kunye nemigaqo bakhonza njengesiseko ubudlelwane sele saxoxa. Kodwa kulawula kuphela xa lilonke jikelele. Ukongeza-sikhokelo yowiso-mthetho, ngaphandle kokuba sisivumelwano ngokusonjululwa imali phakathi iqumrhu kunye yebhanki. Uthintelo ubunini zokungenela nolwalamano ezinjalo. Xa zonke okusemthethweni bahlala kwaye i-akhawunti ityala iya kuvulwa, inkampani angasebenzisa izixhobo zabo ukuqhuba nawuphi na umsebenzi oko kuchasene nomthetho. Ukuba le nkqubo ikhutshwa phandle okokuqala, ukuba ingqalelo ekhethekileyo kufuneka inikwe imiqathango zilandelayo:
- Kukwamkela nokukhupha imali.
- Ukuqinisekisa mali flow ngexesha egudileyo.
- Ukwazi ukuba baqhube imisebenzi kunye lwemali.
Mhlawumbi unqwenela ukudibanisa, kunye nezinye iinkonzo, kodwa oko kuxhomekeke iminqweno neemfuno lweshishini ngokwayo. Ukuba sithethe intsebenziswano, iindlela ezimbini zisetyenziselwa le njongo, nganye ukhetha ukuba ezingafanelekileyo
- Classic. Ubonelela odolo wotshintsho buqu ephepheni okanye nge-proxy. Phakathi kwezinto ezimbi kufuneka kuqwalaselwe imfuneko achithe ixesha uhambo kwi-ofisi ebhankini, ngoko ngale ndlela usebenzisa lamashishini ambalwa kakhulu.
- Online zebhanki. Kulo mzekelo, ulawulo zezimali luyenziwa kude. imiyalelo Intlawulo kunye neemfuno kudluliselwa kwi-Internet. Ngenxa isantya, ukuthamba kunye usebenziso olulula, le ndlela lisetyenziswa yimibutho abaninzi.
ibalwe njani na oku?
Xa ibhanki ifumana umyalelo evela kwinkampani (kungakhathaliseki ngayiphi indlela, lo gama njengoko kuqinisekisiwe ukuba uxwebhu wathunyelwa umntu ogunyazisiweyo), oko umenzi oko ngesivumelwano. Ukulungiselela le njongo, ngoku eqhelekileyo kukusebenzisa BESP. Le abbreviation imele zebhanki iintlawulo ngekhompyutha ezingxamisekileyo. Esebenzisa BESP transfer imali kwimizuzu. Nangona phantsi komthetho intlawulo kufuneka kwenziwa zingadlulanga iintsuku ezintathu zomsebenzi. Oku kwenziwa xa iziganeko ngequbuliso engalindelekanga kwaye ebeka inkqubo ngaphandle yesenzo. Nangona uphumezo ngokukhawuleza kangaka lo umyalelo athathe imali eyongezelelweyo. A translation, noba usebenzisa BESP uza kuhamba iintsuku ezintathu zomsebenzi. Ukuba ibhanki sisebenzisa izikim ezinjalo, kuyimfuneko ukuba bacinge malunga nokuba ukuqhubeka ukuba sinikezelwe kulo ziko zemali. Ngethamsanqa, okhuphisana ufanelwe kuswela. Fumana ubuncinane isakhiwo ezifana Alfa Bank, Sberbank, VTB 24. Settlement kunye nemali iinkonzo amaqumrhu asemthethweni ukuba abanelisekanga umthengi - uyakwazi ukutshintsha iziko zemali. Khumbula ukuba unako ukuvota kunye izipaji zabo.
iyafuna
Zonke iinkampani ezikhoyo kwi-CSC iziko elithile mali, emva wokutyikitywa kwesivumelwano eyahlukileyo, ukuze kube lula ukuba okuhlawulela iimpahla ngaphandle kokushiya kwindawo yentengiso. Nangona kunjalo, kwiimeko ezinjalo kuyimfuneko nje ukuqinisekisa ukufumaneka zonke izixhobo eziyimfuneko, kodwa ekuhambeni kwexesha ukuchitha imali eninzi kwamanyathelo olawulo (ingakumbi oku kunxulumene ukhuseleko). Ngokukwanjalo enokuthethwa ulwamkelo intlawulo amakhadi intlawulo kwi-World Wide Web. Kule meko, ezinjengeetheminali zitshintshiwe kwiimo ezikhethekileyo ukuba igcwaliswe ngumthengi.
kwiNtengiselwano cash
Ukulungiselela le njongo, yaye usebenzisa ekhankanywe ngaphambili yetsheki. Ezibhaliweyo ngaphandle ngoncedo yayo, isixa uphuma usiya ukuxhasa icala kuqoqosho lweshishini, ukuba ikhuphe zemivuzo, uhlawule ababoneleli. Kutshanje uhlobo analogu le yetsheki sele ikhadi lebhanki corporate. Xa design yayo ukuvula i-akhawunti ekhethekileyo ngoncedo apho kwiziko lemali yaye liqhuba i-inventri yazo zonke iintengiselwano zigqityiwe, unika obhobhozayo ukuya iibhalansi mali kunye nemali. Cinga nje ngomzekelo ka VTB. Settlement and cash iinkonzo amaqumrhu asemthethweni ngokwamanqanaba kubasebenzi ikhutshwa phandle odlulisela isixa esithile semali kwikhadi bank. Kodwa abanye abantu, le ndlela ayikho elula, njengoko babefudula abathengi hayi VTB kunye Sberbank. Kwimeko enjalo Ungalungisa zithunyelwe zimali ibhange sele apho ngoncedo yetsheki ukuze ufumane imali kuyimfuneko. Njengoko ubona, kukho iziganeko ezihle, kodwa ukuza kuthi ga ngoku zokusebenzisa ngokupheleleyo inkqubo transfer yemali badla ngokuba imiqobo ethile. Ukuba kufuneka ahambe isixa esikhulu semali, amaziko ezemali ezininzi ezinkulu zinika iinkonzo yokuqokelela. Kuyinto ziyafumaneka emva kokuba isayinwe akhawunti ekhoyo kunye nesivumelwano ezongezelelweyo engqinelanayo.
Ukuvula i akhawunti
Le nkonzo ukuba zombini ihlawulwe kwaye simahla. konke kuxhomekeke kumgaqo-lomlambo lowo. Kodwa lo mali ayikho nzima kakhulu, kuquka amashishini amatsha - ulonwabo olunjalo kuya kufuneka ukuba uhlawule "kuphela" esinye isibini kumawaka. phindiweyo eziliqela kufuneka kunikezelwa iinkonzo akhawunti yangoku. Amaziko amaninzi zemali ukuhlawulisa umrhumo ukusetyenziswa kuphela kwiinyanga xa kukho izivumelwano ubuncinane enye. nokuphambuka ezithile kula amaxabiso isenokuba njalo ukuba akukho ukuvula-akhawunti engange kunye exchange angaphandle. Phesheya, ngokulandelelana, ezinye iirhafu ezi nkonzo, leyo azifani, ngokuxhomekeke kwiimeko zendawo.
Ukudibana ne-Revenue Service
Olu lwazi luza kuba luncedo kwabo ukucinga nje uvula i-akhawunti. Inyaniso yokuba, ngokutsho komthetho Russian, umntu osemthethweni xa uvula i-akhawunti yangoku kufuneka azise kwiofisi yerhafu zingadlulanga iintsuku ezi-5 emva kokuba ubhaliso sele sigqityiwe. Ukuba ke anithanga nindazise oko kwexesha, wafuna isohlwayo. Xa kungekho umnqweno ukuqonda zonke bokuqonda, unako imali yonke imibuzo ngokukodwa kule nkampani. Iindleko eyiyona le nkonzo iza kuba malunga 2-3 amawaka engange.
isiphelo
Ungabona okuninzi malunga indlela yokwakha inkqubo iinkonzo zolawulo lwemali, ukujongana bokuqonda ezahlukeneyo kunye nemiba. Ngokubanzi, ukuba usomashishini okanye umphathi kuya kufuneka ubuncinane uluvo jikelele CSC, oko kuya kwenza ukuba siqonde ngcono izinto phantsi kolawulo inkampani, leyo, kwamathandabuzo, i inzuzo enkulu.