Indlela yokuvula i-akhawunti yokuhlawula i-PI eSberbank. Indlela yokuvula i-akhawunti kunye ne-Sberbank kumntu kunye nombutho wezomthetho

Zonke iibhanki zasekhaya zinika abaxhasi babo ithuba lokuvula i-akhawunti kumashishini athile. Kodwa kukho ininzi yemibutho yemboleko. Ziziphi iinkonzo kufuneka ndizisebenzise? Ukuba uphendule ngokukhawuleza lo mbuzo, kungcono ukhethe isikhungo sebhajethi. Kule nqaku uza kufunda indlela yokuvula i-akhawunti yokuhlawula i-PI eSberbank.

Kutheni kubalulekile?

Urhulumente alithinteli ukuba amaziko ezoqoqosho asebenze ngaphandle kokuvula iseli yebhanki. Kodwa oku kunzima kakhulu. Nangona ubuchwepheshe obutsha buvumela ukutshintshwa kweenkqubo zokuhlawula, asemthethweni. Ngako oko, abaphathi beerhafu abakwazi ukulandelela imali kunye neendleko kubo, kwaye imibutho emikhulu ayiyi kuthatha ingqalelo. Ukuthengwa kweemali kunye nemali eninzi yentsebenzo kubonakala kukhankanya. Kungcono ukusebenza ngebhanki. I-akhawunti yokuhlawulela i-IP iqulethe iinkcukacha ezinokuthi zithunyelwe kumlingani ngokugqitywa kwesivumelwano. Ukongezelela, ubukho beeseli ebhanki bunceda kakhulu umsebenzi wabasebenzi beSebe lezeMali. Kwaye kunye nokukhula komyinge womsebenzi kunye nokubonakala kwamaqabane angaphandle ngaphandle kweenkonzo zeziko lemboleko, kubalulekile. Ngoko ke, kungcono ukubuza ngokukhawuleza indlela yokuvula i-akhawunti yokuhlawula i-IP kwi-Sberbank.

Ukhetho

Abo bangayiqondi imibutho yamatyala kuzo zonke, kulungile ukusebenzisa iinkonzo zeziko lombuso. E-Russian Federation kukho ezimbini kuphela: i-VTB ne-Sberbank. Abaqeshwa babo baqaphele kakhulu kwizinto ezimalunga namaxwebhu avela kubaxumi. Ngoko ke, inkqubo yokuqokelela iingxelo ingathabatha ixesha elide. Ngexesha elifanayo, kufuneka kuqatshelwe ukuba loo mibutho ibonakala ngokucacileyo ngemisebenzi yabo: yonke imisebenzi isenziwa ngokuthotyelwa ngokuthe ngqo kwileta yomthetho. Ngoko ke, xa kwenzeka i-cataclysms, imali iya kukhuselwa ngokuqinisekileyo. Ngethuba lonyaka we- 1998 , oosomashishini abaninzi bahlala "bahamba", njengoko imali yabo igcinwe kwi-OAO Sberbank.

Ukuvulwa kweakhawunti yangoku

Emva kokubhaliswa kwequmrhu lomthetho, kuyimfuneko ukufaka isicelo kwi-FSS, FIU, IFTS kwaye ufumane izatifikethi ukuba i-FE ibhaliswe. Ukungena kwisivumelwano seakhawunti ye-settlement, kufuneka ungenise kwi-Sberbank:

Isatifiketi sokubhaliswa koburhulumente kwisigqeba somthetho;

- isicelo se-akhawunti yangoku;

- uxwebhu oluqinisekisa amandla omlawuli;

- iikopi ezichazwe ngeenkontileka kunye ne-charter;

- uxwebhu oluqinisekisa igunya lomgcini-mali oyintloko;

- amakhadi kunye nesayineli yesayinithi;

- izatifikethi zokubhaliswa kwi-PF;

- ilayisenisi evumela ukuba wenze imisebenzi;

Ikhadi lokubhalisa;

- Ukuba ulawula imali ayiyi kuba ngumrhwebi, kodwa umntu wesithathu, kufuneka ukhuphe igunya lommeli.

Emva kokungenisa isicelo, ibhanki ihlola amaxwebhu, iqinisekisa ubungqina bomthengi, ifakisha isivumelwano kunye nokungena kwedatha kwincwadi yokubhalisa. Emva kwezi misebenzi, ungaqala ukusebenzisa i-akhawunti. Umthetho uchaza umhla wokuphela komhla wokuthobela zonke iziko. Enyanisweni, imisebenzi iyenzeka ngexesha langempela. Ukuba unika ipakethe epheleleyo yamaxwebhu ahlangabezana neemfuno, ngoko inkqubo ithatha malunga neyure enye. Nantsi indlela yokuvula i-akhawunti yokuhlawula i-PI eSberbank.

Ngokuqhelekileyo, isivumelwano sokuthi iimpawu zabathengi zibandakanya inani leenkonzo:

• Iinkonzo zokuhlala kunye nemali;
• Ulwabiwo-mali;
• Ukukhonza kwamakhadi;
• Overdraft.

Ukuze ukhange abathengi, iibhanki musa ukuhlawulisa ikhomishini yokuvula i-akhawunti, kodwa nantsi inkonzo inokuhlawula ipenki enhle.

Ukwaziswa kwamaziko karhulumente

Kwiintsuku ezingama-7 emva kokubhaliswa kwamaxwebhu umrhwebi unyanzelekile ukuba azise irhafu. Kubalulekile ukungenisa amaxwebhu avela kwisiko lemali kunye nokufumana ileta evela ekuhlolweni okuqinisekisa ukwamkelwa kweziqinisekiso. Xa kwenzeka ukuphulwa kwemigqaliselo, usomashishini ubhekene nentlawulo yama-ruble amawaka ayi-5. Oku kuyafaneleka kukuba ibhanki ikwazisa nabasemagunyeni kwiimali ezintandathu iintsuku. Isaziso sikhutshwe yifomu ekhethekileyo Nombolo C-09-1, isampula yayo ingafumaneka kwi-inspectorate yerhafu. Umhla wokuthumela ileta iya kuba yinto eboniswe kwisitampu.

I-R / S ye-IP vs LLC

1. Ngaphantsi komthetho, umntu osomashishini angenakuvula iseli yebhanki.
2. Ukurhoxiswa okanye ukudluliselwa kwezimali LLC kufuneka kunikezele ngamaxwebhu axhasayo.
3. I-IP inokusebenza ngeakhawunti enye kwiidolophu ezahlukeneyo.

Ibhanki ye-intanethi

Ngokufanayo kunye nokubhaliswa kwamaphepha kwi-r / s ungagqiba isivumelwano kunye nebhanki kwendawo yokugcina esondeza. Oku kuya kukuvumela ukuba ukhokhe i-invoyisi, ukulandelela ukuhamba kwemali, ukudlulisela umvuzo kumakhadi, ukuthumela imali irhafu kunye nezinye i-arhente karhulumente, ngaphandle kokuphazamiseka kwikhompyutha. Kodwa isivumelwano sibonisa ngokucacileyo ukuba inani leentengiselwano lilinganiselwe. Kwaye ngamnye uya kuhlawula imali. Iinkonzo ngabanye baseSberbank zinikezelwa kuphela kwabathengi abasebenzisa i-intanethi ukuba benze iintlawulo:

• Inkcitho ngaphandle kokubambisa. I-IP, eneengeniso zonyaka ezingaphantsi kwama-ruble angama-60, ingafumana imali-mboleko "iTrust" kwinqanaba lentlawulo elincitshisiweyo ukuya kuma-ruble ayizigidi ezi-3. Kule meko, umthengi akanakho ukubonisa injongo yokusebenzisa imali. Ukusetyenziswa ngokuphindaphindiweyo inani lemali-mboleko linyuka lifikelela kwizigidi ezi-5.
• Ukuboleka iimfuno zokuvelisa. Imboleko "Ukuthengiswa kwezorhwebo" kuvumela abashishini ukuba basebenzise iimali zokuthenga izinto ezibonakalayo, iimveliso ezigqityiweyo, njl njl.
• Abasomashishini abanomvuzo wonyaka we-ruble ezingama-400 bavunyelwe ukusebenzisa i-credit "Business Auto". Kwimfuneko efunyenweyo kunokwenzeka ukuba ufumane imoto entsha okanye yesibini ngesandla, iorori, i-trailer okanye izixhobo ezizodwa.
• Imveliso "i-Real Estate Properties" ixhaswa ngemali kwikhuseleko lento ethengiweyo. Unokuthenga kwakhona indawo ngomboleki ogunyazisiweyo.
• "Iprojekthi yezoShishino": iimali zinikezelwa kumthamo omkhulu kunye nethuba lokufumana i-deferral.

Iikhomishini

Iinkonzo ze-Sberbank zinikezelwa ngexabiso. Vula ii-ruble kwi-ruble zikhululekile. Ukuba awuyithengi iphakheji kanye, kodwa udibanise iinkonzo ngokwahlukileyo, uya kufuneka uhlawule ezi mali zilandelayo:

• Ukugcinwa kweRCS - 500 ruble / ngenyanga;
• Iibhanki ze-Intanethi - i-ruble 490;
• Ukwamukelwa kwemali - 0.3% yemali;
• Ukuthengiselana ngama-ruble angama-15-60;
• Ukurhoxiswa kwemali - 1%.

Ukuthelekisa, iimali ezifanayo kuya kufuneka zihlawulwe ngokugcina i-akhawunti yangoku kunye ne-Promsvyazbank. Kweminye imibutho, abathengi banikezelwa ngeepakethi ezininzi zeenkonzo. Kwi "Sudostroitelny Bank", i-IP ingakhishwa yi:

• Iipokethi "ezisisiseko" ze-ruble 1000, ngaphandle kwemali yenyanga;
• "Efanelekileyo" (ii-ruble ezingama-200. \ Inyanga) - inikeza ukuvula ngokukhululekileyo kwe-akhawunti yokuqala kunye neentlawulo ezininzi ngeenyanga kwixabiso elincitshisiwe;
• "Iphumelele" - inikwe i-ruble engu-850 ngenyanga, emva kokunyuswa kwekhomishishini ayihlawulwanga.

Ukutshintshwa kwemali kumakhadi kwiirhafu ezimbini zokuqala ziingu-0.25%, ubuncinci bama-ruble ama-50.

Kwi-"Alfa-Bank" IP ingakhetha enye yeerhafu:

• "I-Business Start": ukuvula ukukhululeka, umrhumo wokubhaliselwa - i-ruble 990. Kunikezelwa ukuba akukho ntlawulo engaphezulu kwe-5 eyenziwa ngenyanga.
• "I-elektroniki": ukubhaliswa - ii-ruble eziyi-800., IiNkonzo - ii-ruble ezingama-1190.
• Umrhumo wokusebenzisa i-"Trading" iphakheji eyi-ruble ayi-800.

IKomishoni yokudlulisela imali ekhadini - 0.2% -0.6%, ubuncinci - i-ruble 200.

Kwi "Vanguard" ungavula i-akhawunti yee-ruble eziyi-1-3. Ikhomishini ayihlawulwanga ngokusetyenziswa kwe-intanethi ye-intanethi.

Ukutshintsha iirhafu

Ukususela ngo-Apreli 1, 2015, i-Sberbank iye yandisa ikhomishini yokudlulisela imali kwi-akhawunti yombutho kwi-card ebhanki. Ngaphambili, kwakukho umrhumo ochanekileyo: iiruble eziyi-8 zeentlawulo zasekhaya kunye neeruble ezingama-30. - ukuthunyelwa kwii-akhawunti kwizinye iibhanki. Ngoku ke ikhomishoni i-1%, kodwa inani elincinci lokudlulisa li-ruble 115. Abathengi abaninzi baya kufuneka bahlawule ngokuphindaphindiweyo amaxesha amaninzi kumsebenzi oqhelekileyo.

Kodwa kusekho indlela yokuphuma kwimeko. Abathengi kufuneka bavule i-Akhawunti ye-Universal "kwi-Sberbank ngama-ruble ayi-10. Le mali ngokukhawuleza iya ekhadini. I-akhawunti isebenza iminyaka emi-5. Ikhomishini ayihlawulwanga ngenkonzo. Emva koko, kufuneka usebenze inkonzo yebhanki ye-intanethi, ukuba ayengenziwa ngaphambili. Kwiintsuku ezintathu kamva kwi-"Akhawunti Yomntu" kwisayithi iya kuvela "I-Akhawunti Yomntu Wonke" kunye ne-akhawunti ye-plastic carrier entsha. Ukutshintshwa kweemali kwikhadi kuya kwenziwa ngamanyathelo amabini.

1. Kubalulekile ukuthumela imali kwi "Akhawunti ye-Universal". IKhomishini yokusebenza - iiruble eziyi-8. Imirhumo emitsha ayisebenzisi kuloo ntlawulo, kuba imali ayifumanekanga kwi-40817 (ikhadi), kodwa i-42307 ("I-Akhawunti ye-Universal").
2. Myalelo wokutshintshwa kwiseli yebhanki kwisixhobo sokuhlawula esitsha. Usebenziso lukhululekile.

Ukulahlwa kweNkonzo

Ungavala kuphela i-akhawunti kwisebe apho yavulwa khona. Ukwenza oku, ingcali kufuneka inike ipasipoti, isivumelwano kunye ne-RKO kwaye ubhale ingxelo. Emva kokugqitywa kwenkqubo, umthengi uya kufumana isaziso esivela kwibhankini, ekufuneka ifakwe kwi-tax inspection.

Izinzuzo

Kuzo zonke ezi ngasentla, sinokwenza isigqibo esincinci malunga nokuba kutheni ukuvula i-akhawunti yokuhlawula i-IP:

• I-Sberbank isakhiwo sezimali esinokwethenjelwa. Oku sekuye kwabonakaliswa, nangaphezulu kweyodwa.
• Ukubonelela. Ukuba udibanisa ngokukhawuleza iphakheji epheleleyo yeenkonzo, akumele uhlale kwimigca ixesha elide ukwenza olunye usebenzo.
• Ngoncedo lwe-intanethi, ungathumela imali kwi-akhawunti ye-IP. I-Sberbank ivumela abathengi bayo ukuba benze intengiso nge-intanethi. Inkqubo ye-intanethi ineemilinganiselo ezahlukeneyo zokubethela idatha. Iintlawulo zikhawuleza, kodwa ikhomishini iyahlawulwa kwizinga elithile.

4. Iimali zokugqibela zentlawulo. Umrhwebi akafuni ukuba nevenkile okanye iofisi yokufumana imali kumthengi. Kwanele ukuba ulandele i-terminal kwaye uyisebenzise ukuqhuba iintengiso. Ezi zixhobo zingasebenza kwi-SIM khadi. Iimali zithathwa kwi-akhawunti yomdayisi ngaphakathi kweentsuku ezintathu. Ikhomishini ngu-1% yemali yokuhlawula. Esi sixhobo sinikezelwa ngaphandle kwentlawulo.

5. Iirhafu zokuncedisa iakhawunti ye-settlement azifani kakhulu nabathengi kwiimarike.

6. Ukuhlawula imali. Unokurhoxisa imali kwi- checkbook okanye uyithumele ekhadini lebhanki elixhunywe kwiakhawunti yakho. Inketho yokuqala ayifanelekanga. Ukukhupha i-checkbook ufuna ngononophelo kwaye uqaphele. Ukurhoxisa imali, kufuneka uye eofisini. Ngoko ke, kungcono ukudibanisa ikhadi lomvuzo weplastiki kunye nokudlulisela imali kuyo.

Isiphelo

Ukuhlanganisa ibhizinisi, ungasebenzisa iseli kwiziko lemboleko. Indlela yokuvula i-akhawunti yokuhlawula i-PI eSberbank? Kuyimfuneko ukubonelela iipokethi zamaphepha kunye nokukhupha isicelo. Inkqubo iya kuthatha malunga neyure. Njengesiko esikhulu sezezimali zelizwe, iSberbank inikezela abathengi bayo ubuninzi beenkonzo kwiirhafu ezifanelekileyo.