Isiqinisekiso seBhanki sokunyanzeliswa kwesivumelwano: isampula, ukuthumela, umhla wokuphelelwa yisikhathi. I-Sberbank: iziqinisekiso zebhanki zokunyanzelisa isivumelwano

Ukubhankanya ibhanki kuyisiqinisekiso sokuzaliseka kwezibophelelo kwiikontraka karhulumente. Inkqubo yokungeniswa kwayo kunye nayo yonke imiba yokusetyenziswa ichazwe kuMthetho we-Federal No. 44 "KwiSikontrakthi seNkontileka kwiNdawo yokuThengwa kweeMfuno zeMfuno zeMasipala".

Xa kufuneke ukuba iinqatyisi

Kukho imeko xa isiqinisekiso sebhanki singanikezelwa . Umzekelo, ukuba umqulu usayinwe phakathi kwemibutho karhulumente (nokuba ngaba amaphepha abonisa ngenye indlela). Isiqinisekiso sebhanki sokuthotyelwa kwekhontrakthi ayisebenzisi ukuba umcimbi wokuthengiselana ngumsebenzi wokuboleka imali. Umthetho unikezela ukuba umthengi angazimela ngokuzimeleyo ukunikezela okanye njengokuba usebenzisa olunye umsebenzi. Oku kusebenza kwixesha elilodwa lokuhlawulela elilinganiselwa kuma-ruble ayi-100 e-ruble, ukuthengwa kweempawu zenkcubeko, ukuthengwa kwezixhobo zasemkhosini ezingenalo efana neRashiya.

Kwakhona akukho siqinisekiso esifanelekileyo kwiimeko ezinjalo:

• Ukuba umntu othabathe inxaxheba yi-IP okanye intlangano yentlalo;

• Le projekthi icacisa iimeko zokuhanjiswa kwebhanki;

• Iintlawulo zangaphambili zihanjiswe kwi-akhawunti yombutho wendawo yengxowa-mali;

• Imali yokuhlawula kwangaphambili i-70% yeendleko zokuhambisa, kwaye ibhalansi iyahlawulwa emva kokusebenza kweenkonzo.

Ukuba isivumelwano sibonelela ukuthotyelwa kwesivumelwano, imimiselo yesiqinisekiso sebhanki kufuneka icaciswe ngokucacileyo kwiphepha.

Iimfuneko

Isiqinisekiso sebhanki sokunyanzeliswa kwekhontrakthi ye-VTB kufuneka sinezinto ezinjalo:

• Uhlobo (ukubuyela kwangaphambili, ukusebenza kweembopheleleko, njl.);

• Iimfuno zomxhamli;

• Iinkcukacha zekhontrakthi apho ukhuseleko lukhutshwa khona;

• Ifom yesiqinisekiso (esibhaliweyo, ngekhompyutha);

• Ifom (ibhanki, ecetywayo ngumzuzi);

• Isixa;

• Imali;

• Ixesha lesigunyaziso sebhanki sokuthotyelwa kwesivumelwano.

Kubalulekile ukuchaza ngokucacileyo umyalelo wendawo yokuhlala. Isiqinisekiso sinikwe umrhumo obekwe kwipesenti okanye isixa esiqinileyo. Amaqela anquma ukuba uya kuhlawulwa njani: ngexesha, kwishedyuli, ngaphambi kokukhutshwa, kude kube nomhla othile. Ngamanye amaxesha ibhanki idinga isibambiso ngesimo sepropati okanye ukuqinisekiswa.

Iintlobo

Ukuqinisekisa ukuqhutyelwa kwekhontrakthi karhulumente yisigunyaziso sebhanki esinokubonelelwa ngokuthatha inxaxheba kwithenda okanye ukukhusela imfuno yabathengi ngokuphumelela kwebhidi. Ngamanye amaxesha uxwebhu luqulunqwe kunye nokuhlawula ukuhlawula kwangaphambili. Ngoko umthengi uzama ukuzikhusela kubadlali abangenangqondo. Isiqinisekiso sesithethe sisetyenziswe kwiimeko zolawulo lwangethuba lweempahla kwintsimi yelizwe.

Khetha

Kukho iintlobo ezimbini zokubonelela izivumelwano zombuso:

1. Ukubonelelwa kwesiqinisekiso.

2. Ukutshintshwa kwemali kwingxelo yomthengi.

Umqhubi uyazikhethela ngokuzikhethela nayiphi na indlela yokukhetha. Ukukwazi ukusebenzisa isiqinisekiso sebhanki ngenxalenye, kwaye intsalela yokugcina imali ayifumaneki. Olu xwebhu lusayinwe kunye nesikhungo esisodwa semali-mboleko, yonke imali yokuhambisa.

Ububanzi

Isiqinisekiso seBhanki sokunyanzeliswa kwemvumelwano Unikwa kwisixa se-5-30% sexabiso eliphezulu, eliboniswe kwisaziso. Ukuba ixabiso lesivumelwano lidlula ii-ruble ezingama-50 ezigidi, eli nani liyakhula ukuya ku-10-30%. Isixa sobambiswano kufuneka sidlule kwisixa semali sokuhlawula kwangaphambili, ukuba lo mva ungaphantsi kwe-30%. Ngoko umthengi uqinisekisa umngcipheko wokungabikho kwembuyiselo yeemali, ukuba ityontrakta iyalahla imbopheleleko yakhe.

Ngokugqithiseleyo, umqhubi ubeka ngokukhawuleza ixabiso elincinci lomthengi ukuze atyekise abathengi. Kwiimeko ezinjalo, amanyathelo okulwa nokulahla asebenza . Ukuba ixabiso lekhonterikethi liphantsi kwekota okanye lingadluli iiruble ezigidi ezili-15, nokuba umthengi unikezela ngolwazi olubonisa ukuba ngumntu othatha inxaxheba ekuthengiseni, okanye kufuneka kubekho isiqinisekiso sebhanki sokunyanzelisa isivumelwano, isampuli leyo iya kuboniswa ngezantsi. Kwimeko yesibini, ikontraki iya kufuneka iqinisekise ingozi i-1.5 ngezihlandlo zangaphambili.

Ukubonelela ngendlela yemali

Ukutshintshwa kwenkqubo kwangaphambili kuyindlela ethembekileyo yokuqinisekisa iinjongo zamacandelo. Akukho mfuneko yokufunda imigangatho yebhanki, umngcipheko wokuba amaphepha ayamkelwe. Njengekhuseleko, ungasebenzisa imali yemali-mboleko.

Imali kufuneka ifike ngexesha elivunyelweneyo kule projekthi, ngaphandle koko isivumelwano asiyi kugqitywa. Kwiphepha ngokwalo, kufuneka ucacise umhla okhuselekile ngayo ukhuseleko. Ngokuqhelekileyo lo lulo suku olulandelayo emva kokusayina kwesenzo somsebenzi esenziwa.

Izixhobo

Isiqinisekiso sebhanki sokunyanzeliswa kwekhontrakthi angeke sikhutshwe yiyo naziphi na iziko lemali-mboleko, kodwa kuphela oko kufakwe kwiluhlu lwamacandelo eemali eziqinisekiselweyo kwiinjongo ze-NU. Inikwe kwiwebsite yeSebe lezeMali kunye neBhanki ephakathi yaseRashiya. Iziko lemboleko kufuneka lihlangabezane neemfuno ezilandelayo:

1. Unayo ilayisenisi yeCBR.

2. Yenza ibhanki ubuncinane iminyaka emihlanu.

3. Yiba neengxowa-mali ngokwazo kwi-ruble eyi-1 billion.

Iibhanki ezingaphantsi kwama-300 zihambelana nale mfuno ekuqaleni kuka-2015.

Izidingo

• Uxwebhu kufuneka luqulethe ingxelo ecacileyo yezibophelelo, isixa somthengi. Xa kwenzeka ukulibaziseka kwiindawo zokuhlala, iBhanki izimisele ukuhlawula isohlwayo esingu-0.1% ngosuku.

• Isiqinisekiso kufuneka singenakuguquka, oko kukuthi, enye ayikwazi ukurhoxiswa yibhanki phantsi kwayo nayiphi na imeko.

• Umhla wokubhengezwa uthathwa njengomzuzu wokusebenza kwezibophelelo.

• Ukuthotyelwa kwesivumelwano siqinisekiso sebhanki. Ixesha elifanelekileyo kufuneka libe ubuncinane iintsuku ezingama-30 ngaphezu kwexesha elifanelekileyo lekhonkontileka.

• Umthetho uvumela umthengi kwiimeko zokulibaziseka kwiintlawulo kwiintsuku ezingama-5 ukwenza ukubhalwa.

Isigqibo malunga nokuthotyelwa kwesiqinisekiso kunye nazo zonke iimfuno zomthengi kufuneka zenziwe zingadlulanga iintsuku ezintathu. Ukuba ukhuseleko aluhambelani neemeko, kubalulekile ukubonelela umqhubi ngenqatshwa ebhaliweyo ebonisa isizathu. Kukho uninzi:

Isiqinisekiso sebhanki sokunyanzeliswa kwekhontrakthi asibhaliswanga kwiRejista yeSebe likaMondyebo.

2. Le ngxelo isayinwe liziko lemali, elingenalo uluhlu lweSebe lezeMali.

3. Isivumelwano asihambisani neemfuno zoMthetho weNombolo No. 44.

Kho mishoni

I-algorithm yokusayina i-securities iyafana nenkqubo yokukhupha imali mboleko. Isigqibo senziwe ngesiseko sokuhlaziywa kwamaphepha omthengi. Ngokwenza oko, le nkqubo ithatha ubuncinane iiveki ezimbini. Iziqinisekiso zebhanki ze-Sberbank zokuphunyezwa kwekhontrakthi ngamnye kumthengi ngamunye, phantsi kwemiqathango yombuso. Ngokwenza oko, isixa esiphezulu asidluli kwi-25% yexabiso lesivumelwano. Njengemboleko, iSberbank inikeza iziqinisekiso zebhanki ukuqinisekisa ukusebenza kwesivumelwano, kungekho sikhululekile, kodwa ngemali ethile. Ixabiso lekhomishini lixhomekeke kwisixa semali, imiqathango, ukufumaneka kwempahla.

Izinzuzo

Isiqinisekiso seBhanki - njengokhuseleko lokusebenza kwesivumelwano-sivumela umthengi ukunciphisa ingozi yokusebenza kakubi. Ummangali angangena kwiimarike zemiyalelo karhulumente kunye neenkampani ezinkulu. Ukusetyenziswa kwesigunyaziso asinakuguqula imali kwi-circulation, ukuyalela ukuba bahlawule ngemisebenzi yangoku okanye iindleko zokugubungela. Ukuba ubeka iimali ezifumanekayo zexeshana ze-deposit, inzala yengeniso iya kudlulela inani lekhomishini ehlawulwe isiqinisekiso. Iziko lemali-mboleko ezivela kuloo ntengiso lifumana inzuzo eyongezelelweyo. Ngexesha elifanayo, lithatha uxanduva lweetyala zeenqununu.

Isiqinisekiso seBhanki yokunyanzeliswa kwesivumelwano: isampuli

Isebe le-JSC (umgcini-mboleko) elimele umlawuli we-Petrov II, osebenza ngesiseko sommeli wenombolo No. AA75, uyazisa: uyazi ukuba i-CJSC (inqununu) yavakaliswa ukuba iphumelele kwintengiso ukuba inelungelo lokugqiba isivumelwano sokwakha i-LLC (umxhamli) Oko kuphumela kwisivumelwano.

I-guarantor iqinisekisa ukuzaliseka kwezibophelelo zeenqununu.

Olu xwebhu luqala ukusebenza ukususela ngexesha lokusayina kwalo.

I-Guarantor yenza uhlawulela imali yokuxhamla ngemali engadluli kuma-400,000 (amawaka angamawaka amawaka) iiruble, zingaphantsi kwe-3 (ezintathu) iintsuku zoshishino ekufumaneni imfuno equlethe:

• Isaziso sokuphulwa komhla wokugqibela ngenqununu;
• Inkcazelo yezibophelelo.

Isicelo kufuneka sihambisane namaxwebhu alandelayo:

• Ikopi eqinisekisiweyo yesivumelwano;
• Ibango ngokungagqibekanga;
• Iikopi za maxwebhu anika igunya labasayina bexwebhu.

Ibango kufuneka linikezwe ngexesha lewaranti kwidilesi: iBelgorod, ul. Road 1.

Umthwalo we-guarantor ulinganiselwe kwintlawulo yemali apho eli datshulwa lisayinwe, kwaye iyancitshiswa ngemali ehlawulwe kumxhamli.

Olu xwebhu lwenziwa kwikhophi enye kwaye lusebenza kuze kube ngomhla wama-31.12.2015.

Isiqinisekiso seBhanki malunga nokusebenza kwesivumelwano: ukuthumela

Xa umxhamli efumana imali, uyaziqwalasela kwi-BU ngeakhawunti 51 "Iingxelo zebhanki" kunye no-76 "Ukuhlala kunye nababolekisi". Ukuhlawulwa kweenqununu kuboniswe kuxhomekeke kwimiqathango yemfanelo: kwi-akhawunti ye-58-3 "Imali", 62 "Ukuhlala kunye nabathengi", 58 "Finvlozheniya." Umxhamli kufuneka aqaphele imali efunyenwe njengentlawulo yomyalelo welizwe, imveliso evela kwintengiso. Ibhanki iqinisekisa njani isiqinisekiso sebhanki sokuthotyelwa kwesivumelwano? Ukuthunyelwa kufakwe kwitheyibhile elingezantsi.

Oko, enyanisweni, konke okufanelekile ukuthobela ingqalelo xa ulungisa iziqinisekiso zeebhanki.