Kuhlawulwa i-akhawunti - it ... Ukuvula i-akhawunti. SP akhawunti Current. Ukuvalwa akhawunti yangoku

Naluphi na uhlobo zokwenza ushishino kubandakanya cash flow. oosomashishini Individual omncinci umsebenzi sikwinqanaba lokuqala lophuhliso neshishini ukwenza iintlawulo zeempahla neenkonzo yimali eziinkozo. Kodwa kungekudala kuza ixesha xa ufuna ukuvula isixa-akhawunti. Oku akuthethi ukuba kufuneka kwangoko ebhankini kunye isicelo. Okokuqala, kufuneka amisele inkqubo jikelele okuvulwa, ukugcina kunye nokuvalwa akhawunti. Emva koko kufuneka bahlalutye imiqathango yeebhanki ezahlukeneyo uze ukhethe ukhetho engcono.

Kutheni ufuna i-akhawunti yangoku ye-Savings Bank

Ngokwemigaqo yomthetho, isigqibo ukuvula i-akhawunti kuthatha entrepreneur ngokwakho. Ukuba ukuziphatha scheme cash akukho ngokuchasene nemithetho ye-Russian Federation, i-SP kwaye inkampani awusebenzi lebhanki ngalo mba. Enye into kukuba nkampani ngokupheleleyo lisebenza ngaphandle kokuhlola akhawunti akunakwenzeka. Umzekelo, ukuba iziko engena kwikhontrakthi ukuba zizonke zisisixa se-100 000 engange, ngoko loo ntlawulo kufuneka kwenziwe ngalo ebhankini. Esi sixa-manani lixabiso esezantsi umda kweekhontrakthi LLC. Ukongeza, iirhafu kunye nezinye iintlawulo ezinyanzelekileyo ahlawulwa kuphela yebanki. Kubonakala ukuba le akhawunti zokusonjululwa mbutho kukho unxibelelwano.

Siqokelela iinkcukacha

kuhlawulwa i-akhawunti - i-akhawunti, yenziweyo iziko lamatyala egameni umxhamli imali ukugcina kunye ikheshi iintlawulo.

Emva kokuba isigqibo entle khona i-akhawunti kufuneka babenolwazi bokuqonda ezisisiseko nkqubo, eyile:

- Yintoni ezifunekayo amaxwebhu ukuvula i-akhawunti;

- izizathu ukuba ukulahlwa;

- ke bokuqonda ubudlelwane phakathi ebhankini kunye client;

- Inkqubo emayilandelwe xa kuvalwa i-akhawunti;

- umhla ukubonelela ngedatha ukuba amaqumrhu alawulayo malunga kuvulwa okanye ukuvalwa le akhawunti.

inyathelo elinye

Ukuvula i-akhawunti yebhanki lwenzeka ngokusekelwe maxwebhu athile. Nangona bank ngalinye uneempawu zaso, uluhlu jikelele ukuba iqumrhu elisemthethweni ngolu hlobo lulandelayo:

- isatifiketi sobhaliso;

- isatifiketi sobhaliso kwirejista eyodwa;

- iikopi mnqophiso;

- uxwebhu engqina igunya abantu abakwaziyo ukufikelela kwi-akhawunti (abaqali 'intlanganiso protocol sokuqeshwa kwisikhundla sokuba ngumlawuli, umyalelo phezu ukuqeshwa zincwadi oyintloko, njalo-njalo);

- amakhadi kunye iisampulu iisiginitsha abantu abakwaziyo ukufikelela kwi-akhawunti; seal umbono;

- ulwazi malunga nokwamkelwa yobhaliso beshishini irhafu, imali yomhlalaphantsi, imali extra-mali;

- isatifiketi sobhaliso kwimizimba izibalo;

- iphepha-mvume imisebenzi zemali.

Ifomu yesicelo ikhontrakthi yesondlo yokuvula akhawunti umthengi inikeza umsebenzi bank. I-Bank angacela amaxwebhu ezongezelelweyo: a profile client; Ukongeza kwisivumelwano kwi-akhawunti iikontraki njalo njalo.

Akhawunti ye amaqumrhu asemthethweni - non-abahlali

Ngaphambi kokuba ungenise onke amaxwebhu kufuneka ubhalise kwi-Embassy of the Russian Federation of wamanye amazwe. Ukongeza, onke amaxwebhu kufuneka inguqulelo kubameli eqhotyoshelweyo kwi Russian (umbhalo, izitampu, seals, Apostilles, njalo njalo). Uluhlu ephambili lwamaxwebhu kuhlala enye.

Amaxwebhu: akhawunti yangoku koosomashishini ngabanye

- isiqinisekiso sobhaliso karhulumente;

- isatifiketi sobhaliso kwirejista enye, isiqinisekiso umsebenzi Enterprise, OKATO, NACE mazifumaneke kwakwenziwa isicelo ngaseludinini;

- simunce enobunye kaRhulumente Register SP;

- amakhadi kunye iisampulu iisiginitsha abantu abakwaziyo ukufikelela kwi-akhawunti; seal okuvelayo (ukuba kuyasebenza oku);

- sicelo (kwifom lomlambo);

- kwimvumelwano yokwenza inkonzo (ngohlobo lebhanki);

- ipasipoti;

- isivumelwano malunga nokuphunyezwa kwemisebenzi ukufumana iintlawulo ezivela kubantu.

Decrypts inombolo akhawunti

iikopi kubameli yamaxwebhu usemthethweni umqeshwa yebhanki ibonelelwe ukulungiselela uqinisekiso kunye akhawunti lokuvula. akhawunti yangoku Savings Bank iqulathe lemivo-20. I zokuqala ezintlanu ukuchaza ishishini engundoqo kunye uhlobo impahla ye client:

• 40701 - amaziko abucala;
• 40702 - imibutho engenzi-nzuzo;
• 40703 - imibutho engenzi-nzuzo;
• 40802 - ngabanye - SP;
• 40807 - Non-abahlali - amaqumrhu asemthethweni;
• akhawunti engange of non-abahlali - 40818;
• 40819 - akhawunti lwemali of non-abahlali;
• 40821 - abantu - non-abahlali.

Amanani emithathu elandelayo amisele lwemali lwe akhawunti:

• 810 - engange;
• 840 - dollar;
• 978 - euro.

Imivo 11 zilandelayo zimele inombolo isebe, inani lothotho inani umthengi okanye isivumelwano sakhe.

Ukwala ukuvula i-akhawunti

I-Bank angala ukuvula i-akhawunti ye client ukuba:

- kukho isigqibo evela irhafu kokunqunyaniswa kwenkonzo akhawunti ngaphambili wavula;

- IP, okanye ummeli wakhe engekho umntu ngexesha akhawunti lokuvula iinkqubo;

- umthengi libonelele amaxwebhu kunye data akuyonyani;

- umxhasi akuthethi ukunika amaxwebhu jikelele;

- kukho ubungqina inxaxheba kwimisebenzi kwabanqolobi client.

Kwimeko zokwalelwa ukuvula i-bank account umsebenzi ubuyela isicelo client kunye nenqaku le zokwala kwaye echaza isizathu okanye ukuthumela ileta ahambelanayo. Isicelo yaye onke amaxwebhu phinda njengommeli zabathengi ukuba irisithi.

Features inkonzo lokuhambisa IP

Nezolo IP akhawunti, unako ukuvula nayiphi na ibhanki Russian. Kodwa ke umbuzo kukuba kwamanye amaziko zamaxabiso aphezulu kakhulu inkonzo le akhawunti. Iibhanki zidla imirhumo yesondlo kwiinkampani enomda kubutyala kunye noosomashishini ngamnye kwintlawulo amakhulu amabini engange yokugqibela inyanga, ukuba inani imicimbi engekenziwa kwi-akhawunti iziqwenga hayi ngaphezulu kwe mabini ngenyanga nganye. Ukuba akakho lungamkeleki, iKhomishoni akayi kuhlawuliswa. Ekubeni oosomashishini ngabanye badla ukusebenza ukude, ukufumaneka simahla zebhanki Internet ngeenjongo zokuya imali ekhawulezileyo uthumele iintlawulo ziya kuba luncedo olukhulu xa ukhetha ebhankeni inkonzo.

Phambi kokusayina isivumelwano kufuneka ahlawule ingqalelo iindleko nkonzo zilandelayo:

- nokuvulwa, wokuvala, ulawulo-akhawunti;

- Ukufakelwa nokugcinwa zebhanki intanethi;

- ukuthunyelwa kwemali kwiKomishoni kwi-akhawunti yangoku kunye nezinye iibhanki.

Iimpawu ukurhoxiswa imali PI

Ukuba kuvulwa inkqubo yenkampani noosomashishini malunga enye, ngoko ke ukususwa umvuzo entrepreneur umntu imibandela enokuvela. Yonke imali kwi-akhawunti yangoku ephethwe yi usomashishini osakhasayo. Ngokutsho komthetho Russian, yonke ingeniso IP, ezo zifunyenwe ngenxa yomsebenzi loosomashishini, ngusomashishini Uchitha zayo. Ngethiyori, idiphozithi ndirhoxise imali ukuze bazisebenzise kwi-akhawunti nangaliphi na ixesha. Nto ithetha ukuba, iindleko ishishini kubhetele ukuba usebenzise ii-aplikeshini zeqela lesithathu.

Kodwa ukuba akhawunti yangoku - akhawunti yale ntengiselwano evela kwimisebenzi zoshishino, ke umbuzo ovelayo umbuzo, indlela ukususa imali SP-ya-. Ukhetho best - ukutshintshela iimali ukusuka kokuhlaliswa akhawunti yangoku yomntu. Xa izimvo kwintlawulo kwiimeko ezinjalo kuyimfuneko ukuba ukhankanye "Ukudluliselwa kwemali yakhe, hayi i-VAT."

izikhulu inkampani ongenalungelo ngokusemthethweni ukuba alahle le mali kwi-akhawunti iqumrhu elisemthethweni ukulungiselela iinjongo zakho.

lokuyeka kwinkonzo

Ukuvalwa kwe-akhawunti yangoku - ukupheliswa kwesivumelwano kweenkonzo zebhanki. Phantsi komthetho ngokwemvumelwano mabaqeshwe kupheliswa:

- ngesivumelwano zamaqela;

- unilaterally;

- ngokwesiseko isigqibo senkundla;

- kuba ezinye izizathu kubonelelwe kuMgaqo-mthetho.

Unilaterally ngenyathelo ibhanka kuhlawulwa yi-zokuhlala. Oku kuthetha ukuba imvumelwano ipheliswe yinkundla ngenxa yokungabikho imisebenzi iintsuku ezingama-365. Ukuba akukho intengiselwano akhawunti iminyaka emibini, ibhanki uya kwala inkonzo kwaye urhoxisele isivumelwano zingaphelanga iinyanga ezimbini ukusukela kumhla isaziso umthengi.

Kwakhona unilaterally olwaqalwa ngumxhasi masivalwe yi kulendawo. Oku kuthetha ukuba umntu unakho ngalo naliphi na ixesha isicelo qhawulo inkonzo. Ubukho kwamaxwebhu ezingekahlawulwa akukho isiseko ukwala ukuvala le akhawunti.

Ngokutsho akhawunti inkundla kuvingcwa kwezi meko zilandelayo:

1. Ukuba akukho imali kwi-akhawunti inqanyulelwe isivumelwano. Lo Mthetho osaYilwayo entsha umthengi iya kuvulwa kuphela emva kokuba ukususwa kwegunya werhafu.

2. Ukuba unayo imali kwi-akhawunti, kukho iindlela ezimbini:

- isivumelwano ayikho kupheliswa kwaye akhawunti ivaliwe de okukunyusa nokunqunyanyiswa wenkonzo;

- isivumelwano luyekisiwe, le akhawunti ivaliwe de okukunyusa nokunqunyanyiswa le nkonzo.

iimeko ezizodwa

Ukupheliswa inkonzo lwenzeka ngomhla ebhankini wafumana ingxelo ebhaliweyo evela umxhasi, ukuba ngxelo ingakhankanywanga umhla kamva. Ukuba, ngeli xesha kwi-akhawunti zezi imali eziinkozo iya kuhlawulwa ngumxhasi ukusuka kwirejista basis of ibhanki okanye idluliselwe kwi-akhawunti echazwe ngumxhasi, zingadlulanga iintsuku ezisixhenxe kwikhalenda. Xa engekho iinkcukacha ngokutshintshelwa okanye unika mali umxhasi yemeile ingagcinwa ngendlela ekhethekileyo akhawunti off-eseleyo phambi kokuphela kwethuba mda. Emva koko, baya kubhalwa phaya kwingeniso ebhankini. Nawaphi na amaxwebhu imali kunye nokuhlaliswa efunyenwe yi-Bank emva kokuvalwa kwesivumelwano, babuyela umthumeli ngophawu ahambelanayo. Ukuba ukukwazi ukuthumela imali kunye namaxwebhu kwisamkeli client ongekhoyo, umzekelo, ivaliwe ebhankini, bona (imali kunye namaxwebhu) zigcinwa kwisebe zomthetho yebhanki leyo. Onke amaxwebhu zixhomekeke-inventri umthengi.