Ukuhlala kunye neenkonzo zemali kwiinkampani zomthetho. Uluhlu lweenkonzo zebhanki

Nayiphi na inhlangano ekuhambeni komsebenzi yenza iindawo zokuhlala nabathengisi, ifumana iintlawulo ezivela kubaxumi, imiba yemivuzo kubasebenzi. Iingeniso zokuthengisa iimali zentengo yemali kwi-akhawunti, kunye nabathathi-nxaxheba bezoqoqosho bangaphandle bahlala kwiindawo zokuhlala kunye namaqabane angaphandle. Oko kukuthi, iinkonzo zokuhlala kunye neenkonzo zemali zamashishini angomthetho yinkonzo ebhanki efunekayo. Umbuzo wendlela yokukhetha i-credit institution efanelekileyo kule njongo.

Yintoni endiyifunayo?

Ininzi imibutho isebenzisa iseti efanelekileyo yemisebenzi. Ewe, kwaye iRKO kwiminyaka yamuva ikhulise kakhulu. Ngoku oku akukhona kuphela iinkonzo zokuhlala kunye neenkcukacha zekharityhulam kubaxhasi, kodwa uluhlu lweenkonzo, kuquka:

• Ukuphathwa kweAkhawunti nokudluliselwa kwemali;
• Ukulondolozwa kude;
• Iiprojekthi zemivuzo;
• Iinkonzo zemali (ukufumana imali eyimali).

Ukukhetha ibhanki kwinkonzo, kufuneka uqwalasele izinto ezininzi.

Iindleko zeCW

Ukuvulwa kwee- akhawunti ezinkulu kunye nolongezelelweyo lwee- akhawunti zeemali zangaphandle , umrhumo wambi uhlawuliswa ngamanye amaxesha. Le yintlawulo yexesha elilodwa kunye neyona nto ingabalulekanga, umzekelo, ukusuka kwiinkonzo zemali zabathengi. Iphuzu lokurhweba kufuneka linikeze imali kwibhanki yonke imihla. Iqoqo leemali liyalwe kule njongo. Le nkonzo ihlawulwa. Ukuba umthengi ngokwakhe uzisa imali kwi-ofisi, intlawulo yokudluliselwa kwabo kwi-akhawunti kuxhomekeke kwinani lentengiso. Ingakumbi yazo, ixabiso eliphantsi.

Ukuphunyezwa kweentlawulo ezingekho kwemali nazo zihlawulwa ngokuxhomekeke kwinani lentengiso. Ezinye iibhanki zibeka umrhumo osisigxina ngenyanga.

Amaziko emali ngabanye anika inkonzo yephakheji. Iquka inani lemisebenzi kwinani elingalindelekanga. Bala izibonelelo zale nkonzo zingasebenzisa IP. Ukwenza oku, kufuneka uqhathanise inombolo ephakanyisiweyo yokusebenza kwiphakheji ukuya ngqo. Kutheni nje IP? Kungenxa yokuba usomashishini-bucala kuphela onokuqhuba iintsebenzo ezintlanu ngenyanga: thumela irhafu kwi-bhajethi kwaye uyitshintshe umvuzo wakhe kwi-akhawunti yangoku kwiakhawunti yekhadi.

Ezinye iintlawulo

Amashishini anika umvuzo kubasebenzi kufuneka ahoxise imali kwiakhawunti zabo ubuncinane kanye ngenyanga. Ikhomishana ityala kwakhona kulo msebenzi. Isabelo seengonyama seendleko kukudluliselwa kweemali kumakhadi eplastiki. Nangona kunjalo, le nto yendleko ingancishiswa ngokukhupha iprojekthi yomvuzo ebhankini.

Eyona nto ifunekayo namhlanje isevisi yasemagqabini isetyenziselwa abashishini nabazimeleyo. Inkqubo "ibhanki-iklayenti-online" ikuvumela ukuba ugcine ixesha, iphepha kunye nemali yokwenza iintlawulo. Amanqaku amaninzi amatyala ahlawulisa umrhumo wokufaka inkqubo kunye nokubonelela ngezixhobo zecomputer, kodwa ukugcinwa kwayo kubandakanywa kwiindleko ezipheleleyo zepakethe.

INkonzo

Indima ebalulekileyo iphinda idlalwe ngumgangatho kunye nesantya senkonzo. Ngaphambi kokuvula i-akhawunti yokuhlawula i- LLC okanye i-IP, yiza kwisebe lebhanki kwaye uthethe nabasebenzi ukuba ubone ukuba unokusebenzisana nabo. Kule nqanaba, kufuneka uhlalutye uluhlu olupheleleyo lweenkonzo ezinikezelweyo, ukungabikho kobukhosi kunye nobude bomhla wokusebenza.

Ukuhlala kunye nokuthengwa kwemali yabathengi kuhlolwe kwakhona ngesantya sokucwangciswa komqulu. Kucacile ukuba iintlawulo zenziwe ngokulandelana komyalelo jikelele. Kodwa ngamanye amaxesha kukho isidingo sokwenziwa ngokukhawuleza kokusebenza, umzekelo, ukuba intlawulo ibunjwa ekupheleni komhla wokusebenza. Kwiininzi zeebhanki, le ngxaki ingasombululwa ngenye ifowuni kubasebenzisi beefowuni kunye nesicelo sokukhawuleza ukufezekisa. Kwamanye, kufuneka ufake isicelo esilungiselelwe ukuqhutyelwa kweentlawulo ngokukhawuleza.

Indawo yesikhungo sesikweletu

Oku, nangona kungabalulekanga, kodwa kuseyona nto ebalulekileyo. Ukuba khona kwenethiwekhi yamasebe kubaluleke kakhulu ukuba umsebenzi we-entrepreneur akaxhomekeke kwidolophu enye. Kule meko, unokufaka isicelo kunaliphi na isebe lebhanki kwaye ukhuphe ngokukhawuleza imali kwi-akhawunti yakho yangoku.

Oku kuquka ukufumaneka kunye neendleko zezixhobo zesofthiwe. Inkqubo "ibhanki-iklayenti-online" ikuvumela ukuba wenze iintlawulo kwiindawo zonke kwihlabathi ukuba unxibelelwano lwe-intanethi.

Ukufumana mboleko

Umba wokusebenzisa imali ebolekekile kuxoxwa kangcono kwisigaba sokuqala ngaphambi kokuvula i-akhawunti. Kuhlala kulula ukuthetha ngebhanki yakho "kunokubheka ezinye iimbonelo kwimarike. Ngaloo ndlela, isikhungo semali-mboleko sidinga amaphepha angaphantsi kubaxhasi bawo kwaye iqwalasela izicelo ngokukhawuleza.

Unokwenzeka ukuba izimo ezicetywayo aziyi kuhambelana nomrhwebi kakhulu. Kulo mbandela, inkampani ilula kakhulu. Bavunyelwe ukuba babe neeakhawunti ezininzi zokuhlala. Kodwa i-IP iya kufuneka ifune enye ibhanki. Kwaye kunye nenxalenye yeziko lemali ayiyi kusebenza. Ukudluliselwa kwenkonzo kwelinye iziko lemali-mboleko liphantsi kwentlawulo.

Imeko kwimarike yaseRashiya

Emva kokuqwalasela izinto eziphambili ekufuneka uzinake ngazo xa ungena kwisivumelwano seenkonzo zemali zamashishini omthetho, masiqhube phambili ekuchazeni iipakethi zeenkonzo kwiimarike. Zonke iibhanki ezihlolwe ngezantsi zihlolwe ngokwemiqathango echazwe ngasentla.

I-JSC "iSberbank yaseRashiya"

Ukuze kukhishwe isivumelwano seenkonzo zemali kwiinkampani ezisemthethweni, ngaphezu kwiphakheji eqhelekileyo yamaxwebhu, kubalulekile ukulungiselela isivumelwano sokuqeshisa indawo apho iofisi yombutho ikhona khona. Emva koko kufuneka ulinde iintsuku ezintathu, hlawula ngemali enye nge-ruble ezi-2. Ukuvula i-akhawunti, kwaye ke uhlawule iindleko zerhafu ekhethiweyo (ii-ruby 2,2-3,1 zamawaka). Le ntlawulo ibandakanya iindleko zokulawula i-akhawunti, ukugcinwa kwendawo ekude, iintlawulo zekhompyutha, zonke iintengo zemali kunye nokunikezelwa kweziqinisekiso.

Njengeziko elikhulu lekhredithi, iSberbank ine-network of branches, ukhetho olukhulu lweenkonzo ezibonelelwa ngeendleko eziphantsi. Kodwa ubungqina bathengi baqinisekisa ukuba umgangatho wenkonzo ushiya into enqwenelekayo. Iingqameko eziqhubekayo kwirejista yemali, ukuqhutyelwa kweentlawulo ezide kunye nokuxhaswa kobuthakathaka obuthakathakayo akunakulungele ibhanki.

OAO Gazprombank

Iikopi ezingabhalwanga zincwadi ezixhomekeke kwisicelo sokuvulwa kweakhawunti yokuhlawula kwiinkampani zomthetho ziqwalaselwa kwiiveki ezimbini. Ngaphezu koko, inkonzo yokhuseleko ifike kwi-ofisi yokubhalisa esemthethweni yequmrhu elisemthethweni. Le ngenye yezinto ezincinci zeziko lekhredithi. Zonke iinkonzo zinikezelwa kungekho kumabala, kodwa ngokwahlukileyo. Ukugcinwa kweAkhawunti kukhululekile. Kodwa ngenxa yokufumanisa kwakhe kufuneka uhlawule ii-ruble eziyi-2.5 zamawaka. Imali enye iyahlawulwa ukusuka kuma-ruble ayi-13 ukuya kuma-100.

ZAO "VTB 24"

Ibhanki yephondo yesibini inikeza imiqathango yenkonzo enomtsalane kunye nenomgangatho . Isicelo se-"VTB 24" senkxaso yemali yamashishini angomthetho siqwalaselwa kwiintsuku ezintathu, akukho zitshengiselo ezongezelelweyo ezenziwa, kodwa ngokukhawuleza ivula i-akhawunti yokuhlawula i-ruble eyi-2. Inyanga yokuqala umthengi uhanjiswa ngokwemigaqo yokuqala iphakheji ye-ruble eyi-1.2 yeeyure, kwaye ke ukhetha isicwangciso-mali esifanelekileyo (ukusuka kuma-ruble ayi-3). Iintlawulo zicutshungulwa ngentengo yama-ruble angama-25/60 ngeqhekeza (iphepha kunye nekhompyutheni yekhompyutha, ngokulandelanayo). Ukurhoxiswa kwemali, umxhasi uya kufuneka akhokhe i-1% yesixa. Ukunikezelwa kwenkonzo yokukhawuleza inkokhelo ayihlawulwanga imali encinci. Le yodwa impazamo yeziko lemboleko.

Rosselkhozbank OJSC

Intlawulo yokuvula i-akhawunti yi-ruble ayi-2.

Inkonzo yenyanga - ii-ruble eziyi-800.

Ukulondolozwa kude - i-ruble 200.

Ukukhupha iintlawulo - ukusuka kuma-ruble angama-30.

Iimeko ezifanayo zibonelelwa yi-FC Otkritie. Ukwahlukana kuphela kukuba izicelo zeenkonzo zemali kubathengi zamukelwa ngokuthe ngqo kwi-intanethi ngqo kwiziko.

I-OJSC "I-Alfa-Bank"

Iziko leziko lekhredithi linomnatha ovelisiweyo lwamasebe kunye nenkonzo ephakamileyo. Xa unqume ukuvula i-akhawunti apha, ungasebenzisa inkonzo yokubhuka iinkcukacha, fowuna umphathi ngqo kwiofisi, ukuba akukho ithuba lokutyelela iofisi yakho. Ibhanki ikhuthaza abathengi ukuba basebenzise isondlo esisekude. Ukwenza oku, wabeka iirhafu zokusetyenziswa kwentlawulo yekhompyutheni kwinani lama-ruble 0, kunye nephepha-150 ruble. Imirhumo yenyanga ivela kuma-ruble angama-555. Ngaphambi kwentlawulo ufumana isaphulelo sama-25%. Ukufumana inkonzo ephezulu yokugcinwa, inkokhelo enkulu ihlawuliswa. Ngethuba elifanayo, isikhungo semali-mboleko silawula ngokucacileyo onke amaxwebhu angeniswe.

Promsvyazbank OJSC

Ukuze ube ngumthengi weziko lekhredithi, kufuneka uhlawule ama-ruble angama-590. Ukuvula i-akhawunti kunye namanye ama-ruble ama-550. Ngenxa yokuziphatha kwakhe. Ibhanki iyavuma ukuhlawulwa kwangaphambili kweenyanga ezintathu, ezintandathu kunye nonyaka ngelixa ixabiso leenkonzo liyancitshiswa. Inkonzo ibhetch. Kule meko, abathengi bangasebenzisa inkonzo ye-PSB ngezinga eliphezulu lokukhuselwa kwentlawulo ye-inthanethi mahhala. Umrhumo wodwa kuphela ogqithiseleyo kwixabiso lentengo yintengiso yintlawulo yokufumana imali ngemali-ukusuka kwi-1% ukuya kwi-12%.

IRoberbank OJSC

Kubathengi bayo, isikhungo semali-mboleko sinikeza iinkonzo ezi-6. Imirhumo kwi-RCO iyancitshiswa ukuba, kunye nokuvulwa kwe-akhawunti, umthengi ubeka iprojekthi yomvuzo, mboleko, uvula idiphozithi okanye ikhadi. Intlawulo yexesha elilodwa i-ruble 1200. Usadinga ukuhlawula iiruble ezingama-450 ngokugcina i-akhawunti. Enye inzuzo-ukufakwa kwemali engama-2% kwi-akhawunti yemali kwi-akhawunti, ngaphezu kwama-ruble angama-300. Umthengi uhlawula iinkonzo azisebenzisayo. Kodwa iintlawulo ezikhethiweyo zisebenza kuphela kuphela ngokuthengwa kwemveliso eyongezelelweyo.

ZAO "RaiffeisenBank"

Iindleko zepakethe yeenkonzo zincike kwimbuyekezo yenkampani. Intlawulo ephantsi kakhulu "iSisiseko" inikwe iibhulethi ezingama-1200. Ngenyanga. Le mali ibandakanya umrhumo wokuvula, ukugcinwa kunye nokugcinwa kwendawo. Ukuqwalaselwa kwintlawulo nganye emva kwe-20 kwi-akhawunti umrhumo we-ruble 25/120 uhlawuliswa. Ngomnye (i-electronic / paper version). Inzuzo yokusebenzisa iinkonzo zebhanki kukuba iphakheji inikeza iipedals kunye neprojekthi yomvuzo kwiimfuno ezikhethiweyo. Kodwa abathengi abaninzi banokudideka yinkalo enkulu yokhetho olongezelelweyo olungadingekile.