Yintoni na le akhawunti ngama? Ukuqeshwa kunye kuvulwe i-akhawunti yebhanki ngama

Kwi 01.07.2014 izilungiso kwi-Civil Code, apho i baseRashiya avunyelwa ukuvula akhawunti kunye nezalamane. Kwizibakala, izimvo kunye neemeko zenkonzo, uya kufunda kweli nqaku.

ngumba

Imizamo yokuqala ukwazisa i-akhawunti ngegama kwenziwa ngo-2007. Ke ayenziwa kwimarike yemali. Kwamanye amazwe, 80% lwentengiselwano real estate zenzeke kunye nokusetyenziswa akhawunti Escrow. Uluvo ezisisiseko intshayelelo yabo ukunciphisa imingcipheko kweentengiselwano kunye njengabalamli, ezo arhente real estate.

Utshintsho kwi umthetho wabonakala ngo-2014. Ngoku, abantu baya kuba nako ukuthatha uncedo lweenkonzo ezimbini ezintsha. Vula akhawunti umtyunjwa nokwenza imicimbi kunye mali ezivela kwindlalifa. Okanye usebenzise iinkonzo yabameli (Escrow) kweentengiselwano.

intliziyo

akhawunti ngegama - iseli ebhankini, luvula umntu wesithathu ukwenza imicimbi nga umntana wakhe. contract Service ekunokugqitywa ngaphandle inxaxheba yomxhamli. Ukuba i-akhawunti ngegama Sberbank ivula ngabaxhamli ezininzi, iziko lamatyala kufuneka athathele ingqalelo iimfuno ngamnye kubo ngokwemeko izinto ezikhethekileyo ngaphandle kokuba kuchazwe ngenye indlela kwisivumelwano.

Isivumelwano kufuneka mayicaciswe gca inkqubo zokufumana ulwazi malunga nezibonelelo ezikhoyo kunye nomgangatho inxaxheba umntu lo, wawavulayo akhawunti umntana. Le ngokwemvumelwano mabaqeshwe eyabelwe umsebenzi ibhanki ukulawula umyalelo kunye nokusetyenziswa kwamabala mali. Ukumiswa imisebenzi, ukubanjwa kunye Ukuguqulwa imali ngemimiselo lomnini-akhawunti we akuvumelekanga. Kwimeko umntana oku kuya kufuna imvume enkundleni.

Ukuba i-akhawunti yebhanki ngegama evula umbutho zorhwebo, oko kuboniswa ngaphakathi 40702. ke, ngokutsho neMimiselo ye-Central Bank № 385-P, iziko unyanzelekile ukuba nokudlulisela ulwazi irhafu. Ukuba isicelo singeniswe ngamnye, ngoko yonke yezithuthi ziya kuboniswa kwi inqaku 40802, nto leyo wambu nguMthetho Federal "Kwi Idiposithi Insurance". umsebenzi yebhanki - esweni zokusonjululwa Escrow - hayi efunwa ngumthetho, oko kukuthi, ziza kulawulwa yi ikhontrakthi.

Escrow

I-Bank ivula i-akhawunti esikhethekileyo ingxelo-mali efunyenwe kumnini (abagcinisa) ukuze akhuphele kubo kumxhamli kwimihlaba ebekwe yi ikhontrakthi. imivuzo Escrow ayikwazi kuhlawulwa ngemali mali iseli ukuba asingeniswanga zinikwe kuxwebhu. Ezo ngxelo ilawulwa yi nezibonelelo jikelele Bank.

Ukwamkelwa kwezinye iimali abagcinisa Escrow, ngaphandle ukuba iimali ezichazwe isivumelwano, oko azamkeleki. Amaqela Ungasebenzisa imali kuphela imbonakalo elikhankanywe iimeko. Kodwa banelungelo lokufuna i-invoyisi eziprintiweyo, kunye nezinye iinkcukacha ezakha ukufihla bank. Akhawunti iya kuvalwa ekupheleni kwale mvumelwano. isicelo obubhaliweyo omnye amaqela kulo mzekelo akukho isiphumo.

akhawunti ngegama Ungavula ligqwetha, i-arhente ikhomishini, iarhente, kumabi intando ukwenza imicimbi nga umntana wakhe. Isivumelwano umiselo lwenkqubo zokufumana ulwazi malunga nokusebenzisa imali. Olona phawu ephambili Escrow kukuba ngaba ukuvula ukuba ukuqokelela imali, yaye ukuhlangabezana neembopheleleko. Ngokuqhelekileyo, iintengiselwano real estate. Le nkqubo imi ngolu hlobo lulandelayo: i indlu umthengi ivula Escrow kwaye kubeka isixa esithile kuyo. Emva kokugqitywa wentengiselwano umthengisi ufumana imali emva amaxwebhu lwesibonelelo engqina yokudluliselwa kobunini.

oya kuyo

EYurophu, ingxelo wesiqhelo zisetyenziselwa zokuhlala phakathi kwamaqela, nxaxheba zemakethi kwezithuthi emanzini, ngokunjalo zokwakha. It ikuvumela ukuba ngokukhawuleza ukufumana isiqinisekiso yebhanki kwi amagama kakuhle. Le nkonzo bakhuthalele usebenzisa amagqwetha kunye amaxwebhu emsebenzini wabo. Iivenkile Online ukuyisebenzisa ukuqinisekisa intlawulo iimpahla ngumthengi. Nasiphi na isivumelwano kuthetha ukubakho kwemiqathango ethile, ngaba kwenziwa akhawunti ezinjalo. Ingakumbi xa kukho imfuneko yokulawula olongezelelweyo.

enye indlela

akhawunti entsha ingasetyenziselwa iinjongo zakho. Umzekelo, ukuba iklayenti kwisiqulatho umzalwana ohlala kwesinye isixeko, ungenza ukuvula ebhankini iseli nokulawula iindleko mali. La maxwebhu kufuneka igcinwe egameni isalamane, kodwa beneficiary - umntu mali. Ukufikelela isiqinisekiso kweebhanki kuphela umntana. Ezinye izithintelo kufuneka kumiselwe kwisivumelwano. Umzekelo, ukuba uchaze ukuba le mali kufuneka isetyenziselwe kuphela ngokuhlawulwa eziluncedo, kunye notsalo imali - ban.

iingxaki kokwenziwa

Ekusebenzeni hlabathi esetyenziswa ngokubanzi akhawunti edibeneyo, kodwa baseRashiya ezininzi imibuzo malunga injongo yale ntengiselwano. Ukuza kuthi ga ngoku, oothixo wokwenene Escrow ngetyala kwaye ibhokisi idipozithi. Kodwa ezi nkonzo , amaziko ngetyala sipho akusoloko kunjalo.

Iingcali iphakamisa imibuzo emininzi. Umzekelo, i-arhente oba otyalwayo, ukuba ibhanki iya iyirhoxise ilayisenisi leyo? Kungenzeka, kuya kufuneka ukuba kumiselwe inshorensi okanye ukwenza ezinkundleni. Kodwa le imbuyekezo iinkqubo kufuneka ngokucacileyo ngokusemthethweni kwinqanaba mthetho.

Banks e Kazakhstan kunye Kyrgyzstan ngokuqhutywa elide inkonzo zolamlo kubaxumi bayo. Ivula akhawunti umtyunjwa kunye nokugcinwa yayo imali eninzi. Kuxhomekeka zeziko neenjongo, iindleko ekungabonini ukusuka ku-1 ukuya kuma-10 amawaka. Engange. Kuba kwafunyanwa ileta ngetyala e Kazakhstan kuya kufuneka ukuba uhlawule kathathu kwangangoko. iibhanki Russian ke akukho ziyakhawuleza ukunikela abathengi Escrow elide ukususela ekuqalisweni umthetho ayixhaswa yimimiselo Central Bank.

imali yeinshorensi

Zonke needipozithi zebhanki baseRashiya olukhuselwe ngurhulumente. Nokuba inshorensi umvuzo, nto leyo ikhutshelwa akhawunti. Kwimeko yimali ye kweplastiki abanini ibhanki kufuneka kufumana imbuyekezo kwiintsuku techenie14 emva kokuba iziko lamatyala wayeza iyirhoxise ilayisenisi leyo.

Ukubala imbuyekezo iquka yonke inzala elinelweyo kwi idipozithi. Kodwa esona sixa sikhulu ngomntu ngamnye kuphela kwizigidi 1.4 engange. (2015), oko kukuthi, ukuba umthengi wavula iidipozithi eziliqela zebhanki mnye, umzekelo, kumasebe ahlukeneyo, xa isiganeko benefits ziya kuthathelwa ingqalelo isixa-mali kuzo zonke ii-akhawunti. Ukubuyiselwa kwiidipozithi lwemali amazwe ihlawulwa engange ngokulinganisela okunanisa Central Bank. Kubonakala ngathi inkqubo eqhelekileyo.

Nayiphi na imibuzo malunga akhawunti ezimanyeneyo. Ukuba abaxhamli eziliqela, isabelo ngasinye kufuneka kuchazwe ngokucacileyo. Ukusuka eli xabiso kuxhomekeke Isixa sembuyekezo umtyali-mali ziya kufumana. Lo mthetho unika ukuba abanini ukwaba kuphela ngexesha kokubanjwa imali ukumisa isivumelwano. Imiyalelo amanyathelo ukutshona mbutho yabonakala kutshanje.

Ukuba, umzekelo, i-akhawunti yebhanki ngegama wavula abaxhamli emininzi imali engaphezu kwe-14 mln., Isixa sembuyekezo inshorensi iya kubalwa ngokuthi kususelwe eseleyo zizonke, kwaye hayi ngokwahlukeneyo umxhamli ngamnye. Nguwo lo logic. Ukuba iseli kunye, kwaye Isixa sembuyekezo kufuneka isasazwe kubo bonke abathathi-nxaxheba.

Ukususela 2015 asayine isivumelwano lwe akhawunti wesiqhelo kunokwenzeka kuphela kunye namaziko apho-50% bobabo capital kukarhulumente. Ngokuqaliswa kweenkonzo neebhanki bajamelana neengxaki: kukunqongophala isoftware eyimfuneko kunye nemimiselo lwangaphakathi elawula inkqubo yesondlo. Ngoko ke, ukhetho yemibutho ulinganiselwe.

Kulinganiswa umlondolozi

Ngaphambili, bonke sithembele imali zeewadi efakwe esiseleni ebhankini. Le umgcini akwazi ukudubula ngaphandle kwemvume umzimba karhulumente imali esingadlulanga lincinane subsistence ngenyanga nganye. Phantsi nemimiselo emitsha, zonke iintlawulo ezimelwe ukuhlawulwa umntu olungephi ukuya kufika kwi-akhawunti ngegama kwavulwa umntu wesithathu. Guardian unokusebenzisa imali ngokupheleleyo ngaphandle kwemvume.

akhawunti ngegama - ibhokisi idipozithi apho aya kufakwa pension, isondlo, kunye nezinye iimali ezihlawulwa ngenxa ulondolozo bewadi. Ezi nketho ke imivuzo kunye zokufunda zabafundi. Kulinganiswa umgcini uqala ntetho ye kuxwebhu ivela emzimbeni guardianship. Kuba isiphelo kwesivumelwano kufuneka unikezele iinkcukacha zabaxhamli: igama, umhla nendawo wokuzalwa, iikopi zamaxwebhu ezingqina iinkcukacha lewadi, idilesi yokuhlala oqinisekisiweyo. akhawunti Ikhontrakthi Umtyunjwa kunika ithuba lokuba ukudlulisela esele kwibhokisi idipozithi, vula kwamanye amaziko okanye kunikezelo kwemali, ngokuxhomekeka ukuvalwa umlondolozi wangoku. Imali kuqokelelwa ukuhlawulela noxanduva zeewadi kuphela ngokomyalelo wenkundla.

Escrow akhawunti

Izilungiso iKhowudi Civil wadalwa yi olunye uhlobo kwiibhokisi imali. Imali efunyenwe otyalwa onetyala, ukuze kufakwa kwi-akhawunti ekhethekileyo Escrow. Olu khetho kuvela emva kokuthumela ikopi yesivumelwano. Ngesicelo ebhankini ukuyithenga kufuneka kunikwe ingcaciso nge-intsalela zentengiselwano azenzileyo, nezithintelo kunye nezithintelo. Zonke izohlwayo ziya kubhalwa icinyiwe, ngokungqinelana ne Art. 349 ze-Civil Code,-akhawunti akananto unetyala ngayo. Kwi ezinjalo ibhokisi imali engakhankanywanga imithetho ekuthengisweni kwempahla (Art. 350-350.2 ye-Code Civil), kwakunye nemithetho yokuqokelelwa kwemali (Sec. 45 Code Civil).

isiphelo

Emva izilungiso weKhowudi Civil phezu inxeba iinkonzo zebhanki, iindidi ezintsha ze akhawunti: i wesiqhelo kunye Escrow. iiseli ezinjalo asivulele wesithathu, kodwa ilungelo imali kuba kumxhamli. Yintoni kulinganiswa Guardian? Le bhokisi deposit, nto leyo nguye mali iintlawulo yesondlo. Ukuziqhelisa yehlabathi, Escrow ukuvula xa ukuthenga ipropati, ukuba ukuqinisekisa intlawulo wo yingisela. AmaRashiya bakulumkele le nkonzo intsha. Ke inani lamaziko apho ukuvula i iseli joint anqongophele.