Idiphozi Bank

idiphozi Bank noma umnikelo ingenye yezindlela ezilula futhi ethandwa kakhulu ukulondolozwa kanye nekusita ukonga zabantu. Ngaphambi ukutshala imali yakho endaweni eyodwa noma kwelinye ibhange (noma amasheke), zimali ngayinye idinga ukuthi ukwazi okungenani ulwazi oluyisisekelo zezimali mayelana nokusebenza amabhange nge imali.

Imali amabhange ziyadingeka ukuthatha kuphela ngesisekelo isivumelwano okomnikelo yasebhange, iyawakha ngokubhala. Kumele kukhunjulwe ukuthi ngokuhambisana nomthetho wabantu bonke isiRashiya, inkontileka ebhange waphetha ngokubhala, ngeke ziphathwe njengemfucuza Ukukhishwa imali depositor (sokuchibiyela) amabhuku, ukonga (isitifiketi idiphozi), omunye idokhumenti bafakazela ukuba neqhaza, uma lihlangabezana nezidingo zomthetho.

Izindlela zokuthola imali emphakathini ezifakwa kuphela alufanelekele amabhange, zinyanga ihlolwe futhi kufakwe ohlelweni umshwalense idiphozi ku Russian Federation. ukufakwa Bank ku uhlelo umshwalense idiphozi kusho ukuthi uma kwenzeka ucabanga ebhange, zimali iyophinde ukwazi ukuthola inani idiphozi yakho (kodwa hhayi ngaphezulu kunomkhawulo umthetho omiswe) lapho ebhekisela ezinhlekeleleni isimo inhlangano non-commercial "Agency Idiphozithi Insurance".

Imininingwane ngokuphathelene ezifakwa sabantu sika kukhona ebhange ekusithekeni, hhayi avezwe, ngaphandle kwalapho kunezimo osungulwe ngokomthetho.

Ku-sub-depositor eBhange ziyakuba qongelela isithakazelo ngendlela kanye nenani ebekwe inkontileka. Njengomthetho, usayizi isithakazelo ukuba esikhokhelwayo umnikelo ebalulekile kokukhetha ibhange ethile. I inkontileka ebhange njalo ecacisiwe isithakazelo yonyaka, okusho lokho lemali "luyokhula" nenani nomnikelo ngonyaka. Ukubala inani zenzuzo kwesikhathi ngokuvumelana ifomula kwezinhloso zenzuzo elula :

Isithakazelo = S x% x P / 365 (366) x 100%, lapho

S - inani idiphozi

% - iphesenti yonyaka elicacisiwe inkontileka

P - elithi (isikhathi) umnikelo ezinsukwini

365 (366) - inani lezinsuku ngonyaka

Imigomo yesivumelwano unganikezwa:

• ngezikhathi (nyangazonke, ngonyangantathu, njll) ethola amaphesenti;
• ukuthola amaphesenti ekupheleni idiphozi;
• ofeleba kwezinhloso zenzuzo (ebanjwayo nesithakazelo lemali idiphozi njalo ngezikhathi ezithile (nyangazonke, ngonyangantathu, njll)).

inkokhelo yezikhathi ezithile ezithakazelisayo kuyasiza uma umuntu uhlose bahlala isithakazelo. Inani elifakiwe, asele beqinile, inikeza umnini wayo engenayo gqwa.

Ukulungiselela amaphesenti ekupheleni kunenzuzo uma kunesidingo ukuze buthelela ethile, ikakhulu njengoba inzalo ku ezifakwa enjalo ngokuvamile ngenhla.

Imali nge ofeleba nesithakazelo futhi kunenzuzo ngoba wayenemfuyo. Phela isithakazelo ukuthi uzobe ngezikhathi kufakwe imali yakho lemali, futhi, ngeke ithwale isithakazelo, ngaleyo ndlela kwande izinga wangempela isithakazelo, njengoba kushiwo inkontileka.

Kufanele kukhunjulwe ukuthi amazinga isithakazelo esabekwa amabhange ku ezifakwa akuyona ngephutha futhi ingathathwa "kusukela ophahleni." Bakhangwa ezifakwa imali efakwa amabhange imisebenzi asebenzayo (abolekise, isibonelo) ukuze inzuzo. Ngakho-ke, inani inzalo esisemanzini lomfula incike ezingeni inzuzo ebhange ku imisebenzi asebenzayo, kuhlanganise ezingeni zenzalo emalini ebolekwe elinikezelwe yilo ebhange.

Kule ndaba, kuhle ukucabangela uma ezihlongozwayo inzalo idiphozithi yanoma 2-3 noma ngaphezulu izikhathi mkhulu kunezinhliziyo wamanje refinancing izinga. Yini imisebenzi ebhange uzokwazi ukuqinisekisa ukukhokhelwa eziphezulu zenzalo, kodwa usathola inzuzo ngokwakho? Kulokhu, ibhange noma inqubomgomo ephezulu (isb ngokubeka imali yakho ekusebenzeni okuyingozi), noma ukuthi ubhekene nani iphiramidi isikimu ejwayelekile.

Futhi qaphela ukuthi, ngokuhambisana nomthetho wabantu bonke isiRashiya, isithakazelo etholwe ngabanye zifakwe ebhange, kumele zikhokhelwe intela ku kwentela yengeniso (PIT) ngesilinganiso 35%. Personal engenayo intela ezifakwa icala amabhange:

• ku ruble ezifakwa: nge umehluko phakathi inani inzalo enqwabelene ngaphansi inkontileka ebhange kanye nenani isithakazelo ibalwa ngesisekelo wamanje refinancing likhuphuke ngo 5 ngemaphesenti;
• ku esisemanzini izimali zakwamanye amazwe kanye umehluko phakathi inani inzalo enqwabelene ngaphansi inkontileka ebhange kanye nenani isithakazelo ibalwa ngesisekelo 9% ngonyaka.