Iqandiswe akhawunti yasebhange: yini okufanele uyenze?

Eminyakeni yamuva, amacala uvimba imali abantu kulabo abatholwa benecala noma okusolakala imisebenzi ziyingozi. Kulokhu, ngaphansi kwesandla futhi hit "Umholo" futhi ikhadi "social". What do amakhasimende abaye simisiwe akhawunti yasebhange?

umthetho

Luhlaka lwetemtsetfo elotshwe zoMthetho Federal № 115 "Ngo Ukulwisana zemali". Ingxenye 1 tbsp. 7 kwale dokhumenti ibonisa ukuthi amabhange ziyadingeka ukumisa izimali lwabantu okusolakala ukuzibandakanya emsebenzini ziyingozi. Kulokhu, isisekelo iinthombe umuntu ku uhlu olunjalo kuyisinqumo ohambelana inkantolo. Kwezinye izimo, ungakhathazeki mayelana nokuthi i-akhawunti yasebhange nqabela. Izinhlangano zokusebenzisa ngokuhweba enze le misebenzi ngaphandle zokuxhumana nekhasimende futhi esekelwe isingeniso imininingwane yakhona ohlwini abasolwa. Prakthiza libonisa ukuthi izikhalazo nenqubo akuveli ekukhishweni izimali.

ukukhuluma Cishe, umthetho owenqabela "umsolwa" ukusebenzisa imali lingelakhe. Kodwa kudokhumenti efanayo uthi ukuholelwa bese kuba impesheni, okuyinto uqinisekisa isimo, kanye namaholo, okuyinto kulawulwa Code Labour, akuyikuba singaphansi komthetho. Kodwa izenzakalo zokuphila zibonisa ukuthi uma i-akhawunti yasebhange eqandisiwe ke umuntu akakwazi ukufinyelela kuzo baze azokhishwa ohlwini Federal lwezezimali Monitoring Service. umsuka umthombo izimali hhayi kunakwe.

Ibhange eba yiqhwa akhawunti: yini okufanele uyenze?

Ngokuhambisana "Regulation on izinzuzo imithetho yokudlulisa 'kuqinisekiswa isimo, lapho abadala owathola ngeposi, azisebenzi non-cash zokuhlala. Enye into ukuthi manje umhlalaphansi abaningi bathola imali isikhungo credit card. Uma indoda enjalo eba yiqhwa akhawunti yasebhange, kuzomele ubhale isitatimende emnyangweni PF ngesicelo ukuletha izinzuzo ngokusebenzisa eposini. Uma ukubhaliswa ayifani ikheli lendawo yokuhlala, lolu lwazi futhi kuyadingeka ukuze abonise le igunya lomphakathi.

Ngoba "abashisekeli" abathola izinzuzo imali ngokusebenzisa i-Social Insurance Fund ( "womama", "isibhedlela", njll), kufanele enze izenzo efanayo: ukubhala uhlelo lokusebenza Social Security Fund ne isicelo ukwamukelizinkokhelo emaposini. Khona-ke akunandaba ukuthi i-akhawunti yasebhange nqabela. Uhulumeni yibhange imali umuntu Usazoqhubeka wamukela.

Uma lokho kungasebenzi

Okokuqala, kumelwe kukhunjulwe ukuthi non-kokuthola izinzuzo izinyanga 6 emgceni kuholela ukumiswa kokukhokhwa. Ngakho-ke, uma uhlelo akusebenzanga njengoba kuchaziwe ngenhla, kufanele axhumane ngokushesha ne-uMnyango igunya isimo endaweni yesevisi, kanye nokubika ngalolu daba. Ekusebenteni, izimo ezinjalo azikakwazi.

Ungatsheli iholo

Lo mbuzo uphendulwa nakakhulu ngokushesha. Ngo-Code Labour uthi iholo ikhokhelwa endaweni yomsebenzi ngokheshi. Ukudluliswa izimali ekhadini kumele silungisiswe lokusebenza olufanelekayo noma inkontileka umsebenzi. Ngakho-ke, uma uke simisiwe akhawunti yasebhange, esimweni sokuqala kubalulekile ukubhala uhlelo lokusebenza umqashi ngesicelo ukuthola iholo kusukela ibhizinisi yengcebo. On ikhophi yephepha libhekisela inombolo bese okuqoshiwe usuku. Isitatimende nayo ingathunyelwa nge incwadi erejistiwe ne bazisise irisidi. Esimeni sesibili, kumele ubhale ephepheni phezu umqondisi ngesicelo ukwenza izinguquko into ethile ye-TC lwamuva. Ukuze-ke sisetshenziswa okusalungiswa sivumelwano ezengeziwe, umbhalo isigaba uchitshiyelwe. Umqashi unelungelo lokuba enqabe umsebenzi isicelo. Khona-ke "iholo" kuyadingeka ukuze uvale i-akhawunti. Umqashi engasakwazi ukufeza umsebenzi walo futhi bayophoqeleka ukuba asayine isivumelwano eyengeziwe. In an icala ngokwedlulele, kubalulekile ukuya enkantolo. isinqumo esinjalo sasiyobonisa ngokucacile nemithelela isisebenzi.

Phesheya has imithetho yayo siqu

ezinyangeni ezimbalwa ezedlule, iziphathimandla Spanish uvale ukufinyelela esebenzisa abaseRussia. Kungani amabhange baye simisiwe akhawunti? izakhamuzi Russian ungakakwenzi isikhathi lokuchaza imvelaphi dolobha. Ngokomthetho yezwe, abezinye izizwe ziyadingeka ukuze bathethelele ukuvela imali etshaliwe ingcebo noma amafa. Ngaphansi unswinyo hit abantu abangazange ngayo isikhathi izicelo emagunyeni afanele. Iziphathimandla bangase bazimisele ukumemezela impahla ngaphandle kwe-Spain. Mthetho nazo ahlawuliswe ayizinkulungwane 10. Euro. Kodwa abantu abaningi musa ngisho sizame ukulungisa lesi simo, ngoba besaba ukucela usizo eRussia.

Siyini isizathu

Abantu okuqondene isigaba "ocebile" kufanele akhokhe umehluko phakathi kwentela WaseRussia ne-Spain. A-13% no-52% ngokulandelana. I sokubala iyona isitatimende engenayo. Yingakho zonke izinkinga. Uma umuntu simisiwe akhawunti yasebhange ukuze uphinde ukwazi ukufinyelela izindlela ezidingekayo ukuletha isitifiketi, ngokulandelana, ukuze azise iziphathimandla mayelana ubunikazi impahla phesheya, ukukhokha intela ku Russian Federation futhi umehluko kwesabelomali Spain.

isiphetho

Federal lwezezimali Monitoring Service ohlwini lwabantu okusolakala benza umsebenzi ziyingozi noma ubuphekula. It babuke njalo credit izikhungo, kanye sokufinyelela okufanayo block abezindaba. Ngesikhathi esifanayo ziwela ngaphansi ukusatshalaliswa kwazo zonke ukuqhutshwa ekhadini. Izindaba ezinhle ukuthi abantu bangaba nobuhlobo ukufinyelela impesheni, izinzuzo kanye namaholo. Yikuphi kwamabhange simisiwe akhawunti, kulesi simo akunandaba. Lezi izinkokhelo uqinisekisa isimo kanye nekhodi zabasebenzi, futhi ngenxa yalokho kwenkululeko budedengu of ukuqhutshwa komthetho angawi.