Indlela yokuvula i-akhawunti ye samanje osomabhizinisi lomuntu Savings Bank. Indlela yokuvula i-akhawunti Sberbank lomuntu yemvelo kanye zomthetho

Zonke amabhange yasekhaya ukunikeza amakhasimende abo ukuvula i-akhawunti osomabhizinisi ngabanye. Kodwa eziningi izinhlangano credit. Amasevisi okufanele ukuyisebenzisa? Impendulo yalo mbuzo, kungcono ukuba ukhethe inhlangano isabelomali. Kulesi sihloko sizofunda ngokuthi singakugwema kanjani i-akhawunti ye samanje osomabhizinisi lomuntu Savings Bank.

Kungani siyidinga?

Isimo awukuvimbeli ejenti kwezomnotho ukuze isebenze ngaphandle kokuvula ibhokisi ephephile-idiphozi. Kodwa kungelula kakhulu. Nakuba ubuchwepheshe obusha enze kube nokwenzeka ukuba afeze Ukudluliselwa ngokusebenzisa izinhlelo lokukhokha, kungukuthi ibhaliswe ngokomthetho. Ngenxa yalokho, iziphathimandla zentela awukwazi ukulandelela kubo engenayo kanye nezindleko, kanye nezinhlangano ezinkulu avele ngeke bathathe kuwe sina. mali lemiqulu emikhulu yokuhweba kubukeka kusolisa. Kungcono ukusebenza ngokusebenzisa ebhange. I-akhawunti yamanje ngoba PI iqukethe imininingwane ezingaba wazise naye inkontileka. Ngaphezu kwalokho, ukutholakala ephephile-idiphozi ibhokisi kusiza kakhulu umsebenzi abasebenzi ngezezimali. Futhi nokwanda ivolumu yomsebenzi futhi ukuvela abalingani bamazwe omhlaba abafanele ngaphandle amasevisi ngesikweletu inhlangano ongakwazi ukuzenza. Ngakho-ke, kungcono ubuze, indlela ukuvula i-akhawunti zamanje osomabhizinisi lomuntu Savings Bank.

Ukukhetha

Labo abangaqondi ukuthi le zokuthenga ngesikweletu, ukusetshenziswa engcono kwemisebenzi yomphakathi. ERussia, kunezinhlobo ezimbili kuphela: Sberbank futhi VTB. abasebenzi zabo ziyisiliva scrupulous kakhulu kuzo zonke ohlobene amadokhumenti livela amakhasimende. Ngakho-ke, ukubhekisela iqoqo nqubo ingathatha isikhathi eside. Ngesikhathi esifanayo, kufanele kuqashelwe ukuthi izinhlangano ezifana kuhluke obala yomsebenzi: wonke umsebenzi yenzeka bawuhloniphe ngokuqinile umthetho njengoba unjalo. Ngakho-ke, uma kwenzeka imali izinhlekelele uyalondeka. Phakathi the 1998 Inkinga , osomabhizinisi abaningi bahlale "untanta", njengoba imali yabo elondolozwe ku OAO Sberbank.

Ukuvula i-akhawunti

Emva ukubhalisa inhlangano engokomthetho kumele uxhumane FSS, le FIU, IRS futhi uthole isitifiketi IP esithathwayo emlandweni. Ukuze uphethe i-akhawunti yenkontileka zokuhlala, kufanele uhlinzeke Savings Bank:

- isitifiketi sokubhalisa isimo izinhlangano ezingokomthetho;

- isitatimende we-akhawunti wamanje;

- idokhumenti eqinisekisa igunya likaMqondisi;

- ikhophi kwasayinwa yesivumelwano futhi articles of association;

- idokhumenti eqinisekisa igunya accountant isikhulu esinguKora;

- isignesha amakhadi;

- isitifiketi sokubhaliswa kanye PF;

- ilayisensi elikuvumela ukuba bafeze imisebenzi;

- Ikhadi lokubhalisa;

- uma bachithe izimali ngeke usomabhizinisi, kanti umuntu wesithathu ke kubalulekile ukukhipha amandla ommeli.

Emuva kokufaka isicelo, ibhange eqinisekisa le umazisi iklayenti esayina inkontileka futhi kwenza idatha encwadini yokubhalisa. Ngemva le misebenzi, ungaqala ukusebenzisa i-akhawunti. Imithetho ezibekwe inkathi olulodwa ukuhambisana nayo yonke imicikilisho. Lapho imisebenzi zenzeka esikhathini sangempela. Uma banikezwa amaphasela egcwele imibhalo ezihlangabezana nezidingo, inqubo yokubhalisa kuthatha cishe ihora elilodwa. Nakhu ukuthi i-akhawunti ye samanje osomabhizinisi lomuntu Savings Bank.

Ngokuvamile, inkontileka, okuyinto esisayinwe iklayenti, kuhlanganisa uhla lwezinsiza:

• abethimba imali;
• ukheshe kuthengiselana;
• amasevisi ikhadi;
• overdraft.

Ukuze ukuheha amabhange ikhasimende ungababaleli imali uvula i operation akhawunti, kodwa ukugcinwa kungamenza alahlekelwe ngisho nesenti kuhle.

isexwayiso kulezo nhlangano ezisebenzisana nohulumeni

Zingakapheli izinsuku eziyi-7 ngemva kokubulawa kwemibhalo umqashi kufanele azise intela. Kuyadingeka ukuba balethe imibhalo lesikhungo esikweletu ukuthola ukuhlolwa incwadi eqinisekisa amaphepha zokutholwa. Uma wephula imigomo usomabhizinisi ubhekene esihle $ 5 izinkulungwane. Hlikihla. Kwenze nibaluleke ngoba ebhange futhi azisa iziphathimandla kwezimali zingakapheli izinsuku 5. Isaziso sikhishwa ifomu ekhethekile № P-09-1, okuyinto ungamukela wokuhlola intela isampula. Usuku lokuthumela incwadi ezocatshangelwa lowo uboniswa isitembu.

P / C SP vs Ltd.

1. Ngokusho umthetho, usomabhizinisi ngamunye kungenzeka ukuvula yeseli ebhange.
2. Ukuze ususe noma inkampani ukudluliswa kumele anikezele obosnovatelnye.
3. IP ingasebenza nge-akhawunti eyodwa emadolobheni ahlukene.

Online banking

Kanye wamaphepha kuya p / s kungenzeka ukuphothula isivumelwano ne yasebhange namasevisi akude. Lokhu kuzokuvumela ukuba akhokhe invoice, ukulandelela ukunyakaza kwezimali ukuze uthumele umholo ikhadi, thumela imali yentela kanye nezinye zikahulumeni, ngaphandle kokuphazamiseka kusuka kukhompyutha. Kodwa inkontileka lisho ngokucacile ukuthi inani imisebenzi lilinganiselwe. Futhi ngayinye kufanele ukhokhe inani elimisiwe. amasevisi ngamunye Savings Bank zitholakala kuphela kulabo amakhasimende abasebenzisa i-Internet ukuze zenze izinkokhelo:

• loan okungaphephile. SP, oholo lakhe lonyaka kuyinto ruble engaphansi kwezigidi ezingu-60, ungamukela loan "Thembela" ngesikhathi encishisiwe senzalo ruble angu-3 million. Kulokhu, iklayenti ayikwazi ukucacisa ngenhloso ukusetshenziswa kwezimali. Ngesikhathi okuphindaphindiwe inkomba inani loan luyanda 5 million.
• I loan ingeyezinhloso ukukhiqizwa. Umthombo "Ibhizinisi inzuzo" ivumela osomabhizinisi ukusebenzisa izimali ukuthenga izinto zokusetshenziswa, ushintsho nokunye. D.
• Osomabhizinisi, lizinga somholo wonyaka singaphansi kuka-ruble ayizigidi ezingu-400., Ivunyelwe ukusebenzisa credit "Ibhizinisi-Auto". On ukuqhutshwa angathengwa entsha noma esetshenziswa imoto, iloli, i-trailer noma imishini ekhethekile.
• Umkhiqizo "Ibhizinisi Impahla" uxhaso ibheyili uthenge into. Zuza izakhiwo kungabuye eziqinisekiswe umboleki ebhange.
• "Ibhizinisi iphrojekthi": izindlela inikezwa ngezinga elikhulu benethuba deferment.

ikhomishana

amasevisi Sberbank sika zinikezwa ku imali ngesisekelo. Vula / c in ruble amahhala. Uma ungenalo ukuthenga iphakethe ngesikhathi esisodwa, bese uxhuma amasevisi eceleni, kuzodingeka akhokhe ezishisiwe ezifana:

• nokugcina CSC - ruble 500 / ngenyanga..
• Internet Banking - ruble 490;
• ethola imali - 0.3% semali;
• ukwenza imisebenzi - 15-60 rbl;.
• Ukuhoxiswa - 1%.

Ukuze uqhathanise, inani elifanayo kuyodingeka bakhokhe ukuze zamanje ze-akhawunti yesondlo ku "PSB". Ezinye izinhlangano ukunikela amakhasimende amaningi inkonzo amaphakheji. I "SB Bank" SP angakhipha:

• "Okuyisisekelo" Iphakheji ruble 1000, ngaphandle imali nyangazonke .;
• "Kahle" (.. ruble 200 ngenyanga \) - sihlinzekela ukuvulwa mahhala i-akhawunti yokuqala, futhi inqwaba izinkokhelo ngenyanga ngamazinga ezixhaswe uhulumeni;
• "Ngempumelelo" - babekhonza iminyaka ruble 850 ngenyanga, emva Imali sandiso hhayi icala.

Ukudluliswa kwemali ngolokuqala ezimbili amakhadi amazinga kuyinto 0.25%, ama-ruble angu-50 okungenani.

Esikhathini "Alfa-Bank" SP angakhetha yamanani ezifana:

• "Ibhizinisi Qala": ukuvulwa khulula, imali nyangazonke - ruble 990. inqobo ngenyanga senzeka hhayi ningi than 5 ukukhokhelwa.
• "E": yokubhalisa - ruble 800, amasevisi - ruble 1190 ..
• Tariff ngoba ukusetshenziswa "Trade" iphakheji ruble 800.

IKhomishana ukudluliselwa imali kusengozini - 0.2% -0,6%, ubuncane - ruble 200.

I "Vanguard" ukuvula i-akhawunti ayizinkulungwane 1-3. Hlikihla. Ukuze ukusetshenziswa kohlelo lwemali Internet Banking icala.

ushintsho zamanani

Ngo-April 1, 2015 Sberbank anda ubukhulu ikhomishini ukudluliswa kweemali kokulandisa izinhlangano ezingokomthetho ukuze ikhadi lasebhange. Ngaphambili, izinga zase zihleliwe ruble 8 izinkokhelo yasekhaya futhi ruble angu-30. - I-ukudluliselwa-akhawunti kwamanye amabhange. Manje ikhomishana 1%, kodwa okungenani ukudluliswa amount - ruble 115. amakhasimende amaningi kuyodingeka bakhokhe kaningi for ukusebenza standard.

Kodwa indlela yokuphuma sisekhona. Amakhasimende kudingeka ukuvula Savings Bank "Akhawunti Universal" I-ruble 10. Le mali kuyofika ngqo ekhadini. I-akhawunti iyasebenza iminyaka 5. Imali yesevisi ekhokhelwayo ngenyanga lizokhokhiswa. Okulandelayo, udinga ukuxhuma isevisi intanethi, uma ungenzanga kanjalo. Ngemva kwezinsuku ezintathu, ngo-the "Akhawunti Yami" kusayithi kuyoba "Akhawunti Universal" futhi entsha yenethiwekhi plastic. Ukudluliswa izimali ekhadini oyokwenziwa ngezigaba ezimbili.

1. Udinga ukuthumela imali 'Akhawunti Universal'. IKhomishana yokuLingana ukusebenza - ruble 8. Tariff entsha asisebenzi izinkokhelo ezifana nemali beze 40817 (map), kanye 42307 ( "i-Akhawunti Universal").
2. translation Order idiphozi ibhokisi insimbi entsha yokukhokha. Ukusebenza Kwenziwa mahhala.

Ukuphika Yesevisi

Eduze ungakwazi umnyango kuphela lapho kwavulwa. Kuze kube yimanje, uchwepheshe Kumele unikeze iphasipoti, RKO inkontileka bese ubhala isitatimende. Lapho beqeda inqubo iklayenti uzothola isaziso ebhange, okuyinto kufanele ahanjiswe ehhovisi lentela.

izinzuzo

Kusukela bonke ngenhla, ungenza isiphetho encane kuphela, kungani hhayi i-akhawunti ye samanje osomabhizinisi ngabanye:

• Savings - uvikelekile isakhiwo zezimali. Sekuvele kufakazelwe, ngaphezu kwesikhathi esisodwa.
• Ukuseviswa. Uma nje ukuxhuma iphakheji ephelele namasevisi akudingeki isikhathi eside ukuba bame emigqeni ukuba kusebenze umsebenzi olulodwa.
• Njengoba ungathumela imali ku-akhawunti i-PI usebenzisa uhlelo inthanethi. Savings Bank kwenza amakhasimende ayo ukuze afeze ukuthengiselana nge-Internet. Online uhlelo libhekene nenkinga yezinga ezahlukene ukubethelwa kwedatha. Izinkokhelo kuyashesha, kodwa Ikhomishana icala ngaphansi tariff ehlukile.

4. Inkokhelo Terminals. Kepha usomabhizinisi lowo akubalwa isitolo noma ihhovisi ukuze uthole imali kumthengi. Engingakusho oda esibulalayo futhi ulisebenzise ukuze ukuqhuba ukuthengiselana. Lezi amadivayisi ongasebenza ekhadini le-SIM. Izimali kuthiwa ivela akhawunti yomdayisi zingakapheli izinsuku 1-3. Ikhomishana 1% semali yokukhokha. Idivayisi kumahhala.

5. Izimali isevisi ye-akhawunti yamanje ihluke kakhulu kwethi izimbangi zayo emakethe.

6. cashing imali. Phuma kungaba ku le yamasheke noma uthumele ukuba akhawunti kuboshelwe ikhadi lasebhange. Inketho yokuqala zingavumi kakhulu. Ukuze ukhiphe ibhuku ngokucophelela nangokucophelela. Ukuze ukuhoxisa izimali, kuyodingeka ukuya ehhovisi. Ngakho-ke kungcono ukuxhuma iholo ikhadi plastic futhi udlulisele imali ku-ke.

isiphetho

Njengoba ungasebenzisa yeseli isikhungo credit ukuze viva ibhizinisi. Indlela yokuvula i-akhawunti ye samanje osomabhizinisi lomuntu Savings Bank? Kumele unikeze imibhalo bese ubeka umyalelo. Inqubo kuthatha cishe ihora. Njengoba isikhungo ngobukhulu zezimali wezwe, Savings Bank inikeza amaklayenti ayo anhlobonhlobo amasevisi ngamanani yokuncintisana.