Intela imali abantu '. Ukukhokhwa kwentela inzalo ifakwa

Bank ezifakwa abhekwa enye yezindlela ezivamile wayenemfuyo nokonga izakhamuzi. Imali enze kube nokwenzeka ukuba balondoloze futhi ukwandisa imali yakho. Nokho, ngokuhambisana nemithetho esebenzayo, inzuzo ngayinye ukwenza izinkokhelo isabelomali. Mayelana kanjani intela imali ebhange abantu, izakhamuzi ungazi konke. Phakathi naleso sikhathi, ulwazi mayelana nalesi senzo njengesisekelo okwenza izinqumo ezifanele phezu nokubekwa kwezimali yabo kuma-akhawunti esikhungweni sezimali. Ake sicabangele ngokuningilizwe ngokwengeziwe intela ye ezifakwa emabhange ngabanye.

Uhlolojikelele

Nokugcina kwezimali ku ezifakwa emabhange libhekisela nokutshala izimali yekwentiwa. Njengoba omunye izinzuzo le misebenzi imi izenzo okungenani umnikazi Ezezimali maqondana nenhloko-dolobha yalo. Lokhu ngokulinganayo kusebenza intela ye idiphozithi yanoma izinhlangano ezingokomthetho futhi izakhamuzi. isikhungo lwezezimali uqobo enze zonke izimali ezibanjwayo kunesidingo.

Ukuhlobana umbuzo

Lapho ekhetha ebhange umnikazi we izindlela, njengoba umthetho, it sinquma imali elilinganisiwe. Nokho, uncika lemali, isikhathi, futhi idiphozi izinga. Kulokhu, intela imali ku ezifakwa ngokuvamile kunakwe. Lokhu kungenxa yokuthi izakhamuzi eziningi musa noma ucabange iqiniso lokuthi lokhu imali kungase kube kuncike ezinhlinzekweni zoMthetho Tax Code. Lesi simo kuyaqondakala. Okokuqala, njengoba kuye kwashiwo, intela ye bekelelo beka kuze izikhungo zezimali, futhi ngokuvamile ukukhokhiswa ethile izimali eyithola out ekuqa- zokugcina. Ngaphezu kwalokho, akuzona zonke imfuneko idiphozi osebenza NC.

Izici nokugcinwa

Ngokuhambisana imithetho ekhona namuhla intela yemali ezifakwa kusebenza imali, ivulekele izakhamuzi - izakhamizi yezwe. Bamba kwenziwe futhi nge-akhawunti non-ohlala uma imithombo yabo imali ezihlobene imisebenzi Russian Federation. Ngokuhambisana nezigaba ezahlukene esungulwe ukubheja osayizi abathile, kanye Imigomo esekelwe phezu kwayo isabelomali wenziwa.

Inqubo ukukhokhisa intela kwentela yengeniso

Intela imali abantu yemvelo 'Kwenziwa ngesifanekiso aqine. I ukushaja wenziwa kusukela akhawunti:

1. Ngo lwemali kazwelonke. Ukukhokhwa kwentela iminikelo eyenzelwa kwenzeka ukuthi isilinganiso sabo kuyinto ephakeme CBR refinancing isilinganiso (angaphezu kuka-8,25% njengamanje) plus 5%.
2. Ngo izimali zakwamanye amazwe. Kwabelwa zenziwa, uma izinga ephakeme kunaleyo 9%.

Kumila ukhonza njengelungu umehluko inzuzo langempela kusukela idiphozi, futhi imali oyitholile ngesilinganiso embundwini. Ngokusekelwe engenayo ebalisisiwe - okuzisholo kunokuba izinga ngempumelelo. Lokhu kusho ukuthi uhlelo akuyona umehluko phakathi imali kanye kuya ofeleba eminikelo abavamile.

esibalulekile

Endabeni inkontileka isikhathi okungenani iminyaka emithathu ukubaluleka kuyodingeka kuphela izinga esivumelekile ngosuku sokubhalisa (ukuqhubeka) akhawunti. Ukuqoqwa izinkokhelo saziso ezenziwe ngesikhathi ukukhokha inzalo. isikhungo lwezezimali uqhuba nokuziphendulela esiqinile. Ikhumbula zonke engenayo inzalo sabantu zemvelo, ngesikhathi esifanayo kwenziwe ukudluliselwa intela yeholo labo. I ukulawula le misebenzi inikezwa izindikimba efanele: Central Bank, Federal Intela, inhlangano kwamabhuku. Amanani kumele iboniswe esimemezelweni isezingeni 3-PIT. Kuyadingeka ekulungiseleleni ezibanjwayo intela kanye nezinye izinto.

imisebenzi yezezimali yenkampani

Intela idiphozithi yanoma abantu zemvelo kungaba kwenziwe njalo ngenyanga noma ekupheleni inkathi ethile yesikhathi (ngokuhambisana inkontileka). Ukuze izakhamuzi ezibanjwayo - 35% non-izakhamizi - 30%. Lwezezimali Inkampani wenza ukubala, imali ebanjwayo kanye kokubanjwa kwanoma izinkokhelo eziphoqelekile isabelomali. Kwezinye izimo, le nhlangano ukunikeza amakhasimende ne yokubala ekhethekile. Ngosizo lwabo abanikazi izindlela ungakwazi ukubala inzuzo yabo kanye izintela babophekile ukukhokha emholweni. Ukuze ikhasimende ngalinye othola imali ngokweqile uma utshala imali, inkampani ezezimali kuyinto isitifiketi. Lithi base yentela kanye nenani nokugcinwa. Usayizi capital yakho zibekwe isitifiketi kangenanga. Lo mbhalo ikhishwa yinkampani yezezimali eyicela ebhaliwe iklayenti.

ezimweni ezikhethekile

Izakhamizi ungafaka imali yabo kule akhawunti weemali elise phesheya. Kulokhu, kufanele anqume ukuthi bukhona yini phakathi izwe lapho ibhange itholakala khona, futhi isivumelwano Russian aqede nokugcinwa ngokuphindaphindiwe inzuzo. Endabeni kwalesi sivumelwano, iklayenti ungakhetha izwe e isabelomali ngalo siyofeza iminikelo saziso. Uma abanikazi izimali ayibonisi ke, imali yasebhange intela ngokuhambisana nemithetho State lapho isikhungo sezezimali itholakala. Nokho, kamuva, amakhasimende ongacela imali imali ekhokhiwe ukuze uthumele ukuba isabelomali Russian. Uma okungenhla akuyona sivumelwano, ngokuvamile leso kusuke intela imali ezikhungweni zezimali angaphandle Kwenziwa kabili.

cishe eyinkimbinkimbi

Ukukhokhwa kwentela ezifakwa emabhange Kungenzeka ingathiyeki, uma ngesikhathi lapho inkontileka sivumelekile, izimo ziye zashintsha esisekelweni ezibanjwayo saziso. Lesi simo kungaba ngenxa izici eziningana:

1. Ngu obuhlukahlukene ubukhulu idiphozi ngenxa yekhono layo ukuze ubuyise iyiphi nosonhlamvukazi.
2. Ukuthweswa iziqu amazinga e ngokulungisa lemali ku-akhawunti (uma kuvunyelwa imigomo yenkontileka ne isikhungo sezezimali).
3. Shintsha usayizi Central Bank refinancing izinga.

Ezimweni ezinjalo, imali intela (noma uphelela) emva ukulungisa ibhidi abafanele iqala ngqo. Inani ezibanjwayo, esikhundleni salokho, kuyahlukahluka base ushintsho. Esimweni ekunqanyulweni ekuqaleni yesivumelwano idiphozi futhi ukudluliswa kweemali esigabeni "ngokufunwa" nge ubukhulu encishisiwe ye isithakazelo lokukhokha intela Ukugodla imisiwe. Kuthunyelwe isabelomali lungabuyiselwa ngesicelo ikhasimende futhi idluliselwe yakhe akhawunti kokuhlola.

Ngokucacile kwezimali ezibanjwayo kusukela inzuzo wamabhizinisi

Sicela uqaphele ukuthi izinhlangano iminikelo intela eyenziwa ngaphandle izakhamuzi imali. Inzuzo ukuthi izinkampani ukuthola lapho sitshala imali isikhungo akhawunti wezimali, libhekisela esigabeni engenayo evela non-yokuthengisa imisebenzi, kuye ngokuthi yiziphi imodi ezibanjwayo wanakekela inkampani: elula noma jikelele.

Ukukhokhwa kwentela inzalo ezifakwa

Amacala elula ezibhekwa izinkokhelo ngaphandle ofeleba ekupheleni nenkathi yenkontileka. Nokho, ngokuvamile, ukubhaliswa imali eside kwenziwa yisimo ukukhokha inzalo nsuku wekota noma njalo ngenyanga. Kulezi zimo, isikhungo sezimali ophethe siqu imali yentela ngokuhambisana lolu hlelo. Ngakho, intela ye inzalo ezifakwa enziwe imvamisa efanayo ngezimfanelo zawo. Ngandlela-thile more xaka wenziwa ngesikhathi siqu kwentela engenayo kokubanjwa kwanoma ofeleba (ukusetshenziswa kwakwakhe isithakazelo) noma benethuba replenishment idiphozi. Ezimweni ezinjalo:

• Ngokwandisa Usayizi idiphozi isikhathi ngasinye ekushintsheni ukubaluleka base yentela kanye nenani izinkokhelo oyisibopho nesabelomali.
• Uma enikeziwe ukushiyana kwezidalwa amazinga ngokuhambisana ubukhulu izimali ku-akhawunti, usebenza umthetho othile. Siqukethe eqinisweni lokuthi, uma ngosuku tariff kwaba singaphansi kwesilinganiso refinancing plus 10 k. P. Ukuze ezifakwa lwemali kazwelonke, noma esingaphansi 9% izimali zakwamanye amazwe imali, izinkokhelo isabelomali alwenziwa. Uma iklayenti kulekelelwa isamba sengezwe inani lenzalo kanye, kubhebhetseka kweludvweshu, isibe elingana nenani, ngemva kwalokho iholo kungaphansi intela, inkampani yasebhange iyadingeka ukugcina PIT ngokokuqala lapho waqala ukusebenza i likhuphuke.

idiphozi ekunqanyulweni

Lapho ekunqanyulweni ekuseni imigomo yesivumelwano futhi amazinga ngamazinga enciphile (ngokuvamisile ngoba funa ezifakwa akusiyo ephakeme kuka-1%) ngisho noma ngaphambili isithakazelo engenayo intela enikeziwe PIT ngeke ukhokhiswe. Uma ngosuku ukuqedwa yesivumelwano idiphozi, uye axoshwe kakade, ikhasimende ungabuyela ngokucela kwakho ebhaliwe. Lapho isithakazelo intela kumelwe futhi acabangele izinguquko okuzwiwa Central Bank refinancing isilinganiso (bebheke ngincipha nokukhuphula). Ukuqoqwa siqu kwentela engenayo Ukugodla noma ukuqedwa out eyenziwa kusukela ngosuku tariff izinguquko olusemthethweni. Ngaphezu kwalokho, kufanele sikhumbule, kanye imali e amatshe ayigugu. Kulokhu, kuncike intela zonke inzuzo, kodwa siqu kwentela engenayo izinga for imali enjalo - 13%.

isiphetho

Ukukhokhwa kwentela iminikelo akufanele kubhekwe njengendlela isici engakhi umsebenzi wezimali ka abantu ngokomzimba. Kufanele kube nomthelela ekukhethweni kuka inhlangano lapho akhawunti ivulekile. Njengoba umkhuba ubonisa, nakuba intela kunciphisa inani engaba imali abantu, idiphozi okusasele namuhla eyodwa yezindlela ezikhanga kakhulu futhi enokwethenjelwa utshalomali.