Yini odinga ukukwazi ukuze uvule i-akhawunti yasebhange

Ngokusho kwezinkambiso umthetho kazwelonke, ukuvula i-akhawunti ebhange inelungelo yisiphi isakhamuzi noma inhlangano. Kuyaphawuleka ukuthi inani akugcini. Umthetho uthi ngokucacile ngempela ukuthi ubuhlobo phakathi kwebhange iklayenti (umuntu wemvelo noma womthetho) kulawulwa idokhumenti ezifanele - inkontileka zokuhlala kanye imali amasevisi.

Uma ukhethe ukuthi yiliphi ibhange kungcono ukuba uvule i-akhawunti, lapho kufanele aqondiswe nalezi zidingo ezilandelayo:

• Imali for ukuvulwa kanye nokugcinwa okwengeziwe;
• ukutholakala isevisi "Iklayenti-Bank" (kubalulekile ukucacisa ukuthi kukhona inkonzo enjalo ngokuvamile, ukuthi kubiza malini, fast kanjani kungafinyelelwa);
• indawo isikhungo yasebhange;
• Ukutholakala izinhlelo ukwethembeka amakhasimende (loan ku kwezimo ezimvunayo, isibonelo).

Umuntu wemvelo ukuvula i-akhawunti ebhange lula kakhulu. Into yokuqala sifika isikhungo akhethiwe zezimali, ungakhohlwa ukuthatha ipasipoti Russian. Lokhu kulandelwa umphathi ukweneka ukukhonza izinhloso zabo. Bese unezinketho ezimbili. Eyokuqala - kuvulwa i-savings account. Uma sikubeka kalula, idiphozi. Yebo, kuzokuvumela ukuthola imali eyengeziwe, Nokho, ububi ezinkulu wukuthi iphuzu elithile ukuhoxisa izimali zabo ngeke. Kunalokho, ucoshe okuthile ongakwenza, kodwa ke phezu inzuzo eyengeziwe akufanele ukubala. Eyesibili inketho - ukuvula i-akhawunti yasebhange ukuze usetshenziselwe ukuhoxiswa unomphela futhi replenishment imali. Ngokuvamile libizwa ngokuthi "On Demand" noma into efana naleyo.

Kuleso simo, uma uvula i-akhawunti yasebhange, inkampani uhlose, uzodinga ukunikeza eziningi imibhalo. Bafaka akashintshi okuningi kusuka isikhungo esisodwa zezimali kwenye. Ngokuvamile, udinga ukunikeza:

• ikhophi isitifiketi sokubhaliswa (noma EGRIP noma ezincwadini);
• ikhophi izimiso;
• incwadi elazisa esabelweni amakhodi kwezibalo;
• ikhophi yesitifiketi eqinisekisa ukuthi inhlangano engokomthetho noma usomabhizinisi ngamunye uyiswa akhawunti e-FTS indikimba yabadala bakulelo bandla.

Ngaphezu kwakho konke lokhu okungenhla, uzodinga ukunikeza amakhophi oda ukuthi kusho ukuqashwa kukaNksz isakhamuzi ezinjalo kanye nomqondisi onjalo (+ obhekelele ukhetho), futhi isakhamuzi esithile - accountant abakhulu. Yiqiniso, zonke iphepha fed phakathi isikhungo sezezimali, kufanele kube kwasayinwa.

Ngemva ukusayina inkontileka, eveza yonke imininingwane edingekayo, kufanele ngokushesha ukuya bentela ukumemezela ekuqaleni ukusetshenziswa entsha imikhiqizo yasebhange. Lo mthetho esabela ngesonto. Musa izimali zakhe kuko - ukulungiselela 5000 sokukhokha esihle.

intengo udaba

Futhi manje ake sibone ukuthi obungakanani ukuvula i-akhawunti yasebhange. Shiya mbuzo obucayi, akunjalo? Ukuqapha imisebenzi yezezimali yasekhaya umkhakha ebonisa ukuthi abantu abakwazi sikhathazeke ngakho :. Ngoba bonke "ngezithukuthuku inkampani" Kodwa zomthetho ezidingekayo ukubheka efanelekayo. Mahhala sithathe inkonzo SDM-Bank, Master Bank kanye Moskommertsbank. Zonke ziqhathaniswa nezimbangi zazo ukunikela isevisi ekhokhelwe. Futhi imali kuyodingeka bakhokhe hhayi nje ngobe kutawutfutfukisa ukutholakala, kodwa futhi ukuze aqhubeke.