Nigute ushobora gufungura jera muri ICD - Intambwe-ku yindi nyigisho

Kuva muri 2015, igikoresho gishya kubashoramari rwagaragaye - Konti zishoramari kugiti cye. Baremewe bashyigikiye leta kugirango bashishikarize abaturage ishoramari mu mpapuro. IIS itanga kwiyandikisha kuri extus. Ifaranga, ingwate ntabwo ikwiriye kubwibi. Mugihe ufunga konti imwe, urashobora gufungura ishyane. Inyungu zumusoro zirabakorera, nuko leta igarukira imisoro itangiye cyangwa idafata ijanisha ryibikorwa.

Banki ya ICD yasabye gukoresha abricems idasanzwe yo gushaka umutungo wunguka cyane. Serivisi zumuryango wimari yose ishinzwe imari buri segongore isuzumwa nibintu bitandukanye, itanga amakuru yingenzi kumutungo winjiza menshi. Abacuruzi barashobora guhitamo imigabane cyangwa ingwate hamwe namakuru meza kumafaranga nigihe. ICD itanga inyungu zihamye, ziruta kubitsa muri banki. Abashoramari babona amahirwe yo kuzuza amanota, bafata inyungu.

Nigute IIS ikora?

Banki y'inguzanyo ya Moscou itanga amahirwe yo guhabwa amafaranga mu ishoramari rigizwe no kugabanywa imisoro, inyungu zakiriwe na Ofz no mu ishoramari mu mpapuro. Umushoramari arashobora kubona afite amafaranga ya pasiporo kuri 12% kuri buri mwaka na 13% yo kugabanywa imisoro. Ugereranije, amafaranga yinjiza ni 15% hamwe no kubura ingaruka zose.

Amafaranga yinjiza ashingiye ku ngamba zatoranijwe. Amahitamo azwi cyane yasabwe na ICD ashingiye ku micungire yizera. Ibisabwa:

• Igihe cy'ishoramari kitagira imipaka;
• Ruble Rable nka konte yinguzanyo zifatizo;
• Umubare ntarengwa w'ishoramari ni amafaranga ibihumbi 50, na miliyoni imwe ntarengwa - miliyoni;
• Imyaka itatu ishoramari;
• Umuntu umwe arashobora gufungura IIS imwe gusa.

Guhitamo Broker, byoroshye birashobora kwimurwa kuva mubindi. Banki igufasha kohereza amafaranga kuri konti kugirango ukomeze gukorana nubwoko butandukanye bwumutungo.

Ibiciro bya ICB kuri IIS

Mugihe ufunguye IIS muri ICD, birasabwa guhitamo kimwe mu ngamba ebyiri. "Amafaranga yinjiza Moscou" na "umurwa mukuru wa Moscou". Itandukaniro nyamukuru rifite inyungu kandi amafaranga yatanzwe ninjiza, ingaruka.

"Amafaranga yinjiza Moscou" yerekana amafaranga 7% atitaye ku kugabanywa imisoro. Ishoramari rishobora gukorwa mu mafaranga make, ifaranga, muri banki y'inguzanyo ya Moscou ". Iyo ukoresheje iyi misoro, gushyira aho gushyira 1.5%, kandi kugenzura ni 0.5% buri gihembwe.

Ingamba ya kabiri "Igishoro cya Moscow" cyemerera kubona amafaranga 10% kuri buri mwaka. Urashobora gukora ishoramari muri bonds, ofz, PIf, amafaranga. Kwishura ni 0.75% yo gushyira na 0.1% yo gucunga. Muriyi mahoro, umubare wumvikanyweho kugirango uhagarike kuri konti yishoramari kugiti cye. Kurugero, niba uhagaritse amasezerano numuryango wimari mugihe cyumwaka, uzokenera kwishyura 2% byamafaranga ari kuri konti.

Hano hari gahunda y'ibiciro "MKB kumurongo" kugirango itange serivisi mumasoko yimari. Umubare wa komisiyo ubarwa n'ijanisha ry'amafaranga ya buri rwose ibikorwa byiza, ni 0.1%. Niba bibaye ngombwa, gutunganya imikoro kubyerekeye kwemerwa amafaranga yatanzwe angana nimibare ibihumbi 3 kuri gahunda imwe.

Nigute ushobora gufungura jewe muri sosiyete?

ICD itanga gufungura konti itasuye banki. Ibi ntibizakenera gufungura konti, kuzuza no kuvana amafaranga. Ibikorwa byose byakozwe ukoresheje PC cyangwa terefone igendanwa. Igihe icyo ari cyo cyose, umushoramari ashobora gusaba raporo ku mpapuro. Muri uru rubanza, ugomba gusura kimwe mu biro bya banki.

Banki y'inguzanyo ya Moscou irasaba mbere kugenzura uburyo konti y'ishoramari ikora, ikora igishoro gito mu mameza 1000. Ingwate nyinshi zifite izina.

Gufungura konti:

1. Ube umukiriya wa banki, gutanga amakuru ya pasiporo nizina rya inn.
2. Hitamo igiciro gikwiye.
3. Kuramo porogaramu idasanzwe.
4. Genda binyuze muburyo bwo kwiyandikisha.
5. Shaka inama yuburyo bwo gushora imari muri bonds utazuzuza konti.

Byongeye kandi, bizaba ngombwa kwemera gutunganya amakuru yihariye no gushyikirana, kwemera gukoresha analogue yumukono wacyo. Hariho na demo verisiyo ushobora kubona byoroshye uburyo bukwiye bwo gushora imari, uzirikane igihe, ubwoko bwa raporo.

Niba ushaka kubona inama, urashobora kubona ishami ryegereye banki, sura ibiro. Hazitangwa kugirango wuzuze ibyifuzo. Iyanyuma ikubiyemo kwerekana amakuru yizewe.

Nyuma yo gutanga icyifuzo cyo gufungura muri banki igendanwa, "ishoramari" rizagaragara kandi konte hamwe na status itangwa. Nyuma yo gukora, inkuru izaza SMS, konte ya Brokerage izaba ikora. Gukora muri ICD mubisanzwe bifata isaha imwe, ariko rimwe na rimwe bifata iminsi itatu.

Inyandiko zo gufungura

Mubyangombwa bisabwa - Passeport na Inn. Urashobora gukenera gusikana cyangwa ifoto yurupapuro rwambere hamwe nifoto nimwe aho amakuru yo kwiyandikisha yerekanwe. Rimwe na rimwe birasabwa. Biroroshye gukoresha ibyifuzo bya ICR kubafite terefone, kuko mugihe ibikorwa kumurongo bizakenera kwinjiza numero ya terefone.

Nigute ushobora kubona umusoro?

Umushahara wumubiri ufite umushahara "wera" urashobora kwiringira kwakira imisoro. Kugira ngo ukore ibi, ugomba gutangaza 3-NFDL, uyatange umugenzuzi wumusoro. Nyuma yibyo, kugenzura inyandiko. Indishyi ntarengwa ni amafaranga ibihumbi 52 ku mwaka. Igenwa nukuri ko bishoboka kubona kugabanyirizwa amafaranga make.

Byongeye kandi, witegure:

• amasezerano na banki;
• 2-Ndfl kuva aho akazi;
• gukuramo kuri konti y'ishoramari;
• kopi y'uruhushya;
• Gusaba kugabanyirizwa.

Ipaki yose yinyandiko zo kubona igabanywa ryimisoro muri ICB ryatanzwe kugeza 30 Mata umwaka ukurikira raporo. Urashobora kongera gusaba serivisi mumezi 36. Nyuma yo gufungura konti y'ishoramari.

Nigute ushobora kuzuza konti?

Nyuma yo gufungura konti yishoramari kugiti cye muri ICD, ukeneye kwimura amafaranga kubisobanuro birambuye. Bashobora kuboneka mubisabwa cyangwa biga mugihe cyo gusoza amasezerano mu ishami. Akenshi, serivisi zo kumurongo, gusaba amabanki cyangwa banki ya Cashier ikoreshwa muguhagurukira.

Nigute ushobora kuna amafaranga kuri konte yawe?

Banki yinguzanyo ya Moscou itanga amahitamo menshi:

• binyuze muri porogaramu igendanwa;
• ku giti cyanjye mu biro;
• kuri terefone.

Niba uhisemo gukuramo ibisobanuro mbere yimyaka 3 nyuma yo gufungura konti, amahirwe yo kubona inyungu zose za leta. Niba barabonetse, bagomba gusubizwa amande n'ibihano.

Mugihe ufunze ICB Nyuma y'amezi 36, urashobora kongera ibikoresho, ubazane ku ikarita cyangwa kuri konti ya banki. Mugihe uhaganagura mubisanzwe, serivisi za serivisi ntabwo zihinduka.

Nigute nshobora gufunga no kubona amafaranga?

1. Mbere yo gufunga, ugomba gukuramo inzira zose ziva kuri konti cyangwa kubihindura.
2. Nyuma yibyo, gusaba byanditswe mwizina rya Broker, byerekana intego yayo no kwerekana amakuru ya konti aho umutungo uzerekanwa.
3. Biracyategereje igisubizo. Mubisanzwe bisiga iminsi itatu mbere yukwezi.
4. Iyo broker yakiriye itangazo, agenzura biterwa nukuri kubona imisoro. Kubireba gukoresha inyungu nkizo, kugabanywa kwabo bibaho.
5. Amafaranga ya nyuma ahindurwa kuri konti yerekanwe mumatangazo. Kubikorwa nkibi, kuba umuntu ku giti cye byumushoramari bisaba kenshi.