Iyo inyungu kubitsa byabaye hasi, benshi bibaza niba IIS igomba gufungura muri Sberbank. Kubatamenya, basobanura ko ISS ari konti yishoramari kugiti cye, abantu bashobora kwitabira isoko ryimigabane kandi icyarimwe baruhuka imisoro.
Isoko ryimigabane na bonds birashobora rwose kuzana inyungu nyinshi kuruta kubitsa muri banki, ariko amafaranga yinjiza ndetse no kubungabunga amafaranga yambere ntashobora kwizerwa. Kugira ngo ufate umwanzuro ukwiye, ibintu bimwe na bimwe bigize IIS muri Sberbank bigomba kumenyekana mbere.
Kuki IIS igomba gufungura muri Sberbank
Kubwamahirwe, inyungu kubitsa muri banki birashobora kuba munsi yuburyo busanzwe. Bibaho cyane cyane gutukana mugihe umusanzu mubible wakozwe mugihe cyubukungu bwo hanze. Ariko rero, mugihe cyo kubitsa, ikintu kibaye, ibintu bihinduka cyane, kandi ibiciro byahindutse - birimbura rwose inyungu zose, kandi birenze amafaranga yakiriwe neza arashobora kugurwa mugihe gito.Ibikoresho bya IIS
Hoba hariho uburyo bwo kubona ibirenze kuri banki? Niho kuri iyi gahunda yasabwe na sisitemu ya konti yishoramari kugiti cye, ushobora gushora amafaranga atari kubitsa, ariko mu masoko yimpapuro.
Ba nyiri konti barahari cyane cyane amasomo abiri y'ibikoresho: ingoyi - inshingano z'imyenda ya Leta n'amasosiyete, bituma habaho umugabane mu bigo, bituma abona igice cy'inyungu, ndetse no kwinjiza an kwiyongera kumasomo.
Niba ibintu byose bisobanutse hamwe nububiko, amaherezo kumunsi wo kwishyura umushoramari azahabwa amafaranga yasezeranijwe, noneho imigabane yinjiza ntabwo yemejwe. Abatangiye bagomba gusaba kudasubira inyuma cyane cyane inyungu nyinshi, ariko gutangirira kubigo byiza, bitwa chip yubururu.
IIS hamwe n'imisoro
Kugirango ashimishe abaturage mu ishoramari mu mpapuro, Leta yatanze inyungu zisoko ku misoro. Byongeye kandi, amahitamo abiri kuri IIS iratangwa. Ubwa mbere, urashobora kubona imisoro kumafaranga agera ku 52 kumwaka mugihe uzuzuza konti yishoramari kugiti cye. Ubu bwoko bwa IIS ifitiye akamaro ababona umushahara wera. Ariko bifatwa nkibyabaye kuri ba rwiyemezamirimo kugiti cyabo na pansi.Ihitamo rya kabiri ni uburyo bwo kwibohora IIS kuva umusoro ku nyungu ku nyungu zose zahimbwe mu rwego rwo kwitabira iyi gahunda. Ubu bwoko bwa konti bubereye abashora amafaranga menshi.
Kubwamahirwe, icyarimwe, birashoboka kandi kubona undi, umukiriya agomba guhitamo haba iyambere cyangwa isegonda.
Nigute ushobora gufungura Jye muri Sberbank
Mu ntangiriro, gusaba birashobora kuzuzwa kurubuga haba kuri sisitemu yabakiriya-banki. Kuva mushoramari Passeport izasabwa gusa. Kandi, birumvikana ko inyandiko zo kwakira imisoro, icyemezo cyatanzwe n'aho y'akazi, impapuro z'umusoro, n'ibindi.
Umuturage wese arashobora gufungura IIS imwe gusa. Ijambo ntarengwa ni imyaka itatu, kandi kuvanaho hakiri kare ntibishoboka. Urashobora kuzuza gusa konti ukoresheje amafaranga, itarenze kuringaniza miliyoni 1 kumwaka. Aya mategeko ntabwo afite ishingiro muri Sberbank gusa, ibi bireba IIS yose.
Kuki uhitamo Sberbank kuri IIS
Igenzura rya Sberbank riri mu maboko ya Leta, kandi rwose ruzashyigikira iki kigo cy'inguzanyo mubihe byose. Kubwibyo, ishoramari iryo ari ryo ryose muri Sberbank rirashobora gufatwa nka kimwe mu kwizerwa, kimwe nurugero, hamwe nimpapuro za leta.Kugeza ubu, Sberbank ntabwo ari banki nini gusa, ariko nanone abaturage bazwi cyane. Kandi ibi bivuze ko uyu muryango ufungura kandi ukora cyane IIS. Ni ukuvuga, inzobere zifite uburambe buhagije.
Uruhande rwinyuma rwumubare munini wabakiriya ni umurongo uboneka mubice bifitanye isano nishoramari ryibishoramari, kandi ntabwo ari fagitire yingirakamaro gusa.
Igipimo cya serivisi IIS Sberbank yerekanwe irushanwa cyane, mubihe bimwe na rimwe no munsi yabandi bakozi mumasoko yimigabane. Kurugero, ibikorwa byisoko ryimigabane biva kuri 0.018 kugeza 0.06%.
Sberbank itanga abakiriya bayo biteguye ibisubizo byishoramari bya IIS. Umubare ntarengwa wo kubitsa amafaranga ibihumbi 10. Kugeza ubu, hari uburyo bubiri bwo guhitamo muri: "Ingamba zo kwegeranya" na "ingamba z'Abarusiya". Interuro yambere ni ishoramari riharanira inyungu muri bonds. Ihitamo rya kabiri, nkuko bigaragara mu izina - rishingiye ku kugura imigabane, aho umusaruro uteganijwe haruguru, ariko kandi ibyago bizaba hejuru.
Nangahe nshobora kubona amafaranga kuri IIS muri Sberbank
Amafaranga yinjira muri IIS ntabwo yemejwe nubusobanuro. Ariko hariho, reka tuvuge ko ibyo twiteze bishingiye ku iteganyagihe ryasesenguzi. Kandi umusaruro uterwa numuntu wiruka neza muri konti.
Nk'uko byategurwaga mbere y'abakiriya bashya, ibicuruzwa bya SBERBANK BITANDUKANYE n'ishusho ya 6.9-9.1 ku ijana by'imyuga y'abaturage, igizwe n'ingwate. Dukurikije imigabane, ikigo cy'inguzanyo birinze amasezerano.
Muri rusange, harashobora kuvugwa ko hari amafaranga ku bubiko, mu bihe byashize byashoboye kubona na 30, ndetse n'ibindi ijana ku mwaka. Ariko hariho n'abagumyeho igihombo kinini. Muri icyo gihe, IIS ifite amahirwe imwe: uwabitsa ntabwo agomba kuba indorerezi ya pasiporo kubibera. Ashobora kwiga isoko ubwaryo, bunguka uburambe mubucuruzi bwimigabane no kwinjira mubikorwa byabo bwite. Muri iki gihe, bizaba byibura umuntu wo kubaza.
Ibyiza n'ibibi bya Js muri Sberbank
Reka tuvuge muri make kugirango abantu bose bafate umwanzuro wawe. Rero, ibyiza byo gufungura IIS muri Sberbank:
- Umusaruro uteganijwe urenze kubitsa.
- Ubushobozi bwo gusubiza umusoro winjiza umuntu wishyuwe nkumusoro niba uhisemo IIS yubwoko bwa mbere.
- Urebye iyi garuka, ubucuruzi buzatangirana na plus ibihumbi 52 kumwaka. Ni ukuvuga, umushoramari wa Novice afite gutanga isoko.
- Uburambe bushya. Uruhare rwisoko ryimigabane kuri benshi ni inzira ishimishije itazana gusa inyungu zishora amafaranga, ariko nanone umunezero ukomokamo.
Kubwamahirwe, muri IIS iri muri IIS nibibi, bitandukanye nintererano yoroshye. Icy'ingenzi muribi ni:
- Amafaranga yinjiza ntabwo yemejwe. Rimwe na rimwe, ndetse no gutakaza birashoboka.
- Amafaranga ntashobora gukurwaho hashize imyaka itatu. Bitabaye ibyo, ugomba gusubira muri leta kugabanywa imisoro yakiriwe na IIS izishyura, kwishyura NDFL.
- Urashobora gushora imari gusa muri ubu buryo. Ni ukuvuga, IIS ntabwo irinda impinduka zishoboka mumasomo yigihugu yigihugu.