Mu bihe by'ubukungu, Abarusiya bafite ibyo kuzigama ku giti cyabo ntibashaka byinshi kugira ngo babone amafaranga yinyongera, ni bangahe kugirango barinde igishoro cyabo kuva ifaranga. Kubera kugabanuka kwamajwi mubiciro byingenzi bitangwa na banki, inyungu kubitsa ntibishobora kwemeza ko amafaranga akomeye.
Kubwibyo, vuba aha, abaturage batangiye gushakisha cyane ibikoresho byiza byamafaranga yinjiza, kuri konti yishoramari kugiti cye ishobora kwitirirwa (IIS).
Nigute IIS ikora?
Jye na jer ni konte yihariye ya Brokerage yakoreshejwe mugushora mu mpapuro. Iragufasha kubona ibirenze iyo akora kubitsa muri banki, yubika imisoro muri leta kandi yinjiza amafaranga ateganijwe ava mu ishoramari.Konti idasanzwe ya Brokerage irashobora gufungura abenegihugu bo muri Federasiyo y'Uburusiya, iraboneka kugura imigabane, ingoma rusange nizindi mpande. Muri AK utubari, urashobora gufungura banki, kuzuza no gucunga inkuru zishoramari kumuntu muburyo bwa interineti udavuye murugo.
Inzira:
- Fungura kandi wuzuze jyo muri Ak utubari na banki kubuntu rwose. Kora birashobora kuba kure.
- Kugura impapuro ukoresheje portfolio yarangije cyangwa wowe ubwawe mubushake bwawe.
- Shaka amafaranga yinjiza muburyo bwinyungu cyangwa coupons. Byongeye kandi, umushoramari ufite umurimo wemewe araboneka buri mwaka kugabanywa imisoro mugihe cya 13% (kugeza ku gihumbi ibihumbi).
- Iyo igihe cyemewe cyintara kizarangira, hamwe namafaranga yabo hamwe ninjiza yakiriwe.
Ibiciro bya AK Bars Banki na IIS
- Igiciro IIS "Icyemezo cyoroshye"
- Igiciro IIS "umutekano"
- II ishobora gufungura gusa umuntu mukuru kumubiri, icyarimwe umuturage wumusoro numuturage wa federasiyo y'Uburusiya;
- Imwe z'umubiri zifite konti imwe yishoramari rimwe gusa;
- Kuri IIS imwe ntushobora guhuza ubwoko bubiri bwo kugabanywa;
- Konti ntarengwa ya konti ni imyaka 3 (hamwe no gusoza hakiri kare IIS, umukiriya yatakaje ibiruhuko);
- Urashobora kuzuza konti gusa mumafaranga yigihugu mumafaranga agera kuri miliyoni 1 mugihe cyumwaka wa kalendari;
- Gusa nyirayo arashobora gushaka amafaranga kuri konte ye.
- Ubwoko busanzwe A ni kugaruka kwa 13% byamafaranga yakozwe kumafaranga mugihe cyumwaka (kugeza 400), ariko ntibirenze amafaranga yishyuwe nabakiriya ba NDFL (
- Gukuramo Ubwoko B - Amafaranga yakiriwe ku mpapuro ntabwo akurikizwa umusoro ku nyungu mu mubare wa 13%.
- amasezerano yo gufungura IIS;
- Fasha 2-NDFL mu ishami rishinzwe ibaruramari, aho bizerekanwa amafaranga y'imisoro yabitswe mu mukozi (aya mafaranga kandi ashobora gusubizwa no kugabanywa);
- Itangazo ryimisoro ya 3-NDFL, rishobora kwigenga kuri konte yihariye kuri portalog Nalong.ru;
- Broker raporo, amabwiriza yo kwishyura ava mu kigo cy'amabanki, izindi nyandiko zemeza ko amafaranga ya IIS;
- Gusaba kugaruka k'umusoro aho amakuru ya konti azerekanwa kohereza amafaranga.
Inyandiko zakusanyijwe zishobora gutangwa muburyo bworoshye:
- ku giti cyanjye mu bugenzuzi bw'imisoro;
- Kurubuga rwa serivisi yimisoro yuburusiya Nalog.ru;
- Hamwe nubufasha bwa NDFKALKA (AKBARSTFL.F).
Nigute ushobora kuzuza konti?
Umukiriya arashobora kuzuza IIS hamwe no kwishyura kimwe cyangwa impagarara nto igihe icyo aricyo cyose. Birakenewe gusa kwibuka ko mugihe cyumwaka wa kalendar ntushobora gukora amafaranga arenga miliyoni.Urashobora kuzuza konte yawe yo gushora imari kuri School.Akbars.ru/IIIIIIIIS muri tab. Umukoresha azakenera kwerekana numero ya konti, isoko (ububiko cyangwa byihutirwa), yuzuye namafaranga. Iyo yishyuye ikarita ya AK bar Bank, Komisiyo ntabwo yishyurwa.
Urashobora kandi gushaka amafaranga kuri IIS nayo kuri konte yawe ya mobile cyangwa kuri interineti "ak utubari kumurongo".
Nigute ushobora kuna amafaranga kuri konte yawe?
Uhereye kuri konti, amafaranga arashobora kure kure cyane binyuze muri AK bubari kumurongo. Umukiriya akeneye gufunga IIS hanyuma ashyireho konte yishyuye cyangwa ikarita yo kohereza amafaranga.
Niba umushoramari yiyemeje guhagarika amasezerano yimyaka 3 uhereye umunsi afunguye konti, ntishobora kubara ibiruhuko bya leta. Rero, kugabanywa imisoro byakiriwe muri iki gihe, uzirikana ihazabu, bizakenera kugaruka.
Niba IIS ifunga nyuma yimyaka 3 nyuma yo gufungura, umukiriya arashobora kongera kwinjiza amafaranga yakiriwe kugirango azane kuri konti ya banki. Ibi birashobora gukorwa binyuze muri banki igendanwa cyangwa kuri interineti, hamwe no guhura nishami.
Nigute nshobora gufunga no kubona amafaranga?
Amafaranga kuri konti arashobora kwerekanwa kuri konte ya Brokerage (fungura izina ryabakiriya) cyangwa kwimura amafaranga. Kugira ngo ufunge IIS, ni ngombwa kumenyesha umuhuza kubitekerezo byayo (bizaba ngombwa kuvugana nibiro •. Gusaba izina rya Broker bigomba gusobanurwa aho amafaranga azerekanwa cyangwa umutungo uboneka.
Nk'uburyo, gufunga IIS birasabwa kuva muminsi 2-3 kugeza ukwezi 1. Muri kiriya gihe, broker asobanuye muri FTs niba umukiriya yakoreshejwe numusoro, kandi akabarwa kandi agumana imisoro, gutunganya umutungo wa konte ateganijwe mumatangazo.
Nyamuneka menya ko kuva mugihe cyo gusaba kandi mbere yo gufunga nyacyo IIS, umukiriya ntashobora kongera gukora ibikorwa no kwishimira konte yawe.