Ungavula njani i-jes kwi-ICD-inyathelo lenyathelo lenyathelo

Ukusukela ngo-2015, isixhobo esitsha kubatyali mali sivele-iiakhawunti zotyalo mali lomntu. Zenziwe ngenkxaso yoRhulumente ukukhuthaza inani lotyalo-mali kwizokhuseleko. I-IIS iphakamisa amanani aqengqelekayo. Imali, iibhondi azifanelekanga koku. Xa uvala ingxelo enye, unokuvula entsha. Izibonelelo zerhafu ziyasebenza kuzo, ngoko ke urhulumente ubuyisela irhafu ehlawulelwayo okanye akayithathi ipesenti yemisebenzi yomrhwebi.

I-ICD IBhanki iphakamisa ukuthatha ithuba lee-algorithms ezikhethekileyo zokufumana ezona zixhobo zenzuzo. Inkonzo ekhethekileyo yombutho ngamnye ihlolwe zizinto ezahlukeneyo, inika idatha ephambili kwezona zixhobo zemali. Abarhwebi banokukhetha izabelo okanye iibhondi ezinedatha efanelekileyo yexabiso kunye nexesha. I-ICD ibonelela ngenzuzo esisigxina, engcono kune-posipoti yebhanki. Abatyalomali bafumana ithuba lokuphinda bagcwalise amanqaku, bathathe inzala.

Isebenza njani?

I-MOSCOW Cational Ank ibonelela ngamathuba ukufumana ingeniso kutyalo-mali equka ukuncitshiswa kwerhafu, inzuzo efunyenwe kwi-oz kunye notyalo-mali kwi-Skrimes. Umtyalomali unokufumana umvuzo we-12% ngonyaka kunye ne-13% yokutsalwa kwerhafu. Ngokomndilili, umvuzo une-15% ngokungabikho ngokupheleleyo kwemingcipheko.

Ingeniso yotyalo-mali ixhomekeke kwisicwangciso esikhethiweyo. Ezona ndlela zithandwayo ziphakanyiswe yi-ICD zisekwe kulawulo lwetrasti. Iimeko:

• Ixesha lotyalo-mali olungenamda;
• I-Russian Roble njengeakhawunti yemali yesiseko;
• Ubuncinci bemali yotyalo mali ngamawaka angama-50 ama-ruble, kunye neyona nto iphambili kuyo;
• Iminyaka emithathu yotyalo-mali;
• Umntu omnye unokuvula i-IIS enye kuphela.

Ukukhetha umrhwebi, ngokulula kunokudluliselwa kwenye ukuya kwenye. Ibhanki ikuvumela ukuba ugqithisele imali kwiakhawunti ukuze uqhubeke nokusebenza ngeendlela ezahlukeneyo zexabiso.

Intlawulo ye-ICB ye-IIS

Xa uvula i-IIS kwi-ICD, kuyacetywa ukuba ukhethe enye yezicwangciso ezimbini. "Ingeniso yeMoscow" kunye "ne-Moscow Capital". Umahluko ophambili kukunceda kwaye iindleko ezenziwe yingeniso, umngcipheko.

"Ingeniso yeMoscow" ithetha ingeniso ye-7% ngaphandle kokuthatha ingqalelo irhafu yokutsalwa kwerhafu. Utyalomali lungenziwa nge-tihlanu, imali, isitokhwe "i-Moscow yebhanki yetyala". Xa usebenzisa le mali, indawo yokufakwa kwindawo eyi-1.5%, kwaye ulawulo luyi-0.5% kwikota nganye.

Isicwangciso sesibini "I-Moscow Capital" ivumela ukufumana ingeniso kwi-10% ngonyaka. Unokwenza utyalomali kwibhondi, ezz, PIF, i-ruble. Intlawulo yi-0.75% yokufakwa kunye ne-0.1% yolawulo. Kweli ntlawulo, izixa-mali zongezwa ngokupheliswa kweakhawunti yotyalo-mali. Umzekelo, ukuba uyasiphelisa ikhontrakthi ngoMbutho wezeMali apha enyakeni, ukongeza kufuneka uhlawule i-2% yexabiso elikwiakhawunti.

Kukho icebo lerhafu "mkb kwi-intanethi" ukubonelela ngeenkonzo kwiimarike zezemali. Isixa seKhomishini sibalwa yipesenti yexabiso lentengiselwano egqibeleleyo, yi-0.1%. Ukuba kukho imfuneko, ukulungisa izabelo malunga nokwamkelwa komrhumo wesibonelelo ulingana namawaka ama-3 ruble nge-odolo enye.

Ungayivula njani iJes kwinkampani?

I-ICD inikezela ukuvula i-akhawunti ngaphandle kotyelelo oluya ebhankini. Oku akuyi kufuna ukuvula iakhawunti, ukugcwalisa kwakhona kunye nokususwa kwemali. Yonke imisebenzi yenziwa kusetyenziswa i-PC okanye ifowuni ephathekayo. Ngalo naliphi na ixesha, umtyalomali unokucela ingxelo ephepheni. Kule meko, kuya kufuneka undwendwele enye yeeofisi zebhanki.

I-MOSCOW Card Bank kuqala iphakamisa ukukhangela ukuba i-akhawunti yotyalo-mali isebenza njani, yenza ubungakanani botyalo-mali ubuncinci kwi-ruble eyi-1000. Uninzi lweebhondi zinonobumba onjalo.

Ukuvula iakhawunti:

1. Yiba ngumthengi webhanki, ubonelela ngedatha yencwadana yokundwendwela kunye negama le-Inn.
2. Khetha ezona ntlawulo zifanelekileyo.
3. Khuphela isicelo esikhethekileyo.
4. Yiya kwinkqubo yobhaliso.
5. Fumana uthethathethwano ngendlela yokutyala imali ngaphandle kokugcwalisa i-akhawunti.

Ukongeza, kuya kuba yimfuneko ukuvumelana nokuqhubekeka kwedatha yobuqu kunye nokunxibelelana, vumela ukusebenzisa i-analogue yesiginitsha yosayina. Kukho nenguqulo yedemo onokufumana ngokulula ukhetho olufanelekileyo kutyalo-mali, kuthathelwa ingqalelo ixesha, izixa, iindidi zengxelo.

Ukuba unqwenela ukufumana uthethathethwano, unokufumana isebe elikufutshane lebhanki, tyelela iOfisi. Kuya kubakho ukugcwalisa isicelo. Le yokugqibela ibandakanya ukucacisa idatha ethembekileyo.

Emva kokungenisa isicelo sokuvulwa kwi-bhanki yeselula, "utyalomali" ziya kuvela kwaye i-akhawunti ikhutshiwe. Emva kokuba isebenze, i-akhawunti iya kuza i-sms, i-akhawunti yabaphulaphuli iya kusebenza. Ukusebenza kwi-ICD ihlala ithatha malunga neyure, kodwa ngamanye amaxesha kuthatha ukuya kwiintsuku ezintathu.

Amaxwebhu okuvula

Phakathi kwamaxwebhu anyanzelekileyo - ipasipoti kunye ne-inn. Unokufuna iskena okanye ifoto yephepha lokuqala kunye nefoto kunye nendawo apho kuchaziwe khona idatha yobhaliso. Ngamanye amaxesha iyacelwa ngakumbi. Kulula ukusebenzisa i-ICR kwabo bane-smartphone, kuba xa imisebenzi kwi-Intanethi iya kufuneka ifake inombolo yefowuni.

Ungayifumana njani iRhafu?

Abemi bomzimba abanomvuzo "omhlophe" unokufumana ukufunyanwa kwerhafu. Ukwenza oku, kufuneka wenze isibhengezo se-3-NFDL, sinike i-vissions. Emva koko, iitsheki zamaxwebhu. Ubuninzi bembuyekezo bungaphezu kwamawaka ama-52 amawaka ruble ngonyaka. Igqitywe yinyani yokuba kunokwenzeka ukuba incitshiswe ngesixa esilinganiselweyo.

Ukongeza, lungiselela:

• isivumelwano neBhanki;
• I-2-DFL ukusuka kwindawo yomsebenzi;
• Isicatshulwa kwi-akhawunti yotyalo-mali;
• Ikopi yelayisensi;
• Isicelo sokuncitshiswa.

Iphakheji yonke yamaxwebhu ekufumaneni irhafu yokuhlawula irhafu evela kwi-ICB inikezwe kude kube ngu-Apreli 30 wonyaka emva kwengxelo. Ungafaka isicelo kwakhona kwinkonzo kwiinyanga ezingama-36. Emva kokuvula i-akhawunti yotyalo-mali.

Ungayibuyisela njani le ngxelo?

Emva kokuvula i-akhawunti yotyalo-mali nganye kwi-ICD, kufuneka udlulisele imali kwiinkcukacha. Banokufumaneka kwisicelo okanye bafunde ngexesha lokupheliswa kwemvumelwano kwiSebe. Rhoqo, iinkonzo ze-Intanethi, isicelo sebhanki okanye iBhanki yeCashier isetyenziselwa ukuphinda iphinde iphinde igcwalise.

Ungazisa njani imali kwiakhawunti yakho?

I-MOSCOW Ceed Ceed inikezela ngeendlela ezininzi:

• ngesicelo seselfowuni;
• ngokobuqu eofisini;
• ngomnxeba.

Ukuba uthatha isigqibo sokufumana indlela yangaphambi kweminyaka emi-3 emva kokuvulwa kweakhawunti, kunokwenzeka ukuba zonke izibonelelo zerhafu nguRhulumente. Ukuba bafunyanwa, kuya kufuneka babuyiselwe zisohlwayo nezohlwayo.

Xa uvala i-ICB ICR emva kweenyanga ezingama-36, unokufumana izixhobo, ubazise kwikhadi okanye kwiakhawunti yebhanki. Xa uphinda-phinda, iimeko zenkonzo azitshintshi.

Ndingayiva njani kwaye ndiyifumane imali?

1. Ngaphambi kokuvala, kufuneka urhoxise zonke iindlela kwiakhawunti okanye uziguqulele.
2. Emva koko, isicelo sibhalwe egameni lomthengisi, sibonisa injongo yaso kunye nesalathiso sedatha yeakhawunti apho impahla iya kuboniswa khona.
3. Ihlala ilinde impendulo. Ihlala ishiya iintsuku ezintathu phambi kwenyanga.
4. Xa umrhwebi ufumana ingxelo, ahlola ngokwenyani yokufumana ukuncitshiswa kwerhafu. Kwimeko yokusebenzisa ezo zibonelelo, ukuncitshiswa kwabo kwenzeka.
5. Isixa sokugqibela siguqulelwa kwiakhawunti echaziweyo kwingxelo. Ngolo utyando olo, ubukho bomtyali mali bahlala bafuna.