Ungayibuyisa njani iidipozithi ezingaqhelekanga ngaphambi kweshedyuli - enye yeyona mibuzo ibuzwa rhoqo. Samcela ukuba akhe enze iibhanki kwaye yile nto bayifumeneyo.
Udluliselo oluninzi lweedipozithi ezivela kwiibhanki zeBelausian zinciphile kancinci. Ngokuyinxenye kuba isabelo esifanelekileyo sezona ndawo zikhulu kwaye idipozithi yengeniso ayicacanga. Oku kuthetha-imali inikwa ibhanki yexesha elimiselweyo kwaye imbuyekezo yawo yangaphambili ayinikezelwanga.
Nangona kunjalo, umnqweno wokuphinda ubuyise imali yayo ayilahlekanga, kodwa ivuya minyaka le itsiba kunye nolunye uhlobo lwezoqoqosho (kunye nezopolitiko).
Ukubakho kokubuyisa idiphozithi engenanto ngaphambi kwexesha. I-Myfin.by iqokelele zonke iimeko zokubuya. Sithumele izicelo zeebhanki zaseBelarus kwaye sazisa iimpendulo ezifunyenweyo (ezo bhanki zibonelela ngolwazi).
I-BPS Sberbank
Imbuyekezo yokuqala yediphozithi engenakuthelekiswa nanto inokwenzeka kuphela ukuba kukho isizathu esivakalayo sokusetyenziswa komthengi. Kuya kufuneka ube nepasipoti kunye namaxwebhu okuqinisekisa.Uluhlu lwezizathu zizizathu zemfuno zangoko zedivu yedipozithi engekho mthethweni:
- Ngokwamaxwebhu esigqeba ngokuhambelana nomthetho.
Imibhalo elawulayo yamaxwebhu asemthethweni (okanye amanye amaxwebhu olawulo) aya kufuneka;
- Ukwakhiwa, ukwakha kwakhona, ukuthengwa kwezindlu kunye nezinye izindlu nomhlaba (ezakho okanye izalamane zakho).
Izivumelwano (Izivumelwano zokuqala) zokulwa nokuthengiswa kwezindlu, ukuthenga kwezindlu kunye nokuthengisa (ezinye izindlu), isatifikethi sokubhaliswa kwesithili, iSatifikethi soBhaliso loMhlaba, njl.
- Ngonyango (eyakho, okanye izalamane ezisondeleyo).
Isatifikethi siyakufuneka, isicatshulwa esivela kwimbali yesi sifo (amanye uxwebhu) lweziko lezonyango, amaxwebhu aqinisekisa ubudlelwane obunxulumene noko (izatifikethi zomtshato), izisombululo zomsebenzi, njl.njl.
- Ukuhamba ukusuka eBelasus ukuya kwi-Administration ngokusisigxina.
Isimemo sokusebenza kunye namanye amaxwebhu angqina kuya kufuneka.
- Ukusweleka kwedatathi.
Ifuna amaxwebhu angeniswe ziindlalifa ngokungqinelana nomthetho, isatifikethi sokusweleka.
- Ukufa kwezihlobo ezisondeleyo zomgcini-mpahla.
Ifuna amaxwebhu aqinisekisa ubudlelwane obunxulumene noko.
- Ukupheliswa kwemvumelwano yengqesho (ikhontrakthi) enegalelo kwizizathu ezibonelelwe kumhlathi 1, 2 no-6 kwiNqaku le-42 leKhowudi yezabaSebenzi yeRiphabhlikhi yaseBhululus (TC RB).
Iya kuthatha incwadi yomsebenzi.
- Isifo esigciniweyo okanye isalamane sakhe esisondeleyo, esabangela ukukhubazeka ngaphezu kwenyanga enye.
Uxwebhu olungqinisisiweyo olukhutshwe liziko (igosa) lenkqubo yezempilo iya kufuneka.
- Iingozi (umlilo, ukuqhuma, izikhukula, njl njl); Iintlekele zemvelo (isaqhwithi, izikhukula, njl. Njl.); intlekele.
Kuya kuba yimfuneko kwisatifikethi ukusuka kwii-khes, iBhunga leLali, njl.
Kwimeko yobhaliso lokuqala, ibhanki iphinda inomdla kwidipozithi ukuya ekunciphiseni.
IParkotbank.
Ukuba umxhasi akanasizathu sihle sokuvala igalelo, kufuneka abhale ingxelo. Esi sicelo siza kuqwalaselwa kwiintsuku ezili-14 zomsebenzi kwaye ibhanki iya kunika impendulo /
Ukubuya kwangethuba kungenxa yokuba:
- Unyango lomgcini-mpahla okanye izalamane zayo ezisondeleyo (iziselo).
Ukuqinisekisa, uyakufuna isatifikethi sezonyango malunga nesidingo sonyango, kunye (okanye) isicatshulwa kwimbali yesi sifo, kwaye (okanye) i-invoice yokuhlawulwa kweenkonzo zonyango, Ukufunyanwa kwamayeza, izixhobo zonyango, amaxwebhu aqinisekisa ubudlelwane (ipropathi).
- Uqeqesho kumaziko efundo ephezulu kunye nenqanaba lesibini le-posiplase okanye izalamane zayo ezisondeleyo (iziselo).
Isiqinisekiso-ikhontrakthi kunye (okanye) i-invoice yoqeqesho; Amaxwebhu aqinisekisa ubudlelwane (ipropathi).
- Abahlali beRiphabhlikhi yaseBelarus-Ukuhamba ngaphaya kwemida yeBelasus yeDievisi okanye izalamane zayo (izidlo).
Xa uhamba kwindawo ohlala kuyo isigxina, isiqinisekiso yi-visa, isigqibo malunga nokubonelelwa kwelungelo lokuhlala ngaphandle kweRiphabhlikhi yaseBelasus, amanye amaxwebhu aqinisekisa ukumka, amaxwebhu aqinisekisa ubudlelwane (ipropathi).
Xa uhamba kwindawo yomsebenzi (endaweni yomlingane), isiqinisekiso-Isiqinisekiso-I-Visa, ikhontrakthi ye-visa, iikopi zamaxwebhu aqinisekisa ubudlelwane (ipropathi).
- Ukufunyanwa, ulwakhiwo lwezindlu, izindlu zegadi ngegalelo okanye izalamane zakhe ezisondeleyo (intolongo).
Isiqinisekiso-ikhontrakthi yokuthengisa, ulwakhiwo lwezoLimo, ukuthenga kunye nokuthengiswa kweeBonds zendlu. Iikopi zamaxwebhu aqinisekisa ubudlelwane, ipropathi.
- Ukusweleka kweqabane (kunye) ne-uffetise okanye izalamane zakhe ezisondeleyo (iziselo).
Isiqinisekiso-Isatifikethi sokusweleka; Amaxwebhu aqinisekisa ubudlelwane, ipropathi.
- Iimeko zokunyanzelwa kweMali: Ingozi, Iintlekele Zemvelo, Umzila, Izikhukula, inqwelo moya (i-Auto) yentlekele, i-Auto).
Isiqinisekiso yiprotocol, isatifikethi sokuhlola, amanye amaxwebhu aqinisekisa ubukho beemeko ze-Aunks, amaxwebhu aqinisekisa ubudlelwane.
- Isidingo sokuphumeza izibophelelo kubabolekisi kwi-posiser okanye izalamane zayo ezisondeleyo (iziselo).
Isiqinisekiso sisigqibo senkundla, umbhalo olawulayo, imfuneko yokubuyiselwa kwetyala letyala.
- Ukuphulukana nemithombo yengeniso kwiDepositor okanye kwinkosikazi yakhe (iqabane).
Isiqinisekiso-Incwadi yabasebenzi.
- Impazamo yengcali xa uvula idipozithi.
Isiqinisekiso-Imemorandam yecandelo lesakhiwo.
Yonke into iconjululwe kwisebe lebhanki. Kwimeko yokukhutshwa kwangoko, igalelo liza kuyibuyisela inzala.
I-belveb
I-Bhanki ilungele ukuqwalasela ukhetho lokubuya kwangoko komnikelo ongenakuthelekiswa nawo ngokuxhomekeke kwezi ndawo zilandelayo:- Isifo sedipozithi, esabangela ukukhubazeka kwayo ngaphezulu kwenyanga enye, kwavuka idipozithi.
- Esi sifo isalamane esisondeleyo se-Deberenini sikhokelele ekukhungelweni kwakhe ngaphezu kwenyanga enye, esaqala idipozithi.
- Ukusweleka komnini weakhawunti.
- Ukusweleka kwesihlobo esisondeleyo somgcini-ntengi, emva kwedipozithi.
- Ukupheliswa kwemvumelwano yengqesho (ikhontrakthi) ngegalelo kwiSiqendu 1, 2 ne-6 lenqaku 42 le-TC RB emva kwedipozithi.
- Ukusekwa kwe-akhawunti i-akhawunti endiyikhupheleyo okanye i
Phantsi kwezizalamane ezisondeleyo liqabane (iqabane), abazali, abazali abazamkelayo (abakwishumi elivisayo), bantwana, kubandakanya ukwamkelwa (abazukulwana), utat'omkhulu, abazukulwana kunye nabazukulwana.
I-Belgazmenk.
I-Bhanki iyavuma ukubuya kwangethuba legalelo elingenakuthelekiswa nanto phantsi kweemeko ezininzi.
Isiteyitimenti esibhaliweyo se-Deviereyitha siyimfuneko, sibonisa izizathu zokubuya kwasekuqaleni komrhumo ongxamisekileyo ongxamisekileyo.
Iimfuno zomncedisi ekubuyiseleni kwangethuba zedipozithi kungenxa yezizathu zenjongo ezilandelayo (eziqinisekisiweyo eziqinisekisiweyo):
- Ukusweleka kwesihlobo esisondeleyo somgcini;
- Isidingo esibhaliweyo, ukhathalelo oluhlawulelweyo lonyango olungxamisekileyo kwifashophu okanye izalamane zakhe ezisondeleyo;
- ukuphulukana nokukhubazeka ukusebenza ngaphezulu kweenyanga ezintandathu;
- Umonakalo kwizakhiwo zokuhlala, ukubanakwenzeka ekuhlaleni kuwo;
- Ukufumana iDipozikhi yesiKhubalo esiphambili 1, 2, 3;
- Ukupheliswa kwengqesho yedipozithi yomqeshi, uqinisekisile ubhalisi (ikopi yengxelo yengqesho).
Ixesha lokungafezeki kwe-fash-gcinweni livela kwinyanga e-1 nangaphezulu.
Ukupheliswa kwangoko: Ukuba umxhasi ukuphelise idipozithi ngaphambi kwexesha, yonke inzala iya kuphinda iphinde iphinde iphinde ithathelwe phantsi phantsi kwexabiso lenzala kwimeko yokupheliswa kwangoko.
Ibhanki yebhanki
Ukupheliswa kwangoko kwedipozithi kunokwenzeka kuphela ngemvume yeBhanki kwisicelo somthengi.Amaxwebhu aqinisekisa ubunyani bolwahlulo lwangoko lwedipozithi kunokuba:
- Isatifikethi sokufa okanye ukugula kakhulu sesalamane esisondeleyo;
- Isivumelwano sokuthenga sepropathi yezakhiwo (kodwa hayi isivumelwano kwiinjongo);
- Amaxwebhu aqinisekisa amandla e-surure kunye neemeko zokunyanzelwa ukubamba.
Ungabhala ingxelo kuyo nayiphi na iofisi yebhanki okanye ushiye umnxeba we-elektroniki kwindawo.
Inzala iphinda iphinde iphinde yenziwa ngenqanaba lokupheliswa kwangoko kwe-0.0001%.
Belarusbank
Impendulo kaBelarusbank yaza ngokukhawuleza, kodwa yayimfutshane kakhulu:
Ngokuhambelana nemigaqo yemvumelwano, igalelo alinalungelo lokufuna ukubuya kwangoko kwegalelo (iinxalenye zomrhumo) kunye / okanye ukupheliswa kwangoko kwesivumelwano.
Kwisiciko sokuqala sedipozithi, iBhanki yenza ukuba iphonononge inzala kwisicelo sokufuna lonke ixesha lokugcina:
- Kwimali yangaphandle ye-0.1% ngonyaka;
- emhlophe I-ruble i-0.5% ngonyaka.
Ke ngoko, ukukwazi ukubuyisela umnikelo kuse-phaya, kodwa ngokujonga lo mbandela kuya kuba kukodwa xa umxhasi uphatha.
I-PARREBBK
Impendulo kaPerybak yayifutshane, kodwa, enyanisweni, icacile:Xa ufaka isicelo somthengi ebhankini ekuqaleni kokufuna igalelo elingenakuthelekiswa nanto, isicelo sakhe siqwalaselwa ngokukodwa.
Imigaqo yokubuyisa kwangaphambi kwexesha lelo lilawulwa yiBhanki kaZwelonke kwaye yenziwa kwiimeko ezizodwa ezinxulumene nobomi kunye nezempilo yomthengi okanye izalamane zayo.
Zeziphi ezinye iibhanki?
Ngokutsho kohlolo lwabathengi kunye nabacebisi kwezinye iibhanki, imeko kuzo iphantse yafana. Uninzi luhlala lusithi olungela ukususa umnikelo ongenakuthelekiswa nanto. Kwiibhanki ezahlukeneyo, zizathu zibizwa ngokuba:
- Isifo sediliya esinzulu okanye izithandwa ezinzulu ukuba kunyango okuhlawulelwayo kuyafuneka;
- Ukufumana idipozitha yokukhubazeka kweqela le-I-II;
- Ukusweleka kwe-Deberestan, rhoqo - iqabane (iqabane) le-positour;
- Ukuphulukana nomsebenzi akubangelwa sisiphoso esigciniweyo somgcini-bhatathiwe kwaye uqhubeke ngokuqhubekayo;
- Imfuneko engxamisekileyo yemali ngenxa yentlekele yemvelo, umlilo kunye nezinye iimeko ezifanayo.
Soloko unika nayiphi na iminikelo yesigqibo senkundla. Nangona kunjalo, le mali ihlala ingahambi kwigalelo, kodwa kukubuyisela iimbophelelo zayo.
Ukwakhiwa, ukufunyanwa kwepropathi yokufunda nokufunda kuyazi kakuhle izizathu zokukhupha imali hayi kuyo yonke indawo.
Eyona nto iphambili kukuba idibanisa zonke iibhanki - ukuqwalaselwa komntu ngamnye kwisicelo ngasinye sembuyiselo yokuqalisa. Cinga nge-14-15 yeentsuku. Isigqibo esifanelekileyo asiqinisekanga naphi na.