Wenza ntoni uMthetho omtsha ngokunxulumene nokusebenza kwabantu abaneeakhawunti zebhanki kunye nokutshintshiselana ngemali?
Akukho nto.
Akukho nto? Batsho, ulawulo lwawela kwaye ubhaliso ngokufumana imali kwinani lamawaka angama-600 okanye ngaphezulu.
Oku kuxhalabisa kuphela amaziko asemthethweni kuphela (ishishini). Phantsi kolawulo olunyanzelekileyo, lonke ususo kunye nobhaliso lwemali kwiiakhawunti ze-purttz kwinani lamawaka angama-600 kunye nangaphezulu, ngelixa ngaphambi kokusebenza okungahambelani nohlobo lweli ziko lezomthetho. Imisebenzi yemali kwiiakhawunti zabantu azikho kulawulo olunyanzelekileyo.
Nokutshintshiselana ngemali?
Kodwa ukutshintshiselana ngemali kweemali ezikwi-500 kwinani lamawaka angama-600 i-ruble kwaye uphantsi kolawulo olunyanzelekileyo. Kodwa yayinjalo ngaphambili, izilungiso ezitsha azinjalo.
Ngendlela, okufanayo kukuthengwa kwe-saline ngemali yenkxaso okanye imali kwikomkhulu eligunyazisiweyo lalo nawuphi na umbutho.
I-600 i-ruble i-rubles - Ngaba yimali yendlela enye okanye yonke imisebenzi yexesha?
Isixa somsebenzi omnye.
Kwaye njani ukuba "nolawulo olunyanzelekileyo"? Ngaba umntu kufuneka aqinisekise ngemvelaphi yemali yakhe xa eqhuba lo msebenzi?
Hayi. Ithetha kuphela loo datha kwiibhanki ezinjalo ziyacelwa ukuba zithumele kwi-rosfinmoning.
Oko kukuthi, iibhanki azinakufuna amaxwebhu aqinisekisa iMvelaphi yeNgxowa-mali kumthengi?
UCanzibe. Kodwa oku akuqhagamshelwanga nomsebenzi wamawaka angama-600 amawaka e-ruble, iibhanki zinezikhrayitheriya zabo eziyimfihlo ezinokuthi ziqwalasele ukusebenza.
Uluvo
"Umthetho wokuba ibhanki inelungelo lokucela amaxwebhu kumthombo wemali unikezwe ngokuthe ngqo yi-P.P. 1.1 iphe. I-1 yobugcisa. I-7 yomthetho we-Federal No. 115-FZ. Umthetho awusenzi igalelo lokusebenza, xa usenza ibhanki icele ulwazi / amaxwebhu kumthombo wemali. Iimeko apho iziko letyala liphumeza ilungelo laso lisekwe ngaphaya kwimithetho yolawulo lwangaphakathi. Olu lwazi luvaliwe "kunye nabathengi azange banxibelelane," watsho kwinkonzo yasebhankini ".
"Ngokomhlathana we-14 weSiqendu 7, 115-FZ, abathengi banyanzelekile ukuba banikezele imibutho eqhuba imisebenzi ngemali okanye kwenye impahla, ulwazi oluyimfuneko ekuzalisekiseni iimfuno zomthetho wobumbano. Ngoko ke, xa efumene isicelo ebhankini, umxhamli unyanzelekile ukuba eze namaxwebhu eceliweyo, isixa-mali kwi yokusebenza akanaye ixabiso, "wongeza intloko FinMonitoring Service Uvrir Alexey Martyanov.
Kwaye luluphi utshintsho emva koko lwaziswa ngumthetho omtsha?Kwimigaqo esebenzayo, ezi zilungiso azinanto ininzi. Umzekelo, yonke intengiselwano yepropathi yentengiso iwele phantsi kolawulo olunyanzelekileyo, isixa esizigidi se-3 ruble (ngaphambili-kuphela kwentelekelelo yokudluliselwa kwamalungelo epropathi), ukuhanjiswa kweposi kwinani le-100 lamawaka kwinani lamawaka angama-600 amawaka kunye nangaphezulu. Ikhutshwe kulawulo oluphantsi kolawulo lokutshintshiselana ngebhanki enye yebhanki kwenye. Xa uhlawula ubucwebe ngemali ("usebenzisa i-elektroniki (" usebenzisa i-elektroniki ye-elektroniki "), yayingeyomfuneko ukubonisa incwadana yokundwendwela ukuba imali yokuthenga ingaphantsi kwamawaka angama-200 (ngaphambili - i-100 lamawaka). Kwakhona, inani leengcaciso zingeniswe kuMthetho.