Ungalivula kanjani uJes ku-ICD - Imiyalo yesinyathelo-ngesinyathelo

Kusukela ngonyaka ka-2015, kwavela ithuluzi elisha labatshalizimali - ama-akhawunti wokutshala imali ngamunye. Badalwe ngokuxhaswa kombuso ukukhuthaza inani labantu bokutshala imali ekufezeni. Iis iphakamisa ukubhaliswa kwama-ruble kuphela. Imali, amabhondi awalungele lokhu. Lapho uvala i-akhawunti eyodwa, ungavula okusha. Izinzuzo zentela zisebenza kuzo, ngakho-ke umbuso ubuya nezintela ezikhokhelwayo noma angathathi amaphesenti wemisebenzi yabadayisi.

Ibhange le-ICD lihlongoza ukusizakala ngama-algorithms ahlukile ngokuthola impahla enenzuzo kakhulu. Insizakalo ekhethekile yenhlangano yezezimali njalo ngomzuzwana ihlolwe yizinto ezahlukahlukene, inika idatha ye-topical kwizimpahla ezibuyiselwe kakhulu. Abahwebi bangakhetha amasheya noma amabhondi nedatha engcono kakhulu yenani nesikhathi. I-ICD inikeza inzuzo ehleliwe, engcono kunemali ebekiwe yasebhange. Abatshalizimali bathola ithuba lokuphinda baphinde bathole amaphuzu, bathathe inzalo.

Isebenza kanjani?

I-Moscow Credit Bank inikezela ngethuba lokuthola imali ekutshalweni kwemali okubandakanya ukuncishiswa kwentela, inzuzo etholwe kusuka ku-atz nasekutshaleni imali ekuvikelekeni. Umtshalizimali angathola imali etholwayo etholakele ku-12% ngonyaka kanye ne-13% yokudonswa kwentela. Ngokwesilinganiso, imali engenayo ingu-15% ngokubikho okuphelele kwezingozi.

Imali engenayo yokutshalwa kwezimali incike kwicebo elikhethiwe. Izinketho ezithandwa kakhulu ezihlongozwe yi-ICD zisekelwe ekuphathweni kwe-Trust. Imibandela:

• Isikhathi sokutshala imali esingenamkhawulo;
• I-Russian Ruble njenge-akhawunti yemali eyisisekelo;
• Inani elincane lokutshala imali lingama-ruble ayizinkulungwane ezingama-50, kanye nesibalo esiphezulu - 1 million;
• Iminyaka emithathu yokutshala imali;
• Umuntu oyedwa angavula i-IIS eyodwa kuphela.

Ukukhetha umthengisi, kalula kungadluliselwa kusuka komunye kuya kwenye. Ibhange likuvumela ukuthi udlulise imali kwi-akhawunti ukuze uqhubeke nokusebenza nezinhlobo ezahlukene zezimpahla.

Izintela ze-ICB ze-IIS

Lapho uvula ama-IIS kwi-ICD, kuhlongozwa ukuthi ukhethe elinye lamasu amabili. "Imali engenayo yeMoscow" ne "Capital Capital". Umehluko oyinhloko ukuzuzisa nezindleko ezenziwa yimali engenayo, ubungozi.

"Imali engenayo yeMoscow" isho imali engenayo engu-7% ngaphandle kokucabanga ukuncishiswa kwentela. Ukutshalwa kwemali kungenziwa ngo-FIF, CURRENCY, Stock "Moscow Credit Bank". Lapho usebenzisa le mali ekhokhwayo, ukubekwa kokubekwa kungu-1.5%, futhi ukulawulwa kungu-0.5% ikota ngayinye.

Isu lesibili "I-Moscow Capital" ivumela ukuthola imali kuma-10% ngonyaka. Ungenza utshalomali ngama-bond, ofz, PIF, ama-ruble. Ukukhokha kungu-0.75% wokubekwa kanye ne-0,1% kwabaphathi. Kule mali, amanani athathwa ngokunye ukunqanyulwa kwe-akhawunti yomuntu ngamunye yokutshala imali. Isibonelo, uma unqamula inkontileka nenhlangano yezezimali phakathi nonyaka, uzokwengeza ukufeza ama-2% wenani eliku-akhawunti.

Kunecebo lentela "MKB Online" ukuhlinzeka ngezinsizakalo ezimakethe zezimali. Inani leKhomishini libalwa ngamaphesenti enani lemisebenzi ngayinye ephelele, ngu-0,1%. Uma kunesidingo, ukucubungula izabelo mayelana nokwamukelwa kwemali enikeziwe kulingana nama-ruble ayizinkulungwane ezi-3 nge-oda elilodwa.

Ungalivula kanjani uJes?

I-ICD inikeza ukuvula i-akhawunti ngaphandle kokuvakashela ebhange. Lokhu ngeke kudingeke ukuvula i-akhawunti, ukuphindisela kanye nokususwa kwemali. Yonke imisebenzi yenziwa kusetshenziswa i-PC noma ifoni ephathekayo. Nganoma yisiphi isikhathi, umtshalizimali angacela umbiko ephepheni. Kulokhu, kuzofanela uvakashele elinye lamahhovisi asebhange.

I-Moscow Credit Bank iphakamisa ukubheka ukuthi i-akhawunti yokutshala imali isebenza kanjani, yenza imali encane ngama-ruble ayi-1000. Amabhondi amaningi anomqondo onjalo.

Ukuvula i-akhawunti:

1. Yiba iklayenti lasebhange, ukuhlinzeka ngemininingwane yepasipoti kanye negama le-Inn.
2. Khetha intela efaneleke kakhulu.
3. Landa uhlelo lokusebenza olukhethekile.
4. Dlula kwinqubo yokubhalisa.
5. Thola ukubonisana kokuthi ungatshala imali kanjani kuma-bond ngaphandle kokuphinda usebenzise i-akhawunti.

Ngokwengeziwe, kuzodingeka ukuthi uvume ukucubungulwa kwemininingwane yomuntu siqu nokuxhumana, ukuvumelana usebenzisa i-analogue yesiginesha yayo. Kukhona nenguqulo yedemo ongayithola kalula inketho efanelekile yokutshala imali, unaka isikhathi, amanani, izinhlobo zokubika.

Uma ufisa ukuthola ukubonisana, ungathola igatsha eliseduzane lebhange, vakashela ehhovisi. Kuzonikezwa ukugcwalisa uhlelo lokusebenza. Lesi sakamuva sibandakanya ukuchaza idatha ethembekile.

Ngemuva kokuthumela isicelo sokuvula ebhange leselula, kuzovela isigaba se- "Investmentments" kanye ne-akhawunti ngesimo sikhishwe. Ngemuva kokusebenza, i-akhawunti izofika nge-SMS, i-akhawunti yabathengisi izosebenza. Ukwenza kusebenze ku-ICD kuvame ukuthatha cishe ihora, kepha kwesinye isikhathi kuthatha izinsuku ezintathu.

Imibhalo Yokuvula

Phakathi kwemibhalo ebophekile - ipasipoti kanye ne-Inn. Ungadinga ukuskena noma isithombe sekhasi lokuqala nesithombe naleyo lapho kuboniswa khona idatha yokubhalisa. Kwesinye isikhathi kuyacelwa futhi. Kulula ukusebenzisa okunikezwayo kwe-ICR kulabo abane-smartphone, ngoba lapho ukusebenza online kuzodinga ukufaka inombolo yocingo.

Ungakuthola Kanjani Ukudonswa Kwentela?

Izakhamizi ezingokomzimba ezinomholo "omhlophe" zingathembela ekutholeni ukuncishiswa kwentela. Ukuze wenze lokhu, udinga ukwenza isimemezelo se-3-NFDL, sikunikeze ngokuhlola intela. Emva kwalokho, ama-DOMSAITION ahlola. Isinxephezelo esiphezulu sifinyelela kuma-ruble ayizinkulungwane ezingama-52 ngonyaka. Kunqunywa ngeqiniso lokuthi kungenzeka ukuthola ukuncishiswa ngenani elilinganiselwe.

Ngokwengeziwe, lungiselela:

• isivumelwano nebhange;
• 2-NDLL kusuka endaweni yomsebenzi;
• okukhishwe kwi-akhawunti yokutshala imali;
• ikhophi yelayisense;
• Isicelo sokudonswa kwemali.

Iphakethe lonke lemibhalo yokuthola ukuncishiswa kwentela kusuka ku-ICB kunikezwa kuze kube ngu-Ephreli 30 wonyaka olandela ukubikwa. Ungafaka isicelo senkonzo ezinyangeni ezingama-36. Ngemuva kokuvula i-akhawunti yokutshala imali.

Ungayigcwalisa kanjani i-akhawunti?

Ngemuva kokuvula i-akhawunti yokutshala imali ngakunye ku-ICD, udinga nje ukudlulisa imali ukuthola imininingwane. Zitholakala kuhlelo lokusebenza noma zifunde ngesikhathi sokuphetha kwenkontileka eMnyangweni. Imvamisa, izinsizakalo eziku-inthanethi, uhlelo lwebhange noma ibhange le-cashier lisetshenziselwa ukubuyisa.

Ungayiletha kanjani imali kwi-akhawunti yakho?

Ibhange lesikweletu laseMoscow linikeza izinketho eziningi:

• Ngohlelo lokusebenza lweselula;
• mathupha ehhovisi;
• ngocingo.

Uma uthatha isinqumo sokuthola izindlela ngaphambi kweminyaka engu-3 ngemuva kokuvulwa kwe-akhawunti, amathuba okuthola zonke izinzuzo zentela ngumbuso. Uma betholakele, kuzofanela babuyiselwe nezinhlawulo nezinhlawulo.

Lapho uvala i-ICB ICR ngemuva kwezinyanga ezingama-36, ungavuselela amathuluzi, uwalethe ekhadini noma kwi-akhawunti yasebhange. Lapho ngivuselela ngokuvamile, izimo zenkonzo azishintshi.

Ngingayivala kanjani futhi ngithole imali?

1. Ngaphambi kokuvala, udinga ukuhoxisa zonke izindlela kusuka ku-akhawunti noma ukuhumushe.
2. Ngemuva kwalokho, uhlelo lokusebenza lubhalwe egameni lomthengisi, okukhombisa inhloso yalo kanye nokukhonjiswa kwalo idatha ye-akhawunti lapho kuzokhonjiswa khona izimpahla.
3. Kusele ukulinda impendulo. Imvamisa ishiya izinsuku ezintathu ngaphambi kwenyanga.
4. Lapho umthengisi ethola isitatimende, ubheka iqiniso lokuthi iqiniso lokuthola intela. Endabeni yokusebenzisa le nzuzo, ukuncishiswa kwawo kwenzeka.
5. Inani lokugcina lihunyushelwa kwi-akhawunti echazwe esitatimendeni. Ngokuhlinzwa okunjalo, ubukhona bomuntu uqobo buvame ukudinga.