Ungabuya kanjani umnikelo ophuthumayo ngaphambi kwesheduli? Zonke izinketho

Ungabuya kanjani imali engajwayelekile ngaphambi kwesheduli - enye yemibuzo yomsebenzisi ebuzwa njalo. Simbuze emabhange futhi yilokho abakutholayo.

Photo: MyFin.by.

Ukudluliswa kwesisindo kwama-deposits kusuka emabhange aseBelarusian kunciphise okuncane. Ngokwengxenye ngoba isabelo esifanelekile samadiphozithi amakhulu kunawo wonke futhi angenayo angenakuphikwa. Lokhu kusho - imali inikezwa ebhange isikhathi esinqunyelwe kusengaphambili futhi ukubuyiselwa kwabo kwangaphambili akunikezwa.

Kodwa-ke, isifiso sokubuyisela ngokushesha imali yaso sasingasilahli, kepha size sithuthukise isikhathi ngasinye lapho kugxuma kwenye indawo neminye iminotho emibi (nangezepolitiki).

Amathuba okubuyisa imali engenakuphikwa ngaphambi kwesikhathi. I-MyFin.By yaqoqa yonke imibandela yokubuya okunjalo. Sithumele izicelo emabhange eBelarus futhi silethe izimpendulo ezitholakele (lawo mabhange anikezela ngemininingwane).

Photo: MyFin.by.

Bps sberbank

Ukubuyiselwa kwemali okuqala kwediphozithi engenakuphikiswa kungenzeka kuphela uma kunesizathu esihle sohlelo lokusebenza lweklayenti. Nawe kufanele ube nemibhalo yepasipoti nemibhalo yokuqinisekisa.

Uhlu lwezizathu luyizizathu zokufunwa ekuqaleni kwamadiphozithi angenakuqhathaniswa:

• Ngokwemibhalo ephethe ngokuhambisana nomthetho.

Imibhalo ephethe ye-notary (noma amanye amadokhumenti aphezulu) izodingeka;

• Ukwakha, ukwakha kabusha, ukuthengwa kwezindlu kanye nezinye izindlu zangempela (ezakho noma izihlobo eziseduze).

Izinkontileka (izivumelwano zokuqala zokwakhiwa kwe-Equity Construction, Ukuthengiswa Kwezezindlu kanye nokuthengisa (Okunye Izakhiwo Ezithengiswayo), izibopho zezindlu, isitifiketi soMklami Wesifunda, Isitifiketi Sokubhaliswa Kombuso Wezakhiwo Zomhlaba, njll.

• Ukwelashwa (okwakho, noma izihlobo ezisondelene).

Kuzodingeka isitifiketi, okukhishwe emlandweni walesi sifo (omunye umqulu) wesikhungo sezokwelapha, amadokhumenti aqinisekisa ubudlelwano obuhlobene (izitifiketi zomshado, mayelana nokuzalwa (izixazululo)

• Ukusuka eBelarus kuya endaweni yokuhlala unomphela.

Isimemo sokusebenza neminye imibhalo yokuqinisekisa izodingeka.

• Ukufa kwe-Depositor.

Dinga amadokhumenti angeniswe yizindlalifa ngokuya ngomthetho, isitifiketi sokushona.

• Ukufa kwezihlobo eziseduze ze-Depositor.

Kudinga amadokhumenti aqinisekisa ubudlelwano obuhlobene.

• Ukuqedwa kwenkontileka yokuqashwa (inkontileka) nomuntu onikela ngezizathu ezinikezwe ezigabeni 1, 2 no-6 kwe-Article 42 yeKhodi Yezabasebenzi yeRepublic of Belarus (TC RB).

Kuzothatha incwadi yokusebenza.

• Isifo se-depositor noma isihlobo sakhe esiseduze, esidale ukukhubazeka ngaphezulu kwenyanga eyodwa.

Idokhumenti yokuqinisekisa ekhishwe yisikhungo (esemthethweni) sohlelo lokunakekelwa kwempilo luzodingeka.

• Izingozi (umlilo, ukuqhuma, izikhukhula, njll.); Izinhlekelele zemvelo (Isiphepho, uzamcolo, njll.); inhlekelele.

Kuzodingeka isitifiketi esivela kuZhes, umkhandlu wedolobhana, njll.

Uma kwenzeka ukubhaliswa kabusha kokuqala, iBhangengodla liphinda lisebenzise inzalo kwidiphozi ebheke ekunciphiseni.

Paritetbank.

Uma iklayenti lingenasizathu esihle sokuvala umnikelo, kufanele libhale isitatimende. Lolu hlelo lokusebenza luzocatshangelwa kungakapheli izinsuku eziyi-14 zokusebenza futhi ibhange lizonikeza impendulo /

Ukubuyiselwa kokuqala kungaba:

• Ukwelashwa kwe-depositor noma izihlobo zayo eziseduze (izibiliboco).

Ukuqinisekisa, uzodinga isitifiketi sesikhungo sezokwelapha ngesidingo sokwelashwa, kanye (noma) okukhishwe emlandweni walesi sifo, kanye (noma) inkontileka kanye (noma) invoice yokukhokha izinsizakalo zezokwelapha, ukutholwa kwemithi, imishini yezokwelapha, amadokhumenti aqinisekisa ubudlelwano (impahla).

• Ukuqeqeshwa ezikhungweni zemfundo ekhethekile ephezulu kakhulu nesesekokokonda lesibili le-Depositor noma izihlobo zalo eziseduze (izibiliboco).

Ukuqinisekiswa - inkontileka kanye (noma) invoice yokukhokha; Amadokhumenti aqinisekisa ubudlelwano (impahla).

• Kwabahlali beRiphabhulikhi yaseBelarus - Ukuhamba ngaphesheya kwemikhawulo yeBelarus ye-Depositor noma izihlobo zayo (izibiliboco).

Lapho esuka endlini yaphakade, isiqinisekiso yi-visa, isinqumo sokuhlinzekwa kwelungelo lokuhlala ngaphandle kweRiphabhulikhi yaseBelarus, eminye imibhalo eqinisekisa ukuhamba, amadokhumenti aqinisekisa ubudlelwano (impahla).

Lapho esuka endaweni yomsebenzi (endaweni yomsebenzi womshado (s)), ukuqinisekiswa - i-visa, inkontileka yokuqashwa (inkontileka), amakhophi amadokhumenti aqinisekisa ubudlelwano (impahla).

• Ukutholwa, ukwakhiwa kwezindlu, izindlu zasengadini ezenziwa ngumnikeli noma izihlobo zakhe eziseduze (ijele).

Ukuqinisekiswa - inkontileka yokuthengisa, ukwakhiwa kokulingana, ukuthengwa nokuthengiswa kwezibopho zezindlu. Amakhophi emibhalo eqinisekisa ubudlelwano, impahla.

• Ukufa komngane womshado (kanye) nalomsipha noma izihlobo zakhe eziseduze (izibiliboco).

Ukuqinisekiswa - Isitifiketi Sokufa; Amadokhumenti aqinisekisa ubudlelwano, impahla.

• Izimo ze-Force Majeure: ingozi, izinhlekelele zemvelo, umlilo, izikhukhula, izikhukhula, izindiza (auto) zenhlekelele, njll. Kwenzekani nalowo onikela ngemvunulo noma izihlobo zayo eziseduze (Ijele).

Ukuqinisekiswa kuyisivumelwano, isitifiketi sokuhlola, eminye imibhalo eqinisekisa ukuba khona kwamandla ngamandla majeure, amadokhumenti aqinisekisa ubudlelwano.

• Isidingo sokufeza izibopho kubabolekisi abavela ku-Depositor noma izihlobo zaso eziseduze (izibiliboco).

Ukuqinisekiswa kuyisinqumo senkantolo, umbhalo omkhulu, isidingo sokukhokha okuphoqelekile kwesikweletu sezikweletu.

• Ukulahleka kwemithombo yemali engenayo ku-depositor noma umkakhe (oshade naye).

Ukuqinisekiswa - Incwadi Yezabasebenzi.

• Iphutha lochwepheshe lapho kuvulwa idiphozithi.

Ukuqinisekiswa - imemorandamu yeyunithi yesakhiwo.

Konke kuxazululwa egatsheni lasebhange. Uma kwenzeka ukukhishwa kwangaphambi kwesikhathi, umnikelo uzophinda athole intshisekelo.

Photo: MyFin.by.

Ibhandebhi

IBhangengongelo lilungele ukubheka inketho yokubuya kwangaphambi komnikelo ongenakuphikiswa ngokuya ngezizathu ezilandelayo:

• Isifo se-Depositor, esidale ukukhubazeka kwaso ngaphezu kwenyanga eyodwa, kwavela ngemuva kwediphozithi.
• Lesi sifo sesihlobo esiseduze salomsindisi siholele ekukhubazekeni kwakhe okungaphezulu kwenyanga eyodwa, okwavela ngemuva kwediphozi.
• Ukufa komnikazi we-akhawunti.
• Ukufa kwesihlobo esiseduze, ngemuva kwediphozithi.
• Ukuqedwa kwenkontileka yokuqashwa (inkontileka) nomuntu obamba iqhaza ezigabeni 1, 2 no-6 kwe-Article 42 ye-TC RB ngemuva kwediphozi.
• Ukusungulwa kwe-akhawunti engikulandisela i-I noma i-II GROUP yokukhubazeka ngemuva kokuthi kukhishwe idiphozithi.

Ngaphansi kwezihlobo eziseduzane

Belgazprombank.

Ibhange livumelana nokubuya kokuqala komnikelo ongenakuphikwa ngaphansi kwezimo eziningi.

Isitatimende esibhaliwe se-Depositor siyadingeka, sibonisa izizathu zokubuyiselwa kwangaphambili komnikelo ophuthumayo.

Izidingo zoMnikeli Ekubuyiselweni Kwasekuqaleni kwediphozithi kungenxa yezizathu ezilandelayo (eziqinisekisiwe zezincwadi):

• Ukufa kwesihlobo esiseduze kwe-Depositor;
• isidingo esibhalwe phansi, ukunakekelwa okuphuthumayo kwezokwelapha okuthengiswayo ku-depositor noma izihlobo zakhe eziseduze;
• Ukulahlekelwa ukukhubazeka ukuze usebenze isikhathi esingaphezu kwezinyanga eziyisithupha;
• ukulimala ezakhiweni zokuhlala ze-depositor, akunakwenzeka ukuhlala kuyo;
• Ukuthola umqulu wokukhubazeka okuyisisekelo 1, 2, 3 amaqembu;
• Ukuqedwa kokuqashwa komgcinizimali nomqashi, okuqinisekisiwe okubhaliwe (ikhophi yerekhodi lokuqashwa).

Isikhathi sokungapheleli kwe-Depositor sisuka enyangeni eyi-1 nangaphezulu.

Ukuqedwa Kwasekuseni: Uma iklayenti liphela kabusha idiphozi ngaphambi kwesikhathi, yonke inzalo izophinda iphinde ibekwe ngaphansi kwezinga lenzalo elisebenza uma kwenzeka kuqedwa kusenesikhathi.

Photo: MyFin.by.

Ibhange Dabracyt

Ukuqedwa kokuqala kwediphozithi kungenzeka kuphela ngemvume yebhange ekusetshenzisweni kweklayenti.

Amadokhumenti aqinisekisa ubuqiniso bokuhlukaniswa kwangaphambili kwediphozithi kungaba:

• Isitifiketi sokufa noma ukugula kakhulu kwesihlobo esiseduze;
• Isivumelwano sokuthenga kwezezakhiwo (kodwa hhayi isivumelwano ngezinhloso);
• Amadokhumenti aqinisekisa amandla majeuure kanye nezimo ze-Force Majeure.

Ungabhala isitatimende kunoma yiliphi ihhovisi lasebhange noma ushiye ucingo lwe-elekthronikhi esizeni.

Inzalo iphinda ifakwe kabusha ngesilinganiso sokuqedwa kokuqala kwe-0.0001%.

I-Belarusbank

Impendulo yeBelarusbank yeza ngokushesha ngokwanele, kepha kwakumnandi kakhulu:

Ngokuhambisana nemigomo yenkontileka, umnikelo awunalungelo lokudinga ukubuyiselwa kwangaphambi komnikelo (izingxenye zomnikelo) kanye / noma ukuqedwa kwangaphambili kwenkontileka.

Ekuvaleni kokuqala kwediphozi, ibhange lenza ukuphindwa kabusha kwenzalo ngesicelo sokufuna sonke isikhathi sediphozithi:

• ngemali yakwamanye amazwe ka-0.1% ngonyaka;
• kokumhlophe Ama-ruble 0.5% ngonyaka.

Ngakho-ke, amandla okubuyisa umnikelo kusesekhona - lapho, kepha ngokubheka le nkinga kuzoba ngawodwana lapho iklayenti lisingatha.

I-PRODERBANK

Impendulo ka-PROORBank nayo ibifushane, kodwa, eqinisweni, icacile:

Lapho ufaka isicelo seklayenti ebhange ekuqaleni kokufuna umnikelo ongenakuphikwa, uhlelo lakhe lokusebenza lubhekwa njengowodwana.

Imithetho yokubuyisa kwasekuqaleni kweminikelo enjalo ilawulwa yiNational Bank futhi yenziwa ngamacala ahlukile ahlobene nempilo nempilo yeklayenti noma izihlobo zakhe.

Futhi yimaphi amanye amabhange?

Ngokuya ngokubuyekezwa kwamakhasimende kanye nabeluleki bakwamanye amabhange, isimo kubo sicishe sifane. Imvamisa bathi becela ukususa umnikelo ongenakuphikwa kungenye. Kwamabhange ahlukahlukene, izizathu zibizwa ngokuthi:

• isifo esibi sesifo noma abathandekayo baso uma kudingeka ukwelashwa okukhokhelwayo okukhokhelwayo;
• ukuthola umqulu wokukhubazeka kweqembu le-I-II;
• Ukufa kwe-Depositor, imvamisa - umlingani (owakwakheni) we-depositor;
• Ukulahleka komsebenzi akubangelwa iphutha le-Depositor kanye nesimo sokungasebenzi kahle;
• Isidingo esiphuthumayo semali ngenxa yenhlekelele yemvelo, umlilo nezinye izimo ezifanayo.

Njalo nikeza noma yimiphi iminikelo ngesinqumo senkantolo. Kodwa-ke, le mali ivame ukungahambisani nomhlinzeki, kepha ukubuyisa izibopho zayo.

Ukwakha, ukutholwa kwezindawo ezithengiswayo nokufunda kuyabona izizathu zokukhipha imali okungeyona yonke indawo.

Into esemqoka ukuthi ihlanganisa wonke amabhange - ukucatshangelwa komuntu ngamunye kwesicelo ngasinye sokubuyiselwa kwemali yokuqala. Cabanga ngokuvamile izinsuku eziyi-14-15. Isinqumo esihle asiqinisekisiwe noma kuphi.