Yini isikweletu sabathengi
Yini imali mboleko yomthengi? Izimalimboleko zabathengi yizimalimboleko zasebhange zabantu abahlinzekelwa noma yiziphi izinhloso zomuntu siqu - kusuka ekuthengeni izimpahla eziqinile kuya ekukhokheleni izinsizakalo zemfundo nezokwelapha, ukulungisa nokulungisa umsebenzi.
Imalimboleko yezimoto nemali ebolekwa emakhaya kuvame ukubizwa ngokuthi yimalimboleko yabathengi. Kungaba okulungile kakhudlwana ukusho ngokubolekisa kwabathengi kuphela ukuhlehliswa kokukhokhela izimpahla nezinsizakalo noma ukukhishwa kwemali ngaphandle kokucacisa inhloso ehlosiwe. Ibhange linikela ngemali kumthengisi wento edingekayo noma ngqo kulowo obolekayo, bese obolekayo akhokhe inzalo yokusebenzisa imali.
Izinhlobo zemalimboleko yabathengi
Imali mboleko ehlosiwe ikhishwa endaweni yenhlangano yezohwebo ezindaweni zokuthengisa izinsizakalo zezezimali zebhange elinguzakwethu. Umthengi unikela ngengxenye yezimali zakhe, kanti enye imali ihlanganiswa yibhange. Ngenxa yalokhu, ikhasimende alikweleta ukuthenga hhayi esitolo, kepha esikhungweni sezikweletu.
Izinhlelo zokubolekwa kwabathengi ezingabhekisiwe zibandakanya ukukhishwa kwemali etafuleni lemali yasebhange noma ngokudlulisela ngocingo ku-akhawunti yomboleki. Obolekayo angazisebenzisa ngokubona kwakhe. Izimalimboleko ezinjalo, kuya ngohlobo kanye nesibambiso esidingekayo, zehlukaniswe zaba yizibambiso futhi aziphephile, zivikelekile futhi aziphephile.
Ngokuya ngejubane lokucubungula isicelo nokuhlinzeka ngezimali, babela imali mboleko ejwayelekile yabathengi, ekhishwa ezinsukwini ezimbalwa, futhi baveze imalimboleko - imalimboleko ephuthumayo ekhishwa ngemizuzu noma amahora ambalwa.
Ngubani ongathatha imali mboleko yomthengi?
Izakhamizi zeRussian Federation ezihlangabezana nezidingo zababolekayo zingathembela kwizimalimboleko zabathengi emabhange aseRussia.
Indlela ebalulekile yokukhetha iminyaka yeklayenti. Imalimboleko ikhishwa isukela eminyakeni engama-21, kepha amanye amabhange akulungele ukusebenza nezigaba ezincane zababoleki futhi akhiphe izimali kusukela eminyakeni eyi-18. Imalimboleko yokukhokhela imfundo ingatholwa eneminyaka engu-14, uma izihlobo zabantu abadala ezinemali engenayo ezinzile nomsebenzi oqashwe ngokusemthethweni zibhaliswa njengababolekisi abambisene nabo.
Umkhawulo omkhulu, ngaphambi kokufinyelela lapho umboleki kufanele akhokhe ngokuphelele isikweletu ebhange, ukhawulwa yiminyaka yobudala yomhlalaphansi yobudala - iminyaka engama-55 kwabesifazane kanye nama-60 kwabesilisa.
Akuwona wonke amabhange ahlukaniswe ngokwezigaba futhi akulungele ukunikeza abahola impesheni ithuba lokusebenzisa izimali ezibolekiwe baze bafinyelele eminyakeni engama-65-70, kungakhathalekile ubulili. Amanye amabhange akhipha imali mboleko efinyelela eminyakeni engama-75-80 ngesibambiso esingeziwe ngesimo sempilo yamakhasimende nomshuwalense wezempilo.
Izidingo zokubhaliswa nendawo yangempela yokuhlala kwalowo obolekayo angahluka nazo. Amanye amabhange aqonde ngqo ekukhethweni kwamakhasimende futhi akhiphe imali mboleko kuphela ngokubhaliswa unomphela endaweni yokufaka isicelo semalimboleko. Abanye bathembeke ngokwengeziwe futhi bamukela izicelo noma ngabe babhaliswa okwesikhashana kunoma yisiphi isifunda sezwe. Isikhathi sokubhaliswa okwesikhashana akufanele sidlule isikhathi sokuboleka.
Lapho kulinganiswa obolekayo, i-solvency ibaluleke kakhulu.
Kubalulekile ukuthi imali engenayo esemthethweni yanele ukumboza izibopho zesikweletu ebhange, kucatshangelwa inzalo enqwabelene namakhomishini okusiza imalimboleko.
Ukuqashwa ngokusemthethweni nolwazi lomsebenzi okungenani izinyanga eziyi-6-12 kuyadingeka. Ngaphandle kwalokho, ibhange lizokwenqaba.
Ungathola imalimboleko yabathengi ngaphansi kwaziphi izimo?
Inani lemalimboleko lincike ezingeni lemali engenayo, isibambiso nedumela lalowo obolekayo. Lapho kuthengiswa ingcebo, inani lingafinyelela kuma-ruble ayizigidi eziyi-10, ngokuqiniseka - ama-ruble ayizigidi ezi-3, ngaphandle kwesibambiso kuzothathwa ama-ruble angaphezu kwama-300-900 ayizinkulungwane. Kukhona okuhlukile, i-Sberbank efanayo yaseRussia ikhipha ama-ruble afika kwizigidi eziyi-1.5 kumakhasimende akhona iminyaka emihlanu ngaphandle kwezitifiketi neziqinisekiso ezingeziwe.
Isikhathi esimbolekayo sezinhlelo zokubolekwa kwabathengi sisukela enyangeni engu-1 kuye eminyakeni engu-7. Imalimboleko engavikelekile ngeke ikhishwe isikhathi esingeqile eminyakeni engu-1-3, ngesiqinisekiso - seminyaka emi-3-5, nesibambiso sempahla egudlukayo nengagudluki - kuze kube yiminyaka eyi-7.
Amanani emalimboleko yabathengi ayahluka phakathi kuka-15-50% ngonyaka, kuya ngezimo zebhange elithile kanye nesimo somboleki othile.
Imiphi imibhalo ezodingeka
Kwesinye isikhathi ipasipoti yanele ukuphothula isivumelwano semalimboleko, yile ndlela okunikezwa ngayo imalimboleko ebonakalayo. Imvamisa, kuzodingeka eminye imibhalo ukuqinisekisa ubunikazi bomfakisicelo - ilayisense yokushayela, ipasipoti yangaphandle, isitifiketi sempesheni, isitifiketi sokunikezwa kwe-TIN, njll. Ngeke kusebenze ukuthola imali mboleko yomthengi engaphezu kwama-ruble ayizinkulungwane ezingama-300 ngaphandle kwesitifiketi semali engenayo nekhophi yencwadi yomsebenzi. Ngemalimboleko evikelekile, kudingeka imibhalo yesiqinisekiso noma imibhalo yetayitela yesibambiso.