Ungayithola kanjani imalimboleko yabathengi i-VTB 24

I-VTB24 Bank ifana neSberbank yaseRussia ngokuheha kwemigomo yokuhlinzeka ngemikhiqizo yezikweletu - amanani entengo aphansi, ukungabi khona kwesibambiso, ikhono lokuthola imali enkulu, indlela eguquguqukayo kumakhasimende akhona asebhange.

Izimalimboleko zabantu ngabanye zivezwa ku-VTB24 ngezindlela eziningi:

• Izimalimboleko zemfundo ezihlosiwe.
• Imali mboleko yemali nganoma yisiphi isidingo.
• Izimalimboleko zezibopho zokwenza kabusha imali.
• Imalimboleko kubaninimabhizinisi ngenhloso yomuntu siqu.

Amagama abolekisayo

Uhlelo ngalunye lokubolekisa lunokucaciswa kwalo, futhi ibhange linikela ngezimo ezikhethekile zosomabhizinisi, ababambiqhaza kumaphrojekthi weholo le-VTB24 noma abasebenzi benkampani yabalingani. Cabanga ngemikhiqizo emihlanu yemalimboleko ye-VTB24 efanelekile ngesikhathi kubhalwa lokhu - ekuqaleni kuka-2015.

1. I-VTB24 - Umkhiqizo weSkolkovo... Izimali zingasetshenziswa kwizimali zokufunda zezinhlelo ze-MBA ne-EMBA eSkolkovo Center Business School. Inani lemalimboleko lisuka kuma-ruble ayizinkulungwane ezingama-750 kuya kwezi-3.6 ezi-10-14% ngonyaka.
2. "Ukuxhaswa kabusha"... Kusho ukusetshenziswa okuhlosiwe. Ungathatha ukukhokha imali ebolekiwe ekhona kwamanye amabhange futhi unciphise usayizi wezinkokhelo zanyanga zonke ngenxa yokonga, njengoba uthole ama-ruble ayizinkulungwane ezingama-750 kusuka ku-VTB24 ngo-15% ngonyaka.
3. "Imali mboleko yemali"... Inani elingafika ezigidini ezingama-3, kuze kube yiminyaka engu-7.
4. "Uhlelo lwebhizinisi"... ama-ruble ngokheshi iminyaka engu-7 ngo-17% ngonyaka wamaholo namakhasimende ezinkampani e-VTB24 Bank. Amakhasimende akhona anepasipoti angathola ngokushesha ama-ruble afika ezigidini ezi-2 ngaphandle kwemininingwane eyengeziwe nokuvikeleka.
5. Isikweletu se "Kommersant" nephakeji linikeza "ukukhanya kweKommersant", "iKommersant Optima" ne- "Kommersant Aktiv"... Idizayinelwe ukuxazulula izingqinamba zezimali zabaninimabhizinisi abancane kanye nosomabhizinisi ngabanye. ama-ruble ngo-18.5-22.5% ngonyaka.

Izidingo zomboleki

Ukuze i-VTB 24 yamukelwe njengomboleki, kuyadingeka ukuhlangabezana nezidingo ezithile, ezibandakanya:

• Ukufaneleka kweminyaka... Kufakiwe kuye ngokuthi phansi. Abesilisa abaneminyaka engama-25 kuya kwengama-65 ubudala nabesifazane abaneminyaka engama-21-65 ubudala. Eminye imikhiqizo yesikweletu inokulinganiselwa kwayo - i-VTB24 - iSkolkovo ingakhishwa kuphela lapho ineminyaka engama-25 kuye kwengama-50.
• Ukubhaliswa esifundeni segatsha le-VTB24... Kungakuhle ukuthi ubhalise unomphela edolobheni lapho ufaka isicelo semalimboleko.
• Ukuqashwa ngokusemthethweni... Ubude bensizakalo bumele budlule unyaka ongu-1, endaweni yokugcina yokusebenza - okungenani izinyanga ezi-3. Imali engenayo efakazelwe edingekayo.

Ukuthatha imali mboleko yomthengi ku-VTB24, ungenza ngephasiphothi eyodwa. Amakhasimende asebhange kuphela azoba nenhlanhla. Abanye abangahle baboleke imali banohlu olubanzi kakhulu lwamadokhumenti. Ngaphezu kwepasipoti, uzodinga isiqinisekiso sokuqashwa okusemthethweni (ikhophi eqinisekisiwe yencwadi yomsebenzi), izinga lemali engenayo esemthethweni (isitifiketi semali engenayo ngendlela yebhange noma i-2-NDFL ezinyangeni ezi-3 ezedlule), i-ID yezempi (yamadoda angaphansi kweminyaka engama-27).

Ibhange lingahle lidinge eminye imibhalo, ngokwesibonelo, amadokhumende ngokwakhiwa komndeni, emfundweni yomboleki, endaweni ephethwe, njll.

Umlando omuhle wesikweletu nedumela elihle lomboleki kuzokhulisa amathuba okuvunywa kwesicelo ku-VTB24.

Inqubo yokubhaliswa kwemali mboleko ku-VTB 24

Lapho ucabange cishe ngamathuba okuthola imalimboleko yabathengi kusuka ku-VTB24 futhi ufunde zonke izidingo, kufanele ugcwalise isicelo. Ifomu lesicelo lifakwa ngqo kunoma yiliphi igatsha lasebhange noma nge-Intanethi kuwebhusayithi esemthethweni.

Isisebenzi se-VTB24 sizophendula isicelo ngokushayela umboleki ezinsukwini eziyi-1-2. Uma isinqumo sihle, kuyadingeka ukuthi uvakashele ibhange mathupha futhi ulethe imibhalo yokuqinisekisa imininingwane ekulo mbuzo. Emini, ibhange lizomemezela isinqumo sokugcina mayelana nemalimboleko.

Isikhulu semalimboleko senza isivumelwano semalimboleko, ngemuva kokusayina lapho umboleki ezothola inani eliceliwe uma esefeze yonke imibandela - isiqinisekiso, ukukhokhwa kwemali ekhokhwayo, umshwalense noma isibambiso.