Umshuwalense wamadiphozithi emabhange - amathiphu wokufaka imali kumuntu ngamunye + uhlu lwamabhange we-TOP-5 afakwe ohlelweni lomshwalense oyimpoqo oyimpoqo

Ntambama, bafundi abathandekayo be-Ideas for Life umagazini wezezimali! Le nkinga izogxila kumshuwalense wediphozi, ukuthi lusebenza kanjani uhlelo lomshuwalense wediphozithi wabantu, siyimalini isinxephezelo samadiphozithi emabhange aseRussia kulo nyaka.

Ngendlela, ubonile ukuthi idola selivele libiza malini? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Ngemuva kokufunda i-athikili, uzothola:

• Uyini umshwalense wediphozithi futhi lolu hlelo lusebenza kanjani;
• Yini i-Deposit Insurance Agency futhi yenza miphi imisebenzi;
• Malini isamba esivunyelwe sokufakwa emabhange aseRussia namuhla;
• Zithini izincomo ezinikezwa ngochwepheshe emshuwalense wediphozithi ngazinye.

Kulolu shicilelo uzothola futhi uhlu 5 amabhange athandwayoukubamba iqhaza ohlelweni lomshuwalense wediphozi (CER), kanye imfundo, ezokusiza ukuthi uzitholele imali yakho uma kwenzeka kuba nomshuwalense.

Ngokwesiko, ekugcineni kwendatshana, siphendula imibuzo ethandwa kakhulu evela kubanikeli ngesihloko sokushicilelwa.

Siluleka wonke umuntu ohlela ukuvula idiphozi ebhange ukuthi afunde udaba olwethulwe. Ngeke kube ngaphezu kokuzijwayeza yona nalabo abafunda ezezimali.

Uyini umshwalense wediphozi oyimpoqo, lusebenza kanjani uhlelo lomshuwalense wediphozithi lwabantu, yiluphi uhlu lwamabhange afakwe kwi-DIS, kanye nenani lesinxephezelo somshuwalense ngamadiphozithi emabhange aseRussia - funda le ndatshana

1. Uyini umshwalense wediphozithi yasebhange - umbono wokubuka konke concept

ERussia, kanye nasemazweni angomakhelwane, kufakwa emabhange okuyindlela ethandwa kakhulu yokutshala imali ukuze igcinwe.

Ungakhohlwaleyo mali isiza ukuvikela izimali emathonyeni amabi ukwehla kwamandla emali, futhi kusuka kumasela futhi Izinhlekelele zemvelo... Ngaphezu kwalokho, kwezinye izimo, amadiphozithi aletha, noma amancane, kepha namanje imali engenayo.

Ngenxa yokuthuthukiswa kobuchwepheshe besimanje, ukuphathwa kwezimali kube lula kakhulu futhi kwaba lula kakhulu. Namuhla, awudingi ukushiya ikhaya lakho ukuphatha imali oyongile. Yonke imisebenzi yenziwa ngeKhabhinethi kuwebhusayithi yebhange (kumodi online).

Ukuze uthole impesheni noma umholo, akusadingeki ume kulayini emnyangweni wezokubala imali naseposini. Imali ifakwa kuma-akhawunti akho. Ngasikhathi sinye, ukusebenza kahle kwezimali kuzokhula kakhulu uma umholo noma ikhadi lempesheni.

Kodwa-ke, kumongo wenhlekelele yezomnotho, ukuthembela komphakathi emabhange kuvame ukuwa. Ukuwukhulisa nokukhuthaza izakhamizi ukuthi zenze izinkontileka ezintsha futhi zitshale imali, umbuso usungule futhi wasungula uhlelo olwenzelwe ukuqinisekisa ukuvikelwa kwezimali ezitshalwa yizakhamizi.

Umsebenzi omkhulu wohlelo lomshuwalense wokufaka imali (i-CER) ukuqinisekisa ukuthi izakhamizi zithola imali uma kwenzeka kuba nomshwalense. Ngamanye amagama, uma ilayisense yesikhungo sezezimali yokwenza ibhizinisi ihoxiswa nganoma yisiphi isizathu, abafaka imali bazokwazi ukuthola imali efakwe kuma-akhawunti asebhange.

Ezweni lethu, umthetho womshuwalense wokutshala imali uvikela wonke amadiphozi ngabanye... Ngokuya kokushaywa komthetho, isikhungo sezikweletu sinelungelo lokuphothula izivumelwano zokufaka imali nezakhamizi kuphela kuncike ekubambeni iqhaza ohlelweni lomshuwalense wediphozi.

Ukusebenza kohlelo lokuvikela idiphozi kuvumela abantu ukuthi bathole ukuzethemba ukuthi noma ngabe isimo sinjani, bazobuyiselwa imali yabo. Ngalokhu, abafaka imali ngeke kudingeke ukuthi benze izivumelwano ezingeziwe. Umshwalense wamadiphozithi obhaliswe nenkampani ebamba iqhaza kulolu hlelo uyenzeka ngokuzenzakalela lapho wenza isivumelwano.

Abatshalizimali kufanele bazi ngokuhluka okubaluleke kakhulu kohlelo - inani elikhulu lesinxephezelolapho kwenzeka umcimbi onomshwalense kusuka 2015 konyaka kuyinto Ama-ruble ayi-1 400 000... Phambilini, ubukhulu bediphozi yomshwalense babungaphansi ngokuphindwe kabili - 700 000 ama-ruble.

Kubalulekile ukwazi, ukuthi inani eliphakeme kakhulu lomshwalense lisho inani eliphelele lediphozithi elivulelwe esikhungweni esithile sesikweletu eyodwa isakhamuzi.

Okwamanje ku uhlelo lomshuwalense wediphozi (noma esifushanisiwe CEREnsimini yeRussian Federation wajoyina cishe 900 izinkampani zezimali... Kodwa-ke, ngaphambi kokuvula idiphozi esikhungweni sezikweletu, lowo ofaka imali angazi lutho kangako, kungcono uqiniseke ukuthi ubamba iqhaza kuma-CERs.

Kunesici esisodwa futhi sohlelo lomshuwalense - ngokuya ngomthetho wamanje, akuwona wonke ama-akhawunti avuliwe avikelwe.

Abatshalizimali kufanele bazi ukuthi izinhlobo ezilandelayo zokutshalwa kwezimali AZIKHO umshuwalense:

• imali yediphozi eyeqile 1,4 ama-ruble ayizigidi;
• imali eyenziwe ngemali ye-elekthronikhi;
• ama-akhawunti avulwe kuzinsimbi okungezona ezomuntu;
• imali engathwalwa ngabathwali begama;
• imali eyenziwe emagatsheni ezikhungo zezikweletu zangaphandle;
• izimali ezidluliselwe ethembeni.

Kodwa-ke, iqiniso lokuthi imikhakha yama-akhawunti eqanjwe ngamagama ayifakiwe kumshwalense oyimpoqo akusho ukuthi leyo mali ayinakubuyiselwa. Eqinisweni, konke kuncike ekutheni impahla yesikhungo esikweletwayo esibhange izothengiswa ngempumelelo kangakanani.

Inhlangano yombuso eyakhiwe ngokukhethekile ibandakanyeka ekusetshenzisweni nasekukhokhelweni okulandelayo kwesinxephezelo kwababeka imali. Ibizwa ngegama I-Ejensi Yomshwalense Wediphozithi.

Lapho ukhokha isinxephezelo, into ethile eza kuqala iyenziwa:

1. okokuqala kubuyiselwa imali ngabanye;
2. okwesibili, izimali zikhokhwa osomabhizinisi ngabanye;
3. esigabeni esilandelayo, kwenziwa izinkokhelo ngamadiphozithi angaphezu kwemali oyivikele – 1,4 ama-ruble ayizigidi;
4. kuphela ekugcineni, uma imali isasele ekuthengisweni kwempahla, kuzokhokhwa izinhlangano ezisemthethweni, abaphathi bama-akhawunti ensimbi kanye nolunye utshalomali olungaphansi komshuwalense.

2. Isebenza kanjani uhlelo lomshuwalense wokufakwa kwabantu ngabanye - imisebenzi esemqoka kanye nendlela yokusebenza kwama-CERs 📋

Uhlelo lomshwalense wediphozi lisebenza njengendlela ekhethekile eyenziwe ngumbuso ukuvikela imali eyenziwe yizakhamizi emabhange aseRussia. Kuthulwe uhlelo lomshwalense ngo-2004... Isizathu esiyinhloko sokuthuthuka nokuqaliswa kwayo kwakuyisidingo sokulawula imisebenzi yamabhange.

Ekuqaleni 2000- inani elikhulu lezikhungo zokuthenga ngesikweletu labhujiswa, le nqubo yasabalala. Ngasikhathi sinye, ukungathembani kwabantu emabhange kwanda, futhi ekugcineni inani lamadiphozithi avuliwe lehla.

Umbuso unesidingo sokuvikela izimpahla zezakhamizi ukuze wenyuse inzalo yawo kumabhangi. Konke lokhu kwaholela esidingweni sokuhlela uhlelo lomshwalense wediphozi oyimpoqo... Ngamafuphi, lolu hlelo luvame ukubizwa CER - Uhlelo lomshwalense wediphozi.

Amabhange abe yingxenye yohlelo lomshuwalense avunyelwe ukungena ezivumelwaneni zokufaka imali nezakhamizi. Ngasikhathi sinye, kudingeka ukuthi badlulisele ingxenye yemali yabo engenayo kokudalwe ngokukhethekile Isikhwama somshwalense esiphoqelekile.

Kusukela yasungulwa, uhlelo lomshuwalense selukhombisile imiphumela emibi impela:

• kukhonjwe okuningi 100 imicimbi yomshwalense;
• inani lezinkokhelo ezenziwe ngaphezu kwama-ruble ayizigidi eziyizinkulungwane ezingama-80;
• kusetshenziselwe okuningi ukunxeshezelwa 400 000 izakhamizi.

Eqinisweni, uhlelo lomshuwalense wediphozi aluhlukile. Izinhlelo ezifanayo zikhona emazweni amaningi aphucukile.

Izinhloso eziyinhloko zohlelo lomshuwalense yilezi:

1. ukuqinisekisa ukuzinza komkhakha wamabhange;
2. ukuvimbela ukwesaba phakathi kwezakhamizi ngesikhathi sokuwa kwesikhungo sesikweletu;
3. kukhuphula izinga lokuzethemba kwabantu ohlelweni lwezezimali lwezwe.

Umgomo wohlelo lomshuwalense ulula impela:

1. ofaka imali ubeka idiphozi ebhange ngokuya ngemigomo ebekiwe;
2. kusayinwe isivumelwano sediphozi, azikho ezinye izivumelwano ezidingekayo ukuphetha ngomshwalense, ibhange kanye ne-DIA (i-ejensi yomshwalense wediphozi) ukuxazulula le nkinga ngokuzimela;
3. njalo ngekota, isikhungo sezikweletu sidlulisela esikhwameni esikhethekile 0,1% wenani lawo wonke amadiphozithi akhishiwe.

Kuvela ukuthi lapho kufakwa imali kumshwalense, abafaka imali akudingeki ukuthi bakhokhele ama-premium omshuwalense, amabhange ngokwabo ayenzela bona. Uma kwenzeka umshwalense kwenzeka, inqubo iyaxhunywa ASV... Izibopho zale nhlangano zibandakanya ukubuyiselwa kwemali ebibanjelwe abafaka imali ngokugcwele.

Isimiso sohlelo lomshuwalense oyimpoqo wamadiphozithi wabantu emabhange eRussia Federation

Imicimbi yomshwalense ifaka nezimo lapho ibhange elikhulu ukuhoxisa noma ukususa ilayisense isikhungo sezikweletu. Imvamisa lokhu kwenzeka ezimweni lapho inkampani yesikweletu yehluleka ukufeza izibopho zayo kumakhasimende abeke imali lapha, ngenxa yezinkinga zomnotho ezinde noma ukuqothuka kokugcina.

3. IDepho Insurance Agency (DIA) - iyini futhi yenzani? 📑

I-Deposit Insurance Agency (efushaniswe njenge-DIA) yinhlangano kahulumeni ebhekele ukugcina uzinzo lohlelo lwezezimali ngaphakathi kuhulumeni. Isikhwama se-DIA sakhiwa ngezimali ezidluliswa ngezikhathi ezithile yizikhungo zezikweletu.

IDepho Insurance Agency (DIA) yinhlangano yombuso yaseRussia eyadalelwa ukuhlinzeka ngohlelo lwomshuwalense wediphozithi (DIS) ngo-2004

Isikhungo sinelungelo lokulahla imali ebanjiwe etholwe emabhange ngale ndlela elandelayo:

• buthelela;
• khokha abafaka imali njengesiinxephezelo uma kwenzeka umshwalense;
• tshala imali ukuze ukhiqize imali engenayo.

Ukutshala imali kukuvumela ukuthi udale gcina, okungadingeka ezimweni lapho inani lezicelo zabafaka imali landa kakhulu.

Omunye umsebenzi we-ASV ngu inhlangano yokuthengiswa kwempahla yasebhange uma kwenzeka yena ukuqedwa noma ukuvuma izono ukuqothuka... Izimali ezitholwe ngenkathi kwenziwa lezi zenzo zizosetshenziselwa ukwanelisa izimangalo zezakhamizi nezinhlangano ezingabakweletisi bebhange eliwile.

Umsebenzi we-DIA awugcini nje ngokuvikela izintshisekelo zabantu abafaka imali, kepha futhi ukwakhiwa kwezimo zomsebenzi webhange ophumelelayo... Izenzo ze-Agency zilawulwa yiRussia Uhulumenikanye nabamele ICentral Bank.

4. Uhlu lwamabhange angu-TOP-5 afakwe ohlelweni lomshuwalense wokufaka imali kulo nyaka 📊

Inani elikhulu lamabhange aseRussia selijoyine uhlelo lomshuwalense wediphozithi. Yize iqiniso lokuthi amadiphozithi avikelwe nguhulumeni, isimo lapho kwenzeka umcimbi onomshwalense sihlale singathandeki kubabeki bezimali.

Ngezansi uhlu TOP 5 amabhangeokuyingxenye yohlelo lomshuwalense wediphozi, lapho, ngokusho kochwepheshe abaningi, izimali zingaphansi kokuvikelwa okuthembeke kakhulu kanye namanani wenzalo ekhangayo kumadiphozithi.

1) I-Alfa-Bank

I-Alfa-Bank ifakwa ngokuqinile ngongoti ku-TOP yezikhungo zezikweletu zaseRussia. Le nkampani imelwe kabanzi ezweni - inamagatsha angamakhulu, izinkulungwane zama-ATM, kanye nezinsizakalo eziningana.

Phakathi kwe- ngabanye Imali e-Alfa-Bank iphakathi kokuthandwa kakhulu. Ibhange linikela ngamadiphozithi anenzuzo ngofeleba, ukugcwaliswa kabusha nokwandiswa. Sibhale ngalokho okwenziwe ngofeleba wediphozi esihlokweni esedlule.

I-Alfa-Bank ibe yilungu lolu hlelo selokhu kwasungulwa i-CER. Njengenye yezikhungo zezezimali ezihamba phambili, le nkampani ithole imiklomelo eminingi kanye nemiklomelo yamazwe omhlaba. I-ejensi yokulinganisa ezimele "Ingcweti" ibhange labelwa isilinganiso esiphezulu - A ++.

2) IGazprombank

IGazprombank ingesinye sezikhungo ezinkulu kakhulu zokuthenga ngesikweletu eRussia. Usebenza ngaphansi kwesiqubulo esithi: Ezingeni likazwelonke - ngokuthanda wonke umuntu... IGazprombank ingelinye lamabhange amathathu anethonya elikhulu eRussia.

Lesi sikhungo sezikweletu sisebenzela izinkampani ezinkulu eRussia, futhi sinamagatsha emazweni amaningi angaphandle (isib, e-Armenia, Kazakhstan, Belarus, Switzerland). Ngenxa yenethiwekhi ebanzi, iGazprombank iyasebenza namuhla Okuningi 4 000 000 abafaka imali.

3) I-VTB Bank yaseMoscow

Ukubanjwa kuhlanganisa inani elikhulu lezinhlangano zezezimali (ngalesi sikhathi sekuvele kukhona Okuningi 20). IVTB Group of Companies iyasebenza ezimakethe zaseRussia nezamazwe omhlaba. Inokwethenjelwa okuphezulu nokuzethemba kwamakhasimende okufanelekile.

Inkampani eyethulwe ephethe amabhange inikeza izinsiza ezahlukahlukene kubo bobabili nakubantu bezomthetho. Lokhu kufaka phakathi:

• ukonga izimali;
• ukubolekisa;
• umshuwalense.

Omunye wabaninimasheya walesi sikhungo sezikweletu nguhulumeni waseRussia.

4) Ibhange le-B & N

IB & N Bank yasungulwa ngonyaka we-1996, namuhla ivuliwe Okuningi 500 amagatsha nxazonke eRussia.

Isikhungo esizimele sesikweletu futhi sizibeka njengenye yamabhange aseRussia athembeke kakhulu. Lesi sikhundla siqinisekiswa yizilinganiso ezinikezwe isikhungo sezikweletu. IsiRashiya, futhi ama-ejensi wokulinganisa wamazwe omhlaba.

IB & N Bank ihlala izama ukuhlanganisa isipiliyoni, kufaka phakathi izinhlangano zamazwe omhlaba ezikweletwa, nezinto ezikhethekile ezimakethe zezimali zaseRussia. Ukubamba iqhaza kuma-CER kuqinisekisa ukuthi yonke idiphozi eyenziwe nebhange elibhekiwe izovikeleka.

5) I-DeltaCredit

Ukwenziwa okuyinhloko kwaleli bhange ngu ukubolekwa kwesikweletu sempahla... Indlela yomuntu ngamunye yeklayenti ngalinye, kanye nesivinini esikhulu sokuxazulula noma iyiphi inkinga, kuholele ekuthandeni okukhulu kwebhange phakathi kwabantu.

Impela yonke imisebenzi ngabanyeokwenziwa eDeltaCredit banomshwalense.

5. Siyini inani eliphakeme lesinxephezelo somshuwalense wamadiphozithi ngo-2020? 💸

Ku-2020, imigomo eyisisekelo yomshwalense wediphozi oyimpoqo ngeke ishintshe. Uhlelo luzoqhubeka ngendlela efanayo naphambilini. Okwamanje, abafaka imali bakhathazekile ngenani lomshwalense kumadiphozithi asebhange. Lokhu kuchazwa kalula: muva nje, izinhlangano eziningi zezikweletu ziye zancishwa amalayisense abo.

Umthetho wamanje ubeka ukuthi uma kwenzeka ibhange likhipha ilayisense yemisebenzi yezezimali, umshwalense ukhokhela abafake imali imali ebekwe kumadiphozithi ngokugcwele. Kepha kukhona i-caveat eyodwa - esiphezuluongakuthola kumshwalense Ama-ruble ayi-1 400 000.

Uma ofaka imali efaka inani elikhudlwana lemali ebhange elibhidlikile, uzokhokhelwa leyo mali enomshwalense bese efakwa ulayini... Lapho impahla ithengiswa futhi kukhokhwa izikweletu kulayini wokuqala wababolekisi, uma imali isala, izokhiqizwa ukukhokhisa ngaphezulu... Ngakho-ke, kungakuhle ukuthi ugcine ngaphakathi kwebhange elilodwa angiphinde 1,4 ama-ruble ayisigidi.

Kwenzeka ukuthi umuntu obeke imali abe nama-akhawunti ambalwa avulwe ebhange elilodwa. Uma ilayisense ichithwa, kuzobalwa inani eliphelele lezimali abazabelwe. Uma umphumela wedlula inani eliphezulu lesinxephezelo, ofaka imali uzokhokhelwa ama-ruble ayizigidi eziyi-1.4 kuphela, ngenkathi inani eliphelele lesinxephezelo lisatshalaliswa kuwo wonke ama-akhawunti ngokulingana nosayizi wawo.

Impela zonke izinkokhelo zenziwa ngama-ruble, noma ezimweni lapho ama-akhawunti avulwe ngenye imali. Kusukela ngomzuzu wokuvela komcimbi oqinisekisiwe kuze kube yilapho kutholwa imali yisakhamuzi, ungadlula mayelana 3-6 izinyanga.

Ngaphandle kokuthi isikimu esikhulu nenani lokukhokha ngo-2020 lihleli lilingana, izinguquko eziningana zingahlukaniswa ngokuqhathaniswa nonyaka odlule.

Uhlelo lomshuwalense wediphozi ka-2020 lunezici ezilandelayo:

1. Lapho uvula idiphozi ngemali yakwamanye amazwe, kunikezwa isinxephezelo kuma-ruble. Kulesi simo, izibalo zenziwa kusetshenziswa isilinganiso seBhange Elikhulu, esisebenza ngosuku lokubhala isicelo sokukhokha;
2. Manje hhayi izakhamizi kuphela, kepha nezinhlangano zingathola isinxephezelo;
3. Kokubili inani eliyinhloko lediphozi nenzalo enqwabelene kungaphansi kwesinxephezelo.
4. Lapho ufaka ngaphezu kwama-ruble ayizigidi eziyi-1,4 ofaka imali unelungelo lokubuyiselwa imali yayo yonke idiphozi. Okokuqala, uzokhokhelwa inani eliqinisekiswe uhlelo lomshuwalense wediphozi. Ngemuva kwalokho, ngokubekwa eqhulwini, umnikazi we-akhawunti uzokwazi ukufuna ingxenye yezimali ezitholwe ngenkathi kuthengiswa impahla yebhange elibhange.

Ngemuva kokuchithwa kwelayisense ngesikhathi 2 amasonto oqokiwe abaphathi bamabhange besikhashana... Ngaphezu kwalokho, isikhungo sezezikweletu kufanele siqokwe ukuthi sisebenze njenge-ejenti umsebenzi waso omkhulu ukukhokha imali ebuyiswayo. Imininingwane mayelana nokuthi yiliphi ibhange elizokhipha imali ingatholakala emahhovisi futhi esizeni inkampani yezezimali eqothukile, futhi kusisetshenziswa se-DIA.

Kunezimo lapho abafaka imali kanyekanye bekweleta ibhange (isib, ngithole imalimboleko lapho). Kulokhu, inani lesinxephezelo lizokwehliswa ngenani lesikweletu.

Kuzuzisa kangakanani ukufaka idiphozi ebhange - izeluleko nezincomo zabantu ngabanye. futhi zomthetho. abantu

6. Amathiphu awusizo emshuwalense wokufaka imali wabantu nezinhlangano zomthetho

Umshuwalense wediphozithi ezikhungweni zezikweletu inqubo ephoqelekile. Noma kunjalo, abaningi abafaka imali banenqwaba yemibuzo maqondana nokuthembeka kokuvikelwa kwemali yabo.

KonjeNgaphandle kokuthi ama-CER abekhona isikhathi eside, ezinye izakhamizi namanje azazi ukuthi izimali abazitshalile zivikelwe umbuso futhi zizobuyiselwa kubo uma ibhange linezinkinga.

Yingakho iseluleko sochwepheshe mayelana nokuthi ungaqinisekisa kanjani ukuphepha kwemali yakho kuhlala kufanelekile.

Ithiphu 1. Bheka ukuthi isikhungo sekhredithi sibamba iqhaza kuma-CERs

Ngaphambi kokuvula idiphozi ebhange angalazi, ofaka imali kufanele aqinisekise ukuthi uyilungu lohlelo lomshuwalense. Akunzima ukwenza lokhu - kwanele ukuvakashela isisetshenziswa esisemthethweni se-Inthanethi se-Agency bese uthola khona inhlangano yezikweletu lapho.

Akufanele uthembe imali yakho kulawo mabhange angatholakali irejista yabahlanganyeli be-CER noma bakhishwe kuwo ngenxa yezizathu ezithile.

Ithiphu 2. Qiniseka ukuthi idiphozi ingeyesigaba esiwela ngaphansi kokuvikelwa

Umthetho uchaza izigaba eziningi zama-akhawunti asebhange lokho HHAYI ifakiwe ohlwini lwabanomshwalense. Abatshalizimali kufanele baqiniseke ukuthi bazijwayeza ngayo.

Kubalulekile futhi ukunaka ukuthi umbuso uvikela hhayi kuphela imali etshalwe ekuqaleni, kodwa futhi nenzalo eqongelelwe. Ngakho-ke, lapho uvula idiphozi ebhange elingabazisayo, kufanelekile ukubala usayizi wabo ophelele. Ngokufanelekile, inani elitholiwe akufanele leqe 1,4 ama-ruble ayisigidi.

Ithiphu 3. Kubalulekile ukuhlola ngokucophelela yonke idatha yakho

Ngaphambi kokusayina isivumelwano sediphozi, ofaka imali kufanele ahlole ngokucophelela yonke imininingwane yakhe. Lokhu kumayelana nokubhala isibongo, igama futhi igama, idatha yepasipoti, ikheli lokubhalisa.

Ngaphezu kwalokho, nganoma yiluphi ushintsho kulolu lwazi kubalulekile masinyane bika leli qiniso esikhungweni sezikweletu. Uma ungakwenzi lokhu, ungahle uzwe Izinkinga.

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Ngakho-ke, uma ofaka imali ebuka zonke izincomo zochwepheshe, kuzoba lula kakhulu ukuthola isinxephezelo uma kwenzeka umcimbi onomshwalense.

7. Uyibuyisa kanjani idiphozi ebhange elaphucwa ilayisense - isiyalo esisebenzayo ngezinyathelo ezi-4 📝

Uma isikhungo sezikweletu sinezinkinga, abafaka imali banelungelo lokufaka isicelo isinxephezelo somshuwalense... Ukuze ukubuyiselwa kwemali kusheshe futhi kungabi buhlungu, kubalulekile ukwazi ukuthi yiziphi izinyathelo okufanele uzenze nokuthi zilandelana kanjani.

Isinyathelo 1. Ukuqoqa imininingwane edingekayo

Ngemuva kosuku iCentral Bank ithathe isinqumo sokususa ilayisense esikhungweni sezikweletu, imininingwane ngalokhu izothunyelwa kuwebhusayithi Ama-ejensi omshwalense wediphozithi... Idatha efanayo ingatholakala ngokuvakashela insiza ye-Intanethi Ibhange laseRussia.

Ikhasi eliyinhloko lewebhusayithi esemthethweni ye-Deposit Insurance Agency (www.asv.org.ru)

Futhi kusayithi kuzoba nemininingwane yokuthi yisiphi isikhungo sekhredithi esizoqokwa njenge-ejenti yokukhokha. Ukuzikhethela i-ejenti yasebhangekukhiqiziwe ngesikhathi 3 izinsuku kusukela ngesikhathi ilayisense yahoxiswa.

Kuyafaneleka ukucatshangelwa ukuthi kwesinye isikhathi i-Deposit Insurance Agency ikhokha isinxephezelo wedwangaphandle kokubandakanya ama-ejenti.

Noma kunjalo 7 izinsuku inikezwa i-Agency ukwazisa abafaka imali mayelana nesikhathi nendawo yokukhokha.

Ngaphezu kwalokho, ngalesi sikhathi, kwenziwa uhlu lwezakhamizi ezinelungelo lokukhokhelwa umshwalense. Uthunyelwa incwadi ehambelana nalowo nalowo kubo.

Isinyathelo 2. Faka isicelo sesinxephezelo

Umthetho uchaza isikhathi lapho umfakisimali enelungelo lokufaka isicelo sesinxephezelo - kusukela mzuzu ukwenzeka kwesimo somshuwalense ngaphambi ukuvalwa kokugcina kwesikhungo esikweletisa... Isikhathi esinqunyelwe kulawo macala ngu iminyaka engu-2.

Kodwa-ke, uma umnikeli engakwazi ukufaka isicelo sesinxephezelo ngalesi sikhathi ngesizathu esizwakalayo, i-Ejensi izokwamukela iphinde ibuyekeze isicelo sayo. Kungenzeka, inkokhelo izotholwa esimweni esinjalo.

Isinyathelo 3. Ukubhaliswa kwesicelo

Ukufaka isicelo sesinxephezelo somshuwalense, umfakisimali kuzodingeka akhiphe isitatimende ngendlela enqunyiwe. Thola ifomu ingaba kumenzeli webhange noma ilandwe kuwebhusayithi ye-DIA.

Ngaphezu kwalokho, uzodinga ukwethula umazisi. Lapho sekutholwe izimali, omele umfakisimali uzodinga ukwaziswa igunya elinikezwayo.

Isinyathelo 4. Ukuthola isinxephezelo

Umenzeli wabelwe ukukhokha isinxephezelo Izinsuku ezi-3 kusukela ngesikhathi sokuthola uhlelo lokusebenza oluhambisanayo. Kepha kufanele kukhunjulwe ukuthi ukubuyiselwa kwemali kuqala kuphela ngaphesheya 14 izinsuku ngemuva kokuchithwa kwelayisense.

Kunezindlela ezi-2 eziyinhloko zokukhokha imali ebuyiswayo:

1. ngokheshi;
2. ngendlela engeyona imali - ngokudlulisela ku-akhawunti ekhonjiswe umfakisicelo kuhlelo.

Ithebula elingezansi lizokusiza ukuthi uqonde futhi ukhumbule inqubo yokuthola imbuyiselo.

Ukulandelana kwetafula lezenzo zomfakisimali uma kwenzeka umcimbi oqinisekisiwe:

P / p No.	Umthetho	Izici ezisemqoka
1	Ukuqoqwa kolwazi	Idatha yokuchithwa kwamalayisense ithunyelwa kuwebhusayithi ye-DIA ngokushesha
2	Ukufaka isicelo sesinxephezelo	Kufanele uxhumane nebhange le-ejenti, okukhethwa kukho okwenziwa amahora angama-72 ngemuva kokuvela komcimbi oqinisekisiwe
3	Ukubhaliswa kwesicelo	Ifomu lesicelo lingatholakala egatsheni lebhange le-ejenti noma lilandwe kuwebhusayithi ye-Deposit Insurance Agency
4	Ukuthola isinxephezelo	Ungathola imali ngokheshi noma ngokudlulisela ku-akhawunti yakho

8.Imibuzo evame ukubuzwa (i-FAQ) kumshwalense wediphozithi 💬

Umfakisicelo ngamunye ufuna ukukhulisa ukuphepha kwezimali zakhe. Yingakho kuhlale kunemibuzo eminingi ngesihloko somshuwalense wediphozi. Namuhla sizozama ukuphendula ezinye zazo.

Umbuzo 1. Yimali yiphi imali okwenziwa ngayo ukubuyiselwa kwemali?

Uma kwenzeka umcimbi onomshwalense, isinxephezelo sakho konke okufakwa, kungakhathalekile ukuthi yiluphi uhlobo lwemali lwe-akhawunti kuma-ruble waseRussia.

Ngaphezu kwalokho, ezimweni lapho idiphozi yenziwe ngemali yakwamanye amazwe, inani lezinkokhelo libalwa kusetshenziswa Izinga le-Central Bankisebenza ngosuku lomcimbi womshwalense.

Umbuzo 2. Ngabe umshwalense oyimpoqo wediphozithi yabantu usebenza emalini esemakhadini asebhange (okubandakanya impesheni namakhadi emiholo)?

Ikhadi lasebhange liyindlela esebenza ngogesi epulasitiki evumela ukufinyelela kuzimali ezifakwe kwi-akhawunti yamanje.

Ama-akhawunti anjalo avulwa ngokusayina isivumelwano se-akhawunti yasebhange, ngokwesiko esebenza njengenye yezingxenye zesivumelwano sokukhishwa kwekhadi lasebhange. Ngasikhathi sinye, ngokuya ngemigomo yomthetho emshuwalense oyimpoqo wediphozi, noma iyiphi imali ebekwe ngaphansi kwesivumelwano se-akhawunti yamanje iyabhekwa umnikelo.

Ngaphezu kwalokho, imali efakwe kumakhadi asebhange akuyona eyesigaba sama-akhawunti angaphansi kokuvikelwa kombuso ezingeni lomthetho.

Kulezi zimo ezingenhla, singaphetha ngalokho bathini awela ngaphansi komshwalense oyimpoqo.

Ngakho-ke, umshwalense wokufaka imali uyinsizakalo ewusizo etholakalayo ngamunye ofaka imali. Izinyathelo ezinjalo zisiza ukuvikela izimali uma kuba nezinkinga ezikhungweni zezikweletu. Lokhu kunikeza obeka imali ukuzethemba okwengeziwe ukuthi ngeke alahlekelwe yimali yakhe.

Ekuphetheni, sincoma ukuthi ubuke ividiyo yokuthi isebenza kanjani uhlelo lomshuwalense wediphozi laseRussia (DIS):

Ngaphandle kokuthi umshuwalense wamadiphozithi emabhange ukuvumela ukuthi ubuyisele imali yakho, iqembu lomagazini oku-inthanethi i- "RichPro.ru" lifuna ukuthi amabhange otshala kuwo imali abe nozinzo kwezezimali.

Yabelana ngemibono yakho kanye nokuphawula ngesihloko sokushicilelwa, futhi ubuze imibuzo yakho kumazwana angezansi.