"Isivikelo Isikhwama depositor": i ezizimele inhlangano engenzi inzuzo

Ngokungangabazeki, imali - lena utshalomali olukhulu zokuphindaphinda kwabo okwengeziwe. Nokho, nokuntengantenga zomhlaba ngezinye izikhathi kwenza uzibuze ngalokho okwenzeka imali yabo. Lokhu okwenzekayo ngokumelene isizinda okuphetha ka amabhange nezinye izikhungo zezimali. Kodwa kuthiwani uma, ngenxa yesizathu esithile, yisiboniso yakho iye yanquma ukuba avale ibhizinisi zabo noma kwenzeke ngokuphazima kweso limenyezelwe ucabanga? Ukuze kuxazululwe le nkinga kuzokusiza "Isikhwama for the Ukuvikelwa zimali." Hlobo luni inhlangano? is it Umiswe kuphi? Futhi kulokho umsebenzi isimiso?

Isizinda ulwazi mayelana nenkampani

Ngemva inhlolovo eCrimea, amabhange eziningi Ukraine baye baphoqeleka ukuba uvale futhi ushiye kwemizi yabo nekhaya. Kunezizathu eziningana, ikakhulu ngenxa yokuthi ukuthi imimoya elisha lezombusazwe yashaya.

Ngaso leso sikhathi nge lutho kwakukhona izinkulungwane zimali Ukraine. babengazi ukuthi ukulahlekelwa lapho ukusebenzisa futhi kanjani ukuze uthole imali yakho emuva. Bafika ukusiza a non-nzuzo ezizimele inhlangano "Isikhwama for the Ukuvikelwa zimali."

ulwazi olujwayelekile mayelana Isikhwama: metal

Isikhwama lesi siyinhlangano engenzi nzuzo, ihlelwe ekuqaleni Apreli 2014. Lokhu nkampani yasungulwa ngesisekelo umthetho federal "Ngo izici of ukusebenza kohlelo lwezezimali weRiphabhulikhi eCrimea edolobheni yase Sevastopol ngesikhathi zesikhashana."

Umsunguli wale nkampani kwaba inhlangano isimo, eyaziwa ngokuthi i- "Idiphozi Insurance Agency". Lokho wathatha "Isikhwama for the Ukuvikelwa zimali" eCrimea ngaphansi iphiko layo umzali efudumele. CEO esimisiwe Alexander Nikitovich Kuznetsova.

Izinjongo kanye nemisebenzi yenhlangano

Njengoba isisekelo sayo Isikhwama eyayibekwe phambi kwakhe, omunye umsebenzi oyinhloko - ukukhokha ukheshi isinxephezelo for imali ukuthi yayikade wavula emabhange Ukraine. Kufanele kuqashelwe ukuthi ngaphansi kwalesi oda wawa akubona bonke izikhungo abolekise, kodwa yilabo kuphela ngoMashi 16, 2014 isinyathelo endaweni ye-republic ngesisekelo ilayisensi NBU, kodwa zaphoqeleka ukuba ayeke umsebenzi wabo.

Kuyaphawuleka ukuthi inhlangano engenzi inzuzo "Foundation ukuze kuvikeleke isinxephezelo emabhange 'wakhaphela kuphela izimali ezenzelwe phambi ngasekuqaleni kuka-Ephreli 2014. Phakathi yezinjongo eziyinhloko inkampani Yiqiniso, kwakuwukubabulala uvalo ukubuyisela uzinzo phakathi Abantu badideke.

Yini inani isinxephezelo?

Ngaphansi komthetho Russian wamanje, inani isinxephezelo ku ezifakwa zaba akukho ruble abangaphezu kuka-700 000 uma kucatshangelwa ebhange kanye iklayenti. Kuyaphawuleka ukuthi lesi sikhwama uqobo babe futhi izimali ezilinganiselwe ekukhokhweni isinxephezelo. Ngokusho idatha wokulungiselela, leli nani ngeke idlule ruble ayizigidi eziyizinkulungwane ezingu-60. Ngokwe-Isikhwama ngokwayo, cishe 25 engunyaza ngo-2015, ama-ruble angu-8 billion.

isinxephezelo engeziwe ngoba izimali

Uma ingxenye emabhange wathola isinxephezelo imali etshaliwe, izakhamuzi eziningi ayenganelisekile. Into wukuthi kumaphesenti athile izakhamizi republic BakaJehova ababenomusa ngayo ezifakwa ngamadola wase-US, futhi sum yabo itsatfwa ephakeme ukwedlula lomthetho ubuncane Isikhwama.

Ukuze angahlupheki ukunganeliseki phakathi uquqaba, kwanqunywa ukuba ukwaba ezengeziwe ruble ayizigidi ezingu 245,738. Ngaphezu kwalokho, leli nani, ngokuvumelana Isikhwama sebuqoqiwe ngokusebenzisa okuthiwa impahla yesibili umnikelo Autonomous Republic of eCrimea. Nokho, imali anibale kuphela labo abatshalizimali isikhathi ukuhambisa uhlelo lokusebenza le nhlangano uJuni 8, 2015.

Yini amabhange akhokhe isinxephezelo?

Kuyaphawuleka ukuthi akuwona wonke amabhange eCrimea abambisane abameleli Isikhwama futhi efanele, akhokhe isinxephezelo ukuze sabantu. Isevisi cindezela lenhlangano ukuvikela amalungelo emabhange okukhulunywa ezintathu kuphela credit izikhungo ogunyaziwe ukwenza izinkokhelo. Lezi zihlanganisa lamabhange alandelayo:

• CHBRR ( "Black Sea Bank neKwakha kaBusha nekuTfutfukisa").
• RNCB ( "Russian National Commercial Bank").
• "Genbank".

Amacebo nomsebenzi wesikhathi esizayo kwesiKhwama namuhla

Okwamanje, eCrimea usebenza 201 Isikhwama legatsha. Bonke abakhona emadolobheni 22. Phakathi kwabo kukhona ezifana Yalta, Sevastopol, Simferopol nabanye. Ngokwesibonelo, e Simferopol Mission Isikhwama kuleli kheli elilandelayo: ul. Rubtsov, d. 44 / A. E Sevastopol, kukhona ngokwahlukana kangaka Heroes esitaladini Brest, 116. Kuyaphawuleka ukuthi cishe wonke amahhovisi zivuliwe ngoMsombuluko kuze kube uLwesine kusukela 9 ekuseni kuya ku-6 ntambama, kanye ngoLwezihlanu - futhi abayisishiyagalolunye 16:45. Ngaphezu kwalokho, inkampani isebenza esemthethweni iwebhusayithi fzvklad.ru.

Ngokolwazi wokulungiselela, i- "IsiKhwama Ukuvikelwa emabhange" e Sevastopol nakwamanye amadolobha ezosebenza bengekho ngaphezu kwama-iminyaka emithathu.

Lapho kukhona ilungelo yokukhokha?

zimali ngamunye unelungelo inkokhelo. Nokho, kungenzeka ngaphansi kwezimo ezithile. Omunye wabo lokulethwa ngesikhathi sesicelo isikhathi esithile esimisiwe. Iphuzu elibalulekile yesibili kwemukelwa Bank of isinqumo waseRussia mayelana nokuvalwa elilodwa noma kwenye lenhlangano yasebhange, noma izinkampani zayo esebenzisana kuleli zwe.

I emabhange amabhange okungase ukuthola isinxephezelo?

Okwamanje, isinxephezelo bangathembela emabhange wangaphambili lamabhange alandelayo:

• "Active-Bank".
• "Privatbank".
• "Brokbiznesbank."
• "Raiffeisen Bank Aval".
• "Terra Bank".
• "Ukrgasbank".
• "Ukrsotsbank".
• "UkrSibbank".
• "DeltaBank".
• "Oschadbank."

Ngenxa yalokho, nezakhamizi ezazincishwe bhalisiwe e amabhange idatha njengoba abatshalizimali, elingangena ngokuphepha zisebenza "Isikhwama for the Ukuvikelwa zimali" isinxephezelo.

Ngingalutholaphi ulwazi mayelana izinkokhelo ekuqaleni?

Ngaphambi uthola isinxephezelo izinkokhelo zokubuyiselwa, emabhange yangaphambili amabhange Ukrainian kudingeka ubuyekeze imibiko zincwadi ezilandelayo:

• "Izindaba Crimean".
• "Iqiniso YaseCrimea."
• "Inkazimulo Sevastopol '.
• "Sevastopol izindaba."

Futhi, labo babe esisemanzini zamadola UAH, Kufanele uvame sibheke website esemthethweni yenhlangano, ngoba kulezi imithombo enyathelisiwe ukunikela "Idiphozi Ukuvikelwa Isikhwama" ukuthola izimangalo noma amalungelo ku imali.

Ngemva kwesikhathi esithile, ungabhalisela?

Ngemva lokushicilela isikhangiso iqala izinsuku ezingu-90, phakathi lapho labafuna kusisa ongeza eseduzane lapho kuqoqwa khona, futhi uthumele isicelo. Noma zithole ithuba ukuthumela isicelo ngeposi. Uma esikhundleni zimali uhambisa imibhalo isihlobo sakhe, ngaphezu iphakethe eyisisekelo kwemibhalo, lesi sikhwama Kumele unikeze amandla kwasayinwa lommeli.

Yini imibhalo kudingeka ukucubungula isicelo?

Waphenduka wabheka la "Ukuvikelwa emabhange bamasheya Isikhwama", zimali kuyodingeka uthumele amadokhumenti alandelayo:

• iphasiphothi wokuqala noma iyiphi enye incwadi kamazisi;
• inkontileka wokuqala noma passbooks ngesisekelo ephumela umnikelo;
• idokhumenti yokuqala okwakukhona umnikelo ngaphambilini evulekile;
• ikhodi ukuhlonza yokuqala;
• namanye amadokhumenti yasekuqaleni akunika ilungelo ukufuna inkokhelo ku imali.

Umnikeli ngaphuthelwa umnqamulajuqu izicelo: yini okufanele uyenze?

Uma zimali aphuthelwe umlamulajuqu izicelo isinxephezelo lokukhokha, kufanele afake isicelo yesikhwama ukuzivikela. Ngesicelo yakhe, imibhalo yokubhalisa isengavuselelwa. Nokho, lokhu kungenzeka kuphela uma zokukhokha oshiwo ngenhla aphuthelwe ngezizathu ezinhle. Ngokwesibonelo, ngenxa sina ukugula, ukulimala kanye nokunye okufana nalokho. D.

Lapho isiqunto sokunikela isinxephezelo?

Isinqumo ukwehluleka noma ukugunyazwa ukukhokha "depositor Ukuvikelwa Foundation" ngokuvamile okuthatha ezinsukwini ezingu-10 lokuqala isicelo kanye nenkanuko edlulele. Nokho, ngokulandela idatha, ngokuvumelana cindezela-service kwenhlangano, abameleli Isikhwama kungenzeka ukutshala. Ngokwesibonelo, isizathu lokhu kungase kube ukuntuleka kolwazi oluthile.

Isinqumo emihle noma emibi, odabeni oluphathelene nokukhululwa isinxephezelo zimali kungenziwa unolwazi ngomunye ngezindlela ezimbili kungenzeka: nge e-mail noma ngocingo.

Kwenzekani ngemva impendulo omuhle isicelo?

Uma Isikhwama ivume isicelo wemali, kubalulekile ukuba uvakashele isikhungo sezezimali igcina oxhumana nabo inkampani engenzi-nzuzo. Yikuphi amabhange asebenza naye eCrimea, siye echazwe ngenhla. Lapha kubalulekile ukuba amphuzise inkontileka for isabelo okufunwayo noma amalungelo ku ezifakwa eqandisiwe. Khona ngiyakufakaza ulindelwe kokuthola isinxephezelo. Futhi ungathola ke ngokheshi noma endaweni evulekile kule-akhawunti yasebhange.

Yimaphi inkokhelo yenziwa ku idiphozi?

Ukukhokhwa isinxephezelo Kwenziwa kungakadluli izinsuku ezingu-15 ngemva kokulilungisa yokuthi kwezidingo isicelo. Ngemva kwalokho, zimali unelungelo ukusebenzisa ibhange futhi wamukele izinkokhelo.

Kafushane, ungaphuthelwa ncwadi kule cindezela bese inthanethi. Isikhathi ukubhala isicelo futhi bamukele isithembiso ekukhokhweni 'Ukuvikelwa zimali yesiKhwama. "