Iyini imali ebolekiwe?

Incazelo : Imalimboleko engaphansi kwayo iyiluhlobo olukhethekile lokuboleka imali, lapho inhlangano ebhange evulekile eRussia kungakapheli iminyaka emihlanu eyedlule izokwazi ukuheha imithombo yezimali yaseBenki Ephakathi ukwenza imisebenzi yayo isikhathi esingaphezu kweminyaka emihlanu. Ukuqhathaniswa kwalowo mboleko kufaka isithakazelo esingashintshi ngesikhathi sokusebenza kwekhontrakthi ephethwe futhi engadluli izinga lokusungula kabusha.

Njengomthetho, imali ebolekiwe ekhokhelwa inkokhelo eyodwa emva kokuphelelwa yisikhathi kwegama lesikweletu elibekwe enkonzweni, ngaphandle kwesimo lapho ibhange eliboleka liphoqeleka ukuba liphele ngokuphelele imisebenzi yalo, liqale inqubo yokukhipha imali. Kulolu daba, umbolekisi okhishwa ngamalimboleko angaphansi kwakhe akakwazi ukufuna izimali zakhe ezivela ebhange elibolekayo kuze kube yilapho izimali zezimali zezinye izikweletu ziyaneliseka ngokuphelele.

Izici : Ibhange lasekhaya elithola imali ebolekiwe ingakwazi ukufaka ngokugcwele imithombo yezikweletu emalini eyengeziwe ngaphezu kweminyaka eyisihlanu uma inkontileka neBhange Elikhulu iphetha isikhathi eside. Uma ngaphambi kokukhokhelwa kokugcina kwemalimboleko enjalo kungakapheli iminyaka engaphansi kwemihlanu, lowo obolekayo uzokwazi ukusebenzisa izimali ezitholiwe ukukhulisa ukulingana kuphela nemingcele. Futhi uma kwenzeka ukuthi inani lemalimboleko lingaphezu kwezingu-50% zezimali ezinqunyiwe zezikhungo zezezimali, leyo mboleko kumele ibhekwe njengezikhwama ezibolekiwe.

Izimo : Njengamanje, imali ebolekiwe ikhishwa ngesisekelo sekhontrakthi ngayinye, isici esiyinhloko sokutholakala kwesigatshana esikhethekile ukuthi umbolekisi-mboleko ngeke akwazi ukubuyisela inzalo mboleko kanye nokwenyusa imali ngaphambi kwesikhathi ngaphandle kokugunyazwa ngaphambi kweBhange Elikhulu. Ukusebenza kuphela njengombolekisi we-CBR kungaqeda isivumelwano sokubolekisa isikweletu ngemuva kokuvuma izenzo ezinjalo kumbolekisi, noma ukwenza noma yiziphi izinguquko esivumelwaneni samanje.

Ngokomthetho wamanje, ibhange eliboleka lingathola imali ebolekiwe uma izimo ezilandelayo zihlangana ngesikhathi esifanayo. Ngakho-ke, isikhathi sokukhokhwa kwezikweletu kufanele sidlule isikhathi esiyiminyaka emihlanu, izimo zokukhipha izibopho zezikweletu azikwazi ukuguqulwa ngaphandle kwesivumelwano sokuqala neBhange Elikhulu leRussian Federation, futhi akukho nhlobo yemali eyitholiwe, noma yonke into ebolekiwe, noma isithakazelo esibekiwe kuso sivunyelwe ngaphambi kwesimiso. Futhi inzalo yenzalo ngokwayo inqunyiwe ezimweni zokuboleka imali, futhi izinkontileka phakathi kobolekisi kanye nebhange eliboleka zibonisa ukuthi akunakwenzeka ukubuyekezwa kwalo kuze kube yilapho isikweletu siphelelwa yisikhathi.

Ngokuvamile imali ebolekiwe ikhishwa cishe ngemibandela efanayo nezinye izikweletu, futhi amanani aloluhlobo lwemali mboleko cishe alingana nesilinganiso senzalo esenzelwe izinhlelo zesikweletu ezifanayo. Futhi uma ibhange elibolekayo lisesimweni sokuqothulwa, lowo obolekayo uzokwazi ukuthola izimali zalo ngemuva kokuba lowo olahlekile egculise izimangalo zabathengi abasele.

Umlando : Ngo-2008-2009, ngesikhathi sesimo esibucayi sezinkinga zezezimali, ukubolekwa okungekho emthethweni kwasetshenziselwa ukugcina ukuzinza kwesistimu yasebhange yaseRussia. Indima yomlawuli okwenziwe ngaleso sikhathi yayingekho iBhange Elikhulu LaseRussian Federation, kodwa yiVnesheconombank, eyanikeza izikweleti ze-ruble ezikhungweni ezithile zezikweletu zaseRussia. Imali yokuqala yokubolekwa okunjalo yanikezwa iRossselzbank ne-VTB, njengoba izinga lomsebenzi wabo lalihambisana nezidingo ezilinganiselwe zokulinganisa, futhi inhloko yalezi zimabhange zanda ngenxa yeminikelo evela kubantwini besithathu nabanikazi bamasheya.