Umkhawulo ukheshe

Inhlangano, kungakhathaliseki ubunikazi, kuyinto ekupheleni amahora ukusebenza ukushiya ehhovisi lakhe ethile imali. Lokho inani cash ezisele ehhovisi, akumele seqe ethile. Le mali ibizwa ngokuthi kumkhawulo yemali.

Emini, inani cash akugcini, kodwa ekupheleni ukusebenza amahora inani lemali ukuthi uhlala phansi kwesandla sami, kufanele ibe ngaphansi isethi ku inkampani ngabanye umkhawulo imali ngamunye. Uma inani idlula umkhawulo, kubalulekile ukuthatha ezihlosiwe lokhu akhawunti injongo ibhizinisi, wavula ngo amabhange. Njengoba okuhlukile, ehhovisi ezingaphezu kuka umkhawulo isethi ibhokisi zingagcinwa izimali ukuthi ayehloselwe ukukhokhwa izibonelelo ahlukahlukene kanye namaholo. Kodwa ukuphila eshalofini lezi izinkokhelo singadluli izinsuku ezintathu, ikhumbula usuku kokuthola imali ebhange.

On 01.01.2012 zizosebenza imithetho emisha, ezihlobene imali ukuthengiselana, manje oda beqhuba imali zibuswa Regulation № 373-P we Bank of Russia 12.10.11g. Ngokusho kwaleli lungiselelo nenhlangano futhi ngabanye osomabhizinisi, omisebenzi yakhe kuhilela ukusetshenziswa kwemali kufanele ugcine imali ngoba zonke izimfuneko ukuhlinzekwa esesikhulume ngazo. Ngakho, ukubeka umkhawulo imali ngendlela efanele.

Ngaphambili, ngokuvumelana isikhundla, okuyinto sisebenza kuze January 1, umkhawulo imali isethwe yibhange. Ngokwethulwa imithetho emisha kukhona umbuzo obeka umkhawulo yemali njengamanje. Manje yonke inkampani noma usomabhizinisi kumuntu ngokwakhe ayibekele ngokwalo kumkhawulo izimali okungatholakala elondolozwe ehhovisi ibhokisi. Kulokhu, ukuxoxisana lemali ebhange noma ezinye ogunaziwe akudingekile.

Bala umkhawulo imali lingachazwa amaningana Regulations 373-n izindlela.

Izinto eziyinhloko ezikhathazayo kuqala labo enqubeni abe supply njalo yemali. Badinga ukuqala ukunquma isikhathi imali uzobe umkhawulo (inyanga, ikota, njll) ibalwa. Khona-ke lapho kubhekiselwa kwesikhathi sokukhokha sokunquma inani umngcele ezingaba bahlale yemali. Le nkathi ngaphansi kwemigomo akukwazi izinsuku ezingaphezu kwezingu-92, kodwa akukho ikhalenda, futhi izinsuku, okuyinto, ngokusho esimisweni umsebenzi inhlangano noma umqashi abasebenza. Futhi ungakwazi ukukhetha isikhathi evumayo kakhulu: nesikhathi esifanayo ngonyaka odlule; isikhathi ngaphambi isikhathi lapho imali ngumkhawulo; isikhathi nge lemali ngenzuzo, njll

Uma lokhu kunqunywa, isampuli wenziwe imali nazo zonke babethola imali ezishisiwe kunezelwa ndawonye. Okulandelayo, kufanele banqume ukuthi zingaki izinsuku cashier noma omunye umuntu ogunyaziwe kuzothatha insalela ngokheshi in the amabhange. Kodwa kufanele sikhumbule ukuthi ukuvama iminikelo enjalo kumele singeqi izinsuku eziyisikhombisa.

Njengoba kuchazwe wonke amaphuzu okukhulunywe ngaye ngenhla, ungaqala ukuze uthumele. Ukuze wenze lokhu, isamba izimali lesikhathi esikhethiwe ihlukaniswe ngenani lezinsuku zokusebenza enhlanganweni ngesikhathi esifanayo futhi umphumela siphindwe ngesibalo sezinsuku okuzoba imali lacela umaluju. Inani wathola isiyonke, futhi kuzokhawulela yemali.

Eyesibili indlela esetshenziswa izinhlangano kanye osomabhizinisi ngamanye abangenalo ukuqhutshwa imali. Okungukuthi imali esesandleni woza kuphela akhawunti wamanje. Kulokhu, njengoba esikhathini esedlule, kumele ukhethe isikhathi ukusungula umkhawulo imali. Khetha isikhathi isiphetho, ephinde akukwazi izinsuku ezingaphezu kwezingu-92. Ukuze ubone ukuthi ivolumu izindleko lesikhathi esikhethiwe futhi inani lezinsuku ukuthi badlule phakathi kokuthola imali akhawunti yenhlangano izikhungo yasebhange.

Okulandelayo ekubalweni umkhawulo imali: Inani wathola isikhathi esithize imali (angafaki amaholo, izibonelelo, imifundaze, njll izinkokhelo) ehlukaniswa akhethiwe ukubala inani lezinsuku zokusebenza kanye siphindwe ngesibalo sezinsuku phakathi, oyokuba phakathi ethola imali ngesheke.

Sula ifomu umkhawulo imali ukubala isikhundla singanikezwanga, ngakho wenza kunoma yiluphi uhlobo. Ikhishwe umkhawulo oda yemali ibalwa ikhanda kwenhlangano noma usomabhizinisi yangasese kunoma yiluphi uhlobo.