Ubukhulu bomthamo womzali namuhla budlula ama-ruble angu-453 ayizinkulungwane. Le mali ibalulekile kakhulu kwabakhileyo kuwo wonke amadolobha aseRussia, kuhlanganise nezindawo ezinjengeSt. Petersburg naseMoscow. Yingakho imindeni encane eyathola isitifiketi sokuba nelungelo lokulahla le ntlawulo, iphupha lokuyisebenzisa ukuxazulula izinkinga zayo futhi uthole into engakwazi ukuthenga ngaphandle kokuboleka.
Ukukhipha inkokhelo ngemali eningi akusiyo njalo njalo, ngoba umbolekisi udinga isiqiniseko sokuthi obolekayo uzokwazi ukuyibuyisela esikhathini esizayo. Ukwamukela lesi sitifiketi, imindeni eminingi ihlela ukuyisebenzisa ngale njongo, okungukuthi, ukufaka isicelo sokubolekisa ngemali yokubeletha. Inqubo enjalo, ngokuyisisekelo, kungenzeka, kodwa ngokubheka ezinye izimo ezincane zokuziphatha kwayo.
Kulesi sihloko sizokutshela indlela yokubolekisa ngayo imali yokubeletha, futhi ngaphansi kweziphi izimo lokhu akuphikisana nomthetho.
Kungenzeka yini ukuboleka imali yenani lomama?
Yonke imali yenhloko yomzali, noma ingxenye yayo, njengomthetho jikelele, ingaqondiswa ekuthuthukiseni izimo zokuphila zomkhaya omusha, ukwandisa inani lomhlalaphansi womama wesikhathi esizayo, ukuhlela indawo yokuhlala yomntwana okhubazekile, kanye nokukhokhela imfundo yenzalo esikhungweni semfundo kanye nokuhlala kwakhe ehostela .
Ngakho-ke, umthetho awuhlinzeki ngokusetshenziswa kwalesi silinganiso sosizo lwezezimali okwenziwa noma ukukhokhwa kwemali mboleko. Noma kunjalo, ngaphansi kwezindleko zokubeletha, ungathatha inkokhelo yokuthenga noma ukwakhiwa kwezindlu. Njengomthetho, kulokhu, ukubolekwa kwemali yokubolekwa kwempahla ekhishwayo, lapho okutholakala khona impahla yezindlu zangempela kuqinisekiswe.
Ngaphezu kwalokho, ngaphansi kwezindleko zokubeletha, inkokhelo ehlosiwe ingathathwa ukuze kuthuthukiswe izimo lapho umndeni uhlala khona. Kulesi simo, umbhalo wesivumelwano sokwamukela leso sikweletu kumele ucacise ngenhloso yalezi zimali, ezingaphikisani nalolu hlelo, okuyilezi:
- ukuthengwa kwezinto zokuhlala, kokubili kumakethe kanye nasemakethe enkulu, okubonisa izici zayo eziqondile, kuhlanganise nekheli eliqondile lendawo;
- Ukwakha indlu yokuhlala endaweni yakho siqu ngosizo lwekonkontileka noma ngokwakho;
- ukwakhiwa okwabelwana;
- ukukhokhwa kwesabelo sokubhaliswa kwamalungu abambisene nabasebenzi kanye nokuxhasa ngezimali zokwakha.
Kuzo zonke lezi zimo, umnini wesitifiketi ngeke akwazi ukuthola imali ebolekwe ebhange ezandleni zakhe. Ngemuva kokuvunyelwa kokuthengiswa okuhlongozwayo yiSikhwama sePensheni, kumele kudluliselwe ku-akhawunti yomthengisi ngokuhlala okungenamkhawulo. Kumele uqaphele ukuthi ukuboleka imali usebenzisa imali yenhloko yomzali, akudingeki ulinde kuze kube yilapho ingane ifika eminyakeni emithathu. Ungafaka isicelo esikhungweni sesikweletu ngemali mboleko, ngokushesha nje lapho uthola isitifiketi.
Ukuqhubekela phambili kulokhu okushiwo ngaphambili, akunakwenzeka ukuthatha isikweletu somthengi ngenkokhelo yemali yokubeletha, futhi, ngaphezu kwalokho, lokhu kuphulwa ngokweqile komthetho waseRussia. Kodwa-ke, uma ufuna ukuthenga into engabizi kakhulu, kuze kube ngu-31.03.2016 ungakwazi ukukhipha ama-ruble angu-20 000 kusuka kulezi zimali zokukhokha futhi uwasebenzise nganoma iyiphi inhloso esikhundleni somboleko wabathengi noma ingxenye yayo.
Imaphi amabhange anika isikweletu ngemali yokubeletha?
Izikhungo eziningi zezikweletu azifuni ukuthintana nokuthengiselana okunjalo ngenxa yezingozi eziphezulu zomthetho, ngakho uhlu lwamabhange lapho ungathola khona imali mboleko kule mali lukhawulelwe. Ngokuyinhloko, kungenzeka ezinhlanganweni ezifana nalezi:
- I-Sberbank;
- "VTB";
"Genbank"; - "I-Asia-Pacific Bank";
- I-Levoberezhny Bank;
- "Ibhange lamaKedari";
- I-Interkommerts Bank;
- I-Khanty-Mansiysk Bank;
- "Ibhange laseMpumalanga Ekude";
- "DeltaCredit";
- Uralsib.