Kodi bokosi lopangira ndi chiyani? Kodi ndiyenera kubwereka bokosi lotetezeka?

Timapitiriza kumvetsetsa ntchito zotchuka za banki. M'nkhaniyi, kubwereketsa mabokosi kudzatengedwa. Komanso mungapeze mayankho a mafunso omwe amafunsidwa kawirikawiri pamalangizo oyenera a banki, omwe ayenera kupatsidwa zinthu zamtengo wapatali zosungirako.

Ndi chiyani?

Selo la depositsory (deposit) ndilopetezeka, lomwe lili mu banki yachitsulo. Kawirikawiri amawoneka ngati mabokosi wamba omwe ali mu makabati. Kuti mutsegule, muyenera kukhala ndi fungulo lapadera, limene limaperekedwa kwa kasitomala wa kasitomala.

Mabotolo ogulitsira mabanki ku banki amabwera mosiyanasiyana, omwe amakhudza mtengo wopereka chithandizo: magawo owonjezereka, kubwereka kulipira kwambiri. Kawirikawiri chiwerengero chonse cha selo chiri ndi osachepera kukula kwa 0.007 m3.

Kodi iwo ndi otani?

Mabotolo amtengo wapatali ku banki ndi njira yabwino yosungiramo ndalama, zokongoletsa, zikalata zofunika ndi zinthu zina zamtengo wapatali. Kawirikawiri iwo amafunidwa kuchokera ku bungwe lalamulo. Ndiponsotu, pali malonda, mgwirizano ndi zina zotetezedwa, zomwe ziyenera kutetezedwa ku kuba kapena kusintha kwachinyengo. Ndipo kupatsidwa mabankiwo samayang'ana zomwe zili mu maselo, kusungirako chinachake chomwe chikuphatikizidwa ndi chinsinsi chonse.

Komanso, bokosilo limagwiritsidwa ntchito ndi mabanja omwe amapita kutali ndi kwawo, mwachitsanzo, kunja. Sizobisika kuti zambirimbiri zofunkha nyumba ndi nyumba zimapezeka panthawi yomwe alimi sakupezeka. Ndipo kawirikawiri, malangizowo amaperekedwa kwa anthu oyandikana nawo omwe amadziwa kuti palibe amene ali pakhomo.

Kuti muteteze ndi kutetezeka nokha paulendo wautali, musasiye zinthu zamtengo wapatali kunyumba. Mukhoza kubwereka selo kubanki, zomwe zidzatsimikizira kuti chitetezo chokwanira ndi chitetezo chokwanira.

Ojambula otchuka

Ndikofunika kusankha malo abwino kuti musunge katundu wanu. Ndipo ngati mabanki amagwiritsa ntchito zotetezeka, zimachotsa kukayikira kulikonse kuchokera kwa kasitomala.

Mwachitsanzo, Valberg amaika mabokosi, omwe amapangidwa ku Russia, amadziwika chifukwa cha makhalidwe awo abwino ndi odalirika. Mbali ya kutsogolo imapangidwa makamaka ndi zitsulo zamphamvu kwambiri ndi mamita 3 mm, ndipo zitseko zimagwiritsidwa ntchito ku German, zomwe zimasonyeza kuti zodalirika zimakhala zodalirika kwambiri.

Mukhozanso kuona Rosengrens safes. Maselo a depositi a opanga opangidwa kuchokera ku Sweden amadziwika padziko lonse lapansi, amawoneka kuti ali otetezeka komanso oyenerera.

Mpaka pano, maofesi otchuka a wopangazi ndi omwe ali ndi zipangizo zamagetsi ndi machitidwe otetezeka akumidzi.

Zomwe zili payekha

Banki yosungirako ndalama ndi malo abwino kwambiri omwe mungasunge zinsinsi kapena mfundo zomwe simukufuna kuzifalitsa.

Wogwira ntchito ku banki, ngakhalenso makamera a kanema, kapena alonda kapena alendo wamba ku nthambi ya bungwe la zachuma adzazindikira ndipo sadzakhala ndi mwayi wowona zomwe mudzaika mu chitetezo.

Inde, izi sizikutanthauza kuti n'zotheka kusunga zinthu zoletsedwa ndi malamulo kapena zinthu zina zomwe zikuphwanya malamulo a Russia.

Kodi ndimagwiritsa ntchito selo motani?

Banki lirilonse limagwiritsa ntchito njira zake ndi malamulo ogwirira ntchito mu njira imodzi kapena ina. Koma gawo la kutembenuza zachuma likudziwika ndi mpikisano wathanzi wambiri, zomwe zimayambitsa mabanki kutsatira malamulo ena.

Mukamabwereketsa otetezeka, mufunikira kulemba mgwirizano wa utumiki wa banki. Icho chidzaneneratu nthawi, mtengo wa lendi, ufulu ndi maudindo a maphwando.

Zonse zilipo mafungulo awiri kuchokera ku selo. Mutatha kulemba mgwirizano, wothandizira amapatsidwa makiyi amodzi. Yachiŵiri ili mu envelopu yapadera yokhala ndi chidindo. Amagwiritsa ntchito pokhapokha ngati, pa malamulo a khothi kapena matupi olamulira, kufufuza n'kofunika mu selo yogwiritsidwa ntchito. Koma nthawi zambiri sichifika pamfundoyi.

Pamene wofunafuna akufuna kuyika chinachake kapena kuchotsa ku chitetezo, amabwera ku nthambi yoyenera ya banki. Pamodzi ndi iye, munthu yemwe ali ndi udindo pa malo a zachuma kumbali iyi akutsikira ku chipinda. Chigawo chilichonse chimatetezedwa ndi achinsinsi kuti munthu uyu yekha ndi mutu wa dipatimentiyo amadziwa.

Woperewera akulowa pakhomo lotseguka, amachoka mu chipinda chake ndikupita ku chipinda chapadera, momwe mulibe makamera ndipo amatha kufufuza chinachake kuchokera kumbali. Pambuyo pochita ntchito zoyenera, wogula amabwerera selo kumalo ake, kutseketsa izo ndi makiyi ake omwe.

Chimene muyenera kukumbukira pogwiritsa ntchito selo

Monga tanenera kale, ndiletsedwa kugwiritsira ntchito selo yosungirako zida zolakwika. Ndiponso, simungathe kuyika chakudya kapena zinthu zina zowonongeka m'bokosi.

Ziyenera kukumbukiridwa kuti pali zofunikira ziwiri zokhazokha. Samalani kuti musasungeko yanu pamalo omwe mungafikire kwa anthu ena, popeza mungathe kuphatikiza mosavuta (ngati mutagwiritsa ntchito fungulo losavuta).

Kuphatikiza pa mapepala ndi zodzikongoletsera, zingathe kusungiranso ndalama. Chinthu chachikulu chomwe chimapindula ndi ichi ndikuti palibe amene amadziwa ndalama komanso ndalama zomwe mungasunge mu selo.

Kodi ndi ntchito yabwino?

Popeza bokosilo likhoza kukhala losiyana, mtengo wolipira udzakhala wosiyana. Komanso, ntchito yaikulu imasewera ndi bungwe lokha, maboma ndi mbiri, zomwe nthawi zina mumayenera kulipira.

Kamtengo kakang'ono kwambiri kabokosi kakang'ono ka mtengo kakang'ono kamakhala ndi mtengo wa 25-40 ma ruble tsiku limodzi la lendi. Izi ndizokonzekera kupereka banki pafupifupi 1000 rubles kwa mwezi umodzi wogwiritsira ntchito chithandizo.

Maselo, omwe kutalika kwake kufika masentimita 20, amawononga ndalama 50-80 pa tsiku. Ngati mutenga nthawi yofanana ndi mwezi umodzi, ndiye kuti muyenera kulipira pafupifupi ruble 2000.

Pamwamba pamakhala mitengo yamtengo wapatali yomwe imaperekedwa ndi mabanki a machitidwe omwe ali ndi mbiri yabwino komanso apamwamba kwambiri.

Sankhani banki yomwe ingakhale yokhulupilika ndi yamtengo wapatali kwambiri

Mabungwe azachuma akusiyana pakati pawo pa magawo osiyana kwambiri. Pa nkhaniyi, chofunikira kwambiri ndi chitetezo cha banki.

Mphindi uwu wagwiritsidwa ntchito bwino kwa mabanki omwe akhala akugwira ntchito ku Russia kwa nthawi yaitali, osati kuti awoneke miyezi ingapo yapitayo.

Zotsatira zochepa ndizo mabungwe omwe ali ndi likulu lachilendo. Mabungwe ambiri a zachuma, omwe amaimiridwa m'mayiko angapo padziko lonse lapansi, ali ndi luso lamakono ndi maiko oyenera padziko lonse pofuna kuteteza katundu wa makasitomala awo.

Koma ziribe kanthu momwe mabanki analiri othandizira, ntchitoyo ikugwiritsidwa ntchito phindu la akatswiri a zachuma. Mphamvu zawo zimadaliranso zambiri. Choncho, muyenera kuganizira za malo omwe ogwira ntchito ali ndi ziyeneretso. Izi zikhoza kuphunzitsidwa powerenga maumboni otsalira ndi makasitomala omwe agwiritsira ntchito ntchito za banki.

Samalani kusungira palokha. Malo amenewa ayenera kutsekedwa ndi kusakanikirana ndi kutetezedwa ku maonekedwe ndi kuyendera alendo osadziwika ndi anthu ena.

Kumalo kwinanso mumayika mabotolo ntchito?

Nthawi zambiri amagwiritsidwa ntchito m'mafakitale ochereza alendo. Malingana ndi malamulo a Russian Federation, makampani onse omwe amapereka mauthenga oterewa ali ndi udindo wa chitetezo cha zinthu ndi katundu wina wa makasitomala awo.

Kuti mupewe zochitika zosiyanasiyana zokhudzana ndi kuba kwa zinthu zamtengo wapatali, ndi mwambo wogwiritsira ntchito masitolo m'mabotolo. Amakhala otchuka kwambiri ndi makasitomala omwe amakhala kumalo omwewo kwa milungu ingapo ndipo amakakamizidwa kuti achoke nthawi ndi nthawi.

Utumiki womwewo ukhoza kupezeka pamalo ena akuluakulu, ndege ndi malo ena a anthu ambiri okhala ndi katundu. Koma m'mabungwe amenewa, kudalirika ndi chitetezo cha maselo ndizochepa kwambiri kuposa mabanki. Inde, pali zosiyana, koma mulimonsemo, nthawizonse samalani ndipo musadalire chitetezo cha malo anu m'malo omwe muli mbiri yoipa.