Akhawunti kude nonxweme - yintoni na le nto?

iibhanki Imvume yokwenza badla ezinxulumene kunye namaqondo aphezulu nobugocigoci zemali. Noko ke, inyaniso kukuba nabani na ukuqalisa ukusebenza nabo. Kuya kufuneka iiyure nje ezimbalwa.

Abezindaba demonize utyalo-mali kwiinkampani offshore, umzobo ekucingeni akhawunti offshore abezopolitiko efihlakeleyo ihlabathi, ngubani wayifihla imali yabo kwezinye uhlobo inkampani mthethweni ibekwe esiqithini inzulu Caribbean, apho izinga lerhafu phantse zero. Nangona Kwiimeko ezinjalo basoloko nezahlulo kwemitholo, inani elikhulu ngokugqibeleleyo zomthetho.

Kutheni ufuna i akhawunti kude nonxweme? It ikuvumela ukuba ukutsala utyalo-mali, emele uluhlu olubanzi lweendlela ukuba zisebenzise iingenelo ezinikezelwa ngaphaya kwemida yeli wemali.

Ukunciphisa umthwalo werhafu

Amazwe amaninzi ebizwa ibe irhafu zinika concessions kubatyali-mali bamanye amazwe. irhafu Low, nenokuthi maxa wambi ichaphazeleke iinkampani offshore, ukunceda ukudala imeko yotyalo-mali esempilweni etsala utyalo-mali kwamanye amazwe. Urhulumente amancinci ngemithombo omncinane kunye nabantu amancinci iqwalasela abathengi aphesheya njengethuba lokuphucula kakhulu imeko yabo yezoqoqosho. Ngamanye amazwi, utyalo kufika apho abatyali ukudala iinkampani nonxweme.

Corporations Act njenge iqokobhe, ukukhusela ii-akhawunti yomthengi ukusuka irhafu ephezulu kwilizwe labo. Ekubeni musa inxaxheba kumsebenzi loqoqosho lwengingqi, apho irhafu liyephambilini na ityala. Iinkampani ezininzi lasemzini zifumana iwonga irhafu-kumbe xa utyala US kwiimarike. Ngoko ke, ukuphunyezwa kwe investment ngokusebenzisa corporation langaphandle luncedo ecacileyo phezu investment imali nge-akhawunti offshore yomntu.

ukuvikeleka kubazingeli

akhawunti kude nonxweme - yinto indlela ethandwayo ngokutsha asethi. Ngokusebenzisa iziseko, trusts kunye nobunini inkampani ukudluliselwa kwabanye. Lowo bendinxunguphele enkundla amatyala, wagqiba ukuthumela ezinye iimali kwamanye amazwe. Ekudluliseleni amalungelo kwipropati iphepha, abantu akusekho babesoyika kohluthwa impahla okanye neengxaki ezifanayo.

vu bank

akhawunti Imvumo - oko zebhanki engqongqo kunye ziyimfihlo ashishinayo, liqulathwe kwinqanaba mthetho. Ukuba kantu, umntu onetyala uya kuba noxanduva ngokupheleleyo umthetho. Umzekelo disclosure - disclosure ze data zokuzazisa yomxhasi. Ukongezelela, kwamanye amazwe kukwaphula nokudandalazisa ulwazi malunga abanini nkampani. Kodwa ke oku akuthethi ukuba abatyali - ke mthetho, ngubani na into ukuzimela.

Khumbula ukuba umthetho kude nonxweme ikuvumela ukuba bachaze idata yobuqu kwimeko okuxhaphaza imali, ukuthutyeleziswa kweziyobisi ngokungekho mthethweni okanye ezinye izinto ezingekho mthethweni. Noko ke, ngokwemiqathango yokungcakaza obuphezulu, nokugcina imfihlo zolwazi ezifana ngubani lomthengi, ngexesha kokuthenga izabelo inkampani yoluntu ukwazi ukunikeza uncedo lwemali (kwaye zomthetho) zakutshanje ezibalulekileyo. Multimillionaires abayithandi into eninzi-zimali ezincinane othenga isitokhwe efanayo, bona, njengoko iphakamisa amaxabiso.

guqulo kutyalo

Ezinye States imingcele inkululeko abemi baso ngemithetho yaso ukuba bazalise phesheya. Abantu abaninzi bakholelwa ukuba akwenzeki ukwenza ngokwenene-ezahlukahlukeneyo ipotifoliyo yotyalo-mali. akhawunti Imvumo - ke kunokwenzeka ukuba afumane ufikelelo mda kwimarike ehlabathini utshintshiselwano ezinkulu. Ukongeza, kukho amathuba amaninzi kumazwe asakhasayo, ngokukodwa abo aqalile bathengise amacandelo zazilawulwa ngaphambili ngurhulumente.

iimfuneko zesiseko

Nganye ibhanki nonxweme kunye kolawulo langaphandle neemfuno zalo, ngoko ke kuyimfuneko ukuba ukuqhuba uphando lokuqala ukufumana oko ukufunayo kwimeko elinikiweyo. Ngezantsi ngamagqabantshintshi yintoni nokulindeleyo, ngokususela kwingcaciso eyaziwa amaziko zemali ezifana eBahamas, Bermuda, Cayman Islands kunye Isle of Man.

Indlela ukuvula i-akhawunti kude nonxweme?

Imigaqo lokuvula i akhawunti enjalo ngaloo asebenza kulo naliphi na ilizwe. iibhanki aphesheya becela inkcazelo yobuqu efana negama, ubuzwe, indawo yokuhlala, umhla wokuzalwa kunye nendawo yomsebenzi.

Ukuze uqinisekise ubuwena bakho kufuneka ukuba zinike ikopi yencwadana yokundwendwela, iphepha-mvume lokuqhuba okanye amanye amaxwebhu lokwazisa olukhutshwa yi-arhente karhulumente. Ukongeza, iibhanki khangela indawo yokuhlala, njengoko oku kuchaphazela imiba irhafu. Ukuze benze oku, baya kwanela ukuba angenise bill eluncedo okanye iphepha efanayo.

Ngenxa iintlobo ngeentlobo amaxwebhu elifaka zinganikezelwa kwimigangatho offshore, kaninzi kufuna isiqinisekiso eyongezelelweyo ubunyaniso bazo. Kwezinye iimeko uya kwanela ukuba zinike ikopi kubameli, kunye namanye amaziko bakhetha apostille - uhlobo olukhethekileyo ibheji elifaka osetyenziswa ngamazwe. Ukuze ufumane oku kufuneka utyelele i-arhente karhulumente ogunyazisiweyo ukuncamathisela isitampu kweli lizwe.

Amaxwebhu identification eyongezelelweyo

iibhanki Imvume yokwenza ukuvula i-akhawunti abeke phambili ezongezelelweyo, hayi ncam iimfuno njengesiqhelo. Oku kuyimfuneko ukwenzela ukukhusela imali ngokungekho semthethweni, ubuqhetseba irhafu okanye ezinye izinto ezingekho mthethweni ukuba anxulunyaniswa namaziko ezinjalo.

Okokuqala, ukuba ukuvula i-akhawunti lingacela amaxwebhu zemali ngumthengi bank zangoku iinkcukacha iintsalela nobungqina "ulwalamano eyanelisayo." Ngokuqhelekileyo ingxelo ye-akhawunti kwiinyanga ezintandathu ezidlulileyo - ngonyaka.

Okwesibini, iibhanki ezininzi ebuzwa malunga nemo ozithengileyo kulindeleke kwi-akhawunti ivulwa. Oku kubonakala kanti izifaka kakhulu, kodwa ke ezi amaziko aphantsi uhlolisiso, kangangokuba abazange bakwazi ukuqhuba imisebenzi mthethweni. Ukuza kuthi ga ngoku, iibhanki offshore ifuna uxwebhu olongezelelweyo esiqinisekisa imvelaphi mali eyenziwe.

Ukuba imali kumvuzo, kuya kufuneka athabathe payroll yomqeshi. Ukuze uqinisekise ukuba imbuyekezo yotyalo mali, ibhanki offshore usenokucela ukuba unikwe ulwazi malunga nohlobo yokugqibela kunye nendawo utyalo-mali yazo.

Ukuba akukho mali olubalulekileyo efunyenwe esuka kwishishini okanye nemihlaba iintengiselwano kufuneka ukunika izivumelwano yentengiso okanye ngamanye amaxwebhu afanelekileyo. Ukuba awunalo imali efunyenwe phantsi isivumelwano inshorensi, kuya kuba yimfuneko ukuba inkampani yeinshorensi. Ukuba imali ilifa, wacela umlawuli kwipropati, engqina le nyaniso.

khetha lwemali

akhawunti kude nonxweme - lithuba lokuba ukugcina imali kwi lwemali efunekayo.

Kufuneka wazi iziphumo zokwenza iingxelo ezinjalo. Umzekelo, ugcino kuthetha ezimalini ezithile kuya kuvumela ukufumana inzala iidipozithi, nto leyo nayo kunokukhokelela njengetyala irhafu amazwe. Ngaphezu koko, ukuze afake imali kwi-akhawunti yedipozithi ndirhoxise ngokutsha imfuneko amazwe, nto leyo ikhatshwe iindleko kakhulu, kuxhomekeka kubume iintlawulo kunye rates ezicetywayo.

Ukudluliselwa kwemali

An offshore akhawunti yebhanki kudla ukugcwala ngoncedo zodluliselo wire ngamazwe. Ngelishwa, inkqubo ezivumela transfers ezamahala, eqhelekileyo kwiibhanki eqhelekileyo, njengokuba Ngumthetho, angabi nako ukwenza iintlawulo ngamazwe.

Ukuthumela imali ngumsebenzi elula, kodwa phantse wonke umntu kuthatha le komishoni. Iintlawulo ziyahluka ukusuka yebhanki ebhankini, ngoko umele wazi nabo kwangaphambili. Ngelishwa, bambalwa iindlela ezilungileyo. Iitsheki adla ithathwe aphesheya, nokwenza imali ezinkozo akunakwenzeka.

notsalo

Indlela ukurhoxisa imali kwi-akhawunti kude nonxweme? Unako ukwenza lula ukusetyenziswa iinkonzo zebhanki, banikeza abathengi ngeendlela ezininzi watsala imali yabo. Abaninzi bakholisa kukhutshwa ikhadi debit ekuvumela ukuba ufikelele lula imali yakho ehlabathini lonke. Kuyimfuneko ukubona iirhafu ukuba ukusetyenziswa kwale ndlela, njengoko iintlawulo ngamazwe kunokuba ebonakalayo. Yesixa-mali notsalo eninzi imali kunokunceda nciphisa ezi ndleko.

Ezinye iibhanki nonxweme zinika itshekhi. Oku ngesiqhelo hayi eyona ndlela ibhetele watsala imali. Kwindawo yokuqala kuba akukho zigcinwa ziyimfihlo. Ngaphezu koko, iitsheki abazotyiweyo iibhanki amazwe azisoloko kwamkelwa.

Ukhetho engcono kungaba ukusebenzisa akhawunti ezimbini: aphesheya kunye kwelizwe. Ngoko ke, ukudluliselwa ngocingo ingasetyenziswa ukudlulisela imali eninzi ukuze akhawunti lwangaphakathi, apho ziyafikeleleka lula. Le ndlela sele ukuthembeka ephakamileyo yabucala, kwaye sinika lula iinkonzo zebhanki yasekuhlaleni.

imfihlakalo kokuchitha

Nangona le mfihlakalo ezingqonge elo lizwe kunye neemeko ezithile zoshishino, ukuba ukuvula iakhawunti yebhanki kude nonxweme silula. Amaxesha amaninzi yonke into efunekayo - ukuba bazalise ifom leyo, angenise amaxwebhu nokuchonga umntu kunye nolwazi olongezelelweyo engqina ukungabikho ngenjongo yokuqhuba imisebenzi mthethweni.

Ukukhetha lwemali, ifoun yesibambiso kunye notsalo ke kancinane nzima ngakumbi, kodwa ukhetho kuya kuba lula emva kokufunda iirhafu ibhanki yakhe.

mali njani ekhuselekileyo kude nonxweme?

offshore ukunikela amathuba ngokwaneleyo utyalo ekhuselekileyo Popular kunye neenkampani ezininzi ezaziwayo-kakuhle ukuzisebenzisa. Ngaphezu kwesiqingatha asethi kunye notyalo ezigcinwe kwimiba offshore yehlabathi. Noko ke, njengoko ukuphunyezwa yonke imisebenzi kufuneka akhokelwe yi ingqiqo kwaye khetha kwinkampani yotyalo ezaziwayo. Icebo ukuba bafune iingcebiso evela kumcebisi mali onamava kwaye ezaziwayo,-mali kunye Ummeli kwenzaliso ngamazwe. Ukuba injongo kukuba ukukhusela impahla okanye ube nomdla izindlu okanye ukudluliselwa ishishini, bekuya kuba kuhle ukufumana igqwetha (okanye iqela yamagqwetha), eyenza kakhulu kwindawo yokhuseleko asethi, amafa okanye ulandelelwano. Kakade ke, iinkonzo zezi ngcali zibiza imali. Kwiimeko ezininzi, izibonelelo zotyalo-mali nonxweme luyazedlula iindleko ezinkulu zemirhumo yobungcali, iikhomishini iindleko zothutho.