Kutheni ndifuna i-akhawunti yemali kwaye yintoni efana nayo?

Ubume bezoshishino zaseRashiya kukuba i-domestic currency - i-ruble - inomlinganiselo omncinci kwihlabathi. Oku kuthetha ukuba abanakho ukuhlawulwa kwiimpahla okanye iinkonzo ezinikezelwa ngamaqabane angaphandle. Imisebenzi kwiintengiso ezinjalo zenziwa ngoncedo lwamazwe angaphandle, ngokuqhelekileyo - iidola zase-US. Nangona kunjalo, i-akhawunti evamile yokuhlala ayikwazi ukusebenzisa le nto - umthetho awuvumeli. Emva koko umbutho okanye umntu osomashishini uvula i- akhawunti yerhwebo lwangaphandle.

Ibhanki enika iinkonzo ezinjalo kufuneka zihambisane neemfuno zomthetho. Ukuba zonke iimfuno zolawulo zidibene, ilayisenisi eyahlukileyo ikhutshwe kwiziko lemali. Emva koko unako ukuqhuba ngokuphepha ngemali yangaphandle. Nangona kunjalo, konke okufanayo, ininzi yemali yokuthengiswa kwemali eyenziwa kwiiruble, imali ezayo kwi-akhawunti yokutshintshiselana kwamanye amazwe okanye ithathwe kuyo, iyaguqulelwa kwiRashiya imali kwizinga leBhanki Ephakathi.

Kuyaphawuleka ukuba abathengi beebhanki abaphelelanga kwihlelo elinye lemali yamanye amazwe, umzekelo, iidola zase-US. Kuvunyelwe ukuvula ii-akhawunti ezingezantsi kwintlobo nganye yemali esetyenziswa kulo msebenzi. Kule meko, umbutho okanye usomashishini uya kufumana izitatimende zebhanki nganye.

Njengoko uyazi, ukuvula iibhanki kwibhanki ayibonisi ubunzima obukhethekileyo. Umxhasi akayi kuba neengxaki ezinkulu kunye nokubhalisa ubudlelwane kule ndawo. Eliziko kufuneka linikezelwe ngamaxwebhu aqhelekileyo:

- ingxelo kunye neenkcukacha zabaxhasi bexesha elizayo;

- ikopi yomqulu okanye isiseko sesivumelwano (rhoqo siqinisekiswa);

- ikopi yamaxwebhu obhaliso lombuso;

- ikhadi elinesiginitsha (kwakhona ngokuqhelekileyo luchazwa ngumbonari).

Xa kwenzeka ukuba i-akhawunti yelizwe langaphandle livulwe ngumntu wasemzini okanye umbutho odibeneyo, kufuneka banikezele ubungqina bokuba ngamashishini kunye notyalo-mali lwangaphandle. Kulo mandla, isatifikethi sokufakwa kubhaliso olufanelekileyo.

Emva kokutshekisha encinci nomfaki sicelo, inkontileka yenkonzo yebhanki iphelelwe. Umbutho okanye usomashishini emva kokuvula ii- akhawunti ezimbini : i-transit kunye nekhoyo ngoku. I-transit yokuqala - ithathwa njengento yokudlulileyo. Ngaphambili, wakhonza urhulumente ngenxa yokuthengwa kwemali. Kuphela emva kokuba inxalenye eseleyo kunye neeruble zihanjiswe kumacandelo abo. I-akhawunti yangoku isebenza kuzo zonke izinto ezisisiseko.

Iingxelo zokuvula ngoku ziyafumaneka ngaphandle. Kwaye apha ngalinye ilizwe libeka imithetho yalo, ngamanye amaxesha kunzima. Apha, umzekelo, isishwankathelo sendlela yokuvula i-akhawunti kunye nebhanki yaseSwitzerland.

Kukho iibhanki ezininzi kweli lizwe, kwaye ngamnye kubo unokubeka ubuncinci beemali. Kodwa ukususela ekusebenzeni kuyaziwa ukuba ukuba imali ingaphantsi kwamawaka amawaka amawaka angama- 10 ama- Swiss francs, ngoko ke amathuba okuba wenqatshelwe. Yaye ukuba iphumelela ekubeni ngumnini weakhawunti ephoxisayo, kunye nenani elincinci lokuthengiselana, emva kwexesha, isiphakamiso sokuphelisa isivumelwano siya kufunyanwa.

Ngaphambi kokuvula i-akhawunti yerhwebo lwangaphandle, abaphathi bebhanki kufuneka badibane nomntu. Inkqubo yokuPhumla isondele ngokupheleleyo. Ukuba kukho i-ofisi emele ibhanki eRashiya, ngoko kunokwenzeka ukuyicombulula ingxaki kuyo. Ukuba akunjalo, kuya kufuneka uhambe.

Ngokuqhelekileyo, kusengaphambili kuyakufuneka ukuba ucele uluhlu lwamaphepha adingekayo ukuze udlulise ukuqinisekiswa. Zihluke kakhulu kwiRashiya: oku kungabandakanya ubungakanani boshishini, iimpawu zalo kunye nobukhulu bemali engenayo. Ixesha lophando olunzulu luya kuvela kwiiveki ezimbini ukuya kwinyanga. Inkqubo inokulula lula kuphela ngoncedo lwecomo oluqinileyo lwabaxumi, kwaye akunakukwazi ukukhawulezisa.