NPF "LUKoil-Garant": ukujongisiswa umsebenzi Fund

mali yomhlala-phantsi karhulumente eRashiya namhlanje waqalisa imfuno enkulu. Kodwa nantsi ukukhetha umbutho ngokungenasheyi, nto leyo angadlulisela umhlala-phantsi wabo elizayo, akukho ilula kangaka. Namhlanje, ingqalelo yethu iya kwenziwa NPF "LUKoil-Garant". Kubalulekile ukuba ngokutsha ngamnye. Nawuphi na umntu uluvo ebonakala iluncedo kwaye ifundisa. Yintoni abaxhasi Ucinga ntoni le mbutho? Ngaba uyakholwa na? Okanye ngaba ngcono ukugcina imali yomhlalaphantsi kwenye indawo? Oku kuya kufuneka bana phandle kwangaphambili. Ngapha koko, le pension - akukho nto ayingomdlalo. Kunye nemiba enxulumene nayo, kufuneka kujongwane nazo kwangethuba.

umsebenzi

Into yokuqala kufuneka sinikele ingqalelo - le nto inxaxheba kule nkampani. Mhlawumbi usemncinane kakhulu yaye ngenxa yoko akukho mfuneko ezi nkonzo? Okanye, icala, kuyimfuneko ukuba anyamekele kakuhle-ntle yabo elizayo.

"Lukoil-Garant" - ingxowa-mali yomhlala-phantsi. Inceda ukuba ulondolozo kunye nokwanda kwe pension ikamva lakho. Kakade ke, kukho ukwanda okuncinane kuye. Oko kukuthi, siqinise kuphakamisa imali "kukwaluphala" abemi kunye intlawulo elandelayo kwayo. Into erhanelekayo, yinto umsebenzi oqhelekileyo. Kuba bonke NPF "LUKoil-Garant" ingxelo evela kubasebenzi kunye nabathengi lifumana HIV. Akuyomfuneko ukuba uqonde into ezinye iinkonzo zibonelelwa nguloo mbutho. Nje ngokwaneleyo ukuba ukukhumbula ukuba ngelo xesha uya kukwazi ukugcina nokwandisa pension yabo ngekamva.

ukwanda

Kuba naliphi na ishishini ukuba ukwanda kakhulu kweli lizwe. Ngale ndlela, i NPF "LUKoil-Garant" (review kwako ushiye wonke simahla) igama kuhle. Lo mbutho mdala kakhulu, nto leyo lonke Russia amasebe awo.

Loo nto phambi kwethu ngokucacileyo bubuqhinga. Ukuba ufuna ukuba umtyali-mali ka "Lukoil-Garant" Kuya kubakho iingxaki. khangela nje ukuba isebe kwisixeko yakho (isoloko ikho) kwaye ujonge ngalo naliphi na ixesha ekulungeleyo. Akukho ngxaki, akunjalo? Lo mbutho saa kwilizwe lonke. Mhlawumbi, ngalo mzuzwana, akukho mzi, oko kwakungayi kuyisombulula ofisi ubuncinane omnye "LUKoil-Garant". Kwaye oko akuthandayo. Intembeko abathengi ukusuka jikelele wombutho uyakhula.

ukukala

ngendima enkulu edlalwa yi ekuthiwa-trust rating of abathengi. Ngenye indlela, indawo lombutho kuluhlu zonke kunokwenzeka mali yomhlalaphantsi non-karhulumente. Kule ndawo ufumana kuphela "LUKoil-Garant" ncomo elungileyo umthengi NPF. Kunye nokurhafiswa eliphezulu nako kule nkampani. Kunjalo, ngoko bathi abaninzi.

Okwangoku, "Lukoil" phakathi mali ezihlanu ezizezona oyongele umhlala-phantsi. Oko kukuthi, unako ngokuqinisekileyo ukumthemba. inqanaba ukuthembana A ++. Lo mlinganiselo uphakamileyo. Kubonakala ukuba intlangano enokuthenjwa ngokwenene. Awunakuba ukoyika ukuba ngequbuliso kuya kuvala phantsi okanye akakwazi kuphumeza imisebenzi yakhe. Kodwa ngaba ngokwenene? Amaxesha amaninzi, ezi nkcukacha-manani musa ukubonakalisa ngokupheleleyo yonke inyaniso ngale okanye ezinye iinkampani.

inzuzo

Yintoni enye sinikele ingqalelo kwiindwendwe? Kakade ke, lo kuthiwa njalo-imbuyekezo yobulungu. Ndifuna ukutyala apho kukho inzuzo. NPF "LUKoil-Garant" mgangatho inzuzo kunye nohlaziyo kule intsimi kwanezincomekayo. Kodwa akuyona indlela engcono.

Kweli nqanaba ngonyaka, ingeniso mbutho malunga 6-6.5%. Imali eliseleyo 'adle "yi kwamaxabiso. Enyanisweni, ayikho kangako. Kodwa akakwazi ukunikela okhuphisana apha ngayo nefuthe kakhulu. Ubuninzi - yi 4-5%. A "Lukoil-Garant" liye isivuno esikhulu. Hayi kakhulu, kodwa kukho umahluko. Yaye abathengi abaninzi nguye.

Ngoko NPF "LUKoil-Garant" mlinganiselo Abantu ngayo amanqaku kwinqanaba endilisekileyo. Nangona kukho isizathu sokukholelwa ukuba esi inkampani bona fide, nto leyo eya kunceda ukugcina nokwandisa oyongele umhlala-phantsi. Kodwa ngaba ngokwenene? Ngaba iingxelo onjalo ntengiso nje ukwenzela ukutsala abathengi ezintsha?

abe ilungu

Ukuze uphendule lo mbuzo kunzima. Emva kokuba yonke into ayikho kakuhle kule nkampani. Ngenxa yesizathu esibalulekileyo. Abanye baye babonakala singabalulekanga, kodwa abantu abaninzi kunjalo Ngaloo mathuba zibonakala ekrokrisayo.

Yintoni? NPF "LUKoil-Garant" (a ngokutsha lombutho inokufumaneka kuzo ebezintle nezo zingentle) iyasebenza, kude kakhulu, benza ekutsaleni abatyali ezintsha. Le meko kudala eminye - oko sele uphumelele, iqumrhu sokukhokhela bamatasa kulo ukufuna kubathengi ezintsha? Kufuneka ujonge kubo.

Kodwa kukho Ndilicukuceze ngakumbi xa ngummi ugqiba ukuba ukujonga apho inxalenye inkxaso ye pension yakhe. Ngokufuthi kwenzeka ukuba sele umxhasi we "Lukoil-Garant". Kodwa yonke into isibheno kwinkampani kwi inxalenye wakho, akukho namnye wenza isivumelwano iinkonzo. Surprise, kanti ukuphazamisa abathengi.

Kutheni kunjalo? Zonke ngenxa yokuba "Lukoil-Garant" ukungena kwizivumelwano ukugcina inxalenye inkxaso ye pension kunye ezahlukeneyo abaqeshi. Nabo ke, ukunyanzela bonke abasebenzi ukuba basebenzise kuphela idatha-mali yomhlalaphantsi. Xa ezinjalo imisebenzi imvume ingafuneki, umqeshi enze nokuqinisekisa kwaye unika okulungileyo ukuncipha.

Kodwa ke, ukuba wenza isicelo kulo mntu entlanganweni, akukho zikhalazo apho. Wena ngokukhawuleza bazobe ikhontrakthi esichaza zonke bokuqonda iikopi ezimbalwa, ngokukhawuleza ukuvula i-akhawunti, ze aqale ugcine wakho umrhumo. Isivumelwano siyakuchaza ngolwimi olucacileyo nolulula. Nangona abanye Ndandikhathazekile ukuba ulwazi mncinane kakhulu kucacisiwe Imvumelwano imali xa kuyimfuneko.

In kwenye ingxowa-mali

Njengoko wayeza kuba buhlungu njengoko kuvakala unakho, kodwa NPF "LUKoil-Garant" (ncomo, ukulinganisa umgangatho trust entlanganweni ziyenziwa ukuze ingqalelo yethu) - hayi intlangano othembeke. Nakowuphi na umzekelo, oku uluvo kwabelwana ngabathengi abaye bagqiba ukuba lirhoxe kule ngxowa-mali yaye uye kwenye. Xa kokusayina isivumelwano uya kwaziswa ukuba akukho iingxaki ziya kubakho. Ufuna ukutshintsha ngxowa-mali yomhlala-phantsi? bhala nje ifomu yesicelo uze thaca kwi-ofisi ka "Lukoil-Garant" kwisixeko sakho. Musa ukulibala ukuba abhalise khona izixhaso akhawunti, nto leyo eya ukudwelisa inxalenye lwakho numbers ye pension.

Kodwa oku zonke izandi nje kakuhle kwaye ezintle. Ukuziqhelisa, iingxelo umthengi rhoqo waliwa ngenxa yezizathu ezahlukeneyo. Amaxesha amaninzi uthembisa yasungulwa nje. Yonke nje ukugcina abathengi. Perturbation akukho mda. Enyanisweni, ezinxulumene "Lukoil-Garant", uya ebotshelelwe entlanganweni. Ukufudukela kwenye ingxowa-mali yomhlalaphantsi kuya kufuna ukuba ukuzingisa, nokuba molestation ekulweleni amalungelo abo. Amaxesha aliqela kufuneka ubhale isicelo kwaye kupheliswe zonke "iimpazamo", nto leyo ibonisa nkampani. Nje ngoko ke ayithethi vala.

Nceda qaphela, uya wehlelwe ilahleko enkulu emva kokuba ikhefu "Lukoil-Garant". Le nkampani ukukunika naliphi na ingeniso kulo nyaka, nto leyo kuthwalelwa phandle transfer imali yomhlala phantsi. Le nto imiselwe kwisivumelwano, kodwa ngokuqhelekileyo alihoywa.

iintlawulo

Enye ingongoma negative - sele athembele intlawulo imali yomhlala phantsi. Pick kubo phezulu, uya kukwazi kuphela xa uba umhlalaphantsi. Emva kokuba kuthathwe noba yonke imali, okanye ukufumana ipesenti ethile yonke imali. Iskim yesibini ifumaneka rhoqo.

Kodwa loo nto NPF nje "LUKoil-Garant" (uphononongo nesimilo yombutho afumaneka kwiminyaka yakutshanje ngakumbi nzima ngakumbi) iye kule ndawo igama elibi. abathengi abaninzi bathi - akayi kuba nako ukufumana ixesha corporation imali. Njalo naziphi iintsilelo kwenzeka, ingxaki, kwakunye neempendulo kudidi "kungekho mali, linda." Oko amathuba ephakamileyo uya kuze ube nako ukulahla inxalenye yawo ezongezelekayo ye pension. Konke oku kukhokelela ukwala iinkonzo ukuya entlanganweni. Okanye ubuncinane uqaphele kuyo.

umntu othengiselwe impahla yakhe ukuhlawula amatyala

Xela ukuba oko kuya kwenzeka kwixesha elizayo NPF "LUKoil-Garant" ukurhoxiswa kwaloo layisenisi yakhe. Kodwa kuphela amahumhum. beza ngenxa yokuba uninzi nxaxheba abayifumani ixesha imali yazo yomhlala phantsi. Oku kuphakamisa ukukrokrelana: siqinise nje zawa. Akanayo imali ukuze ahlawule. Ngoko, emva koko wafumana imali, edwelisa abathengi, emva iimfuno zawo. Olunomkhethe, mthethweni kwaye kukungakhathali!

Konke oku kwenza ukuba angavumi ukuba aqukumbele isivumelwano "Lukoil-Garant". Kubonakala ukuba phambi kuthi na ombutho aqotho. Kwaye ukuba wanxibelelana naye, kufuneka ucinge ngaphambi ukutshintshwa kwe pension kwezinye kwingxowa yomhlalaphantsi non-karhulumente (okanye zikarhulumente). Ezi ngcebiso enikwa nxaxheba abaninzi.

hamba

Njengoko ubona, NPF "LUKoil-Garant" (ncomo umthengi nezilinganiso ngoku ezaziwa kuthi) - akufani nkampani aqotho. Kuyinto uzinzile, oluthembekileyo kakhulu, kodwa ke iintlawulo kuya kufuneka angene apho ezithile ukulibaziseka nokulibaziseka. Yiyiphi eyona - usenokufumanisa ukuba inxalenye yakho numbers ye pension sele zigcinwa kwi "Lukoil", yaye abayazi ngayo.

Apha ungakwazi ukumelana. Eneneni, ngokubanzi, ayikho imeko yayahluke ngokupheleleyo ukususela oko kwenzekayo abaseleyo mali yomhlalaphantsi non-karhulumente. "Lukoil-Garant" - yenye yeenkokheli eRashiya. Kunye nongeniselo, kwaye inani labathengi (enoba indlela beza entlanganweni). ngokucacileyo Le ngxowa-mali yomhlala-phantsi angalahlekelwa ilayisenisi yayo kwaye ngeke avalwe. Kangangokuba kokuba kube nokuqwalaselwa azinzile. Ubunzima kuzo zonke iingenelo neengozi zombutho, uze emva koko uthabathe isigqibo sokugqibela yobulungu. NPF "LUKoil-Garant" - ingxowa-mali yomhlala-phantsi, exabisa ubuncinane ezinye ingqalelo yakho.