Xana ndzi nga wu mboleko evela ikopi yokundwendwela, VAT kunye SNILS?

Mboleko kunye yemalimboleko - kukuba muva yiyona kuyimfuneko kakhulu kubemi abaninzi. Nangona kunjalo, le nkqubo sikhatshwa ingqokelela kakhulu uluhlu elikhulu izibambiso ezahlukeneyo. Ezinye uyazibuza: Ngaba kunokwenzeka ukuba uthathe imali-mboleko evela ikopi yokundwendwela okanye ubukho iikopi namanye amaxwebhu? Kwaye ukuba kungenzeka enjalo, njani yaye phi ukuphumeza iingcamango zifezeke? Konke oku kuya kuxoxwa kamva. Enyanisweni, lo mba ludlala indima ebalulekileyo kubaboleki ezininzi.

Into ekufuneka

Okokuqala kuya kufuneka ukuba afumanise oko amaxwebhu ayimfuneko, umgaqo, ukuze ufumane imali-mboleko. Kuphela koko wenza (okanye hayi) ingqondo ukukopa. Zisalindele nale nkqubo wanele. Ngoko ke, ukuba ucinga, ngaba kunokwenzeka ukuba ikopi yokundwendwela ukuba athathe mboleko ukuqala ukufumana ukuba yintoni efunekayo noluhlu lwamaphepha ukuba bammise phambi ibhanki ukuba isicelo seenkonzo.

Akukho nzima ukukhumbula ayikho apha. Okokuqala, kufuneka ubonise naluphi na uxwebhu lokuzazisa. Ngokuqhelekileyo iba yokundwendwela Russian. Ukuba ayiwenzi, kwaye ayinamsebenzi, kodwa iibhanki abaninzi abavumi ukuba akhuphe mboleko. Okwesibini, kufuneka isicelo esibhaliweyo isicelo semali-mboleko, kwakunye nesatifikethi yakho ingeniso (2-NGOBUCHULE, imbali zengqesho, 3-NGOBUCHULE, kwamatyala, zeekhontrakthi iinkonzo). Okwesithathu, uya kucelwa ukuba kwindlu yabahambi, SNILS kunye ID zomkhosi (ukuba amadoda engama-27). Ukongeza, ukuba ufuna isiqinisekiso somtshato / uqhawulo-mtshato, ukuzalwa abantwana, isivumelwano somtshato (ukuba ikhona). Emva kokuba impahla epheleleyo yamaxwebhu, jonga ukuba ibhanki semali-mboleko.

ikopi

Yintoni ngoku? Ngokufuthi uzibuze abantu: Ngaba kunokwenzeka ukuba uthathe imali-mboleko evela ikopi yesazisi incwadana yokundwendwela kunye nerhafu? Oku kakhulu umdla eziqhelekileyo okuboniswa luninzi lwabantu. Ngapha koko, loo nto ayisoloko ukuba kungenzeka ngokungenisa le uxwebhu yokuqala.

Enyanisweni, akukho nzima ukuba baqashele ukuba akakho kukodwa ikopi yalo naluphi na uxwebhu nawaphi na amandla omthetho. Mhlawumbi njengentsomi. Nje intwana ngephepha apho into kubhaliweyo. Ngoko ke, ukuba unomdla, ukuba kunokwenzeka ukuba imali-mboleko ikopi yokundwendwela kunye impendulo SNILS kufuneka kucace: akukho akanakuba. Kakade ke, kusenokwenzeka ukuba egobile. Eyona ndima ephambili idlalwa apha yinto yokuba iikopi zamaxwebhu ngokwabo yanto ngokusemthethweni. Ngoko ke, ukuba usebenzisa ekuphumezeni intengiselwano ukuphelisa ukuba ngeke isebenze. Ngaba umqeshwa bank uya susa ikopi yokuqala, uze ufake kwi-full package of amaxwebhu. Kodwa ngoxa elishicilelwe phantsi le lisebenziswa!

ukuqinisekiswa

Kodwa ayipheli apho eli isisombululo ingxaki yethu. Yinto akukho mfihlakalo ukuba ikopi kunokuba kubameli. Kwaye ngoko ke kuya kufuneka ubuncinane zibe. Amaxesha amaninzi kufika xa bengakwazi okanye awufuni beze namaxwebhu yoqobo xa isicelo kwabo okanye elinye igunya.

Ngaba kunokwenzeka ukuba uthathe imali-mboleko evela ikopi yencwadana yokundwendwela, leyo uqinisekiswe loluntu izivumelwano? Ngokunyaniseka, lo mbuzo moot. No: Ukuba wenza ngaphakathi komthetho, kusenokwenzeka ngokucacileyo ukuphendula kwakhona. Xa usenza isicelo semali-mboleko okanye imali-mboleko, kufuneka nakanjani wosondeza kuphela originals amaxwebhu akho. Ingakumbi yokundwendwela, inombolo yesazisi berhafu, kwaye waphupha, yaye oku kusebenza izatifikethi yengeniso.

Ngoko ke, nokuba ikopi amathuba okufumana iinkonzo ebhankini eqinisekisiweyo phantse ngokulinganayo zero. Kufanele kube njalo. Ngapha koko, enyanisweni nje izivumelwano iqinisekisa ukuba ikopi luyasebenza. Yena ningabi Umzekelo, ukuba phambi kokuba ekuqaleni uxwebhu yokuqala. Ngoko ke musa ukumangaliswa.

umkhuba

Kodwa sonke siphila kwihlabathi lanamhlanje. Kwaye Russia akusoloko yonke kwenziwa ngokomthetho. Ke ngamanye amaxesha, bezibuza ukuba kunokwenzeka ukuba imali-mboleko ikopi yokundwendwela, uya kukwazi ukufumana impendulo eyakhayo. Ngokutsho komthetho; njengokuba kuthiwe, oku kunokwenzeka yaye akuyi kubakho. Xa kunjalo, naziphi na izilungiso umthetho negunyazisa iikopi kwemikhosi ngokusemthethweni zange ziphuhliswe.

Kodwa practice, kukho ukuxolelwa. Ewe, xa iibhanki ezinkulu iikopi ze naziphi na iimpepha andinanto yakwenza - akukho inkampani yesazela uya zingathathi xanduva lukhulu kangaka. Ngoko ke, kukho sele nje unethamsanqa - umntu esiya yokuNyenyisa imiQathango kwaye isebenza kunye efotokopiweyo, abanye abanawo. Amaninzi, Kakade, uzibeka esichengeni ukusilela, kodwa ngenxa ukuvunywa kwesicelo sakho nako ube nethemba. Kuyinto nje efanayo abaninzi sokuqala ngaphandle ukuphatha ukufumana imali-mboleko okanye imali-mboleko.

apho ukuya

Yintoni esinokuyenza ukuze sibe nethuba elihle lokuphumelela wayewise namhlanje? Ngaba kunokwenzeka ukuba ikopi yokundwendwela ukuba imali-mboleko? Siye safumanisa ukuba, xa mgaqo, ithemba elinjalo ikhona. Nangona ngokusisigxina kwaye hayi kuzo zonke iimeko. Noko ke, kukho amacebiso eya kukunceda ekusombululeni ingxaki.

Ukuba ufuna ukufumana impendulo elihle umbuzo wokuba kunokwenzeka ukuba imali-mboleko ikopi yokundwendwela kunye namanye amaxwebhu musa ukujongana inkonzo kwimibutho ezinkulu kunye neebhanki. Yontoni le njongo, okanye zabucala iinkampani, okanye imibutho zemali ezifana micro-mboleko (umzekelo, "Bystrodengi"). Kwiindawo ezinjalo badla kakhulu kugxininisa amaxwebhu. Noko ke, kukho amathuba iingxaki kwixesha elizayo, umzekelo, iintlawulo. Kuyimfuneko ukuba bayithathele ingqalelo.

Khumbula: iibhanki amakhulu iikopi zamaxwebhu bengenanto yakwenza. Uyakwazi yifake kwisicelo, kodwa original isekhona uya kufuneka qho mandatory. Ukuba ufuna ukubuyisela iphepha elithile, wena kuqala ukukwenza oko. Ke ngoko nje Yenza imali-mboleko.

imigulukudu

Amaninzi, umba yethu ngoku ukuba nabakhohlisi abanomdla. Basoloko becinga ukuba ungakwazi ukuthatha ngetyala ukuba ikopi yokundwendwela omnye umntu. Ngokubanzi, njengoko sele sibonile, ngokuqinisekileyo musani ukufumana impendulo. Enyanisweni, oko kunokwenzeka, kodwa kunzima kakhulu ukuba aguqulele iingcinga zibe amanyathelo.

Noko ke, xa sibheka kuzo umbutho ekunene, yaye uya kumnika imali. Ngenxa yoko, indlela entsha ubuqhophololo. Iya isanda, abemi ukufumana ukuba "hung" mboleko, nto leyo ke kufuneka ukuba lubuyiswe. Kuqeqesho okanye mikrozaem okanye imali nje hayi kakhulu. Ukuba uphawula ukuba babe lixhoba lokuphangwa enjalo kufuneka ngoko nangoko afune uncedo kumapolisa. Zama ukuba ukukhumbula apho waya ifotokopi yakho yokundwendwela, oko kuya kunceda ukubamba mthetho.