Ukukhokhwa kwezinhlawulo zamaphoyisa omgwaqo ngaphandle kwekhomishini ku-inthanethi

Ukuthola inhlawulo emaphoyiseni omgwaqo esikhathini sethu akunzima neze: amakhamera wevidiyo nezithombe afakwe yonke indawo, onogada bacasha ehlathini ngama-radar, cishe akukho ndawo yokupaka imoto enkabeni yedolobha elikhulu. Ngakho-ke, uthanda noma ungathandi, kodwa noma kunjalo, ngolunye usuku kufanele uphule imithetho yomgwaqo.

Ngenhlanhla, ungakwazi ukukhokha inhlawulo ngezindlela ezihlukahlukene, ngaphandle kokushiya ikhaya lakho. Sesivele sibhale ngokuningiliziwe kuwebhusayithi yethu i-Vodi.su mayelana nendlela yokukhokha inhlawulo yamaphoyisa omgwaqo: Ibhange le-inthanethi, izinsiza ezikhethekile zezinsizakalo zomphakathi, izinhlelo zokukhokha nge-elekthronikhi. Ungakwazi futhi ukuma ngendlela yakudala kulayini omude e-Sberbank noma ukhokhe ngamatheminali okukhokha, manje akhona kuwo wonke amagumbi.

Kodwa-ke, noma yimuphi umshayeli ohlawulisiwe unesithakazelo embuzweni - kungenzeka yini ukukhokha inhlawulo ngaphandle kwekhomishini?

Ngempela, izimali zasebhange ngezinye izikhathi zingafinyelela kumaphesenti angu-5 yenani. Futhi uma usebenzisa indlela yokukhokha ekhangiswa kabanzi nge-SMS, khona-ke opharetha beselula bakhokhisa isilinganiso samaphesenti angu-6-10.

Uma ucabanga ukuthi izigidi zabantu zisebenzisa izinsizakalo ezinjalo nsuku zonke: zikhokhela izinsiza, zigcwalisa i-inthanethi noma i-akhawunti yeselula, zikhokha izinhlawulo, nokunye, khona-ke ungakwazi ukulinganisa ukuthi ingakanani imali engenayo etholwa amabhange ngamakhomishini kuphela.

Amakhomishana amabhange angumthombo wesibili omkhulu wemali engenayo ngemuva kwenzalo yemali mboleko.

Bheka ukuthi lisekhona yini ithuba lokukhokhela izinhlawulo zamaphoyisa omgwaqo ngaphandle kwekhomishini.

I-QIWI nezinye izinhlelo zokukhokha

Uma uya ngqo kuwebhusayithi yalolu hlelo lokukhokha, thola isigaba esithi "Khokha" kumenyu ephezulu bese uya ezinhlawulo zamaphoyisa omgwaqo, sizobona ukuthi ifomu lokufaka lithi:

• Ikhomishini 3%, kodwa hhayi ngaphansi kwama-ruble angama-30.

Kepha kunenye indlela, udinga nje ukulandela isixhumanisi - https://qiwi.com/gibdd/partner.action. Uzobona ukuthi kulokhu ikhomishana ingu-0%, futhi inani eliphakeme lokukhokha lingama-ruble angu-5500.

Into ewukuthi i-QIWI isibe uhlelo lokukhokha olusemthethweni lwamawebhusayithi ezinsizakalo zomphakathi kanye namaphoyisa omgwaqo. Ungafika ekhelini elingenhla uma uchofoze inkinobho - "Khokha izinhlawulo ku-inthanethi", ebikuwebhusayithi esemthethweni yamaphoyisa omgwaqo. Manje ayikho, nokho, uma ubheka izinhlawulo, isixhumanisi esiya ku-QIWI sisazovela futhi uzoyiswa kuleli khasi.

Njengoba sibona, lapha udinga ukufaka inombolo kanye nosuku lwe-oda lokukhokha. Uma ulahlekelwe irisidi yakho, khona-ke kuwebhusayithi yethu Vodi.su kukhona isihloko sendlela yokukhokha inhlawulo yamaphoyisa omgwaqo ngaphandle kwerisidi. Kumele futhi kuqashelwe ukuthi ukuze usebenzise le sevisi, kufanele uqale ufake imali esikhwameni sakho, futhi akukho khomishini ekhokhiswa lokhu.

Kuzodingeka futhi ukhokhe amakhomishini uma usebenzisa ezinye izinhlelo zokukhokha:

• Webman - 0,8%;
• Yandex.Money - 1%, kodwa hhayi ngaphansi kwama-ruble angu-30.

I-Gosuslugi.ru

I-Payment of State Services iyisevisi ye-inthanethi edumile lapho ungakhokha khona izikweletu zentela, ukugcinwa kwezinqubo ze-FSSP. Kukhona futhi into ehlukile - Izinhlawulo Nemisebenzi yamaphoyisa omgwaqo.

Futhi esizeni ungajwayelana nemithetho yakamuva etholwe nezinqumo zeDuma, ngokwesibonelo, abangakhokhi i-alimony noma izinhlawulo kusuka ku-29.01.15/10/XNUMX banqatshelwe ukusebenzisa imoto - hhayi izindaba ezinhle kakhulu kulabo abanayo. izikweletu ezingaphezu kuka-XNUMX XNUMX ruble.

Kukhona nezindaba ezinhle - kusukela ngo-2016, kuzokwazi ukuthola isaphulelo esingu-50% sokukhokha okusheshayo kwenhlawulo. Yiqiniso, kuphela uma inhlawulo ingeyona encane, okungukuthi, ngaphezu kwama-ruble angu-500, futhi ayikhishelwa ukwephulwa okuphindaphindiwe. Lesi sinqumo sasayinwa nguPutin emuva ngoDisemba 2014.

Ake sibuyele ekukhokheni izinhlawulo. Esigabeni sezinhlawulo nezimali zamaphoyisa omgwaqo, ungabheka ngokushesha futhi ukhokhe izinhlawulo okufanele uzikhokhele.

Kunezindlela ezimbalwa zokukhokha:

• kusuka kumakhalekhukhwini;
• ekhadini lasebhange.

Uzodinga ukugcwalisa amafomu amaningana:

• inombolo kanye nosuku lokutholwa;
• inhloso yokukhokha;
• idatha yakho.

Ikhomishana ayikhokhiswa kuphela kulabo basebenzisi ababhaliswe kuwebhusayithi Yezinsizakalo Zikahulumeni (njengoba kushiwo kuleli khasi). Ngokubhalisa, ungagcina wonke lawa mafomu futhi ngesikhathi esilandelayo lapho udinga ukukhokha enye inhlawulo, ngeke udinge ukufaka idatha ngawe, kodwa kuphela inombolo yesinqumo kanye nenani lenhlawulo.

Nokho, ezansi kwekhasi ungathola into - "Isebenza kanjani." Ngokuya kuleli khasi, sibona: “Imigomo yokukhokha”, amakhomishini lapho ukhokha ngekhadi lasebhange nange-akhawunti yeselula:

• ikhadi lasebhange - ikhomishini 2,3 amaphesenti;
• I-Beeline inikeza i-7%;
• I-MTS - 4%;
• I-Megafon - kusuka ku-6,9 kuya ku-9%;
• I-Tele2 ne-Rostelecom - 5.

Okusho ukuthi, kungakhathaliseki ukuthi sizama kangakanani, kodwa lapha udinga ukukhokha imali ebanjwayo.

Amabhange kanye nezindawo zokukhokha

Lapho sibuza komunye weminyango yamaphoyisa omgwaqo ukuthi ungayikhokha kuphi inhlawulo ngaphandle kwekhomishini, satshelwa:

"Amaphoyisa omgwaqo awanalo ulwazi olunjalo, sicela uthinte izinhlangano zezikweletu ngqo."

Ibhange elidume kakhulu eRussia yiSberbank. Amatheminali ayo okukhokha kanye nama-ATM angatholakala eminyangweni eminingi yamaphoyisa omgwaqo. Indlela elula yokukhokha inhlawulo ngekhadi lakho lasebhange. Ngeshwa, ikhomishini nayo ikhokhiswa icala kuleli cala - ukusuka kumaphesenti owodwa kuya kwamathathu. Futhi uma ukhokha ngokusebenzisa opharetha (okungukuthi, i-terminal yokukhokha), ikhomishini ingamaphesenti angu-3, ​​kodwa hhayi ngaphansi kwama-ruble angu-30.

Qaphela futhi ukuthi uma udinga ukukhokha izinhlawulo eziningana ngesikhathi esisodwa, khona-ke ngamunye wabo kufanele athunyelwe njengenkokhelo ehlukile futhi ikhomishini kufanele ikhokhwe.

Empeleni, isimo siyafana kuwo wonke amanye amabhange. Ngaphezu kwalokho, akuwona wonke amabhange anikezela ngezinsizakalo zawo zokukhokha izinhlawulo zamaphoyisa omgwaqo.

Kodwa kufanele ngisho ukuthi kukhona nezici ezinhle. Ngakho-ke, ngezikhathi ezithile, ukukhushulwa kuqhutshwa emabhange ahlukene, ngaphansi kwemigomo ongayenza ngayo izinkokhelo ngaphandle kwamakhomishini. Isibonelo, i-Alfa-Bank kanye namaphoyisa omgwaqo aseRussia baqala ngo-April 2014 insizakalo yokukhokha izinhlawulo kuwebhusayithi enkulu yamaphoyisa omgwaqo, futhi abashayeli abangamakhasimende e-Alfa-Bank bangakhokha inhlawulo ngaphandle kwekhomishini.

I-B & NBANK ngo-2014 nayo yenza umkhankaso ofanayo, ngokusho ukuthi kungenzeka ukukhokhela izinsizakalo ezihlukahlukene ngaphandle kwekhomishana: izindlu nezinsizakalo zomphakathi, izintela, izinhlawulo, njalonjalo. Kuyacaca ukuthi le nkonzo ibitholakala kuphela kumakhasimende aleli bhange elishiwoyo.

Uma ukhetha ukukhokha ngokheshi etafuleni lemali lasebhange, ikhomishini izokhokhiswa yonke indawo. Udinga futhi ukukhokha inzalo lapho usebenzisa ukubhanga nge-inthanethi okuvela ezinhlanganweni ezihlukene zezikweletu.

okutholakele

Ngemva kokuhlaziya izindlela eziningi ezitholakalayo zokukhokha izinhlawulo zamaphoyisa omgwaqo, sifika esiphethweni sokuthi ukukhokha ngaphandle kwekhomishana ezintweni ezingokoqobo zezomnotho zanamuhla "kuyidada". Ngokomthetho, ikhomishini ayikhokhiswa kuphela lapho ukhokha izintela kanye nezimali ezidingekayo (isibonelo, lapho ubhalisa imoto). Izinhlawulo ziphinde zidlule njengokudluliselwa kwezimali ku-akhawunti yokukhokha yebhizinisi elisemthethweni.

Asikukhumbuze nokuthi sekunenqwaba yezinyathelo zomthetho emabhange. Ngakho-ke, amagama anjengokuthi "ikhomishini 3%, kodwa hhayi ngaphansi kwama-ruble angu-30" adukisa abantu, ngoba, isibonelo, kusukela kuma-ruble angu-500, ikhomishana kufanele ibe ama-ruble angu-15, hhayi ama-30. Ngakolunye uhlangothi, amabhange, anciphisa usayizi we ikhomishini ngamanani anqunyelwe - kusuka kuma-ruble angama-30 kuya ezinkulungwaneni ezimbili.

Ngeshwa, kwakungenakwenzeka ukuzuza iqiniso enkantolo, futhi ukuvinjelwa okunjalo kungabonakala ezinhlanganweni eziningi zezikweletu.

Iyalayisha...