"Imvume" (NPF): ingxelo evela kubathengi nabasebenzi. OAO APF "Soglasie" - njani ukuphelisa isivumelwano?

fund Pension "Imvume" ekusebenzeni kwimarike inshorensi ukususela ngo-1994, yaye ebudeni belo xesha abathengi bakhe ngaphezulu kwe 176 amawaka abantu. Ukususela ngo-2010, ukongeza neemvumelwano pension NPF "Imvume" ibonelela ngeenkonzo inshorensi kunye isalathiso operatives elizayo imali. Yenzeka njani le nto? Xa isivuno 2011th ka APF "Imvume" yaba liphezulu kweli lizwe - ngaphezu kwe-33%. Ngo-2015, inkampani yaphela imisebenzi Umhlala-Inshorensi evela yokurhoxiswa ilayisenisi Central Bank. De kube lelo xesha, ngemisebenzi inkampani "Imvume" (NPF) ncomo umxhasi abangenayo ngenxa ngokugqithiseleyo ulawulo lomgaqo-nkqubo zorhwebo, injongo walo ongundoqo kuphela ukuba sithengise i-inshorensi.

Company Iinkcukacha

Kwiminyaka 22 yamava kwinkampani pension kunye ne-inshorensi NPF "Imvume" waziwa abathengi kunye naphakathi okhuphisana ngokubanzi ingqalelo umgaqo-nkqubo esebenzayo lenkampani izivumelwano ezintsha. imali Pension kwabagcinisi akhuselwe inshorensi imali, oko kukuthi, abaxhasi kuba 100% isiqinisekiso buyiselo inxalenye ezixhaswa ngayo umhlala.

Ngexesha ubukho lombutho abangaphezu kwama-176 amawaka abantu yadluliselwa imali yabo ukuya NPF "Imvume". idilesi ye nkampani (izinze eMoscow), i-website esemthethweni, kunye nee-ofisi ngo-2015 yaye ngoku izicelo yabathengi kwaye efanelekileyo. Kubalulekile ukuqwalasela nesizathu sokwenzeka koko kwenzekayo.

Nangona into yokuba kunyaka ophelileyo NPF mvume "Imvume" sele alirhoxiswanga ekupheleni kuka-2014, abantu 29 ikwazile ukufumana ngokuthi intlawulo operatives kwimvumelwano kwisixa 858.610 engange. Phantsi kwezivumelwano ukubonelela isalathiso-inshorensi ezongezelelweyo ngenkxaso non-karhulumente, intlawulo yazo ngo-1168 ukuya kubathengi kwi imali engaphezu kwezigidi 3.17 engange.

nentlawulo yezixa-mali, banikwe isalathiso eliphezulu zimela ukuzaliseka izibophelelo abagcinisa, yaye ngaphakathi sikhokelo kulo mzekelo phantse unique inkampani, njengoko uninzi "amasimi" yenkampani "Imvume" (SPF) Ukulinganiswa abagcinisa na neze.

Ukuthatha inxaxheba simo arhente ingcali

Ukuthatha inxaxheba amanqaku iinkonzo peer, iinkampani axhomekeke yokuba bakwazi ukubonisa ukukwazi kwabo ukubhatala kunye nesakhono ukuhlangabezana izinyanzelo abagcinisa. Ukongeza, iintetho kwinqanaba eliphezulu malunga mali ezinzileyo kunye nokwandisa ukunyaniseka abathengi kunye mali policyholders ezinokubakho, ngubani na kusenokwenzeka ukuba isicelo umbutho ephicothiweyo.

Ngo-2014, inkampani renkingovaya abanempembelelo "Expert RA" uye wawongwa NPF "Imvume" ranking inqanaba eliphezulu kukuthembeka - A. Kunyaka olandelayo, eli nani sele ingqiniwe logama nje ingxowa-mali iye mvume lurhoxiswe ukuba ubonelelo ngeenkonzo pension. Isiseko sigqibo we Central Bank, njengokuba umthetho, kukwaphula inyala iimeko-mali yomhlalaphantsi kwesivumelwano inshorensi - ukunqongophala coverage zemali, ngokubonelela iintlawulo elizayo abagcinisa abo wayaleza indexation kwiinkampani pension lokonga, izikhalazo ezivela kwabenzelwa iinkonzo, ukudluliselwa ilibasiza ulwazi malunga nkampani.

nkqubo ye Fund yokwandisa iinkonzo isebenzayo ijolise ngqo ekutsaleni abatyali ezintsha nangayiphi na indlela, apho malunga NPF "Imvume" review becala negative.

kwiingxelo zabantu NPF "Imvume"

Ngokungafaniyo nezinye iimali, ukunika ulwazi kubatyali-mali kuphela kutyelelo zobuqu lwamasebe okanye nge e-mail, ingxowa non-governmental "Concord" unalo ufikelelo channel ekude ukuba iklayenti imali yomhlalaphantsi - "Pension Terminal" sandla.

Ukuze ufumane ulwazi umdla malunga imali yomhlala phantsi, izigulana ezo kufuneka ubhalise kwi-website SPF, ukugcwalisa ulwazi oluyimfuneko engabo (igama, SNILS yokundwendwela njl njl). Emva kokubhalisa umthengi online ungafumana ulwazi malunga nobume be-akhawunti. Ukongeza, umsebenzisi akanokukwazi ukuqhagamshela SMS-newsletter eya kwazisa irisithi entsha ngamnye imali kwaye i-akhawunti kutshintshwe. Abatyali ukuba lo gama iguqulela inxalenye inkxaso wafumana ikhadi ukungena "Pension Terminal" evela kwingxowa-mali, isiqulatho nkonzo. Oku ityala ezinqabileyo apho kwimisebenzi NPF "Imvume" ncomo umthengi baba zengcebiso endalweni.

Imbono evela ngaphakathi. Sebenza NPF "Imvume"

Umsebenzi kuyo nayiphi na inkampani enkulu ukuba sixakekile kwezentengiso imveliso labemi, ikakhulu ijolise ekwenzeni inzuzo kunye nokwanda kwenani abathengi abatsha. mali yomhlala-phantsi yabucala - akukho ngaphandle.

Kwi-Internet, ukongeza namabango abatyali lixhoba, ukuze ukuhlangana babesakuba ngabaqeshwa izimvo NPF "Imvume". Ingxelo evela abasebenzi kwimisebenzi zenkampani zingqamane ngokoluvo umxhasi - umgaqo-nkqubo ongqongqo umtsalane, ukwanda ngayo nayiphi na indlela yentengiso-inshorensi (kubandakanywa ngokusebenzisa inkohliso) kwinani r kunye nee-NGO, inzaliseko ngokungagungqiyo iithagethi. Ngokutsho amagqabaza abaphathi kunye inshorensi, ulawulo inkampani akazinanze yonke ngaphandle yoyilo yeemveliso ezintsha. Akukho ngxaki zempilo okanye iimeko ntsapho eziye iimeko kwimeko non-inzaliseko yokuthengisa for the NPF "Imvume".

agents nemibono linye: umsebenzi kwinkampani muncu, efuna ntshikilelo, ikratshi, ubuchule ukukhuthaza inkonzo nakwabo abaxumi abo akanamdla kuyilo yayo yathi ngqo oku. Ukongeza kwisibhakabhaka kakhulu yangaphakathi - ulibaziseko rhoqo yintlawulo kunye neebhonasi ngenxa nokugqitywa kweemvumelwano, ukungabikho kweziqinisekiso kunye nenkxaso evela ubunkokheli, ukunganeliseki yokuziphatha kunye nomsebenzi wakhe.

Ngumtya T, okanye njani NPF "Imvume" kwandiswa flow client

Ukususela ngo-2010 (kunye ekuqaleni intengiso esebenzayo yeemveliso ezintsha kunye nemisebenzi ye-arhente ukuba enze izicwangciso ezinkulu ukukhuthaza imigaqo-inshorensi) kunye nezimvo ezikhoyo saver kuvela kwi-Internet, apho abaphathi lazuza kwanyanzeleka ukuba ukudlulisela igalelo lwe pension operatives kunye NGO "Imvume" (NPF) . Izimvo zabantu ukukhohliswa malunga inkampani ngokuvumelana wathembisa neeklayenti kunye zifana emangalisayo ukuphinda omnye yaye umbala elibi kakhulu.

Ekubeni wendlela ukunyaniseka ukutsala inani elifunekayo ngabathengi zikulungele ukuba udluliselwe kwinkampani langaphandle ipolisi ngaphaya ayisebenzi, i-arhente ezininzi esebenzayo ziye iphuhlise isicwangciso ekhethekileyo yaba yimpumelelo yorhwebo enkulu ukuba inkampani, kodwa i nkohliso minikelo ngenxa abatsha abathatha inxaxheba kule program. Uluvo apha ngolu hlobo lulandelayo: arhente inshorensi phantsi ngesebe yabasebenzi Pension Fund ukwenza ucango-esa, enyanzela abanini ukukhupha ikhadi ukungena "Akhawunti Yam" RF Pension Fund. Ngokutsho legend, "ukudlula" oku kule ndawo aye esisinyanzelo kwi-ofisi FIU ukuba bonke abathengi, yaye ixesha elide, kodwa ngenxa yesizathu esithile oko akwenziwanga. Emva koko ukuba utyikitye iipakeji amaxwebhu, kuthiwa eqinisekisa kunikezelo eli khadi, kunye nabasebenzi isiseko wazama yesundu off iikhontrakthi kwi neze bengazimisele umzuzwana, umtyali-mali ukuba wayengenalo ithuba ukufunda kuyo. Fumana utyikityo lwakho oyifunayo, iiarhente bafuna ngokukhawuleza kangangoko kunokwenzeka ukuze basinde.

Ngenxa yoko - ikopi yesivumelwano (kwaye akukho ikhutshwa bonke abaxhasi) kunye neNgxowa-mali, hayi inombolo yefoni ngoku umqeshwa, imvo inkohliso nokuphoxeka kunye nezimvo ezingalunganga ngemisebenzi inkampani "Imvume" (izimvo iiforam kunye newebhusayithi kumhlalaphantsi abemi Russian).

Enye legend - lzhetrudoustroystvo

Ukongeza kule amabali zabatyali yaqhathwa ngendlela nyebelele bavumelana ukuba ukufudukela ngqo NPF kwindlu yabo, i-Internet inika kakhulu izimvo ngomxholo yesixhobo aluphumelelanga ukusebenza xa ulwamkelo amaxwebhu afunekayo ukuze afudukele NPF "Imvume". ncomo kuMthengi linye: imfudumalo, ukulungiswa zokusebenza amaxwebhu, kusolwa ebonakalalisa ingqesho, i wathembisa 'iintaba yegolide ". Kwaye kunokuba yonke le - ingxelo ye transfer inkqubo operatives kwingxowa-mali yomhlalaphantsi.

Ngamanye amazwi, ukuba icebo ubuqhophololo entsha, olusekelwe phezu umnqweno labasebenzi zinako ukuba ukhethe ukhetho olufanelekileyo kubo (njengokuba kwi ntengiso ngokuyimfuneko ukubonisa kuphela neemfuneko ezifanelekileyo zomsebenzi). Njengomgaqo, abathengi amathandabuzo malunga ukuchaneka isenzo sakhe zenzeka ngokukhawuleza emva kokushiya ofisi, xa ezandleni yesivumelwano edume unawe NPF "Imvume". Nemibono efana kakhulu enye kwenye, nto leyo Akukho mathandabuzo malunga nento ukuba nje isiganeko ekwanti, kwaye nokuphuhlisa isicwangciso ukutsala abagcinisa ezintsha, asivelanga.

Njengoko agents safumana iikopi zamaxwebhu ukusuka umxhamli uye NPF "Imvume"?

Echaza imisebenzi NPF "Imvume", ncomo abantu bakhonza ngulo mali engekho phantsi kukarhulumente, uya kufumanisa ukuba yonke into ikhomba ukuba ukuba kwenziwe isivumelwano kunye arhente bathatha imifanekiso amaxwebhu yefowuni yakho, ngokukhawuleza kangangoko kunokwenzeka ukuba basayine imvumelwano neSebe a client entsha. Oko kukuthi, umtyali-mali yaba imizuzu embalwa kuphela nokuqonda kwenzeka ntoni, yaye ukuba ngeli xesha elifutshane, akazange abe ixesha bana phandle oko yayingako imiqondiso, inxalenye ngemali imirhumo elizayo zidluliselwe yasuswa kwi-ofisi NPF, yaye emva ngumxhasi isiqinisekiso (obizwa SMS-ikhowudi ye umqhubi, njengoko ngakumbi ngaphandle ukuqonda ukuba kwenzeka ntoni) ukudluliselwa lokugqibela kwinkampani yolawulo yomhlalaphantsi yabucala.

Njani na utshintsho ukusuka FIU kwi nkampani non-karhulumente 'Imvume "?

Emva kokusayina la maxwebhu, engqina utoliko lekhontrakthi operatives NPF, kubaxhasi sasixhalabele ngaphezu kwexesha njani na utshintshelo lokugqibela kwenye ingxowa-mali. Ngokuba zonke iinkampani zabucala (iinkampani zolawulo, iimali non-karhulumente, kuquka i "Imvume" (NPF), ncomo kuzo kubonisa ukungabi nalwazi malunga nendlela ukudlulisela inxalenye inkxaso ye pension) imigaqo efanayo kunye nendlela transfer of yomhlalaphantsi: emva kokuthumela izivumelwano ezisayiniweyo iklayenti, kunye iikopi zamaxwebhu zakhe iintsuku ezimbalwa phambi kokuba inkqubo operatives inxaxheba kufuneka ubize umqhubi uze ucele nasekuziqiniseni kwam umnqweno ukutshintsha le ngxowa-mali. Njengoko isiqinisekiso kuya kufuneka kwakhona ukuba ukhankanye data uxwebhu (SNILS kunye zokundwendwela) kunye nekhowudi okhethekileyo oza ngohlobo lwe-SMS-imiyalezo emva kokungena ulwazi malunga umphathi client entsha.

Ngaphandle ukuqinisekiswa okanye kwimeko ukusilela ukunika ingcaciso eyimfuneko inxalenye inkxaso ye pension ziya kuhlala umsebenzi kwi-mali odlulileyo. ulwazi Nangona kunjalo, i-Internet ishicilelwa kumatyala sokuhambisa zibonwe ukuya kwenye NPF ngaphandle ubophelelekile ukuba azise ukuba (xa umxhasi akavumelani) kukwaphula phezu inxalenye kumxhamli, kwaye mayibonwa njengemisebenzi nje yokongezelela ubuqhetseba. Ukufuduka ngale ndlela kwenziwa kuphela xa ukuhlehla data yomthengi arhente inshorensi ubuqhophololo, ekhomba inombolo yefowuni apho isaziso kufuneka beze, ikhadi lakho leSIM, okanye naliphi na igumbi ekhoyo (ngokucacileyo hhayi ukuya abagcinisa).

Engekho phantsi kukarhulumente fund "Imvume": ukupheliswa

Ngubani agents inshorensi lazuza kwanyanzeleka ukuba ukudlulisela awo zabo umhlalaphantsi fund enye ukuya kwenye, emva kokubona oko kwenzeka kwangoko unomdla imibuzo malunga indlela yokufumana phandle NPF "seMvume" kukuba lokuphelisa isivumelwano kwi inguqu kwi NPF.

Phambi kokuba ukuphakuzela balilahlela phandle izinto ezingakhiyo kubasebenzi Mbizeni-iziko, umtyali-mali kufuneka uqinisekise apho iimali pension ngoku sokuzuza yayo. Ukuze wenze oku, tsalela le nombolo yoncedo FIU alawule iinkcukacha zamaxwebhu (yokundwendwela kunye SNILS). Ngokuqhelekileyo, uguqulelo kwi NPF unako ukusebenza kuphela emva koqinisekiso yi-nxaxheba kule nkqubo, ekufuneka ngokuba ikhowudi ye-SMS-imiyalezo kunye nolwazi olufanelekileyo (ngaphandle kwezi meko zikhankanywe ngasentla obuqhetseba ngakwicala labasebenzi NPF). Ukuba akukho isaziso kwifowuni umthengi ukuba sifunyenwe, okanye xa ufowuna evela specialist, akazange avume ukuhamba, inxalenye numbers lweentlawulo zomhlalaphantsi elizayo iya kuhlala-mali odlulileyo.

Ukuba umxhasi kusekho ixesha ukuqinisekisa inguqu, iminikelo yayo iya kudluliselwa kwinkampani solawulo kunye kwikota yoku-1 kunyaka ozayo, yaye phambi kokuphela kwexesha iza kuqhutywa kuthathelwa ingqalelo indexation we inzuzo yangoku nkampani. Ngako oko, emva kokuba verification, kwimeko ukuthingaza ukuya kwingxowa-mali omtsha, kuyimfuneko ukuba isicelo kwiSebe RPF, uzakubuyela ukuguqulela imali yabo kwi isicelo efanelekileyo. Nangona kunjalo, kufuneka kukhunjulwe ukuba ekuqaleni kwekota yoku-1 kunyaka olandelayo, ingxelo, lowo ubefike kuqala, kwaye aya kwamkelwa. Ngako oko, kukho umngcipheko ukuya kwenye inkampani, ukuba isicelo ithunyelwe kwangethuba. Ukongeza, phantsi komthetho yabemi Russian Federation unalo ilungelo lokutshintsha ingxowa-mali yomhlalaphantsi ayikho ngaphezulu kwe-1 xesha kunyaka ngamnye.

Ngoko ufuna ukuba siqhawule lonke unxibelelwano kunye NPF "Imvume"? Indlela lokuphelisa isivumelwano, ukuba siya le ngcaciso ilandelayo: Ungenza ukubuyiselwa inxalenye inkxaso (ngokuxhomekeke kutsha nje yamabanjwa) ngokubhekiselela website esemthethweni ye nkampani. Noko ke, ngokunxulumene ekucinyweni wephepha fund mvume kwi Iwebhu asiyihlaziyanga, ngokulandelelana, inkqubo yenguqu ukuza kuthi ga ngoku ayikho efanelekileyo.

NPF "Imvume": njengoko "inciphisiwe" inkampani elungileyo

Zokufuna ukuba ukunyuka elungileyo kwi pension yabo, abantu ukusebenza, nto leyo inxaxheba unomdla imo akhawunti zabo kwi Pension Fund, uzama ukwandisa iintlawulo urhulumente elizayo ukususela ngo-2006. Kwinguqu esa NPF kubathengi ezininzi ekuphela kwendlela ukufumana iinzuzo ephucukileyo kwaye alupheleli na iindleko zemali ebudaleni.

NPF "Imvume" xa nisaqala komsebenzi yayo ephambili engundoqo olwaneliseko lwabathengi kunye nomgangatho wenkonzo isiqinisekiso imbuyekezo eliphezulu abulawe. Eneneni, indexation onjalo (kwama-30% ngonyaka) ayikwazanga ndoqhayisa nayiphi na ingxowa-mali yomhlalaphantsi. Noko ke, ngenxa yokuba umnqweno kwamkela ngaphezu abanazo, baboyisa "ekunene" indlela yophuhliso kwaye kwakhokelela ekubeni yokuba iikhontrakthi ukuze kuguqulwe umhlala-phantsi waqalisa ukuba lugqitywe ngo inqwaba. Ndifuna inkampani wakhula, inani labathathi-nxaxheba landa ngokucacileyo, kodwa bambalwa baye benza lenguqu ukuya NPF ngokunokwabo.

Izoyikiso ndidanile kwaye nithethe ndingavumelani siseko akhohlisayo-arhente kwakhokelela ekubeni kwisalathiso umthengi ukunganeliseki gqolo ukunyuka, yaye umphumo livela kwi site ulwazi yenkxaso engaphezulu. Izimvo labathengi yaqhathwa kumsebenzi womnatha kuqhubeka ukuvela, yaye ngoku, njengoko umsebenzi-mali isagquba. Ngubani na obange kule meko?

Okokuqala, ukuze kuqukunjelwe imvumelwano kumanani amakhulu, nangona ukuthingaza abathengi, iiarhente-inshorensi kufuna ulawulo ethande, ngenxa yazo, iinjongo namabhongo, ezikhuthazayo abasebenzi premium kunye neebhonasi ezongezelelweyo. Kodwa xa kusenziwa ucime okwahlukileyo - arhente ziye ukukhohliswa yinkampani yakhe, nto leyo eye ngokuphindaphindiweyo ukuba delay zemivuzo kunye nokwala ngqiqweni ukuba ahlawule.

Okwesibini, kukho ukhuphiswano enkulu kwimarike yepension i kukhokelela kukuba mali yabucala banyanzelwa ukuba basebenze kumgaqo "inamandla baya kusinda", ngoko ukuze uhlale lezimali, belangazelela yogqithe izitha zakhe, benza iinkqubo pension yequmrhu imibutho yonke okanye ezifundisa iimeko jasmay ( isivuno enkulu iminikelo ezongezelelweyo ngenxa bumabumela, umsebenzi).

Ukusebenza labemi, ngubani na xa ebona ukuba isiphelo iminikelo zazo zokhuseleko loluntu elizayo, ngoku kufuneka ukuba uqinisekise ukuba yintoni le nkampani kuya kuba phantsi. Kwaye xa ukhetha-mali, ingqalelo ekhethekileyo kufuneka ihlawulwe kwi amava ngokuqinileyo, ezireyitha nenkoloseko, ncomo yomthengi inani lawo elipheleleyo. Akukho mfuneko yokuba abe "uhlobo cwaka", woyika ukuhlala ngaphandle pension kwixesha elizayo - urhulumente uqinisekisa iimvavanyo zokhuseleko nge inkqubo yokhuseleko, kwaye izinga lokubuya FIU usezantsi kakhulu NPF.

Kodwa musa siwele tricks scam, eyagcina arhente NPF "Imvume", aze asayine amaxwebhu ungxamile, ngaphandle sifundo okanye xa ukuthandabuza xa ukunyaniseka umphathi. akayi kuba na ezimnandi kakhulu, kwaye isicelo ngokwakho, ndayihlela yonke imiba kunye iinkalo engekho phantsi korhulumente-Fund, kunzima yaye ayisayi kuthatha ixesha elininzi - Ukuphelelwa ngumdla ethe kwaye uhamba abaphathi-mkhosi.