Mboleko koosomashishini ngamnye kunye eziluncedo zazo ziphambili

Malunga ikho into mboleko koosomashishini ngamnye ndikuvile, mhlawumbi bonke. Ngaphandle inkqubo eziveziweyo zazo naliphi na ityala ishishini kunye nobudlelwane zemali yokuzithenga ukusebenza kuba zisekelwe kwimithetho rhwebo. Kubalulekile ukuqaphela ukuba kumazwe aphuhlileyo, nayiphi na umrhwebi ngokuyimfuneko usebenzise iinkonzo yeebhanki malunga ngetyala, kuba ngaphandle kwabo nzima ukuphuhlisa ishishini labo, kwakunye nokunatyiswa kwayo.

Ukuba sithethe ngayo ilizwe lethu, kukho kuzisola elikhulu mboleko akukho lula ukufumana ngokwaneleyo. Nangona enkulu emphakathini, mboleko koosomashishini ngamnye kunzima ukufumana. Yintoni na isizathu sokuba le meko?

Ngokuphandle ethetha, yinto ngokupheleleyo naliphi na ityala ukuba iibhanki ayinike oosomashishini, sikwancedela ngokwaneleyo, nokuba uzele endingayi kubuya ngawo. Into yokuba onke amaziko ezemali ukuba benza kunikezelo yemalimboleko, walala kuloo umyinge wenzala kwi umngcipheko mboleko lokusilela ipesenti ethile mali ezinjalo. Ngoko, kwenzeka ukuba zonke kubaboleki yesazela kuthwala umthwalo werhafu umlinganiselo, nto leyo ethatha ingqalelo iilahleko ebhankini ukusuka non-lokuhlawula imali. Ngokuqhelekileyo, ipesenti mboleko akuphumelelanga imalunga 5-6%, ngoko ke kukho umngcipheko yabiwe kubo bonke abaxhamli beenkonzo zeli yebhanki. Kodwa kutheni mboleko koosomashishini ngamnye nangoku kuba lukhuni kangaka?

yonke indawo, kuvela, lo elubala lweshishini, ngokunjalo kumsebenzi wakhe wezimali. Kakade ke, nayiphi na ibhanki kubalo yethuba yokukhupha iindlela ezinjalo sithabathela ingqalelo kuphela inxalenye esemthethweni zamashishini, kwaye kushishino banamhlanje ukuze sisinde kule kwimarike ubani ukuba afumane noba ngokungacwangciswanga. Ngapha koko, xa umgaqo-nkqubo wethu wemali kunye nenkqubo irhafu, ukuba baphile emarikeni kuphela umsebenzi ukunyaniseka akwenzeki. Kubonakala ukuba nokuba umntu impumelelo ekukhuliseni imali, ngoko ukuqinisekisa ngokusemthethweni oku kuyingxaki. Nkqu nangona ukuba oosomashishini abaninzi ezisisibambiso izindlu, asizizo zonke iibhanki singathatha ingozi.

Njengomgaqo, mboleko koosomashishini ngamnye zingafumaneka kuphela emva esilandelayo yamaxwebhu:

1. Isiqinisekiso sobhaliso.
2. Isiqinisekiso sobhaliso kunye kwiofisi yerhafu.
3. Charter lweshishini.
4. Isigqibo sokuqeshwa yomlawuli kunye accountant oyintloko.
5. Form-1 (balance).
6. Sisicatshulwa esithathwe kwirejista.
7. Form-2 (akhawunti ingeniso kunye nokuncipha).
8. Ikopi ukuqasha indawo (ukuba kuyimfuneko).
9. Nceda yokungabikho kumatyala kwi-mali.

Nangona zonke iingxaki ezinxulumene uyilo, iibhanki emininzi ukuhlangabezana abathengi bethu unyuse uluhlu olubanzi amacebo kunokwenzeka ngetyala. Yomboleki yeentengo zemboleko koosomashishini ngamnye akuxhomekekanga nje kuphela kunikezelo mali phantsi scheme: ukuvulwa akhawunti - transfer Imali. Uninzi lwawona maziko zemali namhlanje Mabasebenzise inkqubo ingqesho kunye kahle njengenye. Ngenxa yoko, usomashishini osakhasayo kusekho lifumana imali kuphuhliso loshishino Bank wabeka umdla yayo.

Ngoko, xa kuhlalutywa yonke kunokwenziwa isigqibo sokuba ngasentla ukuba nokungeniswa namhlanje asasebenza eRashiya. Noko ke, siboleka oosomashishini zabucala kuye kwacotha ngaphezu kokuba sithanda. Kuyathenjwa ukuba umgaqo-nkqubo wezemali karhulumente wethu, kwakunye nemithetho elawula umsebenzi loosomashishini, kuba kukuqala, nto leyo ishishini omncinci kuba nakho ukuphuhlisa ngaphezulu kokuba sisenza