Assurance na ajiya a bankuna - nasihu don inshorar ajiyar mutane + jerin bankunan TOP-5 da aka haɗa a cikin tsarin inshorar ajiya na tilas

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Barka da rana, ƙaunatattun masu karanta Hasken Rayuwa mujallar kuɗi! Wannan batun zai mai da hankali ne kan inshorar ajiya, yadda tsarin inshorar ajiya na mutane ke aiki, menene adadin diyyar ajiya a bankunan Rasha a wannan shekara.

Af, shin ka ga yadda dala ta riga ta kai darajar? Fara samun kuɗi akan banbanci a canjin canjin anan!

Bayan nazarin labarin, zaku gano:

Menene inshorar ajiya kuma ta yaya wannan tsarin ke aiki;
Menene Kamfanin Inshorar Inshorar ajiya kuma waɗanne ayyuka take yi;
Nawa ne jarin inshorar don ajiyar bankunan Rasha a yau;
Menene shawarwarin da masana suka bayar game da inshorar ajiyar mutum.

A cikin wannan littafin zaku kuma samu jerin 5 mashahuran bankunashiga cikin tsarin inshorar ajiya (CER), da wa'azi, wanda zai taimaka muku samun kuɗin ku a yayin taron inshora.

A al'adance, a ƙarshen labarin, muna amsa shahararrun tambayoyin daga masu ba da gudummawa kan batun bugawa.

Muna ba da shawarar duk wanda ke shirin bude ajiya a banki ya karanta labarin da aka gabatar. Ba zai zama fifiko don sanin kanka da shi da waɗanda ke nazarin harkar kuɗi ba.

Menene inshorar ajiya na tilas, ta yaya tsarin inshorar ajiya na mutane ke aiki, menene jerin bankunan da aka hada a cikin DIS, da kuma adadin kudin inshorar inshora na ajiya a bankunan Rasha - karanta wannan labarin

1. Menene inshorar ajiyar banki - bayanin ra'ayi 📃

A cikin Rasha, da ma a cikin ƙasashe maƙwabta, ana ajiye su a bankuna waɗanda su ne mafi mashahuri hanyar saka hannun jari don kiyaye su.

Kar ka mantawannan ajiyar yana taimakawa kare kudade daga tasirin cutarwa kumbura, da daga barayi kuma Bala'o'i... Bugu da kari, a wasu yanayi, adibas ya kawo, kodayake karami, amma har yanzu kudin shiga.

Godiya ga ci gaban fasahohin zamani, gudanar da harkokin kuɗi ya zama mafi sauƙi kuma mafi dacewa. A yau, ba kwa buƙatar barin gidanku don gudanar da ajiyar ku. Dukkan ayyukan ana aiwatar dasu ta hanyar majalisar zartarwa akan gidan yanar gizon banki (a cikin yanayin kan layi).

Don karɓar fansho ko albashi, ba za ku sake tsayawa a layi a cikin sashen lissafi ba da kuma a gidan waya. Ana sanya kuɗin a asusu na mutum. A lokaci guda, ingancin kuɗi zai haɓaka sosai idan albashi ko katin fansho.

Koyaya, a cikin yanayin matsalar tattalin arziki, amincewar jama'a ga bankuna galibi yana faɗuwa. Don kara shi da kuma tunzura ‘yan kasa su kirkiro sabbin kwangiloli da sanya jari, jihar ta bunkasa tare da aiwatar da wani shiri da aka tsara don tabbatar da kare jarin‘ yan kasa.

Babban aikin tsarin inshorar ajiya (CER) shine tabbatar da cewa yan ƙasa sun karɓi kuɗi yayin taron inshora. A takaice dai, idan aka soke lasisin cibiyar hada-hadar kudi don gudanar da kasuwanci saboda kowane irin dalili, masu ajiya za su iya karbar kudaden da aka sanya a cikin asusun banki.

A cikin ƙasarmu, dokar inshorar saka hannun jari ta kare duk ajiyar kuɗi mutane... Dangane da aiwatar da ƙa'idodi, ma'aikatar bashi tana da ikon ƙulla yarjejeniyar ajiya tare da 'yan ƙasa na musamman batun kasancewa cikin shirin inshorar ajiya.

Aikin shirin kare kudin ajiya ya baiwa jama'a damar samun kwarin gwiwa cewa ba tare da la'akari da halin da ake ciki ba, zasu dawo da kudadensu. Saboda wannan, masu ajiyar kuɗi ba za su ƙulla wasu ƙarin yarjejeniyoyi ba. Asusun inshorar adibas ɗin da aka yiwa rajista a cikin kamfanin da ke halartar shirin ke gudana ta atomatik lokacin yin kwangila.

Masu saka jari su san mahimmancin shirin - iyakar adadin diyyakan faruwar wani abin inshora daga 2015 na shekara shine 1,400,000 rubles... A baya can, girman adadin inshorar ya ninka sau biyu ƙasa - 700 000 rubles.

Yana da muhimmanci a sani, cewa matsakaicin adadin inshora yana nufin jimlar adadin adadin kuɗin da aka buɗe a cikin wani keɓaɓɓiyar cibiyar bashi don daya ɗan ƙasa.

A lokacin zuwa tsarin inshora na ajiya (ko gajartawa) CER) a kan yankin Tarayyar Rasha ya shiga game 900 kamfanonin kudi... Koyaya, kafin buɗe ajiya tare da cibiyar bashi, wanda mai ajiyar kuɗi bai san komai game da shi ba, zai fi kyau a tabbata cewa ta shiga cikin CERs.

Akwai ƙarin fasali na shirin inshorar - daidai da dokokin yanzu, ba duk asusun da aka buɗe ke da kariya ba.

Masu saka jari su sani cewa ba su da inshora masu zuwa:

adadin da ya wuce kudi 1,4 miliyan rubles;
adibas da aka yi cikin kuɗin lantarki;
asusun da aka buɗe a cikin ƙananan ƙarfe;
wuraren da ba a san sunan su ba;
adibas da aka sanya a rassan cibiyoyin bashi na kasashen waje;
kuɗaɗen da aka canja zuwa amana.

Koyaya, gaskiyar cewa ba'a sanya rukunin asusun da aka ambata a cikin inshorar dole ba yana nufin cewa ba za a iya dawo da irin waɗannan kuɗaɗen ba. A zahiri, duk ya dogara da yadda za ayi nasarar cinikin dukiyar ma'aikatar bashi.

Aungiyar ƙasa ta musamman wacce aka kirkira tana aiwatarwa da biyan diyya mai zuwa ga masu ajiya. Yana da suna Asusun Inshorar ajiya.

Lokacin biyan diyya, ana kiyaye wani fifiko:

da farko dai an mayarda kudi mutane;
na biyu, ana biyan kuɗi kowane dan kasuwa;
a mataki na gaba, ana biyan kuɗi don adadin da ya wuce adadin inshorar – 1,4 miliyan rubles;
kawai a ƙarshen, idan kuɗi ya rage daga sayar da kadarori, za a biya ƙungiyoyin shari'a, masu riƙe da asusun ƙarfe da sauran saka hannun jari ba batun inshora.

2. Ta yaya tsarin inshorar ajiyar mutane ke aiki - manyan ayyuka da aikin aiwatar da CERs 📋

Tsarin inshorar ajiyar na aiki azaman tsari na musamman da jihar ta haɓaka don kare kuɗin da byan ƙasa suka sanya a bankunan Rasha. An ƙaddamar da shirin inshora a 2004... Babban dalilin ci gabanta da aiwatarwa shi ne bukatar nuna iko kan ayyukan bankunan.

A farkon 2000- yawancin cibiyoyin bashi sun yi fatara, wannan tsari ya zama gama gari. A lokaci guda, rashin amincewar jama'a ga bankuna ya karu, kuma yawan adadin da aka bude a karshe ya ragu.

Jiha na da bukatar kare kadarorin ‘yan ƙasa domin ƙara sha'awar ta a asusun banki. Duk wannan ya haifar da buƙatar shirya tsarin inshora na tilas... A takaice, ana kiran wannan shirin sau da yawa CER - tsarin inshora na ajiya.

Bankunan da suka zama mahalarta a cikin tsarin inshorar an ba su izinin kulla yarjejeniyar ajiya tare da 'yan ƙasa. A lokaci guda, an wajabta masu canja wurin wani ɓangare na abin da suke samu don ƙirƙirar su Asusun inshora na tilas.

Tun daga farkonta, shirin inshorar ya nuna sakamako mai tsanani:

gano ƙarin 100 abubuwan inshora;
jimlar biya da aka yi fiye da biliyan 80;
karin neman diyya 400 000 'yan ƙasa.

A zahiri, tsarin inshorar ajiya ba na musamman bane. Irin wannan shirye-shiryen sun wanzu a mafi yawan jihohin wayewa.

Babban manufofin tsarin inshorar sune:

tabbatar da dorewar bangaren banki;
hana fargaba tsakanin 'yan ƙasa yayin rugujewar cibiyar bayar da bashi;
kara karfin gwiwa na daidaikun mutane a tsarin kudin kasar.

Tsarin ka'idar inshora mai sauki ne:

mai ajiya ya tara ajiya a banki daidai da ka’idojin da aka kafa;
an sanya hannu kan yarjejeniyar ajiya, ba a bukatar wasu karin yarjejeniyoyi don kammalawa don inshora, banki da DIA (hukumar inshorar ajiya) sun warware wannan matsalar da kansu;
a kowane kwata-kwata, cibiyar bayar da bashi ta canja zuwa asusu na musamman 0,1% na adadin duk adadin da aka bayar.

Ya zama cewa lokacin inshorar masu saka hannun jari, masu ajiya ba zasu biya bashin inshora ba, bankunan da kansu suke yi musu. Idan abin inshora ya faru, an haɗa aikin ASV... Ayyukan wannan ƙungiyar sun haɗa da mayar da kuɗin ajiya ga masu ajiya gaba ɗaya.

Ka'idar tsarin inshorar tilas na adana mutane a bankunan Tarayyar Rasha

Abubuwan inshora sun hada da yanayi lokacin da babban banki janye ko sokewa lasisi cibiyar bashi. Mafi yawanci wannan yakan faru ne a cikin yanayin da kamfanin bada bashi ya kasa cika alƙawarinsa ga abokan cinikin da suka sanya ajiya anan, saboda tsawan matsalolin tattalin arziki ko fatarar ƙarshe.

3. Kamfanin Inshorar Inshora (DIA) - menene shi kuma menene yake yi? 📑

Kamfanin Inshora na Asusun ajiya (wanda aka taƙaita DIA) kungiya ce ta gwamnati wacce ke da alhakin kiyaye daidaiton tsarin kudi a cikin jihar. Asusun DIA an kirkireshi ne daga kudaden da cibiyoyin bashi ke canzawa lokaci-lokaci.

Kamfanin Inshorar Inshora (DIA) wani kamfani ne na ƙasar Rasha wanda aka kirkira don samar da tsarin inshorar ajiya (DIS) a cikin 2004

Hukumar tana da 'yancin ta cire kudaden da aka karba daga bankuna kamar haka:

tara;
biya masu ajiya a matsayin diyya idan wani abin inshora ya faru;
saka hannun jari domin samar da karin kudin shiga.

Zuba jari yana baka damar kirkira ajiye, wanda ana buƙata a cikin yanayi lokacin da yawan buƙatun masu ajiya suka ƙaru sosai.

Wani aikin ASV shine kungiyar sayar da kadarorin banki idan akwai shi malalar ruwa ko furci fatarar kuɗi... Za a yi amfani da kudaden da aka samu yayin aiwatar da waɗannan ayyukan don gamsar da da'awar 'yan ƙasa da ƙungiyoyi waɗanda ke bin bashin bankin da ya durƙushe.

Aikin DIA ba wai kawai kare bukatun masu ajiya bane, har ma ƙirƙirar yanayi don cinikin banki mai nasara... Rasha ce ke tsara ayyukan Hukumar Gwamnatikazalika da wakilai Babban Bankin.

4. Jerin bankunan TOP-5 da aka saka cikin tsarin inshorar ajiya a bana 📊

Yawancin bankunan Rasha sun shiga tsarin inshorar ajiya. Duk da cewa jihar ta kare abubuwan ajiya, halin da ake ciki na faruwar lamarin inshora koyaushe bashi da dadi ga masu ajiya.

Da ke ƙasa akwai jerin Bankunan TOP 5, wanda aka haɗa a cikin tsarin inshorar ajiya, wanda, a cewar, ƙwararrun masana suka ce, kuɗi suna ƙarƙashin mafi amintaccen kariya da kuma ƙimar fa'ida mai fa'ida kan ajiyar.

1) Alfa-Bank

Alfa-Bank ya kasance cikin nutsuwa ta kwararru a cikin TOP na cibiyoyin bashi na Rasha. Wannan kamfani yana da wakilci a cikin ƙasar - yana da ɗaruruwan rassa, dubban ATMs, da kuma rassa da yawa.

Daga cikin mutane ajiya a Alfa-Bank suna daga cikin shahararrun mutane. Bankin yana ba da fa'ida mai riba tare da haɓakawa, haɓakawa da tsawaitawa. Mun rubuta game da abin da keɓantaccen adadin ajiya yake a cikin labarin ƙarshe.

Alfa-Bank ya kasance memba na wannan shirin tun bayan kafa CER. A matsayin ɗayan mafi kyawun cibiyoyin kuɗi, wannan kamfani ya sami lambobin yabo da kyaututtuka na duniya da yawa. Independent rating hukuma "Gwani" an sanya banki mafi girman darajar - A ++.

2) Gazprombank

Gazprombank shine ɗayan manyan cibiyoyin bashi a Rasha. Tana aiki ne ƙarƙashin taken: A kan sikeli na ƙasa - don bukatun kowa... Gazprombank na ɗaya daga cikin bankunan guda uku da ke da tasirin gaske a Rasha.

Wannan cibiyar bada rancen tana hidimtawa manyan kamfanoni a Rasha, kuma tana da rassa a cikin kasashen waje da yawa (mis, a cikin Armenia, Kazakhstan, Belarus, Switzerland). Godiya ga irin wannan babbar hanyar sadarwar, Gazprombank a yau yana aiki Kara 4 000 000 masu ajiya.

3) VTB Bank na Moscow

Riƙewar ya haɗa da yawancin ƙungiyoyin kuɗi (a wannan lokacin akwai riga Kara 20). Rukunin Kamfanonin VTB yana aiki a cikin kasuwannin Rasha da na ƙasashen duniya. Yana da babban abin dogaro da cancanci amincin abokin ciniki.

Kamfanin riƙe bankin da aka gabatar yana ba da sabis na sabis daban-daban ga mutane da ƙungiyoyin shari'a. Wadannan sun hada da:

adana kuɗi;
lamuni;
inshora

Ofaya daga cikin masu hannun jarin wannan cibiyar bada rancen shine gwamnatin Rasha.

4) Bankin B&N

An kafa bankin B&N a 1996, yau ya bude Kara 500 rassa duk kewayen Rasha.

Creditungiyar bashi ce mai zaman kanta kuma ta riƙe kanta a matsayin ɗayan amintattun bankunan Rasha. An tabbatar da wannan matsayin ta ƙimar da aka baiwa cibiyar daraja. Rashanci, da hukumomin kimantawa na duniya.

Bankin B&N koyaushe yana ƙoƙari ya haɗa ƙwarewar, gami da na kungiyoyin lamuni na ƙasa da ƙasa, tare da keɓaɓɓun kasuwannin kuɗin Rasha. Kasancewa cikin CERs yana ba da tabbacin cewa duk ajiyar da aka yi tare da bankin da aka yi la'akari za a sami inshora.

5) DeltaCredit

Babban kwarewar wannan banki shine lamuni na lamuni... Hanyar mutum zuwa ga kowane abokin ciniki, da kuma saurin saurin warware kowace matsala, sun haifar da shaharar banki tsakanin yawan jama'a.

Babu shakka duk ayyukan mutaneda aka gudanar a cikin DeltaCredit suna da inshora.

5. Menene matsakaicin adadin inshorar inshora don ajiyar a cikin 2020? 💸

A cikin 2020, mahimman ka'idoji na inshorar ajiyar tilas ba zai canza ba. Shirin zai gudana daidai kamar yadda yake a da. A halin yanzu, masu ajiya suna damuwa game da adadin inshorar akan ajiyar banki. Anyi bayanin wannan a sauƙaƙe: kwanan nan, an hana cibiyoyin bashi da yawa lasisi.

Dokar ta yanzu tana tabbatar da cewa idan bankin ya cire lasisi don ayyukan kudi, mai inshorar ya biya masu ajiyar kudaden da aka sanya a kan ajiya gaba daya. Amma akwai faɗakarwa ɗaya - matsakaiciabin da zaka samu na inshora shine 1,400,000 rubles.

Idan mai ajiyar ya sanya makudan kudade a banki mai fatarar kudi, za'a biyashi inshorar sannan a saka jerin gwano... Lokacin da aka sayar da kadarorin kuma aka biya bashin layin farko na masu bin bashi, idan kuɗin ya kasance, za a samar da su kari... Saboda haka, yana da kyau a ajiye a cikin banki ɗaya babu kuma 1,4 miliyan rubles.

Ya faru cewa mai ajiya yana da asusu da yawa da aka buɗe a banki ɗaya. Idan aka soke lasisin, za a lissafa adadin kudaden da aka ware musu. Idan sakamakon ya wuce iyakar adadin diyya, za'a biya mai ajiya kawai 1.4 miliyan rubles, yayin da aka rarraba adadin adadin diyya a tsakanin duk asusun daidai gwargwadon girmansu.

Babu shakka ana biyan kuɗi a cikin rub, ko da a cikin yanayin da aka buɗe asusun a cikin wani waje. Daga lokacin da abin ya faru inshora har zuwa karɓar kuɗi daga ɗan ƙasa, zai iya wucewa game da 3-6 watanni.

Duk da cewa babban makirci da adadin biyan a shekarar 2020 sun kasance iri ɗaya, ana iya bambanta canje-canje da yawa idan aka kwatanta da shekarar da ta gabata.

Tsarin inshorar ajiyar 2020 yana da fasali masu zuwa:

Lokacin buɗe ajiya a cikin kuɗin waje, ana bayar da diyya a cikin rubles. A wannan yanayin, ana aiwatar da lissafi ta amfani da ƙimar Babban Bankin, wanda ke aiki a ranar rubuta aikace-aikacen biyan kuɗi;
Yanzu ba 'yan ƙasa kawai ba, har ma ƙungiyoyi na iya karɓar diyya;
Dukansu babban adadin ajiyar da ribar da aka tara suna ƙarƙashin biyan diyya.
Lokacin da ka saka fiye da 1.4 miliyan rubles mai ajiya yana da damar dawo da dukkan adadin kudin. Na farko, za'a biya shi adadin da tsarin inshorar ajiya ya tabbatar. Bayan haka, saboda fifikon fifiko, mai asusun zai iya neman wani ɓangare na kuɗin da aka karɓa yayin sayar da kadarorin banki mai fatarar kuɗi.

Bayan soke lasisin a lokacin 2 makonni nada manajan banki na wucin gadi... Kari akan haka, yakamata a nada ma'aikatar bada bashi don yin aiki a matsayin wakili wanda babban aikin sa shine biyan kudaden. Za a iya samun bayani game da wane banki ne zai fitar da kuɗi a ofisoshi kuma akan shafin wani kamfanin kudi mai fatarar kudi, kuma akan kayan DIA.

Akwai yanayi yayin da masu ajiyar lamuni na banki lokaci guda (mis, samu lamuni acan). A wannan halin, za a rage adadin diyya ta yawan bashin.

Yaya fa'ida don inshorar ajiya a banki - shawara da shawarwari ga mutane. kuma na shari'a. mutane

6. Fa'idodi masu amfani game da inshorar ajiya don mutane da ƙungiyoyin shari'a 💎

Inshorar ajiya a cikin cibiyoyin bashi hanya ce ta tilas. Koyaya, yawancin masu ajiya suna da adadi da yawa na tambayoyi game da amincin kariyar kuɗin su.

AFDuk da cewa CER ta wanzu na lokaci mai tsawo, har yanzu wasu ‘yan kasar basu sani ba cewa jihar ta kare jarin su kuma za a dawo masu da su idan bankin ya samu matsala.

Wannan shine dalilin gwani shawara game da yadda za a tabbatar da amincin kuɗinku ya kasance mai dacewa.

Tukwici 1. Bincika cewa cibiyar bayar da bashi ta shiga cikin CERs

Kafin buɗe ajiya a cikin bankin da ba a sani ba, mai ajiyar ya tabbatar cewa shi memba ne na tsarin inshorar. Abu ne mai wahala ayi hakan - ya isa a ziyarci tushen Intanet na Hukumar kuma a sami kungiyar bada lamuni a wurin.

Bai kamata ku amince da kuɗinku ga waɗancan bankunan da ba su cikin ba rajistar mahalarta CER ko kuma an cire su daga gareshi saboda wasu dalilai.

Tukwici 2. Tabbatar cewa ajiyar na cikin rukunin da ke cikin kariyar

Doka ta bayyana yawancin bangarorin asusun banki wadanda BA hada da zuwa jerin inshora. Masu saka jari su tabbatar sun san shi.

Har ila yau yana da mahimmanci a yi la'akari da cewa jihar ba kawai adadin da aka saka na farko ba ne, amma har da karuwar ribar. Sabili da haka, lokacin buɗe ajiya a cikin banki mai ban mamaki, yana da daraja ƙididdigar girman su. Ainihin, adadin da aka karɓa bai wuce ba 1,4 miliyan rubles.

Tukwici 3. Yana da mahimmanci a hankali ka bincika duk bayananka

Kafin sanya hannu kan yarjejeniyar ajiya, mai ajiyar dole ne ya bincika duk bayanansa a hankali. Wannan game da rubutu ne sunan mahaifi, sunan farko kuma patronymic, bayanan fasfo, adireshin rajista.

Bugu da ƙari, tare da kowane canji a cikin wannan bayanin muhimmanci kai tsaye ka ba da rahoton wannan gaskiyar ga cibiyar bayar da bashi. Idan ba kuyi haka ba, zaku iya kwarewa Matsaloli.

Don haka, idan mai ajiyar ya kiyaye duk shawarwarin da kwararru suka bayar, zai fi sauƙi a karɓi diyya yayin taron inshora.

7. Yadda zaka dawo da ajiya a banki wanda aka kwace lasisi - umarni mai amfani a matakai 4 📝

Idan cibiyar bashi tana da matsaloli, masu ajiyar kuɗi suna da haƙƙin nema inshora diyya... Domin samun kuɗi ya zama mai sauri da rashin ciwo, yana da mahimmanci a san abin da za a yi da kuma wane jerin.

Mataki na 1. Tattara bayanan da suka wajaba

Kwana guda bayan Babban Bankin ya yanke shawarar soke lasisi daga cibiyar bashi, za a sanya bayanai game da wannan akan gidan yanar gizon Sanya hukumomin inshora... Ana iya samun bayanai iri ɗaya ta ziyartar hanyar yanar gizo Bankin Rasha.

Babban shafin yanar gizon gidan yanar gizon Kamfanin Inshorar Inshorar (www.asv.org.ru)

Hakanan a kan shafin akwai bayanin game da wacce za a nada ƙungiyar lamuni a matsayin wakilin biyan kuɗi. Zabi bankin wakilisamar a lokacin 3 kwanaki daga lokacin da aka soke lasisin.

Yana da daraja la'akari cewa wani lokacin Kamfanin Inshorar Inshora na biyan diyya da kankaba tare da saka wakilai ba.

Amma duk da haka 7 kwanaki an ba Hukumar don sanar da masu ajiya game da lokaci da kuma wurin biya.

Bugu da kari, a wannan lokacin, an fitar da jerin sunayen ‘yan kasar da suka cancanci biyan inshorar. Ana aika wa kowannensu da wasiƙa daidai.

Mataki na 2. Aiwatar da diyya

Doka ta bayyana lokacin lokacin da mai ajiyar yana da damar neman diyya - daga lokacin abin da ya faru na halin inshora kafin ƙarshe na ƙarshe na cibiyar bashi... Lokacin iyakance ga irin waɗannan shari'o'in shine 2 shekaru.

Koyaya, idan mai ajiyar ba zai iya neman neman diyya ba a wannan lokacin don ingantaccen dalili, Hukumar za ta karɓa ta kuma yi la’akari da aikace-aikacensa. Mai yiwuwa, za a karɓi kuɗin a cikin irin wannan halin.

Mataki na 3. Rijistar aikace-aikacen

Don neman diyyar inshora, mai ajiyar zai buƙaci bayarwa sanarwa a cikin rubutaccen tsari. Samu tsari na iya kasancewa a wakilin banki ko zazzage shi daga gidan yanar gizon DIA.

Bugu da kari, kuna buƙatar gabatar da takaddun shaida. Bayan karɓar kuɗi, wakilin mai ajiyar zai buƙaci notarized ikon lauya.

Mataki 4. Samun diyya

An ware wakili don biyan diyya 3 kwanaki daga lokacin karɓar aikace-aikacen da ya dace. Amma ya kamata a tuna cewa maidawa zai fara kawai fadin 14 kwanaki bayan soke lasisin.

Akwai manyan hanyoyi guda 2 don biyan kuɗin:

a cikin tsabar kudi;
ta hanyar hanyar da ba ta kudi ba - ta hanyar canzawa zuwa asusun da mai ajiya ya nuna a cikin aikace-aikacen.

Teburin da ke ƙasa zai taimaka muku don fahimta da kuma tuna yadda ake samun kuɗin dawowa.

Jerin jeri don ayyukan mai ajiya a yayin taron inshora:

P / p A'a	Dokar	Mahimman fasali
1	*Tattara bayanai*	An sanya bayanan soke lasisi akan gidan yanar gizon DIA nan take
2	*Neman diyya*	Ya kamata ku tuntuɓi bankin wakilin, zaɓin wanda aka aiwatar sa'o'i 72 bayan faruwar lamarin inshorar
3	*Rijistar aikace-aikacen*	Ana iya samun fom ɗin neman izinin daga reshen banki na wakilin ko kuma zazzage shi daga gidan yanar gizon Kamfanin Inshorar Inshorar
4	*Samun diyya*	Kuna iya karɓar kuɗi a tsabar kuɗi ko ta hanyar canzawa zuwa asusunku

8. Tambayoyi akai-akai (Tambayoyi) kan inshorar ajiya 💬

Kowane mai ajiya yana son inganta tsaro na kudadensa. Abin da ya sa yawancin adadi na tambayoyi koyaushe ke tashi kan batun inshorar ajiya. A yau zamu yi kokarin amsa wasu daga cikinsu.

Tambaya 1. Da wace irin kuɗaɗe ake aiwatar da biyan diyya don ajiya?

A yayin taron inshora, ana biyan diyya don duk ajiyar, ba tare da la'akari da kuɗin asusun ba a cikin Rasha rubles.

Bugu da ƙari, a cikin lokuta inda aka sanya ajiyar a cikin kuɗin waje, ana lissafin adadin biyan kuɗi ta amfani Babban bankin kasamai aiki a ranar taron inshora.

Tambaya 2. Shin inshorar tilas ta ajiyar mutane ta shafi kudin da ke kan katin banki na zare kudi (gami da na fansho da na albashi)?

Katin cire kudi matsakaiciyar hanyar lantarki ce ta lantarki wacce ke ba da damar isa ga kudaden da aka sanya a cikin asusun na yanzu.

Ana buɗe irin waɗannan asusun ta hanyar sa hannu yarjejeniyar ajiyar banki, wanda a al'adance yana matsayin ɗayan ɓangarorin yarjejeniyar don batun katin banki. A lokaci guda, daidai da sharuɗɗan doka akan inshorar ajiyar tilas, duk kuɗin da aka sanya ƙarƙashin yarjejeniyar lissafi na yanzu ana la'akari da su taimako.

Bugu da ƙari, kuɗin da aka sanya a kan katunan kuɗi ba ya cikin rukunin asusun da ba sa ƙarƙashin kariyar ƙasa a matakin majalisar dokoki.

Daga yanayin da ke sama, zamu iya cewa abin da suke fada karkashin inshora tilas.

Don haka, inshorar ajiya sabis ne mai amfani wanda yake akwai ga kowane mai ajiya Irin waɗannan matakan suna taimakawa don kare kuɗi idan akwai wata matsala tare da cibiyar bashi. Wannan yana bawa mai ajiya ƙarin kwarin gwiwa cewa ba zai rasa nasa kudaden ba.

A ƙarshe, muna ba da shawarar ka kalli bidiyo kan yadda tsarin inshorar Rasha (DIS) ke aiki:

Duk da cewa inshorar ajiya a bankuna na ba ka damar dawo da kudin ka, kungiyar mujallar ta yanar gizo "RichPro.ru" na son bankunan da ka saka hannun jari su kasance masu karfin kudi.

Raba ra'ayoyinku da tsokaci kan batun bugun, tare da yin tambayoyinku a cikin bayanan da ke ƙasa.

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