Yadda ake buɗe IIS Tinkoff, yanayi, jadawalin kuɗin fito, yadda ake samun raguwa

Zuba hannun jari ta amfani da asusun saka hannun jari ɗaya ɗaya ne daga cikin hanyoyin da za a iya saka jari yadda ya kamata. Yawancin bankuna suna ba da damar buɗe IIS. Daya daga cikinsu shine Tinkoff-Bank. A cikin wannan labarin, za mu magana game da abin da Tinkoff IIS, yadda za a ba da kuma amfani da wani mutum zuba jari asusu daga Tinkoff, kazalika da sharuddan amfani, abũbuwan amfãni da rashin amfani.

Menene IIS Tinkoff

Asusun zuba jari na mutum ɗaya nau’in asusun dillalai ne na musamman. Tare da wannan asusun, zaku iya siyan hannun jari, shaidu, agogo. Babban bambanci shine ikon karɓar harajin haraji, wanda ba zai yiwu ba tare da asusun ajiyar kuɗi na yau da kullum. Hakanan, jihar na iya kafa hani da fa’idodi dangane da IIS. Dangane da nau’in gudanarwa, ana rarrabe nau’ikan guda biyu: sarrafawa da kansa kuma ta hanyar kamfanin gudanarwa. Tinkoff-Bank yana ba da dama don ba da IIS tare da kyawawan yanayi. Bidiyo na ilimi – menene Tinkoff IIS, yadda ake saka hannun jari da samun riba akansa a 2022: https://youtu.be/YUp_Fw8CPks

Yadda ake neman Tinkoff IIS – menene bayanan da ake buƙata don buɗe asusun saka hannun jari na mutum tare da Tinkoff

Kuna iya buɗe IIS a hanyar haɗin yanar gizon https://www.tinkoff.ru/invest/iis/ Don rajista, kuna buƙatar cika fom akan gidan yanar gizon banki. A mataki na farko, kuna buƙatar nuna cikakken sunan ku da lambar wayar ku.
Za a aika SMS mai lamba zuwa takamaiman lamba. Ya kamata a shigar da shi a cikin tsari mai zuwa.
Shigar da kalmar wucewa don asusunka na Tinkoff-Bank.
A mataki na biyu, ya kamata ku karanta sharuɗɗan sabis kuma ku sanya hannu kan fom ɗin aikace-aikacen ta SMS.
A mataki na uku, kuna buƙatar saukar da aikace-aikacen Tinkoff Investments. Za a buɗe asusun a cikin rana ta kasuwanci ɗaya.
Shafin saukar da app yayi kama da haka.
A cikin aikace-aikacen, dole ne ka shigar da lambar wayar da ake haɗa katin Tinkoff-Bank.
Za a aika SMS tare da lambar tabbatarwa zuwa wayarka. Kuna buƙatar shigar da shi a cikin tsari.
Shigar da kalmar sirri don asusunka na Tinkoff-Bank
Saita lambar shiga cikin aikace-aikacen Zuba Jari na Tinkoff.
Bayan shigar da lambar, babban menu na aikace-aikacen zai buɗe. Doke hagu.
A cikin taga da ya buɗe, danna maɓallin “Buɗe IIS”.
Sabis ɗin zai gargaɗe mu cewa za ku iya samun asusu ɗaya kawai. Don haka idan kuna da asusu tare da wani banki, rufe shi. Idan ba ku da irin wannan asusu a wasu bankuna, danna “Ba ni da wani IIS”.
Yadda ake buɗe asusun saka hannun jari na mutum ɗaya tare da Tinkoffbank – umarnin mataki-mataki don buɗe IIA a cikin Tinkoff Investments: https://youtu.be/WNotdO5aI2Y

Wanene zai iya buɗe IIS?

Sai kawai mutumin da yake mazaunin haraji kuma ɗan ƙasar Rasha kuma ya kai shekaru 18 yana da damar buɗe asusun. Don zama mazaunin haraji na Tarayyar Rasha, kuna buƙatar zama a cikin Tarayyar Rasha na akalla kwanaki 183 a shekara. IIS na iya buɗewa ta mutum ɗan kasuwa, mai zaman kansa, ma’aikacin gwamnati, ɗan fansho, ɗan soja.

Ma’aikatan gwamnati da na soja ba su da ikon mallakar kadarori da kadarori na kasashen waje, wanda mallakarsu zai haifar da sabani.

Saitunan sarrafawa da zaɓi

Kuna iya sarrafa saka hannun jari ta hanyar aikace-aikacen hannu da ta tashar Tinkoff Investments. Don ƙarin cikakkun bayanai, bi hanyar haɗin yanar gizon https://help.tinkoff.ru/terminal/ Aikace-aikacen wayar hannu ya ƙunshi manyan sassan 5: “Portfolio”, “Abin da za a saya”, “Feed”, “Chat” da “Ƙari”. Sashen Fayil ɗin ya ƙunshi bayani game da asusun da kadarorin kuɗi da aka samu. A cikin wannan sashe, zaku iya sake cika ma’auni kuma ku koyi game da ma’amaloli masu aiki da kammalawa.
A kusurwar dama ta sama akwai maɓallin “Events”, ta danna wanda zaka iya ganin duk abubuwan da suka faru tare da wannan asusun.
Idan ka danna kan takamaiman taron, zaka iya ganin duk cikakkun bayanai akansa.
A cikin sashin “Abin da za a saya”, zaku iya zaɓar kadari wanda zaku iya saka hannun jari. Yana iya zama kuɗi, hannun jari, shaidu, gaba, agogo.
“Tape” – labarai, nazari da sauran muhimman bayanai da suka shafi zance. Anan zaka iya ziyarci hanyar sadarwar zamantakewa don masu zuba jari “Pulse”, sauraron kwasfan fayiloli akan batun zuba jari, karanta wallafe-wallafe.
“Tattaunawa” – a nan za ku iya musayar saƙonni tare da abokan hulɗarku, da kuma neman taimako a kowane lokaci na goyan bayan fasaha.
A cikin sashin “Ƙari”, ana sanya shafuka “Settings”, “Profile” da “Bayani”. A cikin “Profile” shafin, mai amfani zai iya zaɓar tsarin jadawalin kuɗin fito kuma yayi gwaji don sanin salon ciniki da bayanin martabar saka hannun jari. A cikin wannan shafin, zaku iya cike fom ɗin W-8BEN. Wannan ya cancanci yin idan mai saka jari ya sayi hannun jari na waje, alal misali, daga musayar NASDAQ. Form ɗin da aka cika zai tabbatar da cewa mai saka hannun jari ba mazaunin harajin Amurka bane. Daga wannan shafin, zaku iya zuwa bayanan martabarku a cikin Pulse – hanyar sadarwar zamantakewar Tinkoff-Investments.

Idan kun sayar da kadarorin kasashen waje ba tare da cika fom ba, harajin zai zama kashi 30%. Da zarar an kammala, za a iya rage harajin zuwa kashi 13%.

Shafin “Saituna” yana ba ku damar saita ciyarwar labarai da abubuwan da suka faru, kunna sanarwar turawa, zaɓuɓɓukan shiga, tabbatar da SMS na ayyukan ciniki.
A cikin shafin Bayani, zaku iya samun amsoshin tambayoyin da ake yawan yi, warware matsalolin da ba a iya warware su a shafin Taɗi, da duba cikakkun bayanan aikace-aikacen. Kuna iya buɗe asusun saka hannun jari na Tinkoff ɗaya akan layi a https://www.tinkoff.ru/invest/iis/:

Yadda ake samun cirewar IIS daga bankin Tinkoff A da B

IIS daga Tinkoff Bank yana ba da kuɗin haraji na nau’in A da B. A cikin shari’ar farko, 13% na adadin da aka ajiye za a iya dawowa kowace shekara. Adadin cikawa bai kamata ya wuce 400,000 rubles a kowace shekara ta kalanda ba. Ta hanyar cire nau’in A, zaku iya samun har zuwa 52,000 rubles a shekara. Don karɓar kudin shiga, mai shi dole ne ya sami kudin shiga wanda ke ƙarƙashin harajin shiga na sirri. Idan kudin shiga na hukuma shine 30,000 rubles, mafi girman adadin cirewa zai zama 46,800 rubles.
Mai saka hannun jari zai iya karɓar ragi na irin wannan ta hanyar cike aikace-aikace akan gidan yanar gizon Ma’aikatar Harajin Tarayya ko ta hanyar ƙaddamar da aikace-aikacen da mutum a ofishin gundumar sabis. Ana buƙatar takaddun masu zuwa don cire nau’in A:

1. Sanarwa 3-NDFL, cika akan layi akan gidan yanar gizon Sabis na Harajin Tarayya.
2. Takaddun shaida 2-NDFL na shekarar ajiyar kuɗi zuwa asusun saka hannun jari. Zai tabbatar da gaskiyar samun kudin shiga da biyan haraji a cikin adadin 13% a cikin lokacin haraji. Ana ba da shi a cikin sashen lissafin kuɗi don kowane wurin aiki.

Kuna iya jira takardar shaidar 2-NDFL akan gidan yanar gizon sabis ɗin haraji, sannan zazzage shi lokacin cika sanarwar 3-NDFL. A matsayinka na mai mulki, ana shimfida su bayan Afrilu 1 na kowace shekara.

3. Takardu daga dillali. Tinkoff-Bank zai shirya su bayan ƙarshen shekarar kalanda na asusun. Za a buƙaci a sauke su a cikin aikace-aikacen Tinkoff Investments ko a cikin asusun ku akan gidan yanar gizon tinkoff.ru, kuma a loda su zuwa fom akan gidan yanar gizon FTS.

Tinkoff-Bank zai ba da rahoto game da ma’amaloli da ayyuka idan ofishin haraji ya buƙaci. Don yin wannan, kuna buƙatar rubuta zuwa tattaunawar sabis na tallafi a cikin aikace-aikacen ko a gidan yanar gizon tinkoff.ru. An shirya takaddun a cikin kwanakin aiki 10 kuma a aika ta wasiƙa zuwa adireshin da ya dace.

Cire nau’in B za a iya karɓa kawai lokacin da aka rufe asusun. Tare da wannan cirewa, za ku iya samun riba kan zuba jari ba tare da biyan haraji ba. Ba za a iya karɓar wannan nau’in cirewa ba a baya fiye da shekaru 3 bayan buɗe asusun.
Bari mu ce a farkon 2020 wani mai saka jari ya buɗe asusu kuma ya saka 300,000 rubles a ciki. Zuba jarin ya yi nasara, kuma hannun jarin da ya zuba a ciki ya samu daraja. A farkon 2023, mai saka jari ya yanke shawarar sayar da hannun jari kuma ya rufe asusun. Asusun bayan sayar da hannun jari ya kai 900,000 rubles. Kudin shiga bayan cire kwamitocin sun kai 600,000 rubles, haraji daga gare ta – 78,000 rubles.Ana ƙaddamar da aikace-aikacen cire nau’in B ta hanyar dillali kafin a rufe asusun ko a ofishin haraji. Ana iya ƙaddamar da shi a cikin mutum ko kan layi. Dillali ba zai cire haraji kan kudin shiga na saka hannun jari ba lokacin da ake nema. Amma idan mai saka hannun jari ya yanke shawarar shigar da aikace-aikacen tare da Ma’aikatar Haraji ta Tarayya, dillali zai rubuta kashe kuɗin haraji, to, Ma’aikatar Harajin Tarayya, bayan tabbatarwa, za ta ba da kuɗin cirewa zuwa katin mai saka jari.

Zuba jari ta hanyar IIS Tinkoff – yanayi

Tinkoff-Bank yana ba da sharuɗɗan saka hannun jari masu zuwa:

1. Gudanar da saka hannun jari ya dace sosai – ta amfani da aikace-aikacen akan wayar hannu. Yana da ƙayyadaddun ƙayyadaddun ƙayyadaddun bayanai, dacewa ga masu farawa da masu zuba jari masu gogaggen.
2. Ana iya cika aikace-aikacen kan layi a cikin ‘yan mintuna kaɗan. Wakilin banki zai zo tare da mahimman takaddun a lokaci da wuri mai dacewa. Mai katin Tinkoff-Bank na iya sanya hannu kan takardu tare da lambar SMS, bayan haka za a buɗe asusun nan da nan. Za a bude IIS a ranar aiki na gaba idan an bar aikace-aikacen bayan 19: 00 Moscow lokacin ko a kan musayar hannun jari a rana ta hutu.
3. Kuna iya saka hannun jari ko da tare da 10 rubles a cikin asusun ku. Wannan shine farashin kaso ɗaya na kuɗaɗen Fayil ɗin Madawwami daga kamfanin gudanarwa na Tinkoff Capital. Farashin mafi yawan shaidu shine 1000 rubles.
4. Sashen “Abin da za a saya” ya ƙunshi zaɓi na kadarori da bayanai game da kamfanoni masu ban sha’awa. Mai saka jari ba zai yi asara tare da zabin hannun jari ba.
5. Tinkoff Investments yana ba da ɗimbin hannun jari da shaidu daga kamfanonin Rasha da na waje. Masu amfani da sabis ɗin na iya saka hannun jari a cikin manyan kudaden duniya 8.
6. A kowace rana ta mako, zaku iya samun tallafi a cikin keɓaɓɓen asusun ku ko a cikin tattaunawar aikace-aikacen.

[taken magana id = “abin da aka makala_11740” align = “aligncenter” nisa = “836”]
Misalin saka hannun jari a Tinkoff IIS, kalkuleta a https://www.tinkoff.ru/invest/iis/[/caption]

Kwamitoci da jadawalin kuɗin fito a cikin IIS Tinkoff Investments

Akwai jadawalin kuɗin fito guda biyu don IIS Tinkoff. Idan mai amfani da wuya ya yi ciniki a kan kasuwar tsaro, jadawalin kuɗin fito na Investor ya dace da shi. Yana cajin kwamiti ne kawai lokacin da aka kammala ma’amala, kuma ya kai 0.3%. Ga waɗanda ke da sana’a a cikin saka hannun jari, jadawalin kuɗin fito na Kasuwanci ya dace. [taken magana id = “abin da aka makala_11743” align = “aligncenter” nisa = “956”]
Tariffs T. Zuba Jari[/taken magana] Haɗin kai zuwa jadawalin kuɗin fito: https://www.tinkoff.ru/invest/tariffs/ Hukumar ciniki shine 0, 04 %, amma ana cajin kuɗin kowane wata na 290 rubles. Ba a biyan kuɗi na wata-wata a cikin watanni lokacin da mai ciniki baya amfani da asusun. [taken magana id = “abin da aka makala_11735” align = “aligncenter” nisa = “1024”]
Ana iya samun kuɗin fito ta aikace-aikacen IIS Tinkoff Investments[/ taken]

Menene bambanci tsakanin asusun dillali da IIS Tinkoff?

Dan kasa na iya bude asusu daya kacal, yayin da ana iya samun dillalai da dama. Tare da taimakon IIS, za ku iya samun ragi daga haraji akan gudummawa da kuma samun kudin shiga. IIS yana ba ku damar samun tabbacin samun kudin shiga ta hanyar cire haraji. An dawo da wani ɓangare na harajin kuɗin shiga na sirri da aka biya a cikin nau’in adadin har zuwa 52,000 rubles. Hakanan yana yiwuwa a ware biyan haraji na 13% akan samun kudin shiga daga ma’amaloli. Ba a ƙididdige harajin ciniki a kowace shekara, amma kawai lokacin da IIS ke rufe.

A ina zan sami asusun saka hannun jari na Tinkoff guda ɗaya?

Kuna iya samun duk bayanan da ake buƙata, da kuma buɗe Tinkoff IIS, a hanyar haɗin yanar gizon https://www.tinkoff.ru/invest/iis/

Menene rashin amfanin asusun saka hannun jari na mutum ɗaya

Matsakaicin lokacin wanzuwar IIS shine shekaru 3, yayin da aka hana cire kuɗi kafin ƙarshen wannan lokacin. In ba haka ba, asusun zai rufe ta atomatik kuma mai amfani zai rasa haƙƙin cire haraji. Ko da yake yana yiwuwa a saya kudin waje tare da taimakon IIS, ana iya sake cika asusun a cikin rubles na Rasha kawai. Matsakaicin adadin sake cikawa shine 1,000,000 rubles kowace shekara. Ana sabunta wannan iyaka a ranar 1 ga Janairu na kowace shekara.

Me yasa ake buƙatar IIS?

Asusun zuba jari na mutum ɗaya shine asusu don ciniki akan musayar tare da tsarin harajin fifiko. Kamar asusun dillali, tare da taimakon IIS zaku iya siye da siyar da agogo, hannun jari da shaidu.

Reviews game da zuba jari a IIS Tinkoff

Na yi shakku game da aikace-aikacen ciniki na hannun jari. Amma lokacin da na gwada Tinkoff Investments, na gamsu da ayyuka da dacewa. A cikin aikace-aikacen, zaku iya ganin bayyani da alamomi don sabon kadari. Aikace-aikacen yana da ƙarfi, yana canzawa da sauri zuwa sabobin kyauta. Ana shigar da kuɗi a cikin mintuna kaɗan na tafiya zuwa Tinkoff ATM. Ina ba da shawarar app ga kowa da kowa.

Wannan babban tasha ne da aikace-aikace. Kodayake amsawar hira ba ta da sauri sosai, amma saurin zuba jari yana da mahimmanci. Ga ma’aikacin gwamnati, takardar shedar ta ɗauki tsayi da yawa.

A kan gidan yanar gizon banki.ru akwai bita daga mai saka hannun jari wanda ke ba da labarin cire kuɗi daga asusun. Ya sami mafi kyawun yarjejeniya, don haka ya yanke shawarar rufe asusun.
A ranar 31 ga Oktoba, 2019, ya sayar da dukkan kadarorin da ke cikin asusun kuma ya cire kudaden. A ranar 5 ga Nuwamba, ya gabatar da bukatar rufe asusun ta hanyar tattaunawar tallafi, inda manajan ya amsa cewa za a rufe asusun a cikin kwanaki 30.
A ranar 7 ga Nuwamba, mai saka jari ya buɗe wani IIA, yayin da yake tabbatar da cewa ya rigaya yana da irin wannan asusun, wanda ya kamata a rufe a cikin kwanaki 30. A ranar 6 ga Disamba, Tinkoff-Bank ya aika da sako ga mai saka hannun jari yana mai cewa ba zai yiwu a rufe asusun ba.
Bayan lura da wannan sakon a ranar 16 ga Disamba, mai amfani ya yi ƙoƙari ya gano dalilin da ya sa bai yiwu a rufe asusun ba. Bai samu cikakkiyar amsa ba.
Saboda wannan gazawar, daga ranar 16 ga Disamba, 2019, mai saka hannun jari yana cikin haɗarin rashin samun fa’idar haraji don 2019. Ya riga yana da asusu guda biyu: a cikin Tinkoff-Bank kuma tare da sabon dillali.
Mai amfani da asusun yana gargaɗin sauran masu saka hannun jari game da amfani da wannan sabis ɗin.IIS Tinkoff Investments – sakamakon saka hannun jari a hannun jari na watanni 10, ƙwarewar aiki – bita na bidiyo: https://youtu.be/d2jUT4Laga4 Hakanan, robot don ciniki na algorithmic yana samuwa don ciniki akan Tinkoff Investments: https://articles.opexflow .com/trading-bots/tinkoff-investiii.htm Asusun Zuba Jari ɗaya yana ba da ragi na haraji amma yana da ƙayyadaddun ƙuntatawa na amfani. Tinkoff-Bank yana ba da kyawawan yanayi don saka hannun jari a IIS. Yayinda yawancin masu zuba jari ke kallon Tinkoff Investments da kyau, akwai kuma gazawar sabis.