Khadi lachikhalidwe la Muscovite. Kodi mungapeze bwanji khadi lachikhalidwe kwa Muscovite? Nthawi yeniyeni ya khadi lachikhalidwe la Muscovite

Masamba a Social Social Muscovite anapangidwa kuti apangitse moyo ndi kukhazikitsa umoyo wawo pakati pa anthu okhala mumzindawu, womwe umadalira madalitso osiyanasiyana. Zikuwoneka ngati khadi la pulasitiki yamabanki wamba, ndipo limagwira ntchito yomweyo. Kusiyana kwakukulu ndikuti ndikutchulidwa ndipo ndi cholinga cha iwo omwe ali ndi ufulu wopindula. Kuphatikiza apo, SCM ndi makina apakompyuta, omwe amapereka chidziwitso phindu limene apatsidwa kwa khadi.

Poyamba, SCM inayesedwa m'madera atatu a likulu. Miyezo yoyenera yakhazikitsidwa, lingaliro lavomerezedwa. Kuyesedwaku kunayesedwa bwino, ndipo kuyambira kumapeto kwa chaka cha 2001 chinayamba kufalitsidwa mzindawo. Ndiyenera kunena kuti cholinga chachikulu chokhazikitsa khadi lachikhalidwe cha Muscovite pachiyero choyambirira ndicho kupanga mndandanda wolondola wa anthu onse omwe ali ndi ufulu wopindula mu Moscow. Ndipo ngati mukuwonekeratu zamtsogolo ndikukhulupirira kuti zomwe zinapindulapo zinayambira mu 2001, zikukonzekera kuwonjezera mndandandawu ku Russia.

Mitundu ya ma SCM

Khadi lachitukuko la Muscovite malinga ndi kusiyana kwakukulu kwa phindu limagawidwa mu mitundu iwiri. Mmodzi amapereka ufulu wogwiritsa ntchito zonyamulira pagalimoto kwaulere, kuphatikizapo tram, metro, trolleybus ndi basi. Marshrutki ndipo, ndithudi, taxi kupita kumalo omasuka sagwira ntchito. Mtundu wachiwiri wa SCM ndiufulu kwa kayendedwe kaulere pamsewu wonyamula anthu.

Ulendo wamaulendo

Ndani anaika khadi lachikhalidwe la mtundu woyamba wa Muscovite? Chikhoza kulandiridwa ndi anthu okhala mumzindawu, omwe kale anali ndi mwayi wotere, ndiko kuti, anthu olumala (kuphatikizapo ana olemala); Ana a mabanja, kumene kuli oposa atatu (ndiko kuti, ana a mabanja akulu), komanso mmodzi wa makolo awo; Ndipo mayi ndi bambo wa mwana wolumala (mpaka atakwanitsa zaka 18); Ana amasiye, kachiwiri kwa 18, ndi ana opanda chisamaliro cha makolo kufikira zaka zomwezo.

SCM ya mtundu wachiwiri

Khadi lachikhalidwe la Muscovite, lomwe silinapereke maulendo aulere, limaperekedwa kwa iwo omwe ali ndi ufulu wopereka nthawi imodzi kubereka ana kuchokera ku bajeti ya mzinda, kuphatikizapo, ngati atatuwo anabadwa. Khadi lomwelo lidzapatsidwa ngati banja laling'ono likupatsidwa malipiro ena. Khadi lachikhalidwe la Muscovite kwa amayi apakati limagwiranso ntchito pa mtundu wachiwiri wa SCM. Kuti alandire, mayi wamtsogolo ayenera kulembedwa ku chipatala chilichonse cha Moscow pasanathe miyezi isanu ya mimba yake.

Anapindulapo

Choyamba, pokhala ndi SCM, mukhoza kuchepetsa m'masitolo omwe akukhudzidwa ndi pulogalamuyi. Khadi yokhayo iyenera kuperekedwa asanabwezere. Mndandanda wa mabungwe otero angatengedwe polowetsa SCM.

Ngati mutalemba mawu ku RUEZN, ndalama zomwe mumapereka ndi ndalama zanu zidzatumizidwa ku khadi lanu la Muscovite - kwa ambiri ndi losavuta. Ndizotheka komanso kosavuta kuika pa SCM - nthambi yoyandikana nayo ya Bank of Moscow ndi pasipoti komanso khadi idzachita opaleshoniyi. Ndipo ngati mutachita izi pasanafike madzulo, ndiye kuti mutha kugwiritsa ntchito ndalama pakalipano. Ngati kenako - muyenera kuyembekezera tsiku lotsatira.

Ngati nthawi zina mumagwiritsa ntchito zipinda zam'manja, ndipo SCM yanu ili ndi ndalama, mukhoza kugwiritsa ntchito khadi m'malo mwa ndalama. Ingoonani ngati pali chizindikiro pa nyumba yosankhidwa kuti payphone imapereka makadi a ngongole.

Amwini a nthawi zonse a makadi a Muscovite angathe kulandira ngongole yaifupi. Malire a zaka zapakati ndi zaka 70. Tiyenera kuzindikira kuti zaka "zakumapeto" zogulitsa mabanki ambiri ndi otsika - 65, kapena 60.

Mwa njira, khadi lachikhalidwe la a Muscovite kwa pensioner lingakhale lothandizanso pomusamutsa penshoni yomwe imalandira. Kuti mugwiritse ntchitoyi, mufunikira chonena za kusamutsa ndalama iyi ku SCM. Iyenera kulembedwa ku Ngongole ya Pensheni ya chigawo chanu.

Ntchito yogwiritsidwa ntchito kwambiri ya Muscovites ndiyo kulipira "communal". Lamulo loti ndalama zitha kusonkhanitsa pamapeto pake zimathera maulendo apachaka pamabanki, akuyimira mizere ndikudzaza malandilo. Pankhaniyi, banjali limangobwereza phindu lenileni la malipiro ngati kusintha kwa ndalama.

Posachedwapa, mukakhala kuzipatala zonse padzakhala makonzedwe owerengera makadi apulasitiki, khadi lachikhalidwe la Muscovite lidzakhala njira yowonjezera ku inshuwalansi ya zamankhwala tsopano.

Malo okonzedwa a SCM

Kumene mungapeze khadi lachikhalidwe la a Muscovite, zimadalira chifukwa chake amadalira inu. Choncho, amayi apakati ndi omwe ali ndi malipiro okhudzana ndi kubadwa kwa ana, pitani ku dipatimenti ya chitetezo cha chiwerengero cha anthu a chigawo komwe akukhala (m'mawu ena, kumalo okhala, kapena, monga momwe amachitira tsopano, kulembetsa). Anthu olumala, makolo omwe ali ndi ana olumala, ana amasiye, mabanja akuluakulu , etc. ayenera kupita komweko.

Ophunzira ali ndi ufulu wokhala ndi SCM okha ngati pali kulembetsa kosalekeza ku Moscow, ngati ataphunzira pa dipatimenti ya masana a yunivesite iliyonse yomwe imakhala yayikulu (malinga ndi boma). Kuti alandire khadi amafunika kupita kumalo aliwonse ovomerezeka ndi kutuluka. Mfundo zoterezi zili muofesi yapadera ya tikiti ya mumzinda wa Moscow. Kumeneko, wophunzirayo adzauzidwa momwe angapezere khadi lachikhalidwe la a Muscovite, kuchuluka kwake kodikira, komwe angapite ndi zomwe zilembedwe. Mwinanso, ngati yunivesite kapena bungwe lomwe likukhudzana ndi kusonkhanitsa mayankho ndi kuwongolera makhadi, zonsezi zikhoza kuchitika ku yunivesite.

Kulembetsa kalata yamakhalidwe a Muscovite kuti athandizidwe ndi magulu a boma kumapangidwira mu City City for Subsidies. Izi sizichitika tsiku ndi tsiku, choncho ndi bwino kuti mudziwe kale kuti musayambe nthawi pachabe.

Khalani mapu a mapu a Muscovite kwa mwana wa sukulu. M'mabungwe ambiri a maphunziro, adapangidwa mwachindunji kusukulu. Ngati izi sizingatheke, ndiye kuti mwanayo (ndipo m'malo mwake, makolo ake) adzafunikanso kugwiritsa ntchito maofesi apadera a subway.

Phukusi la zikalata zofunika

Malingana ndi omwe SCM yeniyeni yeniyeni yalembedwera, mndandanda wa zinsinsi zoyenera ndizosiyana. Mulimonsemo, mufunikira fomu yopempha. Ndipo kuti mudzaze, mudzafunikira pasipoti (wamkulu) kapena kalata yobereka (ngati mwanayo ali osakwana 14). Kuwonjezera apo, zolembera za khadi lachikhalidwe la Muscovite zikuphatikizapo inshuwalansi ndi inshuwalansi ya pensheni ndi chithunzi chofanana-siyana (3 ndi 4).

Ndiye pali kusiyana. Wophunzirayo ayenera kusonyeza chipinda chophunzira cha nthawi zonse. Kwa ana a sukulu zapansipansi, mafunsowa akuvomerezedwa ndi makolo (kapena othandizira, kapena matrasti). Zidzasowetsanso chisindikizo cha sukulu, masewera olimbitsa thupi, lyceum, sukulu yachiwiri yapadera yophunzitsa maphunziro yomwe mwanayo akuphunzira.

Mzimayi yemwe ali ndi chiwonongeko, omwe amaika Muscovite wamakhalidwe abwino kwa amayi apakati, ayenera kuwonjezera kalata kuchokera kuchipatala (kufunsa amayi) kuti alembedwe, ndipo panthawi yomwe mayiyo anali ndi pakati pa masabata makumi awiri.

Zopatsa malipiro ndi zina zothandiza

Ngati khadi lachikhalidwe la Muscovite likutengedwa kuti lilipire malipiro ndikupindula ndi bajeti yamzindawu, mudzafunika kalata ya kubadwa kwa mwana wamkazi wa mwana wamkazi wanu, kalata yochokera ku ofesi ya registry ndi malangizo ochokera kumeneko (opatsidwa pamene akulembetsa mwanayo, poganizira zolemba za makolo zomwe apatsidwa - malo awo okhala ndi zaka zawo). Ngati bambo kapena amayi sakulembetsa ku Moscow, chilembetsero cha malo okhalamo mwanayo chibweretsedwa. Ndipo, potsiriza, buku lina - kuchokera ku dera la SSZN - kuti kholo lachiwiri silinapereke chilolezo chotero ndipo sichilandira malipiro a mwana aliyense. Mapepala awiri omalizira amaperekedwa ndi akuluakulu ovomerezeka pokhapokha ngati avomerezedwa ndi makolowo, khalani mukuyembekezera kuti msonkhanowu udzachedwa kwa masiku angapo kuti mutumize pempho ndikuyembekezera yankho lake. Ngati ngongole imasankhidwa mwa kubadwa siyenso mwana woyamba, zolembedwenso zidzafunikanso kwa ana oyambirira. Komanso, kuwonjezera pa kalata ya kubadwa, mufunikanso kalata yonena kuti mwana (kapena ana) amalembedwa ku Moscow ndipo amakhala ndi makolo ake.

Kodi mungapeze bwanji khadi lachikhalidwe kwa Muscovite?

Pambuyo pomaliza fomu yolembera, wogulitsa khadi wam'tsogolo amalandira voulo yapadera. Iyenera kusungidwa mpaka khadi lilandire, mwinamwake liyenera kuyambiranso. Ngati pulogalamu ya SCM ikuphatikizapo kayendetsedwe ka kayendetsedwe ka kayendetsedwe kopanda malipiro, khadi loyendayenda laling'ono limatulutsidwa panthaŵi imodzimodzi ndi chophatikizira, chomwe chidzachotsamo khadi mpaka icho chilandire.

Kwa khadilokha, muyenera kupita kumene munapereka ntchitoyo. Ndiwe, uyenera kubweretsa pasipoti (kwa ana - chiphaso chobadwira) ndi chiphaso chomwe chinaperekedwa kale.

Popeza mukufunikira nthawi yopanga khadi lililonse la pulasitiki, SCM idzasankhidwa kwa inu pasanathe milungu iwiri. Ngati zolakwika ndi zophophonya zikuchitika pakadzazidwa, funsoli liyenera kukhazikitsidwa, choncho ndi bwino kuyang'ana zonse nthawi yoyamba, ndipo ngati mwalemba pa ofesi ya tikiti ya Metro, funsani wogwira ntchito kuti aone ngati mwachita bwino.

Kuwonjezera pa khadi lomwelo, Muscovite amalandira malangizo a momwe angagwiritsire ntchito, mndandanda wa masitolo ndi malonda komwe khadi ikhoza kugula kapena kulandira thandizo lopanda malire ndi envelopu yotsekedwa yomwe, monga khadi la ngongole, pali PIN podala.

Malamulo ndi mwayi wogwiritsa ntchito SCM

Ku akaunti ya banki, yomwe imatsegulidwa pambuyo povomerezedwa ndi fomu yolembera, kulembetsa ndi kutulutsa khadi, mukhoza kulandira malipiro, madola, pensions ndi malipiro a ndalama, zomwe mumapereka kwa boma. Kuti mupulumutse nthawi, osati kuti mupite nokha kuti mulandire ndalama, muyenera kulemba mawu ku mabungwe oyenerera, malinga ndi ndalama zomwe zidzatumizidwe ku khadi lanu. Mwachitsanzo, ngati wophunzira akufuna kulandira maphunziro, ayenera kulemba izi ku yunivesite. Wopereka ndalama za penshoni yake adzapita ku nthambi ya Pension Fund. Zothandizira kulipira ngongole ziyenera kuyendera pakati pa ndalama zothandizira nyumba. Koma maulendo onsewa adzafunika kuchitidwa kamodzi kokha.

Kusunga nthawi ndi kotheka ndi malamulo amodzi pakugawidwa kwa ndalama kubwera pa khadi. Monga tanenera kale, zotchuka kwambiri ndi malipiro operekera nyumba - banki idzadziyang'anira kusintha kwa ma tariffs ndi nthawi yamalipiro. Koma mungathe kulipira mwezi uliwonse, mwachitsanzo, kuti muphunzitsidwe - ngati mwanayo akuphunzira pa dipatimenti yomwe amalipiritsayo kapena amapita ku magulu ena, magulu ndi magawo ena. Mukhoza kulipira inshuwalansi kapena mankhwala oyenera - chifukwa cha ichi, simungayendere kokha ku banki, komanso kampani ya inshuwalansi kapena bungwe la zachipatala kuti mudziwe ngati akulandira ndalamazo.

Pali mwayi wopezera ndalama kudzera mu ATM. Komabe, mabanki atatu okha ndiwo amaphatikizapo pulogalamuyi: TransCreditBank, VTB24 ndi Bank of Moscow. Mukamagwiritsa ntchito ATM zawo, komitiyi siitengedwa. Mabanki otsalawo adzakondwera nawo, ndipo ngakhale kuti ndi ochepa (0.5), koma panthawi iliyonse kuchoka kwa ndalama mu "ATM" osakondana mudzataya makapu 50 mpaka 100. Zowonongeka kaŵirikaŵiri sizingatheke kuwombera - mwina adzatengera zochitika zilizonse.

Kuti musataye kapena kusokonezeka mu ndalama ndi ma risiti, ndi bwino kugwiritsa ntchito mabanki a SMS. Zosintha zonse ku akaunti yanu (zonse kuchotsa ndi mapepala) zidzatumizidwa ku nambala ya foni yam'manja. Miyezi ingapo yoyamba, msonkhano uwu ndiufulu, ndipo umangotengera ma ruble 50 pamwezi.

Kodi SCM ikugwira ntchito mpaka liti?

Nthawi yeniyeni ya khadi lachikhalidwe la Muscovite, mosiyana ndi makadi a banki (chaka chimodzi), amawerengedwa kwa zaka zisanu. Kuti mudziwe, mpaka tsiku lomwe likugwira ntchito, pa QMS kumanzere kwa chithunzi cha "Visa" ndi mwezi watha, womwe umagwira ntchito. Mpaka 2013, kutha kwa QMS, kunali koyenera kusintha. Mungathe kuchita izi kaya mumulandira (mwachitsanzo, pokambirana), kapena muofesi yapamwamba yomwe mumakhala nayo pa sitima yapansi panthaka. Ndipo SCM yatsopano inapangidwanso miyezi isanu ndi theka chisanafike mapeto a chakale. Muscovites ena amagwiritsa ntchito mabanki osungirako ndalama kuti adalandira uthenga ndi chenjezo posachedwa posinthidwa. Ena adandaula kuti sangapeze zambiri zokhudza malo omwe ayenera kukhazikitsidwa ndi SCM omwe ali ovomerezeka.

Tsopano akuluakulu a boma adaganiza kuti kulembedwa kwa makadi ndi kovuta komanso kosapindulitsa. Mmalo mosintha khadi, tsopano yatambasulidwa. Ikulonjezedwa kuti kukonzanso kudzakhala kosavuta, ndiko kuti, pakuchita ulendo wotsatira pamapu.

Komabe, omwe amalandira thandizo la ndalama , makamaka kusintha kosintha (kusintha kwa kulembetsa, kubadwa kwa mwana wina, kapena kukhazikitsidwa kwa olumala), ayenera kulingalira mozama momwe mungakulitsire khadi la anthu la Muscovite. Kuti mupeze yankho ndikuyenera kupita ku ofesi kapena ku ofesi imodzimodziyo. Malingaliro enieni, mwinamwake, osapereka: m'madera osiyanasiyana a mzinda pali njira zina zowonongeka. Chinthu chodziwika kuti kutenga khadi latsopano muyenera kudutsa pasipoti ndi chakale.

Kutaya kapena kuwonongeka kwa SCM

Ngati mwasokoneza khadi khadi, mwachitsanzo, iwo ankayendetsa pafupi ndi foni ndi makiyi (ndipo ndi, mwa njira, maginito) kapena mwana wamng'ono akupusitsa pozungulira, kutuluka yekha ndiye m'malo mwake. Koma osachepera simukuyenera kulira, chifukwa palibe amene angagwiritse ntchito kale, ndipo pamene mukubwezeretsani kuti muwonetsere, ngakhale mu mawonekedwe owonongeka.

Koma ngati SCM yatayika, ndi yosiyana. Monga momwe zilili ndi khadi la ngongole, imfa ya khadi iyenera kuuzidwa kwa Bank of Moscow choyamba, makamaka ngati pangakhale ndalama zotsalira pa khadi. Banki ikhoza kulepheretsa QMS yanu, ngakhale siyiyenera kukhumudwa ndi ndalama zomwe munthu wina adayesa. Gawo lachiwiri ndikudziwitsa RUSZN. Popanda kukonzekera kutayika, zidzakhala zovuta kuti mulandire zatsopano. Mwa njira, ngati kuli khadi, iyenera kuwuzidwa kachiwiri ku mabungwe awiriwo.

Zotsatira zotsatirazi n'zofanana ndi kuwonongeka kwa khadi. Fomu yofunsira, phukusi la malemba kuphatikizapo ntchito yanu ku RUEZN. Kumbukirani: ngati khadilo likuwonongedwa ndi inu, mungafunikire kulipira popanga latsopano.

Poganizira mwachidule zomwe tafotokozazi, tikhoza kunena kuti: Khadi lachikhalidwe la Muscovite ndi chinthu chabwino kwambiri. Ndipo aloleni okhala mumzindawu akudandaula za mavuto ena ndi kusinthanitsa ndi kulumikiza, phindu lomwe liri ndi zambiri.