Amathuba eGeorgia kwiingcali ze-IT

IGeorgia lilizwe elincinane eliseCaucasus elilwela ngempumelelo ukuqondwa kwehlabathi njengendawo yokuzalwa yewayini; kwakulapha apho babeyazi indlela yokwenza esi siselo sinxilisayo kwiminyaka eyi-8 eyadlulayo. I-Georgia yaziwa nangokubuka iindwendwe, ukutya kunye neendawo ezintle zendalo. Inokuba luncedo njani kwii-freelancers kunye neenkampani ezisebenza kwintsimi ye-IT teknoloji?

Iirhafu ezikhethwayo kwiinkampani ze-IT

Namhlanje, iGeorgia ayilona lizwe liphambili kwitekhnoloji yekhompyuter, kunokuba kunjalo. Inzame yokutshintsha imeko yenziwa kwi-2011, xa uMthetho waseGeorgia "kwiiNdawo zeTekhnoloji yoLwazi" waqala ukusebenza. Ngokuhambelana nalo mthetho wolawulo, zonke iinkampani ezinxulumene nentsimi yeteknoloji yolwazi zinethuba lokunciphisa irhafu yazo, kodwa ngokuxhomekeke ekuthengisweni kweemveliso kwamanye amazwe. Kule meko, babekhululwe ekuhlawuleni:

• irhafu yengeniso yenkampani - 15%;
• I-VAT – 18%;
• iintlawulo zokuthumela ngaphandle.
• Irhafu kuphela ehlawulwa ziinkampani ze-IT ezinesimo se-virtual entity yi-5% xa uhlawula izabelo kubanini. Ukuba kukho abasebenzi, oku kulandelayo kubanjiwe:
• 20% - irhafu yengeniso;
• I-4% - igalelo kwi-Pension Fund (kuphela kubahlali baseGeorgia).

Nangona kunjalo, ithemba lerhafu ephantsi alizange litsale "isihlwele" seenkampani zekhompyutha kwilizwe. Kodwa kunjalo, ithuba lokunciphisa umthwalo wemali libe lithuba elinomdla kwiingcali ze-IT ezivela kumazwe angabamelwane (umzekelo: ukusuka e-Ukraine, eRashiya, eArmenia) abafuna ukutshintsha ilizwe labo lokuhlala ixesha elide okanye ixesha elifutshane. Eyona nto ibe negalelo koku:

• ukuba kufutshane ngokwejografi;
• akukho ngxaki ngonxibelelwano, abaninzi baseGeorgia baqonda kwaye bathetha isiRashiya;
• akukho mfuneko yokufaka isicelo se-visa - ungahlala, usebenze kwaye ufunde eGeorgia iminyaka eyi-1, kwaye emva koko unokuwela umda kwaye uhlale apha kwakhona unyaka.

Ubhalisa njani inkampani yekhompyuter eGeorgia

Kuya kwenzeka ukuba ubhalise inkampani ye-IT, i-analogue ye-LLC, eGeorgia ngosuku lwe-1 kwiNdlu yoBulungisa. Iindleko zokubhaliswa ngokukhawuleza yi-200 GEL (ngomhla wokufaka isicelo), ukuba uthatha isicatshulwa kwirejista malunga nokubhaliswa kwenkampani ngosuku olulandelayo - i-100 GEL.

Ubunzima kuphela umntu wasemzini oya kujongana nayo: ukuzalisa amaxwebhu ngesiGeorgia kunye nokubonelela ngesiqinisekiso sedilesi esemthethweni. Kodwa ngoncedo lweenkampani ezikhethekileyo, ezi ngxaki akunzima ukuzinqoba. Okulandelayo, kunye nengxelo yokubhaliswa kwenkampani, kufuneka undwendwele iofisi yerhafu, apho baya kukunika igama kunye negama lokugqitha ukuze ufikelele kwiakhawunti yakho. Le yokugqibela isetyenziselwa ukufaka iingxelo, kwaye iphinda ibonise ulwazi malunga nezibophelelo zerhafu, ixesha lokuhlawula kunye neemali zokuhlawula.

Kwinqanaba elilandelayo, inkampani kufuneka ifumane isatifikethi “soMntu woMmandla weVirtual”. Ukuba iyafumaneka, uya kuba nakho ukusebenzisa irhafu ekhethwayo. Kufuneka ungenise isicelo sobume obukhethekileyo apha. Kufuneka ugcwalise isicelo esifutshane kwiwebhusayithi (ngesiGeorgia). Emva koko, kwiintsuku ze-2-14, uya kufumana ikhonkco lokukhuphela isatifikethi se-"Virtual Zone Persons" nge-imeyile. Isebenza unyaka omnye, emva koko kufuneka ufake isicelo kwakhona.

Njengoko ubona, ukubhalisa inkampani ye-IT eGeorgia akunzima konke konke, kwaye inkqubo ngokwayo ayiyi kuthatha ixesha elide. Kodwa eyona ngxaki iphambili kweli lizwe kukunqongophala kweengcali eziqeqeshiweyo. Kungenjalo, qesha abaphuhlisi phesheya. E-Georgia, akukho mfuneko yokufumana iimvume zokusebenza kwiingcali zangaphandle, eyenza lula inkqubo yokuqesha. Kodwa akusoloko kusengqiqweni ukuzisa abasebenzi kwelinye ilizwe. Ngapha koko, apha kufuneka babonelele ngenqanaba elifanelekileyo lengeniso yokuphila okuqhelekileyo.

Kakade ke, kukho iinkampani zekhompyutha eziye zavula izahlulo zabo apha, umzekelo, Oberig IT (Ukraine).

Zeziphi izibonelelo ezinokuthi iinkampani ze-IT zivule iiofisi eGeorgia zifumane, ngaphandle kwerhafu ephantsi:

• ukunciphisa iindleko zabasebenzi - kwimeko yokubandakanya iingcali zaseGeorgia;
• ukufikelela kwiimarike zangaphandle - urhulumente waseGeorgia uye wagqiba izivumelwano zorhwebo zamahhala kunye ne-EU, i-EFTA, amazwe e-CIS, i-China, i-Hong Kong ne-Turkey;
• izivumelwano ezikhoyo malunga nokuphepha ukurhafiswa kabini kumazwe angama-55 (ekuqaleni kowama-2019);
• ukukwazi ukudlula izigwebo kubalulekile kwiinkampani ezivela eRashiya ukuba abathengi bangaphandle abafuni ukusebenzisana nabo, ukuze bangabi phantsi kwe-EU kunye ne-US.

Ukongeza ekunciphiseni irhafu, iimeko zenkonzo kwiibhanki zaseGeorgia zinokuba nomdla omkhulu phakathi kweengcali ze-IT ezivela kwamanye amazwe. Kukho amaxabiso aphantsi kakhulu kwiinkonzo zokuhlawula imali kunye nokubhankisha kwi-intanethi, okwenza kube nengqiqo ukuvula ii-akhawunti zomntu kunye nee-akhawunti zenkampani kwiinkampani ze-IT.

Kunengqiqo ukusebenzisa amakhadi okuhlawula kunye neeakhawunti zomntu kwiibhanki zaseGeorgia ukufumana iintlawulo zee-odolo ezigqityiweyo zabasebenza ngokuzimeleyo abahlala eGeorgia. Ukufudukela apha, unokuqhubeka nokusebenza ukude, ube nemivuzo ephezulu, kodwa kwangaxeshanye uchithe imali encinci ekutyeni, ekuzonwabiseni, ekuzonwabiseni nasekuhlaleni ngaselwandle eBatumi.
Kodwa eyona nto inomdla malunga nokukhonza kwiibhanki zaseGeorgia kukuba azidluliseli ngokuzenzekelayo ulwazi kumagunya erhafu kwamanye amazwe (iGeorgia ayilona ilungu leCRS). Oko kukuthi, akukho mntu uya kukwazi malunga naziphi na iirisithi kwi-akhawunti kwilizwe apho umxhasi ngumhlali werhafu. Kwaye ngenxa yoko, unokonga kwiirhafu.

Iinkonzo zebhanki kwiingcali ze-IT

Kukho iibhanki ezimbini ezinkulu eGeorgia ezihlala ngaphezu kwe-70% yemalike yemali-iBhanki yaseGeorgia kunye neBhanki ye-TBC. Omabini amaziko emali akwindalo yonke, anothungelwano olubanzi lwamasebe kwaye anokuvuselela umdla kubantu abazimeleyo, bobabini baceba ukufudukela eGeorgia nokuhlala kwamanye amazwe.

Iingcali ze-IT ezizisebenzelayo zinomdla, ukusuka kwindawo ebonakalayo, kumakhadi okuhlawula amabhanki aseGeorgia. Emva koko, kufuneka basombulule iingxaki ezinjalo eziphambili: indlela yokuboleka intlawulo kwi-akhawunti kwaye uhoxise imali, kwaye okona kubaluleke kakhulu, ukuqinisekisa ukuba iikhomishini zeenkonzo zebhanki zincinci kangangoko kunokwenzeka.

Iibhanki zaseGeorgia zisebenzisa umgangatho wamazwe ngamazwe kwii-akhawunti zebhanki ze-IBAN, zibonelela ngokufikelela kwiiakhawunti zabaxumi ngokubhankisha, kwaye zikhupha amakhadi okuhlawula eVisa, iinkqubo zokuhlawula ze-MasterCard, kunye neBhanki yaseGeorgia nayo ikhupha i-American Express.

Ukuvula i-akhawunti yakho, umntu ongeyena umhlali ufuna kuphela ipasipoti yangaphandle kwaye agcwalise i-questionnaire yomxhasi.

Iindleko zenkonzo eqhelekileyo kwi-TBC Bank

Zeziphi iindleko eziya kufunyanwa ngumntu osebenza yedwa xa esebenzisa iinkonzo zeBhanki ye-TBC:

• ukuvula i-akhawunti yangoku - i-10 GEL kunye nemali yenkonzo yenyanga - 0,9 GEL;
• umrhumo wonyaka wokukhutshwa kwekhadi lokuhlawula: I-Classic / Standard - 30 GEL, Gold - 90 GEL, kunye nemali yenkonzo yenyanga: Visa Classic / MC Standard - 2,5 GEL, Visa / MC Gold - 7,50 GEL;
• ukutsalwa kwemali kumasebe eBhanki ye-TBC: 0,6%, min. 0,2 GEL, kwii-ATM zebhanki kunye namaqabane ayo - 0,2%, min. 0,2 GEL;
• ukuhoxiswa kwemali kwezinye ii-ATM: 2%, min. I-3 USD / EUR okanye i-6 GEL;
• ukudluliselwa kwezinye iibhanki: kwi-lari - 0,07% min. I-0,9 GEL; nge-USD - 0,2% min. 15 USD ubuninzi. 150 USD; kwezinye iimali - 0,2% min. 15 EUR ubuninzi. 150 EUR;

Ungagcina imali ukuba u-odola kwangoko inkonzo yephakheji. Njengenxalenye yeephakheji, umxhasi akahlawuleli ukuvula i-akhawunti, ukugcinwa kwayo kwenyanga, ukukhutshwa kwekhadi kunye nokugcinwa kwayo.

Ngokomzekelo, ngokwenza intlawulo yonyaka kwiphakheji yerhafu "yeSimo" - i-170 GEL (malunga ne-57,5 USD), umxhasi uya kukwazi ukugcina i-30,8 GEL: 10 GEL (ukuvulwa kwe-akhawunti) + 10,8 GEL (ukugcinwa kwe-akhawunti yonyaka) + 90 GEL (ukukhutshwa kwekhadi leGold) + 90 GEL (ukugcinwa konyaka kwekhadi leGold). Kwakhona, kwiphakheji "yeSimo", ukudluliselwa kwezinye iibhanki kungabizi: kwi-lari - i-0,5 lari, kwi-USD / imali - i-9,9 USD / imali.

Ngokomfanekiso, ukuba i-freelancer ifumana intlawulo kwikhadi legolide le-TBC Bank, uya kuba neendleko: i-170 GEL ngonyaka ngokuthenga iphakheji kunye ne-2% min. I-3 USD ngokutsalwa kwemali nganye kwi-ATM kwilizwe lakho. Ukuba uhlala eGeorgia, ukuhoxiswa kwemali kuya kuba yi-0,2%, ubuncinane be-0,2 lari.

Premium package Solo evela Bank of Georgia

IBhanki yaseGeorgia inikezela ngeengcali ze-IT ukuba zithathe ithuba lenkonzo yeprimiyamu yenkonzo ye-SOLO Club. Iindleko zayo yi-200 USD kuphela ngonyaka, kodwa kule mali umxhasi ufumana:

• Ikhadi lePlatinum laseMelika;
• ukutsalwa kwemali simahla kuzo zonke ii-ATM ezisehlabathini;
• ukunyuka umda wemihla ngemihla ekukhutshweni kwemali - ukuya kwi-GEL 20;
• Ikhadi lokuPasa eliPhambili le-5 yokupasa simahla kwiindawo zokuphumla kwisikhululo seenqwelomoya kwihlabathi liphela;
• i-inshurensi yokuhamba;
• Iinkonzo ze-concierge iiyure ezingama-24;
• ukuthatha inxaxheba kwinkqubo yokunyaniseka.

Azikho iibhanki ezininzi kwi-CIS kwaye ngakumbi kwi-EU ezinokuqhayisa ngeepakethi zeprimiyamu ezifikelelekayo. Ukuthelekisa, inyanga yenkonzo ngaphakathi kwephakheji yenkonzo ye-premium ye-Sberbank First ixabisa i-ruble eyi-10 ukuba ibhalansi kuzo zonke ii-akhawunti zebhanki zingaphantsi kwe-000 yezigidi zeeruble. Iindleko zenkonzo phantsi kwe-VTB Privilege package yi-15 ruble ngenyanga okanye ngaphandle kwentlawulo, kodwa ngaphandle kokuba iirisithi ekhadini zivela kwi-ruble ye-5 okanye ibhalansi ye-akhawunti ubuncinane i-000 ruble.

Ukuvula i-akhawunti yakho kubantu abangengabo abahlali kwiibhanki zaseGeorgia akunzima kwaye kunokwenziwa ukude, ngaphandle kokutyelela ilizwe. Abathengi bafumana ukufikelela okuzinzile nokusisigxina kwii-akhawunti ngokusebenzisa iibhanki ze-intanethi kunye namakhadi okuhlawula. Kufuneka kuqatshelwe ukuba iGeorgia ayithathi nxaxheba kwi-Automatic Exchange of Financial Data. Ke ngoko, kuya kufuneka uzazise malunga nazo zonke iiakhawunti zakho kwiibhanki zaseGeorgia, kunye nokuhlawula irhafu kwingeniso.

umthombo: www.habr.com