Amathuba e-Georgia ochwepheshe be-IT

IGeorgia iyizwe elincane eCaucasus elilwela ngempumelelo ukuqashelwa umhlaba njengendawo yokuzalwa kwewayini; kulapha lapho bazi khona ukuthi kwenziwa kanjani lesi siphuzo esidakayo eminyakeni eyizi-8 edlule. I-Georgia yaziwa nangokungenisa izihambi, ukudla kanye nezindawo ezinhle zemvelo. Kungaba usizo kanjani kuma-freelancers kanye nezinkampani ezisebenza emkhakheni wobuchwepheshe be-IT?

Izintela ezikhethwa yizinkampani ze-IT

Namuhla, i-Georgia akuyona izwe elihamba phambili emkhakheni wezobuchwepheshe bekhompyutha, kunalokho okuphambene. Umzamo wokuguqula isimo wenziwe ngo-2011, lapho uMthetho waseGeorgia "Ezindaweni Zobuchwepheshe Bolwazi" uqala ukusebenza. Ngokuvumelana nalesi senzo sokulawula, zonke izinkampani ezihlobene nomkhakha wezobuchwepheshe bolwazi zinethuba lokunciphisa intela yazo, kodwa ngaphansi kokuthengiswa kwemikhiqizo phesheya. Kulokhu, bebekhululiwe ekukhokheni:

• intela yemali engenayo yebhizinisi - 15%;
• I-VAT - 18%;
• izinkokhelo zokuthekelisa.
• Okuwukuphela kwentela ekhokhwa yizinkampani ze-IT ezinesimo sebhizinisi elingu-5% uma zikhokha izinzuzo kubanikazi. Uma kukhona abasebenzi, okulandelayo kuyagodlwa:
• 20% - intela engenayo;
• 4% - umnikelo ku-Pension Fund (kuphela izakhamuzi Georgia).

Nokho, ithemba lentela ephansi alizange likhange “isixuku” sezinkampani zamakhompyutha ezweni. Kodwa noma kunjalo, ithuba lokunciphisa umthwalo wezezimali seliyithuba elithakazelisayo lochwepheshe be-IT abavela emazweni angomakhelwane (isibonelo: abavela e-Ukraine, eRussia, e-Armenia) abafuna ukushintsha izwe labo lokuhlala isikhathi eside noma isikhathi esifushane. Yini ngempela efake isandla kulokhu:

• ukusondela kwendawo;
• azikho izinkinga zokuxhumana, abantu abaningi baseGeorgia baqonda futhi bakhulume isiRashiya;
• asikho isidingo sokufaka isicelo se-visa - ungahlala, usebenze futhi ufunde eGeorgia unyaka ongu-1, bese ungawela umngcele futhi uhlale lapha futhi unyaka.

Ungabhalisa kanjani inkampani yekhompyutha eGeorgia

Kuzokwazi ukubhalisa inkampani ye-IT, i-analogue ye-LLC, e-Georgia ngosuku olungu-1 e-House of Justice. Izindleko zokubhaliswa okuphuthumayo yi-200 GEL (ngosuku lokufaka isicelo), uma uthatha ukukhishwa kwerejista mayelana nokubhaliswa kwenkampani ngosuku olulandelayo - 100 GEL.

Okuwukuphela kwezinkinga umuntu wangaphandle azobhekana nazo yilezi: ukugcwalisa amadokhumenti ngesiGeorgia kanye nokunikeza isiqinisekiso sekheli elisemthethweni. Kodwa ngosizo lwezinkampani ezikhethekile, lezi zinkinga akunzima ukuzinqoba. Okulandelayo, ngesitatimende sokubhaliswa kwenkampani, kufanele uvakashele ihhovisi lentela, lapho bazokunikeza khona igama nephasiwedi ukuze ufinyelele i-akhawunti yakho yomuntu siqu. Eyakamuva isetshenziselwa ukugcwalisa imibiko, futhi iphinde ibonise ulwazi mayelana nezibopho zentela, umnqamulajuqu wokukhokha namanani okukhokha.

Esigabeni esilandelayo, inkampani idinga ukuthola isitifiketi "Umuntu Wendawo Ebonakalayo". Uma itholakala, uzokwazi ukusebenzisa intela ekhethwayo. Udinga ukuthumela isicelo sesimo esikhethekile lapha. Udinga ukugcwalisa isicelo esifushane kuwebhusayithi (ngesiGeorgia). Bese, phakathi kwezinsuku ezi-2-14, uzothola isixhumanisi sokulanda isitifiketi se-“Virtual Zone Persons” nge-imeyili. Isebenza unyaka owodwa, bese udinga ukufaka isicelo futhi.

Njengoba ubona, ukubhalisa inkampani ye-IT eGeorgia akunzima neze, futhi inqubo ngokwayo ngeke ithathe isikhathi esiningi. Kodwa inkinga enkulu kuleli ukushoda kongoti abaqeqeshiwe. Noma, qasha onjiniyela phesheya. E-Georgia, asikho isidingo sokuthola izimvume zokusebenza zochwepheshe bangaphandle, okwenza inqubo yokuqasha ibe lula. Kodwa akuhlali kunengqondo ukuletha abasebenzi kwelinye izwe. Phela, lapha badinga ukunikeza izinga elifanele lemali engenayo yokuphila okuvamile.

Yiqiniso, kunezinkampani zekhompiyutha ezivule ukuhlukana kwazo lapha, isibonelo, i-Oberig IT (Ukraine).

Yiziphi izinzuzo izinkampani ze-IT ezingavula amahhovisi eGeorgia ezingazithola, ngaphandle kwentela ephansi:

• ukunciphisa izindleko zabasebenzi - uma kuhilela ochwepheshe baseGeorgia;
• ukufinyelela ezimakethe zangaphandle - uhulumeni waseGeorgia uphethe izivumelwano zohwebo lwamahhala ne-EU, EFTA, amazwe e-CIS, iChina, iHong Kong kanye neTurkey;
• izivumelwano ezikhona zokugwema ukukhokhiswa intela kabili namazwe angama-55 (ekuqaleni kowezi-2019);
• ikhono lokudlula unswinyo libalulekile ezinkampanini ezivela eRussia lapho amakhasimende angaphandle angafuni ukusebenza nawo, ukuze angaweli ngaphansi kwezigwegwe ze-EU ne-US.

Ngaphezu kokwehliswa kwentela, izimo zesevisi emabhange aseGeorgia zingaba nesithakazelo esikhulu phakathi kochwepheshe be-IT abavela kwamanye amazwe. Kunezintela eziphansi kakhulu zezinsiza zokukhokhela ukheshi kanye nokubhanga nge-inthanethi, okwenza kube nengqondo ukuvula ama-akhawunti omuntu ngamunye kanye nama-akhawunti ezinkampani ezinkampani ze-IT.

Kunengqondo ukusebenzisa amakhadi okukhokha nama-akhawunti omuntu siqu wamabhange aseGeorgia ukuthola izinkokhelo zama-oda aqediwe ezizimele ezihlala e-Georgia. Njengoba usuthuthele lapha, ungaqhubeka nokusebenza ukude, ube namaholo aphezulu, kodwa ngesikhathi esifanayo uchithe imali encane ekudleni, ekuzijabuliseni, ekuzijabuliseni, ngisho nasekuhlaleni olwandle eBatumi.
Kodwa into ethakazelisa kakhulu ngokusebenza emabhange aseGeorgia ukuthi awadluliseli ngokuzenzakalelayo ulwazi kuziphathimandla zentela zamanye amazwe (iGeorgia ayilona ilungu le-CRS). Okusho ukuthi, akekho ozokwazi nganoma yimaphi amarisidi ku-akhawunti esezweni lapho iklayenti liyisakhamuzi sentela. Futhi ngenxa yalokho, ungakwazi ukonga ezintela.

Izinsizakalo zebhange zochwepheshe be-IT

Kunamabhange amabili amakhulu e-Georgia athatha ngaphezu kwe-70% yemakethe yezezimali - i-Bank of Georgia ne-TBC Bank. Zombili izikhungo zezezimali zisemhlabeni wonke, zinenethiwekhi yamagatsha ebanzi futhi zingavusa isithakazelo phakathi kwabazimele, bobabili bahlela ukuthuthela eGeorgia futhi bahlale kwamanye amazwe.

Ochwepheshe be-IT abazisebenzelayo banesithakazelo, ngokombono ongokoqobo, kumakhadi okukhokha amabhange aseGeorgia. Ngemuva kwakho konke, badinga ukuxazulula izinkinga ezinjalo ezibalulekile: indlela yokukhokha imali ku-akhawunti futhi uhoxise imali, futhi okubaluleke kakhulu, ukuqinisekisa ukuthi amakhomishana ezinsizakalo zebhange ashibhile ngangokunokwenzeka.

Amabhange aseGeorgia asebenzisa indinganiso yamazwe ngamazwe yama-akhawunti asebhange i-IBAN, anikeze ukufinyelela kuma-akhawunti ekhasimende ngokusebenzisa ibhange, aphinde akhiphe amakhadi okukhokha e-Visa, izinhlelo zokukhokha ze-MasterCard, futhi iBhange LaseGeorgia liphinde likhiphe i-American Express.

Ukuze uvule i-akhawunti yomuntu siqu, ongeyena umhlali udinga kuphela ipasipoti yangaphandle futhi agcwalise uhlu lwemibuzo lweklayenti.

Izindleko zesevisi ejwayelekile ebhange le-TBC

Yiziphi izindleko umuntu ozimele azozithola lapho esebenzisa izinsiza ze-TBC Bank:

• ukuvula i-akhawunti yamanje - 10 GEL kanye nemali yesevisi yanyanga zonke - 0,9 GEL;
• imali yonyaka yokukhipha ikhadi lokukhokha: I-Classic/Standard - 30 GEL, Gold - 90 GEL, kanye nemali yesevisi yanyanga zonke: I-Visa Classic / MC Standard - 2,5 GEL, Visa/MC Gold - 7,50 GEL;
• ukukhishwa kwemali emagatsheni e-TBC Bank: 0,6%, imiz. 0,2 GEL, kuma-ATM ebhange nabalingani balo – 0,2%, imiz. I-0,2 GEL;
• ukuhoxiswa kwemali kwamanye ama-ATM: 2%, imiz. I-3 USD/EUR noma i-6 GEL;
• ukudluliselwa kwamanye amabhange: ku-lari - 0,07% min. I-0,9 GEL; nge-USD - 0,2% min. 15 USD ubuningi. 150 USD; kwezinye zezimali - 0,2% min. 15 EUR ubuningi. 150 EUR;

Ungagcina imali uma u-oda isevisi yephakheji ngokushesha. Njengengxenye yamaphakheji, iklayenti alikhokhi ngokuvula i-akhawunti, ukugcinwa kwayo kwanyanga zonke, ngokukhipha ikhadi kanye nokugcinwa kwalo.

Isibonelo, ngokwenza inkokhelo yonyaka yephakheji yentela "Yesimo" - 170 GEL (cishe 57,5 USD), iklayenti lizokwazi ukulondoloza u-30,8 GEL: 10 GEL (ukuvulwa kwe-akhawunti) + 10,8 GEL (ukugcinwa kwe-akhawunti konyaka) + 90 GEL (ukukhishwa kwekhadi Legolide) + 90 GEL (ukugcinwa kwekhadi legolide minyaka yonke). Futhi, kuphakheji "Yesimo", ukudluliselwa kwamanye amabhange ishibhile: nge-lari - 0,5 lari, nge-USD/imali - 9,9 USD/imali.

Ngokomfanekiso, uma isisebenzi esizimele sithola inkokhelo ekhadini legolide le-TBC Bank, sizobhekana nezindleko: 170 GEL ngonyaka ngokuthenga iphakethe kanye no-2% min. 3 USD ekukhishweni ngakunye kwemali ku-ATM ezweni lakini. Uma ehlala eGeorgia, ukuhoxiswa kwemali kuzoba ngu-0,2%, ubuncane be-lari engu-0,2.

Iphakethe le-Premium Solo evela eBhange laseGeorgia

IBhange LaseGeorgia linikeza ochwepheshe be-IT ukuthi basebenzise iphakheji yesevisi yeprimiyamu ye-SOLO Club. Izindleko zayo zingu-200 USD kuphela ngonyaka, kodwa kule mali iklayenti eliyitholayo:

• Ikhadi lePlatinum le-American Express;
• ukukhishwa kwemali mahhala kuwo wonke ama-ATM emhlabeni;
• ukwanda komkhawulo wansuku zonke ekuhoxisweni kwemali - kufika ku-GEL 20;
• Ikhadi Lephasi Elibalulekile lamaphasi ama-5 amahhala ezindlini zokuphumula zezindiza emhlabeni jikelele;
• umshwalense wokuhamba;
• Izinsizakalo ze-concierge zamahora angama-XNUMX;
• ukubamba iqhaza ohlelweni lokwethembeka.

Awekho amabhange amaningi e-CIS futhi ikakhulukazi e-EU angaziqhayisa ngamaphakheji anjalo angabizi kakhulu. Uma kuqhathaniswa, inyanga yesevisi ngaphakathi kwephakheji yesevisi ye-premium ye-Sberbank First ibiza ama-ruble angu-10 uma ibhalansi kuwo wonke ama-akhawunti asebhange ingaphansi kwama-ruble ayizigidi ezingu-000. Izindleko zesevisi ngaphakathi kwephakheji le-VTB Privilege zingama-ruble angu-15 ngenyanga noma mahhala, kodwa inqobo nje uma amarisidi ekhadini asuka kuma-ruble angu-5 noma amabhalansi e-akhawunti okungenani angama-ruble angu-000.

Ukuvula i-akhawunti yomuntu siqu yabangewona abahlali emabhange aseGeorgia akunzima futhi kungenziwa ukude, ngaphandle kokuvakashela izwe. Amaklayenti athola ukufinyelela okuzinzile nokungunaphakade kuma-akhawunti ngokusebenzisa ukubhanga ku-inthanethi namakhadi okukhokha. Kufanele kuqashelwe ukuthi i-Georgia ayihlanganyeli ku-Automatic Exchange of Financial Data. Ngakho-ke, kufanele uzazise ngawo wonke ama-akhawunti akho emabhange aseGeorgia, futhi ukhokhe izintela emalini engenayo.

Source: www.habr.com