Umusanzu wa Bank: Ububiko cyangwa ubutunzi?

Ishoramari ryiza kandi rifite umutekano w'amafaranga: Ibyifuzo mugihe uhisemo ubwoko bwo kubitsa, kubitsa bitandukanye, amahitamo ya "amahitamo" ashora imari

Buri wese muri twe, nk'amategeko, asubika amafaranga- ku kugura binini, impano kubakunzi ukundwa n'inshuti ndetse n'ibibazo bitandukanye bitunguranye. Munsi mwiza wunvikana ko Banki yingurube yo murugo yuzuye kandi byaba ngombwa gutekereza ku guhitamo banki aho amafaranga yawe azarindwa byuzuye. OT, uburyo bwo guhitamo banki bizahindura umusanzu wawe mubutunzi, tuzavugana uyu munsi.

Cyane muri IXV. Gufata amafaranga murugo byahindutse bidafite ishingiro. Icyo gihe ni bwo mu Burayi mu guhindura abababanjirije amabanki ba kijyambere, ibitsina byambere byindangagaciro byagaragaye. Nyuma yigihe, abanyamabanki ntibize gusa kubumana indangagaciro nibimenyetso by'ifaranga, ariko nanone babigishije "kwinjiza", bashora imanza zikurikiranye za banki.

Ni uruhe ruhare?

Umusanzu wa Phoxpress.rubank ni ukwimura amafaranga mu kigo cy'inguzanyo ku mahame n'amabwiriza akubiye mu masezerano yo kubitsa muri banki. Banki yiyemeje gusubiza ishoramari rishora amafaranga amafaranga wongeyeho inyungu zavuzwe ku gipimo cyagenwe mu masezerano. Mugukoderati yigihugu ya federasiyo y'Uburusiya, ubwoko bubiri bwingenzi bwibitsa burakwiye: Umusanzu wihutirwa (urakozwe mugihe runaka, aho umukiriya atagomba gukuramo amafaranga) no gutangazwa igihe icyo aricyo cyose ). Byongeye kandi, kubitsa birashobora kuba mubi (kumusanzu umwe wasamye amafaranga yatowe mumafaranga menshi) cyangwa amoko (imisanzu yinteko imwe), imisanzu yintererano nuburyo bwongerera uruhare rwinshi) cyangwa bitari ngombwa, Byihariye (urugero, kubitsa kumwana cyangwa abitsa kwibitsa umushahara byafunguwe nubuyobozi bwa enterpise kubakozi) nibisanzwe.

Amabanki agira uruhare mu gukemura imirimo ibiri y'ingenzi: Ku ruhande rumwe, kuzigama amafaranga, ku rundi, kugira ngo byongere. Niyo mpamvu, mbere yo kuvugana na banki, hitamo kubitsa kubitsa - ububiko (ububiko) cyangwa ubutunzi (kongera amafaranga yo gutanga) - ushimishijwe na. Kugumana amafaranga gusa, icyifuzo kirakwiriye (kubitsa), hamwe nabashaka kwiyongera mubijyanye nishoramari nyuma yigihe gito, birakenewe gukora ubushakashatsi mubikorwa byamagari.

Niba uhisemo, hamwe niyihe ntego uzavumbura, urashobora gutangira guhitamo. Kugirango dukore ibi, tuzakenera ibintu nyamukuru biranga kubitsa bizagufasha kugereranya banki:

Manda (niba ushishikajwe no gutanga umusanzu wihutirwa): Muri iki gihe, amabanki atanga amafaranga ya 3, 6, 9, 12, amezi 24. Akenshi, amabanki agabanya igihe cyo kubitsa, avugana na gahunda zidasanzwe (urugero, umusanzu wumwaka wumwaka wumwaka wumwaka wumwaka wumwaka);

Amafaranga yo kubitsa: Igitabo, umusanzu urashobora gufungurwa mu mafaranga ayo ari yo yose, ariko mu bikorwa amabanki menshi atanga abakiriya gutanga umusanzu mu mashanyarazi, amadolari cyangwa amayero. Amabanki akuramo atanga amahirwe yitwa kubitsa mu mico yo mu mico myinshi - urashobora kubitsa mu mafaranga uko ari atatu yavuzwe, kandi mu masezerano, agasuzuguro, ushimangire kwimura amafaranga kuri konti;

Inyungu, cyangwa inyungu ku kubitsa: Ubu ni ubunini bw'ubwatobwa ko uwabitsa yakiriye. Dukurikije amategeko rusange, igipimo cy'inyungu kibarwa ku musanzu uherereye mu mezi 12 (Kubwibyo, mubiranga umusanzu, uzasoma ko inyungu zayo zizaba nyinshi ku ijana ku ijana);

Uburyo bwo kwishyura: Inyungu kubitsa birashobora kwishyurwa nyuma yigihe cyo kubitsa cyangwa hamwe nigihe runaka kugeza igihe cyo kubitsa. Mu rubanza rwa kabiri, ku ijana ku ijana birashoboka (ongera ku musanzu w'ingenzi mu ruhare), kandi inyungu mu gihe gikurikira zizishyurwa amafaranga menshi. Ubundi buryo burashoboka: Inyungu irashobora guhindurwa kuri konte yawe ya banki (aho, nayo, kugirango yinjire ku ikarita ya banki cyangwa yabitswe ku bijyanye no kubitsa) cyangwa kubisaba;

Ibishoboka byo kuvanaho hakiri kare: mubisanzwe, ibisabwa kugirango imyanya yambere ikubiyemo igihombo cyibibitsa: cyangwa ijanisha ryijanisha ryabashinje, cyangwa igihano gitangwa kugirango akure amafaranga. Ariko, amabanki amwe kugirango akurura abakiriya gutanga ibintu byinshi byiza. Birumvikana ko bidashoboka kubona ijanisha ryibitsa byimazeyo hakiri kare, ntuzabigeraho, ariko amafaranga arashobora kwerekanwa mumasezerano bitandukanye bitewe nigihe amafaranga yari muri banki;

Imikorere ishobora gukorerwa hamwe nintererano: Amabanki amwe atanga amahirwe yo gukoresha kubuntu igice cyamafaranga yashyizwe kubitsa, biteganijwe ko kuringaniza amafaranga kuri konti yabikijije yashyizweho mumasezerano. Muri uru rubanza, inyungu ziregwa buri munsi, zigufasha gusubiza vuba impinduka mumafaranga yo kubitsa. Niba wowe, urenze ku masezerano yo gutanga umusanzu, gabanya uburinganire butagerwaho, banki izereka inyungu ku gipimo cyagabanijwe (kenshi, bisabwe kubitsa).

Gahunda yo kubitsa

Bigomba kuvugwa ko leta irinda kubitsa bigezweho ataretse ubushobozi bwo guhongera inyungu zabitsa. Imwe mu ntambwe yambere muri iki cyerekezo ni gahunda yubwishingizi bwo kubitsa. Muri rusange, ishingiro ryarwo ni ibi bikurikira: Banki, kwakira uruhushya, byinjiye muri gahunda yubwishingizi bwa leta isanga. Ibi bivuze ko buri banki akora ikigega cyubuyobozi, amafaranga azajya yishyura abantu kugiti cye mu gihe banki zigenda guhomba. Ingano yigice cyubwishingizi bwintererano iragenda ikura buhoro buhoro. Uyu munsi, niba Banki ijyanye, umushoramari yemeye kwakira igice cyamafaranga yo kubitsa - kugeza ku bihumbi bigera ku 400, hanyuma agaruke abasigaye bagomba kuba mubucamanza. Niyo mpamvu abasesenguzi benshi ba banki, bakagira inama yo gusangira umusanzu munini muri bake muri banki zitandukanye, ukurikirane ibintu byiza byo kubitsa mu gihombo mu gihe cy'ibibazo by'imari muri banki itandukanye.

Photoxpress.ruprum ibiciro bishingiye kubintu byinshi: uhereye kumafaranga n'amafaranga yo kubitsa, uburyo bwo kwishyura amafaranga, amahirwe yo kuzuza umusanzu. Menya ko umusaruro usanzwe ufatwa nkuwabitswe mumezi 12. Kubara inyungu zizakuzanira umusanzu kuri wewe uzafasha kugereranya igipimo cyinyungu kubitsa hamwe nurwego rwifaranga ryifaranga, amakuru asohoka buri gihe mubitangazamakuru.

Turashaka umusanzu

Hariho amategeko menshi yoroshye azagufasha kumenya ubwoko bwo kubitsa. Ubwa mbere, ntuhitemo "amafaranga adasanzwe". Nta gushidikanya, icyongereza gihenze cyane kuruta amadorari, kandi umutekano biratangaje. Ariko akenshi uzakenera nyuma yifaranga ryawe "ubundi buryo" bwawe muri gakondo, amadorari cyangwa amayero. Ibi bivuze ko ushobora gutakaza umubare munini wo guhana. Nk'uko inzobere muri banki zivuga, kugirango umenye umusanzu mubindi bigenewe usibye amafaranga, amadorari cyangwa amayero ari uko ubyumva neza nka banki yingurube, kandi birakwiye ko amafaranga ateganijwe yingurube Ifaranga rirakenewe (kurugero urimo kwegeranya amafaranga yo kwigisha umwana muri rimwe mu mahanga binyuze mu musanzu.

Icya kabiri, kubera ko bishobora gukenera guhindura umubano hagati y'ifaranga ryo kubitsa mu mihanga cyangwa ndetse no guhindura amafaranga, utekereze niba ukeneye iyo disipuline. Byongeye kandi, menya neza ko usobanura niba ugenzura umusanzu mubi muhore (urugero, ukoresheje sisitemu ya interineti yo kubungabunga kure). Muguhuza, urashobora gufungura imisanzu myinshi mumafaranga atandukanye. Mugihe ufunguye kubitsa mubi, kandi umenye neza uburyo amasomo yahinduwe muburyo bumwe bwibi bikoresho kandi niba banki ifata ko Komisiyo ifata ko Komisiyo ifata Komisiyo ishinzwe iki gikorwa. Wibuke: Amabanki amwe nkimwe mubisabwa kugirango ufungure umusanzu mubi wahawe umwanya wa konti imwe muri konti yo kubitsa mugihe uhinduye amafaranga ava kumafaranga.

Icya gatatu, ibitekerezo byawe bigomba gukurura inyungu kubitsa. Niba ari hejuru cyane, irashobora kwerekana ko banki igerageza gukosora imiterere ye yubukungu, gukurura amafaranga yabakiriya kubitsa. Igisubizo gishobora guteza imbere ibintu utakaza ibirenze kubona.

Bikwiye kwibukwa ko ukurikije amategeko yose ya federasiyo y'Uburusiya, banki ifite uburenganzira bwo guhindura umubare w'inyungu kubitsa ku nyungu, harimo no kugabanuka (mu gihe habaye impinduka mu gipimo cyo kubitsa, Banki igomba kumenyesha abitsa, no mu nyandiko). AVT igipimo cyijanisha kuri Banki nkuru yihutirwa ntabwo ifite uburenganzira bwo kugabanya kimwe. Witonze usome amasezerano yo kubitsa: Niba banki yifashe ko igipimo gishobora kugabanuka cyangwa kwiyongera, kwerekana ko byanze bikunze bikubiye mumyandiko.

Icya kane, hitamo niba uzuzuza umusanzu wawe. Niba ufite akamaro kugirango uhore wongere amafaranga, amahitamo yawe ni umusanzu utuwe. Amabanki menshi ashyiraho umubare ntarengwa wo kuzuza (mubisanzwe ingano igihumbi kumisanzu yuburanga). Kworoshya ubuzima bwuwabitsa, amabanki menshi atanga kugirango akoreshe ATM hamwe na "cash-in" (amafaranga yakiriwe). Kubwibyo, kubaza abakozi ba banki kubyerekeye ibisabwa, ntiwibagirwe kwiga kandi niba bishoboka kuzuza umusanzu binyuze muri ATM.

Nyamuneka menya ko igipimo cyo kubitsa kizuzwa kizaba kirenze abadatanga amahirwe yo kuzuza. Ubusanzwe amabanki yashyizeho isoko ryihariye kugirango imisanzu yinyongera itandukanye bitewe nigihe mbere yuko igihe cyo kubitsa gitanga umusanzu. Ikindi ni uko ukeneye kumenya kubyerekeye uruhare rwuzuye: mumabanki menshi, hamwe numusanzu wuzuza, amafaranga yinyongera areka kwitirirwa umusanzu mugihe cyo gutanga umusanzu urangiye. Ibi bivuze ko konte yo kubitsa izagabanywa igice mubice bibiri byimico yawe bizaguma kuri konti, ariko ntibizashimangirwa kumafaranga yo kubitsa. Niba urebye umusanzu, ugomba guha banki kohereza aya mafaranga kuri konti yo kubitsa.

Umusanzu nkububiko

Urashobora gushaka gukoresha umusanzu nka banki yingurube, urinzwe muburyo bwawe butunguranye (nyuma ya byose, kugirango ugurire irindi rishya, uzakenera kujya muri banki; Byongeye kandi, abiyemeye gufata icyemezo kubiguzi biri imbere , ntibishoboka ko bihagarara, ariko ushidikanya bizashoboka guhitamo ibyifuzo byawe) no guturuka hanze kubitsa kwawe ntibizashobora kugera kumusanzu wawe. Kugirango ubike amafaranga, icyifuzo gikwiriye kubisabwa, cyangwa kubitsa (mubyukuri amagambo "kubitsa" na "gutanga umusanzu" bikoreshwa nkibisanzwe, kubitsa "kubitsa). Niba ufunguye kubitsa, banki iguha serivisi zo kubika amafaranga.

Tuzatera urugwiro mu mateka: Mu ntangiriro ya Leta y'Abasoviyeti, amabanki yatanze amahitamo yo kubitsa. Ku rubanza rwa mbere, umukiriya yahawe banki y'ingurube, afunga urufunguzo, yimuriwe ku mukozi w'ikigo cy'inguzanyo. Ijambo ryabakiriya ryaje muri banki, ryishyuye serivisi z'ubukode bwo gukodesha banki y'ingurube no kubika urufunguzo maze dukingura banki y'ingurube. Uburyo bwa kabiri bwububiko bwari bugoye. Umukiriya yakiriye urupapuro rudasanzwe, rugomba guherekezwa nibirango bidasanzwe (Nopeck 1 Kopecks). Iyo ibirango byasuwe na 1Rub. Umukiriya yagiye muri banki, aho, anyura urupapuro, yakiriwe 1RUB. Kubitsa na kopecks 2. ku ijana.

Tugomba kuvugwa ko umusaruro wo kubitsa - piggyback ari hasi cyane, nka 1-2% kuri buri mwaka. Inzira, imisanzu nkiyi yizewe kandi izwi cyane kuri buri gihugu cyigihugu cyacu. Kenshi na kenshi, iyo misanzu yashushanijwe muburyo bwo kuzigama (amategeko azenguruka nabo benshi mubasomyi bacu barabizi neza). Uyu munsi, hari ubwoko bwinshi bushimishije bwo kubitsa butuma ababitsa cyane bahaza ibyo bakeneye. Rero, usibye kubitsa kuzigama, hariho:

Kubitsa gukusanya, akenshi "bikora" muri gahunda yinguzanyo: Muri uru rubanza, banki iraguha kubitsa kugirango akusanyirize umubare w'inguzanyo nini (urugero, ku bw'inguzanyo) ;

Kubitsa gutura, muri kamere isa na konte iriho, igufasha kurasa no gushyira amafaranga. Ikintu nyamukuru nugukurikiza imiterere ikurikira: kuri konte yabitsa bigomba guhora biguma uburimbane budasanzwe. Inyungu kubijyanye no kubitsa akenshi bifatwa kuri konti itandukanye;

Kubitsa bidasanzwe biramenyerewe nabyo kubasomyi bacu bahabwa umushahara utari ku biro ku kazi, ariko ku ikarita y'umushahara wa banki cyangwa muri banki ifite konti y'imishahara. Muri uru rubanza, umusanzu wumukoresha wuzuza buri kwezi, kandi ijanisha risanzwe ryibisabwa. Kenshi na kenshi, imisanzu yujujwe nikarita ya banki cyangwa igitabo cyo kuzigama cyorohereza kubona amafaranga.

Ifoto D. DavydoValea Bank ni umusore. Ibi bivuze ko yishyurwa kubara, kugumana no kwimurira kubitsa umusoro kubitsa imisoro mu ngengo yimari. Kubwibyo, niba inyungu zurwego rwawe mumafaranga ari hejuru yikigereranyo (umunsi wa 10%) cyangwa umusanzu wagabanijwe mumahanga hamwe ninyungu zanyu zirenga 9% y'umusoro ku nyungu kuri 35%.

Umusanzu w'agaciro

Umugani w'iteka, ukurikije ibyo zahabu n'amabuye bitazigera biva mu bicuruzwa, byateganyaga ibyamamare byamamare by'amafaranga y'ishoramari mu byuma by'agaciro. Mubyukuri, ibiciro bya zahabu, ifeza, platinum, palladium (aribyo, ibyo byubusa bisabwa kugura banki zu Burusiya). Ibi byerekana ko gushora amafaranga mu nyungu zagaciro birashobora kuba ingirakamaro.

Hariho uburyo bwinshi bwo "gushora imari". Urashobora kugura imitako mubicuruzwa by'agaciro, kugura ibiceri bikusanyijwe cyangwa bishoramari, ubone ingot ya zahabu cyangwa kuvumbura "ibyuma bitagira uruhare rudasanzwe muri banki. Ako kanya ukora reservation ko kugura imitako no gukusanya ibiceri muri zone yinshingano za banki ntabwo irimo. Ikigaragara ni uko igiciro cyimitako no gukusanya ibiceri (bitwa kandi ibiceri "bifatika") biterwa nuko bidaturutse ku kiguzi cyicyuma cyagaciro kivamo, ariko kubuhanzi bwabo cyangwa rusange.

Ibiceri by'ishoramari, bitandukanye na "bashiki babo" - Ibiceri byemeza, ubuntu bwihariye bwo kurangiza ntibushobora kwirata. Ariko, bakozwe mubityaga byagaciro bya intebe ndende, bituma ibiceri bishora imari kugirango bibe inzira nziza yo gushora amafaranga. Urashobora kugura ibiceri nkibi muri banki. Ufite uburenganzira bwo kubaha, ikimenyetso, komeza murugo (kuko aha hari imanza zidasanzwe za plastiki), kandi nibiba ngombwa, kugirango ushyire mubikorwa muri banki kuri uwo munsi iyo uhisemo kugurisha igiceri.

Ihitamo rikurikira ririmo kugura Ingot yo gupima. Uyu munsi, banki zitanga ingano kuva 15g kugeza1kg. Ariko, abagiye gufata ibyo kugura bagomba kwitegura amafaranga yinyongera. Ubwa mbere, ugomba kwishyura imirimo ya Ingot, naho icya kabiri, kwishyura agaciro gashinzwe agaciro kangana na 18% (imikorere yo kugura ingato zingana na TVA ku rwego rwo hejuru, mugihe iri tegeko ridasaba kubabona ibiceri byishoramari). Byongeye kandi, ugomba kumva ko udashobora kubika ingot yinzu. Ato yahise yongerera ibiciro, kuko birashoboka cyane ko uzakenera gukodesha akagari keza muri banki. ALSA umwe, aho abashaka kugura ingot bagomba kwibukwa: birakenewe kubibika cyane, kubera ko ibyangiritse (urugero, gushushanya, kuva kugaragara ntamuntu numwe wishingiwe mugihe cyo kubika murugo) bigabanya Uwiteka Igiciro cya Jemal, uhindura ingot yishoramari ryunguka amafaranga mu kabari k'ibyuma, nubwo bihenze cyane.

Ishoramari mubyuma by'agaciro nibyungukirwa. Ariko, hariho ibuye ryamazi yawe: Ishoramari nkiryo rigomba gukorwa igihe kirekire, bitabaye ibyo itakaza igikundiro byose. Ihindagurika rya zahabu mugihe gito cyane urashobora no kuguhindura uwakize cyane, na kurimbuka. Kubwibyo, gushora imari mubikorwa byagaciro ni mugihe witeguye kumara amafaranga menshi hanyuma utegereze imyaka 3-5.

Inzobere mu mabanki zirashobora gutanga indi, zigenda neza kandi zigezweho zo gushora amafaranga muri Dramomenta, fungura umusanzu utagira umufasha mubyuma by'agaciro. Ibi ntibizasaba Ingot Hangot Gugura izabaho gusa mumwanya wuburyo, ni ukuvuga ikiguzi cyo gukora ntabwo cyari giteganijwe. Vat yishyura ntabwo yishyura. Ariko ibisigaye byose byishimo bya Ingrathum uzumva: Gushishikazwa ku musanzu wawe, bivugwa ko atari mu madolari, amadolari cyangwa muri garama, no muri garama, no muri garama, nazo bizakurwa mu gakuru, bizakuzanira inyungu ebyiri - uhereye ku mikurire ya igiciro cya ingot no kubabara ibyapa ku ijana.

Ifoto D. DavyDovaya urashobora gufata amafaranga kandi mbere yigihe cyo kubitsa, ariko wibuke ko icyo gihe utazabona inyungu ziteganijwe ko zifatizo zizaba nkumusanzu wibisabwa (nubwo amabanki menshi muri iki gihe Tanga abakiriya babo amahirwe yo gufata amafaranga hakiri kare). Mu rukundo urundi rubanza, gabanya umubare wa Banki nkuru ntishobora. Niba byarabaye, birakenewe guhita tuvugana numunyamategeko.

Nigute ushobora kuba umusanzu?

Itangazo ushaka kuvumbura umusanzu ushobora kuzuzwa muri banki. Igikorwa cyo gufungura umusanzu ni kimwe mubyoroshye kubabitsa ndetse nubunini bwa manipune, hamwe numubare winyandiko zikenewe kugirango dushyikirize banki. Kugira ngo ugire uruhare, mu gihe kinini cy'imanza, birahagije kugira inyandiko yemeza umuntu hamwe nawe, n'amafaranga ugambiriye gushyira ububiko. Nibyo, mubihe bimwe, amabanki arashobora gusaba izindi nyandiko. Nibyiza kubisobanura mbere winjiza ahabereye banki wahisemo cyangwa uvugana na banki yo guhamagara banki.

Noneho abakora banki bazafungura konti yo kubitsa amafaranga yawe azabikwa. Nyuma yibyo, ugomba gusoza amasezerano yo kubitsa muri banki, imiterere ushobora gusanga kurubuga rwa banki. Turagusaba ko wasomye witonze inyandiko yamasezerano. Cyane gusuzuma neza ibisabwa kugirango ufate hakiri kare umusanzu.

Ni iki kindi ukeneye kumenya buri mukebwe? Konti yo kubitsa irashobora kujugunywa ku giti cye cyangwa binyuze mu ibaruwa yacyo, ikorera hashingiwe ku mategeko cyangwa na porokisiya, ishobora gutangwa kuri noteri. Hariho amahirwe atandukanye, kugirango ukore ikintu kijyanye no kubitsa, ubungubu na proksi, mumyandiko yamasezerano (akenshi imiterere yintererano ikemewe).

Niba ushaka gufungura "umusanzu wabana", ukeneye gutanga ibyangombwa bihamya umwana wawe: pasiporo yawe, aho amakuru yerekeye Umwana (umukobwa) yakozwe, cyangwa icyemezo cyamavuko. Byongeye kandi, menya ko umwana ubwe yageze kumyaka 14 kandi yakiriye pasiporo ishobora kuvumbura amafaranga. Nibyo, amabanki, nkitegeko, shiraho ibibujijwe kubijyanye no gukoresha umusanzu. Kurugero, amasezerano arashobora kugabanya umubare wigihe cyo kuvanaho amafaranga mu "" "" uw'umwana we ubwe, cyangwa kuri buri gikorwa ku musanzu w'umwana wawe, ukeneye imbaraga z'abavoka muri wewe.

Mfite ikintu kimwe: ufite uburenganzira bwo gutanga umusanzu wa banki. Ibi birashobora gukorwa muri rusange (kuvuga uruhare bagize mu nyandiko y'ubushake) cyangwa ugasiga gahunda y'itegeko muri banki, ifite imbaraga z'isezerano rya Noteri.

None ibisubizo ni izihe? Umusanzu utwemerera gutegura kwirundarungano no kubika amafaranga, birashobora kuba impano nziza mubihe bikomeye cyangwa ikora gusa uko habaho amafaranga yigihe gito. Igipimo ntarengwa kubitsa ku mezi 12 kandi byinshi ni 11-12% kuri buri mwaka, kubitsa mumafaranga y'amahanga - 7-9%. Urebye ko ingano ari ihamye, abahanga basaba kumenya amafaranga. Ikintu cyingenzi kubashobora kuba umushoramari nuguhitamo ishyirwaho ryintererano izaza, gusuzuma ubushobozi bwayo bwimari mugihe gito (kandi wenda kuri strimique cyangwa igihe kirekire) kureba no guhitamo ibicuruzwa bikwiye. Umurongo wibitsa bitangwa na banki zu Burusiya, hamwe namashami yamabanwa mugihugu cyacu, azafasha buri munyabitonyizi kugirango ahindure umusanzu wuzuye (kandi wenda afite agaciro) ubutunzi.