• Okuqukethwe

  • Ilayisensi yasebhange eMontenegro? Thola Ilayisensi Yebhange eMontenegro
  • Isingeniso
  • Izidingo zokuthola ilayisensi yasebhange eMontenegro
  • Inqubo yokuthola ilayisensi yasebhange eMontenegro
  • 1. Isicelo selayisensi
  • 2. Ukuhlolwa kwesicelo
  • 3. Ukubuyekezwa kwemibhalo eyengeziwe
  • 4. Ukuhlolwa kwendawo
  • 5. Isinqumo sokugcina
  • Izinzuzo zokuthola ilayisensi yasebhange eMontenegro
  • Izibonelo zamabhange asungulwe eMontenegro
  • 1. Crnogorska Komercijalna Banka
  • 2. NLB Bank
  • 3. Hipotekarna Banka
  • Isiphetho

Ilayisensi yasebhange eMontenegro? Thola Ilayisensi Yebhange eMontenegro

Isingeniso

IMontenegro iyizwe elincane elitholakala emazweni aseBalkan, elisanda kukhula ngokushesha komnotho. Umkhakha wamabhange ungomunye wabagqugquzela lokhu kukhula njengoba amabhange akuleli nawakwamanye amazwe abheke ukuzinza kuleli. Uma ungathanda ukuthola ilayisensi yasebhange e-Montenegro, lesi sihloko sizokunikeza ulwazi oluwusizo mayelana nezidingo nezinqubo.

Izidingo zokuthola ilayisensi yasebhange eMontenegro

Ukuze uthole ilayisensi yasebhange e-Montenegro, kufanele uhlangabezane nezidingo ezithile. Okokuqala, kufanele ube yinkampani ebhaliswe eMontenegro. Kufanele futhi ube nesabelomali esincane esingama-euro ayizigidi ezi-5 kumabhange okuhweba kanye nesigidi esingu-E1 samabhange okutshalwa kwezimali.

Futhi, kufanele ube nebhodi labaqondisi elinamalungu okungenani amahlanu, ababili kubo okufanele babe ngochwepheshe kwezezimali. Kufanele futhi ube nomqondisi ophethe okufanele agunyazwe yiBhange Elikhulu laseMontenegro.

Okokugcina, kufanele ube nohlelo lwebhizinisi oluningilizayo oluchaza ukuthi uzolisebenzisa kanjani ibhange lakho nokuthi uzoyingenisa kanjani imali engenayo. Lolu hlelo kumele lugunyazwe yiBhange Elikhulu laseMontenegro.

Inqubo yokuthola ilayisensi yasebhange eMontenegro

Inqubo yokuthola ilayisensi yasebhange eMontenegro iyinkimbinkimbi futhi ingathatha izinyanga ezimbalwa. Nazi izinyathelo okufanele uzilandele:

1. Isicelo selayisensi

Isinyathelo sokuqala ukuhambisa isicelo selayisensi eBhange Elikhulu laseMontenegro. Lolu hlelo lokusebenza kufanele lufake lonke ulwazi oludingekayo mayelana nebhizinisi lakho, kuhlanganise nohlelo lwakho lwebhizinisi olunemininingwane.

2. Ukuhlolwa kwesicelo

Uma ususifakile isicelo sakho, iBhange Elikhulu laseMontenegro lizohlola isicelo sakho futhi lihlole ukuthi uyahlangabezana yini nazo zonke izidingo. Uma isicelo sakho samukelwe, uzocelwa ukuthi ulethe eminye imibhalo.

3. Ukubuyekezwa kwemibhalo eyengeziwe

Amadokhumenti engeziwe okufanele uwathumele afaka phakathi ulwazi mayelana nabaninimasheya bakho, izikhulu kanye nabasebenzi ababalulekile. Kufanele futhi unikeze ulwazi mayelana nezinqubomgomo nezinqubo zakho zangaphakathi, kanye nezinhlelo zakho zokulawula zangaphakathi.

4. Ukuhlolwa kwendawo

Uma usuwahambisile wonke amadokhumenti adingekayo, IBhange Elikhulu laseMontenegro lizokwenza ukuhlola kwebhizinisi lakho endaweni. Lokhu kuhlola okokuqinisekisa ukuthi usebenzise izinqubomgomo nezinqubo ozichaze esicelweni sakho selayisense.

5. Isinqumo sokugcina

Ngemva kokwenza ukuhlola endaweni, IBhange Elikhulu laseMontenegro lizokwenza isinqumo esingujuqu ngesicelo sakho selayisensi. Uma isicelo sakho samukelwe, uzovunyelwa ukuthi uqale ukusebenza njengebhange laseMontenegro.

Izinzuzo zokuthola ilayisensi yasebhange eMontenegro

Ukuthola ilayisensi yasebhange eMontenegro kunezinzuzo eziningi. Okokuqala nje, iMontenegro iyizwe elikhula ngokushesha, okusho ukuthi kunamathuba amaningi okuthi amabhange athuthuke. Ngaphezu kwalokho, iMontenegro iyizwe eliyilungu le-European Union, okusho ukuthi amabhange asungulwe lapho angakwazi ukusebenza kalula kuyo yonke i-European Union.

Ukwengeza, i-Montenegro inomthetho wentela webhizinisi ovumayo, ngezinga lentela yebhizinisi elingu-9%. Lokhu kusho ukuthi amabhange asebenza eMontenegro angazuza emthwalweni wentela owehlisiwe.

Okokugcina, iMontenegro inohlelo lwamabhange oluqinile futhi olulawulwa kahle, okusho ukuthi amabhange asungulwe lapho angazuza endaweni yokulawula ezinzile futhi ebikezelwe.

Izibonelo zamabhange asungulwe eMontenegro

Amabhange amaningi asekhaya nawakwamanye amazwe asungulwa eMontenegro. Nazi izibonelo:

1. Crnogorska Komercijalna Banka

I-Crnogorska Komercijalna Banka ingelinye lamabhange amakhulu e-Montenegro, elinempahla ephelele engaphezu kwebhiliyoni elingu-euro. Ibhange lasungulwa ngo-1 futhi liphethwe yi-Société Générale ngo-2001%.

2. NLB Bank

I-NLB Banka iyingxenye yebhange laseSlovenia i-NLB. Ibhange lasungulwa ngo-2001 futhi lingelinye lamabhange amakhulu eMontenegro, elinempahla ephelele engaphezu kuka-€ 1 billion.

3. Hipotekarna Banka

I-Hipotekarna Banka yibhange lendawo elasungulwa ngo-2000. Ibhange lisebenza ngokukhethekile emalimboleko yezindlu futhi lingelinye lamabhange amakhulu eMontenegro, elinempahla ephelele engaphezu kwezigidi ezingu-500 zama-euro.

Isiphetho

Ukuthola ilayisense yasebhange e-Montenegro kungaba yithuba elihle kumabhange afuna ukusungula indawo ezweni elikhula ngokushesha elinombuso wentela ovumayo kanye nendawo yokulawula ezinzile. Nokho, inqubo yokuthola ilayisensi iyinkimbinkimbi futhi ingathatha izinyanga ezimbalwa. Uma ungathanda ukuthola ilayisensi yasebhange e-Montenegro, qiniseka ukuthi ugcwalisa zonke izidingo futhi ulandele izinqubo ezifanele.