{"id":55463,"date":"2024-12-11T12:12:00","date_gmt":"2024-12-11T10:12:00","guid":{"rendered":"https:\/\/economic.karpat.in.ua\/?p=55463"},"modified":"2024-12-11T06:44:46","modified_gmt":"2024-12-11T04:44:46","slug":"a-kartyas-atutalasok-korlatozasa-ukrajna-legnagyobb-bankjai-memorandumot-irtak-ala","status":"publish","type":"post","link":"https:\/\/economic.karpat.in.ua\/?p=55463&lang=hu","title":{"rendered":"A k\u00e1rty\u00e1s \u00e1tutal\u00e1sok korl\u00e1toz\u00e1sa. Ukrajna legnagyobb bankjai memorandumot \u00edrtak al\u00e1"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Ukrajna legnagyobb bankjai memorandumot \u00edrtak al\u00e1 \u201eA bankok \u00e1tutal\u00e1si piaca m\u0171k\u00f6d\u00e9s\u00e9nek \u00e1tl\u00e1that\u00f3s\u00e1g\u00e1r\u00f3l\u201d. A meg\u00e1llapod\u00e1s szerint a minim\u00e1lis \u00e1tutal\u00e1si limit havonta 50 ezer hrivnya szinten van meghat\u00e1rozva. A korl\u00e1toz\u00e1sok minden \u00e1tutal\u00e1sra vonatkoznak, bele\u00e9rtve az IBAN-on kereszt\u00fcl t\u00f6rt\u00e9n\u0151 foly\u00f3s\u00edt\u00e1sokat is.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A dokumentumot al\u00e1\u00edr\u00f3 bankok k\u00f6z\u00f6tt van az Oscsadbank, az OTP Bank, a Privatbank, a Praveksz Bank, a PUMB, a Raiffeisen Bank, az Universzal Bank \u00e9s a Taszkombank. Ugyanakkor a memorandum nyitva marad m\u00e1s bankok csatlakoz\u00e1sa el\u0151tt.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"467\" src=\"https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2024\/12\/23-main-v1733842230.webp\" alt=\"\" class=\"wp-image-55445\" style=\"width:794px;height:auto\" srcset=\"https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2024\/12\/23-main-v1733842230.webp 700w, https:\/\/economic.karpat.in.ua\/wp-content\/uploads\/2024\/12\/23-main-v1733842230-300x200.webp 300w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Korl\u00e1toz\u00e1sokat vezettek be a k\u00e1rty\u00e1r\u00f3l a k\u00e1rty\u00e1ra t\u00f6rt\u00e9n\u0151 kimen\u0151 \u00e1tutal\u00e1sok tekintet\u00e9ben, amelyek nem tudj\u00e1k igazolni a bev\u00e9telt:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A \u201emagas\u201d kock\u00e1zati szinttel rendelkez\u0151 \u00fcgyfelek sz\u00e1m\u00e1ra \u2013 max. 50 000 UAH havonta.<\/li>\n\n\n\n<li>\u201eK\u00f6zepes\u201d \u00e9s \u201ealacsony\u201d kock\u00e1zati szinttel rendelkez\u0151 \u00fcgyfelek sz\u00e1m\u00e1ra: 2025. febru\u00e1r 1-t\u0151l \u2013 max. 150 000 UAH havonta, 2025. j\u00fanius 1-t\u0151l \u2013 max. 100 000 UAH havonta.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A korl\u00e1toz\u00e1sok nem vonatkoznak az igazolt j\u00f6vedelemforr\u00e1ssal rendelkez\u0151 \u00fcgyfelekre (bele\u00e9rtve az \u00fcgyfeleket, akik b\u00e9r\u00fcket k\u00e1rty\u00e1ra kapj\u00e1k) \u00e9s az \u00f6nk\u00e9ntesekre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A memorandumot al\u00e1\u00edr\u00f3 bankok h\u00e1romra korl\u00e1tozz\u00e1k az egy p\u00e9nznemben vezetett sz\u00e1ml\u00e1k sz\u00e1m\u00e1t az igazolt j\u00f6vedelemmel nem rendelkez\u0151 \u00fcgyfelek sz\u00e1m\u00e1ra. Ez nem vonatkozik a bet\u00e9t- \u00e9s hitelsz\u00e1ml\u00e1kra, valamint az olyan korm\u00e1nyzati programokra nyitott sz\u00e1ml\u00e1kra, mint az eRecovery vagy a National Cashback.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A bankok k\u00f6telezetts\u00e9get v\u00e1llalnak arra, hogy a mag\u00e1nszem\u00e9lyek \u00e9s egy\u00e9ni v\u00e1llalkoz\u00e1sok eset\u00e9ben \u00e1tl\u00e1that\u00f3 szab\u00e1lyokat tartanak be az \u00fcgyfelek ellen\u0151rz\u00e9s\u00e9re \u00e9s a m\u0171veletek lefolytat\u00e1s\u00e1ra vonatkoz\u00f3an. A szolg\u00e1ltat\u00e1s sor\u00e1n figyelembe veszik az \u00fcgyfelek kock\u00e1zati profilj\u00e1t \u00e9s a p\u00e9nzeszk\u00f6z\u00f6k tervezett k\u00f6rforg\u00e1s\u00e1t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A \u201emagas\u201d kock\u00e1zati szinttel rendelkez\u0151 \u00fcgyfelek eset\u00e9ben a bankok minden konkr\u00e9t esetben fokozott ellen\u0151rz\u00e9seket alkalmaznak. Az \u201ealacsony\u201d kock\u00e1zati szinttel rendelkez\u0151 \u00fcgyfelek egyszer\u0171s\u00edtett szolg\u00e1ltat\u00e1st kapnak j\u00f6vedelemigazol\u00e1s n\u00e9lk\u00fcl, ha a sz\u00e1mla forgalmuk nem haladja meg:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2025. janu\u00e1r 1-t\u0151l \u2013 150 000-ig UAH havonta.<\/li>\n\n\n\n<li>2025. j\u00fanius 1-t\u0151l \u2013 100 000-ig UAH havonta.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A bankok ezeket az int\u00e9zked\u00e9seket bels\u0151 politik\u00e1jukkal \u00f6sszhangban hajtj\u00e1k v\u00e9gre.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">V\u00e1llalkoz\u00f3k<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A bankok meg\u00e1llapodtak abban, hogy az \u00fajonnan alap\u00edtott (legfeljebb hat h\u00f3napja) egy\u00e9ni v\u00e1llalkoz\u00e1sokn\u00e1l, amelyek \u00e9ves bev\u00e9tele az ad\u00f3z\u00e1s els\u0151 csoportja (magas kock\u00e1zat) szerint alakul, a v\u00e1llalkoz\u00e1s alap\u00edt\u00e1sa sor\u00e1n bevezetik az \u00fczleti tev\u00e9kenys\u00e9g\u00e9nek m\u00e9lyrehat\u00f3 tanulm\u00e1nyoz\u00e1s\u00e1t (az \u00fcgyf\u00e9l tev\u00e9kenys\u00e9g\u00e9nek l\u00e9nyege, k\u00f6re \u00e9s t\u00edpusa, szolg\u00e1ltat\u00e1sok\/term\u00e9kek t\u00edpusa, amelyek\u00e9rt az \u00fcgyf\u00e9l a bankhoz fordul, azon p\u00e9nz\u00fcgyi tranzakci\u00f3k mennyis\u00e9ge, amelyeket az \u00fcgyf\u00e9l a h\u00f3nap folyam\u00e1n a bankn\u00e1l lebonyol\u00edtani k\u00edv\u00e1n) \u00e9s a sz\u00e1mla fokozott ellen\u0151rz\u00e9se \u00fcgyletek a havi \u00e1tlagj\u00f6vedelem\/h\u00f3 \u00f6sszegnek megfelel\u0151en az ad\u00f3z\u00e1s els\u0151 csoportja.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az \u00e1ltal\u00e1nos ad\u00f3z\u00e1si rendszer\u0171 vagy a m\u00e1sodik \u00e9s harmadik csoportba tartoz\u00f3 egyszer\u0171s\u00edtett ad\u00f3rendszert alkalmaz\u00f3 v\u00e1llalkoz\u00f3kat az \u00fcgyf\u00e9l saj\u00e1t kock\u00e1zatorient\u00e1lt megk\u00f6zel\u00edt\u00e9se szerint vizsg\u00e1lj\u00e1k.<\/p>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\"><strong><a href=\"https:\/\/glavcom.ua\/economics\/personal-money\/obmezhennja-kartkovikh-perekaziv-najbilshi-banki-ukrajini-pidpisali-memorandum-1035423.html\" target=\"_blank\" rel=\"noreferrer noopener\">Forr\u00e1s<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&lt;!&#8211;translatorid:ild5234 &#8211;&gt;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ukrajna legnagyobb bankjai memorandumot \u00edrtak al\u00e1 \u201eA bankok \u00e1tutal\u00e1si piaca m\u0171k\u00f6d\u00e9s\u00e9nek \u00e1tl\u00e1that\u00f3s\u00e1g\u00e1r\u00f3l\u201d. A meg\u00e1llapod\u00e1s szerint a minim\u00e1lis \u00e1tutal\u00e1si limit havonta 50 ezer hrivnya szinten van meghat\u00e1rozva.<\/p>\n","protected":false},"author":12,"featured_media":55445,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1593,41,17,33],"tags":[490715,1559,78524],"class_list":["post-55463","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actual-hu","category-cikkek","category-surgos","category-ukrajna","tag-atutalasi-korlatozasok","tag-bankok","tag-memorandum-2"],"_links":{"self":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/55463","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=55463"}],"version-history":[{"count":1,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/55463\/revisions"}],"predecessor-version":[{"id":55464,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/posts\/55463\/revisions\/55464"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=\/wp\/v2\/media\/55445"}],"wp:attachment":[{"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=55463"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=55463"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/economic.karpat.in.ua\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=55463"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}