Nā panakō Turkish: nā lawelawe kālā no nā malihini - 2024

Banking in Turkey: He Introduction for Immigrants

ʻO ka neʻe ʻana i nā palena i kahi ʻāina hou, inā no nā manawa ʻoihana, kahi moʻomeheu hou a i ʻole e hauʻoli i ka lā a me ke kai, he huakaʻi hoihoi. ʻO Turkey, me kona mōʻaukala waiwai a me ka ʻāina kupaianaha, e huki ana i nā tausani o nā malihini mai nā wahi a pau o ka honua i kēlā me kēia makahiki. Akā ʻaʻohe kumu o kou noho ʻana ma ʻaneʻi, hoʻokahi mea i maopopo: ʻo nā lawelawe kālā he ʻāpana koʻikoʻi o kou ola ma Turkey. ʻO ka mea pōmaikaʻi, hāʻawi nā panakō Turkish i kahi ākea o nā lawelawe kūikawā no nā malihini a me nā haole. Ma kēia ʻatikala e nānā mākou i kekahi o kēia mau lawelawe a pehea e maʻalahi ai kou ola ma Turkey.

Nā hana kālā ma Turkey: Pehea e wehe ai i kahi waihona kālā ma ke ʻano he malihini

ʻO ka wehe ʻana i kahi waihona kālā ma Turkey ma ke ʻano he malihini hiki ke hana maʻalahi. Eia nā ʻanuʻu āu e pono ai e hahai:

1. E koho i ka panakō kūpono: Nui nā panakō ma Turkey, me nā panakō honua. E noiʻi i nā panakō like ʻole a me kā lākou hāʻawi ʻana e koho i ka mea kūpono i kāu pono.
2. Nā Palapala Pono: Pono ʻoe i nā palapala penei:
   • ʻO kahi palapala noho a i ʻole visa e hōʻoia ana i kou noho kānāwai ma Turkey.
   • ʻO kāu passport a i ʻole kāleka ID.
   • He helu ʻauhau Turkish (mai poina e noi no kēia inā ʻaʻole loaʻa iā ʻoe kekahi).
3. E kipa i kahi lālā panakō: E hele i ka lālā kūloko o kāu panakō koho. E hana i kahi manawa ma mua inā pono.
4. E hoʻopiha i ka palapala noi: E hāʻawi ka limahana panakō iā ʻoe i kahi palapala noi āu e hoʻopiha ai. Ma kēia palapala hāʻawi ʻoe i ka ʻike pilikino a me nā kikoʻī e pili ana i kou kūlana noho.
5. hōʻoia ʻike: E noi ʻia ʻoe e hōʻoia i kou ʻike me ka hoʻohana ʻana i kāu passport a i ʻole kāleka ID. E hana maʻamau nā limahana panakō i kope o kāu mau palapala.
6. Ka hōʻoia ʻana o kāu palapala noho: E nānā ka panakō i kāu palapala noho a i ʻole visa no ka hōʻoia ʻana aia ʻoe ma ka ʻāina ma ke kānāwai.
7. Kakau inoa ʻana i ka ʻaelike: E kau inoa ʻoe i kahi ʻaelike me ka panakō e hōʻike ana i nā ʻōlelo a me nā kūlana o ka waihona.
8. Waihona liʻiliʻi loa: Pono paha kekahi mau panakō i kahi waihona liʻiliʻi e wehe i ka moʻokāki. E hōʻoia ʻoe e hoʻokō i kēia mau koi.
9. Loaʻa i kāu kikoʻī moʻokāki: Ma hope o ka hōʻoia ʻana a me ka hoʻonohonoho ʻana i kāu moʻokāki, e loaʻa iā ʻoe nā kikoʻī o kāu moʻokāki, me ka helu moʻokāki a me ka IBAN (International Bank Account Number).
10. E hoʻonohonoho i ka waihona kālā pūnaewele: Hiki iā ʻoe ke hoʻonohonoho i ka panakō pūnaewele e hoʻokele i kāu moʻokāki ma ka pūnaewele a hana i nā hoʻoili.

He mea pono e hoʻokaʻaʻike i ka panakō i koho ʻia ma mua a i ʻole e kipa i kā lākou pūnaewele e ʻike i kā lākou mau koi a me nā palapala kikoʻī. Hiki ke hoʻololi ke kaʻina hana ma muli o ka panakō, akā ma ke ʻano maʻamau nā ʻanuʻu ma luna e kōkua iā ʻoe e wehe i kahi waihona waihona ma Turkey.

Vergi Kimlik Numarası: ʻO kēia kāu e noi ai no kāu helu ʻauhau Turkish ma ke ʻano he malihini ma Turkey

ʻO ka noi ʻana i kahi helu ʻauhau Turkish, ʻike ʻia ʻo "Vergi Kimlik Numarası" ma Turkish, he hana koʻikoʻi inā makemake ʻoe e alakaʻi i nā ʻoihana a i ʻole nā ​​​​hana kālā ma Turkey. Eia nā ʻanuʻu e hiki ai iā ʻoe ke hahai no ka noi ʻana i kahi helu ʻauhau Turkish:

1. E kipa i ke keʻena ʻauhau kūloko: Pono ʻoe e hele kino i ke keʻena ʻauhau kūloko (Vergi Dairesi) ma kahi āu e noho ai a i ʻole e hoʻolālā e hana i nā hana ʻoihana. Hiki iā ʻoe ke ʻike i nā wahi o nā keʻena ʻauhau ma ka pūnaewele Turkish Ministry of Finance a i ʻole ma ka ʻimi pūnaewele.
2. E hoʻomākaukau i nā palapala: Ma mua o kou hele ʻana i ke keʻena ʻauhau, pono ʻoe e hoʻomākaukau i kēia mau palapala:
   • ʻO kāu passport a i ʻole kāleka ID.
   • ʻO kāu palapala noho a i ʻole visa e hōʻoia ana i kou noho kānāwai ma Turkey.
   • He palapala hoʻopaʻa inoa (Adres Kayıt Belgesi) ma ke ʻano he hōʻoia o kāu ʻōlelo ma Turkey. Hiki iā ʻoe ke kiʻi i kēia mai ka mana o ka lehulehu kūloko (Nüfus Müdürlüğü).
3. E hoʻopiha i ka palapala noi: Ma ke keʻena ʻauhau e loaʻa iā ʻoe kahi palapala noi no ka helu ʻauhau. Pono ʻoe e hoʻopiha pono i kēia palapala a hāʻawi i nā ʻike āpau.
4. Ka waiho ʻana o ka palapala noi: E hoʻouna i ka palapala noi i hoʻopiha ʻia me nā palapala i ʻōlelo ʻia ma luna nei i ke keʻena ʻauhau. E nānā nā limahana i kāu mau palapala a e hoʻoponopono i kāu noi.
5. E kali manawa: Hiki ke ʻokoʻa ka manawa kaʻina hana no ka loaʻa ʻana o kahi helu ʻauhau Turkish, akā maʻa mau ia i kekahi mau lā i nā pule a hiki i ka loaʻa ʻana o kāu helu ʻauhau.
6. 6. Loaʻa ka helu ʻauhau: Ke ʻae ʻia kāu noi, e loaʻa iā ʻoe kāu helu ʻauhau Turkish ma ke kākau ʻana a i ʻole ka uila. Pono kēia helu no ka hana ʻana i nā ʻoihana a i ʻole nā ​​​​pili kālā ma Turkey.

He mea nui e hōʻoia i loaʻa iā ʻoe nā palapala a me nā ʻike pono a pau i hoʻomākaukau ʻia ma mua o ka hele ʻana i ke keʻena ʻauhau e wikiwiki i ke kaʻina noi. E hoʻomaopopo he ʻokoʻa paha nā koi a me nā kaʻina hana ma muli o kou kūlana immigration a me nā luna ʻauhau kūloko. Manaʻo ʻia e nānā me ka mana ʻauhau kūloko a i ʻole ka pūnaewele ʻo Turkish Ministry of Finance ma mua no nā koi a me nā kaʻina hana.

Ka palekana kālā ma Turkey: Pehea ka palekana o nā panakō Turkish no nā malihini?

ʻO ka palekana o nā panakō Turkish e pili ana i nā kumu like ʻole a manaʻo ʻia lākou he kūpaʻa a palekana. Eia kekahi mau mea e pili ana i ka palekana o nā panakō Turkish:

1. Hoʻoponopono a hoʻoponopono: Aia nā panakō ma Turkey i ka hoʻoponopono a me ka nānā ʻana e ka Banking Authority of Turkey (Bankacılık Düzenleme ve Denetleme Kurumu, BDDK) a me ka Central Bank of the Republic of Turkey (Türkiye Cumhuriyet Merkez Bankası, TCMB). Hoʻonohonoho kēia mau ʻoihana i nā kūlana koʻikoʻi a me nā lula no ka ʻoihana panakō e hōʻoia i ka paʻa a me ka palekana o nā mākeke kālā.
2. Palekana waihona: Loaʻa iā Turkey kahi ʻōnaehana ʻinikua e mālama i nā waihona kālā o nā mea kūʻai aku ma nā panakō Turkish. ʻO ia hoʻi, inā loaʻa ka insolvency a i ʻole ka hāʻule kālā, mālama ʻia nā waihona kālā a nā mea kūʻai aku a hiki i kahi nui loa. He 100.000 Turkish lira no ka mea kūʻai aku i kēlā me kēia waihona.
3. ʻO ke kūpaʻa o ka ʻoihana panakō Turkish: Ua hōʻoia ka ʻoihana panakō Turkish i ka ikaika i nā makahiki i hala iho nei a ua paʻa mau i ka wā pilikia. He hōʻailona kēia o ka ikaika a me ke kūpaʻa o ka māhele.
4. Nā kūlana honua: Nui nā panakō Turkish e pili ana i ka palekana o ka honua a me nā kūlana hoʻokō. Ke hana nei kekahi mau panakō Turkish nui ma ke ao holoʻokoʻa a kau ʻia i ka mākaʻikaʻi honua a me nā hana hoʻoponopono.
5. Palekana Online: Hāʻawi ka hapa nui o nā panakō Turkish i nā lawelawe waihona pūnaewele a hoʻopili nui i ka palekana o nā kālepa pūnaewele. Hoʻokō lākou i nā hana palekana holomua e like me ka hoʻopili ʻana a me ka hōʻoia ʻelua-factor e pale i ka ʻikepili o kā lākou mea kūʻai.

ʻOiai ʻo kēia mau hana palekana, ʻoi aku ka maikaʻi e hana i ka noiʻi akahele a ʻike e pili ana i ko lākou kūlana a me ka paʻa ma mua o ke koho ʻana i kahi panakō. He mea nui nō hoʻi e mālama i kāu palekana pilikino ma ka mālama ʻana i kāu ʻike panakō a me nā kikoʻī kikoʻī i ka hūnā a pale iā ʻoe iho mai ka hoʻopunipuni.

Ma keʻano holoʻokoʻa, ua manaʻo ʻia nā panakō Turkish he palekana a hilinaʻi hoʻi, akā e like me nā hoʻoholo kālā āpau, he mea nui e noʻonoʻo i nā pono pilikino a me ka hoʻomanawanui pilikia a hoʻopili i nā regulators pili inā loaʻa iā ʻoe kekahi hopohopo.

Banking ma Tureke: Nā Panakō kaulana no nā malihini a me nā malihini

Nui nā ʻano panakō ma Turkey, me nā panakō aupuni a me nā hui honua. Hiki ke ʻokoʻa ka kaulana o nā panakō ma waena o nā malihini a me nā haole mai kēlā me kēia kanaka, ma muli o nā pono a me nā makemake. Eia naʻe, eia kekahi o nā panakō Turkish kaulana loa i kaulana i waena o nā malihini a me nā haole.

1. ʻO ka panakō Ziraat: ʻO Ziraat Bankası ka mua loa a ʻo kekahi o nā panakō nui loa ma Turkey. Hāʻawi ia i kahi ākea o nā lawelawe kālā a he mau lālā ma nā kūlanakauhale he nui ma ka ʻāina.
2. Türkiye İş Bankası: ʻO Türkiye İş Bankası, a i ʻole İşbank wale nō, ʻo ia kekahi o nā panakō nui a kahiko loa ma Turkey. Hāʻawi ia i nā lawelawe piha a loaʻa kahi noho honua.
3. Hōʻoia BBVA: ʻO Garanti BBVA kahi panakō Turkish alakaʻi a he lālā o ka hui BBVA. Ua ʻike ʻia no kāna ʻenehana hou a me ka lawelawe mea kūʻai aku a ua loaʻa iā ia nā makana honua.
4. Akbank: ʻO Akbank kekahi o nā waihona pilikino nui loa ma Turkey a hāʻawi i kahi ākea o nā lawelawe kālā no nā poʻe a me nā hui.
5. ʻO Yapı Kredi Bankasi: ʻO Yapı Kredi kekahi panakō Turkish nui a hāʻawi i nā lawelawe waihona kālā a me nā lawelawe kālā i kahi ākea o nā mea kūʻai aku.
6. DenizBank: He ʻāpana ʻo DenizBank o ka hui Sberbank honua a hāʻawi i nā lawelawe waihona kālā no nā poʻe a me nā hui.
7. HSBC Turkish: ʻO HSBC kahi panakō honua e hana pū ana ma Turkey. Hāʻawi ia i nā lawelawe kūikawā i nā mea kūʻai aku o nā ʻāina ʻē a loaʻa kahi noho honua.
8. Citibank Turkiye: ʻO Citibank kahi panakō honua e hana pū ana ma Turkey a hāʻawi i nā lawelawe panakō i nā mea kūʻai aku.

ʻO ke koho ʻana i ka panakō e pili ana i nā kumu like ʻole, me kāu mau pono pilikino, kāu mau wahi lālā panakō makemake, nā lawelawe i hāʻawi ʻia a me nā hale uku. Ma mua o ke koho ʻana i kahi panakō, ʻoi aku ka maikaʻi e hoʻohālikelike i nā hāʻawi a me nā kūlana o nā panakō like ʻole a ʻike e pili ana i kā lākou lawelawe ponoʻī i mea e koho ai i ka mea i kūpono i kāu pono.

Nā panakō Turkish: ua maʻalahi nā manawa wehe a me nā kipa lālā

Hiki ke ʻokoʻa nā hola wehe o ka panakō Turkish mai ka panakō i ka panakō a me ka lālā i ka lālā. Eia nō naʻe, aia kekahi mau alakaʻi maʻamau e pili ana i ka hapa nui o nā panakō ma Turkey:

1. Nā lā o ka pule: Wehe ka hapa nui o nā panakō i ka Pōʻakahi a i ka Pōʻalima.
2. Nā hola wehe i ke kakahiaka: ʻO nā hola wehe kakahiaka o nā panakō mai ka hola 9:00 a.m. a i ka hola 12:00.
3. Hoʻomaha ʻaina awakea: Paʻa nā panakō he nui i ka wā hoʻomaha ʻaina awakea, ʻo ia ka mea maʻamau mai ka hola 12:00 a hiki i ka hola 13:30.
4. Nā manawa wehe ahiahi: Hoʻomaka maʻamau nā hola ahiahi ma 13:30 pm a hoʻomau a hiki i ka hola 17:00 pm a i ʻole 17:30 pm.
5. Pōʻaono: Wehe ʻia kekahi mau panakō i nā kakahiaka Pōʻaono, maʻamau mai ka hola 9:00 a.m. a i ka hola 12:00. Eia naʻe, ʻaʻole kēia ka hihia no nā panakō a pau.
6. Lāpule: Paʻa ka hapa nui o nā panakō i nā lā Sābati.

He mea nui e hoʻomaopopo i kēia mau hola wehe he mau alakaʻi maʻamau a ʻokoʻa paha ma ka panakō, ka ʻāina a me ka lālā. Hiki i kekahi mau panakō nui a me nā lālā ma nā kūlanakauhale ke hāʻawi i nā hola wehe lōʻihi, aʻo nā lālā liʻiliʻi ma nā kuaʻāina he pōkole paha nā hola wehe.

Inā makemake ʻoe e kipa i kahi panakō a i ʻole lālā kikoʻī, paipai wau e nānā i nā hola wehe pololei ma mua, ma ka pūnaewele o ka panakō a i ʻole ke kelepona pololei ʻana i ka lālā. Mālama kēia iā ʻoe ma kahi kūpono i ka manawa kūpono e hana ai i kāu waihona.

Ka Hopena:

Inā hele ʻoe i Turkey ma ke ʻano he malihini, hiki iā ʻoe ke hilinaʻi e hāʻawi nā panakō Turkish i nā lawelawe kālā i hoʻohālikelike ʻia i kāu mau pono. Mai nā moʻokāki kumu a me nā kāleka i ka ʻōlelo aʻoaʻo kālā piha, ua hoʻolaʻa ʻia nā panakō ma ʻaneʻi e hoʻolilo i kou ola ma Turkey me ka maʻalahi a me ka leʻaleʻa. Ma ke koho ʻana i nā lawelawe kūpono a me ka hoʻohana ʻana i nā makana maikaʻi loa, hiki iā ʻoe ke hoʻokō i kāu kālā e hiki mai ana ma Turkey. Inā ʻoe i hele mai i ʻaneʻi e hana, noho a huakaʻi paha, eia nā panakō Turkish e kōkua iā ʻoe e hōʻoia i kou manaʻo ma ka home.