{"id":2996,"date":"2024-06-07T23:43:09","date_gmt":"2024-06-08T02:43:09","guid":{"rendered":"https:\/\/bluerabbitech.com\/?p=2996"},"modified":"2025-06-07T23:48:52","modified_gmt":"2025-06-08T02:48:52","slug":"2996-2","status":"publish","type":"post","link":"https:\/\/bluerabbitech.com\/hr\/2996-2\/","title":{"rendered":"Detaljan vodi\u010d o tome kako provjeriti stanje na va\u0161em CTS ra\u010dunu."},"content":{"rendered":"<p data-start=\"270\" data-end=\"635\">Zna\u0161 <strong data-start=\"280\" data-end=\"321\">Koliko je iznosa akumulirano na va\u0161em CTS ra\u010dunu?<\/strong>Ako radite u privatnom sektoru u Peruu, ova pogodnost je jedna od va\u0161ih najve\u0107ih dugoro\u010dnih financijskih za\u0161tita.<\/p>\n<p data-start=\"270\" data-end=\"635\">No mnogi radnici ne provjeravaju redovito stanje na ra\u010dunu i na kraju propu\u0161taju prilike poput <strong data-start=\"554\" data-end=\"581\">najbolje kamatne stope<\/strong> ili \u010dak i ne shva\u0107aju\u0107i to <strong data-start=\"610\" data-end=\"634\">Neto\u010dni depoziti<\/strong>.<\/p>\n<p data-start=\"637\" data-end=\"866\">Stoga \u0107emo u ovom \u010dlanku pokazati <strong data-start=\"674\" data-end=\"706\">Kako provjeriti stanje na va\u0161em CTS ra\u010dunu<\/strong>, objasniti <strong data-start=\"717\" data-end=\"767\">Za\u0161to je pra\u0107enje ovog ra\u010duna toliko va\u017eno?<\/strong> i nau\u010diti te kako \u010dak mo\u017ee\u0161 <strong data-start=\"797\" data-end=\"865\">Prebacite stanje u drugu banku koja nudi vi\u0161e pogodnosti.<\/strong>.<\/p>\n<p data-start=\"868\" data-end=\"931\">\ud83d\udc49 Pro\u010ditajte do kraja i preuzmite kontrolu nad svojom financijskom budu\u0107no\u0161\u0107u!<\/p>\n<h2 data-start=\"938\" data-end=\"998\">\ud83d\udccc <strong data-start=\"944\" data-end=\"998\">\u0160to je CTS i za\u0161to biste trebali pratiti svoj saldo?<\/strong><\/h2>\n<p data-start=\"1000\" data-end=\"1236\">THE <strong data-start=\"1002\" data-end=\"1044\">Naknada za radni sta\u017e (CTS)<\/strong> to je <strong data-start=\"1050\" data-end=\"1093\">Obavezni zakon o radu u Peruu<\/strong>, ispla\u0107en formalnim radnicima u privatnom sektoru. Iznos odgovara otprilike <strong data-start=\"1180\" data-end=\"1235\">godi\u0161nja pla\u0107a podijeljena na dva depozita godi\u0161nje<\/strong>:<\/p>\n<ul data-start=\"1238\" data-end=\"1271\">\n<li data-start=\"1238\" data-end=\"1253\">\n<p data-start=\"1240\" data-end=\"1253\">U <strong data-start=\"1243\" data-end=\"1251\">svibanj<\/strong><\/p>\n<\/li>\n<li data-start=\"1254\" data-end=\"1271\">\n<p data-start=\"1256\" data-end=\"1271\">U <strong data-start=\"1259\" data-end=\"1271\">studeni<\/strong><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1273\" data-end=\"1554\">Cilj CTS-a je slu\u017eiti kao <strong data-start=\"1309\" data-end=\"1340\">financijska sigurnosna mre\u017ea<\/strong> Ako radnik ostane bez posla ili mu istekne ugovor o radu. <strong data-start=\"1412\" data-end=\"1554\">Ali \u010dak i dok ste zaposleni, mo\u017eete pratiti stanje na svom CTS ra\u010dunu i osigurati da se novac ispravno pola\u017ee i ostvaruje dobru kamatu.<\/strong><\/p>\n<h3 data-start=\"1556\" data-end=\"1590\">Za\u0161to provjeravati stanje na CTS ra\u010dunu?<\/h3>\n<ul data-start=\"1592\" data-end=\"1874\">\n<li data-start=\"1592\" data-end=\"1653\">\n<p data-start=\"1594\" data-end=\"1653\"><strong data-start=\"1594\" data-end=\"1653\">Provjerite upla\u0107uje li poslodavac ispravne depozite.<\/strong><\/p>\n<\/li>\n<li data-start=\"1654\" data-end=\"1702\">\n<p data-start=\"1656\" data-end=\"1702\"><strong data-start=\"1656\" data-end=\"1702\">Pratite kamate koje generira CTS ra\u010dun.<\/strong><\/p>\n<\/li>\n<li data-start=\"1703\" data-end=\"1804\">\n<p data-start=\"1705\" data-end=\"1804\"><strong data-start=\"1705\" data-end=\"1804\">Usporedite kamatne stope izme\u0111u banaka i, ako je potrebno, prebacite sredstva na povoljniji ra\u010dun.<\/strong><\/p>\n<\/li>\n<li data-start=\"1805\" data-end=\"1874\">\n<p data-start=\"1807\" data-end=\"1874\"><strong data-start=\"1807\" data-end=\"1874\">Planirajte budu\u0107e kori\u0161tenje ovog resursa kao fonda za hitne slu\u010dajeve.<\/strong><\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"1881\" data-end=\"1948\">\ud83d\udee0\ufe0f <strong data-start=\"1888\" data-end=\"1948\">Kako provjeriti stanje na CTS ra\u010dunu u Peruu: 5 jednostavnih na\u010dina<\/strong><\/h2>\n<p data-start=\"1950\" data-end=\"2075\">Danas je provjera stanja na va\u0161em CTS ra\u010dunu puno prakti\u010dnija zahvaljuju\u0107i digitalnim platformama. Pogledajte... <strong data-start=\"2041\" data-end=\"2074\">br\u017ei i sigurniji na\u010dini<\/strong>:<\/p>\n<h3 data-start=\"2077\" data-end=\"2123\">1\ufe0f\u20e3 <strong data-start=\"2085\" data-end=\"2123\">Internet bankarstvo (online konzultacije)<\/strong><\/h3>\n<p data-start=\"2125\" data-end=\"2185\">Najpopularniji i najpristupa\u010dniji na\u010din provjere stanja.<\/p>\n<p data-start=\"2187\" data-end=\"2198\"><strong data-start=\"2187\" data-end=\"2198\">Koraci:<\/strong><\/p>\n<ol data-start=\"2200\" data-end=\"2594\">\n<li data-start=\"2200\" data-end=\"2438\">\n<p data-start=\"2203\" data-end=\"2438\">Pristupite slu\u017ebenoj web stranici svoje banke (primjer: <a class=\"\" href=\"https:\/\/www.viabcp.com\/\" target=\"_new\" rel=\"noopener\" data-start=\"2248\" data-end=\"2278\">BCP<\/a>, <a class=\"\" href=\"https:\/\/www.bbva.pe\/\" target=\"_new\" rel=\"noopener\" data-start=\"2280\" data-end=\"2308\">BBVA<\/a>, <a class=\"\" href=\"https:\/\/interbank.pe\/\" target=\"_new\" rel=\"noopener\" data-start=\"2310\" data-end=\"2344\">Me\u0111ubankarsko<\/a>, <a class=\"\" href=\"https:\/\/www.scotiabank.com.pe\/\" target=\"_new\" rel=\"noopener\" data-start=\"2346\" data-end=\"2390\">Scotiabank<\/a>, <a class=\"\" href=\"https:\/\/www.bn.com.pe\/\" target=\"_new\" rel=\"noopener\" data-start=\"2392\" data-end=\"2436\">Banka nacije<\/a>).<\/p>\n<\/li>\n<li data-start=\"2439\" data-end=\"2477\">\n<p data-start=\"2442\" data-end=\"2477\">Prijavite se sa svojim korisni\u010dkim imenom i lozinkom.<\/p>\n<\/li>\n<li data-start=\"2478\" data-end=\"2522\">\n<p data-start=\"2481\" data-end=\"2522\">Idite na odjeljak &quot;\u201c<strong data-start=\"2497\" data-end=\"2507\">Ra\u010duni<\/strong>\u201d&quot; ili &quot;\u201c<strong data-start=\"2513\" data-end=\"2520\">CTS<\/strong>\u201c&quot;.<\/p>\n<\/li>\n<li data-start=\"2523\" data-end=\"2594\">\n<p data-start=\"2526\" data-end=\"2594\">Pogledajte raspolo\u017eivi saldo, obra\u010dunatu kamatu i nedavne transakcije.<\/p>\n<\/li>\n<\/ol>\n<p data-start=\"2596\" data-end=\"2700\"><strong data-start=\"2596\" data-end=\"2609\">SEO savjet:<\/strong> uvijek dajte prioritet pristupu web stranici <strong data-start=\"2641\" data-end=\"2661\">bankovni slu\u017ebenik<\/strong>, izbjegavaju\u0107i neovla\u0161tene aplikacije.<\/p>\n<h3 data-start=\"2707\" data-end=\"2744\">2\ufe0f\u20e3 <strong data-start=\"2715\" data-end=\"2744\">Mobilna aplikacija banke<\/strong><\/h3>\n<p data-start=\"2746\" data-end=\"2805\">Idealno za one koji \u017eele imati <strong data-start=\"2773\" data-end=\"2804\">CTS stanje uvijek na va\u0161em mobilnom telefonu.<\/strong>.<\/p>\n<p data-start=\"2807\" data-end=\"2818\"><strong data-start=\"2807\" data-end=\"2818\">Koraci:<\/strong><\/p>\n<ol data-start=\"2820\" data-end=\"3071\">\n<li data-start=\"2820\" data-end=\"2955\">\n<p data-start=\"2823\" data-end=\"2955\">Preuzmite slu\u017ebenu aplikaciju svoje banke (dostupnu za <a class=\"\" href=\"https:\/\/play.google.com\/store\" target=\"_new\" rel=\"noopener\" data-start=\"2880\" data-end=\"2920\">Android<\/a> i <a class=\"\" href=\"https:\/\/apps.apple.com\/\" target=\"_new\" rel=\"noopener\" data-start=\"2923\" data-end=\"2953\">iOS<\/a>).<\/p>\n<\/li>\n<li data-start=\"2956\" data-end=\"2985\">\n<p data-start=\"2959\" data-end=\"2985\">Prijavite se sa svojim podacima.<\/p>\n<\/li>\n<li data-start=\"2986\" data-end=\"3038\">\n<p data-start=\"2989\" data-end=\"3038\">U podru\u010dju &quot;\u201c<strong data-start=\"3001\" data-end=\"3011\">Ra\u010duni<\/strong>\u201cOdaberite svoj CTS ra\u010dun.<\/p>\n<\/li>\n<li data-start=\"3039\" data-end=\"3071\">\n<p data-start=\"3042\" data-end=\"3071\">Pogledajte svoj saldo i kamate.<\/p>\n<\/li>\n<\/ol>\n<p data-start=\"3073\" data-end=\"3160\"><strong data-start=\"3073\" data-end=\"3086\">Prednost:<\/strong> Aplikacija obi\u010dno pru\u017ea obavijesti kad god se izvr\u0161i CTS depozit.<\/p>\n<h3 data-start=\"3167\" data-end=\"3195\">3\ufe0f\u20e3 <strong data-start=\"3175\" data-end=\"3195\">bankomat<\/strong><\/h3>\n<p data-start=\"3197\" data-end=\"3283\">Ako ne koristite aplikaciju ili internetsko bankarstvo, i dalje mo\u017eete osobno provjeriti.<\/p>\n<p data-start=\"3285\" data-end=\"3296\"><strong data-start=\"3285\" data-end=\"3296\">Koraci:<\/strong><\/p>\n<ol data-start=\"3298\" data-end=\"3497\">\n<li data-start=\"3298\" data-end=\"3367\">\n<p data-start=\"3301\" data-end=\"3367\">Unesite svoju debitnu karticu (povezanu s ra\u010dunom na koji primate CTS).<\/p>\n<\/li>\n<li data-start=\"3368\" data-end=\"3388\">\n<p data-start=\"3371\" data-end=\"3388\">Unesite svoju lozinku.<\/p>\n<\/li>\n<li data-start=\"3389\" data-end=\"3422\">\n<p data-start=\"3392\" data-end=\"3422\">Izbor &quot;\u201c<strong data-start=\"3401\" data-end=\"3420\">Provjerite stanje<\/strong>\u201c&quot;.<\/p>\n<\/li>\n<li data-start=\"3423\" data-end=\"3497\">\n<p data-start=\"3426\" data-end=\"3497\">Odaberite &quot;\u201c<strong data-start=\"3437\" data-end=\"3450\">CTS ra\u010dun<\/strong>\u201di pogledajte ra\u010dun na zaslonu ili ga isprintajte.<\/p>\n<\/li>\n<\/ol>\n<h3 data-start=\"3504\" data-end=\"3549\">4\ufe0f\u20e3 <strong data-start=\"3512\" data-end=\"3549\">Telefonski centar za korisni\u010dku podr\u0161ku<\/strong><\/h3>\n<p data-start=\"3551\" data-end=\"3618\">Jedna alternativa je poziv korisni\u010dke slu\u017ebe va\u0161e banke.<\/p>\n<p data-start=\"3620\" data-end=\"3631\"><strong data-start=\"3620\" data-end=\"3631\">Koraci:<\/strong><\/p>\n<ol data-start=\"3633\" data-end=\"3892\">\n<li data-start=\"3633\" data-end=\"3741\">\n<p data-start=\"3636\" data-end=\"3741\">Nazovite slu\u017ebeni broj korisni\u010dke slu\u017ebe svoje banke (npr. <strong data-start=\"3698\" data-end=\"3705\">BCP<\/strong> 311-9898, <strong data-start=\"3716\" data-end=\"3724\">BBVA<\/strong> 595-0000, itd.).<\/p>\n<\/li>\n<li data-start=\"3742\" data-end=\"3796\">\n<p data-start=\"3745\" data-end=\"3796\">Odaberite opciju &quot;\u201c<strong data-start=\"3762\" data-end=\"3794\">Provjerite stanje na svom CTS ra\u010dunu.<\/strong>\u201c&quot;.<\/p>\n<\/li>\n<li data-start=\"3797\" data-end=\"3853\">\n<p data-start=\"3800\" data-end=\"3853\">Molimo vas da navedete broj ra\u010duna i identifikacijske podatke.<\/p>\n<\/li>\n<li data-start=\"3854\" data-end=\"3892\">\n<p data-start=\"3857\" data-end=\"3892\">Primite informacije telefonom.<\/p>\n<\/li>\n<\/ol>\n<h3 data-start=\"3899\" data-end=\"3941\">5\ufe0f\u20e3 <strong data-start=\"3907\" data-end=\"3941\">Osobne konzultacije u agenciji.<\/strong><\/h3>\n<p data-start=\"3943\" data-end=\"4017\">Ako trebate rije\u0161iti nerije\u0161ene probleme ili \u017eelite personaliziranu pomo\u0107.<\/p>\n<p data-start=\"4019\" data-end=\"4035\"><strong data-start=\"4019\" data-end=\"4035\">\u0160to ponijeti:<\/strong><\/p>\n<ul data-start=\"4037\" data-end=\"4116\">\n<li data-start=\"4037\" data-end=\"4068\">\n<p data-start=\"4039\" data-end=\"4068\">Identifikacijski dokument (DNI)<\/p>\n<\/li>\n<li data-start=\"4069\" data-end=\"4085\">\n<p data-start=\"4071\" data-end=\"4085\">Podaci o ra\u010dunu<\/p>\n<\/li>\n<li data-start=\"4086\" data-end=\"4116\">\n<p data-start=\"4088\" data-end=\"4116\">Broj korisnika (ako je primjenjivo)<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4118\" data-end=\"4177\">Zamolite djelatnika da vam provjeri stanje na CTS ra\u010dunu.<\/p>\n<h2 data-start=\"4184\" data-end=\"4249\">\ud83d\udd04 <strong data-start=\"4190\" data-end=\"4249\">Mogu li prenijeti svoj CTS u banku s boljom kamatnom stopom?<\/strong><\/h2>\n<p data-start=\"4251\" data-end=\"4288\"><strong data-start=\"4251\" data-end=\"4259\">Da!<\/strong> To je zajam\u010deno zakonom.<\/p>\n<h3 data-start=\"4290\" data-end=\"4325\">Koraci za prijenos va\u0161eg CTS-a:<\/h3>\n<ol data-start=\"4327\" data-end=\"4745\">\n<li data-start=\"4327\" data-end=\"4528\">\n<p data-start=\"4330\" data-end=\"4528\"><strong data-start=\"4330\" data-end=\"4390\">Istra\u017eite banke koje nude najbolje kamatne stope za CTS.<\/strong> (Rangiranje ocjena periodi\u010dki a\u017eurira portal <a class=\"cursor-pointer\" target=\"_new\" rel=\"noopener\" data-start=\"4454\" data-end=\"4526\">SBS \u2013 Nadzorni\u0161tvo bankarstva, osiguranja i AFP-a<\/a>).<\/p>\n<\/li>\n<li data-start=\"4529\" data-end=\"4575\">\n<p data-start=\"4532\" data-end=\"4575\">Otvorite novi CTS ra\u010dun u odabranoj banci.<\/p>\n<\/li>\n<li data-start=\"4576\" data-end=\"4671\">\n<p data-start=\"4579\" data-end=\"4671\">Pismeno zatra\u017eite da va\u0161 poslodavac usmjeri budu\u0107e uplate na novi ra\u010dun.<\/p>\n<\/li>\n<li data-start=\"4672\" data-end=\"4745\">\n<p data-start=\"4675\" data-end=\"4745\">Zatra\u017eite prijenos trenutnog stanja sa starog ra\u010duna na novi ra\u010dun.<\/p>\n<\/li>\n<\/ol>\n<p data-start=\"4747\" data-end=\"4927\">\ud83d\udc49 <strong data-start=\"4750\" data-end=\"4765\">Va\u017eno:<\/strong> mo\u017eete se konzultirati s <strong data-start=\"4789\" data-end=\"4821\">Najbolje cijene za CTS ovdje<\/strong>: <a class=\"cursor-pointer\" target=\"_new\" rel=\"noopener\" data-start=\"4823\" data-end=\"4927\">CTS-SBS rangiranje stopa<\/a><\/p>\n<h2 data-start=\"4934\" data-end=\"4983\">\ud83d\udca1 <strong data-start=\"4940\" data-end=\"4983\">Dodatni savjeti za u\u010dinkovito upravljanje CTS-om<\/strong><\/h2>\n<ul data-start=\"4985\" data-end=\"5364\">\n<li data-start=\"4985\" data-end=\"5099\">\n<p data-start=\"4987\" data-end=\"5099\"><strong data-start=\"4987\" data-end=\"5035\">Provjerite stanje na ra\u010dunu barem svaka 2 mjeseca.<\/strong>, posebno nakon razdoblja podno\u0161enja zahtjeva (svibanj i studeni).<\/p>\n<\/li>\n<li data-start=\"5100\" data-end=\"5157\">\n<p data-start=\"5102\" data-end=\"5157\">Redovito uspore\u0111ujte kamatne stope izme\u0111u banaka.<\/p>\n<\/li>\n<li data-start=\"5158\" data-end=\"5280\">\n<p data-start=\"5160\" data-end=\"5280\">Ako je mogu\u0107e, odaberite banku koja nudi <strong data-start=\"5202\" data-end=\"5249\">mjese\u010dna ili kvartalna kapitalizacija kamata<\/strong> (To pove\u0107ava va\u0161e prihode).<\/p>\n<\/li>\n<li data-start=\"5281\" data-end=\"5364\">\n<p data-start=\"5283\" data-end=\"5364\">Nikada ne koristite CTS za impulzivno tro\u0161enje - zadr\u017eite ga kao <strong data-start=\"5338\" data-end=\"5363\">fond za hitne slu\u010dajeve<\/strong>.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"5371\" data-end=\"5389\">\u2705 <strong data-start=\"5376\" data-end=\"5389\">Zaklju\u010dak<\/strong><\/h2>\n<p data-start=\"5391\" data-end=\"5666\">Znati <strong data-start=\"5397\" data-end=\"5437\">Kako provjeriti stanje na va\u0161em CTS ra\u010dunu u Peruu<\/strong> To je jednostavna praksa koju bi svaki radnik trebao usvojiti. S raznim dostupnim online i offline opcijama mo\u017eete kontrolirati svoje uplate, osigurati da primate ispravne iznose i prona\u0107i najbolje uvjete za svoj novac.<\/p>\n<p data-start=\"5668\" data-end=\"5821\">Zapamtite: <strong data-start=\"5679\" data-end=\"5804\">Ugovor o radnom vremenu (CTS) nije samo pravo iz radnog odnosa, ve\u0107 jedan od najsigurnijih i najpovoljnijih instrumenata \u0161tednje koje imate.<\/strong> U\u017eivaj dok traje!<\/p>\n<p data-start=\"5823\" data-end=\"5939\">\ud83d\udc49 Ako jo\u0161 niste provjerili stanje na ra\u010dunu ovog semestra, odmah pristupite svom bankovnom ra\u010dunu i provjerite ga! Va\u0161e budu\u0107e ja \u0107e vam biti zahvalno. \ud83d\ude80<\/p>","protected":false},"excerpt":{"rendered":"<p>Voc\u00ea sabe quanto tem acumulado no seu saldo CTS? Se voc\u00ea trabalha no setor privado no Peru, esse benef\u00edcio \u00e9 uma das suas maiores prote\u00e7\u00f5es&#8230;<\/p>","protected":false},"author":1,"featured_media":3000,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[1415,1414,1412,1418,1416,1419,1100,1413,1420,1417],"class_list":["post-2996","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-informacoes","tag-bancosperu","tag-consultacts","tag-ctsperu","tag-dicasfinanceiras","tag-educacaofinanceira","tag-pouparcts","tag-rendaextra","tag-saldocts","tag-segurancafinanceira","tag-trabalhadorperuano"],"_links":{"self":[{"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/posts\/2996","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/comments?post=2996"}],"version-history":[{"count":4,"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/posts\/2996\/revisions"}],"predecessor-version":[{"id":3002,"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/posts\/2996\/revisions\/3002"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/media\/3000"}],"wp:attachment":[{"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/media?parent=2996"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/categories?post=2996"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/tags?post=2996"}],"curies":[{"name":"radni list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}