{"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\/sl\/2996-2\/","title":{"rendered":"Navodila po korakih za preverjanje stanja na va\u0161em ra\u010dunu CTS"},"content":{"rendered":"<p data-start=\"270\" data-end=\"635\">Ve\u0161 <strong data-start=\"280\" data-end=\"321\">Koliko se je nabralo na va\u0161em stanju CTS?<\/strong>\u010ce delate v zasebnem sektorju v Peruju, je ta ugodnost ena va\u0161ih najve\u010djih dolgoro\u010dnih finan\u010dnih za\u0161\u010dit.<\/p>\n<p data-start=\"270\" data-end=\"635\">Toda mnogi delavci ne preverjajo svojega stanja redno in na koncu zamudijo prilo\u017enosti, kot so <strong data-start=\"554\" data-end=\"581\">najbolj\u0161e obrestne mere<\/strong> ali pa se tega niti ne zavedajo <strong data-start=\"610\" data-end=\"634\">Napa\u010dna vpla\u010dila<\/strong>.<\/p>\n<p data-start=\"637\" data-end=\"866\">Zato bomo v tem \u010dlanku pokazali <strong data-start=\"674\" data-end=\"706\">Kako preveriti stanje na va\u0161em ra\u010dunu CTS<\/strong>, razlo\u017eiti <strong data-start=\"717\" data-end=\"767\">Zakaj je spremljanje tega ra\u010duna tako pomembno?<\/strong> in te nau\u010dim, kako lahko celo <strong data-start=\"797\" data-end=\"865\">Prenesite stanje na drugo banko, ki ponuja ve\u010d ugodnosti.<\/strong>.<\/p>\n<p data-start=\"868\" data-end=\"931\">\ud83d\udc49 Preberite do konca in prevzemite nadzor nad svojo finan\u010dno prihodnostjo!<\/p>\n<h2 data-start=\"938\" data-end=\"998\">\ud83d\udccc <strong data-start=\"944\" data-end=\"998\">Kaj je CTS in zakaj bi morali spremljati svoje stanje?<\/strong><\/h2>\n<p data-start=\"1000\" data-end=\"1236\">TA <strong data-start=\"1002\" data-end=\"1044\">Nadomestilo za delovno dobo (CTS)<\/strong> to je <strong data-start=\"1050\" data-end=\"1093\">Obvezno delovno pravo v Peruju<\/strong>, izpla\u010danih formalnim delavcem v zasebnem sektorju. Znesek ustreza pribli\u017eno <strong data-start=\"1180\" data-end=\"1235\">letna pla\u010da, razdeljena na dva letna depozita<\/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\">V <strong data-start=\"1243\" data-end=\"1251\">Maj<\/strong><\/p>\n<\/li>\n<li data-start=\"1254\" data-end=\"1271\">\n<p data-start=\"1256\" data-end=\"1271\">V <strong data-start=\"1259\" data-end=\"1271\">November<\/strong><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1273\" data-end=\"1554\">Cilj CTS je slu\u017eiti kot <strong data-start=\"1309\" data-end=\"1340\">finan\u010dna varnostna mre\u017ea<\/strong> \u010ce delavec postane brezposeln ali se mu pogodba o zaposlitvi izte\u010de. <strong data-start=\"1412\" data-end=\"1554\">Toda tudi ko ste zaposleni, lahko spremljate stanje na svojem ra\u010dunu CTS in zagotovite, da je denar pravilno nakazan in prina\u0161a dobre obresti.<\/strong><\/p>\n<h3 data-start=\"1556\" data-end=\"1590\">Zakaj preveriti stanje na ra\u010dunu CTS?<\/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\">Preverite, ali delodajalec nakazuje pravilne akontacije.<\/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\">Spremljajte obresti, ki jih ustvari ra\u010dun CTS.<\/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\">Primerjajte obrestne mere med bankami in po potrebi naka\u017eite na ugodnej\u0161i 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\">Na\u010drtujte prihodnjo uporabo tega vira kot sklad za nujne primere.<\/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 preveriti stanje na ra\u010dunu CTS v Peruju: 5 preprostih na\u010dinov<\/strong><\/h2>\n<p data-start=\"1950\" data-end=\"2075\">Danes je preverjanje stanja na va\u0161em ra\u010dunu CTS veliko bolj priro\u010dno zaradi digitalnih platform. Oglejte si ... <strong data-start=\"2041\" data-end=\"2074\">hitrej\u0161i in varnej\u0161i na\u010dini<\/strong>:<\/p>\n<h3 data-start=\"2077\" data-end=\"2123\">1\ufe0f\u20e3 <strong data-start=\"2085\" data-end=\"2123\">Internetno ban\u010dni\u0161tvo (spletno svetovanje)<\/strong><\/h3>\n<p data-start=\"2125\" data-end=\"2185\">Najbolj priljubljen in dostopen na\u010din za preverjanje stanja.<\/p>\n<p data-start=\"2187\" data-end=\"2198\"><strong data-start=\"2187\" data-end=\"2198\">Koraki:<\/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\">Obi\u0161\u010dite uradno spletno stran va\u0161e banke (na primer: <a class=\"\" href=\"https:\/\/www.viabcp.com\/\" target=\"_new\" rel=\"noopener\" data-start=\"2248\" data-end=\"2278\">Mejni nadzor<\/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\">Medban\u010dno<\/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 naroda<\/a>).<\/p>\n<\/li>\n<li data-start=\"2439\" data-end=\"2477\">\n<p data-start=\"2442\" data-end=\"2477\">Prijavite se s svojim uporabni\u0161kim imenom in geslom.<\/p>\n<\/li>\n<li data-start=\"2478\" data-end=\"2522\">\n<p data-start=\"2481\" data-end=\"2522\">Pojdite na razdelek \u201c<strong data-start=\"2497\" data-end=\"2507\">Ra\u010duni<\/strong>\u201d&quot; ali &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\">Oglejte si razpolo\u017eljivo stanje, obra\u010dunane obresti in nedavne transakcije.<\/p>\n<\/li>\n<\/ol>\n<p data-start=\"2596\" data-end=\"2700\"><strong data-start=\"2596\" data-end=\"2609\">Nasvet za SEO:<\/strong> vedno dajte prednost dostopu do spletnega mesta <strong data-start=\"2641\" data-end=\"2661\">ban\u010dni uradnik<\/strong>, s \u010dimer se izognete nepoobla\u0161\u010denim aplikacijam.<\/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 tiste, ki \u017eelijo imeti <strong data-start=\"2773\" data-end=\"2804\">Stanje CTS je vedno na va\u0161em mobilnem telefonu.<\/strong>.<\/p>\n<p data-start=\"2807\" data-end=\"2818\"><strong data-start=\"2807\" data-end=\"2818\">Koraki:<\/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\">Prenesite uradno aplikacijo svoje banke (na voljo za <a class=\"\" href=\"https:\/\/play.google.com\/store\" target=\"_new\" rel=\"noopener\" data-start=\"2880\" data-end=\"2920\">Android<\/a> in <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 s svojimi podatki.<\/p>\n<\/li>\n<li data-start=\"2986\" data-end=\"3038\">\n<p data-start=\"2989\" data-end=\"3038\">Na obmo\u010dju &quot;\u201c<strong data-start=\"3001\" data-end=\"3011\">Ra\u010duni<\/strong>\u201cIzberite svoj ra\u010dun CTS.<\/p>\n<\/li>\n<li data-start=\"3039\" data-end=\"3071\">\n<p data-start=\"3042\" data-end=\"3071\">Oglejte si stanje in obresti.<\/p>\n<\/li>\n<\/ol>\n<p data-start=\"3073\" data-end=\"3160\"><strong data-start=\"3073\" data-end=\"3086\">Prednost:<\/strong> Aplikacija obi\u010dajno obvesti uporabnika vsaki\u010d, ko je opravljen depozit CTS.<\/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\">\u010ce ne uporabljate aplikacije ali spletnega ban\u010dni\u0161tva, lahko \u0161e vedno opravite osebno prijavo.<\/p>\n<p data-start=\"3285\" data-end=\"3296\"><strong data-start=\"3285\" data-end=\"3296\">Koraki:<\/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\">Vnesite svojo debetno kartico (povezano z ra\u010dunom, na katerega prejemate CTS).<\/p>\n<\/li>\n<li data-start=\"3368\" data-end=\"3388\">\n<p data-start=\"3371\" data-end=\"3388\">Vnesite svoje geslo.<\/p>\n<\/li>\n<li data-start=\"3389\" data-end=\"3422\">\n<p data-start=\"3392\" data-end=\"3422\">Izbira &quot;\u201c<strong data-start=\"3401\" data-end=\"3420\">Preverite stanje<\/strong>\u201c&quot;.<\/p>\n<\/li>\n<li data-start=\"3423\" data-end=\"3497\">\n<p data-start=\"3426\" data-end=\"3497\">Izberite \u201c<strong data-start=\"3437\" data-end=\"3450\">Ra\u010dun CTS<\/strong>\u201din si oglejte ra\u010dun na zaslonu ali ga natisnite.<\/p>\n<\/li>\n<\/ol>\n<h3 data-start=\"3504\" data-end=\"3549\">4\ufe0f\u20e3 <strong data-start=\"3512\" data-end=\"3549\">Telefonski center za pomo\u010d strankam<\/strong><\/h3>\n<p data-start=\"3551\" data-end=\"3618\">Ena od mo\u017enosti je, da pokli\u010dete slu\u017ebo za stranke va\u0161e banke.<\/p>\n<p data-start=\"3620\" data-end=\"3631\"><strong data-start=\"3620\" data-end=\"3631\">Koraki:<\/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\">Pokli\u010dite uradno \u0161tevilko slu\u017ebe za stranke va\u0161e banke (npr. <strong data-start=\"3698\" data-end=\"3705\">Mejni nadzor<\/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\">Izberite mo\u017enost \u201c<strong data-start=\"3762\" data-end=\"3794\">Preverite stanje na svojem ra\u010dunu CTS.<\/strong>\u201c&quot;.<\/p>\n<\/li>\n<li data-start=\"3797\" data-end=\"3853\">\n<p data-start=\"3800\" data-end=\"3853\">Prosimo, navedite \u0161tevilko ra\u010duna in identifikacijske podatke.<\/p>\n<\/li>\n<li data-start=\"3854\" data-end=\"3892\">\n<p data-start=\"3857\" data-end=\"3892\">Informacije prejmete po telefonu.<\/p>\n<\/li>\n<\/ol>\n<h3 data-start=\"3899\" data-end=\"3941\">5\ufe0f\u20e3 <strong data-start=\"3907\" data-end=\"3941\">Osebno posvetovanje v agenciji.<\/strong><\/h3>\n<p data-start=\"3943\" data-end=\"4017\">\u010ce morate re\u0161iti nere\u0161ene te\u017eave ali \u017eelite osebno pomo\u010d.<\/p>\n<p data-start=\"4019\" data-end=\"4035\"><strong data-start=\"4019\" data-end=\"4035\">Kaj prinesti:<\/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\">Osebni dokument (DNI)<\/p>\n<\/li>\n<li data-start=\"4069\" data-end=\"4085\">\n<p data-start=\"4071\" data-end=\"4085\">Podrobnosti o ra\u010dunu<\/p>\n<\/li>\n<li data-start=\"4086\" data-end=\"4116\">\n<p data-start=\"4088\" data-end=\"4116\">\u0160tevilka stranke (\u010de je primerno)<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4118\" data-end=\"4177\">Prosite uslu\u017ebenca neposredno, da preveri stanje na va\u0161em ra\u010dunu CTS.<\/p>\n<h2 data-start=\"4184\" data-end=\"4249\">\ud83d\udd04 <strong data-start=\"4190\" data-end=\"4249\">Ali lahko prenesem svoj CTS v banko z ugodnej\u0161o obrestno mero?<\/strong><\/h2>\n<p data-start=\"4251\" data-end=\"4288\"><strong data-start=\"4251\" data-end=\"4259\">Ja!<\/strong> To je zagotovljeno z zakonom.<\/p>\n<h3 data-start=\"4290\" data-end=\"4325\">Koraki za prenos va\u0161ega CTS-ja:<\/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\">Razi\u0161\u010dite banke, ki ponujajo najbolj\u0161e obrestne mere za CTS.<\/strong> (Lestvico redno posodablja portal <a class=\"cursor-pointer\" target=\"_new\" rel=\"noopener\" data-start=\"4454\" data-end=\"4526\">SBS \u2013 Nadzorni\u0161tvo ban\u010dni\u0161tva, zavarovalni\u0161tva in AFP<\/a>).<\/p>\n<\/li>\n<li data-start=\"4529\" data-end=\"4575\">\n<p data-start=\"4532\" data-end=\"4575\">Odprite nov ra\u010dun CTS pri izbrani banki.<\/p>\n<\/li>\n<li data-start=\"4576\" data-end=\"4671\">\n<p data-start=\"4579\" data-end=\"4671\">Pisno zahtevajte, da va\u0161 delodajalec prihodnja nakazila nalo\u017ei na novi ra\u010dun.<\/p>\n<\/li>\n<li data-start=\"4672\" data-end=\"4745\">\n<p data-start=\"4675\" data-end=\"4745\">Zahtevajte prenos trenutnega stanja s starega 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\">Pomembno:<\/strong> se lahko posvetujete z <strong data-start=\"4789\" data-end=\"4821\">Najbolj\u0161e cene za CTS tukaj<\/strong>: <a class=\"cursor-pointer\" target=\"_new\" rel=\"noopener\" data-start=\"4823\" data-end=\"4927\">Lestvica CTS-SBS<\/a><\/p>\n<h2 data-start=\"4934\" data-end=\"4983\">\ud83d\udca1 <strong data-start=\"4940\" data-end=\"4983\">Dodatni nasveti za u\u010dinkovito upravljanje CTS<\/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\">Preverite stanje na ra\u010dunu vsaj vsaka 2 meseca.<\/strong>, zlasti po izteku obdobij za vlo\u017eitev (maj in november).<\/p>\n<\/li>\n<li data-start=\"5100\" data-end=\"5157\">\n<p data-start=\"5102\" data-end=\"5157\">Redno primerjajte obrestne mere med bankami.<\/p>\n<\/li>\n<li data-start=\"5158\" data-end=\"5280\">\n<p data-start=\"5160\" data-end=\"5280\">\u010ce je mogo\u010de, izberite banko, ki ponuja <strong data-start=\"5202\" data-end=\"5249\">mese\u010dna ali \u010detrtletna kapitalizacija obresti<\/strong> (To pove\u010da va\u0161 dohodek).<\/p>\n<\/li>\n<li data-start=\"5281\" data-end=\"5364\">\n<p data-start=\"5283\" data-end=\"5364\">Nikoli ne uporabljajte CTS za impulzivno porabo \u2013 ohranite ga kot <strong data-start=\"5338\" data-end=\"5363\">sklad za nujne primere<\/strong>.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"5371\" data-end=\"5389\">\u2705 <strong data-start=\"5376\" data-end=\"5389\">Zaklju\u010dek<\/strong><\/h2>\n<p data-start=\"5391\" data-end=\"5666\">Vedeti <strong data-start=\"5397\" data-end=\"5437\">Kako preveriti stanje na va\u0161em ra\u010dunu CTS v Peruju<\/strong> To je preprosta praksa, ki bi jo moral uvesti vsak delavec. Z razli\u010dnimi spletnimi in nespletnimi mo\u017enostmi, ki so na voljo, lahko spremljate svoje depozite, zagotovite, da prejemate pravilne zneske, in najdete najbolj\u0161e pogoje za svoj denar.<\/p>\n<p data-start=\"5668\" data-end=\"5821\">Ne pozabite: <strong data-start=\"5679\" data-end=\"5804\">Pogodba o delovnem \u010dasu (CTS) ni le pravica iz delovnega razmerja, temve\u010d eden najvarnej\u0161ih in najugodnej\u0161ih var\u010devalnih instrumentov, ki jih imate.<\/strong> U\u017eivaj, dokler traja!<\/p>\n<p data-start=\"5823\" data-end=\"5939\">\ud83d\udc49 \u010ce ta semester \u0161e niste preverili stanja na svojem ban\u010dnem ra\u010dunu, ga preverite zdaj! Va\u0161 bodo\u010di jaz vam bo hvale\u017een. \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\/sl\/wp-json\/wp\/v2\/posts\/2996","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/comments?post=2996"}],"version-history":[{"count":4,"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/posts\/2996\/revisions"}],"predecessor-version":[{"id":3002,"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/posts\/2996\/revisions\/3002"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/media\/3000"}],"wp:attachment":[{"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/media?parent=2996"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/categories?post=2996"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bluerabbitech.com\/sl\/wp-json\/wp\/v2\/tags?post=2996"}],"curies":[{"name":"delovni list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}