Imwe nguva yapfuura macheki yaive nzira yekubhadhara yakajairika. Iye zvino havachashandiswa zvakanyanya. asi hazvirevi kuti vakanyangarika. Chaizvoizvo, ivo vachiri kushanda uye mukati memhando dziripo ndidzo dzinodoma. Asi cheki yomunhu oga chii?
Pazasi isu tichataura nezvazvo uye zvese zvaunoda kuziva nezve marudzi aya echeki zvinoenderana nerudzi rweanogamuchira (uye nzira dzekubhadhara).
Chii chinonzi cheki yega
Zvinokwanisika kuti waverenga izwi rekuti nominative cheki unonzwisisa kuti icheki inoenda kuzita remunhu. Uye chokwadi ndechekuti iwe haungakanganisi. Iro gwaro rekubhadhara rinogara richibudiswa muzita remunhu wenyama kana zviri pamutemo, zvinoreva kuti munhu iyeye chete ndiye anogona kutora kukosha kwayo.
Icho chiri pamusoro imwe yenzira dzakachengeteka dzekubhadhara nekuti iwe unofanirwa kuzvizivisa iwe paunenge uchiiunganidza, kunyangwe mukati meiyi panogona kunge paine marudzi maviri:
- Kuronga. Iwo macheki anobvumira kubvumidzwa, ndiko kuti, kuendesa kodzero yekubhadhara kune wechitatu munhu.
- Kwete kuhodha. Iwo macheki kuti ndepapi mubatsiri uyo, anosungirwa, anofanira kuitora.
Kazhinji, iyo data ine cheki yekusarudzwa ndeiyi inotevera:
- Zita rakazara remubatsiri.
- Mari yekubhadhara (zvose munhamba netsamba).
- Zuva uye siginicha yemunhu ari kupa cheki. Izvi zvakakosha nekuti kana isina kusainwa haigone kuitwa inoshanda uye zuva rinokutendera kuti uzive kuti inguva yakadii yekuitora.
The crossed nominative cheki
Mukati mezvipi zvemanominative cheki, iwe unofanirwa kuziva kuti kune mhando inoshandiswa zvakanyanya. Kunonzi crossed nominative check. Inosanganisira chii? Iyo ine hunhu hwekuti, pamberi pecheki, mitsetse miviri yakafanana inodhirowa. Izvi zvinoratidza kuti mari yecheki haizokwanisi kubhadharwa zvakanaka. Ndiko kureva, nemari yakaoma uye inotonhora, asi pane kudaro zvinomanikidza muripo kuti aise mari iyoyo muaccount maanenge ari mubatsiri. Mune mamwe mazwi, iwo macheki uko mari isingabhadharwe.
Chikonzero cheizvi hachisi "kutsamwisa" sezvaungave uchifunga, asi pane kudaro Icho chiyero chekuwedzera chekuchengetedza kuitira kuti hapana chinoitika kana cheki yabiwa, kana kuti kurasikirwa, uye nokudaro zvichanyatsozivikanwa kuti ndiani munhu anyatsozviunganidza.
Nzira yekunyora cheki yega
Kana usati wambozviita kare, cheki yako pachako haisi yakawanda yechakavanzika.. Chinhu choga chaunoda kuita izvi kuziva zita rizere remunhu wacho, kana kuti chemunhu wepamutemo, waanopa cheki iyoyo.
Zvakanaka ikozvino, unogona kuisa modality yaunoda, kureva, "kurongedza" kana "kusaraira", pamwe chete nemukana wekumanikidza cheki kuti iiswe mubhengi rebhangi pasina mukana wekugamuchira mari mumari.
Maitiro ekuita mari cheki yako
Uye kutaura nezve cashing... Unoziva here kuti cheki yako inobviswa sei? Saizvozvo Pane nzira dzinoverengeka dzekuzviitaHaiwa Jehovha, tinokuudzai zvose.
Cash
Kureva, kugamuchira mari nenzira yokunyama. Kuti uite izvi unofanirwa kuenda kubhangi iro rinofanira kubhadhara cheki iyoyo uye uchafanirwa kuzvizivisa kuitira kuti vaone kuti zita riri pacheki nerako rinoenderana here (zvikasadaro havakupei).
Iye zvino zvinogoneka kuti nekubvisa cheki, kana ukasazviita mubhangi rimwechete recheki, vanotibhadharisa makomisheni (iyo inowanzova yakakwirira kwazvo). Saka, vazhinji vanoenda kumabhangi echeki kuti vadzivise aya makomisheni (pese pazvinogoneka, hongu).
kuitira muripo
Iri zita rinoshamisa chaizvo Zvinoreva kuisa huwandu hwecheki muakaundi iyo muridzi wayo ari muridzi wayo.
Nenzira iyi bhangi harisungirwe kubvunza mubatsiri kuti azvizivise, asi zvakakosha kuti account yauchapinda ive yako (semuridzi kana semunhu ane mvumo).
Zvakare, kana dhipoziti iri kubva kune imwe bhangi tichava pamberi pekomisheni "yemuripo".
Endorsement
Kutsigira inzira yekubhadhara yakasiyana zvachose. Uye ndezvekuti kana cheki yekusarudzwa iri imwe chete iyo munhu akainyora ndiye anogona kuitora, iyo chibvumirano. inokubvumira kuendesa cheki iyoyo kune mumwe munhu kuti aite mari.
Izvo zvinoitwa ndeizvi kuendesa kodzero kune mumwe munhu nenzira yekuti vanogona kuunganidza. Uye zvinoitwa sei? Kana iri kumunhu, inonyorwa pacheki pachayo uye inofanira kusainwa ne "mubati". Kana zviri zvemutakuri chete, zvinotofanira kusainwa kumusana.
Ehe, Ani nani anoiunganidza anogona kutakura inonzi "State stamp" Bhanga richakubhadharisa chii pakuzviita?
Somuenzaniso, fungidzira kuti une cheki inobhadharwa kuna baba vako, asi ivo vakavharwa uye havagoni kuenda kubhengi. Muchiitiko ichi, kubvumirana kunogona kuitwa kune mumwe munhu kuitira kuti vagone kuitora (uye nokudaro kwete kurasikirwa nayo).
Cheki iyi inopera here?
Kana iwe usingazive, cheki dzinowanzo kupera. Ivo vanotongwa neMutemo 19/1985, waChikunguru 16, Exchange uye Cheki. Uye mairi, kunyanya mumusoro II, chitsauko IV, chinyorwa 135, zvinonzi cheki dzinopihwa nekubhadharwa muSpain dzinopera mushure memazuva gumi nemashanu ekarenda (kubva Muvhuro kusvika Svondo). Ndiko kuti, kana iwe ukatora nguva inodarika iyo haizove inoshanda.
Muchiitiko chekuti ivo macheki ekunze asi kubhadhara muSpain, nguva yacho mazuva makumi maviri; uye kana vakapomerwa kunze kweSpain neEurope, Saka mazuva makumi matanhatu.
Muchiitiko chekuti zuva rekupedzisira rekarenda izuva risiri rebhizinesi (Mugovera kana Svondo), yaizoenda kune bhizinesi rinotevera. Somuenzaniso, fungidzira kuti inopera musi weMugovera 15. Nguva yekupedzisira yaizowedzerwa kusvika Muvhuro we 17. Asi hapana chimwe chinhu.
Sezvauri kuona, cheki yako inzira yekubhadhara inova yakachengeteka zvakanyanya sezvo ari iye munhu ari pacheki iyoyo anogona kuitora. Une zvimwe panikiro pamusoro pake here? Isai mumashoko uye isu tichaedza kuvapindura.