Chii chinonzi cheki yekubhangi

Unogona kunge wakambobhadharwa necheki yekubhangi. Kunyangwe isiri nzira yekubhadhara inoshandiswa zvakanyanya, pachine vanhu vanomubheja. Asi cheki yebhangi chii? Inobhadhariswa sei?

Kana iwe uchizvibvunza iwe kusava nechokwadi kwese uku, uye zvimwe zvakawanda, saka tichazojekesa nyaya dzese dzinogona kumuka pamusoro peizvi.

Chii chinonzi cheki yekubhangi

Tinogona kutsanangura cheki yebhangi se cheki iyo dhirowa nedhirowa zvakafanana, sangano rebhangi ndiro rinoriburitsa. Nemamwe mashoko, Iyo inzira yekubhadhara iyo iyo bhangi inoburitsa cheki uye inewo mutoro wayo..

Izvozvi, zvinoreva kuti pane mukana wepamusoro wekuiunganidza, sezvo bhangi richishanda sevimbiso yokuti munhu iyeye achabhadharwa.

Bhangi reSpain pacharo rine tsananguro yayo yecheki, ingave:

"gwaro rinobvumira kuti mutemo upiwe kubhangi kubhadhara imwe mari kune mumwe munhu, pasina kushandisa mari yepanyama".

Kana tikataura nezvebhangi, zvino munhu anoiburitsa uye anovimbisa kubhadhara richava bhangi pacharo.

Cheki yebhangi uye cheki yega, zvakafanana here?

Kunyange zvazvo gare gare tichaona kuti kune cheki dzebhangi dzomunhu oga, chokwadi ndechokuti cheki yebhangi necheki yomunhu oga hazvina kufanana.

Pane musiyano mukuru pakati pavo, uye nhema pakuti ani nani anoburitsa uye ane mhosva yekuunganidza mari yacho inotarwa mucheki haisi munhu kana kambani, asi kuti bhangi pacharo.

Mukuwedzera, panzvimbo yekuva nengozi nokuti hazvizivikanwi kuti zvichave zvichikwanisika kuunganidza here kana kuti kwete, pano chokwadi chokuti ndiro bhangi rinobatanidzwa rinoreva kuti kune chivimbiso chikuru chekuita kuti chibudirire.

Uye cheki yebhangi uye cheki yakaenderana?

Mumwe mubvunzo unowanzoitika ndewekuti funga kuti cheki yekubhangi neyakaenderana zvakafanana. Chaizvoizvo, pane diki nuance inovasiyanisa pakati pavo. Zvichinzi:

Cheki yekubhanga ndiyo inopihwa nebhanga uye zvakare anowana basa rekuita kuti rishande, kunyangwe munhu waanomiririra kana kwete ane mwero.

Cheki inofananidzwa ndiyo inopihwa nemunhu kana kambani, asi bhangi pacharo rinovimbisa kuti munhu iyeye kana kambani ine mari yekukwanisa kuibhadhara pazuva rakakodzera.

Nokudaro, tinogona kutaura kuti musiyano mukuru pakati pezviviri izvi ndiye mupi, iyo inoshanduka mune imwe uye mune imwe.

Hunhu hwebhengi cheki

Mushure mekuverenga zviri pamusoro, zvinogoneka kuti une pfungwa yakajeka yekuti cheki yebhangi chii, asiwo maitiro ayo.

Izvi ndeizvi:

• kupihwa nebhanga. Uye kwete nemunhu wenyama, asi ibhengi rinogadzira cheki iyoyo.
• ine backup. Kubva kubhangi pachayo, ndiko kuti, sangano rakabudisa cheki iyoyo.
• Pane mukana mukuru wekuunganidza. Nokuti sezvo bhangi richibatanidzwa, kunyange kana munhu wacho asina chiyero, anogona kuzvibhadhara pachake (uye obva abvisa iyo account kubva mune ramangwana remunhu iyeye).
• Kune mhando dzakawanda dzecheki dzebhangi. Kunyanya, paizove nematatu: ega, anobhadharwa muakaundi uye akayambuka.

Mhando dzemabhengi cheki

Tisati tataura kwauri seimwe yehunhu kuti kune akasiyana macheki ebhangi. Asi unoziva here musiyano uripo pakati pavo nezvavari? Usanetseka, tiri kutaura nezvavo.

cheki yebhangi yega

Inozivikanwa nekuti munhu anopihwa kukambani kana kambani. Mune mamwe mazwi, munhu ari kuenda kumari cheki iyoyo anogara ari munhu kana kambani.

Paunenge uchiitora, unogona kuita izvi nekuisa mari muakaundi kana kubhadhara nemari kana mutakuri.

Cheka wakapihwa account

Iyi ndiyo yakajairika fomu yeizvi uye, kunyangwe ichigona kuunganidzwa nemunhu kana kambani, cheki inoda kuti inofanira kubhadharwa muakaundi yebhangikureva kuti haugone kuwana mari. Zvino, hapana anoti haugone kupinda uye nekukasira kubvisa iyo mari.

crossed check

Mukomana uyu akanyanya kushamisa kuona, asi aripo. Saizvozvo, icheki yebhangi yega, iyo nzira yekubhadhara inogona kuva mutakuri kana mari. Asi, ine nuance. Uye ndezvekuti inouya ne X (yakayambuka nemitsara). Izvozvo zvinoreva kuti, kunyange kana ichitaura kuti iri mumari kana mutakuri, chaizvoizvo iyo nzira yekubhadhara inorambwa uye inogona kuunganidzwa chete kana yakabhadharwa muakaunti.

Maitiro ekuita mari cheki yekubhangi

Iwe unotoziva kuti cheki yebhangi chii, maitiro uye misiyano yainayo nemamwe macheki. Uye kunyange vakomana. Unoziva here kuti ungaitora sei?

Usanetseka, nokuti chokwadi ndicho ichocho zviri nyore kwazvo kunzwisisa.

Chinhu chekutanga iwe chaunofanira kuziva ndechekuti vane nguva yekuitora. Izvi zvinodzorwa neiyo Exchange uye Check Law. Uye inguva yakareba sei? Kana yakapihwa uye ichabhadharwa kuSpain, saka mazuva gumi nemashanu kubva pazuva rakaburitswa. Kana yakapihwa muEurope, imazuva makumi maviri. Uye kana ichibva kune dzimwe nyika, saka mazuva makumi matanhatu.

Kureva, kana vakakubhadhara nenzira iyi, waizofanira kumirira mazuva gumi nemashanu kuti zvishande (Ndizvo kana vakaisa zuva iroro pazuva rekubudiswa; kana zvisina kudaro, iwe uchafanirwa kuwedzera mazuva gumi nemashanu pazuva rekubuda ravakaisa pauri).

zuva rekubhadhara chaunofanira kuita kuenda kubhanga kunokumbira mari iyoyo. Ikozvino, inogona kubhadhariswa chero kubhengi (muzhinji) asi kana risiri bhangi razviburitsa, zvakajairika kuti vakubhadharise komisheni yekuita kuti ishande, ingave yekugamuchira mari mumari kana kubhadhara. muaccount.

Chii chinoitika kana ndikapotsa zuva rekubhadhara?

Zvingava nyaya yekuti unokanganwa kana muripo wasvika. Naizvo, chero 6 mwedzi isati yapera kubva pazuva rekubudiswa (mumwedzi mitanhatu yese nemazuva gumi nemashanu) unogona kuzviunganidza.

Kana nguva yakawanda yapfuura, kunyange kwezuva, cheki iyoyo inotarwa uye hazvibviri kuitora.

Zvese zvaunoda kuziva nezve cheki yekubhangi zvave pachena kwauri?