Promissory Notes igwaro rezvemari rinopihwa roendeswa kune imwe kambani kana munhu ane chinangwa chakajeka, icho chisiri chimwe kunze kwekuita chibvumirano chemari. Kureva kuti anozvipira kukubhadhara mari pane rimwe zuva.
Izvo zvinowanzoitika mukutarisana nemamwe matambudziko emari kune avo vanovapa uye kuti vanosarudza kubhadhara nefomati iyi pane nemamwe marudzi ezvigadzirwa, kusanganisira kubhadhara kwechinyakare kuaccount. Iyi itsika inoshandiswa nemamwe makambani madiki uye epakati nepakati kugadzirisa matambudziko avo eakaunzi.
Iyi ihurongwa hunoshandiswa kwete chete kubhadhara vatengi kana makambani ebasa, asiwo vashandi vavo. Nyangwe nenguva uye usamboita seyakawanda kana kushomeka tsika kana uchitumira mari kune vechitatu mapato. Kune rumwe rutivi, uye kuti unzwisise zviri nani kunzwisisa kwayo, icho chigadzirwa chakafanana chaizvo neicho bhiri rekutsinhanisa.
Zvinodiwa kuti unyatso buritsa promissory note
Pamusoro pemamiriro ese aya, gwaro rekuvimbisa rinofanirwa kunge riine zvimwe zvidiki zvinodiwa kuti gwaro rive rakasimba uye izvo zvinotevera:
- Inofanira kuratidzwa mugwaro nenzira yakajeka zvikuru izwi rekuti "pay", kwete dzimwe revo kana mashoko anoshanda.
- Zuva rekupera rinofanirwa kuverengerwa mune zvese zviitiko. Kureva kuti, nguva iyo ichabhadharwa mari kune imwe kambani kana munhu.
- achasarudzwa a isa mubhadharo. Haifanire kunge iri bhangi chairo kana pane imwe kero. Kusiyana neizvi, zvinokwana kuratidza huwandu hwevanhu kuchaitwa bhanga iri (Madrid, Barcelona, Segovia...)
- Ichave chivimbiso chakasimba icho mupi anozvipira kuita mubhadharo uye izvo zvicharatidzwa, zvingava munhamba kana mumabhii.
- Chokwadi zvinosungirwa kuti mugwaro iri nzvimbo uye zuva rekubudiswa zvinoratidzwa yechigadzirwa ichi. Senge siginicha yeanopa, sezvo kana imwe yeiyi data isipo, yaizonzi haina maturo uye saka yaisakwanisa kubhadhariswa chero mamiriro ezvinhu.
Ndichabhadhara kuhodha kwete kuhodha
Chero zvazvingava, pane musiyano mune ichi chigadzirwa chemari chinogona kutungamirira kune dzimwe zvikanganiso mukubudiswa kwayo. Ndiyo mutsauko uripo pakati pechitsidzo chekuvimbisa kurongeka uye kwete kurongeka, apo yekutanga inosanganisira yekuti mubhadhari anobvuma kubhadhara mubhadharo wakasarudzwa mukati menguva yakatarwa.
Nepo, pane zvinopesana, izvo zvinonzi kwete kune kurongeka kwakavakirwa pachokwadi chekuti hachibvumire kuti chibvumirwe kune wechitatu munhu uye, semugumisiro, simba guru rekutengesa rinogona kugadzirwa. Kunyangwe kuburikidza ne via notarial uye nemvumo yakazara yeanopa. Ichi chikamu chinofanirwa kuverengerwa kuitira kuti usawane dzimwe nguva kushamisika kwakashata mukugadziriswa kwayo.
Kunyangwe paine mukana mune ino yekupedzisira yekubhadhara modhi iyo mamwe madiki uye epakati mabhizinesi asingazive: ivo havabhadhare mutero kune Mutero paMabasa Akanyorwa Pamutemo.
Nezvavanogona kuwana bhenefiti huru yehupfumi nekupihwa kwavo nekuchengetedza iyi mari yemari. Nepo, pane zvinopesana, kukanganisa kwayo kukuru inyaya yekuti hazvibviri kutendeukira kumatare epamusoro kuti utore muripo unoenderana, kana paine kudzoka kana kusabhadhara zvakafanana.
Naizvozvo, iwe uchafanirwa kuona kuti ndeipi yedzimwe nzira mbiri dzinonyanya kushanda pane imwe neimwe nguva nekuti dzinopa akasiyana maitiro. Uye izvo, mumusimboti, hazvisi nani kana kuipa, asi zvinoenderana nezvinodiwa chaizvo zve accounting yekambani.
mhando dzepromissory notes
Iyi nzira yekubhadhara inotsigira akawanda mamodheru uye akasiyana hunhu. Musiyano wekutanga unoitika maererano nekuti ndiani anopa. Inogona kuva a bank note zvinova izvo zvinopihwa nekiredhiti institution uye inoonekwa seyakanyanya kuzivikanwa pane ese. Nekune rimwe divi, kune iyo kambani promissory manotsi kuti, sezita ravo rinoratidza, ibasa rakafanana.
Mumwe mutsauko unoitika zvichienderana nenguva iyo muripo unoitwa uye ndeapi anomutsa kufarira kwakanyanya nekuda kwekukosha kwechimiro ichi. Aya ndiwo makirasi aripo parizvino:
- Demand Notes: ndeaya anofanirwa kuurayiwa panguva chaiyo yaanoratidzwa uye nekudaro haigone kukonzera kunonoka mune ino accounting movement.
- zuva nezuva promissory notes: Zvinoitika pazvinenge zvasarudzwa kutara zuva renguva yekuunganidza uye rinoratidza kupera kwayo. Iine mhedzisiro yainotsanangura kana chirevo chikaitwa nekunonoka kwezuva rimwe chete.
- non-maturity promissory notes: kunyangwe isiri iyo yakajairika fomati, inofanira kusimbiswa kuti yakafanana negwaro rinoonekwa. Ndiko kuti, inobhadhariswa panguva chaiyo yekukumbirwa nemushandisi.
Mhando dzepromissory notes zvichienderana nenzira yekubhadhara
Icho chimwe chezvikamu zvakajairika mune ichi chigadzirwa chemari. Inopa mafomati matsva ayo isu tichatsanangura pazasi:
- akayambuka manotsi ekuvimbisa: ivo vanonyanya kuratidzwa nechinhu chakakosha kwazvo: vanofanirwa kubhadharwa, kungave muakaundi kana kuhofisi yebhangi.
- Promissory manotsi kubhadhara account: sezita ravo, vanotaura kune zvinyorwa zvinogona kubhadhariswa chete paakaundi. Ndichiri mumusiyano wekupedzisira zvinoenderana nekuita kwekusimudzira, nemhando dzinotevera dzatinofumura:
- promissory notes to order: uko mugamuchiri anogona kuzvitumira kune wechitatu bato kuburikidza nehurongwa hwemari uhu.
- promissory notes kwete kuodha: hazvizogone kuita chiitiko chekare mukunyorera kwako uye icho chinomira pachena seimwe yeakanyanya mafomu mafomati zvine chekuita nemakomisheni anoiswa kwairi.
- Uye pakupedzisira, imwe yekare kuzivana pakati diki nepakati vatengesi, senge registered promissory note. Hunhu hukuru hwacho ndehwekuti inoratidzwa pasina chirevo chekuraira. Nepo kune rumwe rutivi, inogona kubvumidzwa kune wechitatu munhu kana kambani.
registered promissory note
Sezvo zviri nyore kunzwisisa, kune marudzi mazhinji ezvinyorwa zvekuvimbisa, kunyangwe zvichida nekuda kwehunhu hwayo hwakakosha, imwe inonyanya kukosha ndeye yakanyoreswa promissory note. Gwaro iri rinotaura nezvei? Zvakanaka, sezvinoreva zita rayo, chigadzirwa icho munhu kana kambani inosungirwa kubhadhara kumwe mukuita imwe mari inogadzirisa kune mamwe mazwi munguva yenguva.
Imwe yekushandiswa kwayo kwakakosha ndeyekuti igwaro rinowanzo shandiswa kubhengi. Izvi zvinorevei? Zvakanaka, iko kushandiswa kwayo kushandiswa kubhadhara vatengesi uye nekuda kwechikonzero ichi iko kushanda kwakanyanya kune chikamu chemakambani madiki uye epakati nepakati kuita rudzi urwu rwekubhadhara paaccount.
Mukuwedzera, zviri nyore kuzadza kupfuura mune mamwe manyoro ekuvimbisa akaomarara. Pakati pezvimwe zvikonzero, nekuti kuti nzira yekubhadhara iyi ishande inofanirwa kunyoreswa uye isingabhadharwe. Kureva kuti kuburitswa kwayo kuchaitwa kune mumwe munhu ari muunganidzi.
Mafomu echivimbiso chakanyoreswa
Zvisinei nekureruka kwavo kuri pachena, vanounzwa nenzira dzakasiyana dzenhepfenyuro, sezvatichatsanangura pazasi:
- Nominative, pasina clause yekuraira. Ndiro rinonyanya kuzivikanwa uye rinobva pakuti munhu anofanira kusarudzwa sechinhu chine kodzero. Pazvinenge zvakakodzera kuisa zita remugamuchiri mugwaro.
- nominative kwete kurayira. Iri igwaro rakati kuoma, asi rinogona kunzwisiswa zviri nyore sezvo iri hurongwa hunoda kuti bato riri kuraira kuti rirambidze kutambidzwa nerutsigiro. Chero zvazvingava, kuzadza gwaro iri iwe uchafanirwa kutsanangura huwandu hwemari, zita remugamuchiri uye zuva raakaitwa. Ne caveat kuti iyi promissory note "kwete yekuraira."
Muzviitiko zvese izvi, iwo masisitimu ekubhadhara anoshandiswa zvakanyanya nevaridzi vadiki kubhadhara vatengesi nekuda kwekureruka kwemhando dzavo. Sezvinoita zvinovatendera kuti vagadzirise zuva rekubhadhara.
Zvakanakira kana uchiita yakanyoreswa promissory note
Kushandiswa kwechinyorwa chevimbiso chakanyoreswa kunosanganisira nhevedzano yezvakanakira vanozviita uye nekudaro vanofanirwa kuongororwa nguva dzese, kungave mashandiro aya achiitwa nevanhu kana nemakambani madiki. Senge zviito zvinotevera zvatiri kuzopa pazasi:
Icho chishandiso chekubhadhara chinoshanda sechinotsiva mari uye chinobvumira vanobhadhara a kuchinja kukuru mukutarisira nekuburitsa kwayo.
Kushandiswa kwayo kunobvumira, chaizvoizvo, kuti hapana chikonzero chekudaro kubata mari yakawanda. Nekunyaradza kwaunounza kune vanamuzvinabhizinesi vadiki nevepakati avo, muzviitiko zvakawanda, havana mari yakakwana yekuita mabasa emari aya.
Imwe yemipiro yayo mikuru ndeyokuti inoita kuti zvibvire kuva nemari yakawanda mumabhangi. Kusvika pakuti vanogona kuishandisa chero nguva kuwedzera kubhadhara kubva pane izvi zvinyorwa zvevimbiso.
Kunyange ichionekwa kubva kune rimwe bato, mugamuchiri, inofungidzira mukana mukuru sezvo iri kondirakiti inosungirwa zviri pamutemo mukufamba kwemari. Asi izvo zvinonyanya kukosha kune zvavanofarira: zvinovavimbisa kuti mubhadharo unogona kuitwa pasina chero mhando yezvirambidzo.
Pazuva rakatarwa mugwaro. Kuunza kuchengetedzwa kukuru pamusoro pemari inokweretwa. Nekuda kwekuburitswa kwayo nezita remunhu wechisikigo kana wepamutemo anofanirwa kuitora uye izvo zvinosiyana nemutakuri wepromissory note nekuti iyi data haioneke chero nguva.
bank promissory note
Iyi ndeimwe yemhando dzinowanzozivikanwa dzepromissory manotsi. The bank promissory note igwaro mune makambani mutoro wekubhadhara mari kune vamwe vanhu. Kuve chimiro chakajairika senzira yekubhadhara mukutengeserana kwekutengeserana kunoitika pakati pemakambani madiki uye epakati nepakati.
Hunhu hwayo huri pakuti gwaro iri rinowanzo chibvumirano munguva pfupi kwazvo: 30, 45 kana 60 mazuva. Usambofa kwenguva yakareba yekugara. Iko kana nguva yekukura ichisvika, ndiro bhangi pacharo rinoripa semuunganidzwa muakaundi yekutarisa iyo ichi chigadzirwa chemari inotungamirwa.
Zvakanakira zvebhangi promissory note
Aya ndiwo mashandisiro ayo bhengi promissory note yakapihwa parizvino kuti zvakafanira kuratidza mabhenefiti ekuita uku accounting. Kune akati wandei uye akasiyana siyana, seaya atinopa pazasi, uye chero zvipi zvingave anokanganisa ese ari maviri maitirwo:
Chimwe chinonyanya kukosha ndechekuti mubatsiri wegwaro ari kuenda gamuchira mari yacho iyo inoratidzwa mugwaro pasina dambudziko.
Kunyange zvakadaro, kunonoka kubhadhara, muiti anogona kurasa mari iyoyo kuti aipe kune mamwe mabasa ebhizinesi. Semuenzaniso, kuisa mari mune mamwe mapurojekiti ane pundutso kusangano.
Kubva pane iyi mamiriro, isu tinofanirwa kuongorora mamiriro anogona kuitika neakawanda frequency. Haasi mumwe kunze zuva rapfuura rekupera ndisina kuigamuchira kubva kune anoigamuchira. Munyaya iyi chaiyo, hauzove neimwe mhinduro kunze kwekuenda kumatare edzimhosva kuti ugamuchire mari yaunokweretwa. Kazhinji account inochajwa, kunyangwe zvingatora nguva kuti chiitiko ichi chiitike.
Nekune rumwe rutivi, bhengi revimbiso rebhangi rinosiyaniswa kubva kune mamwe magwaro ane hunhu hwakafanana nekuti rinozivikanwa pachine nguva zuva rekubhadhara nderipi. Izvi zviri nenzira iyi, nokuti inogara ichiratidzwa mukukura. Ichi chigadzirwa chemari chinonziwo "chivimbiso chekubhadhara" nekuda kwezvirevo zvezvinangwa zvainazvo. Pamwe chete nechengetedzo yainopa kune anoigamuchira.
Kunyangwe iri nzira yekubhadhara vatengi kana vatengesi, hazvishamisi kuti inoshandiswa kubhadhara kubatirana kwevashandi kana kunyange mune mamwe mamiriro ekubhadhara kwevashandi. Kunyangwe mune yekupedzisira kesi, nguva dzose mune yakakodzera nguva uye yakasarudzika nzira mukushandiswa kwayo.
negotiate promissory note
Mukuita uku, mapato akati wandei ari chikamu chechirongwa ichi anofanirwa kuverengerwa. Kune rimwe divi, kune vanogamuchira yeichi chigadzirwa chemari uye, chechipiri, kumabhangi ivo pachavo, kana nyaya yacho ikamuka. Kuti nenzira iyi, mamiriro avo ekubvumirana anogona kuchinjwa. Chero zvazvingava, kutaurirana nezvechivimbiso hachifanirwe kunge chiri kushanda kwakaoma kune chero bato kana paine masanga akajeka muzvinangwa zvinoteverwa.
Kubva pane izvi zvakajairika, chimwe chezviitiko zvinowanzoitika panodiwa nhaurirano ndepaunoda kuunganidza mari isati yapera. Zvakanaka, munyaya iyi, zvakakosha kuziva kuti zvose Kusava nechokwadi kuti sangano rezvemari rinogona kuunza kutarisira kubhadhara. Kusvika pakuti (bhangi) harizovi nechisarudzo kunze kwekururamisa sarudzo yaro, neimwe nzira kana imwe.
Delimit mabasa uye mafomu ekubhadhara
Nenzira iyi, imwe yematanho ekutanga achatorwa nemabhangi ichave yekuvhura ongororo yakadzama pane zvinyorwa zvinopihwa nemuiti. Uko zvinodikanwa zvemapato maviri zvinotariswa. Nekune rumwe rutivi, chimwe chezvakakosha zvikuru munhaurirano dzechitsidzo chevimbiso chinogara mukuti zvese zvine chekuita nechigadzirwa chemari ichi zvinofanirwa kujekeswa. Kureva kuti, kana gwaro rekuvimbisa richitenderwa, kubhengi kana neimwe nzira yekutengesa. Kune zvakawanda zvakasiyana-siyana zvinogona kuitika zvekuti zvinogona kuunza nhaurirano yakaoma kwazvo.
Nekune rimwe divi, chinhu chakakosha sekunge kambani iri mubati wechivimbiso chekusaodha haigone kukanganwika. Nokuti inogona kuva a Kunetsa kusvika pachibvumirano chinogutsa. Sezviri mufomati yekudzoreredza dhizaini, kana uchifunga nezve mukana wekuti kana zvikakonzera mamiriro ekusabhadhara nekambani, ingave iyo kambani pachayo yaizotarisana nemubhadharo.
Hazvina kunyanyo kukosha mari mukutonga nekuchengetedza kwese zviitiko izvi uye izvo zvinogona zvakare kuisirwa munhaurirano. Kuti udzivise kubhadhara kunogona kunge kwakanyanyisa kune zvido zvemakambani. Chekupedzisira, zvimwe zvinhu zvekufunga nezvazvo kubva zvino zvichienda mberi kuziva masangano emari anopa zvidzikiso ane kana asina zviwanikwa. Hazvishamisi kuti zvichange zvichienderana nekuti ndiani pakupedzisira anofanira kupindura kubhadhara.
Unganidza promissory note isati yakura
Kana tichitaura nezvechinyorwa chevimbiso, tiri kutaura nezvegwaro iro kambani kana munhu anobvuma kubhadhara mari kune imwe kambani kana nyanzvi mune yakambomiswa nguva. Iyi nguva ndiyo inonzi kukura kwayo uye dambudziko mune dzimwe nguva nderekuti mipiro yemari iyi inodiwa. isati yapera.
Panguva ino pane nzira dzakati wandei muhutungamiriri hwako kuti utore inotsi yekuvimbisa isati yakura. Kazhinji kuburikidza nekugadzira ichi chigadzirwa chemari zvinoenderana nenzira yako yekubhadhara. Iri zano rinotungamira kune chokwadi chekuti kune akati wandei mafomati muimba yayo yenhau anosangana neaya akanyatsotsanangurwa maitiro. Iyo inonyanya kuzivikanwa, sezita rayo rinoratidza, ndeye kuburikidza ne non-maturity promissory notes uye izvo zvinobvumira vanogamuchira panguva chaiyo iyo kutengeserana kwemari kunokumbirwa. Pasina kumirira chero zuva.
Promissory Note Pamberi PaKukura: Kuwedzera Kuchinja
Iyo iri nyore modhi yemakambani anofanirwa kuunganidza mari semugumisiro webasa ravo, masevhisi kana chero imwe kukurudzira. Nekuva nekushanduka kukuru kwekugamuchira mari. Iyi ndiyo imwe nzira iyo makambani nevashandi vanozvishandira vanofanira kuita mhanyisa chikamu ichi chemaitiro.
Nekune rimwe divi, zvinowanzoitika pakati pemakambani madiki uye epakati anoda kuve nemari yakakwana zuva rakatarwa muchibvumirano ichi risati rasvika. Kana, pane zvinopesana, iyo inogona kugamuchirwa isati yapera. Zvakanaka, mune izvi zviitiko, mhinduro inoitwa neinonzi promissory note discount. Asi chimwe chigadzirwa chemari ichi chinosanganisirei? Zvakanaka, mune chimwe chinhu chakareruka sekubvumira wechipiri mukuita kuunganidza huwandu hwechivimbiso zuva rekuuraya risati rasvika.
Vanamuzvinabhizinesi uye vanozvimiririra vasingagone kumirira
Ichi chiitiko chinoitika neimwe frequency. pakati pevanozvishandira. Kusvika pakuti ivo vanoda liquidity tip kuti vaite mabasa avo ehunyanzvi kana ekutengesa. Mupfungwa yekuti havagone kumirira kwenguva yakareba kusvika iyo account account yaitwa inoshanda. Naizvozvo, zvinokurudzirwa zvikuru kuti vataure chishuvo chavo kune rimwe bato kuti vasave pasi pechivimbiso chevimbiso pazuva kana pakuona. Sezvo munyaya iyi, havazokwanisi kuibhadharisa nguva isati yasvika.
tsigira gwaro revimbiso
Chiito ichi chinocherechedzwa kana paine chirevo chakanyorwa mugwaro iro mutsigiri anotumira kana kupa munhu wechitatu kodzero dzakabva mukushanda uku. Kazhinji uye nekunzwisisa zvirinani, nemusoro unotevera: "Bhadhara kuna Miguel Ángel García Mutongi ...". unofanira kuenda kupi akatanga nesignature yake kuti zvive zvechokwadi. Nepo kune rumwe rutivi, hazvifanirwe kukanganwa kuti kutsigira chirevo chevimbiso kunowanzoitwa mumagwaro ese kunze kweiyo promissory manotsi kuti asaodha.
cross promissory note
Sezvatinoziva tese, kune akawanda marudzi epromissory manotsi uye imwe inonyanya kukosha ndeye inonzi yakayambuka. Asi iyi nzira yekubhadhara iyo inowanzoshandiswa nemakambani madiki uye epakati nepakati inosanganisirei? Zvakanaka, ndezvekuti inogona kubhadhariswa chete nekupa gwaro uye kuti inopa mimwe mitsara kumberi (apo zita rebhangi richaitwa mari iyi rinogona kuratidzwa). Nechisarudzo chaicho chekugamuchira mari kubva kuhofisi yebhangi chero bedzi mubatsiri ari mutengi wesangano rezvemari uko kusunungurwa kweiyi promissory note model kuchaitika.
Kunyangwe izvo vamwe vashandisi vangafunga pakutanga, iyo yakayambuka promissory note haina homogeneous. Asi, iyo yakakamurwa kuita maviri akasiyana mafomati. Ndiwo ruzhinji uye akakosha muchinjikwa promissory manotsi. Muchiitiko chekutanga, inoreva kuti zita reimwe sangano rezvemari harizobudiswi pachena. Nekuda kwehunhu uhu, mhedzisiro yayo huru ndeyekuti ichakwanisa inobhadharwa chero kubhangi, kunyange kana mugamuchiri asiri mutengi zvakafanana.
Imwe yemabhenefiti ayo akanyanya kukosha inogara mukuti iyo yekubhadhara system nyore kuita formalize uye kuti haidi chero kubatana nebhangi rinoiburitsa. Nechikonzero ichi rinoshandiswa zvakanyanya kana mapato maviri aya asvika pachibvumirano chekugadzira zano iri rekubhadhara sevhisi kana basa rehunyanzvi. Kubva pamaonero aya, chigadzirwa chinoshanduka-shanduka kuita mubhadharo paaccount.
Imwe fomati, inonzi special promissory note, ichange iine zita rebhanga rinenge richiona nezvekuita muripo paaccount pamitsetse miviri iri kumberi. Mune mamwe mazwi, hapazove nechisarudzo kunze kwekuve neakaundi yekutarisa kana yekuchengetedza yakanyoreswa nesangano rezvemari. Zviri pamusoro a stiffer model iyo inogona kuunza mamwe matambudziko kuti isvike pakugadziriswa kwayo.
Vatori vechikamu mune yakayambuka promissory note
Sezvimwe nemamwe marudzi ezvinyorwa zvepromissory, Mapato maviri anobatanidzwa mukuita uku., sokune rumwe rutivi zviri nyore kunzwisisa. Kune rumwe rutivi, mufananidzo wemupini asiri mumwe kunze kweuyo anotora basa remukuru anosungirwa. Nekune rimwe divi, mubatsiri aripowo uye zvinoreva munhu kana kambani inogona kuda zviri mugwaro iri. Kupfuura zvimwe zvinotariswa zvehunyanzvi hunhu.
Sezvinoonekwa, kune huwandu hwakawanda hwedzimwe nzira kana iwe uchida kubhadhara kune mutengi, mutengesi kana mushandi. Pane chiitiko chakanaka ndechekuti modhi inobvumiranwa nemapato ese inosarudzwa. Kudzivirira zvakanyanya zvisingadiwe mamiriro anogona kukonzera anopfuura dambudziko rimwe mukubhadharisa account. Uye izvo zvinotungamira kumari inounganidzwa gare gare pane inodiwa uye yakarongwa nemapato anobatanidzwa.
Zvakanakira manotsi kuodha
Imwe yemabhenefiti makuru eanotsidzira kuodha ndeyekuti inopa shanduko huru uye nyaradzo kumapato anobatanidzwa uye panguva yekufambisa. Nepo, pane zvinopesana, iyo imwe fomati (isina-odha promissory manotsi) inosiyaniswa zvakanyanya nekuti Kupihwa kune wechitatu mapato nekusimbisa hakubvumidzwe. Uye nenzira iyi inogona kukuvadza zvakanyanya zvido zveanogamuchira ichi chigadzirwa chemari. Kupfuura imwe nhevedzano yehunyanzvi yekufunga iyo ichava nyaya yeimwe kirasi yehunyanzvi kuongororwa.
Chimwe chinhu chinoda kuongororwa ndicho chinoreva kubhadhara kwako. Mupfungwa yekuti promissory manotsi kwete kuraira inoda chiziviso nenguva kuratidza kuti zuva rekubhadhara rataurwa mugwaro reakaunzi rinoremekedzwa. Kufanana nenyaya yekuti inzira inogona kazhinji kutora nguva yakareba semhedzisiro yehunhu hwainopa.
Chero zvazvingava, zviri nyore kwazvo kuti vamiririri vaviri vari muchirongwa ichi vaongorore zvakanakira nezvayakaipira kuitira kuti vawane mhinduro kudambudziko iri rinowanzosangana nemakambani pakuita mubhadharo. Nokuti musimboti, imwe haisi nani kana yakaipa kupfuura imwe, asi zvinoenderana nezvido chaizvo yevanobhadhara uye vanogamuchira zvinyorwa zvevimbiso izvi. Kunyangwe iyo yekutanga ingave yakanyanya kunaka, pamusoro pezvose nekuti iri nyore kuburitsa uye kubata kusvika yapera.
Nzira yekuzadza sei promissory note?
Zvichida chimwe chezvakakosha zvinodikanwa nevashandisi ndechekuti chigadzirwa ichi chinofambiswa sei kana kuzadzwa. Haisi hurongwa hwakanyanya kuomarara, asi inoda kugadzirwa nemazvo nekuti chero kukanganisa kuri mairi kunogona kukonzera matambudziko akawandisa kumapato maviri anoumba maitiro aya. Kunyangwe nengozi chaiyo yekuti mugamuchiri wechivimbiso haakwanise kuitora. Nokudaro, zvakakosha kubhadhara zvishoma kune chikamu chinoshanda pamusoro pechigadzirwa chemari.
Chokutanga pane zvose, zvakakosha kusimbisa kuti zvingave zvakasiyana zvichienderana nerudzi rwechivimbiso chatinofanira kuita. Asi mune zvakajairika tichakutsanangurira iwe kuburikidza nematanho anotevera ayo anozofanirwa kuve ari pamutemo. Ne data iyo inofanirwa kuratidzwa mugwaro iri:
Zita resangano nehofisi yakapihwa. Iyo inowanzouya kumusoro kuruboshwe kwegwaro. Muzviitiko zvese, inofanirwa kuratidzwa nenzira yakajeka uye pasina chero chiitiko kana kusajeka kuitira kuti irege kuzivikanwa kana kungoita isingakodzeri.
Kupera kwako. Pasina kupokana, ndechimwe chezvikamu zvakakosha zvechivimbiso nekuti zuva rekubhadhara mari yakapinda mugwaro iri rinoenderana naro. Icharatidzwa pasi apa data yapfuura. Uye inofanira kunyatsojeka uye pasina zvikonzero zvekuvhiringidzika.
Kuzivikanwa kwemunhu anonyorerwa kubhadharwa kwechivimbiso. Sezvinonzwisisika, kunzwisisa kwakakosha pakunyora kwayo kwakarurama. Ringave zita rekambani kana remunhu wepamutemo uye rinofanira kuperekedzwa nemari yese inotumirwa kune mumwe mugamuchiri. Zvose izvi data zvinoratidzwa muchikamu chepakati chegwaro. Nechidimbu chidiki, uye ndicho chitsama, chinofanira kunyorwa nemavara, kwete munhamba.
Nhamba yeserial uye gwaro revimbiso yekuvimbisa. Sezvine musoro kuti unzwisise, inofanirwa kuve nekutevedzana zvichienderana nebasa riri munzira iyi yekubhadhara. Kuburikidza nedzimwe nhamba dzichange dzakasiyana uye dzicharatidzwa muchikamu chezasi chekuruboshwe kwegwaro rino.
Seri uye gwaro nhamba coding. Aya ndiwo manhamba anouya nekusarudzika uye ari pazasi pegwaro. Zvakakosha kuti ive yechokwadi uye kuti mari ibhadharwe pasi pemamiriro akatarwa mune imwe neimwe yemafomu ezvinyorwa zvekuvimbisa.
Zuva nenzvimbo yekupihwa kwechivimbiso. Zuva, mwedzi uye gore umo chigadzirwa ichi chakabudiswa zvinoratidzwa. Kufanana neguta razvinoita uye muzviitiko zvose zviri zviviri zvinofanira kunyorwa zvakajeka netsamba.
Chivimbiso chekubhadhara uye mari yakapinda muhuwandu. Inouya muchikamu chepakati chegwaro neshoko rinotevera: "nokuda kwechivimbiso ichi, ndinovimbisa kubhadhara, pazuva rakatarwa rekupera".
Akaundi yemutengi uye IBAN kodhi yeakaundi yakadhonzwa. Nezvese ruzivo rwebhangi pane account iyo iyo accounting movement ichaitwa. Inofanirwa kunge yakazara, pasina kupotsa chero ruzivo, sekubatanidzwa kwazvinoitwa mumainvoice kumakambani kana vatengesi. Kuvepo mukona yekurudyi yegwaro.
Kana idzi data dzese dzakabatanidzwa nemazvo, hapazove nedambudziko diki rekuita oparesheni iyi nekubudirira kwakazara maererano nemhedzisiro yayo.