Ibhili yokutshintshiselana

Maninzi amaxwebhu ezemali, nangoku, awaziwa nangoku, nangona esondele ebantwini kwaye inokuba sele eve ngawo. Nangona kunjalo, amagama anje ngebhili yotshintshiselwano, inqaku lesithembiso, njl. inokuba sisigama esithi, kubantu ngabanye, asiqondakali (hayi esenkampani).

Ukuba ufuna ukwazi Yintoni ileta yotshintsho kunye nazo zonke iinkcukacha zokuthathela ingqalelo ukuqonda umxholo ngokugqibeleleyo, emva koko sikunceda ukuba wenze. Siza kuchaza umxholo, amanani aza kungenelela, nguwuphi umahluko okhoyo nezinye izixhobo zemali, njl.

Yintoni ileta yotshintsho

Singawuchaza umthetho oyilwayo wotshintshiselwano njenge- uxwebhu lwentengiso olusetyenziselwa ukwenza intengiselwano. Umthetho oyilwayo wotshintshiselwano ufuna ukuba umntu enze intlawulo, yemali ebekiweyo kunye nexesha elimiselweyo. Nangona kunjalo, olu xanduva lungawela emntwini wesithathu. Oko kukuthi, nabani na onemali oyilwayo yokutshintshiselana, kwaye ngenxa yoko uza kuyifumana loo mali, angaligqithisela kwelinye ilungelo, ngendlela yokuba imali ifunyanwe ngaphambi kwexesha ngokutshintshela omnye umntu elinde ixesha elichaziweyo Ibhili yotshintshiselwano yokuqokelela.

Ngokubanzi, i Ibhili yotshintshiselwano isetyenziswa kakhulu kwiinkampani oko phakathi kwabantu, kodwa ukusetyenziswa okunikiweyo kwenzelwe iinjongo ezimbini:

• Khonza njengesiqinisekiso sentlawulo, ngengqondo yokuba isiqinisekiso sinikezelwa ngokutshintshela imali ethile eqokelelweyo ngomhla ekuvunyelwene ngawo. Ukuba awenzi njalo, ungaya enkundleni ukuze uhlawule ngokufanelekileyo.
• Khonza njengentlawulo, kuba iyanceda ukulamla ukuthengiselana kunye nentengiso.

Inokujongeka njani imeko yomthetho oyilwayo wotshintshiselwano?

Las Amatyala otshintshiselwano aneempawu ezininzi ezenza ukuba zibe "semthethweni", oko kukuthi, kufuneka zizalisekiswe ukuze uxwebhu lube semthethweni ngokusemthethweni. Ziphakathi kwazo:

• Misela indawo yokukhutshwa.
• Yenza icace imali ekhutshwe ngayo.
• Yiba nesixa kokubhala kunye nakumanani.
• Chaza ukukhutshwa kunye nokuphela komhla woxwebhu.
• Yonke idatha yomkhuphi (idrowa) kunye nokuba ngubani ekufuneka enze intlawulo (idreyini).
• I-akhawunti yebhanki okanye yebhanki apho intlawulo iyakwenziwa (oku akusanyanzelekanga, kodwa akunakukhethwa).
• Ukwamkelwa ngokucacileyo kwesibophelelo salowo udlulisileyo ukwenza intlawulo.
• Ukutyikitya (kule meko kuya kuvela kumnikezeli wetyala lotshintshiselwano).
• Ixabiso lerhafu kunye nokuchongwa kwamaxwebhu.

Amanani omthetho osayilwayo wotshintshiselwano

Njengoko besesitshilo ngaphambili, kwibhili yotshintshiselwano kukho ubuncinci abathathi-nxaxheba, kodwa enyanisweni kukho amanani angaphezulu anokuhambelana nolu xwebhu lwezezimali. Zezi:

• Ityesi: ngulo mntu ukhupha uxwebhu. Ngumntu obolekayo kulowo unetyala kwaye ubeka uxanduva lomntu onetyala, obizwa ngokuba ngumrhwebi, ukwenza intlawulo isebenze ngexesha elifanelekileyo.
• Ndikhululekile: Ngumntu onetyala onoxanduva lokuhlawula isixa esimiselweyo, ngexesha elichaziweyo, kwidrowa.
• Umnini-polisi: kukwabhekiswa kwezinye iindawo njengefolokhwe. Sithetha ngomntu oxhamla kwibhili yotshintshiselwano. Oko kukuthi, lowo, xa ixesha liphelile, uya kuba nakho ukuqokelela isixa semali esisekwe kuxwebhu. Ngokwesiqhelo lo mntu uyidrowa, kuba ngumtyali-mali. Kodwa inyani kukuba inokuba ngomnye umntu.
• Umxhasi: eli gama libhekisa kumntu, onelungelo kwibhili yotshintshiselwano, ayidlulisele kumntu wesithathu ngokutshintshisa ngokwenza eso sixa semali sisebenze ngaphambi kwexesha laso.
• Endorsee: Sithetha ngomntu ogcina amalungelo omhlawuli / idrowa, kwaye ngenxa yoko abe ngumhlawuli omtsha.

Uluqokelela njani ityala lokutshintsha

Ngoku ukuba unombono ocacileyo wento oyilwayo yotshintshiselwano, kunokwenzeka ukuba umbuzo ovelayo uyindlela yokuqokelela. Ngokwesiqhelo, Ibhili yotshintshiselwano luxwebhu olunokuthi, ngomhla othile, luguqulwe lube yimali (ngakumbi leyo ibonakaliswe kweso sixhobo semali). Kodwa kufuneka yenziwe njani?

Into yokuqala ekufuneka uyazi kukuba kubalulekile ukuba ibhili yokutshintshiselana iqokelelwe ngomhla wokuphelelwa kwayo, okanye ubukhulu becala, ngaphakathi kweentsuku ezi-1-2 zomsebenzi zomhla wokuphelelwa. Kutheni kungabikho xesha lingakumbi? Ewe, kuba kunokubakho ingxaki yokunyanzelisa ilungelo.

Kufuneka usoloko uthatha uxwebhu lwantlandlolo usise ebhankini esekwe uxwebhu, okanye kwindawo ekuhlala kuyo idreywee. Apho baya kukucela ukuba uqinisekise ubungqina bakho njengomnini welungelo lokuqokelela, okanye igunya elisemthethweni legqwetha ukwenza ukuba intlawulo isebenze. Ngaphandle koko abayi kukunika.

Ngoku, kunokuba kunjalo, Ngexesha lokuhlawula, musa ukuhlawula konke, kodwa intlawulo encinci. Kwezi meko, awunako ukwala ukufumana loo ntlawulo inxenye, kodwa unelungelo lokufuna ukuba bakunike uxwebhu oluchaza imali ehlawuliweyo.

Ndithini xa bengandihlawuli?

Isiganeko sinokwenzeka apho xa ityala lokutshintshiselana lisebenza, liyaliwa. Kule meko kufuneka Yiya kugunyaziwe oya kwenza isenzo "sokuqhankqalaza". Lumka, kuba oku kufuneka kwenziwe kwisithuba seentsuku ezisibhozo zomsebenzi emva kokuphela kweleta (kungenjalo uya kuphulukana nomvuzo wakho).

Umgcini-notari kufuneka enze irekhodi kwaye anxibelelane nomrhwebi ukuze amazise ukuba intlawulo ayenziwanga. Nje ukuba aziswe, i-drawee inokwenza izityholo okanye ihlawule idrowa oko ikutyalayo, ukongeza kwindleko zomqhankqalazi. Kwimeko apho ungaphenduli okanye awuhlawuli, kungathathwa amanyathelo asemthethweni.

Njengoko ubona, ibhili yotshintshiselwano yinto elula ukuyiqonda, kodwa ibandakanya umngcipheko kunye nezibonelelo zayo, ngakumbi kuba ubeka imali ethile kuxwebhu oluthi, kamva, lwenziwe lusebenze ngaphandle kweengxaki okanye lube nzima ukuqokelela.

Ngaba ukhe wakhupha ityala lokutshintsha? Okanye ukhe wahlawula enye? Khawusixelele ngamava akho ngesi sixhobo sezezimali.