Indlela yokususa iirisithi

Indlela yokususa iirisithi

Amaxesha amaninzi, into esiyenzayo ukususa iingxaki xa sisenza iintlawulo eziphinda-phindiweyo ziirisithi zedebhithi ngqo. Kodwa kuthekani ukuba awufuni ukuqhubeka uyihlawula ngolo hlobo? Akukho ngxaki, kuba eso senzo sinokuhlehliswa, kodwa ndizenza njani iirisithi ze-undomicile? Inokwenziwa?

Ukuba ucinga nge cima nayiphi na inkonzo obuhlala kuyo kodwa awuyazi into omawuyenze ukuyenza, siya kuthetha ngayo.

Yintoni i-debit ngqo

Yintoni i-debit ngqo

Ngaphambi kokuba uthethe nawe malunga nokutsalwa kwemali ngokuthe ngqo kunye nendlela yokwenza, kufuneka wazi ukuba sithetha ngantoni ngokutsalwa kwemali ngokuthe ngqo. Eli ligama elaziwa ngalo, nangona kukwakho nelinye, iDebit SEPA, eligama elikwi "banking jargon".

I-debit ngqo lugunyaziso olunikezelayo, njengomnini-akhawunti, ebhankini. Yantoni? Ewe, ukuze ibe ngulo othi, ngaphandle kokufumana iiodolo kuthi ngalo lonke ixesha irisithi igqithiswa kuloo nkampani, ihlawulwe ngokuzenzekelayo. Ngamanye amazwi, yimvume esiyinika ibhanki ukuba ihlawule inkampani ethile ngalo lonke ixesha ifunyenwe irisithi, ngaphandle kokusibuza.

Into eqhelekileyo kukuba into esihlala kuyo ngumbane, amanzi, uluntu lwabamelwane, i-inshurensi, amaqonga okusasaza ... iirisithi esizaziyo zifika ngenyanga kwaye, endaweni yokunyamekela ukuhlawula inyanga nenyanga, sivumela ibhanki ukuba yenze.

Iintlobo ze-debit ngqo

Iintlobo ze-debit ngqo

Phakathi kweentlobo zee-debits ezithe ngqo onokuthi uziphumeze zezi zilandelayo:

  • Yeerhafu. Ngamanye amazwi, endaweni yokuba kuhlawulwe iirhafu rhoqo emva kweenyanga ezintathu, i-Arhente yeRhafu inika ithuba lokufumana iirisithi zokutsalwa ngokungqalileyo ukuze zihlawulwe ngokuzenzekelayo. Kakade ke, kuphela kwabo isixa esimiselweyo; ukuba ungomnye wabo baxhomekeke kwikota, olu khetho alunakwenzeka.
  • SEPA debit ngqo. Oku kunento yokwenza nentlawulo phakathi kwamazwe axhamlayo kule ndlela yokuhlawula ngaphandle kokuqaphela. Phakathi kwezi sineentlobo ezimbini:
    • Isiseko ngqo.
    • I-B2B ethe ngqo, oko kukuthi, ukusuka kwishishini ukuya kwishishini.

Izinto eziluncedo nezingalunganga

Ukuba ukhe wahlawula i-bill nge-debit ngokuthe ngqo, ngokuqinisekileyo uyazi ukuba ineenzuzo ezininzi, eyokuqala kukuba awusoze ulibale ukuyihlawula ngenxa yokuba ibhanki sele ijongene nokuhlawula egameni lakho, ngoko unako. ungakhathazeki ngaloo nto, ukuba nje kukho imali kwi-akhawunti, abayi kubanga nto kuwe.

Kodwa ukongezelela kulo ncedo, kukho ezinye ezingakumbi. Kwaye njengazo zonke izinto ezilungileyo nayo inecala layo elibi, kuya kubakho nezinto ezingeloncedo.

Phakathi ezintle esinokuzikhankanya, ngaphaya kwale yangaphambili, zezi:

  • Kuphephe ukuhlawula kade. Kwaye kunganyanzelekanga ukuba uhlawule iintlawulo ezongezelelweyo ezinokurhaxa abantu ngenxa yokulibala ngayo.
  • Ukhuseleko olukhulu lwenkampani ebiza imali. Ngenxa yokuba nge-domicile inkampani iyazi ukuba, xa uthumela irisithi, ayiyi kubuyiselwa ingahlawulwanga, kodwa iya kuhlawulwa ngokuzenzekelayo. Oko kwakhona kukunika ukuthembeka ngakumbi.
  • Izinto eziluncedo kwibhanki yakho. Iibhanki zihlala zinamabhaso athile kubathengi abahlawula ngqo. Ngale ndlela, unokuxhamla kwisipho okanye isaphulelo kwiakhawunti yakho, engazange ibuhlungu.
  • Ungarhoxisa nanini na ufuna. Into yokuba uhlala uhleli kwenye into ayithethi ukuba iya kuhlala ubomi bakho bonke; nanini na ufuna ungathumela iodolo kwibhanki yakho ukuze ingahlawuli amatyala amaninzi.

Ngoku, njengoko besitshilo, yonke into ilungile unezinto ezimbi, yaye kule meko ezi zimele zithathelwe ingqalelo. Phakathi kwabo, sinokukhankanya:

  • Ungalibali iindleko zakho. Enyanisweni, ukutsalwa kwemali ngokuthe ngqo kuthetha ukuba abaninzi abayithathi ingqalelo le ndleko, kwaye ngoko unokugqiba unetyala. Kukwanjalo ke, ukuba anithanga nibe nazo iindleko nize nibeke enye, nisenokuthi ekugqibeleni kube yiloo nto niyingenisileyo, kwanaloo nto niyisebenzisileyo, ibe yinto enye, nokuba kubi nangakumbi, nidle ngaphezu koko nikungenisileyo.
  • Ungazishiya iiakhawunti zakho ziye ku-zero, ngakumbi ukuba awuzilawuli kakuhle iindleko zakho.
  • Ukuba kwenziwe intlawulo engafanelekanga, ibango lingasonjululwa ixesha elide kunokuba ubungenzanga ntlawulo ngqo. Gcina ukhumbula ukuba bahlawulise, kwaye ukubuyisela banokuthatha ixesha lokuvumelana nawe (kwaye ngaloo ndlela babuyise imali yakho).
  • Usenokuba uhlawula ngaphezulu. Enyanisweni, ukuba yindawo yokuhlala ayithethi ukuba uyekile. Kufuneka uyazi ukuba uhlawula ntoni kwaye kutheni, ukuphepha ukubizwa ngokugqithisileyo okanye ukubizwa ngokungafanelekanga.

Indlela yokususa iirisithi

Indlela yokususa iirisithi

Ngoku ekubeni unokuqonda okucacileyo kuyo yonke into ehlawulwa ngokuthe ngqo, lixesha lokungena ngokupheleleyo kumxholo wenqaku, ukuchithwa kweerisithi. Inokwenziwa?

Impendulo ilula. Ewe, kodwa ukukhupha iirisithi uya kuxhomekeka kwibhanki yakho, kwaye siyaxolisa ukukuxelela ukuba, ngokuxhomekeke kwinto eyiyo, inenkqubo enye okanye enye. Ngokuqinisekileyo, akunzima, ngokuchaseneyo, kodwa asikwazi ukuthatha amanyathelo athile kuba ibhanki nganye yenza ngendlela eyahlukileyo.

Into esinokukuxelela yona kukuba Uneendlela ezimbini zokususa iirisithi, ezisetyenziswa phantse kuzo zonke iibhanki:

  • Ngobuso. Oko kukuthi, ukucela idinga okanye ukuya ebhankini kwaye ucele irisithi ukuze ugxothwe. Ngokuqhelekileyo baya kukwenza ugcwalise ifomu, okanye baya kuyenza ekhompyutheni, bayiprinte uze uyifunde ukuze ubone ukuba uyavuma na. Ukuba kunjalo, kuya kufuneka uyisayine kwaye baya kugcina ikopi (kwaye kufuneka bakunike enye.
  • Kwi-intanethi. Le ndlela ilula kwaye iyakhawuleza, kuba ungayenza zombini kwiselula yakho nakwikhompyuter yakho, naphi na apho ukhoyo. Kufuneka nje ufake i-app yebhanki yakho kwaye ukhangele i-debits ngqo. Abanye bakunika ngokulula ukhetho lokurhoxisa ukutsalwa ngokuthe ngqo ekufumaneni loo ntlawulo yemali etsalwayo ngokuthe ngqo.

Kwenzeka ntoni emva kokufuduka

Xa sele unike ibhanki umyalelo wokuba eso risiti mayingaphindi ihlawulwe, kuba uyisusile, xa inkampani ebifanele ukuyiqokelela izama ukwenjenjalo, loo ntlawulo iya kukhatywa.

Kule meko, into eqhelekileyo kukuba loo nkampani iqhagamshelana nawe ikwazisa ngento eyenzekileyo ukuze uhlawule eso risithi (ukuba awuzikhuphanga kubo). Kungenjalo, unokuba neengxaki.

Ngenxa yesi sizathu, xa ushiya ikhaya lakho, eyona nto ingcono ukuyenza yazisa inkampani, mhlawumbi ngokumxelela ukuba asisafuni iinkonzo zakhe, okanye ngokumcebisa ukuba uza kuhlawula ngenye indlela.

Ngaba ngoku icacile kuwe indlela yokukhupha iirisithi?


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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
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