Itshekhi ehambelana nayo

Itshekhi ehambelana nayo

Itsheki ehambelana nayo Ngumboniso wesixhobo sekhredithi esiqulathe isithembiso sokuhlawula ngokubona isixa esibonisiweyo. Ngokwenza oko, oku malunga iitsheki ezikhutshwa ziibhanki ngaphambi kwentlawulo kwaye banyanzelekile ukuba babahlawule xa bebona xa bezisiwe. Ukukhutshwa kwetsheki ehambelanayo kucinga ukuba kufumaneke kwangaphambili imali ebonisiweyo, oko kukuthi, ukuba isixa esifakiweyo sikhulu kunebhanki ekhuphayo, eya kuba yiyo ehlawula loo mali.

Ngokuqinisekileyo ngaphezu kokuba umntu ecinga ukuba a Itsheki yasebhanki kunye netsheki ehambelana nayo, kodwa ingxaki kukuba ayihlukaniswanga phakathi kwenye nenye, kungoko ke ukudideka kubangelwa. Nangona kunjalo, bahluke kakhulu, kwaye iziphumo zokukhetha enye okanye enye zinokuba notshintsho olukhulu. Ke umbuzo ngaphambi kokwenza isigqibo sokuba yeyiphi oyisebenzisayo unengqiqo enkulu.

Itsheki ehambelana nayo Yitshekhi eqhelekileyo, itsheki eqhelekileyo evela kwiakhawunti yokutshekisha, uhlobo olunencwadana yokujonga. Into eyenza ukuba ibe yinto ekhethekileyo ligatya lokuthobela elichazwe ngasemva elathi igatya kwiirekhodi zebhanki kukho iibhalansi kwiakhawunti, zigcina ukuba zihlawulwe ngokuchasene nelo tshekhi. Into eqhelekileyo eyenzekayo kukuba, ukuba bacela ukuba itsheki yenziwe, kufuneka uzibonakalise ebhankini, ukhuphe itsheki, ukuze bayigcine imali kwiakhawunti kwaye bayigximfize njengoko besesitshilo, ukuze imali ingabinakulungiswa kwezinye iinjongo.

Kunoko, itsheki yebhanki yahlukile. Itshekhi ikhutshwa yibhanki ngokwayo, ke umthengi akunyanzelekanga ukuba abenencwadi yokutshekisha. Kwaye akukho mfuneko yokuba uneakhawunti kunye nebhanki ekhuphayo. Nokuba kuthelekiswa nemali ezinkozo okanye ngokuchasene nemali efakwe kwiakhawunti, ibhanki iya kukhupha itshekhi kwi-akhawunti yakho yangaphakathi. Umnikeli wetshekhi yibhanki ngokwayo, enyanzelekile ukuba ihlawule.

Ngokuqinisekileyo uyazibuza ukuba awuqinisekiswanga zombini ifomula yokutshaja. Impendulo nguhayi, hayi ngendlela efanayo. Oku kungenxa yokuba itshekhi eyenziwe igcina imali kuthi kuphela ngexesha eliboniswe kwigatya, elihlala liziintsuku ezili-15. Emva kwalo mhla, ungazama ukuqokelela, kodwa ayisosiqinisekiso. Ngapha koko, ukugcinwa okunjalo kwiakhawunti akunakuphikiswa kukuhombisa okanye ukungabinamali, yiyo loo nto kusenokwenzeka ukuba sijongane neetsheki ezingahlawulwanga.

Itsheki yebhanki ayinawo umhla wokugqibela ngakumbi ekubeni isiqinisekiso siyasebenza, oku kungenxa yokuba isiqinisekiso sisekwe ekubeni sikhuphe ngqo kwibhanki uqobo. Ukuba kulandelwa umthetho wokutshekishwa, zonke iitsheki zebhanki, nokuba zenziwe zafana okanye hayi, kufuneka zinikezelwe ukuba zihlawulwe zonke kwisithuba seentsuku ezili-15 emva kokukhutshwa kwazo, kodwa oku akuthethi enye into.ukuba oku akwenziwa , izibonelelo ezithile zomthetho zinokulahleka kwimeko yokungahlawuli.

Kuyacaca ukuba kwimeko ye Iitsheki zebhanki obo bungozi abuchaphazeleki kude kube namhlanje, yiyo loo nto kuyinto engaqhelekanga ukufumana iitsheki zebhanki ezinokuthatha ukuya kwiinyanga ezintathu ukucacisa. Ngesi sizathu kwaye ndithathela ingqalelo ukuba iindleko zihlala zifana, ndiyakholelwa ukuba itshekhi yebhanki inyanzeliswa ngokucacileyo, kukhuseleko ngokubanzi, kwindalo iphela ukongeza kuncedo olumangalisayo.

Itsheki ehambelana nayo Kwahlukile kwitshekhi yebhanki nakwezinye iinkalo, ezinje, kwimeko yetsheki, ibhanki inyanzelekile ukuba ihlawule imali eboniswe kuxwebhu kwaye ngenxa yesi sizathu umphathi wetshekhi uqiniseke ngokupheleleyo ngaloo nto. Ibhanki iya kuphendula kwaye ihlawule imali eboniswe kwitayitile kuphela xa ihlawulwa. Oko kukuthi, kuphela xa kukho imali kwiakhawunti yomthengi ebekade ekhupha itsheki. Ngelixa itsheki yebhanki ibeka umngcipheko wokukhutshwa ngaphandle kwemali, kwelinye icala, iitsheki ezihambelanayo azikho kuyo nayiphi na ingozi.

Imiqathango yokuqinisekisa ukutshekishwa okungqinelanayo

Itshekhi ehambelana nayo

Kukho iimeko ezithile zokuqinisekisa ukuba itsheki ehambelanayo kufuneka yenziwe. Sichaza apha ngezantsi:

  • Kukho umqondiso wokuba isixa esibonisiweyo siya kuhlawulwa xa kufunwa.
  • Ukuba ifakwe kwisihloko sehlelo elihambelanayo okanye lingaba kwelinye le-visa okanye isatifikethi.
  • Ngegama lomgcini werekhodi, kungenxa yokuba, njengoko kukhuseleko uku-odolwa, ayinakukhutshwa ngumnini.
  • Bachazile umhla kunye nendawo apho isihloko sasikhutshiwe.
  • Isayinwe yibhanki ekhuphe itsheki.

Inkcazo yetshekhi engqinelanayo Kufuneka ibesithuba esimalunga neentsuku ezilishumi elinesihlanu ukusukela kumhla ekhutshwa ngawo yibhanki okanye ngaphakathi kwemigaqo ebiboniswe ngaphambili kuxhomekeke kwindawo ebikhutshelwe kuyo itsheki Ngaphandle kwamathandabuzo, itsheki yenye yeendlela zokuhlawula ezisetyenzisiweyo kwihlabathi. Itshekhi ayisebenzisi kuphela ukuhlawulela iimpahla ezifunyanwa ezivenkileni, kodwa ikwasetyenziswa yinkampani ukuze ikwazi ukuhlawula abathengisi bayo okanye umsebenzi osebenze njenge-freelancer, phakathi kwezinye iimeko.

Ukuthetha ngokubanzi, itsheki luxwebhu okanye ifayile ye- hlawula iodolo Kubhaliwe kwathiwa kugunyazisa umntu lowo athe wongezwa kuye, ukuba akwazi ukukhupha isixa semali ezinkozo kwaye sifakwe kwiakhawunti yebhanki edla ngokuhambelana nomntu okanye inkampani eyenza intlawulo, oko kukuthi Umsayineli wetshekhi uya kuba ne-akhawunti yebhanki kuloo bhanki enokukhupha itsheki ekuthethwa ngayo.

Kuninzi kwaye njengeyona ndlela intle yokuhlawula ithandwayo, sinokufumana iintlobo ezahlukeneyo zokutshekisha, itsheki ibe yenye yezininzi.

El itshekhi ehambelana nayo Luhlobo lwetsheki apho ibhanki okanye iziko lezemali ekufanele ukuba lihlawule, umntu ekufuneka ephethe ukuyilanda uyaqinisekiswa ukuba uya kuba nakho ukuyenza ngokokutsho kuba umntu omnikayo itsheki inokuba nemali eyoneleyo yokuhlangabezana nale ntlawulo. Ngamanye amagama, ngetsheki eyenziwe, akunakubakho kuthandabuza ukuba umntu oyifumeneyo ukuba imali ezakuhanjiswa iyafana naleyo ibonakalisiwe ukuba ihlawule.

Oku kuthetha ukuba kwifayile ye- itshekhi ehambelana nayo iyabonakala kwaye isebenza Kananjalo, amaziko emali ayikhuphileyo kuya kufuneka abeke uxwebhu lokuhlawula igatya okanye ilivo echaza isivumelwano, isatifikethi, phakathi kwezona ziqhelekileyo, ukongeza kwisiginitsha.

Itshekhi ehambelana nayo

Kukho omnye umcimbi obotshelelwe kwifayile ye- Ukukhutshwa kolu hlobo lwetsheki ngakumbi kwaye ibhanki ihlala igcina kwiakhawunti yomthengi imali ekufuneka eyihlawule ngetsheki eyenziweyo. Oku kuqinisekisa ukuba iimali ziyafumaneka nangayiphi na indlela. Kufuneka iqatshelwe ukuba ibhanki ekhutshileyo eza kukhupha olu hlobo lwetsheki iya kuhlawulisa abathengi bayo njengekhomishini.

Kanye njengesizathu sokutshekishwa esele sikhankanyiwe kukuba ingqokelela yabo iqinisekisiwe ngaphandle kwamathandabuzo, baninzi ababolekisi ababamangalelayo ukuze baqinisekise ukuba bayayifumana intlawulo abayityalwayo. Itsheki ehambelana nayo Luhlobo lwetshekhi olubonakaliswa yinto yokuba inikezela ngesiqinisekiso sentlawulo. Ngale ndlela, umntu ofumene elinye lala maxwebhu uya kuba nesiqinisekiso esipheleleyo sokuba ngomhla othile baya kuba nakho ukuya kubanga imali ehambelana nabo kwaye baphephe naluphi na uhlobo lwengxaki enxulumene noko.

Ukutshekishwa okuguqulweyo yenye yeendlela ezahlukileyo ezivumela kule meko ukuba zibe nesiqinisekiso malunga nokuqokelelwa koxwebhu. Oku kuyinyani kwimeko yetshekhi yesiqhelo enikwa ithuba lokuhlawulwa kwaye iya kuxhomekeka kwinto yokuba kukho imali kwiakhawunti yebhanki okanye hayi, le nto inokubangela ubuqhetseba okanye iingxaki zokungahlawuli ukunqongophala kwemali okwethutyana.

Njengoko unokuthelekelela, itshekhi yolu hlobo inezinto ezininzi eziluncedo kwiimeko ezithile, apho ingqokelela yemali ingathandabuzekiyo. Ngale ndlela, inokwenza ukungabikho kokuzithemba kumntu okhupha itsheki okanye uloyiko lokungahlawulwa kwemali eninzi, yiyo loo nto isisombululo esonelisayo sinikezelwa malunga noku. Ke itsheki ehambelana nayo inokuqondwa njengesiqinisekiso.


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