Kwixesha elidlulileyo iitshekhi ibiyindlela eqhelekileyo yokuhlawula. Ngoku azisasetyenziswa kangako. kodwa akuthethi ukuba banyamalele. Ngokwenyani, zisasebenza kwaye phakathi kweentlobo ezikhoyo zezo zonyulo. Kodwa yintoni itshekhi yobuqu?
Ngezantsi siza kuthetha ngayo kunye nayo yonke into okufuneka uyazi malunga nezi ntlobo zetshekhi ngokohlobo lommkeli (kunye neendlela zokuhlawula).
Yintoni itshekhi yobuqu
Kusenokwenzeka ukuba xa ulifundile igama elithi nominative check uyaqonda ukuba yitshekhi eya egameni lomntu. Kwaye inyaniso kukuba awuyi kuphosakela. Luxwebhu lwentlawulo oluhlala lukhutshwa egameni lomntu wendalo okanye zomthetho, nto leyo ethetha ukuba ngumntu kuphela onokuqokelela ixabiso layo.
Ku malunga enye yeendlela ezikhuselekileyo zokuhlawula kuba kufuneka uzazise xa uyiqokelela, nangona phakathi kwezi kusenokubakho iindidi ezimbini:
- Ukuyalela. Ziitshekhi ezivumela ukuqinisekiswa, oko kukuthi, ukudlulisela ilungelo lokuhlawula kumntu wesithathu.
- Hayi ukuodola. Ziitshekhi apho ngumxhamli lowo, ngokunyanzelekileyo, ekufuneka aziqokelele.
Ngokubanzi, idatha enokuthi itshekishwe ngokutyunjwa yile ilandelayo:
- Igama elipheleleyo lomxhamli.
- Imali emayihlawulwe (zombini ngenani kunye nonobumba).
- Umhla kunye notyikityo lomntu okhupha itshekhi. Oku kubalulekile kuba ukuba ayisayinwanga ayinakwenziwa ukuba isebenze kwaye nomhla ikuvumela ukuba wazi ukuba lingakanani ixesha ekufuneka uyiqokelele.
Itshekhi enqamlezileyo yokhetho
Phakathi kwezinto ezitshekishwayo, kufuneka wazi ukuba kukho uhlobo olusetyenziswa ngokubanzi. Into ebizwa ngokuba yi-cross nominative check. Iquka ntoni? Inobungcali bokuba, ngaphambili kwetshekhi, kuzotywe imigca emibini ehambelanayo. Oku kubonisa ukuba isixa setshekhi asiyi kukwazi ukuhlawulwa ngokufanelekileyo. Oko kukuthi, ngemali enzima kwaye ebandayo, kodwa kunoko kunyanzelisa umhlawuli ukuba abeke loo mali kwi-akhawunti apho engumxhamli. Ngamanye amazwi, ziitshekhi apho imali ingabizwa.
Isizathu soku "ayisicaphukisi" njengoko unokucinga, kodwa kunoko Linyathelo elongezelelweyo lokhuseleko ukwenzela ukuba kungabikho nto yenzekayo kwimeko yokubiwa kwetshekhi, okanye ilahleko, yaye ngaloo ndlela kuya kwaziwa ngokuthe ngqo ukuba ngubani na ngokwenene lowo uyiqokeleleyo.
Indlela yokubhala itshekhi yobuqu
Ukuba awuzange uyenze ngaphambili, isheke sobuqu asiyomfihlo kakhulu.. Inye kuphela into ekufuneka uyenzile kukwazi igama elipheleleyo lomntu, okanye yomntu osemthethweni, emayendiselwe kuye loo tshekhi.
Kulungile ngoku, ungabeka imodyuli oyifunayo, oko kukuthi, "ukuodola" okanye "ukungaodoli", kunye nethuba lokunyanzelisa itshekhi ukuba ifakwe kwi-akhawunti yebhanki ngaphandle kokufumana imali ngemali.
Uyenza njani imali itshekhi yakho
Kwaye sithetha ngekheshi... Ngaba uyazi ukuba itshekhi yobuqu yenziwa njani imali? Inyaniso Zininzi iindlela zokwenzaYehova, sikuxelela zonke.
Imali
Oko kukuthi, ukufumana imali kwizinto eziphathekayo. Ukwenza oku kufuneka uye kwibhanki ekufuneka ihlawule loo tshekhi kwaye kuya kufuneka uzazise ukuze baqinisekise ukuba igama elikwitshekhi kunye neyakho iyahambelana (kungenjalo abayi kukunika yona).
Ngoku kunokwenzeka ukuba ngokukhupha itshekhi, ukuba awukwenzi kwibhanki enye yetshekhi, basihlawulisa iikhomishini (ezidla ngokuba phezulu kakhulu). Ngenxa yoko, abaninzi baya kwiibhanki zetshekhi ukuphepha ezi khomishini (nanini na kunokwenzeka, kunjalo).
ngembuyekezo
Eli gama lingaqhelekanga ngokwenene Ibhekisa ekufakeni isixa setshekhi kwiakhawunti apho umxhamli engumnini wayo.
Ngale ndlela ibhanki ayinyanzelekanga ukuba icele umxhamli ukuba azichaze, kodwa kubalulekile ukuba i-akhawunti oza kungena kuyo yeyakho (enoba njengomnini okanye ngokugunyazisiweyo).
Kwakhona, ukuba idiphozithi ivela kwibhanki eyahlukileyo siya kuba phambi kwekhomishini "yembuyekezo".
Uqinisekiso
Isiqinisekiso luhlobo olwahluke ngokupheleleyo lwentlawulo. Kwaye kukuba, ukuba itshekhi yonyulo yeyokuba ngumntu oyibhalileyo kuphela anokuyifumana imali, imvume ikuvumela ukuba uthumele loo tshekhi komnye umntu ukuze ayikheshe.
Into eyenziwayo yile ukudlulisela amalungelo komnye umntu ngendlela yokuba baqokelele. Kwaye kwenziwa njani? Ukuba isiya emntwini, ibhalwa kwitshekhi ngokwayo kwaye kufuneka isayinwe ngu "holder". Ukuba yeyomntu ophetheyo, kuya kufuneka isayinwe ngasemva kuphela.
Ewe, Nabani na oyiqokelelayo unokuthwala into ebizwa ngokuba yi "Isitampu seSizwe" Iza kukuhlawulisa malini ibhanki ngokwenza oko?
Ngokomzekelo, khawube nomfanekiso-ngqondweni wakho unetsheki ehlawulwa kutata wakho, kodwa yena evaliwe yaye akakwazi ukuya ebhankini. Kule meko, ukuqinisekiswa kunokwenziwa komnye umntu ukwenzela ukuba bawuqokelele (kwaye ngaloo ndlela bangalahlekelwa).
Ngaba olu qwalaselo luphelelwa?
Ukuba awuyazi, iitshekhi ziphelelwa lixesha. Balawulwa nguMthetho we-19/1985, we-16 kaJulayi, uTshintsho kunye neCheck. Kwaye kuyo, ngokukodwa kwisihloko II, isahluko IV, inqaku le-135, kuthiwa iitshekhi ezikhutshiweyo kwaye zihlawulwe eSpain ziya kuphelelwa emva kweentsuku zekhalenda ezili-15 (ukususela ngoMvulo ukuya ngeeCawe). Oko kukuthi, ukuba uthatha ngaphezu kwelo xesha akuyi kusebenza.
Kwimeko apho zitsheki zangaphandle kodwa zihlawule eSpain, ixesha leentsuku ezingama-20; kwaye ukuba zihlawuliswa ngaphandle kweSpeyin neYurophu, Ngoko ziintsuku ezingama-60.
Kwimeko apho usuku lokugqibela lwekhalenda lusuku olungelulo oloshishino (ngoMgqibelo okanye ngeCawa), yayiza kuya kwishishini elilandelayo. Ngokomzekelo, khawufane ucinge ukuba iphelelwa ngoMgqibelo umhla we-15. Umhla wokugqibela uya kwandiswa de kube ngoMvulo we-17. Kodwa akukho okunye.
Njengoko ubona, itshekhi yobuqu yindlela yokuhlawula ethi ikhuseleke ngakumbi kuba ingumntu okuloo tshekhi onokuyikhupha. Ngaba unamathandabuzo ngakumbi ngaye? Zibeke kwiikhomenti kwaye siza kuzama ukuziphendula.