Intlawulo yomyalelo: Yintoni, inikwa nini

Uhlobo lomyalelo wentlawulo

Ngaba ukhe weva ngomyalelo wemali? Ngaba uyazi kakuhle ukuba sithetha ngantoni? Ligama esilisebenzisa phantse yonke imihla., nangona singathethi ngomlomo, kodwa ngemisebenzi ethile, uyayithetha.

Kodwa uthini umyalelo wentlawulo? Inikwa nini? Yenzelwe ntoni? Yonke into kunye nezinye izinto esiza kuthetha ngazo ngokulandelayo.

Yintoni umyalelo wentlawulo

umyalelo wentlawulo

Umyalelo wentlawulo unokuchazwa njenge uxanduva olunikwe ibhanki ukuhlawula isixa esithile kumntu wesithathu (ngokomzimba okanye ngokomthetho).

Ngamanye amagama, Yimiyalelo ekufuneka umnini-akhawunti ayinike ibhanki ukuze iqhubeke nokuthumela imali kwenye umntu wesithathu, umntu osemthethweni, inkampani okanye iziko.

Enyanisweni, kufana ne-a indlela yokuqinisekisa ukuthumela imali kwabanye abantu, ukuba nje iimfuno ezithile zihlangatyeziwe.

Usebenza njani umyalelo wentlawulo?

Ukusebenza komyalelo wentlawulo

Okwangoku unokucinga ukuba umyalelo wentlawulo uyafana naleyo uyinikayo xa uhlawula ngekhadi lakho kwaye ibhanki ikucela ukuba uhlawule loo ntengiselwano kwiselula yakho. Y Inyaniso yeyokuba awuyi kuphambuka.

Umyalelo wentlawulo wenziwa ngezigaba ezibini:

Kwinqanaba lokuqala, ibhanki kufuneka yamkele kwaye isebenze ukukhutshwa komyalelo wentlawulo. Kodwa ukwenza oko, kufuneka ujonge ulwazi kuqala. Phakathi kwedatha eya kucelwa iya kuba: idatha yomhlawuli kunye nomqokeleli, oko kukuthi, ngubani othumela imali kwaye ngubani owamkelayo; isixa semali, kufakwa kokubini ngamanani nangeencwadi; imali ekufuneka yenziwe ngayo; iinkcukacha zebhanki kunye nenombolo ye-akhawunti, nokuba yi-BIC okanye i-SWIFT. Ukongeza, kuya kubakho ikhowudi ekhethekileyo ukuba imali efunyenweyo inkulu kune-euro eyi-12.500.

Ukuba konke kuhamba kakuhle, ibhanki ithumela imali kwiibhanki zomnye umntu. Kodwa ungamniki loo mntu okwangoku.

Isigaba sesibini siqala xa iibhanki ezifumanayo zifumene imali. Bajonga yonke into kwakhona kwaye, ukuba ichanekile, umxhamli unikwa ikhredithi.

Ngoobani abathathi-nxaxheba bomyalelo wentlawulo

Iodolo yentlawulo

Xa kunikwe konke oku kungasentla, akukho mathandabuzo ukuba iiarhente ezininzi zisebenza xa zisenza umyalelo wentlawulo. Kodwa, ukuyeka ukwazi ukuba ziyintoni na, apha uya kuba nesishwankathelo:

  • umhlawuli. Ngumntu ekufuneka athumele imali komnye umntu, inkampani, umbutho... Lo mntu kufuneka aye ebhankini yakhe ukuze enze lo myalelo ngokusesikweni aze ngaloo ndlela aqinisekise ukuthunyelwa kwemali leyo.
  • Ibhanka ekhuphayo. Yiyo eya kuba noxanduva lokuthumela imali, itsalwe kwi-akhawunti yomxhasi wayo, ongumhlawuli, kwaye idluliselwe kwibhanki efumana umxhamli. Le bhanki inokufana naleyo yomhlawuli okanye hayi. Kule nkonzo, ibhanki ihlawulisa uluhlu lweendleko kunye neekomishini.
  • Ukufumana ibhanki. Lilo elijongene nokufumana imali kwaye likwaqinisekisa ukuba yonke into ichanekile phambi kokuba ihlawulwe kwi-akhawunti yomxhamli. Ngapha koko, oku kunokukhokelela kuthotho lweekhomishini kumxumi wakho, kunye neendleko.
  • Umxhamli.  Nguye umntu ofumana imali kwiakhawunti yakhe kwaye unokuyisebenzisela nantoni na ayifunayo.

Zeziphi izibonelelo ezinazo

Kusenokwenzeka ukuba awukaziboni izibonelelo, kodwa inyaniso kukuba kukho kwaye kukho ezininzi. Ngamafutshane, sinokukuxelela ukuba iingenelo zomyalelo wentlawulo zezi:

  • Khawuleza kakhulu. Ngenxa yokuba phakathi kokuthumela kunye nokufumana, inkqubo inokuthatha phakathi kwe-24 kunye ne-48 iiyure zokusebenza.
  • Unokuhlawula nayiphi na imali. Njengoko sikuxelele, enye yedatha eyakucelwa yibhanki xa uyokwenza ngokusesikweni umyalelo wentlawulo kukuba uyixelele ukuba ufuna yenziwe ngayiphi na imali. Oku kunceda kakhulu kutshintshiselwano lwezorhwebo kunye nokukwazi ukwenza ukuthengiselana kwihlabathi jikelele.
  • Sithetha ngendlela ekhuselekileyo. Kwaye ikhuselekile kuba isebenza ngeebhanki kwaye zezi ziqinisekisa ukuhamba kwemali kunye nokhuseleko lwayo.

Ayilunganga kangako

Nangona zonke iingenelo ezinikezelwa ngumyalelo wentlawulo, asikwazi ukulibala ukuba kukwakhona ukungonakali. Kwaye kunjalo ukwenza oku kufuneka uhlawule uthotho lweendleko ezibhankini Yintoni ekufuneka ithathelwe ingqalelo.

Kwelinye icala, ziindleko ze-SHA ekuya kwabelwana ngazo kuzo zombini. Kwelinye icala, banjalo Iindleko ze-BEN, eziya kuhlawulwa ngokwahlukeneyo ngumntu ngamnye njengoko kumiselwe yibhanki yakho.

Kwakhona, Enye into engalunganga kwiqela loku-odola kukuba ayinakuqinisekiswa ukuba uya kufumana ukuthengisa. oyithengileyo (okanye ukwenza inkonzo) kwaye, kwelinye icala, iodolo iya kuqwalaselwa.

Ziziphi iintlobo zomyalelo wokuhlawula onokubakho

Okwangoku, kukho ii-odolo ezimbini zentlawulo ezenziwa ngenkqubo efanayo.

ugqithiselo olunye

Le yeyona nto ixhaphakileyo kwaye yenziwa phantse kuzo zonke iimeko.ewe Iquka kuloo nto umhlawuli uvumela ibhanki ukuba ifikelele kwi-akhawunti yakhe ukuthabatha isixa semali efunekayo ukwenza udluliselo.

Ukwenza oku, oku kufuneka kwenziwe, nokuba ubuqu kwiofisi yebhanki yakho, okanye ngekhompyutha kwiwebhusayithi yebhanki yakho, ngaphakathi kweakhawunti yakho (okanye yeshishini).

Ugqithiso lwefayile

Xa kufuneka wenze iintlawulo ezininzi kubaxhamli, umzekelo kwimeko yenkampani enemivuzo emininzi yabasebenzi okanye ekufuneka ihlawule ababoneleli abahlukeneyo, ukudluliselwa kwenziwa kwiifayile.

Oku kukhawuleza kuba ngoxwebhu olunye ungalawula inani elikhulu leodolo yentlawulo.

Kubizwa ngokuba oko umhlawuli akwenzayo kukulungiselela ifayile apho unokuseka isixa-mali kumxhamli ngamnye, kunye nemali ekufuneka yenziwe ngayo, ibhanki, njl.

Njengoko ubona, i-odolo yentlawulo ikhona kakhulu kwimihla yethu yemihla ngemihla kunokuba unokucinga ngexesha elithile. Ngaba uyathandabuza? Yiyeke kwizimvo kwaye siya kuzama ukuyiphendula.


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