Ukuyalela ngokuthe ngqo intlawulo kwiiakhawunti zethu yinkqubo eyenza ukuba kube lula inkqubo nokulawulwa kweendleko zethu Ngenxa yeenkonzo ezahlukeneyo zekhontrakthi, nangona kunjalo, kukho iimeko ezithile apho oku kunokuphikisana ngenxa yokuba kunokubakho intlawulo esingayityali okanye esingafuni kuyenza, nangona kunjalo, inkqubo iyakwenza oko ngokuzenzekelayo . Kwaye kwezi meko apho umbuzo uphakama malunga nokuba singayenza njani inkqubo buyisela irisithi yentlawulo. Kodwa ngaphambi kokungena kwinkqubo, makhe sibone ezinye zeendawo ezibalulekileyo ekufuneka sizithathele ingqalelo kwaye sizazi.
Into yokuqala ekufuneka siyazi kukuba kukweziphi iimeko esinokuthi siqwalasele ukuba kufanelekile Buyisa isiliphu, Kwaye kuxhomekeke kwimeko yethu kuya kulungela ukwenza iinkqubo ezingaphezulu okanye ezimbalwa kunokuba siza kuhlalutya kamva.
Iinkampani ezingathobeliyo
Okwangoku zininzi iinkampani ezifana nezi zinikezelayo iinkonzo zefowuni eziphathwayo, okanye iinkampani ezibonelela ngeenkonzo ze-intanethi abazinika abathengi bazo iimeko ezahlukeneyo okanye izibonelelo ezilingayo kakhulu, apho umthengi anokubhalisa kwiinkampani ngendlela elula kakhulu; Ngelishwa, kukho ezinye iinkampani ezibeka esweni iimveliso okanye iinkonzo zazo kwintengiso yazo, kwaye nje ukuba siqale ukuzisebenzisa, azikusondeli kwinto esasiyithenjisiwe.
Kwaye elona candelo lilibi kukuba amaxesha amaninzi ezi nkampani ezifanayo zibeka imiqobo emininzi ukuze zikwazi ukurhoxisa inkonzo, siyakucacisa oku kuba kubantu abaninzi eyona nto ilula yile rhoxisa iintlawulo kwaye ucele irisiti yokubuyisaNangona kunjalo, oku akulungelanga ngenxa yezizathu ezithile eziza kuchazwa kamva.
Kuba asizukusebenzisa iinkonzo
Ngamanye amaxesha sinokuthatha isigqibo sokungazisebenzisi iinkonzo ezibonelelwa ziinkampani, nokuba kungenxa yokuba ixesha lesivumelwano liphelile okanye ngenxa yokuba sifumene isithembiso esingcono nomnye umboneleli. Nangona kunjalo, ngexesha lenkqubo kunokwenzeka ukuba kudlule ixesha kwaye kwenziwe ityala kwiakhawunti yethu yebhanki. Kwezi meko sinokucela i ukubuyisa irisithi.
Iimpazamo kwintlawulo
Kwezinye iimeko kukho impazamo kwireferensi yokuhlawula apho iirisithi zilayishwa khona, kwezi zihlandlo kubalulekile ukwenza Buyisa isiliphu ukuze ukwazi ukulungisa ulwazi.
Ukuze ukwazi chonga iimpazamo Njengale, kubalulekile ukuba siyazi ingxelo yethu ye-akhawunti yebhanki, kwaye kukuba nangona siza kufumana isaziso kwinkampani ukuba ayifumananga ntlawulo, kungcono ukuba sizichaze ezi mpazamo zinokwenzeka kwangexesha.
Imali engachanekanga
Enye yeemeko esinokuthi sithathe kuzo isigqibo sokubuyisa irisithi Kuxa imali ebibiziwe ingeyiyo le ibonisiweyo. Kubaluleke kakhulu ukuba kuzo zonke iimeko sibe nomkhwa olungileyo wokugcina amaxwebhu anokuthi asebenze njengobungqina bazo zonke iinkqubo nezivumelwano esifikelela kuzo kunye Mnikezi nkonzo.
Ukubuyisa irisithi
Into yokuqala esiza kuyicacisa yeyokuba nawuphi na umsebenzisi webhanki unelungelo lokubuyisa irisithi ukuba akafuni kuyihlawula, kodwa zimbini iimeko apho iinkqubo zinokwenziwa khona ukuze buyisela irisithi.
Ityala lokuqala kuxa i Isizathu sokubuya kukuba sihlawulisiwe okanye sihlawuliswe isixa esingachanekanga, esingahambelaniyo nemigaqo yesivumelwano esisisayinileyo, ngokubanzi amabango ethu kuxa intlawulo yenziwe inkulu kunaleyo kuvunyelwene ngayo, nangona kunjalo, kubaluleke kakhulu ukuba kwimeko Ngaphantsi kwesixa ekuvunyelwene ngaso, siza kuwusombulula lo mba.
Ngaphambili besikhe sathetha ngokubaluleka kokugcina onke amaxwebhu anxulumene nenkqubo yokuqesha, kwaye kwezi meko kuyakubaluleka kakhulu ukuba sihambise uxwebhu oluchaza isixa esivumeleneyo ukusihlawula ukuze ibhanki ikwazi ukukhangela ubungakanani kwaye igunyazise ukubuyisa irisithi.
Le yokugqibela icetyiswa kakhulu kuba kukho amaxesha apho inkampani inokuthi ithathele ingqalelo intlawulo ingaphelelanga, kwaye oku kunokuvelisa iintlawulo ezongezelelweyo kwintlawulo elandelayo. Ngamanye amaxesha oku kunokuba ligatya elichazwe kwisivumelwano. Kungenxa yoko le nto kubaluleke kakhulu ukuba siqwalasele ukujongana nezi meko ngokukhawuleza; Nangona oku kungangunobangela we Ukubuyisa irisithi yinto ekufuneka uyazi.
Ngoku, ukuba imfuneko yokuba imali ebiziweyo kwaye le ekuvunyelwene ngayo nenkampani ayivumi, sinokubuyisa irisithi, kodwa kule meko kukho izithintelo ezithile.
Enye yezona mfuno zibalulekileyo ekufuneka sizithobele kukuba mzuzu wokuqhuba kwethu kungadlulanga iiveki ezisibhozo emva kokwenziwa kwemali. Ke ukuba sikumhla wokugqibela kunokwenzeka ukuba siqhubeke nenkqubo yokubuyela.
Inkqubo yokubuyisa
Le nkqubo inokwenziwa kwi iindlela ezimbini ezahlukeneyoEyokuqala kukuya kwamanye amasebe ebhanki ngokwasemzimbeni.Kule meko, ukuya kumphathi weakhawunti kuyakusinika indawo ukuze sikwazi ukusombulula onke amathandabuzo esinokuba nawo malunga noku, kwaye ngale ndlela singayiphucula inkqubo; Ngoku, kubaluleke kakhulu ukuba xa sisenza ezi nkqubo sinekopi yawo onke amaxwebhu abaza kusicela ukuba siwenzile. amabango kunye neenkqubo.
Olunye ukhetho esinalo kukwenza isicelo kunye nenkqubo ye-intanethi; Ukuba sithatha isigqibo kolu khetho kuya kufuneka singene kwi-portal yebhanki yethu, nje ukuba sisekhaya lasekhaya kufuneka singene kwicandelo elivulekileyo. Nje ukuba singene kule menyu siza kufumana iinketho ezininzi phakathi kwazo ekufuneka sizenzile khetha "iirisithi" leyo ingaphakathi Ithebhu "yeeakhawunti".
Nje ukuba olo khetho lufakwe, uluhlu luya kuboniswa olubandakanya iiakhawunti esinazo; Apho kuya kufuneka ukhethe ikhonkco elo ebizwa ngokuba "yimbali", Oku kuya kungqinelana neakhawunti esifuna ukwenza kuyo inkqubo. Nje ukuba olu khetho lukhethwe, uluhlu olupheleleyo lwamatyala ngqo luya kuboniswa.
Okwangoku kufuneka sikhethe i-debit ngqo esifuna ukubuyisa kuyo irisithi. Nje ukuba singene kweli candelo, konke okufuneka ukwenze kukucofa indawo ikhonkco "buyela". Yiyo yonke le nkqubo ekufuneka siyenzile.
Yeka ukuhlawula
Omnye we Izinketho eziza kuvela kukungahlawuli ngaphezuluKungenxa yokuba iintlawulo ezizenzekelayo azisenziwa kwiakhawunti yethu. Okwangoku kufuneka sicacise oku kulandelayo, kwaye kukuba besikhe sakhankanya ukuba ngamanye amaxesha iinkampani zibhenela kumaqhinga ukuze umthengi azenzele iinkonzo ngendlela elula, kodwa yenza inkqubo yokurhoxisa inkonzo ibe nzima. Kule meko, into edla ngokwenziwa ngabantu abaninzi kukususa isitshixo ngqo, ngaphandle kwento yokuba inkqubo echanekileyo kukwenza iburofax, eyifomathi ezalisiweyo kwaye ithunyelwe ngenjongo yokurhoxisa inkonzo engasasebenziyo Iyafuneka.
Oku kuhlala kubangela ukuba umsebenzisi abe Ndithumele kwiRAI okanye kwiASNEF, kwaye kwiimeko ezininzi oku kuyenzeka ngaphandle kokuba umsebenzisi aziswe, kungabanga iingxaki kwiinkqubo ezilandelayo. Kubo kuyacetyiswa ukuba ngaphandle kwezizathu zokurhoxisa inkonzo, sikwenza oko ngeenkqubo ezichanekileyo.
Iintlawulo zekhaya
Njengoko kukhankanyiwe ekuqaleni kweli nqaku, ukutsala ngokungqalileyo ezinye iintlawulo kwiiakhawunti zethu zebhanki yinkqubo eyenza ukuba ubomi bethu bube lula kakhulu, kwaye kulula kakhulu ukulawula iindleko zethu, kwaye iququzelele inkqubo yokwenza intlawulo. okanye xa usiya kwenza idipozithi; Nangona kunjalo, ngaphambi kokwenza isigqibo sokuyalela intlawulo, kubaluleke kakhulu ukuba siqwalasele ukuba oku kunyanzelekile na.
Isizathu sokuba sinike le ngcebiso kukuba kwizihlandlo ezininzi inyani yokuba yonke inkqubo yentlawulo yenziwe ngokuzenzekelayo, kunokwenzeka ukuba siphulukane nomkhwa woku jonga ukuba zihamba njani iimali zethu, Kwaye ngenxa yoku kunokwenzeka ukuba kamva siqubisane nobunzima. Ukwenza lo mzekelo ungasentla, singathetha ngemeko yokuthelekelela apho iinyanga ezithile ukuhlawulwa kwetyala ngokuthe ngqo kuye kwanda ngaphandle kokwaziswa, ke, ukuba asinawo umkhwa wokujonga ingxelo yethu yeakhawunti, kunokwenzeka ukuba sihlawula imali eninzi .
Ngoku xa ugqiba Ukuhlawula ngqo kwi-debit Kuyacetyiswa kakhulu ukuba sigcine umkhwa wokujonga ingxelo yeakhawunti, ukulungiselela oku ukuze sichaze ishedyuli ethile.