Amanqaku esithembiso luxwebhu lwemali olukhutshiweyo luze lusiwe kwenye inkampani okanye umntu onenjongo ecace gca, engeyiyo enye ngaphandle kokufumana isibophelelo semali. Oko kukuthi, uyazibophelela kukuhlawula isixa semali ngomhla othile.
Kuxhaphake kakhulu xa kujongwe iingxaki ezithile zokungabi namali yakuhlawula amatyala kwicala labakhupheli babo kwaye bakhetha ukuhlawula ngolu hlobo kunezinye iintlobo zeemveliso, kubandakanywa nentlawulo yemveli kwi-akhawunti. Lo ngumkhuba osetyenziswa ziinkampani ezithile ezincinci neziphakathi ukusombulula iingxaki zabo zokubala.
Le yinkqubo engasetyenziselwa kuphela ukuhlawula abathengi okanye iinkampani zenkonzo, kodwa kunye nabasebenzi babo. Nangona ngendlela efika ngexesha kwaye ungaze ube ngumkhwa othe kratya okanye onganeno xa uthumela izixa zemali kubantu besithathu. Ngakolunye uhlangothi, kunye nokuqonda ngcono ukuqonda kwayo, yimveliso efana kakhulu nento eyibhili yokutshintshiselana ngayo.
Iimfuno zokukhupha ngokuchanekileyo inqaku lesithembiso
Ukongeza kuyo yonke le miqathango, inqaku lesithembiso kufuneka liqulathe ubuncinci obufunekayo ukuze uxwebhu lube semthethweni kwaye zezi zilandelayo:
- Kufuneka ibonakaliswe kuxwebhu ngendlela ecacileyo igama elithi "hlawula", azikho ezinye iintsingiselo okanye amagama asebenzayo.
- Umhla wokuphelelwa kufuneka ubandakanywe kuzo zonke iimeko. Koko kukuthi, ixesha eya kuhlawulwa ngalo imali kwenye inkampani okanye umntu.
- iya konyulwa a beka intlawulo. Akunyanzelekanga ukuba ibe yibhanki ethile okanye kwidilesi ethile. Ngokuchasene noko, kuya kwanela ukubonisa abantu apho le ntshukumo yebhanki iza kwenziwa khona (Madrid, Barcelona, Segovia ...)
- Iya kuba sisithembiso esiqinileyo apho umniki-nkonzo azibophelele ekwenzeni intlawulo kwaye oko kuya kubonakaliswa, nokuba ngamanani okanye ngoonobumba.
- Ewe kunyanzelekile ukuba kolu xwebhu indawo kunye nomhla wokukhutshwa kubonisiwe yale mveliso. Njengomsayini womniki, ekubeni ukuba kukho nayiphi na le datha ilahlekileyo, iya kubhengezwa njengento engekhoyo kwaye ngoko ayinakuhlawuliswa phantsi kwazo naziphi na iimeko.
Ndiza kuhlawula uku-odola hayi uku-odola
Kwimeko nayiphi na into, kukho umehluko kule mveliso yezemali enokukhokelela kwiimpazamo ezithile ekukhutshweni kwayo. Ngumahluko okhoyo phakathi kwe-promissory note kumyalelo kwaye kungekhona kumyalelo, apho owokuqala uquka into yokuba umhlawuli uyavuma ukuhlawula intlawulo ekhethiweyo ngaphakathi kwexesha elimiselweyo.
Nangona, ngokuchaseneyo, into ebizwa ngokuba ngu-hayi kumyalelo isekelwe kwinto yokuba ayikuvumeli ukuba ivunywe kumntu wesithathu kwaye, ngenxa yoko, amandla amakhulu okuxoxisana anokuveliswa. Nangona ngokusebenzisa i ngethuba i-notarial kunye nemvume epheleleyo yomniki. Lo ngumba ekufuneka uthathelwe ingqalelo ukuze ungafumani ukothuka okungalunganga ngamaxesha athile ekumiselweni kwawo ngokusesikweni.
Nangona kukho inzuzo kule modeli yokugqibela yokuhlawula amashishini amancinci naphakathi awaziyo: abayihlawuli irhafu. Irhafu kwiMithetho yoMthetho eXwebhu.
Ngento abanokuthi bafumane inzuzo enkulu yezoqoqosho ngokukhutshwa kwabo ngokulondoloza le nkcitho yemali. Ngelixa, ngokuchaseneyo, ukusilela kwayo okuphambili kukuba akunakwenzeka ukubhenela kwiinkqubo zesigqeba ukubanga intlawulo ehambelanayo, kwimeko yokubuyisela okanye ukungahlawulwa okufanayo.
Ke ngoko, kuya kufuneka umisele ukuba yeyiphi kwezi zimbini ezinye iindlela ezisebenza ngakumbi kumzuzu ngamnye kuba zibonelela ngeempawu ezahlukeneyo. Kwaye ukuba, ngokomgaqo, azikho ngcono kwaye azibi nakakhulu, kodwa zisekelwe kwiimfuno zokwenyani ze-accounting yenkampani.
iintlobo zeenowuthsi ezithembisayo
Le ndlela yokuhlawula ixhasa iimodeli ezininzi kunye nendalo eyahlukeneyo. Umahluko wokuqala ubonakala malunga nokuba ngubani okhuphayo. Isenokuba a inqaku lebhanki ezizezi zikhutshwe liziko letyala kwaye zithathwa njengezona zamkelwa kuzo zonke. Ngelixa kwelinye icala, kukho amanqaku eenkampani ezithembisayo ukuba, njengoko igama labo libonisa, luxanduva olufanayo.
Omnye umahluko uyenzeka ngokuxhomekeke kwixesha ekwenziwa ngalo intlawulo kwaye zeziphi ezona zivuselela umdla kakhulu ngenxa yokubaluleka kolu phawu. Ezi ziiklasi ezikhoyo ngoku:
- Amanqaku emfuno: zezo kufuneka ziqhutywe ngexesha elichanekileyo apho zichazwe khona kwaye ngoko azinako ukubangela ukulibaziseka kule ntshukumo yocwangciso.
- amanqaku esithembiso semihla ngemihla: Kwenzeka xa kugqitywe ekubeni kumiselwe umhla omiselweyo wexesha lokuqokelela noluthetha ukuphela kwayo. Ine-drawback echaza ukuba ibango lenziwe ngokulibaziseka kosuku olunye kuphela.
- amanqaku non-ukuvuthwa promissory: nangona ingeyiyo eyona fomati ixhaphakileyo, kufuneka igxininiswe into yokuba iyafana noxwebhu olubonwayo. Oko kukuthi, ihlawuliswa ngexesha elichanekileyo lokucelwa ngumsebenzisi.
Iindidi zamanqaku esithembiso ngokwendlela yokuhlawula
Ngolunye ulwahlulo oluqhelekileyo kule mveliso yezemali. Inika iifomathi ezintsha esiya kuthi sichaze ngezantsi:
- amanqaku esithembiso anqamlezileyo: zibonakaliswe ngokukodwa ngophawu olukhethekileyo: kufuneka zihlawulwe, mhlawumbi kwi-akhawunti okanye kwiofisi yebhanki.
- Amanqaku okuthembisa ukuhlawula iakhawunti: njengoko linjalo igama labo, babhekisela kumaxwebhu anokuthi ahlawulwe kuphela kwi-akhawunti. Ngelixa kumahluko wokugqibela usekwe kwisenzo soqinisekiso, ngezimodeli zilandelayo esizivezayo:
- amanqaku athembisayo uku-odola: apho umamkeli angayidlulisela kumntu wesithathu ngesi sicwangciso-qhinga sezemali.
- amanqaku athembisayo ukuba angayaleli: akuyi kuba nako ukwenza isenzo sangaphambili ekubhaliseni kwakho kwaye evelele ukuba yenye yeefomathi ezibanzi ngokubhekiselele kwiikomishini ezisetyenziswa kuyo.
- Kwaye ekugqibeleni, omnye ukwazana endala phakathi abatyali-mali abancinci naphakathi, ezifana inqaku lesithembiso esibhalisiweyo. Olona phawu luphambili kukuba lunikezelwa ngaphandle kwegatya lomyalelo. Ngelixa kwelinye icala, inokuvunyelwa kumntu wesithathu okanye inkampani.
inqaku lesithembiso esibhalisiweyo
Njengoko kulula ukuyiqonda, kukho iintlobo ezininzi zeenowuthsi ezithembisayo, nangona mhlawumbi ngenxa yeempawu zayo ezikhethekileyo, enye yeyona nto ifanelekileyo linqaku lesithembiso esibhalisiweyo. Lumalunga nantoni olu xwebhu? Ewe, njengoko igama layo lisitsho, yimveliso apho umntu okanye inkampani inoxanduva layo hlawula kwenye indawo kwinkqubo imali ethile elungelelanisa imimiselo ethile kwixesha lexesha.
Enye yezona zinto zibalulekileyo ezisebenzisayo kukuba luxwebhu oludla ngokusetyenziselwa iinjongo zebhanki. Ithetha ntoni le nto? Ewe, kulula ukuyisebenzisa esetyenziselwa ukuhlawula ababoneleli kwaye kungenxa yesi sizathu ukuba ngumsebenzi oqhelekileyo kwiinkampani ezincinci kunye neziphakathi ukwenza olu hlobo lwentlawulo kwi-akhawunti.
Ukongeza, kulula ukugcwalisa kunakwamanye amanqaku anzima kakhulu. Phakathi kwezinye izizathu, kuba ukuze le nkqubo yentlawulo isebenze kufuneka ibhaliswe kwaye ingaze ihlawulwe. Oko kukuthi, ukukhutshwa kwayo kuya kwenziwa komnye umntu ongumqokeleli.
Iifomu zenqaku lesithembiso esibhalisiweyo
Ngaphandle kokubonakala kokulula, ziboniswa kwiifomathi ezahlukeneyo zosasazo, njengoko siza kuchaza ngezantsi:
- Utyumbo, ngaphandle kwegatya lomyalelo. Yeyona ixhaphakileyo kuzo zonke kwaye isekelwe kwinto yokuba umntu kufuneka atyunjwe njengomntu onelungelo. Apho kuya kuba yimfuneko ukubeka igama lommkeli kuxwebhu.
- otyunjiweyo ukuba angayaleli. Luxwebhu oluntsonkothile ngakumbi, kodwa lunokuqondwa ngokulula njengoko iyinkqubo efuna iqela eliyalelayo ukuba lithintele ukuba lingagqithiselwa ngokuvuma. Kwimeko nayiphi na into, ukugcwalisa olu xwebhu kuya kufuneka uchaze inani lemali, igama lommkeli kunye nomhla owenziwe ngawo. Nge-caveat ukuba eli nqaku lithembisayo "ayikuyalela."
Kuzo zombini iimeko, ziinkqubo zokuhlawula ezisetyenziswa ngokubanzi ngabanini abancinci ukuhlawula ababoneleli ngokulula kwemodeli yabo. Kanye njengokuba ibavumela ukuba balungelelanise nomhla wentlawulo.
Izinto eziluncedo xa usenza inqaku lesithembiso esibhalisiweyo
Ukusetyenziswa kwenqaku lesithembiso elibhalisiweyo kubandakanya uthotho lweenzuzo zabo bamabi balo yaye ke ngoko kufuneka zivavanywe ngalo lonke ixesha, enoba le misebenzi yenziwa ngabantu okanye ziinkampani ezincinci. Njengeentshukumo zilandelayo esiza kuziveza ngezantsi:
Sisixhobo sentlawulo esisebenza njengebambela lemali ezinkozo kwaye esivumela abahlawuli bayo a bhetyebhetye ngakumbi kulawulo nasekukhutshweni kwayo.
Ukusetyenziswa kwayo kuvumela, enyanisweni, ukuba akukho mfuneko ukuphatha imali eninzi. Ngokuthuthuzeleka okuzisa koosomashishini abancinci nabaphakathi abathi, kwiimeko ezininzi, bangabinayo imali eyaneleyo yokwenza le misebenzi yemali.
Elinye igalelo layo elikhulu kukuba lenza kube nokwenzeka ukuba nemali eninzi kwiibhanki. Ukuya kwinqanaba lokuba banokuyisebenzisa nangaliphi na ixesha ukuze ukonyusa iintlawulo ukusuka kula manqaku esithembiso.
Ngelixa ibonwa kwelinye iqela, umamkeli, icingela inzuzo enkulu njengoko iyinkontileka ebophelela ngokusemthethweni kwintshukumo yokuhamba kwemali. Kodwa yintoni ebaluleke ngakumbi kwiminqweno yabo: iqinisekisa ukuba intlawulo inokwenziwa ngaphandle kohlobo lwezithintelo.
Ngomhla ochaziweyo kuxwebhu. Ukuvelisa ukhuseleko olukhulu kwimali etyalwayo. Ngenxa yokukhutshwa kwayo negama lomntu wendalo okanye osemthethweni omele ayiqokelele kwaye iyahluka kwinqaku lesithembiso somphathi ngenxa yokuba le datha ayibonakali nanini na.
inqaku lesithembiso sebhanki
Le yenye yezona ntlobo zixhaphakileyo zamanqaku esithembiso. I-bank promissory note luxwebhu apho iinkampani uxanduva lokuhlawula isixa-mali kwabanye abantu. Ukuba yinto eqhelekileyo njengendlela yokuhlawula kwiintengiselwano zorhwebo ezenzeka phakathi kweenkampani ezincinci kunye neziphakathi.
Ubungcali bayo buxhomekeke kwinto yokuba olu xwebhu luqhelekile isivumelwano ngamaxesha amafutshane kakhulu: 30, 45 okanye 60 iintsuku. Ungaze ube nexesha elide lokuhlala. Apho xa ixesha lokuvuthwa lifika, yibhanki ngokwayo ebonisa njengengqokelela kwi-akhawunti yokutshekisha apho le mveliso yemali ibhekiswa khona.
Izinto eziluncedo kwi-bank promissory note
Oko kukusetyenziswa ukuba i-bank promissory note inikwe ngoku ukuba kuyimfuneko ukugqamisa inzuzo yalo msebenzi wobalo. Kukho ezininzi kunye neentlobo ezahlukeneyo, ezifana nezi sizibonisa ngezantsi, kwaye nangayiphi na imeko zichaphazela zombini iindawo zenkqubo:
Enye yezona zinto zibalulekileyo kukuba umxhamli woxwebhu uya ukufumana imali eboniswa kuxwebhu ngaphandle kwengxaki.
Ngelixa ngokuchaseneyo, ulibazise intlawulo, umenzi unokulahla loo mali ukuze abele eminye imisebenzi yeshishini. Umzekelo, ukutyala imali kwezinye iiprojekthi ezinengeniso kwiqumrhu.
Kule meko, kufuneka sijonge imeko enokuthi yenzeke ngamaxesha athile. Akukho wumbi ngaphandle umhla wokuphelelwa odlulileyo ngaphandle kokuyifumana kumamkeli. Kule meko ikhethekileyo, awuyi kuba naso esinye isisombululo ngaphandle kokuya kumaqumrhu okugweba ukuze ufumane imali oyityalayo. Ngokuqhelekileyo i-akhawunti iya kuhlawuliswa, nangona kungathatha ixesha ukuba le meko yenzeke.
Ngakolunye uhlangothi, i-bank promissory note yahlulwa kwamanye amaxwebhu aneempawu ezifanayo kuba iyaziwa kwangaphambili uthini umhla wentlawulo. Oku kunje, kuba isoloko ibonakaliswa ekukhuleni. Le mveliso yezemali ikwabizwa ngokuba "sisithembiso sentlawulo" ngenxa yeentsingiselo zeenjongo enazo. Ngokunjalo nangokhuseleko olunikezela kumamkeli.
Nangona kuyindlela yokuhlawula abathengi okanye ababoneleli, akumangalisi kakhulu ukuba isetyenziselwa ukuhlawula intsebenziswano yeengcali okanye nakwezinye iimeko ukuhlawula abasebenzi. Nangona kwimeko yokugqibela, rhoqo ngexesha kwaye ngendlela ekhethekileyo ekusebenziseni kwayo.
Thetha inqaku lesithembiso
Kule nkqubo, amaqela amaninzi ayinxalenye yale nkqubo kufuneka athathelwe ingqalelo. Kwelinye icala, kubamkeli yale mveliso yezemali kwaye, okwesibini, kwiibhanki ngokwazo, ukuba kuvela imeko. Ukuze ngale ndlela, iimeko zabo zekontraka zitshintshwe. Kwimeko nayiphi na into, ukuthetha-thethana ngenqaku lesithembiso akufuneki kube ngumsebenzi onzima kulo naliphi na iqela ukuba kukho ukuhambelana okucacileyo kwiinjongo ezilandelwayo.
Ukusuka kulo mzekelo jikelele, enye yeemeko eziqhelekileyo apho uthethathethwano lufuneka kuxa ufuna ukuqokelela imali ngaphambi kokuba iphelelwe lixesha. Ewe, kule meko, kuyimfuneko ukwazi ukuba yonke into Amathandabuzo anokuthi iziko lezemali liwazise ukulindela intlawulo. Ukuya kwinqanaba lokuba (ibhanki) ayinakukhetha ngaphandle kokuthethelela isigqibo sayo, ngendlela enye okanye enye.
Beka imida yoxanduva kunye neendlela zokuhlawula
Ngaloo ndlela, enye yemilinganiselo yokuqala eya kuthatha iibhanki iya kuba kukuvula isifundo esineenkcukacha kakhulu kumaxwebhu anikezelwe ngumculi. Apho iimfuno zamaqela omabini zithathelwa ingqalelo. Ngakolunye uhlangothi, enye yezona zinto zibalulekileyo kwiingxoxo zenqaku lesithembiso zihlala kwinto yokuba yonke imiba enxulumene nale mveliso yemali kufuneka icace kakhulu. Koko kukuthi, ukuba inqaku lesithembiso liyamkeleka, zebhanki okanye ngenye indlela yorhwebo. Zininzi izinto eziguquguqukayo ezinokuthi zenzeke kangangokuba zinokuvelisa uthethathethwano olunzima kakhulu.
Ngelixa kwelinye icala, inkalo ebaluleke kakhulu njengokuba inkampani ingumnini wenqaku lesithembiso sokungaodoli ayinakulibaleka. Kuba inokuba a Ubunzima bokufikelela kwisivumelwano esanelisayo. Njengoko kwifomathi yesaphulelo sokubuyisela, xa ucinga ukuba kunokwenzeka ukuba kubangele imeko yokungahlawulwa yinkampani, kuya kuba yinkampani ngokwayo eya kujongana nentlawulo.
Akubalulekanga kangako iindleko kulawulo nokugcinwa kwazo zonke ezi meko kwaye ezinokuthi zibandakanywe nothethathethwano. Ukuthintela imbuyekezo enokuthi igqithise kwizinto ezinomdla kwiinkampani. Okokugqibela, ezinye izinto ekufuneka zithathelwe ingqalelo ukusukela ngoku kukwazi amaziko emali abonelela ngezaphulelo kunye okanye ngaphandle kwezibonelelo. Akumangalisi ukuba kuya kuxhomekeka ekubeni ngubani ekugqibeleni omele aphendule kwintlawulo.
Qokelela inqaku lesithembiso phambi kokuvuthwa
Xa sibhekisela kwinqaku elithembisayo, sithetha ngoxwebhu apho inkampani okanye umntu evuma ukuhlawula imali kwenye inkampani okanye ingcali kwixesha elidlulileyo lexesha. Eli xesha libizwa ngokuba kukuvuthwa kwayo kwaye ingxaki kwezinye iimeko ikukuba le minikelo yemali iyafuneka. ngaphambi kokuba iphele.
Ngeli xesha kukho izicwangciso ezininzi kulawulo lwakho ukuqokelela inqaku lesithembiso phambi kokuvuthwa kwalo. Ngokubanzi ngokwenza le mveliso yemali ngokwendlela yakho yokuhlawula. Esi sicwangciso sikhokelela kwinto yokuba kukho iifomati ezininzi kwigumbi layo leendaba ezihlangabezana nezi mpawu zichazwe kakuhle. Eyona nto ixhaphakileyo, njengoko igama layo libonisa, ngokusebenzisa i amanqaku non-ukuvuthwa promissory kwaye oko kuvumela abamkeli ngexesha elichanekileyo apho le ntengiselwano yemali iceliwe. Ngaphandle kokulinda nawuphi na umhla othile.
Inqaku Lesithembiso Phambi Kokukhula: Ukuguquguquka ngakumbi
Yimodeli elula kwiinkampani ekufuneka ziqokelele imali ngenxa yomsebenzi wazo, iinkonzo okanye nayiphi na enye inkuthazo. Ngokuba bhetyebhetye ngakumbi ekufumaneni imali. Le yenye indlela ekufuneka zombini iinkampani kunye nabasebenzi abazisebenzelayo bayenze khawulezisa le nxalenye yenkqubo.
Kwelinye icala, kuxhaphakile phakathi kweenkampani ezincinci neziphakathi ezifuna ukuba nemali eyaneleyo yokuhlawula amatyala phambi komhla obekiweyo kwesi sivumelwano. Okanye, ngokuchaseneyo, oko kunokufunyanwa ngaphambi kokuphelelwa yisikhathi. Ewe, kwezi meko, isisombululo sibonakaliswa yinto ebizwa isaphulelo se-promissory note. Kodwa le mveliso yemali iquka ntoni? Ewe, kwinto elula njengokuvumela iqela lesibini kwinkqubo ukuba liqokelele isixa se-promissory note phambi kokuba umhla wokuphunyezwa ufike.
Oosomashishini kunye nabazimeleyo abangakwaziyo ukulinda
Le yimeko eyenzeka ngamaxesha athile. phakathi kwabantu abazisebenzelayo. Ukuya kuthi ga kwinqanaba lokuba bafune ingcebiso yokuhlawula amatyala ukwenza imisebenzi yabo yobuchwephesha okanye yorhwebo. Ngengqiqo yokuba abanakulinda ixesha elide de le ntlawulo ye-akhawunti yenziwe isebenze. Ke ngoko, kucetyiswa kakhulu ukuba bavakalise umnqweno wabo kwelinye iqela ukuba bangabi phantsi kwenqaku lesithembiso ngosuku okanye ngokubona. Ekubeni kule meko, abayi kukwazi ukuyibiza ngaphambi kwexesha.
qinisekisa inqaku lesithembiso
Esi senzo samkelwa xa kukho igatya elibhaliweyo kuxwebhu apho umxhasi athumela okanye abele umntu wesithathu amalungelo afunyenwe kulo msebenzi. Ngokubanzi kunye nokuqonda okungcono, kunye nesihloko esilandelayo: "Hlawula uMiguel Ángel García Judge....". kufuneka uye phi uqale ngesignesha yakhe ukuze ibe semthethweni. Ngelixa kwelinye icala, akufanele ilibaleke ukuba ukuvuma inqaku lesithembiso ngokuqhelekileyo kwenziwa kuwo onke amaxwebhu ngaphandle kwamanqaku esithembiso ukuba angayaleli.
inqaku lesithembiso
Njengoko sonke sisazi, zininzi iintlobo zeenowuthsi ezithembisayo kwaye enye yeyona nto ibalulekileyo yile ebizwa ngokuba yi-crossed. Kodwa le ndlela yokuhlawula esetyenziswa rhoqo ziinkampani ezincinci kunye neziphakathi zibandakanya ntoni? Ewe, ngokusisiseko inokuthi ihlawuliswe kuphela ngokubonelela ngoxwebhu kwaye ibonise imigca ethile ngaphambili (apho igama lebhanki apho le ntshukumo yemali iza kuphunyezwa inokubonakaliswa). Ngokhetho lokwenene lokufumana imali kwiofisi yebhanki okoko umxhamli engumthengi wequmrhu lezemali apho ukukhululwa kolu mfuziselo wenqaku lesithembiso kuya kwenzeka.
Ngaphandle kokuba abanye abasebenzisi banokucinga ntoni ekuqaleni, inqaku lesithembiso elinqamlezileyo alifani. Kunoko, yahlulahlulwe yaziifomathi ezimbini ezahlukeneyo. Zingamanqaku abanzi kunye nezikhethekileyo zepromissory cross. Kwimeko yokuqala, ibhekisela kwinto yokuba igama lalo naliphi na iziko lezemali aliyi kubhengezwa. Ngenxa yolu phawu, umphumo walo ophambili kukuba uya kukwazi ehlawulwa nakweyiphi na ibhanki, nokuba umamkeli akanguye umthengi ofanayo.
Enye yeenzuzo zayo ezibalulekileyo zihlala kwinto yokuba yinkqubo yokuhlawula kulula ukwenza ngokusesikweni kwaye ayifuni naluphi na unxibelelwano nebhanki eyikhuphayo. Ngenxa yesi sizathu sisetyenziswa ngokubanzi xa amaqela amabini efikelela kwisivumelwano sokuphuhlisa esi sicwangciso sentlawulo yenkonzo okanye umsebenzi wobugcisa. Ukusuka kulo mbono, yimveliso eguquguqukayo kakhulu ukwenza iintlawulo kwi-akhawunti.
Enye ifomathi, ebizwa ngokuba yi-special promissory note, iya kubandakanya igama lebhanki eya kujongana nokwenza intlawulo kwi-akhawunti kwimigca emibini engaphambili. Ngamanye amazwi, akuyi kubakho kukhetha ngaphandle kokuba ne-akhawunti yokutshekisha okanye yokonga ebhaliswe neziko lezemali. Imalunga ne imodeli eqinile enokuvelisa iingxaki ezithile ukuze ekugqibeleni ifikelele kwisisombululo sayo.
Abathathi-nxaxheba kwinqaku lesithembiso esinqamlezileyo
Njengezinye iintlobo ze-promissory notes, Amaqela amabini abandakanyekayo kule nkqubo., njengoko kwelinye icala kulula ukuyiqonda. Ngakolunye uhlangothi, umzobo we-spinner ongeyena omnye ngaphandle kwalowo uthatha indima yomphathi oyintloko. Ngelixa kwelinye icala, umxhamli ukwakho kwaye oko kubhekisa kumntu okanye inkampani enokufuna umxholo wolu xwebhu. Ngaphaya kweminye iingqwalasela yendalo yobugcisa.
Njengoko kunokubonwa, kukho uluhlu olubanzi lwezinye iindlela ukuba ufuna ukwenza intlawulo kumthengi, umthengisi okanye umsebenzi. Apho imeko efanelekileyo ikukuba kukhethwe imodeli ekuvunyelwene ngayo ngamaqela omabini. Ukunqanda iimeko ezingafunekiyo kakhulu ezinokubangela ngaphezu kwengxaki enye kwintlawulo ye-akhawunti. Kwaye oko kukhokelela ekubeni izixa-mali ziqokelelwe kamva kunokuba kuyimfuneko kwaye zicwangciswe ngamaqela abandakanyekayo.
Iinzuzo zamanqaku ukuodola
Enye yeenzuzo eziphambili zamanqaku e-promissory uku-odola kukuba inika ukuguquguquka okukhulu kunye nentuthuzelo kumaqela abandakanyekayo kwaye ngexesha lenkqubo yokudluliselwa. Ngelixa, ngokuchaseneyo, enye ifomathi (amanqaku e-non-odolo ye-promissory) ahluke kakhulu kuba Ukwabelwa kwabantu besithathu ngokuvuma akuvumelekanga. Kwaye ngale ndlela inokulimaza kakhulu umdla wommkeli wale mveliso yezemali. Ngaphandle kolunye uchungechunge lweengqwalasela zobugcisa eziza kuba ngumxholo welinye iklasi lohlalutyo lobugcisa.
Omnye umba ekufuneka uhlolwe ngulowo ubhekisa kwintlawulo yakho. Ngengqiqo yokuba amanqaku athembisayo angayaleli kufuna isaziso kwangexesha ukuqinisekisa ukuba umhla wentlawulo ochazwe kolu xwebhu lobalo-mali uyahlonitshwa. Njengenyaniso yokuba yinkqubo enokuthi ithathe ixesha elide ngenxa yeempawu ezibonisayo.
Kwimeko nayiphi na into, kulungele kakhulu ukuba ii-arhente ezimbini kule nkqubo zihlalutye inzuzo kunye nokungonakali kwayo ukuze kufumaneke isisombululo kule ngxaki iinkampani zihlala zijongene nazo xa zenza intlawulo. Ngenxa yokuba ngokomgaqo, enye ayikho ngcono okanye imbi kunomnye, kodwa kuxhomekeke kwiimfuno zokwenyani yabahlawuli kunye nabafumana la manqaku esithembiso. Nangona eyokuqala isenokuthandeka ngakumbi, ngaphezu kwayo yonke loo nto kuba kulula ukuyikhupha nokulawula de igqitywe.
Indlela yokugcwalisa inqaku lesithembiso?
Mhlawumbi enye yezona zinto zibalulekileyo ezifunwa ngabasebenzisi yindlela le mveliso ihanjiswa ngayo okanye izaliswe. Asiyonkqubo enzima kakhulu, kodwa kufuneka iphuhliswe ngokuchanekileyo kuba nayiphi na impazamo kuyo inokubangela iingxaki ezigqithisileyo kumaqela amabini enza le nkqubo. Nangona umngcipheko wokwenene lowo ufumana inqaku lesithembiso akayi kukwazi ukuliqokelela. Ngoko ke, kuyimfuneko ukunikela ingqalelo encinane kule nxalenye ebonakalayo malunga nale mveliso yezemali.
Okokuqala, kubalulekile ukugxininisa ukuba inokwahluka ngokuxhomekeke kuhlobo lwenowuthi yesithembiso ekufuneka siyenze. Kodwa ngokwemigaqo jikelele siza kukucacisela ngala manyathelo alandelayo ekuya kufuneka ukuba abe semthethweni. Ngedatha ekufuneka ibonakaliswe kolu xwebhu:
Igama lequmrhu kunye ne-ofisi ekhutshiweyo. Iza kufika entla ekhohlo kuxwebhu. Kuzo zonke iimeko, kufuneka ibonakaliswe ngendlela ecace kakhulu kwaye ngaphandle kwesiganeko okanye isifiphali ukuze ingabonakali okanye ingafaneleki ngokwenene.
Ukuphelelwa kwakho lixesha. Ngaphandle kwamathandabuzo, yenye yezona nxalenye zibalulekileyo zenqaku lesithembiso kuba umhla wokuhlawulwa kwemali efakwe kulo mqulu uya kuxhomekeka kuwo. Iya kubonakaliswa ngezantsi kwedatha yangaphambili. Kwaye kufuneka kucace kakhulu kwaye ngaphandle kwezizathu zokudideka.
Ukuchongwa komntu ekubhekiswe kuye intlawulo yenqaku lesithembiso. Njengoko kusengqiqweni, ukuqonda kubaluleke ngokupheleleyo ekubhaleni kwayo ngokuchanekileyo. Iya kuba ligama lenkampani okanye umntu osemthethweni kwaye kufuneka ikhatshwe sisixa esipheleleyo esithunyelwa komnye umamkeli. Zonke ezi datha zichazwe kwindawo esembindini yoxwebhu. Ngeenkcukacha ezincinci, kwaye yiloo mali, kufuneka ibhalwe ngoonobumba, kungekhona ngamanani.
Inombolo yothotho kunye noxwebhu lwenqaku lesithembiso. Njengoko kusengqiqweni ukuqonda, kufuneka ibe nolandelelwano ngokuxhomekeke kumsebenzi kule ndlela yokuhlawula. Ngamadijithi athile azakwahluka kwaye azakuboniswa kwindawo esezantsi ekhohlo kolu xwebhu.
Uthotho kunye nenombolo yoxwebhu lokukhowudwa. La ngamanani afika ngokungagqibekanga kwaye abekwe emazantsi kuxwebhu. Kubalulekile ukuba isebenze kwaye imali ihlawulwe phantsi kweemeko ezisekwe kwifomathi nganye yamanqaku esithembiso.
Umhla kunye nendawo yokukhutshwa kwenqaku lesithembiso. Usuku, inyanga kunye nonyaka apho le mveliso ikhutshwe ngayo ibonakaliswe. Njengedolophu apho isemthethweni kwaye kuzo zombini iimeko kufuneka zibhalwe ngokucacileyo kakhulu kwiileta.
Isithembiso sokuhlawula kunye nemali efakwe kumanani. Iza kwindawo ephakathi yoxwebhu kunye nomyalezo olandelayo: "kule nqaku lesithembiso, ndithembisa ukuhlawula, ngomhla wokuphelelwa yisikhathi obonisiwe".
Iakhawunti yomthengi kunye nekhowudi ye-IBAN yeakhawunti ezotyiweyo. Ngazo zonke iinkcukacha zebhanki kwi-akhawunti apho le ntshukumo ye-accounting iza kuphunyezwa. Kufuneka igqibelele, ingaphoswanga naziphi na iinkcukacha, njengoko ibandakanyiwe kwii-invoyisi eziya kwiinkampani okanye ababoneleli. Ukubakho kwikona ephezulu ngasekunene yoxwebhu.
Ukuba zonke ezi datha zifakwe ngokuchanekileyo, akuyi kubakho ingxaki encinci yokwenza lo msebenzi ngempumelelo epheleleyo ngokweziphumo zayo.