Yintoni itshekhi yebhanki

Usenokuba wakhe wahlawulwa ngetshekhi yebhanki. Nangona ingeyondlela yokuhlawula esetyenziswa ngokubanzi, kusekho abantu abambhejayo. Kodwa yintoni itshekhi yebhanki? Ibizwa njani?

Ukuba uzibuza zonke ezi ntandabuzo, kunye nokunye, ngoko siza kucacisa yonke imiba enokuthi ivele malunga nale nto.

Yintoni itshekhi yebhanki

Sinokuyichaza itshekhi yebhanki njenge itshekhi apho idrowa kunye nedrowa ziyafana, iziko lebhanki eliyilo elikhuphayo. Ngamanye amazwi, Yindlela yokuhlawula apho ibhanki ikhupha itshekhi kwaye inoxanduva lwayo..

Oko kuthetha, oko kuthetha ukuba kukho ithuba eliphezulu lokuyiqokelela, ekubeni ibhanki isebenza njengesiqinisekiso sokuba loo mntu uya kuhlawulwa.

IBhanki yaseSpain ngokwayo inenkcazelo yayo yetshekhi, eya kuba:

"uxwebhu oluvumela ukuba umyalelo unikwe ibhanki ukuba ihlawule isixa esithile semali komnye umntu, ngaphandle kokubhenela kwimali ebonakalayo".

Ukuba sithetha ngebhanki enye, ngoko umntu oyikhuphayo kwaye ngubani oqinisekisa intlawulo iya kuba yibhanki ngokwayo.

Itshekhi yebhanki kunye netshekhi yomntu, ngaba ziyafana?

Nangona kamva siza kubona ukuba kukho iitshekhi zobuqu zebhanki, inyaniso ikukuba itshekhi yebhanki kunye netshekhi yomntu azifani ngokwenene.

Kukho umahluko omkhulu phakathi kwabo, kwaye kulele kwinto yokuba nabani na okhuphayo kwaye unoxanduva lokuqokelela isixa kuchaziwe kwitshekhi ayingomntu okanye inkampani, kodwa yibhanki ngokwayo.

Ukongezelela, endaweni yokuba nomngcipheko ngenxa yokuba kungaziwa ukuba kuya kwenzeka ukuba kuqokelelwe okanye cha, apha into yokuba yibhanki echaphazelekayo ithetha ukuba kukho isiqinisekiso esikhulu sokwenza ukuba kusebenze.

Kwaye itshekhi yebhanki kunye netshekhi ehambelanayo?

Omnye umbuzo odla ngokuphakama ngowokuba cinga ukuba itshekhi yebhanki kunye nehambelanayo ziyafana. Ngokwenyani, kukho i-nuance encinci eyahlula phakathi kwabo. Oko kukuthi:

Itshekhi yebhanki yile ikhutshwa yibhanki kwaye ufumana uxanduva lokuyenza isebenze, nokuba umntu "ammeleyo" unokulinganisela.

Itshekhi engqinelanayo yileyo ikhutshwa ngumntu okanye yinkampani, kodwa ibhanki ngokwayo iqinisekisa ukuba loo mntu okanye inkampani inemali yokuyihlawula ngomhla omiselweyo.

Ngaloo ndlela, sinokuthi umahluko omkhulu phakathi kwezi zimbini ngumkhiphi, oguqukayo kwelinye nakwelinye.

Iimpawu zetshekhi yebhanki

Emva kokufunda oku ngasentla, kunokwenzeka ukuba ube nombono ocacileyo wokuba yintoni itshekhi yebhanki, kodwa kunye neempawu zayo.

Zezi:

• ikhutshwe yibhanki. Kwaye hayi ngumntu wendalo, kodwa yibhanki eyenza loo tshekhi.
• unogcino. Ukusuka kwibhanki ngokwayo, oko kukuthi, iqumrhu elikhuphe loo tshekhi.
• Kukho amathuba aphezulu wokuqokelela. Ngenxa yokuba ekubeni ibhanki ibandakanyeka, kwanokuba umntu akanayo imali eseleyo, unokuyihlawula ngokwakhe (aze atsale loo akhawunti kwingeniso yexesha elizayo kuloo mntu).
• Kukho iindidi ezininzi zeetshekhi zebhanki. Ngokukodwa, kuya kubakho ezintathu: zobuqu, zihlawulwe kwiakhawunti kwaye ziwele.

Iindidi zeetshekhi zebhanki

Ngaphambi kokuba siphawule kuwe njengenye yeempawu ukuba kukho iitshekhi zebhanki ezahlukeneyo. Kodwa ngaba uyawazi umahluko phakathi kwazo nokuba zinjani? Ungakhathazeki, sithetha ngabo.

itshekhi yebhanki yomntu

Iphawuleka kuba umntu onikwe inkampani okanye inkampani. Ngamanye amazwi, umntu oya kukheshi ngekheshi uya kuhlala engumntu okanye inkampani.

Xa uyiqokelela, unokukwenza oko ngokufaka imali kwi-akhawunti okanye ngokuyihlawula ngemali ezinkozo okanye kumntu othweleyo.

Itsheki ifakwe kwi-akhawunti

Le yindlela eqhelekileyo yezi kwaye, nangona inokuthi iqokelelwe ngumntu okanye inkampani, itshekhi ifuna ukuba ihlawulwe kwi-akhawunti yebhankiokt awukwazi ukufumana imali. Ngoku, akukho mntu uthi awukwazi ukungena kwaye uyikhuphe kwangoko loo mali.

itshekhi enqamlezileyo

Lo mfo unqabile ukubukela, kodwa ukhona. Inyaniso, yitshekhi yebhanki yobuqu, indlela yokuhlawula inokuba ngumthwali okanye imali. Kodwa, ine-nuance. Kwaye yeyokuba iza no-X (igqitywe yimigca). Oko kuthetha ukuba, nokuba ithi ikheshi okanye ithwele, eneneni loo ndlela yokuhlawula iyanqatshelwa kwaye inokuqokelelwa kuphela ukuba ihlawulwe kwi-akhawunti.

Uyenza njani imali itshekhi yebhanki

Sele uyazi ukuba yintoni itshekhi yebhanki, iimpawu kunye nokwahlukana kwayo kunye nezinye iitshekhi. Kwaye nkqu abafana. Ngaba uyazi ukuba iqokelelwa njani?

Ungakhathazeki, kuba inyaniso yile kulula kakhulu ukuyiqonda.

Into yokuqala ekufuneka uyazi kukuba banomhla wokugqibela wokuyiqokelela. Oku kulawulwa nguMthetho woTshintsho kunye nokuHlola. Kwaye lide kangakanani ixesha? Ukuba ikhutshiwe kwaye izakuhlawulwa eSpain, ke yientsuku ezili-15 ukusukela kumhla wokukhutshwa. Ukuba ikhutshiwe eYurophu, ziintsuku ezingama-20. Kwaye ukuba ivela kwihlabathi liphela, yientsuku ezingama-60.

Oko kukuthi, ukuba bakuhlawula ngale ndlela, kuya kufuneka ulinde iintsuku ezili-15 ukuze usebenze (Oko kukuthi ukuba olo suku balubeke kumhla wokukhutshwa; ukuba akunjalo, kuya kufuneka wongeze iintsuku ezili-15 kumhla wokukhutshwa abakubeke kuwe).

usuku lokurhola into ekufuneka uyenzile kukuya ebhankini uyokucela loo mali. Ngoku, inokuhlawuliswa nakweyiphi na ibhanki (ngokubanzi) kodwa ukuba asiyobhanki eyikhuphayo, kuyinto eqhelekileyo ukuba bakuhlawulise ikhomishini ngokuyenza isebenze, nokuba kukufumana imali ezinkozo okanye ukuhlawula. kwiakhawunti.

Kwenzeka ntoni xa ndiphoswa lusuku lwentlawulo?

Kusenokwenzeka ukuba uyalibala xa kufuneka intlawulo. Njengokuba, ukuba nje iinyanga ezi-6 azikadluli ukusuka kumhla wokukhutshwa (iinyanga ezi-6 zizonke kunye neentsuku ezili-15) ungayiqokelela.

Ukuba ixesha elingakumbi lidlulile, nokuba lusuku, loo tshekhi imiselwe kwaye akunakwenzeka ukuyikhupha.

Ngaba yonke into oyifunayo ukuyazi malunga netshekhi yebhanki icacile kuwe?