Kunezikhathi lapho uhlangabezana nochungechunge lwemibhalo okuthi, okubaluleke kakhulu, kubonakale kungabalulekile. Uze ubabone njengokuchitha iphepha, isikhathi nemali. Noma kunjalo, lezi zingabaluleka kakhulu. Nakhu okwenzeka esitatimendeni sasebhange.
Uma ufuna yazi ukuthi siyini isitatimende sasebhange, yiluphi ulwazi engakunikeza lona, izinzuzo ezikunikeza zona maqondana nokubalwa kwezimali nolunye ulwazi onentshisekelo ngalo, lolu lwazi esilulungiselele luzokusiza ukuxazulula konke ukungabaza kwakho.
Siyini isitatimende sasebhange
Isitatimende sasebhange singachazwa njengaleso umbhalo othunyelwa yibhange, kungaba nge-elektroniki noma ngeposi, okukhombisa ukufingqwa kokuhamba kwe-akhawunti yasebhange inyanga yonke, kanye nebhalansi etholakalayo yaleyo akhawunti.
Ngamanye amagama, sikhuluma ngombhalo lapho ungabona khona ukuhamba kwemali engenayo nezindleko obeku-akhawunti yasebhange esikhathini esithile.
Ngaphambi kokuba kuvame kakhulu ukuthi amabhange athumele isitatimende kumakhasimende awo ngenyanga, ukuze akwazi ukulandelela ukubalwa kwezimali zawo kanye nemali engenayo nezindleko. Kodwa-ke, kancane kancane lokhu bekungasasetshenziswa, noma kuyinsizakalo ekhokhiselwe ukuqhubeka uyenza, ngendlela yokuthi abaningi bakususile lokhu kuthunyelwa noma bakuthola nge-Intanethi (bekwazi ukuguqula izinsuku, izinhlobo ukunyakaza, njll.).
Iqukethe yiphi idatha
Uma ucela isitatimende sasebhange, kunemininingwane eminingi okuthi, uma ungaqiniseki ukuthi ibhekisa kuphi, ingakucindezela. Noma kunjalo, kulula kakhulu ukuyiqonda. Futhi yilokho uzoba namaphuzu a-8 ahlukene ozowanaka. Lezi yilezi:
Usuku Lokukhipha
Lokho wukuthi, usuku okwakhishwa ngalo isitatimende sasebhange (saphrintwa, sacelwa, njll.). Kubalulekile ukukwazi ukulawula ukuhamba kwesikhathi esithile.
Isitatimende sasebhange umnikazi we-akhawunti
Ukuze wazi ukuthi iyiphi i-akhawunti yasebhange (nomuntu noma inkampani) le dokhumenti ebhekise kuyo.
Ikhodi ye-akhawunti
Sikhuluma ngenombolo ye-akhawunti, ibhizinisi, ihhovisi kanye ne-DC. Ngamanye amagama, ikhodi ephelele ye-akhawunti noma ikhodi ye-IBAN.
Idethi yokusebenza
Kulokhu uzothola eziningi ezinhle, futhi lelo usuku lapho, noma imali engenayo noma izindleko, zibhaliswe ku-akhawunti yasebhange. Ngaleyo ndlela, uzokwazi ukuthi lelo nani selikhokhiwe (kungaba okuhle noma okungalungile).
Umqondo wokusebenza
Kulokhu bakuchazela ukuthi izindleko noma imali engenayo ekhonjiswe esitatimendeni ifinyelele kuphi. Eqinisweni, kwesinye isikhathi ifundisa kakhulu kunedethi uqobo lwayo noma inani lomsebenzi owenziwe.
Idethi yenani lomsebenzi
Usuku lwenani, njengoba lucatshangwe yiBhange LaseSpain, yisikhathi lapho «isikweletu ku-akhawunti yamanje siqala ukukhiqiza inzalo noma lapho isikweletu siyeke ukukhiqiza inzalo, kungakhathalekile usuku lokuphathwa kwezimali lomsebenzi noma i-“ account accountant "".
Ngamanye amagama, sikhuluma ngosuku okuqale ukusebenza ngalo ukusebenza.
Inani lokwenziwe
Imali, imali (engenayo) noma engemihle (izindleko) eyenziwe.
Ibhalansi ye-akhawunti
Ekugcineni, uzoba nebhalansi ye-akhawunti, kokubili eyedlule, naleyo onayo ngemuva kokwenza ukunyakaza.
Sisho ukuthini isitatimende sasebhange?
Isitatimende sasebhange akuyona incwadi nje lapho kusungulwa ukunyakaza kwe-akhawunti (nemali eshintshiwe ekuyo), kepha iyaqhubeka kusukela lapho Kuyasiza kakhulu ekubalweni nasekulawuleni maqondana nemali engenayo nezindleko.
Ngaphezu kwalokho, ngalokhu singakwazi thintana nokukhishwa kwemali, imali engenayo, izindleko noma izikweletu eziqondile, izikweletu, amakhomishini, njll.
Isitatimende sasebhange singabonakala njengesilima, kepha iqiniso ukuthi kunezinzuzo eziningi zokuyisebenzisa, kufaka phakathi okulandelayo:
- Ungawabona amaphutha. Ngenxa yokuthi isitatimende sasebhange sikukhombisa konke ukunyakaza kwe-akhawunti yasebhange, noma ngabe kuyimali engenayo noma izindleko, kungumthombo onokwethenjelwa kunakho konke okwenzekile ezimalini zakho ngakho-ke kungatholakala uma kube khona izindleko noma imali engenayo okungeyona ukuthi sizomkhumbula noma cha.
- Ungaqinisekisa iholo lakho nezinkokhelo zakho. Uma unamakhasimende amaningi, noma izinkampani eziningana okufanele uzikhokhe, ngesitatimende sasebhange ungaqinisekisa ukuthi ngempela imali engenayo noma izinkokhelo ziyaneliseka futhi, ngaleyo ndlela, ukhohlwe ngabo (okungenani kuze kube yinyanga elandelayo).
- Ukubalwa kwezimali kwakho kuzoshesha. Ngoba ngeke kudingeke ubheke inkokhelo noma idiphozi, uzoba nedokhumende lapho konke okuvela kuleyo akhawunti kubonakala. Uma unama-akhawunti amaningi, kufanele ube nezitatimende zebhange ezahlukahlukene ezibonisa lolo lwazi ukuze ulinganisele konke ekupheleni kwenyanga (noma ngekota).
Ungayibuka kanjani i-extract
Ngaphambi kwalokho, isitatimende sasebhange besitholakala kuphela ukuya ebhange uzicelele mathupha. Ngokuhamba kwesikhathi, le sevisi ibizenzekelayo, ikwazi ukukwenza Ithole nge-ATM. Kodwa-ke, ukuvela kwe-Intanethi namakhasi e-web, kuthathe elinye igxathu, ngoba abantu bangawubuyekeza lo mbhalo ngomsebenzisi wabo oku-inthanethi asebhange.
Njengamanje, leli fomu nokusetshenziswa kwesicelo sebhange esisemthethweni ocingweni oluphathekayo kuvumela le nqubo yokufundisa ukwenziwa, kufaka phakathi phrinta idokhumenti ukuze ube nayo ngokomzimba.
Ungasithola kanjani isitatimende sasebhange
Njengamanje, ukuthatha isitatimende sasebhange kulula kakhulu. Ngoba uyakwazi iya egatsheni lakho lasebhange uyicele, uyibuke (bese uyilande) kuwebhusayithi yebhange, uyibuke kuhlelo lokusebenza lweselula noma uyiphrinte ku-ATM
Okuhle ukuthi, uma uyibuka kuwebhu, ungakhetha isikhathi esenziwe ngezifiso, okuthile, kwezinye izindawo, okungenakwenzeka, noma kufanele ukucele ngokucacile. Ngaphezu kwalokho, kufanele wazi ukuthi amabhange agcina irekhodi lakho konke ukunyakaza kwakho isikhathi esiphakathi kweminyaka emi-5 nengama-20, ngale kwalokho ngeke kube nalutho.