Ingabe uMgcinimafa uyawalawula ama-oda emali?

Ama-oda Wemali Yeposi

Ukuthi uMnyango Wezezimali uyikho konke cishe kuyiqiniso. Ubani futhi ngubani osivakashela okungenani njalo ngonyaka futhi unake ukuthengiselana okungenzeka okwenziwa usuku nosuku. Kodwa umbuzo ojwayelekile kwabaningi umayelana nemali engenayo eyilawulayo, ingabe uyazi ukuthi uMnyango Wezezimali ulawula ama-oda emali? Futhi yiziphi ezinye izinhlobo zemali engenayo okungenzeka ukuthi uyayithola?

Uma ubungazi ukuthi uMnyango Wezezimali ulawula ama-oda emali, kanye nokunye ukuthengiselana, sizobe sesikhuluma ngawo ngamunye.

Liyini i-oda lemali

Ukumelwa koMgcinimafa

Ngokusho kwe-RAE (Royal Spanish Academy), i-oda lemali lithi:

«Ukudluliselwa kwenziwa ngamahhovisi eposi".

Kodwa yini i-twist? Sikhuluma ngesethi yokusebenza (noma eyodwa nje) okuhlanganisa ukuthumela imali komunye umuntu, usebenzisa inkampani yeCorreos kulokhu.

I-oda lemali singakusho lokho Kungenye yezindlela zokuthumela imali esemthethweni. Futhi kungathathwa njengesitifiketi umzuzi asho ngaso ukuthi uyitholile leyo mali; nomkhokhi ukucacisa ukuthi imali ithunyelwe kulowo muntu.

Singasho ukuthi yenza sengathi isheke, njengoba umuntu othola i-oda lemali angalamukela noma aliphike.

Ama-oda wemali ngokuvamile asetshenziswa phakathi kwabantu abangenayo i-akhawunti yokuhlola, kodwa ngezinye izikhathi futhi njengendlela "uMgcinimafa angatholi" Nokho, kuyiqiniso lokho?

Kungani uMnyango Wezezimali ulawula ama-oda emali

Siyaxolisa ukukutshela ukuthi, uma usebenzisa le ndlela ukuze ukhokhelwe ngaphandle kokungena ku-akhawunti yasebhange ukuze uMnyango Wezezimali ungakuboni futhi ukuze "ukhokhise ngo-B", unephutha. Futhi yilokho UMnyango wezeziMali INGABE ulawula ama-oda emali njengoba ewukuthutha kwemali isuka kwenye indawo iye kwenye, ngezinye izikhathi phezulu kakhulu, futhi lokho kudonsela ukunaka endaweni yengcebo. Ikakhulukazi uma amanani abalulekile kanye/noma evela futhi ngokuhamba kwesikhathi.

Lena ngenye yezindlela okumele balawule ngayo ukuxhashazwa kwemali. Futhi futhi "ukubamba" labo abafuna ukonga izintela noma ukungasho lelo nani lemali.

Ngamanye amagama, Kuyithuluzi abalibuyekezayo uma bebona ukuthi kukhona "okungajwayelekile" noma ukushintshisana okuphindelelayo. eyacupha ama-alamu bese iqala ukuphenya lowo muntu (kokubili oyithumile nalowo owamukelayo).

Indlela yokufaka i-oda lemali

Ukufaka i-oda lemali akuyona inkinga. Empeleni, okumele ukwenze nje ukuya eposini ucele i-oda lemali. Bona bazocubungula isevisi kodwa kufanele ubanikeze ulwazi oluthile olufana nalokhu:

  • Igama lakho, izibongo, i-ID, ikheli...
  • Igama, izibongo, ikheli kanye, ngokunokwenzeka, nomazisi, womuntu ohlomula imali ozoyithumela.
  • I-DNI yakho (into ephephe kunazo zonke ukuthi bayayiskena ukuze bagcine ikhophi njengoba kufanele baqinisekise lowo myalelo wemali).
  • Imali ozoyithumela.
  • Imali yokukhokhela i-oda lemali (ngoba yebo, lena isevisi futhi ngenxa yalokho kufanele ukhokhe imali yabo).

Uma usumnike konke lokho, uzoqhubeka nokuwucubungula, akwazi ukukhetha ukuthi i-oda lemali evamile (engafika ezinsukwini ezingu-1-2 ngaphezulu noma ngaphansi), noma ephuthumayo, abazama ukuyenza ngokushesha ngangokunokwenzeka (kwezinye izindawo ngisho nangosuku olufanayo).

Uma ufaka i-oda lemali wena uzoba nekhophi yokuthi usuyifakile futhi usuyikhokhile, futhi ungacela nokuthi bakwazise uma omunye umuntu elamukele ukuze azi ukuthi lenziwe lasebenza noma cha (leli kungaba i-oda lemali elivuma ukulithola, nakuba libiza kakhulu, ezimeni ezithile kufanelekile ukwenza kanjalo).

Iyiphi enye imali engenayo elawulwa uMnyango Wezezimali?

Ngaphandle kwemiyalo yemali, njengoba usubonile, uMnyango wezeziMali unazo, kukhona nokunye ukuthengiselana elikuqaphayo. Akusho ukuthi azikho emthethweni, ziqhelelene nazo, kodwa ziyinkinga, futhi zibucayi, uma zidonsa amehlo kumgcinimafa, ngoba zingakubuza izincazelo zaleyo mali, ikakhulukazi uma ingeyenyanga noma amanani aphindaphindiwe ngezikhathi ezithile.

Ngempela Labo abazisa uMgcinimafa ngamabhange uqobo, hhayi ngoba befuna, kodwa ngoba bephoqelekile ukwenza kanjalo (futhi uma bengabazisanga, kungaba ukwephulwa komthetho okukhulu kubo).

Ngakho-ke, imisebenzi eqapha uMnyango Wezezimali, ngaphandle kwama-oda emali, yilena:

500 euro banknotes

Ama-euro angama-500

Noma yini efanayo, "Bin Laden", njengoba ayeqanjwe ngegama ngoba kwakunzima kakhulu ukubona umuntu we-mileurista. Ngo-2019 bayeka ukwenziwa, kodwa lokho akusho ukuthi ngeke bakwazi ukuqhubeka nokujikeleza noma bakukhokhele ngakho.

Okwenzekayo yilokho UMnyango Wezezimali ubhekisisa kakhulu lezo zimali ezenziwa ngalezo zikweletu.

Imali engenayo engaphezu kwama-euro angama-3000

KuMgcinimafa, lapho edlula ama-euro angu-3000, wonke ama-alamu ayakhala futhi kudingeka sicacise isizathu lapho inkampani noma umuntu akudlulisele leyo mali esho inani eliphezulu.

Izinkokhelo ezingaphezu kuka-10.000 euros

Inani elikhulu lemali

Kwenzeka okufanayo naku noma yiluphi uhlobo lomsebenzi olubandakanya ukunyakaza okuhlobene nama-euro angaphezu kuka-10.000, inani okungeyena wonke umuntu onalo (noma alinyakazayo).

Imali mboleko noma amakhredithi angaphezu kuka-6000 euros

Akukho lutho olungalungile ngokuthi bakunikeza imalimboleko noma isikweletu esibiza ngaphezu kwama-euro ayi-6000. Kodwa UMnyango Wezezimali ulawula lokho ozokusebenzisa kukho ngoba ifuna ukwazi uhlobo lomnyakazo owenzayo ngaleyo samba semali.

Amarisidi emali aphindaphindiwe

Ngisho, hamba uye ebhange ucele ukufakwa ku-akhawunti yakho, noma ku-akhawunti enesamba esithile semali. Kanye akwenzeki lutho. Akwenzi okubili. Abahlanu futhi. Kodwa abahlanu, noma amashumi amabili, noma abangamakhulu amahlanu bayayikhalisa kuMgcinimafa bese iqala ukuphenya ukuthi leyo mali iphumaphi.

Manje njengoba sewazi ukuthi uMnyango wezeziMali yiwo olawula ama-money orders, kanti futhi kukhona neminye imisebenzi enaso iso kuyo, uyazi ukuthi ngeke ukwazi ukucasha kuMgcinimafa.


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.