Liyini isheke lasebhange

Kungenzeka ukuthi wake wakhokhelwa ngesheke lasebhange. Nakuba kungeyona indlela yokukhokha esetshenziswa kakhulu, basekhona ababhejwa ngaye. Kodwa liyini isheke lasebhange? Ishajwa kanjani?

Uma uzibuza konke lokhu kungabaza, nokunye okwengeziwe, sizobe sesicacisa zonke izinkinga ezingase ziphakame mayelana nalokhu.

Liyini isheke lasebhange

Singachaza isheke lasebhange ngokuthi isheke lapho idrowa kanye nedrowa kufana khona, inkampani yasebhange okuyiyona eyikhiphayo. Ngamanye amazwi, Kuwuhlobo lokukhokha lapho ibhange likhipha isheke futhi libe nesibopho ngalo..

Lokho kusho, kusho lokho maningi amathuba okuthi uyiqoqe, njengoba ibhange lisebenza njengesiqinisekiso sokuthi lowo muntu uzokhokhelwa.

IBhange LaseSpain ngokwalo linencazelo yalo yesheke, okungaba:

"umbhalo ovumela ukuba kunikezwe ibhange ukuthi likhokhe inani elithile lemali komunye umuntu, ngaphandle kokusebenzisa imali ebonakalayo".

Uma sikhuluma ngebhange, kusho umuntu olikhiphayo noqinisekisa inkokhelo kuzoba yibhange uqobo.

Isheke lasebhange kanye nesheke lomuntu siqu, ingabe kuyefana?

Nakuba kamuva sizobona ukuthi kunamasheke ebhange lomuntu siqu, iqiniso liwukuthi isheke lasebhange kanye nesheke lomuntu akufani ngempela.

Kukhona umehluko omkhulu phakathi kwabo, futhi ilele eqinisweni lokuthi noma ubani okhiphayo futhi unesibopho sokuqoqwa kwenani Okubalulwe eshekeni akuyena umuntu noma inkampani, kodwa kunalokho ibhange ngokwalo.

Ngaphezu kwalokho, esikhundleni sokuba sengozini ngoba akwaziwa ukuthi kuzokwazi ukuqoqwa noma cha, lapha ukuthi yibhange elithintekayo kusho ukuthi kunesiqinisekiso esikhulu sokulenza liphumelele.

Futhi isheke lasebhange kanye nesheke elihambisanayo?

Omunye umbuzo ovame ukuvela ngowokuthi cabanga ukuthi isheke lasebhange kanye nelinye elihambisanayo kuyefana. Eqinisweni, kukhona i-nuance encane ehlukanisa phakathi kwabo. Okungukuthi:

Isheke lasebhange yilelo elikhishwe yibhange futhi ithola isibopho sokuyenza isebenze, noma ngabe umuntu "ammele" unobhalansi noma cha.

Isheke elivumelanayo yilelo elikhishwa umuntu noma inkampani, kodwa ibhange ngokwalo liqinisekisa ukuthi lowo muntu noma inkampani inemali ukuze ikwazi ukuyikhokha ngosuku lomnqamulajuqu.

Ngakho-ke, singasho ukuthi umehluko omkhulu phakathi kwalaba ababili yilowo okhiphayo, oshintshayo kwelinye nakwelinye.

Izici zesheke lasebhange

Uma usufunde okungenhla, kungenzeka ukuthi ube nombono ocacile wokuthi liyini isheke lasebhange, kodwa futhi nezici zalo.

Lezi izi:

• ikhishwe yibhange. Futhi hhayi ngomuntu wemvelo, kodwa yibhange elikhiqiza lelo sheke.
• inekhophi yasenqolobaneni. Kusukela ebhange ngokwalo, okungukuthi, ibhizinisi elikhiphe lelo sheke.
• Kukhona amathuba aphezulu okuqoqwa. Ngoba njengoba ibhange lihilelekile, ngisho noma umuntu engenayo ibhalansi, angayikhokha ngokwakhe (bese edonsa leyo akhawunti emalini etholwayo yesikhathi esizayo yalowo muntu).
• Kunezinhlobo eziningana zamasheke asebhange. Ngokuqondile, kuzoba khona okuthathu: okomuntu siqu, okukhokhwa ku-akhawunti nokuwela.

Izinhlobo zamasheke asebhange

Ngaphambi kokuthi siphawule kuwe njengesinye sezimpawu zokuthi kukhona amasheke ahlukene asebhange. Kodwa uyawazi yini umehluko phakathi kwazo nokuthi zinjani? Ungakhathazeki, sikhuluma ngabo.

isheke lebhange lomuntu siqu

Kubonakala ngoba umuntu okhishelwa inkampani noma inkampani. Ngamanye amazwi, umuntu ozokhipha lelo sheke ukheshi uyohlale engumuntu noma inkampani.

Lapho uyiqoqa, ungakwenza lokho ngokufaka inani ku-akhawunti noma ngokuyikhokha ngokheshi noma inkampani.

Isheke lifakwe ku-akhawunti

Lolu uhlobo olujwayelekile lwalezi futhi, nakuba lungaqoqwa ngumuntu noma inkampani, isheke lidinga ukuthi kufanele likhokhelwe ku-akhawunti yasebhangeokusho ukuthi awukwazi ukuyithola imali. Manje, akekho othi awukwazi ukungena bese ukhipha leyo mali ngokushesha.

isheke eleqa

Lo mfana uyinqaba kancane ukubuka, kodwa ukhona. Empeleni, isheke lomuntu siqu lasebhange, indlela yalo yokukhokha kungaba umthwali noma ukheshi. Kodwa, ine-nuance. Futhi wukuthi iphuma no-X (weqa imigqa). Lokho kusho ukuthi, ngisho noma kuthiwa iyikheshi noma inkampani, empeleni leyo ndlela yokukhokha iyanqatshelwa futhi ingaqoqwa kuphela uma ikhokhwe ku-akhawunti.

Ungalikhipha kanjani isheke lasebhange

Usuvele uyazi ukuthi isheke lasebhange liyini, izici nomehluko elinawo namanye amasheke. Futhi abafana. Uyazi ukuthi uzoyiqoqa kanjani?

Ungakhathazeki, ngoba iqiniso liwukuthi kulula kakhulu ukuyiqonda.

Into yokuqala okufanele uyazi ukuthi banomnqamulajuqu wokuwuqoqa. Lokhu kulawulwa yi-Exchange and Check Law. Futhi isikhathi esingakanani? Uma ikhishwa futhi izokhokhwa eSpain, bese kuba yizinsuku eziyi-15 kusukela ngedethi yokukhishwa. Uma ikhishwe eYurophu, yizinsuku ezingama-20. Futhi uma ivela emhlabeni wonke, kusho ukuthi izinsuku ezingama-60.

Okusho ukuthi, uma bekukhokhela ngale ndlela, kuzomele ulinde izinsuku eziyi-15 ukuze wenze kusebenze (Lokho kuwukuthi uma belubeke lolo suku ngosuku lokukhishwa; uma kungenjalo, kuzodingeka wengeze izinsuku eziyi-15 osukwini lokukhishwa abakubeka kuwe).

usuku lokuhola okumele ukwenze nje ukuya ebhange uyocela leyo mali. Manje, ingakhokhiswa kunoma yiliphi ibhange (ngokujwayelekile) kodwa uma kungelona ibhange eliyikhiphile, kuyinto evamile ukuthi bakukhokhise ikhomishini ukuze isebenze, kungaba ukuthola imali ngokheshi noma ukukhokha. uyifake ku-akhawunti.

Kwenzekani uma ngiphuthelwa usuku lokukhokha?

Kungenzeka ukuthi uyakhohlwa uma inkokhelo isifuneka. Kanjalo, inqobo nje uma izinyanga eziyisi-6 zingakadluli osukwini lokukhishwa (zizonke izinyanga eziyi-6 nezinsuku eziyi-15) ungakuqoqa.

Uma sekudlule isikhathi esengeziwe, ngisho nangosuku, lelo sheke liyanqunywa futhi akunakwenzeka ukulikhipha.

Ingabe konke odinga ukukwazi mayelana nesheke lasebhange sekucacile kuwe?