Ukuqondisa ngqo inkokhelo ethile kuma-akhawunti ethu kuyinqubo eyenza kube lula impela inqubo nokulawulwa kwezindleko zethu Ngenxa yezinsizakalo ezahlukahlukene ezinenkontileka, noma kunjalo, kunezimo ezithile lapho lokhu kungaphikisana ngenxa yokuthi kungahle kube nenkokhelo esingayikweletanga noma esingafuni ukuyenza, kepha uhlelo luzokwenza ngokuzenzakalela . Futhi kulezi zimo lapho kuphakama khona umbuzo wokuthi singayenza kanjani inqubo buyisela irisidi lokukhokha. Kepha ngaphambi kokungena enqubeni, ake sibheke amaphuzu abalulekile okufanele siwacabangele futhi siwazi.
Into yokuqala okumele siyazi ukuthi kuziphi izimo lapho singacabanga ukuthi okulungile irisidi yokubuyisa, futhi ukuthi kuya ngesimo sethu kuzofanelekile ukwenza izinqubo ezithe xaxa kunalezo esizozihlaziya ngokuhamba kwesikhathi.
Ngezinkampani ezingathobeli
Njengamanje kunezinkampani eziningi njengoba zinjalo izinsiza zomakhalekhukhwini, noma izinkampani ezinikezela ngezinsizakalo ze-intanethi ezinikezela kumakhasimende abo izimo ezahlukahlukene noma ukunikezwa okulingayo, lapho iklayenti lingabhalisa khona ezinkampanini ngendlela elula kakhulu; Ngeshwa, kunezinkampani ezithile ezengamela imikhiqizo noma izinsizakalo zazo ekukhangiseni kwazo, kuthi uma siqala ukuzisebenzisa, zingasondeli nakulokho esasithenjiswa khona.
Futhi okubi kakhulu ukuthi izikhathi eziningi lezi zinkampani ezifanayo zibeka izithiyo eziningi ukuze zikwazi ukukhansela insizakalo, siyakucacisa lokhu ngoba kubantu abaningi into elula kunazo zonke khansela izinkokhelo bese ucela irisidi lokubuyisaKodwa-ke, lokhu akululanga ngenxa yezizathu ezithile ezizochazwa ngokuhamba kwesikhathi.
Ngoba ngeke sisebenzise izinsiza
Kwezinye izikhathi singenza isinqumo sokungasazisebenzisi izinsizakalo ezinikezwa izinkampani, mhlawumbe ngenxa yokuthi isikhathi senkontileka siphelelwe yisikhathi noma ngoba sithole okunikezwayo okungcono nomunye umhlinzeki. Kodwa-ke, phakathi nenqubo kungenzeka ukuthi isikhathi sidlule nokuthi kufakwe imali ku-akhawunti yethu yasebhange. Kulezi zimo singacela futhi i- ukubuyiselwa kwerisidi.
Amaphutha ekukhokheni
Kwezinye izimo kunephutha kusithenjwa sokukhokha lapho amarisidi alayishwa khona, kulezi zikhathi kubalulekile futhi ukwenza irisidi yokubuyisa ukwazi ukulungisa imininingwane.
Ukuze ukwazi khomba amaphutha Njengalokhu, kubalulekile ukuthi siyasazi isitatimende se-akhawunti yethu yasebhange, futhi ukuthi yize sizothola isaziso esivela enkampanini sokuthi ayikayitholi inkokhelo, kungcono ukuthi siwabone ngesikhathi esifanele la maphutha.
Amanani angalungile
Esinye sezimo esingathatha kuzo isinqumo sokubuyisa irisidi Kungaleso sikhathi lapho imali ekhokhisiwe kungeyona ekhonjisiwe. Kubaluleke kakhulu ukuthi kuzo zonke izimo sibe nomkhuba omuhle wokugcina imibhalo engasebenza njengobufakazi bazo zonke izinqubo nezivumelwano esizifinyelela ne Umhlinzeki wesevisi.
Ukubuyisa irisidi
Okokuqala esizokucacisa ukuthi noma yimuphi umsebenzisi webhange unelungelo lokukwazi ukubuyisa irisidi uma engafuni ukuyikhokha, kepha kunezimo ezimbili lapho izinqubo ezingenziwa khona ukuze akwazi buyisela irisidi.
Icala lokuqala kulapho i- Isizathu sokubuya ngukuthi sikhokhisiwe noma sikhokhiswe inani elingalungile, elingahambisani nezincazelo zezinkontileka esizisayinile, ngokuvamile izimangalo zethu yilapho ukukhokhiswa okwenziwe kukhulu kunalokho okuvunyelwene ngakho, kodwa-ke, kubaluleke kakhulu ukuthi uma kwenzeka inani ingaphansi kwenani okuvunyelwene ngalo, futhi sizoluxazulula udaba.
Esikhathini esedlule besikhulumile ngokubaluleka kokugcina yonke imibhalo ephathelene nenqubo yokuqasha, futhi kulezi zimo kuzobaluleke kakhulu ukuthi silethe idokhumende elichaza inani esivumelene ngalo ukulikhokha ukuze ibhange libheke inani lize ligunyaze ukubuyiselwa kwerisidi.
Lokhu kwamuva kunconywa kakhulu ngoba kunezikhathi lapho inkampani ingabheka ukukhokha kungaphelele, futhi lokhu kungakhipha imali eyengeziwe yokukhokha elandelayo. Kwezinye izikhathi lokhu kungaba isigatshana esishiwo kwinkontileka. Kungakho kubaluleke kakhulu ukuthi sicabange ukubhekana nalezi zimo ngokushesha okukhulu; Yize lokhu kungahle kungabi yimbangela ye- Ukubuyisa irisidi kuyinto okufanele uyazi.
Manje, uma imfuneko yokuthi inani elibiziwe naleyo okuvunyelwene ngayo nenkampani ayivumelani nayo, futhi singayibuyisa irisidi, kodwa kulesi simo kunemikhawulo ethile.
Enye yezidingo ezibalulekile okufanele sizithobele ukuthi umzuzu lapho senza inqubo kungakadluli amasonto ayi-8 ngemuva kokudluliswa kwemali. Ngakho-ke uma singaphakathi komnqamulajuqu kungenzeka ukwenza inqubo yokubuyisa.
Inqubo yokubuyisa
Le nqubo ingenziwa ngaphakathi izindlela ezimbili ezihlukeneOkokuqala ukuya kwamanye amagatsha asebhange. Kulesi simo, ukuya kumphathi we-akhawunti kuzosinika indawo yokuxazulula konke ukungabaza esinakho maqondana nalokhu, futhi ngale ndlela singathuthukisa inqubo; Manje, kubaluleke kakhulu ukuthi uma senza lezi zinqubo sibe nekhophi yayo yonke imibhalo abazosicela ukuthi siyenze. izicelo nezinqubo.
Enye indlela esinayo ukwenza isicelo nenqubo online; Uma sinquma ngale nketho kuzofanele singene engxenyeni yebhange lethu, uma sesisekhasini lasekhaya kufanele singene esigabeni esivulekile somugqa. Uma sesifinyelele kule menyu sizothola izinketho eziningi phakathi kwazo okufanele sizenze khetha "amarisidi" lokho kungaphakathi kwe- ithebhu "yama-akhawunti".
Lapho leyo nketho isifakiwe, kuzokhonjiswa uhlu olufaka ama-akhawunti esinawo; lapho kufanele ukhethe isixhumanisi okungukuthi enesihloko esithi "zomlando", Lokhu kufanele kuhambisane ne-akhawunti esifuna ukuqhuba ngayo inqubo. Lapho le nketho ikhethiwe, uhlu oluphelele lwamadebithi aqondile luzoboniswa.
Kuleli qophelo kufanele sikhethe idebithi eqondile esifuna ukubuyisa irisidi kuyo. Lapho nje sesingene kuleso sigaba, konke okumele ukwenze chofoza ku isixhumanisi "buyela". Futhi leyo yiyo yonke inqubo okufanele siyenze.
Yeka ukukhokha
Enye ye izinketho ezizovela akukhona ukukhokha ngaphezuluLokhu kwenzelwa ukuthi izindleko ezizenzakalelayo zingabe zisenziwa ku-akhawunti yethu. Kuleli qophelo kumele sicacise okulandelayo, futhi ngukuthi besishilo ukuthi kwezinye izikhathi izinkampani zisebenzisa ubuqili ukuze iklayenti linikeze izinkonzo zalo ngendlela elula, kodwa kwenza inqubo yokukhansela insizakalo ibe nzima. Kulezi zimo abantu abaningi, abajwayele ukukwenza ukumane basuse imali eqondile, yize inqubo efanele ukwenza i-burofax, okuyifomethi egcwaliswayo futhi ethunyelwe ukuze kukhanselwe isevisi engasekho kuyatholakala. kuyadingeka.
Lokhu kuvame ukudala ukuthi umsebenzisi abe Ngithumele kwaRAI noma ASNEF, futhi ezimweni eziningi lokhu kwenzeka ngaphandle kokuthi umsebenzisi aziswe, ngakho-ke kungadala izinkinga ngezinqubo ezilandelayo. Kubo, kunconywa ukuthi noma ngabe yiziphi izimbangela zokukhanselwa kwensizakalo, senza kanjalo ngezinqubo ezifanele.
Izinkokhelo zasekhaya
Njengoba kushiwo ekuqaleni kwalesi sihloko, ukudonswa kwemali ngqo kuma-akhawunti ethu asebhange kuyinqubo eyenza izimpilo zethu zibe lula kakhulu, futhi kulula kakhulu ukulawula izindleko zethu, futhi isiza inqubo yokukhokha. noma ukuyokwenza imali; Kodwa-ke, ngaphambi kokwenza isinqumo sokuqondisa ukukhokha, kubaluleke kakhulu ukuthi sibheke ukuthi lokhu kuyadingeka yini.
Isizathu esenza sinikeze lesi seluleko ukuthi ezikhathini eziningi iqiniso lokuthi yonke inqubo yokukhokha yenziwa ngokuzenzakalela, kungenzeka ukuthi silahle umkhuba we hlola ukuthi izimali zethu zihamba kanjani, futhi ngenxa yalokhu kungenzeka nokuthi ngokuhamba kwesikhathi sizohlangana nobunzima obuthile. Ukwenza isibonelo ngenhla, singakhuluma ngesimo sokuqagela lapho izinyanga ezimbalwa ukukhokhwa kwemali eqondile kukhuphukile ngaphandle kokwaziswa, ngakho-ke, uma singenawo umkhuba wokubuyekeza isitatimende se-akhawunti yethu, kungenzeka ukuthi sikhokha imali eningi .
Manje lapho uthatha isinqumo izinkokhelo ezidonswa ngqo Kunconywa kakhulu ukuthi sigcine umkhuba wokubuyekeza isitatimende se-akhawunti, ukuze sikwazi ukwenza lokhu sikwazi ukuchaza uhlelo oluthile.