Amanothi esithembiso ayidokhumenti yezezimali ekhishwayo futhi ihanjiswe kwenye inkampani noma umuntu onenhloso ecace kakhulu, engeyona enye ngaphandle kokuthola inkontileka yesibopho semali. Okungukuthi, uyazibophezela ngikukhokhele inani lemali ngosuku oluthile.
Kuvame kakhulu lapho kubhekene nezinkinga ezithile zokungabi namali kokusetshenziswa kwemali ohlangothini lwabakhiphile nokuthi bancamela ukukhokha ngale fomethi kunezinye izinhlobo zemikhiqizo, okuhlanganisa nenkokhelo evamile ku-akhawunti. Lona umkhuba osetshenziswa izinkampani ezithile ezincane neziphakathi ukuxazulula izinkinga zabo zokubala.
Lolu uhlelo olungasetshenziselwa ukukhokhela amakhasimende noma izinkampani zesevisi kuphela, kodwa nabasebenzi babo. Noma kunjalo ngendlela yokufika ngesikhathi futhi ungalokothi ube umkhuba ovamile noma omncane lapho uthumela amanani emali kubantu besithathu. Ngakolunye uhlangothi, kanye nokuqonda kangcono ukuqonda kwawo, kuwumkhiqizo ofana kakhulu nalokho okushiwo yi-bill of exchange.
Izidingo zokukhipha kahle inothi lesithembiso
Ngaphezu kwayo yonke le mibandela, inothi lesithembiso kufanele libe nezimfuneko ezimbalwa ukuze idokhumenti isebenze futhi okuyilezi ezilandelayo:
- Kumele ivezwe embhalweni ngendlela ecace kakhulu igama elithi "khokha", hhayi ezinye izincazelo noma amagama asebenzayo.
- Idethi yokuphelelwa yisikhathi kufanele ifakwe kuzo zonke izimo. Lokho kusho ukuthi, isikhathi okuzokhokhwa ngaso imali kwenye inkampani noma kumuntu.
- izoqokwa a faka inkokhelo. Akudingekile ukuba kube yibhange elithile noma ekhelini elithile. Ngokuphambene nalokho, kuzokwanela ukukhombisa inani labantu lapho kuzokwenziwa khona lokhu kunyakaza kwebhange (Madrid, Barcelona, Segovia...)
- Kuzoba isethembiso esiqinile lowo okhiphayo azibophezela ngaso ukwenza inkokhelo futhi lokho kuzovezwa, kungaba ngenombolo noma ngezinhlamvu.
- Yebo kuyimpoqo ukuthi kulo mbhalo indawo kanye nosuku lokukhishwa kuyaboniswa walo mkhiqizo. Njengesiginesha yokhiphayo, njengoba uma noma iyiphi yale datha ibingekho, izomenyezelwa njengeze ngakho ayikwazi ukukhokhiswa ngaphansi kwanoma yiziphi izimo.
Ngizokhokha uku-oda hhayi uku-oda
Kunoma yikuphi, kunomehluko kulo mkhiqizo wezezimali ongaholela emaphutheni athile ekukhishweni kwawo. Umehluko okhona phakathi kwenothi lesithembiso ku-oda hhayi ku-oda, lapho elokuqala liqukethe iqiniso lokuthi umkhokhi uvuma ukukhokha inkokhelo ekhethiwe phakathi nesikhathi esinqunyiwe.
Nakuba, ngokuphambene nalokho, lokho okubizwa ngokuthi cha ku-oda kusekelwe eqinisweni lokuthi akukuvumeli ukuba kugunyazwe kumuntu wesithathu futhi, ngenxa yalokho, amandla amakhulu okuxoxisana angenziwa. Nakuba ngokusebenzisa nge i-notarial kanye nemvume egcwele yomnikezi. Lesi isici okufanele sicatshangelwe ukuze singatholi ukumangala okungekuhle ngezikhathi ezithile ekumisweni kwayo kube semthethweni.
Nakuba kunenzuzo kule modeli yokugcina yokukhokha amanye amabhizinisi amancane naphakathi nendawo angayazi: awakhokhi intela Intela Yezenzo Zomthetho Ezibhaliwe.
Ngalokho abangathola inzuzo enkulu yezomnotho ngokukhishwa kwabo ngokulondoloza lezi zindleko zezezimali. Nakuba, ngokuphambene nalokho, ukonakala kwayo okuyinhloko yiqiniso lokuthi akwenzeki ukuphendukela ezinqubweni zabaphathi ukuze ufune inkokhelo ehambisanayo, uma kwenzeka ukubuyiselwa noma ukungakhokhwa okufanayo.
Ngakho-ke, kuzodingeka unqume ukuthi iyiphi enye yezindlela ezimbili ezisebenza kangcono isikhathi ngasinye ngoba zinikeza izici ezihlukile. Futhi lokho, empeleni, awekho angcono futhi awabi kakhulu, kodwa asekelwe ezidingweni zangempela zokubala zenkampani.
izinhlobo ze-promissory notes
Le ndlela yokukhokha isekela amamodeli amaningi kanye nemvelo ehlukahlukene. Umehluko wokuqala ubonakala mayelana nokuthi ubani okhiphayo. Kungaba a inothi lasebhange okuyilezo ezikhishwe yisikhungo sezikweletu futhi ezithathwa njengezihlonishwa kakhulu kuzo zonke. Nakuba ngakolunye uhlangothi, kukhona amanothi esithembiso senkampani, njengoba negama lawo libonisa, kuwumthwalo wemfanelo ofanayo.
Omunye umehluko uyenzeka kuye ngokuthi inkokhelo yenziwa nini futhi okuyizona ezivusa isithakazelo esikhulu ngenxa yokubaluleka kwalesi sici. Lawa amakilasi atholakalayo njengamanje:
- Amanothi Wokufuna: yilezo okumele zisetshenziswe ngesikhathi esinembile ezethulwa ngaso ngakho azikwazi ukubangela ukubambezeleka kulo mnyakazo wokubalwa kwezimali.
- amanothi esithembiso nsuku zonke: Kwenzeka lapho kunqunywa ukusetha idethi emisiwe yesikhathi sokuqoqwa futhi lokho kusho ukuphela kwayo. Ine-drawback enqumayo uma isimangalo senziwe ngokubambezeleka kosuku olulodwa kuphela.
- amanothi esithembiso angavuthwa: nakuba kungeyona ifomethi ejwayeleke kakhulu, kufanele kugcizelelwe ukuthi icishe ifane nedokhumenti ebonwayo. Okusho ukuthi, ikhokhiswa ngesikhathi esinembile lapho icelwa umsebenzisi.
Izinhlobo zamanothi esithembiso ngokuya ngendlela yokukhokha
Kungenye yezigaba ezivame kakhulu kulo mkhiqizo wezezimali. Idala amafomethi amasha esizowachaza ngezansi:
- ukweqa amanothi esithembiso: zibonakala ikakhulukazi ngesici esikhethekile kakhulu: kufanele zikhokhelwe, kungaba ku-akhawunti noma ehhovisi lasebhange.
- Amanothi esithembiso sokukhokha i-akhawunti: njengegama labo, babhekisela kumadokhumenti angakhokhiswa kuphela nge-akhawunti. Ngenkathi kumehluko wokugcina isuselwe esenzweni sokuvumela, ngamamodeli alandelayo esiwadalulayo:
- amanothi oku-oda: lapho umamukeli angakwazi ukuyidlulisela enkampanini yangaphandle ngaleli su lezezimali.
- amanothi esithembiso ukuthi anga-oda: ngeke kwenzeke ukwenza isenzo sangaphambilini ekubhaliseni kwakho futhi esivelele ngokuba enye yamafomethi anwebeka kakhulu maqondana namakhomishini asetshenziswa kukho.
- Futhi ekugcineni, omunye engibaziyo endala phakathi abatshalizimali abancane naphakathi, ezifana inothi lesithembiso elibhalisiwe. Isici esiyinhloko ukuthi yethulwa ngaphandle kwesigatshana somyalelo. Nakuba ngakolunye uhlangothi, ingagunyazwa kumuntu wesithathu noma inkampani.
inothi lesithembiso elibhalisiwe
Njengoba kulula ukuyiqonda, kunezinhlobo eziningi zamanothi esithembiso, nakuba mhlawumbe ngenxa yezici zawo ezikhethekile, enye ebaluleke kakhulu inothi lesithembiso elibhalisiwe. Imayelana nani lo mbhalo? Nokho, njengoba negama layo lisho, iwumkhiqizo umuntu noma inkampani enesibopho ngawo khokha kwenye indawo kule nqubo inani elithile lemali elilungisa imigomo ethile esikhathini sesikhathi.
Okunye okubaluleke kakhulu ukusetshenziswa kwayo ukuthi idokhumenti evame ukusetshenziselwa izinjongo zebhange. Kusho ukuthini lokhu? Phela, ukusetshenziswa kwayo nje esetshenziswa ukukhokhela abahlinzeki futhi kungenxa yalesi sizathu ukuthi kuwumsebenzi ovamile kakhulu ohlangothini lwezinkampani ezincane neziphakathi ukwenza lolu hlobo lokukhokha ku-akhawunti.
Ngaphezu kwalokho, kulula ukugcwalisa kunamanye amanothi esithembiso ayinkimbinkimbi. Phakathi kwezinye izizathu, ngoba ukuze lolu hlelo lokukhokha lusebenze kufanele lubhaliswe futhi lungalokothi lukhokhelwe. Okusho ukuthi, ukukhishwa kwayo kuzokwenziwa komunye umuntu ongumqoqi.
Amafomu enothi lesithembiso elibhalisiwe
Naphezu kokubonakala kwawo kulula, kwethulwa ngamafomethi ahlukene okusakaza, njengoba sizochaza ngezansi:
- I-Nominative, ngaphandle kwesigatshana se-oda. Yilona elivame kakhulu kunazo zonke futhi lisekelwe eqinisweni lokuthi umuntu kufanele aqokwe njengento enelungelo. Lapho kuyodingeka ukuthi ufake igama lomamukeli kudokhumenti.
- nominative hhayi uku-oda. Idokhumenti eyinkimbinkimbi kakhudlwana, kodwa ingaqondakala kalula njengoba iwuhlelo oludinga inhlangano e-odayo ukuthi iluvimbele ukuthi lungadluliswa ngokugunyazwa. Kunoma yikuphi, ukugcwalisa lo mbhalo kuzodingeka ucacise inani lemali, igama lomamukeli kanye nosuku owenziwe ngalo. Ngesixwayiso sokuthi leli nothi lesithembiso "akumele li-ode."
Kuzo zombili izimo, ziyizinhlelo zokukhokha ezisetshenziswa kakhulu abanikazi abancane ukuze bakhokhele abahlinzeki bempahla ngobulula bamamodeli abo. Njengoba nje ibavumela ukuthi bajwayelane nedethi yokukhokha.
Izinzuzo lapho usebenzisa inothi lesithembiso elibhalisiwe
Ukusetshenziswa kwenothi lesithembiso elibhalisiwe kuhilela uchungechunge lwezinzuzo zabaphathi balo ngakho-ke kufanele zihlolwe ngaso sonke isikhathi, kungakhathaliseki ukuthi le misebenzi yenziwa abantu ngabanye noma izinkampani ezincane. Njengezenzo ezilandelayo esizozethula ngezansi:
Kuyithuluzi lokukhokha elisebenza esikhundleni semali futhi elivumela abakhokhi bayo a ukuguquguquka okukhulu ekuphathweni nasekukhishweni kwayo.
Ukusetshenziswa kwayo kuvumela, empeleni, ukuthi asikho isidingo ukuphatha izimali ezinkulu. Ngokunethezeka okuletha kosomabhizinisi abancane nabaphakathi, ezimweni eziningi, abangenayo imali eyanele yokwenza le misebenzi yemali.
Omunye weminikelo yayo emikhulu ukuthi yenza kube nezizumbulu zemali emabhange. Kuze kube sezingeni lokuthi bangayisebenzisa nganoma yisiphi isikhathi ukuze thuthukisa izinkokhelo kusuka kulawa manothi esithembiso.
Nakuba kubonwa kwelinye iqembu, umamukeli, kuphakamisa inzuzo enkulu njengoba kuyinkontileka ebophezela ngokusemthethweni ekuhambeni kokugeleza kwemali. Kodwa okubaluleke nakakhulu ezithakazelweni zabo: kubaqinisekisa ukuthi inkokhelo ingenziwa ngaphandle kwanoma yiluphi uhlobo lwemikhawulo.
Ngosuku olushiwo kudokhumenti. Ukukhiqiza ukuphepha okukhulu ngemali ekweletwayo. Ngenxa yokukhishwa kwayo negama lomuntu wemvelo noma osemthethweni okufanele ililande futhi lokho kuyahluka kunesethembiso somphathi ngoba le datha ayiveli noma nini.
i-bank promissory note
Lena enye yezinhlobo ezivame kakhulu zamanothi e-promissory. I-bank promissory note idokhumenti lapho izinkampani onesibopho sokukhokha inani lemali kwabanye abantu. Ukuba yindlela evamile njengendlela yokukhokha ezinkokhelweni zezentengiselwano ezenzeka phakathi kwezinkampani ezincane neziphakathi.
Isici sayo silele eqinisweni lokuthi lo mbhalo uvame inkontileka ngemibandela emifushane kakhulu: 30, 45 noma 60 izinsuku. Ungalokothi uhlale isikhathi eside. Lapho isikhathi sokuvuthwa sifika, yibhange ngokwalo elilethula njengeqoqo ku-akhawunti yokuhlola lapho lo mkhiqizo wezezimali uqondiswe khona.
Izinzuzo ze-bank promissory note
Kusetshenziswa kanjalo incwadi yesithembiso yasebhange enikezwayo njengamanje ukuthi kuyadingeka ukugqamisa izinzuzo zalo msebenzi wokubala. Kunezinhlobo ezimbalwa futhi ezehlukene, njengalezi esizethula ngezansi, futhi kunoma yikuphi zithinta zombili izingxenye zenqubo:
Okunye okubaluleke kakhulu ukuthi ohlomula idokhumenti uya thola inani okubonakala kudokhumenti ngaphandle kwenkinga.
Nakuba ngokuphambene nalokho, bambezela inkokhelo, umenzi angakwazi ukulahla leyo mali ukuze ayinikeze eminye imisebenzi yebhizinisi. Isibonelo, ukutshala imali kwamanye amaphrojekthi anenzuzo ebhizinisini.
Kusukela kulesi simo, kufanele sibuyekeze isimo esingase senzeke ngokuvama okuthile. Alikho elinye ngaphandle idethi yokuphelelwa yisikhathi edlule ngaphandle kokuyithola kumamukeli. Kulesi simo, ngeke ube nesinye isixazululo ngaphandle kokuya ezigungwini zokwahlulela ukuze uthole imali oyikweletayo. Ngokuvamile i-akhawunti izokhokhiswa, nakuba kungase kuthathe isikhathi ukuze lesi simo senzeke.
Ngakolunye uhlangothi, i-bank promissory note ihlukaniswa kwamanye amadokhumenti anezici ezifanayo ngoba yaziwa kusengaphambili ithini idethi yokukhokha. Lokhu kwenzeka ngale ndlela, ngoba kuhlale kubonakala ekuvuthweni. Lo mkhiqizo wezezimali waziwa nangokuthi "isithembiso senkokhelo" ngenxa yezincazelo zezinhloso onazo. Kanye nesibambiso esikunikeza umamukeli wakho.
Nakuba kuyindlela yokukhokhela amakhasimende noma abahlinzeki, akumangalisi ukuthi isetshenziselwa ukukhokhela ukusebenzisana kochwepheshe noma ngisho kwesinye isimo inkokhelo yabasebenzi. Nakuba esimweni sokugcina, ngaso sonke isikhathi ngendlela efika ngesikhathi futhi engavamile ekusetshenzisweni kwayo.
xoxisana nge-promissory note
Kule nqubo, amaqembu amaningana ayingxenye yalolu hlelo kufanele acatshangelwe. Ngakolunye uhlangothi, kubamukeli yalo mkhiqizo wezezimali futhi, okwesibili, emabhange ngokwawo, uma kuvela icala. Ukuze ngale ndlela, izimo zabo zenkontileka zingashintshwa. Kunoma ikuphi, ukuxoxisana ngenothi lesithembiso akudingekile ukuba kube umsebenzi oyinkimbinkimbi wanoma yiliphi iqembu uma kukhona ukuqondana okucacile ezinhlosweni ezilandelwayo.
Kusukela kulesi simo esijwayelekile, esinye sezimo ezivame kakhulu lapho kudingeka khona ukuxoxisana yilapho ufuna ukuqoqa inani ngaphambi kokuthi liphelelwe yisikhathi. Nokho, kuleli cala, kubalulekile ukwazi ukuthi zonke Ukungabaza okungalethwa yisikhungo sezimali ukulindela inkokhelo. Kuze kufike ephuzwini lokuthi (ibhange) ngeke libe nakho ukukhetha ngaphandle kokuthethelela isinqumo salo, ngandlela thize.
Nciphisa izibopho kanye nezindlela zokukhokha
Ngalo mqondo, esinye sezinyathelo zokuqala amabhange azozithatha kuzoba wukuvula ucwaningo olunemininingwane eminingi mayelana nemibhalo enikezwe umenzi. Lapho izidingo zezinhlangothi zombili zicatshangelwa. Ngakolunye uhlangothi, enye yezinto ezibaluleke kakhulu ekuxoxisaneni kwencwadi yesithembiso isekelwe eqinisweni lokuthi zonke izici ezihlobene nalo mkhiqizo wezezimali kufanele zicaciswe ngokucacile. Lokho kusho ukuthi, uma inothi lesithembiso liyamukeleka, ebhange noma ngenye indlela ezohwebo. Kukhona okuguquguqukayo okuningi okungenzeka ukuthi kungabangela ukuxoxisana okuyinkimbinkimbi kakhulu.
Nakuba ngakolunye uhlangothi, isici esibaluleke kakhulu njengokuthi inkampani iphethe inothi lesithembiso sokunga-odi ngeke ilibaleke. Ngoba kungaba a Ubunzima bokufinyelela esivumelwaneni esigculisayo. Njengasefomethi yesaphulelo sokuthola usizo, uma ucabanga ukuthi kungenzeka yini ukuthi uma kudale isimo sokungakhokhi inkampani, kuzoba yinkampani uqobo okufanele ibhekane nenkokhelo.
Okunye okubalulekile yizindleko ekuphathweni nasekugcinweni kwazo zonke lezi zimo futhi ezingase zifakwe engxoxweni. Ukuze ugweme ukukhishwa kwemali okungase kudlulele ezinzuzweni zezinkampani. Okokugcina, ezinye izici okufanele zicatshangelwe kusukela manje ukwazi izikhungo zezezimali ezinikeza izaphulelo ngezinsiza noma ngaphandle kwazo. Akumangazi-ke ukuthi kuzoncika ekutheni ngubani ekugcineni okufanele aphendule ngenkokhelo.
Qoqa inothi lesithembiso ngaphambi kokuvuthwa
Uma sikhuluma ngencwadi yesithembiso, sikhuluma ngedokhumenti lapho inkampani noma umuntu evuma ukukhokha inani elithile kwenye inkampani noma uchwepheshe esikhathini esisungulwe ngaphambilini. Lesi sikhathi yilokho okubizwa ngokuthi ukuvuthwa kwayo kanti inkinga kwezinye izimo isekutheni lezi minikelo yemali iyadingeka. ngaphambi kokuthi iphelelwe yisikhathi.
Njengamanje kunamasu amaningana kubaphathi bakho okuqoqa inothi lesithembiso ngaphambi kokuvuthwa kwalo. Ngokuvamile ngokwenza lo mkhiqizo wezezimali ngokwendlela yakho yokukhokha. Leli su liholela eqinisweni lokuthi kukhona amafomethi ambalwa egumbini layo lezindaba ahlangabezana nalezi zici ezichazwe kahle. Okuvame kakhulu, njengoba negama layo libonisa, ngokusebenzisa i- amanothi esithembiso angavuthwa futhi lokho kuvumela abamukeli ngesikhathi esinembile lapho kucelwe khona lokhu kushintshana kwemali. Ngaphandle kokulinda noma yiluphi usuku oluthile.
Inothi Lesithembiso Ngaphambi Kokukhula: Ukuvumelana nezimo okwengeziwe
Kuyimodeli elula yezinkampani okufanele ziqoqe imali ngenxa yomsebenzi wazo, izinsizakalo noma enye inkuthazo. Ngokuvumelana nezimo ukuze uthole ukheshi. Lena enye indlela okumele izinkampani kanye nabasebenzi abazisebenzayo bayenze sheshisa le ngxenye yenqubo.
Ngakolunye uhlangothi, kuvame kakhulu ezinkampanini ezincane nezinkulu ezidinga ukuba nemali eyanele ngaphambi kosuku olubekwe kule nkontileka. Noma, ngokuphambene nalokho, lokho kungatholwa ngaphambi kokuphelelwa yisikhathi. Nokho, kulezi zimo, isixazululo sibonakala ngalokho okubizwa ngokuthi isaphulelo se-promissory note. Kodwa lo omunye umkhiqizo wezezimali uhlanganisani? Nokho, entweni elula njengokuvumela iqembu lesibili ohlelweni ukuthi liqoqe inani lenothi lesithembiso ngaphambi kokuthi kufike usuku lokubulawa.
Osomabhizinisi nabazimele abangakwazi ukulinda
Lesi yisimo esenzeka ngezikhathi ezithile. phakathi kwabazisebenzayo. Kuze kube sezingeni lokuthi badinga ithiphu lemali ukuze benze imisebenzi yabo yobungcweti noma yezohwebo. Ngomqondo wokuthi abakwazi ukulinda isikhathi eside kuze kube yilapho inkokhiso ye-akhawunti yenziwa isebenze. Ngakho-ke, kunconywa kakhulu ukuthi baveze isifiso sabo kwelinye iqembu ukuthi bangabi ngaphansi kwe-promissory note ngosuku noma ngokubona. Njengoba kulokhu, ngeke bakwazi ukuyikhokhisa kusenesikhathi.
vumela inothi lesithembiso
Lesi senzo siqashelwa uma kukhona isigatshana esibhalwe kudokhumenti lapho umgqugquzeli edlulisela noma enikeza umuntu wesithathu amalungelo asuselwe kulo msebenzi. Ngokuvamile kanye nokuqonda kangcono, ngesihloko esilandelayo: "Khokha u-Miguel Ángel García Jaji....". kufanele uye kuphi iqale ngesignesha yakhe ukuze libe semthethweni. Nakuba ngakolunye uhlangothi, akufanele kukhohlwe ukuthi ukugunyaza inothi lesithembiso ngokuvamile kwenziwa kuwo wonke amadokhumenti ngaphandle kwamanothi esithembiso ukuthi anga-oda.
cross promissory note
Njengoba sonke sazi, kunezinhlobo eziningi zamanothi esithembiso futhi enye ebaluleke kakhulu yilena ebizwa ngokuthi ephambanisiwe. Kodwa ingabe le ndlela yokukhokha evame ukusetshenziswa izinkampani ezincane neziphakathi ihlanganisani ngempela? Nokho, empeleni kungakhokhiswa kuphela ngokunikeza idokhumenti nokuthi yethula imigqa ethile ngaphambili (lapho igama lebhange okuzokwenziwa kulo lo mnyakazo wemali lingavezwa). Ngenketho yangempela yokwamukela inani ehhovisi lasebhange inqobo nje uma ohlomulayo eyiklayenti lebhizinisi lezezimali lapho kuzokwenziwa inkululeko yale modeli yenothi lesithembiso.
Ngaphandle kwalokho abanye abasebenzisi abangase bakucabange ekuqaleni, inothi lesithembiso eliphambene alifani. Kunalokho, ihlukaniswe yaba amafomethi amabili ahlukene. Amanothi esithembiso ajwayelekile futhi akhethekile. Esimweni sokuqala, kubhekisela eqinisweni lokuthi igama lanoma yisiphi isikhungo sezezimali ngeke lidalulwe. Ngenxa yalesi sici, umphumela wawo omkhulu wukuthi izokwazi ekhokhwa kunoma yiliphi ibhange, ngisho noma umamukeli engeyena ikhasimende elifanayo.
Enye yezinzuzo zayo ezibaluleke kakhulu itholakala eqinisweni lokuthi iwuhlelo lokukhokha kulula ukwenza kube semthethweni nokuthi ayidingi ukuxhumana nebhange elisikhiphayo. Ngenxa yalesi sizathu isetshenziswa kakhulu lapho izinhlangothi zombili zifinyelela esivumelwaneni sokuthuthukisa lelisu lokukhokhwa kwenkonzo noma umsebenzi wobungcweti. Ngokwaleli phuzu lokubuka, kuwumkhiqizo ovumelana nezimo kakhulu ukwenza izinkokhelo nge-akhawunti.
Enye indlela, ebizwa ngokuthi i-special promissory note, izofaka igama lebhange elizobe liphethe ukukhokha nge-akhawunti emigqeni emibili engaphambili. Ngamanye amazwi, ngeke kube khona ukukhetha ngaphandle kokuba ne-akhawunti yokuhlola noma yokulondoloza ebhaliswe nebhizinisi lezezimali. Kumayelana a imodeli eqinile okungadala izinkinga ezithile ukuze ekugcineni kufinyelelwe ekuxazululeni kwayo.
Abahlanganyeli kunothi lesithembiso eliphambanayo
Njengezinye izinhlobo ze-promissory notes, Amaqembu amabili abambe iqhaza kulolu hlelo., njengoba ngakolunye uhlangothi kulula ukuyiqonda. Ngakolunye uhlangothi, umfanekiso we-spinner ongeyena omunye ngaphandle kwalowo othatha indima yesibopho esiyinhloko. Nakuba ngakolunye uhlangothi, ozuzayo naye ukhona futhi lokho kubhekisela kumuntu noma inkampani engase ifune okuqukethwe kulo mbhalo. Ngale kokunye ukucatshangelwa kwemvelo yobuchwepheshe.
Njengoba kubonakala, kunezinhlobonhlobo zezinye izindlela uma ufuna ukukhokha iklayenti, umphakeli noma umsebenzi. Lapho isimo esihle siwukuthi imodeli okuvunyelwene ngayo yizinhlangothi zombili ikhethwa. Ukuze ugweme izimo ezingafuneki kakhulu ezingabangela inkinga engaphezu kweyodwa ekukhokhisweni kwe-akhawunti. Futhi lokho kuholela ekutheni amanani aqoqwe ngemuva kwesikhathi kunesidingo futhi ahlelwe amaqembu ahililekile.
Izinzuzo zamanothi ukuze u-odwe
Enye yezinzuzo eziyinhloko zamanothi e-promissory ukuthi a-odwe ukuthi inikeza ukuguquguquka okukhulu nokunethezeka kumaqembu ahililekile futhi phakathi nenqubo yokudlulisela. Nakuba, ngokuphambene, enye ifomethi (amanothi esithembiso anga-oda) ahlukaniswa ngokuyisisekelo ngoba Ukwabelwa kwezinkampani zangaphandle ngokugunyaza akuvunyelwe. Futhi ngale ndlela kungalimaza kakhulu izithakazelo zomamukeli walo mkhiqizo wezezimali. Ngaphandle kolunye uchungechunge lokucatshangelwa kwezobuchwepheshe okuzoba isihloko selinye ikilasi lokuhlaziywa kobuchwepheshe.
Esinye isici okudingeka sihlolwe yileso esibhekise enkokhelweni yakho. Ngomqondo wokuthi i-promissory amanothi anga-oda zidinga isaziso esifike ngesikhathi ukuqinisekisa ukuthi usuku lokukhokha oluvezwe kulo mbhalo wokubalwa kwemali luyahlonishwa. Njengeqiniso lokuthi kuyinqubo ngokuvamile engathatha isikhathi eside njengomphumela wezimpawu ezivezayo.
Kunoma yikuphi, kulula kakhulu ukuthi ama-ejenti amabili kule nqubo ahlaziye izinzuzo nezinkinga zawo ukuze athole isisombululo sale nkinga izinkampani ezivame ukubhekana nazo lapho zenza inkokhelo. Ngoba ngokomthetho, enye ayingcono noma imbi kunomunye, kodwa kuncike ezidingweni zangempela yabakhokhi nabamukeli bala manothi esithembiso. Nakuba eyokuqala ingase ibe mnandi, ngaphezu kwakho konke ngoba kulula ukuyikhipha nokuyiphatha ize iphele.
Indlela yokugcwalisa inothi lesithembiso?
Mhlawumbe esinye sezici ezibaluleke kakhulu ezifunwa ngabasebenzisi ukuthi lo mkhiqizo uhanjiswa kanjani noma ugcwaliswe kanjani. Akuyona inqubo eyinkimbinkimbi ngokwedlulele, kodwa idinga ukuthuthukiswa ngendlela efanele ngoba noma iliphi iphutha kuyo lingabangela izinkinga ezidlulele ezinhlangothini ezimbili ezakha le nqubo. Ngisho nangengozi yangempela yokuthi umamukeli wenothi lesithembiso ngeke akwazi ukuliqoqa. Ngakho-ke, kuyadingeka ukunaka kancane le ngxenye ewusizo mayelana nalo mkhiqizo wezezimali.
Okokuqala nje, kubalulekile ukugcizelela ukuthi kungase kwehluke kuye ngohlobo lwenothi lesithembiso esisazolenza. Kodwa ngokwemibandela ejwayelekile sizokuchazela ngazo ngokusebenzisa lezi zinyathelo ezilandelayo okuzodingeka ukuthi zenziwe zibe semthethweni. Ngedatha okufanele ivezwe kulo mbhalo:
Igama lebhizinisi nehhovisi elikhishiwe. Ngokuvamile izofika phezulu kwesokunxele sedokhumenti. Kuzo zonke izimo, kufanele ivezwe ngendlela ecace kakhulu futhi ngaphandle kwesigameko noma ukufiphala ukuze ingabonakali noma ivele ingafaneleki ngempela.
Ukuphelelwa yisikhathi kwakho. Ngaphandle kokungabaza, ingenye yezingxenye ezibaluleke kakhulu zenothi lesithembiso ngoba usuku lokukhokhwa kwenani elifakwe kulo mbhalo luzoncika kulo. Izovezwa ngezansi kwedatha yangaphambilini. Futhi kufanele kucace kakhulu futhi ngaphandle kwezizathu zokudideka.
Ukuhlonza umuntu okuqondiswe kuye inkokhelo yenothi lesithembiso. Njengoba kunengqondo, ukuqonda kubaluleke kakhulu ekubhaleni kwayo okulungile. Kungaba igama lenkampani noma lomuntu osemthethweni futhi kufanele lihambisane nenani eliphelele elithunyelwa komunye umamukeli. Yonke le datha ivezwe engxenyeni emaphakathi yedokhumenti. Ngemininingwane emincane, futhi leyo mali, kufanele ibhalwe ngezinhlamvu, hhayi ngezinombolo.
Inombolo yomkhiqizo kanye nedokhumenti yenothi lesithembiso. Njengoba kunengqondo ukuqonda, kufanele kube nokulandelana kuye ngomsebenzi kule ndlela yokukhokha. Ngamadijithi athile azohluka futhi azovezwa engxenyeni engezansi kwesokunxele yale dokhumenti.
I-serial kanye nekhodi yedokhumenti yenombolo. Lezi izinombolo ezifika ngokuzenzakalelayo futhi zitholakala ngezansi kwedokhumenti. Kubalulekile ukuthi isebenze futhi nenani elizokhokhwa ngaphansi kwemibandela esungulwe kufomethi ngayinye yamanothi esithembiso.
Idethi nendawo yokukhishwa kwenothi lesithembiso. Usuku, inyanga kanye nonyaka lo mkhiqizo okhishwe ngawo. Njengedolobha elisuka kulo elisemthethweni futhi kuzo zombili izimo kufanele zibhalwe ngokucacile kakhulu ngezinhlamvu.
Isithembiso sokukhokha kanye nenani elifakwe ngezibalo. Iza engxenyeni emaphakathi yedokhumenti nomlayezo olandelayo: "kule ncwadi yesithembiso, ngithembisa ukukhokha, ngosuku lokuphelelwa yisikhathi olubonisiwe".
I-akhawunti yekhasimende kanye nekhodi ye-IBAN ye-akhawunti ekhishiwe. Ngayo yonke imininingwane yasebhange eku-akhawunti okuzokwenziwa kuyo le nhlangano yokubalwa kwezimali. Kufanele iphelele, ngaphandle kokulahlekelwa noma yimiphi imininingwane, njengoba ifakiwe kuma-invoyisi ezinkampani noma abahlinzeki. Ukuba khona ekhoneni eliphezulu kwesokudla sedokhumenti.
Uma yonke le datha ihlanganiswe ngendlela efanele, ngeke kube khona inkinga encane yokwenza lo msebenzi ngempumelelo ephelele ngokwemiphumela yawo.