Un uhlole akukho deposit ikhona
Inqaku L. 131-31 leKhowudi yezeMali neyezeMali ibhengeza “ezingezizo ukubhala” nayiphi na ingxelo echasa intlawulo xa ubona a uhlole. Kwakhona ingxelo "ayinamali” uqhubeka noxwebhu oluqhotyoshelweyo okanye nakwi uhlole ayisebenzi kwaye i uhlole ingafakwa kwaye ifakwe imali.
Ukongeza, yintoni itshekhi engenakulinganiswa? Ayinakudluliselwa kumntu wesithathu (it Est Utsho ayivunywa, ngaphandle kwenzuzo yebhanki). Ukuqokelela i uhlole, kufuneka uyisayine ngasemva kwaye uyinike ibhanki. Kukwayimfuneko que le iakhawunti yomniki uhlole zibonelelwe ngokwaneleyo kunetshekhi ibe yimali.
Lithini ixesha lokugqibela lokubonisa itshekhi engekahlawulwa? Xa a uhlole ibonisiwe kwaye ayinakuba yimali galela akube de ulungiselelo, umthwali unalo de izibheno ezininzi kuxhomekeke ekubeni unikezelo lwenziwa kwi Umda wexesha zomthetho de 8 iintsuku okanye hayi.
Kutheni usenza itshekhi? i itshekhi enqamlezileyo ke ngoko yenzelwe kuphela umxhamli kwaye ayinakudluliselwa kumntu wesithathu. Ngokuchaseneyo ne uhlole ezingezizo Intonga, le itshekhi enqamlezileyo ayihlawulwa ngemali ezinkozo kwikhawuntara yebhanki enikiweyo uhlole nto leyo eyenza umahluko omkhulu phakathi kwe itshekhi enqamlezileyo et le uhlole ezingezizo Intonga.
Ngoko ke, zeziphi iintlobo zeetshekhi? Eyahlukileyo iintlobo zeetshekhi
- Les iitsheki igqitywe kwangaphambili.
- Les iitsheki ayigqithwanga.
- Les iitsheki ibhanki.
- Les iitsheki eqinisekisiweyo.
- Les iitsheki Ezohambo okanye zabahambi khangela .
Ndiyenza njani imali ngetshekhi engamkelekanga ngaphandle kweakhawunti?
Jonga inqaku leingqokelela de iitsheki
Idume kakhulu kumazwe afana neCanada kunye ne-United States, le ndlela isebenza kwi-endorsement ye uhlole enkosi ngenkonzo yeingqokelela. Ukuze ukwazi ukukhetha le fomyula, yakho uhlole mayibe iyavunywa, oko kukuthi, mayinganqunyulwa.
Uthini umahluko phakathi kwetshekhi ye-cashier kunye netshekhi eqhelekileyo? Inzuzo ye-a itshekhi yebhanki ukuqinisekisa kumxhamli a uhlole ukuba uya kuhlawulwa, nto leyo engenziEst hayi imeko a uhlole zakudala, ezinokuvela kwiakhawunti zebhanki apho kushiyeke isixa esingaphantsi kwexabiso le uhlole. Sithetha ke uhlole ngaphandle kwezibonelelo.
Kwenzeka ntoni xa itshekhi igqabhuka? Ukukhatywa kwe-a uhlole yibhanki yakho ngenxa yokunqongophala kwemali eyaneleyo ibandakanya isiganeko sentlawulo. Kuya kufuneka uhlawule umrhumo. Ungayilungisa imeko ngokukhawuleza nje que ibhanki yakho ikwazisa ngesehlo.
Yintoni umahluko phakathi kwetshekhi enqamlezileyo nenganqunyulwanga?
Le uhlole eyona bhanki ixhaphakileyo Est ngokucacileyo i itshekhi enqamlezileyo, leyo, ngokungafaniyo itshekhi engagqithwanga : hayi evunyiweyo, ngaphandle kokuba kuxhamle ibhanki (ngoko ke ayinako ukudluliselwa komnye umntu ngokuyivuma); Est simahla ibandakanya imigca emibini oblique ukuwela imali kunye nomyalelo we uhlole.
Ithini indima yetshekhi? i itshekhi yi umbhalo apho umntu obambe i-akhawunti (idrowa) enika umyalelo kwibhanki yakhe okanye kwiziko lakhe lezemali (umzobo) ukuba ahlawule xa ebona, mhlawumbi ngenzuzo yakhe okanye ukwenzela umntu wesithathu (umxhamli) , isixa esimiselweyo ( ulungiselelo) ukuba atsalwe ngokukhawuleza kwiakhawunti yakhe.
Ingaba ijongeka njani itshekhi?
Wela itshekhi, kukuzoba imigca emibini enxuseneyo kuyo ukuze ifakwe kuphela ngebhanki okanye kwiziko letyala. Imivalo ehambelanayo incanyathiselwe ngaphambili, hayi ngasemva.
Yintoni indima yetshekhi? THE itshekhi yi umbhalo apho umntu obambe i-akhawunti (idrowa) enika umyalelo kwibhanki yakhe okanye kwiziko lakhe lezemali (umzobo) ukuba ahlawule xa ebona, mhlawumbi ngenzuzo yakhe okanye ukwenzela umntu wesithathu (umxhamli) , isixa esimiselweyo ( ulungiselelo) ukuba atsalwe ngokukhawuleza kwiakhawunti yakhe.
Yintoni itshekhi rhoqo?
Le uhlole yentlawulo eqhelekileyo eyona isetyenziswa kakhulu kwisiFrentshi. … Ikwabizwa kwakhona uhlole igqitywe, ihambelana no-a uhlole ayinakuvunyelwa, yonaEst-ukuthi kunetshekhi ayinakubuyiselwa quebhankini hayi ngqo kumxhamli wayo. Umgaqo woku khangela ukubakufuneka ivunywe phambi kwentlawulo.
Uyenza njani imali itshekhi ngaphandle kokuba neakhawunti yebhanki?
Ce uhlole ayifuni ukuba ube ne i-akhawunti yebhanki kwazi ukuimali engenayo. Ngokuqinisekileyo, kuya kufuneka uye kwi-counter of the counter bank umkhuphi we uhlole. Isixa-mali siyakunikwa ngemali ezinkozo, ngqo ekhawuntareni.
Uyifumana njani itshekhi ngokukhawuleza kwiBhanki yePosi? Uyenza njani imali itshekhi ?
- yibeke eofisini post ixhotyiswe ngeautomaton. Isiliphu sokuthumela imali se iitsheki akuyomfuneko.
- yibeke eofisini post ixhotyiswe nge-urn. Ndigqibezela isiliphu sam sokuthumela imali iitsheki :
Ndiyithumela njani imali kumntu ongenayo iakhawunti yebhanki? Ukuba awunayo akukho akhawunti kwisiseko zebhanki network, khetha iodolo yemali. Kubonelelwe ngeArgent imali, kuya kufuneka ugcwalise ifomu yokuodola imali engxamisekileyo. Utshintshiselwano, uya kunikwa isazisi esiyimfihlo, ekufuneka unxibelelane naso nomxhamli.
Uyikhupha nini itshekhi yebhanki?
Ngokubanzi, kuthatha iiyure ezingama-24 ukuya kwezingama-48 phambi kokuba uxwebhu lwentlawulo lwenziwe lufumaneke. i Itshekhi yebhanki isebenza unyaka omnye kunye neentsuku ezisi-8 ukusuka kumhla wokukhutshwa. Ngeli xesha, umthengisi unakoimali engenayo kwi-arhente zebhanki yokhetho lwakhe, njenge uhlole zakudala.
Itshekhi yebhanki isebenza ixesha elingakanani? Ingqokelela. I ubude de ukunyaniseka kwetshekhi yi Unyaka o-1 kunye neentsuku ezi-8. Ngaphaya kweli xesha, umxhamli wayo akasakwazi ukuyibuyisela kwiakhawunti yakhe yebhanki. Ukuze ukwazi ukuqokelela isixa se uhlole, umxhamli wayo kufuneka ayivume,Esto.k.t. uyityikitye ngasemva, kwaye uyinike a bank ngaphambi kwalo mhla wokugqibela.
Isebenza njani itshekhi yebhanki?
Le Itshekhi yebhanki est un uhlole izotywe phezulu, ngesicelo somthengi, yi bank ngubani oza kuhoxisa ngaphambili imali ehambelanayo kwi-akhawunti yomthengi: intlawulo yakhe iqinisekisiwe. Ungacela ukuhlawulwa ngu Itshekhi yebhanki iintlawulo zeemali ezinkulu (imoto umzekelo).
Zeziphi iintlobo ezahlukeneyo zetshekhi? Khangela iqinisekisiwe, yafakwa isitampu, yacandwa… i iintlobo ezahlukeneyo itshekhi. Unobhanki unokukhupha i-a uhlole eqinisekisiweyo. Khangela ekujoliswe kuyo:uhlole emisela ubukho besibonelelo ngomhla we-visa kodwa ayiqinisekisi ukuvalelwa kwesibonelelo ukuze kuxhamle umxhamli.
Zeziphi iintlobo ezahlukeneyo zeetshekhi?
Les iintlobo ezahlukeneyo zeetshekhi
- Les iitsheki igqitywe kwangaphambili.
- Les iitsheki ayigqithwanga.
- Les iitsheki ibhanki.
- Les iitsheki eqinisekisiweyo.
- Les iitsheki Ezohambo okanye zabahambi khangela .
Ziziphi iingenelo zetshekhi? Ziziphi iingenelo intlawulo nge uhlole ?
- Ivumela ukulandelela lula kweentengiselwano.
- Yenza kube lula ukurhoxiswa kweentlawulo.
- Iyakuphepha ukuphatha imali.
- Imali ekufuneka uyihlawule uhlole ayivalwanga
- Intlawulo nge uhlole yamkelwe kwiivenkile ezininzi.
- Yeyazimahla.
Ngubani owasungula iitshekhi?
Ukudalwa kwe uhlole eFransi. Ukususela ngo-1742, iibhanki zamaNgesi zayila i uhlole : abanakuphinda bakhuphe ama-banknotes kuba iBhanki yaseNgilani ibambe i-monopoly yokukhutshwa kwaye ngoko ke yenze le ndlela entsha yokuhlawula.