Ingxelo ekufuneka yenziwe kuyo dos du uhlole "iyamkelwe kumyalelo we" ilandelwa ngumhla kunye nomsayino wakho. i uhlole ayigqithwanga ngoko ke inokuqiniselwa amaxesha amaninzi ngokulandelelana.
Kwakhona, ndiyenza njani imali itshekhi? Ngokwenene, ukuba wakho uhlole ngokwenene a uhlole ayigqithwanga, ungakwazi ngaphandle kwayo nayiphi na ingxaki ukufumana isambuku liquide kwikhawuntara yebhanki ekhuphayo. Ekuphela kwento ekufuneka uyenzile kukuziveza ebhankini nencwadi yesazisi kwaye isixa-mali siyakunikwa ngoko nangoko.
Ngubani ekufuneka asayine emva kwetshekhi? Umphathi we uhlole unqwenela ukwenza imali kuphela kuya kufuneka uphawu, bhala inombolo yeakhawunti yakho ngasemva uze uyise ebhankini yakho okanye uyithumele ngeposi (ngokukodwa kwiibhanki ze-intanethi).
Ngubani ekufuneka asayine emva kwetshekhi? Ngokomthetho, kuthiwa "ayinakuvunyelwa ngaphandle kokuba kuxhamle ibhanki". Umthwali ke ngoko ugunyaziswe ukuba anikezele kwaye avume (sayina ngasemva kwaye uncamathele isiliphu) i uhlole. Ngoko ke umele abe ngumntu othembekileyo!
Ke, ukugcwalisa njani itshekhi yomthwali? Ngenisa eyakho uhlole kwibhanki yakho.
Indlela yesiqhelo yophumezo yile: “iphunyelelwe kumyalelo we”, ilandelwa ngumhla kunye notyikityo lwakho. Ukuba awulikhankanyi igama lomxhamli, umva uya kuba ngo umthengisi kwaye nabani na unako ukwenza imali uhlole.
Uyenza njani imali itshekhi ngaphandle kokuba neakhawunti yebhanki?
Ukuze ukwazi idipozithi itshekhi ngaphandle akhawunti dans la bank umkhuphi, kufuneka uziveze kwikhawuntara yamva nencwadi yesazisi esebenzayo. Umntu oxelayo uya kukuhlawula ngemali ezinkozo.
Yintoni itshekhi enqamlezileyo engalungisekiyo? Ayinakudluliselwa kumntu wesithathu (kutshiwo ayivunywa, ngaphandle kwenzuzo yebhanki). Ukuqokelela i uhlole, kufuneka uyisayine ngasemva kwaye uyinike ibhanki. Kukwayimfuneko ukuba i-akhawunti yomthumeli we uhlole ibonelelwe ngokwaneleyo ukulungiselela i uhlole ibe yimali.
Yintoni umahluko phakathi kwetshekhi enqamlezileyo nenganqunyulwanga? i 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.
Ndiyenza njani itshekhi engenakukhutshelwa imali?
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.
Yeyiphi inombolo ofanele uyibeke emva kwetshekhi? Xa sele unayo uhlole, kufuneka uyivume. Olu qinisekiso luqulathe ukubonisa ngasemva kwe uhlole umhla wanamhlanje, wakho inombolo akhawunti, ngokuqinisekisa olu lwazi ngotyikityo lwakho. Igama lakho lokuqala kunye nefani. Eyakho inombolo yeakhawunti yebhanki.
Ngaba ndingayenza itshekhi yegama lomyeni wam?
Inqaku le-221 le-Code Civil ivumela omnye wabalingane ukubaImali yetshekhi egameni yazo zombini kwaye ivunywe ngumntu ngamnye; akukho kuphindwa kwentlawulo engafanelekanga kwinzuzo yebhanki.
Ngaba kufuneka usayine itshekhi? Ngaphandle kotyikityo, i uhlole ayinaxabiso.
Ukukhankanya "utyikityo" olulandelwa sisithuba sikuvumela ukuba wazi apho kufuneka usayine. Il ne kumele ungangeneleli emazantsi e uhlole.
Ngaba kunyanzelekile ukuxhasa itshekhi?
Hlawula a uhlole ngokuyityikitya ngasemva Est inyathelo sesevisi ukukwazi ukuyiqokelela. qinisekisa itshekhi : a uhlole ivunyiwe Est kananjalo a uhlole umva owusayinileyo. Umehluko Est qu'un uhlole ivunyiwe Est ngokuqinisekileyo a uhlole ayigqithwanga. Nye uhlole yanqunyulwaEst ngokwenene ayikhuthazwa.
Zisayinwa njani iitshekhi?
On uphawu ngokubanzi ezantsi ekunene, phantsi kokukhankanywa "Utyikityo". mayingangeneleli kumgca omhlophe. Ekugqibeleni, gcwalisa i-stub okanye i-checkbook stub. Qaphela umhla, umxhamli, isixa.
Ndiyizalisa njani itshekhi? Thina uphawu ngokubanzi ezantsi ekunene, phantsi kokukhankanywa "Utyikityo". mayingangeneleli kumgca omhlophe. Ekugqibeleni, gcwalisa i-stub okanye i-checkbook stub. Qaphela umhla, umxhamli, isixa.
Ndiyibhala njani itshekhi eMelika? Kwibhokisi esekunene, bhala isixa ngokwamanani (emva kwesimboli ye-$). Emazantsi ekunene siyasayina (kufuneka uqikelele ukuba siyasayina apho… kuba ayibhalwanga.) kwaye ekhohlo (apho isithi FOR), sibhala ngokubanzi ulwazi malunga nomntu owenza le nto. uhlole njengenombolo yakhe yomnxeba.
Ndiyithumela njani itshekhi ngeposi?
Ndinga thumela itshekhi ngeposi ? – KwiLeta ilandelwe ukulandela indlela yayo; – Ngeleta ebhalisiweyo evuma ukufunyanwa kobungqina bediphozithi kunye nerisithi.
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 :
Indlela yokuqinisekisa itshekhi engekho egameni lakhe?
ngo le ityala lediphozithi khangela kwabanye, umntu wesithathu uvela kutshintshiselwano: le "iqela lesithathu", elithetha le umthwali we uhlole kodwa akukho sandi indlalifa. Le Umntu ophetheyo kufuneka abe nesigunyaziso esibizwa ngokuba ligunya lebhanki eligunyazisa ukuba enze imali itshekhi.
Yintoni omawuyenze ngetshekhi yakho engavunywayo? Zinokuhlawulwa kuphela ngumxhamli ogama lakhe libhaliweyo, kwisebe lebhanki. Singadibanisa ukukhankanywa ngasemva " itshekhi engavunywayo ", kodwa eyona ilula, ukuba i uhlole ayigqithwanga xa iprintwa yibhanki, kukuzoba imigca emibini ye-oblique ehambelanayo kwicala lasekunene.
Kutheni usenza itshekhi?
Le itshekhi enqamlezileyo yaqala ukusetyenziswa eFransi ngo-1911 ukukhusela i-transmitter kwimeko yokulahlekelwa okanye ukubiwa kwe uhlole. Ke ngoko, ngaphandle kweemeko ezithile ezikhethekileyo, zonke iitsheki ezibonelelwa yibhanki zivaliwe kwangaphambili. Ukuwela kwenziwa ngemigca emibini ehambelanayo kwikona ngaphambili.
Ngubani onokukhupha itshekhi enqamlezileyo? i itshekhi enqamlezileyo ne kungaba ibe yimali que ngumntu qui uneakhawunti yebhanki. Olu hlobo uhlole ayidluliswa: kuphela umntu ogama lakhe livela kwindawo "yomxhamli" we uhlole uya kukwaziimali engenayo.