Un hlola ayikho idiphozithi ekhona
I-athikili L. 131-31 ye-Monetary and Financial Code ithi “non ukubhala” noma yisiphi isitatimende esiphikisana nenkokhelo uma kubhekwa a hlola. Futhi isitatimende "hhayi cashable” uphathe idokhumenti enamathiselwe noma ngisho naku- hlola ayisebenzi futhi hlola ingafakwa futhi ifakwe imali.
Ngaphezu kwalokho, yini isheke elingenakulinganiswa? Ngeke idluliselwe kumuntu wesithathu (it kuyinto wathi okungavunyelwe, ngaphandle kwenzuzo yebhange). Ukuqoqa i hlola, kufanele uyisayine ngemuva bese uyinikeza ibhange. Kuyadingeka futhi que le i-akhawunti yomnikezi hlola ukuhlinzekwa ngokwanele kunesheke kube cashed.
Uthini umnqamulajuqu wokwethula isheke elingakhokhelwa? Lapho a hlola yethulwa futhi ayikwazi ukushintshwa ngoba iphutha de ukuhlinzekwa, ophethe unayo de izikhalazo eziningana kuye ngokuthi ngabe isethulo senziwe ku isaziso zomthetho de Izinsuku eziyi-8 noma cha.
Kungani unikeza isheke eliphambene? i isheke eleqa ngakho-ke ihloselwe ohlomula kuphela futhi ayikwazi ukudluliselwa komunye umuntu. Ngokuphambene hlola non Udondolo, lo isheke eleqa ayikhokhwa ngokheshi kwikhawunta yebhange elikhiphile hlola okwenza kube umehluko omkhulu phakathi kwe isheke eleqa futhi hlola non Udondolo.
Ngakho-ke, yiziphi izinhlobo zamasheke? Okuhlukile izinhlobo zamasheke
- Les amasheke idluliselwe phambili.
- Les amasheke hhayi ngaphandle.
- Les amasheke ibhange.
- Les amasheke eqinisekisiwe.
- Les amasheke okokuhamba noma okomhambi hlola .
Ngilikhipha kanjani isheke elingenakulinganiswa ngaphandle kwe-akhawunti?
Bheka iphuzu lokuthiiqoqo de amasheke
Idume kakhulu emazweni afana neCanada kanye ne-United States, le ndlela isebenza ekugunyazweni kwe hlola sibonga inkonzo yeiqoqo. Ukuze ukwazi ukukhetha le fomula, yakho hlola kumele kube kuyamukeleka, okungukuthi, akumelwe kweqe.
Uyini umehluko phakathi kwesheke le-cashier kanye nesheke elivamile? Inzuzo ye-a isheke lasebhange ukuqinisekisa kozuzayo a hlola ukuthi uzokhokhelwa, okungakwenzikuyinto hhayi indaba a hlola zakudala, ezingavela ku-akhawunti yasebhange lapho kusala inani elingaphansi kwenani le hlola. Bese sikhuluma hlola ngaphandle kwemibandela.
Kwenzekani uma isheke lenqatshwa? Ukwenqatshwa kwe-a hlola yibhange lakho ngenxa yokuntuleka kwezimali ezanele kuyisigameko sokukhokha. Kuzodingeka ukhokhe imali. Ungakwazi ukulungisa isimo ngokushesha nje lokho ibhange lakho likwazisa ngesigameko.
Uyini umehluko phakathi kwesheke eliphambanisiwe nelingaphambanisiwe?
Le hlola ibhange elivamile kuyinto ngokusobala i isheke eleqa, okuyinto, ngokungafani isheke elingaphambanisiwe : akukho iyamukeleka, ngaphandle kwenzuzo yebhange (ngakho-ke ngeke idluliselwe komunye umuntu ngokuyigunyaza); kuyinto khulula ; ihlanganisa imigqa emibili etshekile ewela inani kanye nokuhleleka kwe- hlola.
Ithini indima yesheke? i isheke umbhalo lapho umuntu ophethe i-akhawunti (ikhabethe) enikeza umyalelo ebhange lakhe noma esikhungweni sakhe sezimali (umdwebi) ukuba akhokhe lapho ebona, ukuze kuzuze yena noma kuzuze umuntu wesithathu (ohlomulayo), isamba esinqunyiwe ( ukuhlinzekwa) okufanele kukhishwe ngokushesha ku-akhawunti yakhe.
Libukeka kanjani isheke eliphambene?
Wela isheke, iwukudweba imigqa emibili ehambisanayo kuyo ukuze ikwazi ukukhishwa ngebhange noma ngesikhungo sezikweletu. Amabha ahambisanayo anamathiselwe ngaphambili, hhayi ngemuva.
Ithini indima yesheke? i isheke umbhalo lapho umuntu ophethe i-akhawunti (ikhabethe) enikeza umyalelo ebhange lakhe noma esikhungweni sakhe sezimali (umdwebi) ukuba akhokhe lapho ebona, ukuze kuzuze yena noma kuzuze umuntu wesithathu (ohlomulayo), isamba esinqunyiwe ( ukuhlinzekwa) okufanele kukhishwe ngokushesha ku-akhawunti yakhe.
Liyini isheke elivamile?
Le hlola yenkokhelo ezejwayelekile ngu esetshenziswa kakhulu isiFulentshi. … Kubizwa futhi hlola kweqiwe, kuhambisana no-a hlola okungavunyelwe, itkuyinto-ukusho kunesheke ayikwazi ukubuyiselwa quebhange hhayi ngqo kumhlomuli walo. Umgomo walokhu hlola ukuthikufanele kugunyazwe ngaphambi kokukhokha.
Ungalikhipha kanjani isheke ngaphandle kokuba ne-akhawunti yasebhange?
Ce hlola akudingi ukuthi ube ne I-akhawunti yasebhange ukukwaziukheshi ungene. Yiqiniso, kufanele nje uye ku-counter of the ibhange umkhiphi we hlola. Isamba sizobe sesinikezwa wena ngokheshi, ngqo ekhawunteni.
Ungalikhipha kanjani isheke ngokushesha eBhange Leposi? Indlela yokukhipha isheke ?
- uyibeke ehhovisi iposi ifakwe i-automaton. Isiliphu sokukhipha imali se amasheke akudingekile.
- uyibeke ehhovisi iposi ifakwe urn. Ngigcwalisa isiliphu sami sokukhipha imali amasheke :
Ngiyithumela kanjani imali kumuntu ongenayo i-akhawunti yasebhange? Uma ungenayo akukho i-akhawunti esikhungweni yasebhange ukuxhumeka, khetha i-oda leposi. Uhlome ngeImali ukheshi, kuzodingeka ugcwalise ifomu eliphuthumayo le-oda lemali. Ngokushintshanisa, uzonikezwa isihlonzi esiyimfihlo, okufanele usixhume kumhlomuli.
Ulikhipha nini isheke lasebhange?
Ngokuvamile, kuthatha amahora angu-24 kuya kwangu-48 ngaphambi kokuba idokhumenti yokukhokha yenziwe itholakale. i Isheke lasebhange isebenza unyaka owodwa nezinsuku eziyi-8 kusukela osukwini lokukhishwa kwayo. Ngalesi sikhathi, umdayisi angaseukheshi ungene ejensi yasebhange ekukhetheni kwakhe, njenge hlola zakudala.
Isheke lasebhange lisebenza isikhathi esingakanani? Iqoqo. I isikhathi de ukufaneleka kwesheke kuyinto Unyaka ongu-1 nezinsuku eziyi-8. Ngale kwalesi sikhathi, ohlomulayo ngeke esakwazi ukuyikhipha ku-akhawunti yakhe yasebhange. Ukuze ukwazi ukuqoqa isamba se hlola, ohlomulayo kufanele avume,kuyintoi.e. uyisayine ngemuva, bese uyinikeza a ibhange ngaphambi kwalo mnqamulajuqu.
Lisebenza kanjani isheke lasebhange?
Le Isheke lasebhange is a hlola edwetshwe, ngesicelo seklayenti, yi- ibhange ozobe ekhiphe inani elihambisanayo ku-akhawunti yekhasimende: inkokhelo yakhe iqinisekisiwe. Ungacela ukukhokhelwa ngu Isheke lasebhange ngezinkokhelo zenani elikhulu (imoto ngokwesibonelo).
Yiziphi izinhlobo ezahlukene zamasheke? Hlola kuqinisekisiwe, kwagxivizwa, kwanqanyulwa… the izinhlobo ezahlukene zamasheke. Umnikazi webhange angakhipha a hlola eqinisekisiwe. Hlola okuhlosiwe:hlola eqinisekisa ukuba khona kokuhlinzekwa ngosuku lwe-visa kodwa akuqinisekisi ukuvinjwa kwelungiselelo ukuze kuzuze ohlomulayo.
Yiziphi izinhlobo ezahlukene zamasheke?
Les izinhlobo ezahlukene zamasheke
- Les amasheke idluliselwe phambili.
- Les amasheke hhayi ngaphandle.
- Les amasheke ibhange.
- Les amasheke eqinisekisiwe.
- Les amasheke okokuhamba noma okomhambi hlola .
Yiziphi izinzuzo zesheke? Yiziphi izinzuzo inkokhelo nge hlola ?
- Ivumela ukulandelela okulula kokuthengiselana.
- Kwenza kube nokwenzeka ukuhlehlisa izinkokhelo.
- Igwema ukuphatha ukheshi.
- Imali okufanele uyikhokhe hlola ayivaliwe
- Inkokhelo nge hlola yamukelwa ezitolo eziningi.
- Kumahhala.
Ubani owasungula amasheke?
Ukudalwa kwe hlola eFrance. Kusukela ngo-1742, amabhange aseNgilandi asungula i- hlola : ngeke besakwazi ukukhipha ama-banknotes ngenxa yokuthi iBhange LaseNgilandi yilona elilawula ukukhishwa kwalo futhi ngenxa yalokho lidala le ndlela entsha yokukhokha.