Isitatimende okumele senziwa kuso emuva du hlola "igunyazwe ngokohlelo" kulandelwa idethi nesiginesha yakho. i hlola okunganqanyulwanga ngakho kungagunyazwa izikhathi ezimbalwa zilandelana.
Futhi, ngilikhipha kanjani isheke ngokheshi? Eqinisweni, uma wakho hlola ngempela a hlola akunqatshiwe, ungakwazi ngaphandle kwenkinga ukubuyisela isamba phakathi liquide kwikhawunta yebhange elikhiphile. Okufanele ukwenze ukuthi uzethule ebhange unomazisi futhi isamba uzonikezwa ngokushesha.
Ubani okufanele asayine ngemuva kwesheke? Umthwali we hlola ukufisa ukheshi kuyodingeka kuphela uphawu, bhala inombolo ye-akhawunti yakho ngemuva bese uyisa ebhange lakho noma uyithumele ngeposi (ikakhulukazi emabhange aku-inthanethi).
Ubani okufanele asayine ngemuva kwesheke? Ngokomthetho, kuthiwa “akunakufaneleka ngaphandle kokuthi kuzuze ibhange”. Ngakho-ke umphathi ugunyaziwe ukuthi alethe futhi avumele (sayina ngemuva bese unamathisele isiliphu) the hlola. Ngakho-ke kumelwe abe umuntu onokwethenjelwa!
Ngakho-ke, Ungaligcwalisa kanjani isheke lomthwali? Susa eyakho hlola ebhange lakho.
Indlela evamile yokugunyaza ithi: "kugunyazwe ku-oda lika-", kulandelwa idethi nesiginesha yakho. Uma ungalisho igama lomuntu ohlomulayo, ingemuva lizoba kokuthi umthwali futhi wonke umuntu angakhipha imali hlola.
Ungalikhipha kanjani isheke ngaphandle kokuba ne-akhawunti yasebhange?
Ukuze ukwazi faka isheke ngaphandle kwe-akhawunti e ibhange okhiphile, kufanele uzethule ekhawuntani yakamuva umazisi ovumelekile. Umtsheleli uyobe esekukhokhela ngokheshi.
Liyini isheke eliphambanayo elingalungiseki? Ngeke idluliselwe komunye umuntu (kuthiwa okungavunyelwe, ngaphandle kwenzuzo yebhange). Ukuqoqa i hlola, kufanele uyisayine ngemuva bese uyinikeza ibhange. Kudingeka futhi ukuthi i-akhawunti yomthumeli we- hlola ihlinzekwa ngokwanele hlola kube cashed.
Uyini umehluko phakathi kwesheke eliphambanisiwe nelingaphambanisiwe? i 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.
Ngilenza kanjani isheke elingeke likhishwe imali?
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.
Iyiphi inombolo okufanele uyibeke ngemuva kwesheke? Uma usunayo i hlola, kufanele ukugunyaze. Lokhu kugunyaza kuqukethe ukukhombisa ngemuva kwe- hlola usuku lwanamuhla, olwakho inombolo akhawunti, eqinisekisa lolu lwazi ngesiginesha yakho. Isibongo nesibongo sakho. Eyakho inombolo ye-akhawunti yasebhange.
Ngingakwazi ukukhipha isheke egameni lomyeni wami?
Isigaba 221 se-Civil Code sivumela omunye wabashadile ukubakhipha isheke egameni kokubili futhi kugunyazwe ngamunye; akukho ukuphindwa kwenkokhelo engafanele ukuze kuzuze ibhange.
Ingabe kufanele usayine isheke? Ngaphandle kwesiginesha, i hlola ayinalo inani.
Ukusho "isiginesha" okulandelwa yisikhala kukuvumela ukuthi wazi ukuthi kuphi kufanele usayine. Il ne kumele ungangeni phansi hlola.
Ingabe kuphoqelekile ukugunyaza isheke?
Khokha a hlola ngokuyisayina ngemuva kuyinto isinyathelo saziso ukuze ukwazi ukuyiqoqa. vumela isheke : a hlola kuvunyelwe kuyinto futhi a hlola ngemuva osayinile. Umehluko kuyinto qu'un hlola kuvunyelwe kuyinto ngempela a hlola hhayi ngaphandle. Eyodwa hlola weqakuyinto impela akuvunyiwe.
Ungasayina kanjani amasheke?
On uphawu ngokuvamile ezansi kwesokudla, ngaphansi kokuthi “Isiginesha”. Akumelwe ingene emgqeni omhlophe. Ekugcineni, gcwalisa i-stub noma i-checkbook stub. Qaphela usuku, ohlomulayo, inani.
Ngiligcwalisa kanjani isheke? Thina uphawu ngokuvamile ezansi kwesokudla, ngaphansi kokuthi “Isiginesha”. Akumelwe ingene emgqeni omhlophe. Ekugcineni, gcwalisa i-stub noma i-checkbook stub. Qaphela usuku, ohlomulayo, inani.
Ngibhala kanjani isheke e-USA? Ebhokisini elingakwesokudla, bhala inani ngezibalo (ngemuva kophawu lwe-$). Phansi kwesokudla siyasayina (kufanele uqagele ukuthi sisayina lapho… ngoba akubhaliwe.) futhi kwesokunxele (lapho ithi FOR), ngokuvamile sibhala ulwazi mayelana nomuntu owenza hlola njengenombolo yakhe yocingo.
Ngilithumela kanjani isheke ngeposi?
Nginga thumela isheke ngeposi ? – Encwadini ilandelwe ukulandela umzila wayo; - Ngencwadi ebhalisiwe evuma ukuthi uyitholile ukuze ube nobufakazi bediphozithi kanye nerisidi.
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 :
Ungagunyaza kanjani isheke elingekho egameni lakhe?
e le icala lediphozithi hlola kwabanye, kuvela umuntu wesithathu ekushintshanisweni: le "iqembu lesithathu", okungukuthi le umphathi we hlola kodwa hhayi eyakhe umzuzi. Le ophethe kufanele abe negunya elibizwa nge-bank power of attorney elimgunyaza ukuthi enze imali isheke.
Yini okufanele uyenze ngesheke lakho elingavumeleki? Zingafakwa ukheshe kuphela ngumzuzi ogama lakhe libhaliwe, egatsheni lasebhange. Singangeza okukhulunywa ngakho ngemuva “ isheke elingavunyelwe ", kodwa elula, uma hlola ayinqanyulwa lapho inyatheliswa yibhange, ukudweba imigqa ehambisanayo etshekile ngakwesokudla.
Kungani unikeza isheke eliphambene?
Le isheke eleqa yaqala ukusetshenziswa eFrance ngo-1911 ukuvikela umthumeli uma kwenzeka ukulahleka noma ukwebiwa kwe- hlola. Ngakho-ke, ngaphandle kwezimo ezithile ezingavamile, zonke amasheke ezihlinzekwe yibhange zivinjelwe ngaphambilini. Ukuwela kwenziwa ngemigqa emibili ehambisanayo ekhoneni elingaphambili.
Ubani ongakhipha isheke eliphambanayo? i isheke eleqa ne unga kube cashed lokho ngomuntu qui une-akhawunti yasebhange. Lolu hlobo hlola ayidluliseki: kuphela umuntu ogama lakhe livela engxenyeni "yozuzayo" ye hlola uzokwaziukheshi ungene.