Isibhengezo sentlawulo yemali. Yintoni na?

Iqumrhu ngalinye lomthetho, kunye nomrhwebi ngamnye oqhuba ishishini labo kwintsimi yaseRashiya, kufuneka avule i-akhawunti yakhe kunye nebhanki. Kwixesha elizayo, ngaye, yonke imisebenzi ehambelana nokuhamba kwemali yabaxhasi iya kwenzeka. Ukuthengiswa kwezimali ezinjalo kubandakanya ukudluliselwa kweemali ngokwemigaqo yeentlawulo, iintlobo ezahlukeneyo zengeniso, ukubhalwa kweekomishoni zokubonelela ngeenkonzo ngenhlangano yentengiso, njalo njalo.

Umxhasi unako ukukwazi ukulungisa iakhawunti kunye neentlawulo zayo zombini ezivela kwiimali ezixhaswe kuye kwi-oda engekho imali, kunye nokuzaliswa ngokuzimeleyo kwe-akhawunti. Ukwenza oku, kufuneka enze isimemezelo ngenkokhelo yemali. Olu hlobo lunexwebhu linesimo esifanayo kunye nesethi yemfuneko efunekayo. Ubhaliso lwayo kufuneka luhambelane ngokungqinelana nemimiselo echazwe kumaphepha omthetho. Eli phepha lenzelwe ukunika inkundla esemthethweni (okanye i-IP) ukuba idibanise ngokukhululekile imali kwiakhawunti yayo evuliwe ngenhlangano yentengiso.

Isibhengezo sentlawulo yemali yiphepha lephepha elinamalungu amathathu. Ngokubanzi, la malungu afana omnye komnye, kodwa nangona kunjalo unemiba ethile. Kule meko, inxalenye nganye inegama layo elithile: irisidi, isimemezelo kunye nomyalelo.

Iyokuqala ihanjiswa ngqo kumthengi ngokusayinwa kwe-cashashi kunye nomntu onoxanduva lokuthengiselana, ukwenzela ukuba iqumrhu elisemthethweni (okanye i-IP) linalo ukuqinisekiswa kwedipozithi yemali ethile.

Ukumenyezelwa kwepasithi yemali kufuneka kube nesayineli yomnini we- akhawunti yangoku. Yifakwe kwicandelo lesibini lexwebhu. Isibhengezo sihlala kwiirejista yemali kwaye kamva kufakwa kwiimviwo zomhla wokusebenza.

Umyalelo uya kubanjelwa kwingxelo yeakhawunti kwiakhawunti yomthengi, ukuze le ntsebenzo yokwenza imali iqinisekiswe ngokusemthethweni.

Isibhengezo sokuhlawulwa kwemali (ifom edlalwa ngabaqeshwa beziko lekhredithi njengesampula) ingenziwa ngokuthe ngqo ngumnini we-akhawunti yangoku okanye umntu ojongene nebhanki. Nangona kunjalo, kukufanelekile ukukhumbula ukuba inkonzo yokucwangcisa lo mbhalo ayiyi kukhululeka. Imali yekhomishini iyahluka kakhulu kuxhomekeke kwiirhafu ezivunywe yintloko yeziko lemboleko .

Isimemezelo sokuhlawulwa kwemali senziwe ngokubhaliweyo ngumthengi, kwaye ngekhompyutha. Into ebaluleke kakhulu kukugcina zonke iziqhelo zokuzaliswa. Ukuchaneka kwazo zonke iinkcukacha ezifakwe kwiphepha lihlolwe kuqala ngumphathi webhanki, kwaye ivunyiwe yintloko yesebe okanye iyunithi, kwaye ekugqibeleni idlula ukulawula kokugqibela ngu-cashier. Xa kwenzeka ukuba kukho impazamo, umthengi unyanzelekile ukuba aphinde aphinde abhale kwakhona yonke idokhumenti, kuba izilungiso, izilungiso kunye nezinye iinguqu azivunyelwe kuyo.

Ukumenyezelwa kwepasithi yemali kubonisa enye yeentlobo zeerithi. Ngoko ke, eli xwebhu kufuneka libe nolwazi olufanayo. Umzekelo, ikhowudi apho isiseko sokufumana imali kwi-akhawunti yebhanki kumthengi webhanki ibhalwe ngekhowudi.

Inkqubo yokubhaliswa kwaloo xwebhu ivunyiwe ngokusemthethweni kwaye igxininiswe ngamaphepha olawulo. Oku kwenziwayo ukuqinisekisa ukuba isikhungo sekhredithi sinombono ocacileyo wemvelaphi yemali eya kwi-cashashi yayo. Emva koko, ngokungafani nabantu, imibutho kunye nabashishini ngabanye abanako ukuzalisa iakhawunti yabo ngaphandle kwesizathu esicacileyo. Ukongezelela, ngabaqeshwa kuphela abasebenza ngokusemthethweni kwi-shishini banelungelo lokufaka isandla kwiSebe lemali yebhanki. Isimemezelo sentlawulo ye-deposit iqulethe ulwazi lomntu lomntu ozalisa i-akhawunti (igama elipheleleyo), kunye nesiginesha sakhe.