Izibalo kuhlola

Xa izibalo mihla kwezomnotho iitshekhi uphethe indawo ebalulekileyo ebomini bethu kunye nemisebenzi ngamashishini ahlukahlukeneyo. Zisetyenziswa ekuphunyezweni yokuthengiswa kwempahla zentengiselwano zemathiriyeli, imiba kwiimfuno zoshishino kuhlawulwe mbutho. Ngokubanzi, lo mthetho uyilwayo - oku okhethekileyo ukhuseleko. Ngenxa kwibhanki yakhe kufuneka ahlawule isixa ezichaziweyo layo. Ngenxa yoko, iitshekhi izibalo zibonisa ukuba amalungu alandelayo misebenzi:

- sobunyani (nokuba umntu okanye iqumrhu elisemthethweni ukuba imali kwi-akhawunti ebhankini);

- ngqo ebhankini ukwenza iintlawulo;

- ngumnini setsheki (umntu owenza ngetshekhi ebhankini ukuze ahlawule).

Kunyanzelekile ngonqabiseko lufuneka ukuze ucacise igama "khangela", isixa sentlawulo, igama Umhlawuli kunye akhawunti yangoku ufuna ukusuka apho ukwenza intlawulo. Okubalulekileyo kunye imali, kwaye qiniseka ukuba babeke umhla xwebhu. Zifuna kunye nomsayino yomnini. Xa kungekho nayiphi na iinkcukacha ngentla, isibambiso ulahlekelwa amandla ayo. Xa itshekhi awuqulathanga i indawo yokuxhoba yayo, kukholelwa ukuba isayinwe kwindawo ekuyo le drowa.

Le Umhlawuli kufuneka ahlawule itsheki kwi imeko kolwalo, yaye imiqathango emiselwe ngumthetho. Ibhanki kufuneka uqinisekise sokunyaniseka iphepha, nokuba loo mntu emisa oko, umntu ogunyazisiweyo. Izibalo zeetshekhi nendlela ziya kulawulwa yi Art. 877-885 koMgaqo Civil kunye neminye imithetho echaphazelekayo kunye nemimiselo zebhanki. Isiqinisekiso lwentlawulo inokuba okwenyaniso, elinikwa nawuphi na umntu, hayi kuphela Mhlawuli. Itshekhi kufuneka icacise lowo nalowo kokuba ikhutshwe. Ukuze wenze oku, amazwi athi, "njengoko aval".

Kukho iindidi ezahlukeneyo izibalo ngeetsheke:

- elenzelwe ukuhlawula (ukususwa) kwemali evela kwingxelo kokha (incwadi khangela ikhutshwa ngexesha lokuvula i akhawunti);

- iitsheki, esebenzisa apho kukho yingqiqo kweentlawulo ikheshi.

Kwimeko yokuqala, izibambiso asetyenziswa ukurhoxisa imali ukuze ukuhlawula imivuzo okanye ngeendleko zokuhamba kunye nezinye iimfuno zombutho, njl Ukubala kuhlolwe kwakhona zingasetyenziswa ukuqhuba imicimbi zoshishino phakathi kwemibutho iqabane ngokusebenzisa intlawulo ikheshi. Ke ibhanki iya afake imali eyimfuneko kwi / c le Mhlawuli. Ngelo xesha umhlawuli lombutho intengiselwano ishishini sithumela itshekhi ekhutshwe yi umthengisi. Ngenxa yoko, kumniki-umnini setsheki kwisithuba seentsuku ezilishumi kufuneka angenise security ukuba imali ebhankini kwi-akhawunti yakhe ukuhlola. Kulo mzekelo, ibhanki umthengisi kuqala libala imali efunekayo, uze kuphela edlulisela amaxwebhu ayimfuneko ebhankini uyinikezelwayo ukubhala-off imali efunekayo kwingxelo umthengi ngqo. Ezinye iimali kwi kwi-akhawunti yebhanki ehambelana umthengi lowo. Elokuqukumbela, ibhanki othengayo kaThixo idlulisela imali umboneleli-bank.

Ngendlela lithetha intlawulo ikheshi kusetyenziswa imali odolo (calculations iingqokelela) ukuba bamele imisebenzi ejolise ekufumaneni kwibhanki (egameni kwaye, kakade, xa ngeendleko client) intlawulo evela Mhlawuli. Bangakwazi wenziwe ngaphandle kwemvume (imvume) okanye kunjalo.

Ndimele ndithi namhlanje ubukhulu becala nemfuno uhlobo olunye zeetshekhi. Oku njalo kuxokwa-iitshekhi yebhanki (okanye indlela). Bona ziyindlela elula lwentlawulo xa kusiyiwa phesheya (njengoko kungekho ngxaki kwaneso lwemali zwe, akukho miqobo ngaphandle kwabo), kwakunye yokugcina ukhetho ethembekileyo imali yayo.