Ngaba Ungasayina i-Check Over to Someone?
Indlela yokwenza
Ukusayina isheke phezu komnye umntu, qinisekisa ukuba ibhanki iya kwamkela isheke, uze uvumele umva wekhenkethi uze ubhale "Hlalela umyalelo kaJohn Doe." Sebenzisa igama lomnye umntu endaweni kaJohn Doe.
Emva koko, dlulisa isheke kwilo mntu ukuze bakwazi ukufaka okanye ukuhlawula isheke.
Ngaba iBhanki iya Kuvumela?
Amabhanki angenako ukuvuma ukufumana iitsheki ezityinwe kwiqela lesithathu (oko kukuthi, umntu ngaphandle kombhali wokukhangela kunye ne -original payer ). Kusemthethweni ukuzama, kodwa iibhanki azidingeki ukuba zihloniphe imiyalelo yakho. Bangaba nemigaqo-nkqubo malunga nalo mkhuba, okanye banokucinga ukuba inkcazo yesithathu ibhentshi ebomvu - ngoko baya kwenqaba ukufaka okanye ukukhangela imali.
Buza ngaphambi kokuba uvunyelise: Ukuba ugxininisa ukukhangela isheke phezu komnye umntu, bahlole ukuba bahlole i-bhanki ngaphambi kokuba uvumele isheke. Awufuni ukongeza izityinwe zamagama kunye namagama kwimva yetshekhi (eya kudala ukudideka kunye nokulibaziseka kwindawo elandelayo uzama ukukhatyula inkcazo). Fumana ukuba kuvunyelwe kwaye zeziphi iimfuno. Umzekelo, izinto zingahamba ngokugqithiseleyo xa uye ebhanki kunye nomntu obeka isheke (kuletazisi, ngokuqinisekileyo) ngoko ibhanki inokuqiniseka ngakumbi ukuba akukho nto i-fishy eqhubekayo.
Iibhanki zinika imali yakho komnye umntu xa usebenzisa le ndlela. Ngelishwa, umngcipheko uvame ukuba mkhulu kubo ukuba bamkele. Abakwazi ukuqinisekisa ubungqina bakho okanye uphawu lwakho - kufuneka bathathe ilizwi leqela lesithathu.
I ziNgcono
Ukutyikitya isheke phezu komntu akusiyo isisombululo esihle, kwaye ngamanye amaxesha akukona nje ukhetho.
Ezi zicwangciso ezingezantsi zinokuthi zibe zihamba ngokukhawuleza kunokuvumela ukukhangela isheke kumnye umntu, kodwa ubuncinci ungaqiniseka ukuba baya kusebenza.
Ukuba ufuna ukuhlawula umntu ngemali oyifumene ngetekisi, zama ukufaka imali okanye ubeke isitshekishe ukuba ukhuphe nayiphi na i-hassles. Unako ukufumana imali yokuqala ye-200 engama- shishini ngosuku olunye lweentsuku (okanye i-$ 5,000 yokuqala ukuba uyitshini yokukhangela imali ). Kukho iindlela ezininzi zokuthumela imali kwi-intanethi mahhala, kwaye ezo ndlela zinokuba lula kakhulu kunokudansa malunga nemigaqo-nkqubo yebhanki.
Ukuba awunayo i-akhawunti yebhanki okanye nayiphi enye indlela yokusingatha ukuhlola, vula i-akhawunti. Ewe, iibhanki zinokuhlawula imali, kodwa kungabi ne-akhawunti mhlawumbi ibiza iindleko ezininzi - ngexesha kunye nemali.
Kukho iindlela ezininzi zokufumana i-akhawunti ikhululekile, ngokukodwa kwiimanyano zesikweletu zendawo kunye neebhanki ze-intanethi.
- Awuzange usebenzise i-credit union? Funda indlela asebenza ngayo .
- Bona iinketho zakho zokufumana ukukhangela kwamahhala .
- Fumana ukuba kutheni kufuneka uzame ibhanki kwi-intanethi .
Ukuba akukona nje ukhetho lokuvula i-akhawunti yasebhanki, unokuzama inkonzo yokukhangela isheke, kodwa ezo ntlawulo ziphezulu kakhulu. Izitolo ezininzi zithengiswa ngokuchithwa kwemali ngokukhululekile , ngokukodwa ukubuyiselwa kwembuyekezo yerhafu.
Ukuba ibhanki yakho ayinakwenzeka , iindlela ezimbini ezingezantsi zingenza ubomi bakho bube lula.
- Ifowuni isheke idiphozithi ikuvumela ukuba uthathe umfanekiso wesheke- rhoqo ukuya kude kube ngukuhlwa ukuze ube yi-deposit day-day. Emva koko unako ukurhoxisa imali okanye ukuthumela imali ngekhompyutha.
- Abathengi bemanyano yabatyala banokusetyenziswa kaninzi ngamasebe eminye imibutho yamatyala (becinga ukuba bathatha inxaxheba kwinkqubo yenethiwekhi ekwabelwana ngayo).
Ukuba ibhanki yakho ayinikezeli idiphozithi yeselula (okanye ufuna isisombululo esincinci), amakhadi e-debit akhokhelwayo angahlangabezana neemfuno zakho. Mane uqaphele ngamakhadi aphezulu.
Ukuba uzama ukuhlawula ngaphandle kwemali kuba uxhala malunga nobusela (kwi-imeyile, umzekelo), bhala isheke okanye uhlawule nge-oda yemali endaweni yoko .
Ukuxhomekeka kuHlola omnye umntu
Ukuba umntu ucela ukuba ubeke itekethi ebhaliweyo kubo, cingisisa ngaphambi kokuba wenze njalo. Ubeka ingozi imali yakho (kunye nokuma kwakho ebhankini) ukuba uyavuma.
Ukuba isheke liqhubela nayiphi na isizathu, ibhanki yakho iya kufuna ukuba ufakele imali, nangona iteksi ibhalwa kumhlobo wakho - ngomnye umntu ngokupheleleyo - kwaye wenza nje uthanda.
I-akhawunti yakho iya kuphazamiseka, okanye imali iya kuthathwa kwi-balance yakho ukuba isheke esibi. Ungazama ukuqokelela imali kwi "wakho mhlobo," kodwa oku kudla kunzima (kwaye ngamanye amaxesha abantu abangabaziyo bakuthetha ukuba uhlawule isheke njengenxalenye yenkcazo).
Isiqaphelo se-Scam: Unokulahlekelwa njani imali ngokunceda umntu? Ibhanki yakho iya kukuvumela ukuba ufumane imali kwikhenkishe ngokukhawuleza (okanye imali iza kubonakala kwibhalansi yakho ekhoyo , okwenza kubonakale sengathi ungayichitha yonke loo mali ukuba ufuna).
Kamva, ibhanki yakho iyakwenza isheke kwaye izama ukuyiqokelela imali. Kungathatha iintsuku okanye iiveki kwibhankini yakho ukuba ifumane ukuba isheke sichasene, ngoko ke unganiki imali ngaphandle kokuba uthembele ngokuqinisekileyo kumntu oncedisayo.
Ngelishwa, ukuba uhlawula isheke kumnye umntu kwaye isheke sibi, akukho mntu (njengebhanki yakho) uza kukubuyisela. Uya kufuneka ucele loo mntu - ukuba unokumfumana - kwaye mhlawumbi ulethe isenzo somthetho ukuqokelela imali.