Indlela yokuHlola iMisebenzi yokuThambisa
Indlela yokuHlola iMisebenzi yokuThambisa
Xa wenza inkokhelo ngetshekhi, imali ayiyikushiya i-akhawunti yakho ngokukhawuleza xa ubhala isheke (ngaphandle kokuba usebenzisa i- intlawulo ye-bill ye-intanethi kwaye ibhanki yakho ithatha imali ngokukhawuleza).
Kunoko, ummkeli kufuneka afake (okanye imali) isheke. Nangona emva kokutshekisha isheke, kungathatha ixesha lokuba imali ichithwe kwi-akhawunti yakho, ngoko unokuba neentsuku eziliqela zokuhamba.
Umzekelo: ubhala isheke malunga nomyinge wakho okanye urenti uze uyiphonsa ngeposi. I-payer iyakutyala i- akhawunti yakho - ukhoyo ngoku kwiintlawulo zakho nje ngokuba isheke lifike ngexesha. Ngokulandelayo, inkampani yakho yokubolekisa ibeka isheke ngokuyithatha ibhanki (ukuzisa isheke kwisebe, ukuthumela i-batch checks, okanye ukubeka isheke ngokude ngokuthatha umfanekiso wesheke ). Ibhanki yabo iya kucela imali kwi-bhanki yakho, kwaye ibhanki yakho iya kuthatha imali ngaphandle kwe-akhawunti yakho yokujonga.
Kukho iindlela eziliqela ukuba le nkqubo ilibazisekile:
- Ukuthunyelwa kweposi kuthatha iintsuku eziliqela
- Ummkeli angalinda olunye usuku okanye ngaphezulu ukuba afake isheke
- Ibhanki yommkeli ingathatha usuku (okanye ngaphezulu) ukucela imali kwi-bhanki yakho
Ukusetyenziswa kakubi Hlola i-Float
Xa ubhala isheke, uvumelekile ukuba ube nemali ekhoyo kwi-akhawunti yakho ukuhlawula intlawulo. Nangona kunjalo, ukuhlola kungabonwa ngokukhawuleza (nangona kunokwenzeka , kwaye inkqubo iyaqhubeka ihamba ngokukhawuleza). Ngenxa yoko, ungase ubaleke "udlala i-float" xa ubhala isheke phambi kokuba ufumane imali.
Mhlawumbi uyazi ukuba kuya kuthatha ixesha lokuba inkokhelo iqhutywe, kwaye uyazi ukuba i-paycheck yakho iya kufakwa okwangoku. Ngaphandle koko, unokuceba ukufumana (kunye nokufaka iifake) ukuhlola kwabanye - enethemba lokuba nabani na owamkele iitsheki zakho baya kuphuza ukuyibeka.
Kwixesha elidlulileyo, kwakulula ukuwasebenzisa ixesha lokuhamba. Ngoku, kulula ukubanjwa, kwaye imiphumo ibandakanya iintlawulo kunye neentlawulo, ubunzima bezomthetho, kunye nomonakalo kwikhredithi yakho .
Ukucwangcisa ngokukhawuleza
Hlola u-21: ngo-2004, iCongress yadlulisela ukuCoca ukuCoca kwe-21st Century Act ( ezaziwa ngokuba yi-Check 21 ). Lo Mthetho uvumela iibhanki ukuba zisebenzise iinguqu zeekhompyutheni zokuhlola ukuqinisekisa ukusebenza ngokufanelekileyo . Abayithumeleli iphepha lihlolisane kwakhona - basebenzisa isicatshulwa sokutshintsha . Ukutshekishwa kwakhona kwezinto eziyimifanekiso yephepha lakho elidala lokuhlola, kodwa zijongwa njengegunya, kwaye zingasetyenziselwa ukukhipha imali kwi-akhawunti yakho.
Ukuguqulwa kokutshekisha kwikhompyutheni: ukuhlola okunikezelayo kubathengisi banokuqhutyelwa ngokukhawuleza. Xa umntu egijima isheke sakho ngeteksi yokufunda kwinqanaba lokukhangela, ithekishe ingatshintshwa ibe yintlawulo yekhompyutha , oku kuthetha ukuba akufuneki ukuba ihlolwe kwibhanki.
Ukuqhutyelwa kwebhanki ngokukhawuleza kuthetha ukuba uza kuba nexesha elingaphantsi lokufumana imali kwi-akhawunti yakho yokujonga. Nangona usenokuba neveki okanye ngaphezulu kwiintsuku ezindala, iteknoloji yatshintshe izinto kakhulu .
Imali, iMirhumo, iMirhumo
Ukuba ufumana iireki, uya kuhlawula iimali: ibhanki yakho kunye ne-payee yakho iya kuhlawulisa.
Ukukhuselwa kwe-Overdraft: ibhanki yakho inokubheka isheke ukuba unesicwangciso sokukhusela i-overdraft kwi-akhawunti yakho, kodwa kuya kuhlawulwa. Iimali ziye zanda ngokuqhubekayo ngaphezu kweminyaka, kwaye unokulindela ukuhlawula imali engama-30 okanye ngaphezulu kule khuselo.
I-NSF: ukuba awunakho ukukhuselwa kwe-overdraft kwi- akhawunti yakho yokutshekisha , ibhanki yakho iya kuhlawulisa umrhumo wemali engenakwaneleyo - kwaye iya kukhanyela inkokhelo kwintlawulo yakho.
Iitshekhi ezibuyiselweyo: ukuba ufumana isheke kwaye ibhanki yakho ayiyi kuhlawula, ubhekane nemirhumo emininzi.
Okokuqala, umvuzo wakho unokuhlawula umrhumo "we-check back". Unokufuneka uhlawule umrhumo wentlawulo emva kwexesha ukuba awukwazi ukuhlawula usebenzisa indlela eyahlukileyo ngaphambi kokuhlawulwa kwakho kwentlawulo.
Ezinye Iingxaki
Ngokuxhomekeke kwindlela yoshishino obhala isheke kuyo, izinto zingaba nzima. Iinkampani ezininzi zokubambisa i-mortgage aziyi kukhankanya kwikhaya lakho xa ufumana isheke, kodwa banokunika ingxelo ngeentlawulo ezigqithisileyo xa uwela kwiintsuku ezili-30 emva kweentlawulo. Ukongezelela, ukubetha isheke kungase kube ukuphulwa kwesivumelwano sakho, esibangela iingxaki ezahlukeneyo.
Amanye amakhampani ekhadi lamakhredithi aya kunyusa izinga lakho (okanye ususe nayiphi na ixabiso lentengiso ) ukuba ufumana isheke okanye uhlawule ngokukhawuleza. Ezinye iinkampani zamakhredithi ekhredithi ziyakwazi ukujoyina kwi-frenzy yokutya xa unesigatshana esingagqibekanga .
Ekugqibeleni, unokuphela kwiinkcukacha zabantu abanembali yokubhala ukuhlola okubi. I-ChexSystems kunye nezinye iinkampani zokubika iingxelo zabathengi zigcina ingqalelo yabantu abavuna ukuhlola kwaye bahambe kakubi kuma-akhawunti abo. Ukuba ufumana idumela lokungaxanduva, iibhanki kunye nabanye abafuni ukukwenza ishishini nawe. Abathengisi abasebenzisa iinkonzo zokuqinisekisa iitshekethi banokungavumi ukuba bamkele iitsheki kuwe.