Iitshekhi sele zijikeleze ixesha elithile, kodwa oko akuthethi ukuba kulula ukuyiqonda. Ingaba uhlawula isheke, ukwenza intlawulo, okanye ukumisa idiphozithi ngqo, kufuneka ufunde ukuba ufunde isheke. Xa usujongene nohlolo oluthile, kufuneka kube lula ukufumana nayiphi na inkcazelo oyifunayo.
01 Yintoni Ukujonga Kukubonisa?
Ukuze ufunde oko kukukhangela itekisi, sebenzisa umfanekiso njengesikhokelo. Inombolo nganye ebomvu ichazwe ngokufutshane ngaphantsi, kwaye unokuklikha kwiintloko ezingezantsi ukuze ufunde inkcazelo engakumbi.
Ukuba uzama nje ukubhala isheke, jonga isifundo sethu sinyathelo-nanyathelo (kunye nemifanekiso epheleleyo).
1. Ulwazi lomntu siqu : le ngcaciso malunga nomnini we-akhawunti yokukhangela. Imali iya kuphuma kwi-akhawunti yomntu (okanye i-akhawunti yoshishino, ukuba isheke livela kwishishini elifana nomqeshi okanye inkampani yomshuwalense). Ukuba ufuna ukuqhagamshelana nombhali wokukhangela, uya kufumana ulwazi loqhagamshelwano apha. Ngamanye amaxesha inombolo yefowuni ivela apha, kodwa kungekho rhoqo. Kwakhona kunokwenzeka ukuba uya kufumana ulwazi lomntu olubhaliweyo ngesandla kule ndawo (i-cashashi ingadinga inombolo yefowuni okanye inombolo yelayisensi yomqhubi ukuze yamkele isheke).
2. Umgca wesikhokelo : oku kukuxelela ukuba ngubani obhekiselwe kuyo okanye ngubani oza kufumana iimali-enethemba lokuba nguwe. Kufuneka ifake igama lomntu okanye ishishini eligunyazisiweyo ukuba afake isheke okanye imali. Kwezinye iimeko, iteksi inokuhlawulwa kwi "Cash" - oko kuthetha ukuba kuninzi umntu onokuyifaka okanye ayikhekhe imali.
3. Ibhokisi yeli dola : le ngxelo engabalulekanga malunga nokuba ingakanani isheke. Inani lokukhangela libhalwa ngokusebenzisa amanani (endaweni yamagama, oya kubona kwi # 4) ukuze ukwazi ukukhawuleza kwaye ufunde ukuba ingakanani isheke. Nangona kunjalo, ukuba icandelo # 4 linombolo eyahlukileyo, ibhanki kufuneka isebenzise isixa esibhalwe ngamagama.
4. Imali yetshekethi : le mali iyimfuneko yesheke. Eli candelo, ebhaliweyo usebenzisa amagama, kunokwenzeka ngaphezu kwebhokisi yeli dola ukubonisa ukuba umbhali okhangeleleneyo uzimisele ukuhlawula ngokwenene-ngoko ke unelungelo elisemthethweni lokuba ngumvuzo. Nangona kunjalo, uya kufumana kuphela loo mali ukuba isheke sivumelekile kwaye umbhali wokukhangela unemali eyaneleyo ekhoyo. Ngamanye amaxesha abantu banyathelisa ukuhlola okubuqhetseba , kwaye kunokuthatha ixesha elithile ukuba ibhanki yakho ibone ukuba uphitshisiwe (ngoko ungayisebenzisi imali ngaphandle kokuba uqinisekile ukuba kuya kuba khona).
Umgca weMemo : le yithuba lesiphi na ulwazi olongezelelweyo umlobi wokukhangela ufuna ukubandakanya. Inokuthi ichaze ukuba yiyiphi intlawulo ("July Rent") okanye iquka inkcazelo yenkcazelo njengenombolo ye-akhawunti.
6. Umgca womhla : oku kufuneka kukuxelele xa itekshi ibhaliwe - kwaye kwiimeko ezininzi ziyakukufumana oko-kodwa abanye abantu "abahamba phambili" bahlola (ngokubeka umhla ozayo kulo mgca). Xa ufunda isheke, lo mhla awukuxeleli ukuba uvumelekile ukuba uyifake. Nangona kunjalo, ukuba isheke sihamba emva kwexesha, mhlawumbi isizathu sokuba oko, ngoko yinto efanelekileyo yokuthetha nombhali wokukhangela. Kwakhona kubalulekile ukuqinisekisa ukuba isheke asikho mdala - khangela nantoni na efana ne "Ukungabi nalutho emva kweentsuku ezingama-90" okanye umhla wokukhupha owenziwe ngaphezu kweenyanga ezintandathu ezedlulileyo.
Umgca wokutyikitya : oku kubonisa ukuba ngubani wasayina isheke. Ukuba akukho sityikityo kwitshekethi oyifumeneyo, qha ga mshelana nombhali wokutshekisha - unokuba neengxaki zokufaka isheke, kwaye ibhanki yakho inokukuhlawulisa iirhafu ezongezelelweyo ukuba isheke asivunyelwanga. Kwezinye iimeko (ukuba uhlolisisa ukuthengiselana kwi-akhawunti yakho, umzekelo), uza kubona iikoki ezingenawo utyikityi, kodwa kunoko ziquka umyalezo othi "Akukho Tyikityo Efunekayo." Lezo zinto ziyimpawu ozenzayo avunywe kwi-intanethi okanye ngefowuni; Ukuba awukhumbuli ukugunyaza intlawulo, qha ga mshelana nebhanki yakho.
8. Ulwazi loqhagamshelwano lwebhanki kunye / okanye uphawu: oku kukuxelela ukuba yiyiphi ibhanki okanye umanyano weentengo zemali eziza kuvela. Yibhanki apho umbhali wokukhangela eneakhawunti yokujonga. Ukuba ufuna ukuhlawula isheke kwaye ufumane imali epheleleyo, unokufuna ukutyelela ibhanki (okanye isebe lendawo) ukuba wenze njalo. Unokufaka kwakhona isheke okanye uzame ukuyifaka kwibhanki yakho, kodwa ibhanki yakho inokuhlawula kuphela inxalenye yesheke kwaye ibambelele kuyo yonke into.
9. I- ABA inombolo yokuhamba : le "idilesi" esetyenziselwa ukufumana ibhanki yombhalisi. Ukuba ubhalisela idizithi ngqo okanye i- ACH iintlawulo , uya kufuneka le nombolo. Nangona kunjalo, akunakunceda ukwazi umntu othile we- ABA inombolo. Kutheni le manani ibonakala ehlekisayo? Zilungiselelwe ukuba zifundwe yikhompyutheni (ziprintwe ngeksi elimangalisayo, kwaye kwimashumi eminyaka edlulileyo, iikhomputha zikwazi ukufunda kuphela iireki ngokusebenzisa ezo manani ezilula ukuzibona).
10. Ukuhlola inombolo ye-akhawunti : yile nombolo ye-akhawunti eziza kubakho imali. Kwakhona, kungenokwenzeka ukuba ungene ngemvume kwiintlawulo zekhompyutha, kodwa ngokungekho nto oza kuyifuna ukuba wazi ukuba ufumene isheke: ibhanki yakho kunye neebhanki yombhenkethi uya kusebenza kunye nenombolo ye-ABA kunye nenombolo ye-akhawunti emveni kwenkqubo.
11. Khangela inombolo : oku kuchonga isheke esithile osibambe. Kwiimeko ezininzi, inombolo ye-ABA kunye nenombolo ye-akhawunti zifana naso sonke isheke esetyenziswa ngumlobi. Ukunciphisa ukudideka, inombolo yetsheke iphinde iphrintiwe kwisheke nganye ukuze uncede ukugcina izinto ngokuchanekileyo. Ukuba ufumene iintlawulo ezininzi ukusuka kwirejista efanayo yokujonga, kunokuba luncedo ukuphawula inombolo yokukhangela kwiirekhodi zakho. Ngokufanayo, yinto efanelekileyo yokwenza irekhodi nganye ngetekethi obhalayo (kubandakanye nenombolo yokukhangela) kwirejista yakho yokukhangela . Izinombolo zokutshekisha ezantsi (ezifana no-101) zibonisa ukuba i-akhawunti yokukhangela iyintsha, ngoko sebenzisa ukuqaphela xa ufumana ezi zihloli.
12. Inombolo yebhanki yebhanki : le yinye ifomathi ye "dilesi" apho amabhanki angayisebenzisa xa kuhlawulwa iintlawulo. Oku akuyiyo into oyisebenzisayo.
Umva wekhenkethi (engaboniswa) : nabani na abafaka okanye bachithwe isheke baya kubonisa (okanye " vumela ") emva kwetshi. Njengoko isheke licutshungulwa, iibhanki ziya kunqamanisa ulwazi kwikhenkethi, zishiye irekhodi yexesha kunye nalapho ikhonkco iphathwa khona.
02 Izibonakaliso Zokukhwabanisa
Ukuba unenkxalabo malunga nokutshekisha, jonga ngokukhawuleza iimpawu zobuqhetseba. Okokuqala, qaphela ukuba ingotshe inayo nayiphi na into ekhuselekileyo ebhalwe ngasemva (ukuba ayifuni, uqala ukuqala kakubi). Emva koko, hlaziya nganye yezo mpawu ukuqinisekisa ukuba zikhoyo. Ngokomzekelo, bamba iglasi yokukhulisa kwaye ujonge i-microprinting .
Iinyhekiti ezininzi ezisemthethweni zinyatheliswa kwiphepha eliphezulu kunye neendlela zokukhusela (inki izakutshintsha umbala okanye ukukhwaza xa kukho umntu oguqula isheke). Ukuba isheke lakho linemiphetho enzima njengokuba isinqunywe ngeesisi okanye ziqhekeke kunye neengxaki, kukho into enokuyikrokra ngayo.
03 Ukuqikelela ukuba kuya kukhwela
Kunzima ukuxelela ukuba isheke liza kubetha uze udibanise kwaye uvumele ibhanki yakho iqokele imali. Emva koko, uya kubona ukuba i-akhawunti ayinalutho okanye ufumane isheke eselebiwe kodwa loo nkqubo ingathatha iiveki ezimbalwa .
Kungenzeka ukuba ubuze ibhanki yombhali wekhenkethi ukuba imali ikhona kwi-akhawunti ngaphambi kokuba ubeke isheke. Ngeke uhlale ufumana impendulo, kodwa ufanele uvavanyo. Unako ukubiza umnini-myalelo we-oda ukuze uthole ulwazi olufanayo.
Ukuze uthole iinkcukacha ezichanekileyo malunga nokuhlola, jonga indlela yokuqinisekisa iiNgxowa kwi-Check . Ngolwazi lwemyalelo ye-oda, jonga njani Ukuqinisekisa iNdiwulo yeMali .
Ukuba ukwamkela iitsheki njengenxalenye yoshishino lakho, ungabhalisela kwakhona iinkonzo ezihlawulwayo zokukhangela iinkcukacha zokuhlola okubi kunye neefowuni zokuvavanya. Ezi zitshekishe iinkonzo zokuqinisekisa zinokuqinisekisa ukuba ukuhlawula xa isheke lihlawula emva kokuba uqinisekisile.