Ziziphi iIzitshixo zobuqu?
Njengazo zonke iisesheke, ukuhlolwa kwamanye amaqhosha asemaphandleni asetyenziswa ukuhlawula.
Ugcwalisa ulwazi malunga nowafuna ukuhlawula, unikele isheke, kwaye ibhanki yakho ekugqibeleni ithumela imali kwi-akhawunti yommkeli ngekhompyutha.
Uhlolo lomntu luhlawula kwii-akhawunti ze- siqu - azixhunyiwe kumashishini, oorhulumente, okanye eminye imibutho. I-akhawunti yomntu i-akhawunti yinto yomntu okanye abantu abaningana (njengomtshato wesibini esitshatileyo, umzekelo).
Kutheni le mibuzo
Iitshekhi zingasetyenziswa ukuhlawula phantse nantoni na. Ngethuba nje ummkeli (okanye umvuzo) uyavuma ukuba amkele isheke, yiyo yonke into ebalulekileyo. Ukuba uthengela ukutya, uhlawule iiprimiyamu zomshuwalense, okanye uhlawule irente, isicatshulwa sakho mhlawumbi yindlela efanelekileyo yokuhlawula.
Uhlolisiso lobuqu, nangona kunjalo, aluvunyelwanga ngaso sonke isikhathi. Ngenxa yokuba bafumana kwi-akhawunti yomntu (ngokuchasene noorhulumente okanye ishishini elinokuthi linakho izixhobo ezininzi), azihlali ziyamkeleka. Ukuba umntu akanayo imali efanelekileyo kwi-akhawunti yakhe, isheke liza kubetha, kwaye intlawulo ayiyi kuhamba.
Kwezinye iintengiso - ngakumbi ukuthengiselana okukhulu njengento yokuthenga ekhaya - ifomu yokuhlawula ethembekileyo iyadingeka. Abathengi bafuna isiqinisekiso esithile sokuba baya kuhlawulwa, ngoko banokufuna iifenki zebhanki , ukuhlola i-cashier , okanye i- oda zeemali (kodwa ezo zinto zingasetyenziswa ngokukhohlisa ).
Ngokufanayo, ukuba ufumana inkokhelo yetshekhi yakho, kulungile ukuba uqiniseke ukuba iteksi ilungile ngaphambi kokuba uchithe loo mali (kufuneka uqinisekise ukuba yonke into isetyenziswe kakuhle - kodwa ibaluleke kakhulu ngokuhlola okwenziwa ngabanye).
Indlela yokwenza i-Personal Check
Ukuhlolwa kobuqu kuncinci kunezinye iintlobo zetshekhi kwaye ngokubanzi zibhalwa ngesandla, kodwa iikopi ezinkulu ezinokwenziwa kwekhompyutheni zisenokuba zihlolisiso lobuqu. Ngethuba lokuhlawulwa kwentlawulo ye- intanethi , iibhanki ziphrinta kwaye zithumela ukuhlola kwi-akhawunti nganye, kwaye ezo zihlolwe zikwazi ukuqhuba ingozi efana nokuhlola okubhaliwe ngesandla.
Enye indlela yokuchonga isheke sakho kukujonga ulwazi lomnikazi we-akhawunti: ukuba ubona igama lomntu, isitshixo sakhe.
Ukutshintshwa kweeKhekhi zomntu
Ngenxa yokuba bahlasele ngaphezu kohlolo olukhishwe ngu rhu lumente, ukuhlolwa komntu siqu kunokuba nzima ukwenza imali. Indlela engcono kakhulu yokwenza enye imali kukuba uye kwi-bhanki apho umlobi wekhenkethi ene-akhawunti (uza kufumana ulwazi lwebhanki ebhekise kwisheke). Ibhanki ibona ukuba ingahlawulwanga imali okanye ihlaziywe ngokukhawuleza.
Unokuzama kwakhona ukuhlawula iikopi zakho kwiibhanki zakho , kodwa ungamangaliswa ukuba ufumana i-$ 200 okanye njalo. Ukuba ibhanki yakho ikunika ngaphezulu, akunjalo ngenxa yokuba bayayazi ukuba itekisi ilungile - inethemba kuphela, kodwa uya kufuneka ubuyisele iibhanki ukuba isheke lihlawula.
Ngaphandle kweebhanki kunye neemanyano zeentengo zemboleko, kukho iindawo ezimbalwa ezikhethiweyo zokujonga imali.
Abanye abathengisi kunye nokukhangela iimpahla zokungenisa imali bangakhokhela amasheke amancinci. Njengoko lo mbhalo, i-Kmart ibangela ukuhlola okwenyuka kwi-$ 500.
Iifayile zokufumana iikopi ezingakumbi
Ukuba ubhala ukuhlola, uza kugqitywa kwaye ufune ukufumana ngaphezulu. Unokwenza umyalelo omkhulu kwi-bhanki yakho, umyalelo ukusuka kumshicileli, okanye uphinde uprinte zakho iitshekhi. Ukufumana iinkcukacha ezingaphezulu kunye neziphakamiso zabaphrinta, jonga ukuba ungafumana njani iikohlo .
Ezinye iindlela zokuhlola
Kukho iindlela ezininzi zokuhlawula izinto kunye nokuthumela imali; ukuhlolwa kukuphela kwesinye kubo, kwaye mhlawumbi asiyi kuba yinto engcono kakhulu yomsebenzi. Izixhobo zombane zivumela ukuba uthumele imali ngokukhuselekileyo (akukho mandla okweba ngeposi, kwaye awubonisi inombolo yakho ye-akhawunti kuye nabani na osibona isheke) kwaye angabizi kakuhle. Benza kube lula ukulandelela iintlawulo zakho - akukho mfuneko yokurekhoda yonke into ekuthengeni ngeteksi ngesandla.
Endaweni yokubhala isheke, zama:
- Ukuhlawula ukuthenga (kwi-intanethi nangomntu) kunye nekhadi lokubambisa
- Ukuthumela imali kubahlobo kunye nosapho ngekhompyutha
- Ukusebenzisa i-bhanki yakho yokuhlawula imali yebhanki kwi - intanethi ukwenza iintlawulo eziqhelekileyo
Iinkqubo ezingasentla zingasebenzisa imali efanayo oyisebenzisayo xa ubhala isheke-imali ivela ngqo kwi- akhawunti yakho yokujonga .