Ileta yekhredithi (i-LOC) isithembiso esivela kwibhankini ukwenzela ukuhlawulwa ngokuthatha iimeko ezithile.
IiLOC ziyinkimbinkimbi. Indlela elula yokuqonda indlela abasebenza ngayo ukubona umzekelo. Olu qeqesho lubonisa indlela ileta yekhredithi isebenza ngayo ngeyinyathelo. Unokufunda nje umboniso ophezulu xa ukhetha inkcazo-kuphela yenkcazo ngaphandle kweziboniso.
Kulo mzekelo, siya kuthatha ukuba umthengisi uthengisa impahla evela kumthengisi. Nangona kunjalo, ii-LOC zingasetyenziselwa ezinye iintlobo zokuthengiselana. Iibhokisi zokubambisa zemboleko , umzekelo, zisetyenziswa rhoqo kwi-United States ngeenkonzo ezahlukeneyo (kuquka iiprojekthi zokwakha, inkonzo yombane, nokunye). Ukuba ufuna ukufunda indlela i-LOC isebenza ngayo ukuthengiswa kwekhaya oluqhelekileyo, faka igama elithi "umthengisi" kunye "nomthengisi" kunye nomniki-nkonzo kumboneleli wakho. Umzekelo:
- Umthengisi angaba yinkampani yombane othengisela amandla; umthengisi uza kuba ngumthengi othenga amandla ukusuka kwintsebenzo
- Umthumeli angaba yintraka esithembisa ukugqiba iprojekthi ngomhla othile; umthengisi uya kuba ngumthengi womthengisi
Qaphela ukuba le tutorial ibonisa indlela le misebenzi isebenza ngayo, kodwa ukuthengiselana okwenene kunzima kakhulu kunokuba uza kubona apha. Okwangoku, le ngcamango ifuna ukukhululeka ngokuhamba kwamaphepha kunye neentlawulo xa i-LOC isetyenziswa.
01 Masenze Oku!
Okokuqala, umthengi (umthengisi) kunye nomthengisi (ngaphandle) uthetha ukwenza ishishini kunye. Bavumelana malunga nemali, ubuninzi, kunye neminye imiqathango, kwaye bachaza indlela kwaye ziza kuthunyelwa njani iimpahla kumthengi. Njengengxenye yesivumelwano, siya kuthatha ukuba umdayisi ufuna ukuba umthengi asebenzise ileta yesikweletu (LOC).
Kutheni umthengisi efuna ileta yesikweletu? Umthengisi ufuna ukuzithemba ngakumbi ukuba umthengi uya kuhlawula. Mhlawumbi lo mthengi nomthengisi abazange basebenze kunye kunye, okanye umyalelo ungaba mkhulu ngokwaneleyo ukubangela ubunzima obubi bezemali ukuba kukho into engalungangayo (ukuba umthengisi uchitha imali ukuvelisa nokuthumela impahla, kwaye ixabiso lomthengi liyabanjwa ngesizathu esithile).
Kubalulekile ukwazi ukuba isivumelwano sokuthengisa asiyinxalenye yileta yekhredithi . Isivumelwano sokuthengisa siphakathi komthengi kunye nomthengisi kuphela, kwaye i-LOC isebenzisa ulwazi kwisivumelwano, kodwa i-LOC yincwadi ehlukile ekhutshwe yibhanki.
02 Ukukhupha i-LOC
Ukufumana ileta yesikweletu (LOC), umthengi uqhagamshelana nebhanki yakhe. Le bhanki isebenza kwilizwe lekhaya lomthengi, kwaye inokwenzeka ukuba ibhanki enokuthengwa nayo ngoku. Umthengi unikeza ulwazi olufunekayo kwibhanki ukukhupha i-LOC, kuquka iinkcukacha ezifana:
- Ingakanani intlawulo?
- Liliphi igama kunye nedilesi yomthengisi (owaziwa ngokuba ngumzuzi )?
- Kuya kuthunyelwa nini?
- Kuya kuthunyelwa njani?
- Kufuneka kuphi ukuthunyelwa?
- Nezinye iinkcukacha ezininzi
Kubalulekile ukuba ibhanki ifumane zonke iinkcukacha ezichanekileyo. I-LOC iya kuba ngumqulu obophe ngokomthetho, kwaye la maxwebhu asichazwa ngokuchanekileyo . Kwakhona, i-LOC ihluke kwisivumelwano sokuthengisa, kwaye isekelwe kumaxwebhu - kungekhona amanyathelo - ngoko awukwazi ukucinga ukuba yonke into iya kusebenza xa kukho impazamo (nokuba yinto ebonakalayo encinci njengephutha ye typographical); ukuba umqulu awufezekanga, kufuneka uhlaziywe ngaphambi kokuba umntu aqhube phambili.
Xa ibhanki iphakamisa i-LOC, ibhanki iya kwenza isithembiso, kwaye ibhanki iya kuba nexanduva lokuthumela imali (yintoni eyenza ileta yekhredithi ngokukhuselekileyo kubathengisi) - ngoko ibhanki ifuna ukwazi ukuba umthengi angakwazi ukuza kunye nemali. Kule ngongoma, umthengi unokufuneka afake imali kwi-bhanki, okanye ibhanki inokunikela ngemboleko kumthengi njengenxalenye ye-LOC.
Emva kokukhupha i-LOC, ibhanki iyithumela kwibhangi lomdayisi. Le nto ibhanki kwilizwe lomthengisi - mhlawumbi ibhanki leyo umthengisi sele esenebudlelwane naye. Kukho iibhanki eziliqela phakathi kokusebenza njengabameli, kodwa siye sabashiya ukulula.
Ibhanki lomthengisi uya kuhlola i-LOC kwaye ayithumele kumthengisi. Kule ngongoma, umthengisi kufuneka ahlaziye i-LOC ukuqinisekisa ukuba ihambelana nento avuma ukuyenza nokuba unako ukuhlangabezana neemfuno ze-LOC. Kufuneka kwakhona anqume ukuba ukhululekile ukuthembela kwibhanki ekhuphayo kunye nawaphi na amabhanki athatha inxaxheba.
Ukuba yonke into iyamkeleka, umthengisi angaya kwisinyathelo esilandelayo: ukuvelisa nokuthumela impahla.
03 Ukuthumela izinto kunye neeMibhalo
Ukuhlawulwa ngetyala le-credit (LOC), umthengisi uya kufuneka ahlangabezane neemfuno ezichazwe kwi-LOC. Phakathi kwezinye izinto, oku kuthetha ukuba:
- Ukuthumela impahla ngemini ethile
- Mhlawumbi ube nezinto ezihlolwe ngaphambi kokuthunyelwa
- Ukusebenzisa indlela yokuthumela echazwe kwi-LOC
- Ukuthunyelwa uye kwiichweba ezichazwe kwi-LOC
- Ukuqokelela amaxwebhu achazwe kwi-LOC (amaxwebhu okuthumela, umzekelo)
- Ukuhambisa amaxwebhu ebhankini ngomhla othile
Yilapho abathengisi banandipha ngokwenene inzuzo yeleta yesikweletu. Umthengisi uyazi ukuba uya kuhlawulwa (kuthathwa njengebhanki ethembisa ukuhlawulwa kuhle kwimali), nje kuphela xa ehlangabezana neemfuno ze-LOC . Akunandaba nokuba umthengi wakhe uchithe okanye uyagqiba ukungahlawuli - ibhanki ikuko lokukhokha; ibhanki iya kufuneka ibhekane nomthengi wokugqibela.
Ngokufanayo, kuxhomekeke kwindlela izinto ezilungiselelwe ngayo, akunakucingela nokuba iimpahla zenzeke kumthengi. Isiqhwithi singonakalisa okanye sitshabalalise iimpahla ngexesha lokuthunyelwa, kwaye umthengisi angenakho uxanduva lokulahleka.
Umngeni omkhulu kumthengisi udibana neemfuno ze-LOC. Kwakhona, iibhanki ziyakhathalela kuphela iinkcukacha ezibhaliweyo kwi-LOC kunye namaxwebhu oyithumeleyo ukuba anelise i-LOC. Ukuba kukho into ekhulile, umdayisi akayi kuhlawulwa.
Umzekelo, ukuba uthumela enye imini ngokukhawuleza, yingxaki enkulu. Ungaphonsa umkhiqizo owongezelelweyo (ngaphandle kokuba umthengi wakho avume ukuba le nto iyenzela ukuthunyelwa ngokukhawuleza), kodwa iibhanki aziyi kuhlawula ngaphandle kokuba i-LOC ichitshiyelwe kwi-akhawunti yomhla wokuthumela umva. Kuthatha imali eyongezelelweyo kunye nexesha lokuchibiyela i-LOC.
04 Ukuhlawula nokuthunyelwa kufike
Xa amaxwebhu athunyelwe kwibhangi lomdayisi, ibhanki iya kuqinisekisa ukuba amaxwebhu ahlangabezana neemfuno ze-LOC. Kwakhona, ibhanki iya kuthatha yonke into ngokoqobo: ukuba nayiphi na into engekho - nokuba isipelingi okanye ukuchithwa kwegama lenkampani - ibhanki inokunqanda ukuhlawulwa. Amabhanki athabatha iintsuku zoshishino eziliqela ukuqhuba olu hlaziyo.
Ukuba amaxwebhu alungileyo, ibhanki lomdayisi liya kuthumela amaxwebhu kwibhanki lomthengi. Ibhanki lomthengi liya kwenza uhlaziyo olufanayo lwamaphepha e-LOC. Ukuba yonke into ihlola, ibhanki lomthengi liya kuthumela intlawulo kwibhanki lomdayisi.
Ibhanki lomthengi liya kuthumela loo maxwebhu kumthengi, osebenzisa loo maxwebhu ukuba athathe impahla xa efika.
Umthengisi uhlawulwa nini? Ixesha lokuhlawula lixhomekeke kuhlobo lwe-LOC esisetyenzisiweyo. Umthengisi angakhokhelwa kwiintsuku ezimbalwa zokuthumela amaxwebhu kwibhanki yendawo. Kwezinye iimeko, umthengisi uya kufuneka alinde de iimeko ezithile zidibene. Ngamanye amaxesha umthengisi uhlawulelwa "kwangaphambili" (phambi kokuthumela nayiphi na into) ukuze athenge iimithombo eziza kusetyenziswa ukuvelisa iimpahla zabathengi.