Concept neendidi checks. izibalo kuhlola

Namhlanje ngakumbi zithandwa kakhulu yinto efana itshekhi. Ingasetyenziswa kuphela ukuhlawula amatyala, kodwa ukwenza iintlawulo zeempahla neenkonzo. Funda ngakumbi malunga nokuba yintoni na iintlobo zeetshekhi, kwakunye ukuba zisebenza njani, yaye siya kufikelela kule ncwadi.

Le ngcamango jikelele zeetshekhi kunye neencwadi

Kuyamangalisa ukuba ukubukela TV screen xa ndingowasemzini osisityebi byi ukuba igumbi ehotele okanye ezinye iinkonzo ukujonga ngaphandle nencwadi entle. Enye into kukuba lo mbono, bambalwa abantu bazi. Ngokukodwa, iinkcukacha ezininzi processing xanisa lo msebenzi. Thina, ngokuba yinxalenye yalo iza kuzama ukuphalaza ethile ukukhanya.

Ngoko ke, thatha ingqiqo sihlolisise, iintlobo kunye neempawu ngokubanzi itshekhi kwale nkqubo accounting. ifomu kwemali kubandakanya ukusetyenziswa izibambiso ezithile ezigcinwe yi-Mhlawuli.

Kwaye zonke iitsheki zigcinwe kwincwadi ekhethekileyo. Ngoncedo lomnini setsheki angenza intlawulo esixhasa chekopoluchatelya nemali elikhankanywe kuso. Kuyaphawuleka ukuba yebhanki yomthumeli owayenokwenza nje ngemali, leyo kokha kuye ngaphambili uvule i-akhawunti. Kwaba naye kwixesha elizayo yaye iya kwakhona ityala, kodwa yayilingana nale mali eboniswe kwi ngetshekhi.

Yiyiphi inkcazelo kufuneka iqulathe itshekhi?

Ukuqwalasela iintlobo ezininzi zeetshekhi, asinako ukuba ezo nkcukacha kufuneka luqulathe. Hi xikombiso, le ngcaciso ilandelayo ecaciswe kuzo:

• Igama loxwebhu (khangela ezahlukeneyo);
• imali ekufuneka ihlawulwe;
• ulwazi malunga Umhlawuli kunye nenani-akhawunti yakhe (kuba naye kwixesha elizayo kwaye iza kubulawa intlawulo);
• lwemali yokuhlawula;
• indawo apho itshekhi zabuya kunye nomhla nasekugqityweni kwayo;
• umtyikityo kokha.

Kuyaphawuleka ukuba ukungabikho ubuncinane omnye izinto ezifunekayo, itshekhi ilahlekelwa lixabiso layo yokuqala. Funda ngakumbi malunga nokuba yintoni na iintlobo zeetshekhi zebhanki, siya kucacisa ngakumbi.

Yintoni iitshekhi?

Xa zizonke, iintlobo kuhlola ingahlulwa ibe ngamaqela amabini ezinkulu: ukuguqulwa (isigunyaziso) kwaye ubhaliswe. Njengoko umthetho, ukuhlola igama obhaliswe njengaBamkeli ngexesha ethile. Ukudluliselwa okanye umyalelo - ke, ukuze kukhutshwa egameni lomnye umntu. Kulo mzekelo, ukuba imali kwi itshekhi aya kuhlawulwa ngemali eziinkozo, ezi izibambiso kuthiwa ezinkozo okanye imali.

Ukuba kwiikholam kuxwebhu kukho iphawulwe "yokuhlala", mayingabi sakhululwa cashed. Noko ke, esi sixa ekunokuthiwa non-cash. Le lenquba yenzelwa kwi-akhawunti onesigunyaziso. Kodwa ke eneneni ukudlulisela imali kuphela ngenxa kumnikazi. imisebenzi enjalo ibizwa zokuhlala. Ukuba ngexesha ukuzaliswa xwebhu sele inani-akhawunti ethile echaziweyo, chekopoluchatel unelungelo ukutshintshela iimali kuphela kuye.

Ukongeza, ezi izibalo yenziwa iitshekhi (uhlobo itshekhi kunye jikelele kwengcingane kubo inokufumaneka kwinqaku lethu) kumamkeli. Ngokungafaniyo iinguqulelo ezidlulileyo kwizabelo, ezi - zikhutshwa ngaphandle chekopoluchatelya. Kamva, xa umnini ugqiba ukuhlawulela iincwadi naziphi na iinkonzo okanye iimpahla ezinikwa umntu labucala, kwi payslip lakhe libonisa umamkeli ekujongwe.

Yintoni crossover, bearer nocwangco iitsheki?

Ngenxa yoko, ukuhlola yebhanki lungohlulwa lube ngeentlobo crossover, bearer kunye isigunyaziso. Crossover ukhuseleko Kuguqulelwa bawela. It isleshi (omnye okanye emibini), okanye ilayibhuli ngeqhosha ekhona iyaboniswa. Nangona kunjalo, kukho iimeko xa kusetyenziswa ngexesha umgca enye kunye nombhalo. Yenza le uxhulumaniso Umnqamlezo zombini benkampani baye, kwakunye abamkeli.

uqhagamshelo Cross ngokhethekileyo kunye jikelele. Kwimeko yokuqala izibambiso kwakubonisa igama leziko mali elinoxanduva lokukhupha le ncwadi. Oku kuthetha ukuba nokutshintshwa netsheki okanye intlawulo zibe ezinjalo kukuba ebhankini, nto leyo ukhankanyiwe uxhulumaniso xa emnqamlezweni. Kwimeko yesibini, ekuthethwe igama leziko zemboleko, kodwa ukongeza lazisa uphawu entsha - i "ibhange". Nangona kunjalo, ezi iindidi zeetshekhi zokuhlala hayi cashed. Imali eliboniswe phezu kwabo, badluliselwe kuphela kumxhamli. Kakade ke, ngoko ke kufuneka unikezele imali ekhaya, kodwa kuya kuthatha ixesha.

Musa ukubhidanisa izinto ezininzi elifana

Ukongeza izibambiso kwi inxaxheba izibalo, kunye namanye amajelo eendaba, ezo zifana kwigama. Ngokomzekelo, xa kwakunye neevenkile ukuhlangabezana iivawutsha imali. Basimisela irisithi ezikhethekileyo, eziprintiweyo ezingamaphepha.

Eyona eziqhelekileyo iindidi zeetshekhi ezifana ezivenkileni, noobhazabhaza beevenkile kunye nezinye izimvo ekuthengisweni kweempahla kunye neenkonzo. Ngenxa umthetho, ukuba ziprintwe kwi tape ekhethekileyo evela imali.

Kule medium ezi nkcukacha zilandelayo:

• igama ukuxhotyiswa;
• idilesi umbutho okanye isebe;
• ixabiso iimpahla okanye iinkonzo ezithengwe;
• uhlobo ngokusemthethweni umbutho;
• khangela inombolo;
• Inn owayengumphathi okanye umthengisi;
• isixa kubandakanywa iirhafu kunye nemirhumo (rhoqo kwakhona osayina imali oyifumeneyo nemali kwemali ekhutshwe);
• ukusebenza;
• idilesi ye email okanye website lombutho;
• enkosi (Enkosi ukuthenga kwakho!).

Nangona kunjalo, ezi ndidi kweerisithi imali ekhutshwe emva kokufumana imali ye client okanye ukwenza amakhadi intlawulo yayo. Ngamanye amaxesha kufuneka abe khona ukufumana iimpahla esele ihlawulwe.

Iintlobo kweerisithi imali; ntoni na ke?

Kuxhomekeka oya kuyo, kwakunye ezahlukeneyo kweempahla kunye neenkonzo iintlobo kweerisithi imali ngokuqhelekileyo yahlulwe: iphepha-elektronikha. Kwimeko yokuqala, umthengi ufumana irisithi eprintiweyo ephepheni, kunye yesibini - electronic version kuphela.

Ngendlela, xa efumana ifomu elektroniki usenokuphinda kakuhle kugqithiselwa enye ikopi yephepha. Kodwa oku kuqala kuyimfuneko ukuba ukushicilela. Khangela ngekhompyutha ukuze ngokwenene emva ikhadi yentlawulo okanye ngokusebenzisa i imali virtual kwiivenkile online.

Yintoni isiliphu?

Ngaphandle ukusuka ngentla, kukho ezinye iintlobo kweerisithi zeentengiso. Ingakumbi, ziquka abathwali iphepha ezisebenzisa ngoosomashishini abucala ukuba ingxelo. Kulo mzekelo, libhekisela kwifom isiliphu intengiso, nto leyo umphelelisi efunyenwe ngaphambili cash amaxwebhu (iirisithi). Ngokuqhelekileyo akukho awusebenzi iintlobo esemgangathweni ingxelo engqongqo kuba unendima axhasayo. Noko ke, le ngcaciso ilandelayo ekhoyo kuwo:

• igama kunye yolu xwebhu;
• qhagamshelana iinkcukacha umsebenzi;
• Inn;
• komhla wokufunyanwa;
• inombolo ifomu;
• uluhlu olupheleleyo kwempahla kunye neenkonzo;
• imali;
• Utyikityo kunye neenkcukacha ezipheleleyo umntu onoxanduva ukukhupha i itshekhi.

Kuyaphawuleka ukuba xwebhu irekhodwa ulwazi malunga ngalinye iimpahla kunye neenkonzo (kuthathelwa ingqalelo iindleko kunye nobunzima baso) uthenge. Kuba lula wongezelela, iintlobo ezahlukeneyo imisebenzi kunye iitshekhi ezibhaliweyo encwadini akhawunti efanelekileyo okanye incwadi imali.

Ungenza ntoni na iitshekhi?

Ukuba sithethe malunga izibambiso umgangatho zibekwe encwadini, ngoko kokuba zisetyenziswe ukuba okuhlawulela iimpahla neenkonzo. Ngenxa umdlali ophethe lephepha ukufumana kanye imveliso okanye inkonzo, kodwa kuphela emva kokuba imali yazo ngokupheleleyo. Ngaphezu koko, lo ngowona inkxaso yemali iya kunceda ukusombulula imeko yongquzulwano a, umzekelo, ukuba uthenge imveliso eziphosakeleyo okanye ulihlwempu-umgangatho into. Nokuba kukho abathile ukudideka kunye ngexabiso. Neerisithi uncedo ukuze ugcine irekhodi inani kwempahla bathengisa kwaye athathe inani lokugqibela.

Iintlobo zeetshekhi e Sberbank

Kukho ezibalelwa ezingenileyo Sberbank. Isebenzisa amaxwebhu zemali, esiqinisekisa ilungelo lokufumana imali ethile (idla ikwatshintsha kuluhlu ka 10-100 000). Bona ekhutshwe kwi igama zabathengi, kodwa ke kuphela emva kokuba imali kwi-akhawunti. Kuyaphawuleka ukuba igama nombutho zebhanki inokukhutshwa akukho ngaphezu itshekhi omnye. Ukuba oyifunayo, eli phetshana ebhalwe egameni lomnye client. Kodwa kulo mzekelo, onke amalungelo kuyo ufumana umnini omtsha.

Ezi iindidi zeetshekhi linokuthi:

• kuhlawulwa ngemali ngakwicala labantu zendalo;
• isetyenziselwa ehlawulela iimpahla okanye iinkonzo;
• isicelo ukuqinisekisa intlawulo iimveliso okanye iinkonzo.

Xa Savings Bank wayeke wasebenzela wabiza njalo-iitshekhi yabahambi. Sithetha ngayo apha ngezantsi.

Yintoni izibambiso "ukuhamba" okanye umhambi?

Olunye uhlobo iitshekhi zabahambi zithathwa ukuba amaxwebhu intlawulo. Ezi izibambiso zidla kukhutshwa zii-arhente ezinika, iibhanki, inkqubo yemali ngamazwe kunye namanye amaziko zemali. Enyanisweni, ukuba uhlobo amaxwebhu ityala, likuvumela ukuba athenge le nto okanye loo nkonzo, yorhwebo. Umnini eendaba intlawulo unakho ukuba naliphi na iqumrhu emzimbeni. Kulo mzekelo, ngexesha lokuthengwa umnini elizayo loxwebhu olunjalo unyanzelekile ukuba afake isiginitsha yakhe kuyo.

Imeko iintlawulo eRashiya nakwamanye amazwe

Ngokungafaniyo uninzi lwamazwe angaphandle data RF iintlobo lwentlawulo nje eqhelekileyo. Noko ke, sisaxakekile kwamanye amaziko ezemali, umzekelo, ngaphambili ukuba Sberbank of Russia. Okwangoku, ukuze babelane kuthenga iivawutsha banokuba "Svyaz-Bank" VTB Bank of eMoscow "BANK URALSIB". Ibangel 'umdla into yokuba ezinye zazo amalungiselelo uhlobo inyathelo ngamabhaso ejolise ukuzoba ingqalelo uhlobo olutsha noko intlawulo.

Banks, ukusebenza nezibambiso zingathengwa izixhobo intlawulo American Express. Kulo mzekelo, ixabiso eliyimali zeetshekhi ezinjalo phakathi kwe-50 ne-500 zeerandi US kunye euro. Isixa ikhomishini ngenxa ukuthenga zabo entlanganweni ityala kwisithuba 0.5%. Xa engange yamaphepha basekhaya okanye amazwe ngokuqhelekileyo zisetyenziswa yokutshintsha imali.

Apha, abalandeli ezi ntlobo maxwebhu banelungelo babhatale. Kulo mzekelo, i-bhala-off imali efunekayo iitshekhi umnini-akhawunti ye-. Liyinyaniso elokuba, lo pay ngale ndlela kuphela iivenkile umsebenzi-free (duty free). ngempela Ezinye amaxwebhu kwaneso ngemali basekhaya okanye angaphandle kwi izinga langoku wonaniselwano yebhanki.

zithandwa kakhulu ezi Iitsheki eMelika. Apha ke mayisetyenziselwe ukuthenga naziphi iimpahla neenkonzo. Ngoko ke, behamba uhambo kumaxwebhu yentlawulo United States zigcwele ngokukhuselekileyo, imali elingana yendawo.

Indlela ukufumana iibhanki ukuba babelane ithenge?

Ukuze ufumane umbutho ekunene apho unako ukuthenga ingananwa iitshekhi umhambi wakho, kufuneka uye resource Russian-American Express aetclocator.com esemthethweni. Kufuneka ubeke imida efanelekileyo, ngokusekelwe apho unako ukufumana kwisebe lengingqi yakho leziko zemali. Umzekelo, ukukhetha ilizwe nesixeko Russian ka Moscow, unako ukufumana uluhlu kumasebe asixhenxe "Svyaz-Bank".

ulwazi efanayo ingafunyanwa kwi americanexpress.com site ngaphambili yi-lizwe kunye nolwimi interface alukhethayo.

Unezixhobo ezininzi neempawu zendlela

Kungoku eyaziwa ezi ntlobo zilandelayo zeetshekhi yabahambi:

• American Express kunye Visa Interpayment.
• CitiCorp.
• Thomas Cook Mastercard.

American Express ithathwa kakhulu zithandwa. Basonta edume umnikeli, kwaye iyafumaneka ukuze ntlobo zilandelayo imali amazwe:

• Australia kunye US dollar;
• wokuba Saudi;
• oncomekayo esikiti;
• RMB;
• i dollar Canadian;
• euro;
• yen Japanese kunye t. d.

Okwangoku eRashiya kukho nje izibambiso dollar kunye euro. Abanye neze ethandwayo. Ngenxa yesi sizathu, bambalwa kakhulu kubo ejikeleza.

Indlela ukuyithenga yaye kunzima?

Ukuze ukuthenga iitshekhi zabahambi kufuneka ifike kwi ibhanki esinyuliweyo, ukucacisa ikhosi nocwangco amaxwebhu ihlelo efanelekileyo. Kulo mzekelo, la maxwebhu uya kudinga i ipaspoti yangaphakathi okanye yangaphandle. Emva kokufumana kwabo, kufuneka ufake utyikityo lwakho kwikona ephezulu ekhohlo. Oku kuza kunceda ukuba siphephe Iingxaki ezinxulumene ne ilahleko okanye ukubiwa izixhobo intlawulo yakho. Ngamanye amazwi, akukho namnye uya kusebenzisa kuzo kodwa wena. Ukuze uqinisekise ukuthenga kwakho, njengoko umthetho, kokuba ikhutshwe irisithi. Lichaza kakuhle ukufunyanwa, ixabiso ngegama, isixa-mali esichithwe kunye neenkcukacha zakho zoqhagamshelwano.

Ziziphi iingenelo izixhobo yendlela?

Ukusetyenziswa iitshekhi zabahambi kungenxa eziliqela iingenelo. Ngokomzekelo, la maxwebhu musa kubhubha. Ngenxa yesi sizathu, badla nje kuphela igcinwe iminyaka, kodwa kusenokwenzeka nokuba yimfuzo.

Uncedo yesibini kukukwazi ukusebenzisa iitshekhi kwimveliso kwamanye izityhwentywe zemali. Kulo mzekelo, oku akuthethi naluphina unciphiso. Oku kuluncedo ngakumbi xa injongo ngokupheleleyo uhambo lwakho ukuthenga indawo okanye isithuthi. Noko ke, ukuba imali idlula $ 10 000, kuya kufuneka ukuba angene kuyo kwisibhengezo amasiko.

Ngaphezu koko, ukuhlola eziguqulelwe ngokugqibeleleyo aphesheya. Edubula nabo ngemali yendawo, ungagcina nzulu. Ukongeza, ubungakanani ikhomishini ngotshintshiselwano ukhuseleko mnye Kudla ngokungabikho ngaphezu kwesinye dollar.

Ingaba kukhuselekile ukusebenzisa?

Ukusetyenziswa iitshekhi zabahambi kukhuselekile ngokupheleleyo. Nokuba uthe kungalahleki namnye, uya kunceda ukusombulula ingxaki xa ummeli ekufutshane lebhanki yakho. Ukubuyela amaxwebhu intlawulo wena kudingeka nje ukuba niyinikele irisithi okanye bachaze inani imali odolo elahlekileyo. Kakade ke, onke amaxwebhu yokuhamba zibhalisiwe. Ngenxa yoko, ngaphandle wena, ukuba akukho namnye uya kukwazi ukuthatha ithuba.

izinto ezimbi yokusetyenziswa

Phakathi izinto ezimbi ukusetyenziswa iitshekhi zabahambi nga azakubalulwa yokuba uya kuyo nayiphi na imeko kufuneka ukujongana nemali. Abo wena ulufumane unikezelo xa uthenge. Kwaye ukufumaneka kwemali aphesheya kusoloko kubandakanya iingozi ezithile, ezifana ilahleko okanye ubusela. Kwaye, kakade, ukuba ufuna ukuba babelane amaxwebhu yakho lwemali lwasekuhlaleni, iibhanki kuya kufuneka ukuba azame ukwenza imisebenzi enjalo.

Xa sithetha ngokubanzi malunga iinkangelo, lula yabo izicacele. Enza kube lula inkqubo yokufumana impahla okanye iinkonzo, kodwa kwangaxeshanye ezinxulumene bokuqonda ezithile. Ngokukodwa, eRashiya, kuya kufuneka ukubaleka efuna ezishishina ukwamkela kubo. Ihluke kunjalo amakhadi ngetyala. Ukuba bathathe kukuphi, bakhupha nokutshintshiselana.