Indlela yokufaka isicelo sokubuyisela imali?

Inkqubo yokubuyisela imali kwimveliso ethengiweyo iyaqhelekileyo kwizorhwebo. Kwaye iimpahla ofuna ukuyibuyisela imali, akufuneki ukuba ziphosakele. Umboleki unokwenza isigqibo sokuba lo mthengi awuhambisani nayo nayiphi na imigaqo.

Kwezinye iimeko, umboleki unelungelo elipheleleyo lokwenza amabango eemali. Kule nqaku siza kuqwalasela imiba yokulungisa isicelo sokubuyiselwa imali.

Isicelo okanye ibango

Nangona kunjalo, ku funeka kuqatshelwe ukuba uxwebhu oluqulethe imfuno yokubuyiselwa kwemali alunganga kakuhle ukubiza umnxeba. Ngundoqo, eli xwebhu libango, kuba linomxholo ophambili wezobambiso - imfuno ethile, kulo mzekelo ukhankanywe kumthengisi. Oku kuqalise inkqubo yenkqubo yebango lokulungisa ukulungisa ingxabano eye yavela.

Nangona kunjalo, kungakhathaliseki ukuba sisibiza njani lo mbhalo, ngokwenene yileta elula yoshishino. Ngoko ke, isicelo sokubuyiselwa kwemali sizodwa kuzo zonke iimpawu zorhwebo.

Inkqubo yokubuyisela

Ngokuhambelana nomthetho wokukhuselwa kwamalungelo yabathengi, kunokwenzeka ukubuyisela impahla kumthengisi kwaye ubuyisele imali ehlawulwe yona, kodwa kuphela ukuba kukho iimeko ezithile:

• Umkhiqizo othengiweyo awungowona uluhlu oluvunyiwe lweempahla ezingenakutshintshaniswa kwaye zibuyiselwe;
• Iiveki ezimbini azidlulileyo ekubeni iimpahla zathengiwe;
• Kwivenkile akukho sitshixo sempahla apho kungenziwa khona indawo.

Kwimeko apho izinto ezithengiweyo ziye zazingekho phantsi, loo miqathango ayisebenzisi kuyo. Kwakhona kwenzeka ukuba izinto ezithengiswayo ziyimfanelo, kodwa kungekhona lowo umthengi kulindeleke ukuba afumane. Iimeko ezinjalo zingavela xa kuthengwa kwiivenkile ze-intanethi. Xa kuthengwa okunjalo, umgaqo ofanayo usebenzayo, kwaye imali yokubuyiselwa imali inokuthi ifunwe ngamagama afanayo njengoko kuthengwa umkhiqizo ongasetyenziswayo.

Kule meko, kuyimfuneko ukuqokelela ngokufanelekileyo ingxelo malunga nokubuyiswa kwemali.

Ziziphi iimpawu ezinokuthi zifunwe ngeempahla?

Unako kwakhona, endaweni yokubuyisela imali ngempahla enomgangatho omncinci, kufuna umdayisi ukuba enze isenzo esahlukileyo, umzekelo:

• Ukutshintsha impahla ngezinye, ngokufanayo;
• Misela umkhiqizo ngendlela efanayo, uphawu oluthile kunye nomzekelo, uphinde uphinde uhlawule intlawulo, ukuba kuyimfuneko;
• Ukulungisa ukukhululeka kwempahla;
• Ukuhlawulela iindlela ezisetyenziselwe ukulungiswa kweempahla zodwa.

Kule meko, kuyimfuneko kuphela ukuchonga ngokufanelekileyo imfuno yakho.

Kubalulekile ukwazi ukuba inkqubo yokubuyiswa iyahlukahluka ngohlobo lweempahla ngokwazo. Oku kuya kuxoxwa ngezantsi.

Ndingayifaka njani isicelo sokubuyisela imali?

Unokwenza isicelo sokubuyela kwempahla kumthengisi kwifomu yamahhala. Kodwa kuyimfuneko ukugcina imiqathango ethile.

Ingxelo yolu hlobo yileta yoshishino. Olu hlobo lwencwadi kufuneka luhambisane nokuchaneka nokungahambi kakuhle.

Le migaqo ilandelayo kufuneka ibonelelwe:

1. Ekunene, kufuneka ucacise igama kunye nedilesi yecaleni apho kuthengwa khona. Kubalulekile ukugcina engqondweni ukuba rhoqo idilesi esemthethweni yoshishino kunye nedilesi yendawo yesitolo ayisoloko ihambelana. Kufanelekile ukuba wazi ngaphambili olo lwazi. Idata enjalo kufuneka ifakwe kwisithuba ngasinye kwibhokisi leenkcukacha.
2. Endaweni enye yesicelo, kufuneka ucacise idatha yakho kunye nolwazi lokunxibelelana.
3. Incinci encinane kwinqanaba lomgca kufuneka ibhalwe "ibango" okanye "isitatimende."
4. Ngaphantsi itekisi ngokwayo. Ukuqala, kubalulekile ukukhomba zonke iinkcukacha zokuthenga. Yintoni kanye, kuthengwa nini na kuphi na, nokuba ngaba kukho amangqina kwikhomishini yokuthenga. Akunangqiqo ukuba nedatha malunga nomthengisi othengisayo (igama kunye neennani). Umzekelo wesicelo sokubuyiswa kwembuyekezo unikezelwa ngezantsi.
   

5. Umhlathi olandelayo kufuneka ubonise isizathu sokuba ufuna ukubuyisela imali. Ukuba umkhiqizo unomgangatho ongafanelekanga, ngoko kufuneka uchaze ngokubanzi zonke iimpazamo kunye neziphene. Ukuba umkhiqizo unobungakanani obufanelekileyo, ke yonke imigaqo engayifanelekanga iya kuchazwa.
6. Kufuneka ukuba ukhethe inani eliza kubuyiselwa. Kwiimeko ezininzi, ihambelana nemali ekuthengwa ngayo impahla. Kuqinisekiswa ngamaxwebhu okuhlawula, nangona ukufumaneka kwabo akusibophelelo.
7. Xa kwenzeka ukuba intlawulo yenziwa ngendlela engekho imali, isicelo kufuneka sibonise iinkcukacha zekhadi lebhanki okanye i-akhawunti apho umninimzi uya kuba nakho ukutshintshwa.
8. Akuyi kuba ngongeniso ukufaka kwisicelo sokubuyiselwa kwemali, isampula yayo echazwe ngasentla, icandelwana enenjongo yokufuna iziphumo xa unqatshelwe ukwanelisa ibango. Kule meko, unako ukufaka isicelo kubasemagunyeni njengoko, umzekelo, uRospotrebnadzor okanye inkundla.
9. Ukugqitywa kwesicelo kuyimfuneko ngomhla wokubhalwa kwayo kunye nesayinwe.

Isiphelo

Xa kubhala ibango, kuyimfuneko ukuhambelana nokulandelelana kwexesha leziganeko. Esi sicelo sokubuyiselwa kwemali senziwe kwikhophi ephindwe kabini: yokuqala kufuneka idluliselwe kwi-outlet, kwaye yesibini ihlala nomthengi. Umthengisi unyanzelekile ngumthetho ukuba aphendule ibango ngaphandle kweentsuku ezili-10.