Concept ndi mitundu ya macheke. macheke kuwerengetsera

Lero ndi wotchuka kwambiri ndi chinthu monga cheke. Thiabendazole angagwiritsidwe ntchito osati kulipira ngongole, komanso kulipira katundu ndi ntchito. Dziwani zambiri za zomwe mitundu ya macheke, komanso mmene ntchito, ndipo ife kuphimba m'buku lino.

Mfundo ambiri macheke ndi mabuku

Kudabwitsa kuonera TV pamene mlendo olemera malipira chipinda hotelo kapena zina onani buku. Chinthu china ndi lingaliro ili, anthu ochepa mukudziwa. Makamaka mfundo zambiri processing kusokoneza ntchito imeneyi. Ife mbali adzayesa zingatithandize kumvetsa.

Choncho, mwatsatanetsatane mfundo, mitundu ndi makhalidwe ambiri a cheke cha dongosolo mlandu. Chiphaso mawonekedwe zimaphatikizapo kugwiritsa ntchito sheya zina imene samalipira a.

Ndipo macheke onse kusungidwa mu buku lapadera. Mothandizidwa ndi chotengera cheke akhoza kupanga malipiro mokomera chekopoluchatelya ndi kuchuluka zafotokozeredwa izo. N'zochititsa chidwi kuti ngati banki sender a ndikanakhoza kokha kuchita kuti bungwe la ndalama, limene kabati wakhala kale anatsegula nkhani. Iwo anali naye m'tsogolo ndipo mlandu, koma ndendende kuchuluka tikuonera cheke.

Zomwe ayenera kukhala ndi cheke?

Poona kwambiri mitundu ya macheke, sitingathe kunena kuti zomwe ayenera muli. Mwachitsanzo, mfundo izi zafotokozeredwa iwo:

• dzina chikalata (onani zosiyanasiyana);
• kuchuluka kulipidwa;
• zambiri pa samalipira ndi chiwerengero cha nkhani yake (zinali naye m'tsogolo ndipo aphedwe malipiro);
• ndalama kwa malipiro;
• malo cheke anali wasenza ndi tsiku litamalizidwa;
• siginecha cha mapepala a.

N'zochititsa chidwi kuti, pakalibe chimodzi cha zinthu chofunika, cheke wotaya kufunika kwake pachiyambi. Dziwani zambiri za zomwe mitundu ya macheke banki, tidzakhala kufotokoza zina.

Kodi macheke?

Okwana mitundu ya macheke zikhoza kugawidwa m'magulu awiri akuluakulu: kutembenuka (a chilolezo) ndi mayina. Monga ulamuliro, ndi macheke dzina boma yake payee. Transferable kapena kuti - nayenso akhoza inakhazikitsa mu mtima wa munthu wina. Pankhaniyi, ngati kuchuluka pa cheke adzakhala amalipidwa ndalama, sheya zimenezi zimatchedwa ndalama kapena ndalama.

Ngati mmodzi wa mizati ya chikalata kumeneko ikusonyezedwa "Pamudzi", iyo siingakhoze ndatapa. Komabe, ndalamazo akhoza zimachitika si ndalama. Ndondomeko anachita pa nkhani chofukizira a. Koma kusamutsa ndalama basi chifukwa cha mtumiki wa. ntchito amatchedwa Pamudzi. Ngati pa kudzazidwa kwa bukuli lakhala mwachindunji nambala ya nkhani yeniyeni, chekopoluchatel ali ndi ufulu kusamutsa ndalama iye yekha basi.

Komanso anapezazo ndi akutsatiridwa macheke (macheke mitundu ndi chithunzithunzi cha iwo angapezeke mu nkhani yathu) kwa wolandira. Mosiyana ndi Mabaibulo a m'mbuyomu a sheya, izi - ndi chikalata popanda chekopoluchatelya. Kenako, pamene mwini wasankha kulipira mabuku ntchito iliyonse kapena katundu operekedwa ndi munthu payekha, mu payslip wake umasonyeza wolandira anafuna.

ndi kusinthanitsidwa, wonyamula ndi kuti macheke chiyani?

Nawonso macheke banki akhoza kugawidwa mu mitundu ya kusinthanitsidwa, wonyamula ndi chilolezo. Kusinthanitsidwa chitetezo anamasuliridwa anawoloka. Iwo slash (mmodzi kapena awiri), kapena chizindikiro akhoza kupezeka kukuonetsedwa. Komabe, pali milandu pamene ntchito pa yomweyo mzere ndi chidindo. Kuchita kugwirizana mtanda akhoza issuers onse ali, komanso olandira.

kugwirizana mtanda wapadera ndi ambiri. Mbali yoyamba ya sheya ngati anatchula dzina la bungwe ndalama udindo opereka bukhu. Izi zikutanthauza kuti cashing la cheke kapena malipiro a amachita zoterezi ndi banki, amene mwachindunji mogwirizana pamene mtanda. Ngati chachiwiri, ananenanso dzina la bungwe ngongole, koma Kuwonjezera anayambitsanso chizindikiro watsopano - ndi "banki". Komabe, izi mitundu ya macheke kuthetsa osati ndatapa. kuchuluka anasonyeza pa iwo, akhoza anasamutsa kuti phindu la. Kumene, ndiye iwo akhoza umasinthanitsidwa ndalama zoweta, koma zimatengerapo nthawi kudza.

Sizikusokonezani mfundo zingapo zofanana

Kuwonjezera sheya mu kuwerengetsera akugwira nawo, komanso atolankhani ena, amene ali ofanana ndi dzina. Mwachitsanzo, mu malo ogulitsira ritelo kukumana mavocha ndalama. Iwo chiphaso wapadera, kupulinta.

Mitundu yofala macheke ngati m'masitolo, amagulako ndi mfundo zina za kugulitsa katundu. Monga ulamuliro, iwo amasindikizidwa pa tepi wapadera akubwera kuchokera m'kaundula ndalama.

Pa sing'anga uyu mfundo izi:

• Dzina la sitolo;
• adiresi ya gulu kapena nthambi
• mtengo wa katundu anagula kapena mautumiki;
• mawonekedwe malamulo a bungwe;
• onani chiwerengero;
• Ogona anawapatsa ndalama kapena wogulitsa;
• kuchuluka kuphatikiza misonkho malipiro (zambiri komanso walembapo ndalama zimene munalandira ndi kuchuluka kwa gawo chikalata);
• ntchito;
• email kapena webusaiti ya bungwe;
• zikomo (Zikomo kugula wanu!).

Komabe, izi mitundu ya malisiti ndalama chikalata pa chiphaso cha ndalama kasitomala kapena kuchita makadi malipiro ake. Nthawi zina akuyenera kukhala kulandira katundu kale.

Zosiyanasiyana malisiti ndalama: nanga?

Malinga mukupita, komanso mitundu ya katundu ndi ntchito mitundu ya malisiti ndalama conventionally ogaŵikana: pepala ndi zipangizo. Mbali yoyamba, kasitomala amalandira chiphaso kupulinta, ndipo lachiwiri - chabe Baibulo amagetsi.

Mwa njira, pamene kulandira mawonekedwe a pakompyuta kuti nthaŵi zonse bwino anasamutsidwa ndi Baibulo zina za pepala. Koma ichi choyamba kofunika kusindikiza. Chongani pakompyuta kupita pambuyo khadi malipiro kapena pogwiritsa ntchito ndalama pafupifupi m'masitolo Intaneti.

Kodi chiphaso?

Kuwonjezera pa pamwamba, pali mitundu ina ya malonda malisiti. Makamaka, iwo monga pepala onyamula kuti ntchito amalonda payekha kukonza malipoti. Pankhaniyi, akunena za mtundu malonda Pepala, umene ndi womuyenerera analandira kale ndalama zikalata (malisiti). Kawirikawiri sizikhudza mitundu muyezo zochita okhwima chifukwa ali ndi udindo Kuthandiza. Komabe, mfundo izi alipo mwa iwo:

• dzina ndi buku la bukuli;
• funsani tsatanetsatane wa ntchito ya;
• alendo;
• tsiku chiphaso;
• mawonekedwe chiwerengero;
• mndandanda wonse wa katundu;
• kuchuluka;
• siginecha ndi mwatsatanetsatane za munthu ndi udindo opereka cheke.

N'zochititsa chidwi kuti chikalata otere analemba zokhudza aliyense wa katundu anagula ndi ntchito (amaganizira mtengo wake ndi kulemera). Pakuti mayiko anawonjezera losiyanasiyana ntchito ndi macheke olembedwa kuti yoyenera buku nkhani kapena buku ndalama.

Kodi mungatani ndi macheke?

Ngati ife kulankhula za sheya muyezo anaika mu bukhu, ndiye iwo angagwiritsidwe ntchito kulipira katundu ndi ntchito. Chifukwa chotengera pepala akhoza kupeza mankhwala kapena utumiki, koma pokhapokha malipiro awo zonse. Komanso ndi thandizo ndalama kudzakuthandizani kuthetsa vuto nkhondo, mwachitsanzo, ngati inu anagula wolakwika mankhwala kapena osauka kwambiri chinthu. Mwina panali chisokonezo ndi mtengo. Ndipo malisiti thandizo kusunga mbiri ya chiwerengero cha katundu wogulitsa ndi kulandira ndalama komaliza.

Mitundu ya macheke ku Sberbank

Pali pafupifupi malisiti ndi Sberbank. Iwo amagwiritsa zikalata chuma, zikalata ufulu kulandira kuchuluka (kawirikawiri izo zimasiyanasiyana mu osiyanasiyana 10-100 000). Iwo chikalata pa dzina la kasitomala, koma pambuyo kupanga ndalama m'nkhaniyi. N'zochititsa chidwi kuti dzina mu bungwe banki akhoza chikalata zosaposa cheke wina. Ngati n'koyenera, chikalatacho akhoza kulembedwa m'dzina la kasitomala wina. Koma mu nkhani iyi, ndi ufulu wonse kuti izo zikuchoka mwini latsopano.

Izi mitundu ya macheke mulole:

• amalipidwa ndalama mokomera anthu achilengedwe
• ntchito ngati kulipira katundu kapena mautumiki;
• ntchito kutsimikiza malipiro mankhwala misonkhano.

Mu ndalama Bank kale ntchito ndi otchedwa chapaulendo. Timanena za m'munsimu.

ndi "kuyenda" kapena wapaulendo sheya chiyani?

mtundu wina wa chapaulendo amaonedwa kukhala zikalata malipiro. sheya izi kawirikawiri wosindikiza mabungwe kuyenda, mabanki, dongosolo lonse ndalama ndi mabungwe ena azachuma. Kwenikweni, iwo ndi mtundu wa zikalata Pamudzi, limakupatsani kugula ichi kapena kuti utumiki, chofunika. Mwini wa atolankhani malipiro kungakhale chilli zilizonse. Pankhaniyi, pa nthawi ya kugula chofukizira tsogolo la ngati chikalata ayenera kuika siginecha wake pa izo.

Vuto ndalama ku Russia ndi m'mayiko

Mosiyana ambiri limati zakunja RF deta mitundu ya malipiro sizichitika kawirikawiri. Komabe, iwo akugwirabe ena mabungwe a zachuma Mwachitsanzo, poyamba anali Sberbank la Russia. Pa nthawi, kusinthitsa ndi kugula mavocha akhoza kukhala "Svyaz-Bank" VTB Bank of Moscow ndi "BANK URALSIB". N'zochititsa chidwi kuti ena mwa iwo kukonza ngati kanthu ndi mphatso umalimbana Atchule mtundu watsopano ndalama.

Banks, ntchito ndi sheya zikhoza kugulidwa American Express malipiro zida. Pankhaniyi, phindu mwadzina wa macheke ngati ali pakati pa 50 ndi 500 madola US ndi mayuro. Kuchuluka kwa ntchito kugula awo gulu la mlandu mkati 0.5%. Mu rubles banknotes m'banja kapena achilendo ambiri ntchito ngati kusinthitsa ndalama.

Apa, mafani a mitundu ya zikalata ali ndi ufulu kulipira iwo. Mu nkhani iyi, utalembedwa-kuchokera chofunika kuchuluka kwa macheke chofukizira a nkhani. N'zoona malipiro motere angakhoze kokha mu masitolo udindo ufulu (ntchito ufulu). Onse a zikalata kwenikweni umasinthanitsidwa ndalama m'banja kapena achilendo pa pano kusinthitsa ndalama za kubanki.

wotchuka macheke awa ali mu America. Apa iwo angagwiritsidwe ntchito kugula katundu aliyense ndi ntchito. Choncho, ndikupita pa ulendo wa United States bwinobwino ndithu zikalata malipiro m'dera ndalama ofanana.

Kodi kupeza mabanki kusinthitsa ndi kugula?

Pofuna kupeza bungwe kumene mukhoza kugula kapena kusinthitsa chapaulendo wanu, muyenera kupita ku boma gwero Chirasha American Express aetclocator.com. Iwo ayenera kupereka magawo yoyenera, potengera zimene mungapeze nthambi m'dera lanu wa bungwe ndalama. Mwachitsanzo, posankha dziko ndi mzinda Russian wa Moscow, ndipo mukhoza kupeza mndandanda wa mabungwe asanu "Svyaz-Bank".

nkhani zimene mungazipeze pa malo americanexpress.com kale dziko ndi yochezera chinenero mawonekedwe.

Zosiyanasiyana zipangizo ndi mbali ya msewu

Pakalipano mitundu zotsatirazi chapaulendo:

• American Express ndi Visa Interpayment.
• CitiCorp.
• Thomas Cook MasterCard.

American Express imatengedwa wotchuka kwambiri. Iwo ali otchuka kwambiri a issuer, ndi lilipo chifukwa mitundu zotsatirazi ndalama zakunja:

• Australia ndi dollar US;
• Saudi reals;
• ndi mapaundi chabwino;
• RMB;
• dola Canada;
• yuro;
• Japanese yen ndi T. D.

Panthawi ku Russia kuli anthu dollar sheya ndi yuro. Ena nkomwe otchuka. Pachifukwa ichi, ochepa kwambiri a iwo mu makope.

Kodi kugula ndi zovuta?

Kuti kugula chapaulendo lidzafika pa gombe osankhidwa, kulongosola bwino njira ndi kuti zikalata chipembedzo abwino. Pankhaniyi, zikalata muyenera eni kapena yachilendo pasipoti. Atalandira iwo, muyenera kuika siginecha anu mu chapamwamba kumanzere ngodya. Zimenezi zikuthandizani kupewa hassles kugwirizana ndi imfa kapena kuba zida zanu malipiro. M'mawu ena, palibe amene ntchito koma inu. Kutsimikiza kugula anu, monga ulamuliro, ndi chikalata ndipa. Limafotokoza akamanena za kupeza, phindu mwadzina, kuchuluka anakhala ndi mfundo zanu kukhudzana.

Kodi ubwino wa zida msewu chiyani?

Ntchito chapaulendo ndi chifukwa chiwerengero cha ubwino. Mwachitsanzo, zikalata izi kumwalira. Chifukwa cha zimenezi, nthawi zambiri osati kusungidwa kwa zaka, koma mwina tinatengera.

The mwayi wachiwiri ndi luso logwiritsa ntchito macheke linanena bungwe kunja ndalama zambiri. Pankhaniyi, silitanthauza malire aliwonse. Izi ndi zofunika kwambiri makamaka pamene cholinga chachikulu cha ulendo wanu ndi kugula malo kapena galimoto. Komabe, ngati ndalama kuposa $ 10 000, muyenera kulowa mu miyambo kulengeza.

Komanso, macheke ali mwangwiro atatembenuzidwa kunja. Kupatsana iwo zakwawoko, mukhoza kwambiri kusunga. Komanso kukula kwa ntchito kwa nzeru chitetezo wina amangodzionetsera kuposa ndalama imodzi.

Kodi palibe chovuta kugwiritsa ntchito?

Ntchito chapaulendo ndi otetezeka kwambiri. Ngakhale ngati sungataye ngakhale chimodzi, mudzathandiza kuthetsa vutolo mu nthumwi yapafupi ya ndalama kubanki. Kuti abwerenso zikalata malipiro muyenera kokha kuti mupereke chiphaso kapena mwachindunji chiwerengero cha madongosolo ndalama yotayika. Ndipo, ndithudi, zikalata zonse kuyenda anawerengedwa. Choncho, kupatula kwa inu, palibe iwo amene adzatha kutenga ntchito.

zoyipa za ntchito

Pali zinthu zingapo zoipa za ntchito chapaulendo akhoza kuwasiyanitsa chifukwa chakuti inu Mulimonsemo kuthana ndi ndalama. anthu inu mulowe mu yobereka ndi pamene mupanga kugula. Ndipo kupezeka kwa ndalama kunja nthawi zonse kumafuna mavuto ena, monga kuyiwala kapena kuba. Ndipo, ndithudi, ngati mukufuna kusinthitsa zikalata zanu zakwawoko, mabanki ayenera kufunafuna kuti ntchito zimenezi.

Ngati ife kulankhula ambiri za macheke, mayiko awo ndi lodziwikiratu. Iwo wosalira ndondomeko kupeza katundu kapena ntchito, koma pa nthawi yomweyo kugwirizana ndi zina zabwino zina. Makamaka mu Russia, muyenera kuthamanga pofunafuna malo ogulitsira kumvera. yosiyana zilili ndi makhadi. Iwo amatenga iwo kulikonse, cashing ndi kuwombola.