I-Debit Direct - kuyini? I-Debit ngaphandle oda umnikazi we-akhawunti

izikweletu sekwephuzile ingenye yezizathu main ukuthi i-akhawunti yekhasimende uzobe ezidonswe ngaphandle kwemvume yakhe imali. Lokhu kuwumkhuba ovamile ukuba semthethweni kusenziwa ngenkuthalo kuxoxwa. Kwezinye izimo, kungase izenzo ezinjalo olunikezwa inkontileka kusengaphambili noma kube umphumela kokusebenza senkantolo ebhange. Iyona ngempela ezingavamile. Nokho, izimo eziningi ixazululwe kuphela ngale ndlela eyenza ithuluzi yokubhala off kuphela indlela kulesi simo.

I-Debit Direct - kuyini?

Eqinisweni, izenzo ezinjalo umthetho ukudluliselwa imali kwi-akhawunti yasebhange yekhasimende esivuna ibhange efanayo noma iyiphi enye inhlangano, ngabanye, izinhlangano zikahulumeni kanye nokunye. Isizathu, njengoba kushiwo ngenhla, ngokuvamile iba enqunyiwe kwinkontileka ilungelo, kodwa ngezinye izikhathi kufanele futhi sisebenze kanye nezinqumo zenkantolo. Kunoma ikuphi, konke lokhu okwenzekayo ngaphandle kwemvume futhi ngezinye izikhathi futhi kungesemehlweni umnikazi we-akhawunti, okuyinto ukukhwabanisa, uma kungekho siyiqiniso elingephikiswe isizathu.

izizathu

Izizathu avame ngempela banal. Bangaze isikweletu emalini ebolekwe ebhange ezingakhokhwanga ukondla obushade naye emuva kwesehlukaniso, izinhlawulo, intela, nokunye. Ngokwemvelo, abantu abafani, abanye nje ungafuni noma abakwazi ukukhokhela lezi inkokhelo. Uzokwenza kufanele kuphawulwe ukuthi amabhange, izinkantolo kanye nabantu abathintekayo lokuqala zonke zamani ukuvumelana ngendlela ngokuthula. Futhi kuphela ke, lapho kuba sobala ngokucacile ukuthi okweletayo akayekethisi futhi benqaba ukuxoxisana, kulandele izinyathelo ezibophayo kakhulu.

Bhala-off yesivumelwano

Ngokuvamile kwinkontileka ukuvula i-akhawunti yamanje noma ikhadi kusengaphambili sihlinzekela ilungelo ukudonsa oqondile. Kusho ukuthini lokho? Iqiniso lokuthi ebhange nganoma yisiphi isikhathi, ingakwazi, ngaphandle kwemvume ezengeziwe we-akhawunti, imali kanye uyithumele endaweni efanele. uhlelo enjalo ingase ibe ngisho kuzuzise, ngoba akubona bonke unekhono ukwenza izinkokhelo ngesikhathi, futhi lesi sinqumo kuzovumela umuntu ukuvumela ebhange ukuze afeze izenzo ezidingekayo egameni lakhe ngesikhathi esifanele. Nokho, njengoba umthetho, a direct debit, isicelo okuyinto ikhasimende utlole kusengaphambili yenziwa ngendlela izimo ikakhulukazi ezingemnandi kuchaziwe ngenhla. Kufanele kuqashelwe ukuthi ibhange akavamile nje ihlinzeka lungelo, kodwa futhi icacisa nezimo lapho ecacisiwe iphuzu isivumelwano angene force. Ngokwesibonelo, kuphela emva ukwanda shi ezikweletini lemali bavumelana. Noma ngemva kwesikhathi esithile lapho-ke kwakudingekile ukuba wenze ukukhokha, kwathatha izinsuku 5. Njalo njalo. Izinketho kungaba omningi, futhi sithembele ebhange futhi kusukela iklayenti, credit, kanye nezinye izinkomba eziningi.

Bhala-off yinkantolo

Lokhu kuyisinqumo esibaluleke kakhulu, yisithunywa direct debit ngaphansi kwazo. Ukuthi kuyini, sekuvele ezichazwe ngenhla, kodwa short, ukuthi emva iziphathimandla zikahulumeni bebelokhu ucabangela isijeziso, oyakungena force dokhumenti, owawuthi ebhange inelungelo ngisho enesibopho esingakanani sokuba imali kwi-akhawunti ye-imali amaklayenti futhi uyithumele ecacisiwe e isinqumo imininingwane. Lokhu kwenzeka ngesikhathi yokungakhokhi ka ukondla obushade naye emuva kwesehlukaniso isikhathi eside, ukwephula imithetho, inhlawulo okuyinto lubonakaliswa Ngokwamanani emali, nokunye. Empeleni, uma kuba naleso simo, abantu bayosola ngokwami, ukuze ngingasebenzisi uvumelana ngokuzithandela sizivumelanise nezimfuneko ezithile noma izibopho, ke kuyodingeka compulsorily ekukhokheleni ke ekhukhwini. Uma wavuma, ayesazobenzela abalahlekelwe imali, kodwa kuyoba okungenani isinqumo unolwazi futhi kubhekwe, ngemuva akuyona ngampela kuzokwenziwa inkantolo.

Ezinye izinhlobo bhala-offs

Ngomqondo onabile, inkulumo kokungaphezulu izinguqulo ezimbili eziyinhloko imicimbi, lapho inhlangano yasebhange unekhono uthinte ngaphandle kwemvume akhawunti iklayenti sika. Zonke ezinye izinketho ngokuvamile kube lokukhwabanisa ngandlela-thile. Uma kungekho sizathu uthinte lesi sikweletu, kodwa kuye kwenziwa, khona-ke ukwephulwa okusongelayo necala lobugebengu belingana ekwebeni noma inkunzi. abasebenzi Bank kudingeka uqaphe kakhulu nge okuvela kuyo izenzakalo ezinjalo. It Kunconywa izikhathi eziningana ukuhlola semthethweni izenzo kanye nobuqotho imibhalo ngaphambi kokuqala lasebhange obungenakuphikwa. Esimeni emazwini kancane noma izikhathi engaqondakali kufanele ngokushesha azise ukuphathwa nokuvikeleka. Uma kungenjalo, kungenzeka embi kakhulu. Ezinye izakhiwo ngokukhethekile olwenziwa ukuhlolwa anjalo ukuze kwaziwe ukuthi eduze noma yimaphi kwabasebenzi ebhange.

I-oda bhala-off

Yonke inqubo ye ukudonsa ngqo kungenziwa ihlukaniswe izigaba eziningana.

1. Isinyathelo sokuqala - okuvela imbangela. Ngokwesibonelo, kungase kube izikweletu ukuthi iklayenti enqaba ukukhokha, noma isikhathi eside yokungakhokhi ka ukondla obushade naye emuva kwesehlukaniso, izinhlawulo, noma izinto ezifanayo.
2. Esigabeni esilandelayo - ukuba semthethweni. Sekuvele kukhona ongakhetha kunokwenzeka, ezisukela ukutholakala ngokuthi kwakungenzeka lokhu kuhlinzekelwe by inkontileka noma ehlukile senkantolo.
3. Ngemva deal nalokhu, imvume liyadingeka inhloko yenhlangano yasebhange, lapho umkweleti uvule akhawunti, okuyinto imali. Lokhu ukugunyazwa kuyakuba ngokuloba futhi walithumela inhloko ezithintekile iyunithi kwesakhiwo.
4. Yena, inquma umsebenzi abayozelusa impela afeze isinqumo (manual noma inkantolo). Banking kuhilela nje isimiso esinjalo kwakuwukuthi.
5. Isisebenzi ebhange wenza zonke izinyathelo ezidingekile, ngokuqinile lokho okulotshwe kule imibhalo isihloko.

Eqinisweni, uma yenziwe kahle, umthwalo kuyoba ngokuphelele okweletayo. Uma senze iphutha uzoba ukuphendula umuntu wabafaka. Ngokwesibonelo, ukuphathwa ebhange, uma wanquma ukubhala off ngaphandle izizathu ezifanele, inhloko yomnyango, wanikeza bebodwa, ngaphandle ubambisene lweziphathimandla noma abasebenzi ilungu noma ngabe azenzile ukusebenza ngaphandle kwedokodo kahle noma obungeke nhlobo uwakhe bebodwa.

Ilungelo ukudonsa oqondile

The mpikiswano mayelana nokuthi ingabe umthethosisekelo yezenzo ezinjalo zisekhona bengayeki. Ngakolunye uhlangothi, kubonakala sengathi kukhona isivumelwano esihlukile noma ukwahlulela. Ngakolunye uhlangothi, kungenzeka, uma uthanda, labizwa ngokuthi ukukhwabanisa ukwephulwa kwakuholela ekuziphatheni okuxekethile. Lena inkinga eyinhloko letibukene Bank ukwenza direct debit uma kunesidingo. Kusho ukuthini lokhu? Lapha konke ulula futhi icacile. Uma umuntu i-akhawunti ngezizathu ezingaziwa, walahlekelwa imali, kungaba ebonisa ngezingcaphuno ukuthi okungalungile ngempela, ibhange ziyophoqeleka ukuba ubuyisele imali. Kwezinye izimo, futhi ukuba ukhokhele enye emihle futhi ukuthi umuntu singenakwenzeka angajabula. Izikhungo zemali ngokuvamile go on the esengozini semthethweni. Engingakusho nje kokukhumbula amasevisi efanayo abaqoqi, ababonakala isinyathelo ngokusemthethweni, kodwa izindlela abazisebenzisayo, uvame ukuqhelelana esisemthethweni.

yi

Ngokuvamile, ukuhoxa akhawunti yekhasimende ngaphandle kwemvume yakhe - inqubo kuyingozi kakhulu ukuthi kumele kwenziwe ngokuqinile ngokuhambisana nemithetho, imithethonqubo, izivumelwano nokunye. Noma yimaphi amaphutha noma ukwephula kule sikhathi nje akwamukeleki, ngoba zingaba nemiphumela enqabayo kakhulu futhi eside. Banking ngayo kule ndaba yilena kakhulu ezimbi sengqondo maqondana lo kakhulu udinga ukwenza bhala-offs. Uma kukhona enye indlela yokuxazulula le nkinga, kuba isikhungo sezezimali ekhetha kuye, ngisho noma kungaba inzuzo engaphansi nokuningi welulela ngesikhathi.