Incwadi ka-Credit - Yini lokhu?

Incwadi ka-Credit - yokukhalaza cashless ukukhokhelwa amakhasimende ebhange nge counterparties. Siveza isibopho isikhungo credit ukudlulisela i-akhawunti yokukhokha umphakeli elisungulwe isamba inkontileka emva sisahlela izimpahla noma izinkonzo. Umtsetfo lokhona ihlinzeka ifomu iyunifomu yokukhokha.

Incwadi ka-Credit - isiqinisekiso sempumelelo kuthengiselana bobabili. Phela, umphakeli uqiniseke ukuthi izimali oludingekayo ekukhokhweni ikhasimende, futhi umthengi ivikelwe kusukela ukulahlekelwa imali yakhe siqu, njengoba nje kuvamile namanje i-akhawunti ehlukile ebhange ukukhonza ke kuze ukugcwaliseka izibopho.

Ngakho, sifunda okwengeziwe ngalokho incwadi wesikweletu futhi ngokuyisisekelo mshini umsebenzi walo. Lapho amaqembu amabili angena esivumelwaneni ukunikeza inkonzo, umbuzo yokukhokha ngesikhathi esifanele. Sifaneleka ikakhulu incwadi wesikweletu uhlobo ukubala amabhizinisi ezisebenza okokuqala futhi namanje ungaqiniseki ubuqotho nomunye.

Ngakho, ngo-ibhange lokukhokha komunye oyedwa sika-akhawunti ehlukile lapho adluliselwe lemali edingekayo. Iqembu lesibili inkontileka ungathola imali engukheshi noma ucele ukudluliselwa kwabo ne-akhawunti yasebhange yakhe kuphela ngemva idokhumenti esiqinisekisa Eqinisweni okuhoxisa kuthengiselana.

Bank sikweleti ngezinhlobo eziningi.

uhlobo Revocable kusikisela ukuthi kungenzeka ukwesulwa noma ukulungiswa iklayenti elikhiphe yasebhange ngaphandle kwesaziso ngaphambi nezinye izinhlangano esivumelwaneni. Kwezinye izimo, isikhungo credit uyothatha isinqumo lapho kuhoxiswa yayo ngaphandle iklayenti ukwamukelwa. Uma izimo akukashintshi, umhlinzeki kwenza imibhalo yasebhange eqinisekisa ukugcwaliseka izibopho, ibhange yomthengi, ngesisekelo lapho yokugcina kumelwe ngokushesha uthumele imali.

Yiqiniso, incwadi revocable wesikweletu cha qinisekisa ngokugcwele, ngakho ngo umkhuba kuyaqabukela esetshenziswa. Njengomthetho, it is akhethiwe izinhlangano eziye ubambisana isikhathi eside futhi degree of ukwethembana phakathi kwabo impela high.

incwadi singenakushintshwa wesikweletu - isibopho ebhange, akakubekezeleli noma yiziphi izinguquko noma izinguquko. Okungukuthi, uma umphakeli uhambise amaphepha adingekayo eqinisekisa sisahlela izimpahla ke imali kufanele idluliselwe ngokungenamibandela. Ekusebenteni, lolu hlobo sibalo isetshenziswa kaningi ngoba kunika ithemba ukuze umzuzi ekugcwalisekeni okuqinile izimo inkontileka.

Kukhona umthetho esingashiwongo: lapho incwadi wesikweletu akazange akhombise ifomu ethize (revocable noma cha), it is ngokuzenzakalelayo kubhekwe singenakushintshwa.

Ungaphinde ukhethe ifomu ezingaqinisekisiwe futhi baqinisekisa. Okokuqala awukwazi ukhansele noma senze noma yikuphi ukulungisa, ngaphandle kokwamukelwa kwemfundiso enye inhlangano. Kuqinisekisiwe incwadi singenakushintshwa wesikweletu ubhekwa enokwethenjelwa kakhulu, njengoba ibhange azisa umzuzi ngokungaziniki ku izibopho ngokusipha imibhalo. Kulokhu, amabhange asebenza ndawonye ukuqinisekisa izidingo ukusebenza izinga.

Ezikhanyisayo incwadi wesikweletu - isibopho a uvuseleleke yasebhange. Njengomthetho, isetshenziswa phakathi kwezinhlangano, ihlele ukuqhubekisela phambili nokubambisana, ezifana izimpahla a amaqoqwana ethile umkhiqizo. Kulokhu, abahlanganyeli ukuthengiselana Awunawo isikhathi ukucela ibhange ukuvula i-akhawunti ahlukene. Imane ukubambela semali abalwe ngemuva kokubeletha ngamunye ekulandiseni umzuzi. Le nqubo iyaphindwa nje lemali iphelile. Khona-ke umthamo wemvula elilandelayo Kwenziwa - futhi umsebenzi uyaqhubeka njengokujwayelekile.

EYurophu lehla ngokushesha inani ukwanda kwezindawo izinhlamvu nge isigatshana oluhlaza noma obomvu. Uhlobo lokuqala ubizwa nangokuthi incwadi wesikweletu nge yokukhokha engamancozuncozu, okungukuthi, mali idluliselwe ngemva kwenkathi ethile yesikhathi emva kokwethula lokuthumela imibhalo ebhange elikhiphe. Uhlobo oluthile "umshwana abomvu" kuhilela Ukukhishwa kwentuthuko kubaphakeli ngaphambi kokuletha imibhalo.