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Ivawutsha yokukhupha imali nerisiti yokubuyisa simahla
Amaxwebhu emali ngokwayo β okuphume kumboleki-mali, okubuyileyo, nokuba ngubani otyikitye kokunye nokunye. Iseti ibeka isixa esiphambili esivunyiweyo ngokuchasene nento nganye ekhutshwayo ukuze ifike kwisixa esiseleyo esinikeziweyo, yabele intlawulo phakathi kwesixa esiphambili, inzala, iimali nezohlwayo, kwaye ishiye indawo yenombolo yolandelelwano, isitampu notyikityo olwenza irekhodi lemali ekhaphu lifanele ukugcinwa.
Iindlela ezine imali ehamba ngazo
Isahlulo sesalathiso, isixa ngamagama, isitampu nemvume yangaphakathi zidlula kuzo zone. Okutshintshayo licala imali ekhaphu ehamba ngalo, into amanani amele afike kuyo, nokuba iphepha lenzelwe ukusikwa libe ziinxalenye ezimbini na.
Ukubuka
Wonke umgca, ibhokisi lokuphawula nesithuba setheyibhile simele sigcwaliswe ngumkhaphi wemali ngesandla. Akukho nto igcwalisiweyo, kwaye inombolo yolandelelwano ishiywe ingenanto ngabom β nika incwadi iinombolo phambi kokuba uqale ukuyisebenzisa, hayi njengoko uqhubeka.
Ivawutsha Yentlawulo Nerisiti
Inombolo yolandelelwano | Umhla | Isebe okanye i-ofisi | Inombolo ye-akhawunti yemali-mboleko |
Igama elipheleleyo | Inombolo yesazisi okanye yepasipoti | Umnxeba |
Uhlawulwa ngubani UmbolekiI-akhawunti yeqelaUmthengisi okanye iarhenteUmntu wesithathu ngegunya elibhaliweyo | Igama le-akhawunti |
Umthengisi okanye iarhente, ukuba uhlawulwa ngokuthe ngqo | Inombolo ye-invoyisi okanye ye-proforma |
Isalathiso semvume | Umhla wemvume | Isixa esivunyiweyo | Ivunywe ngu |
Isivumelwano semali-mboleko sityikitywe EweHayiAkusebenzi | Isibambiso singenisiwe sabhaliswa EweHayiAkusebenzi |
Isiqinisekiso somqinisekisi sityikitywe sangqinelwa EweHayiAkusebenzi | Isazisi siqinisekisiwe EweHayiAkusebenzi |
| Into | Isixa | Isalathiso okanye inqaku |
|---|---|---|
| Isixa esiphambili esivunyiweyo | ||
| Kukhutshwe: imali yokulungiselela okanye yokuqalisa | ||
| Kukhutshwe: i-inshorensi yobomi okanye yemali-mboleko | ||
| Kukhutshwe: imali yokonga enyanzelekileyo okanye idipozithi | ||
| Kukhutshwe: inzala okanye inxalenye ethathwe kwangaphambili | ||
| Kukhutshwe: ezinye izinto ezikhutshwayo | ||
| Isixa esipheleleyo esikhutshiweyo | ||
| Isixa esiseleyo esihlawulwa umamkeli |
Isixa esiseleyo esihlawulwayo, ngamagama |
Indlela yokuhlawula Imali ekhaphuUdluliso lwasebhankiniImali yeselulaItshekiUdluliso lwangaphakathi |
Ibhanki okanye umboneleli wemali yeselula | Inombolo ye-akhawunti okanye yesipaji | Isalathiso sentengiselwano | Umhla wexabiso |
Ndiyavuma ukuba ndisifumene isixa esiseleyo esiboniswe ngasentla, ngendlela ebhalwe kule vawutsha, nokuba yonke into ekhutshiweyo edweliswe apha ndiyicaciselwe. Ndiyaqinisekisa ukuba isivumelwano semali-mboleko sindibopha ngesixa esiphambili sonke esivunyiweyo, kungekhona ngesixa esiseleyo endihamba naso namhlanje kuphela.
Isitampu esisemthethweni | Umnwe wesithupha, ukuba otyikityayo akakwazi ukutyikitya |
| Isikhundla | Igama | Utyikityo | Umhla |
|---|---|---|---|
| Ilungiswe ngu | |||
| Ijongwe ngu | |||
| Ivunywe ngu | |||
| Ihlawulwe ngu |
Olu xwebhu lurekhodi lwentlawulo. Lusebenza kuphela apho luphethe utyikityo olufunekayo ngasentla kunye nesitampu somboleki-mali, kwaye naluphi na utshintsho kwinani kulo lumele lutyikitywe ngoonobumba bokuqala ngulowo walwenzayo.
Isalathiso sefayile | I-akhawunti yeleja | Inombolo yeqela |
Ifakwe ngu | Isalathiso senkqubo | Ihlanganiswe nge |
Ivawutsha Yentlawulo Nerisiti
Inombolo yolandelelwano | Umhla | Isebe okanye i-ofisi | Inombolo ye-akhawunti yemali-mboleko |
Igama elipheleleyo | Inombolo yesazisi okanye yepasipoti | Umnxeba |
Uhlawula ngubani UmbolekiUmqinisekisiUnondyebo weqelaUmntu wesithathu | Umboleki, ukuba asinguye ohlawulayo |
Isixa ngamanani | Isixa ngamagama |
Indlela yokuhlawula Imali ekhaphuUdluliso lwasebhankiniImali yeselulaItshekiUdluliso lwangaphakathi |
Isalathiso sentengiselwano | Umhla wexabiso | Inxalenye okanye ithuba elihlawulwe |
| Kwabelwe ku | Isixa |
|---|---|
| Isixa esiphambili | |
| Inzala | |
| Iimali neendleko | |
| Izohlwayo neendleko zokulibaziseka | |
| Imali ye-inshorensi | |
| Igalelo lokonga okanye idipozithi | |
| Iyonke efunyenweyo |
Ibhalansi ngaphambili | Ibhalansi emva koko | Amatyala aseleyo | Inxalenye elandelayo ifika |
Ifunyenwe ngombulelo, isixa esiboniswe ngasentla, sabelwa i-akhawunti yemali-mboleko njengoko kucaciswe kule risiti. Le risiti isebenza kuphela xa ityikitywe kwaye ifakwe isitampu ngumboleki-mali. Nayiphi na ibhalansi eboniswayo yibhalansi ngomhla wale risiti kwaye inokutshintsha ngenxa yenzala, iindleko okanye iintengiselwano ezilandelayo.
Isitampu esisemthethweni | Umnwe wesithupha, ukuba otyikityayo akakwazi ukutyikitya |
| Isikhundla | Igama | Utyikityo | Umhla |
|---|---|---|---|
| Ifunyenwe ngu | |||
| Ifakwe kwileja ngu |
Olu xwebhu lurekhodi lwentlawulo. Lusebenza kuphela apho luphethe utyikityo olufunekayo ngasentla kunye nesitampu somboleki-mali, kwaye naluphi na utshintsho kwinani kulo lumele lutyikitywe ngoonobumba bokuqala ngulowo walwenzayo.
Inombolo yolandelelwano | Umhla | Inombolo ye-akhawunti yemali-mboleko | Isixa ngamanani |
Igama elipheleleyo | Ifunyenwe ngu | Isalathiso sefayile |
Ivawutsha Yentlawulo Nerisiti
Inombolo yolandelelwano | Umhla | Isebe okanye i-ofisi | Inombolo ye-akhawunti yemali-mboleko |
Igama elipheleleyo | Inombolo yesazisi okanye yepasipoti | Umnxeba |
Idilesi | Uhlobo lwemali-mboleko |
| Into | Isixa |
|---|---|
| Isixa esiphambili esanikwa ekuqaleni | |
| Inzala ebizwe kude kube ngoku | |
| Iimali, iindleko nezohlwayo | |
| Iyonke ebizwe kwi-akhawunti | |
| Kukhutshwe: iyonke ehlawulwe ngaphambi kwale ntlawulo | |
| Kukhutshwe: isaphulelo sokuhlawula kwangethuba | |
| Isixa sokugqibela sokuhlawula esifunyenweyo |
Isixa ngamanani | Isixa ngamagama |
Indlela yokuhlawula Imali ekhaphuUdluliso lwasebhankiniImali yeselulaItshekiUdluliso lwangaphakathi |
Ibhanki okanye umboneleli wemali yeselula | Inombolo ye-akhawunti okanye yesipaji | Isalathiso sentengiselwano | Umhla wexabiso |
Ekufumaneni isixa sokugqibela sokuhlawula esibhalwe ngasentla, kwaye ukususela kumhla waloo ntlawulo:
| (a) | i-akhawunti yemali-mboleko ekhankanywe kolu xwebhu ihlawulwe ngokupheleleyo kwaye ivaliwe, kwaye akukho nxalenye, nzala, mali okanye sohlwayo esihlawulwayo phantsi kwayo; |
| (b) | sonke isibambiso, umbambiso, udluliso lwelungelo nelungelo lokubamba impahla aphethwe ngumboleki-mali ngokumalunga naloo akhawunti siyakhululwa, kwaye umboleki-mali uya kwenza konke okufunekayo ngokusengqiqweni ukuze kususwe kuyo nayiphi na irejista ekubhalwe kuyo; |
| (c) | sonke isiqinisekiso somqinisekisi kunye nesiqinisekiso esinikiweyo ngokumalunga naloo akhawunti siyapheliswa, kwaye umqinisekisi ngamnye nombambisi ngamnye ukhululwa kuwo wonke uxanduva phantsi kwaso; |
| (d) | onke amaxwebhu obunini, amaphepha obhaliso namanye amaxwebhu afakwe njengesibambiso abuyiselwa kulowo wawafakayo, ngokutyikitya kwitheyibhile engezantsi; |
| (e) | esi siqinisekiso singaboniswa njengobungqina bokuhlawulwa kuyo nayiphi na i-ofisi yamatyala, irejista okanye omnye umntu wesithathu. |
Gcwalisa le nxalenye kwinto nganye yesibambiso umboleki-mali asiphetheyo ngokumalunga ne-akhawunti. Apho umboleki-mali engenaso, bhala "akukho" endaweni yokushiya isithuba singenanto: itheyibhile engagcwaliswanga ayahlukani nengagqitywanga, kwaye ngumboleki oyithwalayo loo nto emva kwexesha.
Isibambiso esikhululweyo | Isalathiso kwirejista yezibambiso |
Umhla wokukhululwa | Sinikezelwe ku | Amaxwebhu obunini abuyiselwe EweHayiAkusebenzi |
| Inom. | Umqinisekisi okanye umbambisi okhululweyo | Inombolo yesazisi okanye yobhaliso | Isikhundla | Utyikityo |
|---|---|---|---|---|
| 1 | ||||
| 2 | ||||
| 3 |
Umboleki-mali uyaqinisekisa ukuba i-akhawunti yemali-mboleko ekhankanywe ngasentla ihlawulwe ngokupheleleyo kwaye ivaliwe, ukuba akukho sinye isixa esiphambili, inzala, imali okanye isohlwayo esiseleyo phantsi kwayo, nokuba umboleki-mali uyalushiya lonke ibango elivela kuyo ngaphandle kwebango lesixa esifunyenwe ngobuqhetseba okanye ngentetho engeyonyani.
Isitampu esisemthethweni | Umnwe wesithupha, ukuba otyikityayo akakwazi ukutyikitya |
| Isikhundla | Igama | Utyikityo | Umhla |
|---|---|---|---|
| Ilungiswe ngu | |||
| Ijongwe ngu | |||
| Ivunywe ngu |
Olu xwebhu lurekhodi lwentlawulo. Lusebenza kuphela apho luphethe utyikityo olufunekayo ngasentla kunye nesitampu somboleki-mali, kwaye naluphi na utshintsho kwinani kulo lumele lutyikitywe ngoonobumba bokuqala ngulowo walwenzayo.
Isalathiso sefayile | I-akhawunti yeleja | Inombolo yeqela |
Ifakwe ngu | Isalathiso senkqubo | Ihlanganiswe nge |
Ivawutsha Yentlawulo Nerisiti
Inombolo yolandelelwano | Umhla | Isebe okanye i-ofisi | Inombolo ye-akhawunti yeqela |
Igama leqela | Umhla wentlanganiso |
Usihlalo | Unondyebo | Amalungu akhoyo | Amalungu angekhoyo |
| Inom. | Igama lelungu | Inombolo ye-akhawunti yemali-mboleko | Inxalenye efikayo | Isixa esihlawulweyo | Ukonga | Utyikityo lwelungu |
|---|---|---|---|---|---|---|
| 1 | ||||||
| 2 | ||||||
| 3 | ||||||
| 4 | ||||||
| 5 | ||||||
| 6 | ||||||
| 7 | ||||||
| 8 | ||||||
| 9 | ||||||
| 10 | ||||||
| 11 | ||||||
| 12 |
| Into | Isixa |
|---|---|
| Iinxalenye ezifika kule ntlanganiso | |
| Iinxalenye zemali-mboleko eziqokelelweyo | |
| Umahluko oshotayo kwezo zifikayo | |
| Imali yokonga eqokelelweyo | |
| Izohlwayo nezigwebo eziqokelelweyo | |
| Iyonke imali ekhaphu efunyenwe kule ntlanganiso |
Iyonke imali ekhaphu efunyenweyo, ngamagama |
Indlela yokuhlawula Imali ekhaphuUdluliso lwasebhankiniImali yeselulaItshekiUdluliso lwangaphakathi |
Unondyebo negosa lemali-mboleko akhankanywe ngezantsi bayaqinisekisa ukuba isixa esibhalwe ecaleni kwelungu ngalinye ngasentla sibalwe phambi kwelo lungu nokuba okubhaliweyo kuyahambelana neyonke imali ekhaphu efunyenweyo. Utyikityo lwelungu ngalinye ecaleni komgca walo lulurisiti lwelo lungu ngesixa esiboniswe kuwo.
Isitampu esisemthethweni | Umnwe wesithupha, ukuba otyikityayo akakwazi ukutyikitya |
| Isikhundla | Igama | Utyikityo | Umhla |
|---|---|---|---|
| Iqokelelwe ngu | |||
| Iqinisekisiwe ngu | |||
| Ifakwe ebhankini ngu |
Olu xwebhu lurekhodi lwentlawulo. Lusebenza kuphela apho luphethe utyikityo olufunekayo ngasentla kunye nesitampu somboleki-mali, kwaye naluphi na utshintsho kwinani kulo lumele lutyikitywe ngoonobumba bokuqala ngulowo walwenzayo.
Inombolo yolandelelwano | Umhla | Inombolo ye-akhawunti yeqela | Isixa ngamanani |
Igama leqela | Amalungu akhoyo | Iqokelelwe ngu |
Indlela yokusebenzisa ezi fomu
- 1Nika incwadi iinombolo phambi kokuba nabani na ayisebenziseNganye kwezi yirekhodi yokubalwa kweemali, kwaye irekhodi yokubalwa kweemali engenanombolo yolandelelwano ingqina okuncinci kakhulu: ivawutsha inokubhalwa kabini kwaye irisiti inokunyamalala ingashiyi sikhewu emva kwayo. Printa iseti, uyinike iinombolo ngokulandelelana, kwaye unike ingxelo ngamaphepha onakeleyo endaweni yokuwalahla.
- 2Bhala isixa ngamagama kwanangamananiAmagama ngumlawuli wamanani, yiyo loo nto omabini esekhasini β apho ahlukana khona, imithetho emininzi nabo bonke abaphicothi-zincwadi bathabatha amagama. Gcwalisa umgca wonke uze ukrwele okuseleyo, ukuze kungabikho nto inokongezwa nakweliphi na emva kwexesha.
- 3Ungaze uvumele umntu omnye abambe umxokelelwane wonkeIvawutsha ifuna utyikityo olune olwahlukeneyo β ilungisiwe, ijongiwe, ivunyiwe, ihlawulwe β kuba ukukhupha imali lulo utyengiselwano umboleki-mali aqhathwa ngalo, kwaye ulawulo lumane luthi lowo ubhala ivawutsha akafanele abe nguye onikezela imali ekhaphu. Amagama amane, kungenjalo isahlulo sihombiso nje.
Oko kuquka iseti
- Inombolo yolandelelwano, umhla, isebe nesalathiso se-akhawunti yemali-mboleko entlokweni yalo lonke uxwebhu
- Iinkcukacha zalowo uhlawulwayo okanye ohlawulayo, kuquka umntu wesithathu ohlawulela umboleki
- Uluhlu lokukhangela phambi kwentlawulo β isivumelwano sityikitywe, isibambiso singenisiwe, isiqinisekiso singqinelwe, isazisi siqinisekisiwe
- Itheyibhile yokukhutshwayo ehlisa isixa esiphambili esivunyiweyo sibe sisixa esiseleyo esinikezelwe ngokwenene
- Isixa ngamagama kwanangamanani, kuzo zone iinguqulelo
- Iibhokisi zokuphawula zemali ekhaphu, udluliso lwasebhankini, imali yeselula, itsheki nodluliso lwangaphakathi, nesalathiso sentengiselwano ecaleni
- Ukwabiwa kwentlawulo phakathi kwesixa esiphambili, inzala, iimali, izohlwayo, i-inshorensi nokonga
- Ibhalansi ngaphambili, ibhalansi emva koko, amatyala aseleyo nomhla wenxalenye elandelayo
- Ukukhululwa okuneenxalenye ezinoonobumba okuvala i-akhawunti kwaye kukhulule sonke isibambiso nesiqinisekiso xa kuhlawulwa
- Uluhlu olunenombolo lweqela olunenxalenye efikayo, isixa esihlawulweyo, ukonga nekholam yotyikityo lwelungu
- Isiqwenga esisikwayo kwiinguqulelo ezimbini ezidlula efestileni
- Itheyibhile yemvume yangaphakathi, indawo yesitampu esisemthethweni nesahlulo sokusetyenziswa yi-ofisi
Irekhodi lemali ekhaphu lihlala phi emva koko?
Idrowa ezele iivawutsha ezinenombolo ilulawulo kuphela ngelixa kukho umntu ozidibanisayo. I-Lendbox ifaka konke ukukhutshwa nako konke ukubuyiswa kwimali-mboleko nakwileja ngoko nangoko, yabele intlawulo phakathi kwesixa esiphambili, inzala, iimali nezohlwayo ngemigaqo oyibekayo endaweni yokwenza ngesandla, kwaye ibeke imali yosuku ecaleni koko kufakwe ebhankini ngokwenene.
Jonga ukubalwa kweemali neelejaImibuzo abayibuzayo ababoleki-mali
- Luxwebhu lwangaphakathi olugunyazisa ukuba imali iphume kumboleki-mali kwaye lubhale ukuba iphumile. Lukhankanya imali-mboleko, umamkeli nemvume elusekelweyo, lubonisa isixa esiphambili esivunyiweyo sihlisiwe ngento nganye ekhutshwayo kude kufike kwisixa esiseleyo esinikezelwe ngokwenene, kwaye luphethe utyikityo lwabo balulungisayo, balujongayo, baluvumayo nabaluhlawulayo. Yiloo nto umphicothi-zincwadi ayibuzayo xa ebuza ukuba imali-mboleko ethile yakhutshwa njani.
- Kuba umboleki akafane afumane isixa avunyelwe sona. Iimali zokulungiselela, iimali ze-inshorensi yobomi, ukonga okunyanzelekileyo nenzala ethathwe kwangaphambili zikhutshwa kuqala, kwaye umboleki otyikitye inani elinye waza wafumana elinye unesikhalazo ngaphandle kokuba umahluko ubhaliwe kwaye ucaciswe. Ukuvuma okungentla kotyikityo kuthi ngokucacileyo isivumelwano simbopha ngesixa esiphambili sonke esivunyiweyo, kungekhona ngesixa esiseleyo aphume naso.
- Ubuncinane: inombolo yolandelelwano, umhla, ukuba ngubani ohlawulileyo, i-akhawunti eyabelwe kuyo, isixa ngamagama nangamanani, notyikityo. Le kwakhona yabela intlawulo phakathi kwesixa esiphambili, inzala, iimali, izohlwayo, i-inshorensi nokonga kwaye ibonise ibhalansi ngaphambili nasemva β kuba "ndisatyala malini" ngumbuzo wonke umhlawuli awubuzayo efestileni, kwaye ukuwuphendula kwirisiti kuphepha umnxeba olandelayo.
- Irisiti ikho kabini ngokwendalo yayo: umhlawuli ufuna ubungqina bentlawulo kwaye umboleki-mali ufuna ubungqina boko kufunyenweyo. Iinguqulelo ezimbini ezidlula efestileni ziphethe umgca onamachaphaza nesiqwenga esinenombolo yolandelelwano, umhla, i-akhawunti, isixa nokuba ngubani osithathileyo, ukuze isiqingatha esigciniweyo sibe yirekhodi epheleleyo ngokwayo. Ezimbini eziseleyo kwifayile ziphethe isahlulo sokusetyenziswa yi-ofisi endaweni yoko.
- Ikutsho ngokucacileyo, kukukhululwa okuneenxalenye ezinoonobumba okuquka i-akhawunti ngokwayo, sonke isibambiso nombambiso, sonke isiqinisekiso nesiqinisekiso somqinisekisi, nokubuyiswa kwamaxwebhu obunini ngokutyikitya. Ukuba oko kwanele kuxhomekeka kwindawo okuyo: isibambiso esibhaliswe kwirejista yempahla ehambayo okanye kwi-ofisi yamatayitile ngokuqhelekileyo kufuneka sirhoxiswe naphaya, kwaye ukukhululwa kuthembisa ukuba umboleki-mali uya kwenza oko kufunekayo. Kuthathe njengobungqina bomboleki nanjengomyalelo kubasebenzi bakho, kungekhona njengokurhoxiswa ngokwako.
- Yiloo nto inguqulelo yokuqokelela yeqela yenzelwe yona. Ilungu ngalinye linomgca onenombolo ophethe inxalenye yalo efikayo, oko lihlawulileyo, nakuphi na ukonga okuthathiweyo notyikityo lwalo ngokwalo, kwaye isixa esingezantsi kufuneka sihambelane nemali ekhaphu ebalwe entlanganisweni. Utyikityo lwelungu ecaleni komgca walo lulurisiti lwelo lungu ngesixa esikuwo β yiyo loo nto ikholam ikho, kwaye yiyo loo nto isibhengezo sibhala ukuba imali ibalwe phambi kwalo.
Yintoni ivawutsha yokukhupha imali?
Kutheni ivawutsha ibonisa okukhutshwayo endaweni yesixa esinye?
Kufuneka kuvele ntoni kwirisiti yokubuyisa imali-mboleko?
Kutheni kukho isiqwenga esisikwayo?
Ngaba inguqulelo yokuhlawula iyasikhulula ngokwenene isibambiso?
Ngaba iphepha elinye linokuquka intlanganiso yonke yeqela?
Le thempleyithi inikwa njengolwazi olujikelele kwaye asiyongcebiso yezomthetho, yokubalwa kweemali okanye yerhafu. Iimfuno zokuphatha imali ekhaphu nokukhupha iirisiti ziyahluka kakhulu: amanye amazwe abeka ubume berisiti, ithuba iivawutsha ekufuneka zigcinwe ngalo, okanye indlela iimali ezikhutshwa ekukhutshweni kwemali ezirhafiswa ngayo, kwaye imithetho yamatyala abathengi inokulawula oko umboleki ekufuneka axelelwe kona ngokukhutshwayo phambi kokuba imali ihlawulwe. Yijonge iseti ngokuchasene neemfuno zomlawuli wakho nezinto ezilindelwe ngumphicothi-zincwadi wakho phambi kokuba uprinte incwadi yayo.
Yonke intlawulo isemali-mbolekweni, kungekhona edroweni
I-Lendbox ibhala konke ukukhutshwa nako konke ukubuyiswa kwimali-mboleko nakwileja ngexesha kwenzeka, yabele intlawulo phakathi kwesixa esiphambili, inzala, iimali nezohlwayo ngemigaqo yakho, kwaye ibonise imali yosuku ecaleni koko kufakwe ebhankini.
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