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Ivawusha yokukhipha imali nerisidi lokukhokha mahhala
Amaphepha emali uqobo β okwaphuma kumbolekisi, okwabuya, nokuthi ubani osayine ngakunye. Isethi ibeka isamba esiyinhloko esivunyiwe maqondana nokususiwe ngakunye ukuze ifinyelele enanini elisele elinikeziwe, yabele inkokhelo phakathi kwesamba esiyinhloko, inzalo, izimali nezinhlawulo, futhi ishiye indawo yenombolo yolandelelano, isitembu neziginesha ezenza irekhodi lemali ekhashi lifanele ukugcinwa.
Izindlela ezine imali ehamba ngazo
Isigaba senkomba, inani ngamagama, isitembu nemvume yangaphakathi kudlula kuzo zonke ezine. Okushintshayo ukuthi imali ekhashi ihamba ngaliphi icala, ukuthi izinombolo kumele zifike kuphi, nokuthi iphepha lenzelwe ukusikwa libe izingxenye ezimbili yini.
Ukubuka
Wonke umugqa, ibhokisi lokumaka nesikhala sethebhula kumele kugcwaliswe ngukhesheya ngesandla. Akukho okugcwalisiwe, futhi inombolo yolandelelano ishiywe ingenalutho ngamabomu β nika incwadi izinombolo ngaphambi kokuqala ukuyisebenzisa, hhayi njengoba uqhubeka.
Ivawusha Yenkokhelo Nerisidi
Inombolo yolandelelano | Usuku | Igatsha noma ihhovisi | Inombolo ye-akhawunti yemalimboleko |
Igama eligcwele | Inombolo yomazisi noma yephasipoti | Ucingo |
Ukhokhelwa ubani UmbolekwaI-akhawunti yeqembuUmhlinzeki noma umthengisiUmuntu wesithathu ngegunya elibhaliwe | Igama le-akhawunti |
Umhlinzeki noma umthengisi, uma ekhokhelwa ngqo | Inombolo ye-invoyisi noma ye-proforma |
Inkomba yemvume | Usuku lwemvume | Inani elivunyiwe | Ivunywe ngu |
Isivumelwano semalimboleko sisayiniwe YeboChaAkusebenzi | Isibambiso sifakiwe sabhaliswa YeboChaAkusebenzi |
Isibambiso somsizi sisayiniwe safakazelwa YeboChaAkusebenzi | Ubunikazi buqinisekisiwe YeboChaAkusebenzi |
| Into | Inani | Inkomba noma inothi |
|---|---|---|
| Isamba esiyinhloko esivunyiwe | ||
| Kususwe: imali yokulungisa noma yokuqala imalimboleko | ||
| Kususwe: umshwalense wempilo noma wemalimboleko | ||
| Kususwe: imali yokonga eyimpoqo noma idiphozithi | ||
| Kususwe: inzalo noma isikweletu esithathwe kusengaphambili | ||
| Kususwe: okunye okususiwe | ||
| Isamba sokususiwe | ||
| Inani elisele elikhokhwa komamukeli |
Inani elisele elikhokhwayo, ngamagama |
Indlela yokukhokha Imali ekhashiUkudlulisela ebhangeImali yeselulaIshekeUkudlulisela kwangaphakathi |
Ibhange noma umhlinzeki wemali yeselula | Inombolo ye-akhawunti noma yesikhwama | Inkomba yomsebenzi | Usuku lwenani |
Ngiyavuma ukuthi ngilitholile inani elisele elibonisiwe ngenhla, ngendlela ebhalwe kule vawusha, nokuthi konke okususiwe okubhalwe lapha kuchaziwe kimi. Ngiyaqinisekisa ukuthi isivumelwano semalimboleko singibopha ngesamba esiyinhloko esivunyiwe sonke, hhayi ngenani elisele engihamba nalo namuhla kuphela.
Isitembu esisemthethweni | Isigxivizo sesithupha, uma osayinayo engakwazi ukusayina |
| Isikhundla | Igama | Isiginesha | Usuku |
|---|---|---|---|
| Ilungiswe ngu | |||
| Ihloliwe ngu | |||
| Ivunywe ngu | |||
| Ikhokhwe ngu |
Lo mbhalo uyirekhodi lenkokhelo. Usebenza kuphela lapho uphethe iziginesha ezidingekayo ngenhla kanye nesitembu sombolekisi, futhi noma yikuphi ukushintshwa kwenombolo kuwo kumele kusayinwe ngezinhlamvu zokuqala ngulowo owakwenzayo.
Inkomba yefayela | I-akhawunti yeledger | Inombolo yeqoqo |
Kufakwe ngu | Inkomba yesistimu | Kuhlanganiswe ngo |
Ivawusha Yenkokhelo Nerisidi
Inombolo yolandelelano | Usuku | Igatsha noma ihhovisi | Inombolo ye-akhawunti yemalimboleko |
Igama eligcwele | Inombolo yomazisi noma yephasipoti | Ucingo |
Ukhokha ubani UmbolekwaUmsiziUmgcinimafa weqembuUmuntu wesithathu | Umbolekwa, uma engeyena okhokhayo |
Inani ngezinombolo | Inani ngamagama |
Indlela yokukhokha Imali ekhashiUkudlulisela ebhangeImali yeselulaIshekeUkudlulisela kwangaphakathi |
Inkomba yomsebenzi | Usuku lwenani | Isikweletu noma isikhathi esikhokhelwe |
| Kwabelwe ku | Inani |
|---|---|
| Isamba esiyinhloko | |
| Inzalo | |
| Izimali nezindleko | |
| Izinhlawulo nezindleko zokubambezeleka | |
| Imali yomshwalense | |
| Umnikelo wokonga noma idiphozithi | |
| Isamba esitholwe |
Ibhalansi ngaphambili | Ibhalansi emva kwalokho | Izikweletu ezisele | Isikweletu esilandelayo sifika |
Kutholwe ngokubonga, inani elibonisiwe ngenhla, labelwa i-akhawunti yemalimboleko njengoba kuchaziwe kule risidi. Le risidi isebenza kuphela uma isayiniwe futhi ifakwe isitembu ngumbolekisi. Noma yiyiphi ibhalansi ebonisiwe iyibhalansi ngosuku lwale risidi futhi ingashintsha ngenzalo, izindleko noma imisebenzi elandelayo.
Isitembu esisemthethweni | Isigxivizo sesithupha, uma osayinayo engakwazi ukusayina |
| Isikhundla | Igama | Isiginesha | Usuku |
|---|---|---|---|
| Itholwe ngu | |||
| Ifakwe eledgeni ngu |
Lo mbhalo uyirekhodi lenkokhelo. Usebenza kuphela lapho uphethe iziginesha ezidingekayo ngenhla kanye nesitembu sombolekisi, futhi noma yikuphi ukushintshwa kwenombolo kuwo kumele kusayinwe ngezinhlamvu zokuqala ngulowo owakwenzayo.
Inombolo yolandelelano | Usuku | Inombolo ye-akhawunti yemalimboleko | Inani ngezinombolo |
Igama eligcwele | Kutholwe ngu | Inkomba yefayela |
Ivawusha Yenkokhelo Nerisidi
Inombolo yolandelelano | Usuku | Igatsha noma ihhovisi | Inombolo ye-akhawunti yemalimboleko |
Igama eligcwele | Inombolo yomazisi noma yephasipoti | Ucingo |
Ikheli | Uhlobo lwemalimboleko |
| Into | Inani |
|---|---|
| Isamba esiyinhloko esanikezwa ekuqaleni | |
| Inzalo ekhokhiswe kuze kube manje | |
| Izimali, izindleko nezinhlawulo | |
| Isamba esikhokhiswe e-akhawuntini | |
| Kususwe: isamba esikhokhwe ngaphambi kwale nkokhelo | |
| Kususwe: isaphulelo sokukhokhela kusenesikhathi | |
| Inani lokugcina lokukhokhela elitholwe |
Inani ngezinombolo | Inani ngamagama |
Indlela yokukhokha Imali ekhashiUkudlulisela ebhangeImali yeselulaIshekeUkudlulisela kwangaphakathi |
Ibhange noma umhlinzeki wemali yeselula | Inombolo ye-akhawunti noma yesikhwama | Inkomba yomsebenzi | Usuku lwenani |
Ngokutholwa kwenani lokugcina lokukhokhela elibhalwe ngenhla, futhi kusukela ngosuku lwaleyo nkokhelo:
| (a) | i-akhawunti yemalimboleko ebalulwe kulo mbhalo ikhokhelwe ngokugcwele futhi ivaliwe, futhi asikho esinye isikweletu, inzalo, imali noma inhlawulo ekhokhwayo ngaphansi kwayo; |
| (b) | sonke isibambiso, umbambiso, ukudluliswa kwelungelo nelungelo lokubamba impahla okuphethwe ngumbolekisi mayelana naleyo akhawunti kuyakhululwa, futhi umbolekisi uzokwenza konke okudingekayo ngokufanele ukuze kususwe kunoma iyiphi irejista okubhalwe kuyo; |
| (c) | sonke isibambiso somsizi kanye nesiqinisekiso esinikeziwe mayelana naleyo akhawunti siyakhululwa, futhi umsizi ngamunye nombambisi ngamunye ukhululwa kuwo wonke umthwalo ngaphansi kwaso; |
| (d) | wonke amaphepha obunikazi, amaphepha okubhalisa neminye imibhalo efakwe njengesibambiso ibuyiselwa kulowo owayifakile, ngokusayina ethebhulini engezansi; |
| (e) | lesi sitifiketi singakhonjiswa njengobufakazi bokukhokhelwa kunoma yiliphi ihhovisi lezikweletu, irejista noma omunye umuntu wesithathu. |
Gcwalisa le ngxenye ngento ngayinye yesibambiso umbolekisi asiphethe maqondana ne-akhawunti. Lapho umbolekisi engenaso, bhala "asikho" kunokushiya isikhala singenalutho: ithebhula elingagcwalisiwe alihlukaniseki nelingaqediwe, futhi umbolekwa nguye othwala lokho kamuva.
Isibambiso esikhululiwe | Inkomba erejistareni yezibambiso |
Usuku lokukhululwa | Sinikezwe ku | Amaphepha obunikazi abuyisiwe YeboChaAkusebenzi |
| No. | Umsizi noma umbambisi okhululiwe | Inombolo yomazisi noma yokubhalisa | Isikhundla | Isiginesha |
|---|---|---|---|---|
| 1 | ||||
| 2 | ||||
| 3 |
Umbolekisi uyaqinisekisa ukuthi i-akhawunti yemalimboleko ebalulwe ngenhla ikhokhelwe ngokugcwele futhi ivaliwe, ukuthi asikho esinye isamba esiyinhloko, inzalo, imali noma inhlawulo esasele ngaphansi kwayo, nokuthi umbolekisi uyakuyeka konke ukufuna okuvela kuyo ngaphandle kokufuna imali etholwe ngobuqili noma ngokukhuluma amanga.
Isitembu esisemthethweni | Isigxivizo sesithupha, uma osayinayo engakwazi ukusayina |
| Isikhundla | Igama | Isiginesha | Usuku |
|---|---|---|---|
| Ilungiswe ngu | |||
| Ihloliwe ngu | |||
| Ivunywe ngu |
Lo mbhalo uyirekhodi lenkokhelo. Usebenza kuphela lapho uphethe iziginesha ezidingekayo ngenhla kanye nesitembu sombolekisi, futhi noma yikuphi ukushintshwa kwenombolo kuwo kumele kusayinwe ngezinhlamvu zokuqala ngulowo owakwenzayo.
Inkomba yefayela | I-akhawunti yeledger | Inombolo yeqoqo |
Kufakwe ngu | Inkomba yesistimu | Kuhlanganiswe ngo |
Ivawusha Yenkokhelo Nerisidi
Inombolo yolandelelano | Usuku | Igatsha noma ihhovisi | Inombolo ye-akhawunti yeqembu |
Igama leqembu | Usuku lomhlangano |
Usihlalo | Umgcinimafa | Amalungu akhona | Amalungu angekho |
| No. | Igama lelungu | Inombolo ye-akhawunti yemalimboleko | Isikweletu esifikayo | Inani elikhokhiwe | Ukonga | Isiginesha yelungu |
|---|---|---|---|---|---|---|
| 1 | ||||||
| 2 | ||||||
| 3 | ||||||
| 4 | ||||||
| 5 | ||||||
| 6 | ||||||
| 7 | ||||||
| 8 | ||||||
| 9 | ||||||
| 10 | ||||||
| 11 | ||||||
| 12 |
| Into | Inani |
|---|---|
| Izikweletu ezifika kulo mhlangano | |
| Izikweletu zemalimboleko eziqoqiwe | |
| Umehluko oshodayo kulokho okufikayo | |
| Imali yokonga eqoqiwe | |
| Izinhlawulo nezijeziso eziqoqiwe | |
| Isamba semali ekhashi etholwe kulo mhlangano |
Isamba semali ekhashi etholwe, ngamagama |
Indlela yokukhokha Imali ekhashiUkudlulisela ebhangeImali yeselulaIshekeUkudlulisela kwangaphakathi |
Umgcinimafa nesikhulu semalimboleko ababalulwe ngezansi bayaqinisekisa ukuthi inani elibhalwe eduze kwelungu ngalinye ngenhla libalwe phambi kwalelo lungu nokuthi okubhaliwe kuyahambisana nesamba semali ekhashi etholwe. Isiginesha yelungu ngalinye eduze komugqa walo iyirisidi lalelo lungu ngenani elibonisiwe kuwo.
Isitembu esisemthethweni | Isigxivizo sesithupha, uma osayinayo engakwazi ukusayina |
| Isikhundla | Igama | Isiginesha | Usuku |
|---|---|---|---|
| Iqoqwe ngu | |||
| Iqinisekiswe ngu | |||
| Ifakwe ebhange ngu |
Lo mbhalo uyirekhodi lenkokhelo. Usebenza kuphela lapho uphethe iziginesha ezidingekayo ngenhla kanye nesitembu sombolekisi, futhi noma yikuphi ukushintshwa kwenombolo kuwo kumele kusayinwe ngezinhlamvu zokuqala ngulowo owakwenzayo.
Inombolo yolandelelano | Usuku | Inombolo ye-akhawunti yeqembu | Inani ngezinombolo |
Igama leqembu | Amalungu akhona | Kuqoqwe ngu |
Indlela yokusebenzisa lawa mafomu
- 1Nika incwadi izinombolo ngaphambi kokuba noma ubani ayisebenziseNgayinye yalezi iyirekhodi lokubalwa kwezimali, futhi irekhodi lokubalwa kwezimali elingenanombolo yolandelelano alifakazi lutho olukhulu: ivawusha ingabhalwa kabili futhi irisidi lingashabalala lingashiyi sikhala ngemuva kwalo. Phrinta isethi, uyinike izinombolo ngokulandelana, futhi ubike ngamaphepha onakele kunokuwalahla.
- 2Bhala inani ngamagama nangezinomboloAmagama ayisilawuli sezinombolo, futhi yingakho kokubili kusekhasini β lapho kungahambisani, imithetho eminingi nabo bonke abacwaningi mabhuku bathatha amagama. Gcwalisa umugqa wonke bese udweba okusele, ukuze kungabi bikho okungangezwa kunoma yikuphi kwakho ngemuva kwesikhathi.
- 3Ungalokothi uvumele umuntu oyedwa aphathe uchungechunge lonkeIvawusha idinga iziginesha ezine ezahlukene β ilungisiwe, ihloliwe, ivunyiwe, ikhokhiwe β ngoba ukukhipha imali kungumsebenzi umbolekisi akhwatshaniselwa ngawo, futhi isilawuli simane sithi lowo obhala ivawusha akufanele abe nguye onikeza imali ekhashi. Amagama amane, uma kungenjalo isigaba siwumhlobiso nje.
Okuhlanganiswa yisethi
- Inombolo yolandelelano, usuku, igatsha nenkomba ye-akhawunti yemalimboleko ekuqaleni kwawo wonke umbhalo
- Imininingwane yalowo okhokhelwayo noma okhokhayo, kufaka phakathi umuntu wesithathu okhokhela umbolekwa
- Uhlu lokuhlola ngaphambi kwenkokhelo β isivumelwano sisayiniwe, isibambiso sifakiwe, isiqinisekiso sifakazelwe, ubunikazi buqinisekisiwe
- Ithebhula lokususiwe elehlisa isamba esiyinhloko esivunyiwe libe yinani elisele elinikezwe ngempela
- Inani ngamagama nangezinombolo, kuzo zonke izinguqulo ezine
- Amabhokisi okumaka emalini ekhashi, ukudlulisela ebhange, imali yeselula, isheke nokudlulisela kwangaphakathi, nenkomba yomsebenzi eceleni
- Ukwabelwa kwenkokhelo phakathi kwesamba esiyinhloko, inzalo, izimali, izinhlawulo, umshwalense nokonga
- Ibhalansi ngaphambili, ibhalansi emva kwalokho, izikweletu ezisele nosuku lwesikweletu esilandelayo
- Ukukhululwa okunezigatshana ezinezinhlamvu okuvala i-akhawunti futhi kukhulule sonke isibambiso nesiqinisekiso lapho kukhokhelwa
- Uhlu olunezinombolo lweqembu olunesikweletu esifikayo, inani elikhokhiwe, ukonga nekholomu yesiginesha yelungu
- Uhlaka olusikwayo ezinguqulweni ezimbili ezidlula ewindini
- Ithebhula lemvume yangaphakathi, indawo yesitembu esisemthethweni nesigaba sokusetshenziswa yihhovisi
Irekhodi lemali ekhashi lihlala kuphi ngemuva kwalokho?
Idrowa eligcwele amavawusha anezinombolo liyisilawuli kuphela ngesikhathi umuntu esawahlanganisa. I-Lendbox ifaka konke ukukhishwa nakho konke ukukhokha emalimbolekweni naseledgeni ngaso leso sikhathi, yabele inkokhelo phakathi kwesamba esiyinhloko, inzalo, izimali nezinhlawulo ngemithetho oyibekayo esikhundleni sokwenza ngesandla, futhi ibeke imali yosuku eceleni kwalokho okufakwe ebhange ngempela.
Buka ukubalwa kwezimali namaledgerImibuzo abayibuzayo ababolekisi
- Umbhalo wangaphakathi ogunyaza ukuthi imali iphume kumbolekisi futhi obhale ukuthi yaphuma. Ubalula imalimboleko, umamukeli nemvume oyisekelayo, ubonisa isamba esiyinhloko esivunyiwe sehliswe ngakho konke okususiwe kuze kufike enanini elisele elinikezwe ngempela, futhi uphethe iziginesha zalabo abasilungisile, abasihlolile, abasivumile nabasikhokhile. Yilokho umcwaningi mabhuku akucelayo lapho ebuza ukuthi imalimboleko ethile yakhishwa kanjani.
- Ngoba umbolekwa akavamile ukuthola inani avunyelwe lona. Izimali zokulungisa, izimali zomshwalense wempilo, ukonga okuyimpoqo nenzalo ethathwe kusengaphambili kususwa kuqala, futhi umbolekwa osayine inombolo eyodwa wathola enye unesikhalo ngaphandle uma umehluko ubhaliwe futhi uchaziwe. Ukuvuma okungenhla kwesiginesha kusho ngokusobala ukuthi isivumelwano simbopha ngesamba esiyinhloko esivunyiwe sonke, hhayi ngenani elisele aphume nalo.
- Okungenani: inombolo yolandelelano, usuku, ukuthi ubani okhokhile, i-akhawunti okwabelwe kuyo, inani ngamagama nangezinombolo, nesiginesha. Leli futhi labela inkokhelo phakathi kwesamba esiyinhloko, inzalo, izimali, izinhlawulo, umshwalense nokonga futhi libonise ibhalansi ngaphambili nangemuva β ngoba "ngisakweleta malini" ngumbuzo wonke umkhokhi awubuzayo ewindini, futhi ukuwuphendula erisidini kugwema ucingo olulandelayo.
- Irisidi likhona kabili ngokwemvelo yalo: umkhokhi udinga ubufakazi benkokhelo futhi umbolekisi udinga ubufakazi balokho okutholiwe. Izinguqulo ezimbili ezidlula ewindini ziphethe umugqa onamachashazi nohlaka olunenombolo yolandelelano, usuku, i-akhawunti, inani nokuthi ubani oyithathile, ukuze ingxenye egciniwe ibe yirekhodi eliphelele ngokwayo. Ezimbili ezisala efayeleni ziphethe isigaba sokusetshenziswa yihhovisi esikhundleni salokho.
- Ikusho ngokusobala, ekukhululweni okunezigatshana ezinezinhlamvu okuhlanganisa i-akhawunti uqobo, sonke isibambiso nombambiso, sonke isiqinisekiso nesibambiso somsizi, nokubuyiswa kwamaphepha obunikazi ngokusayina. Ukuthi lokho kwanele kuncike ukuthi ukuphi: isibambiso esibhaliswe erejistareni yempahla ehambisayo noma ehhovisi lamatayitela ngokuvamile kumele sikhanselwe nalapho, futhi ukukhululwa kuthembisa ukuthi umbolekisi uzokwenza okudingekayo ngalokho. Kuthathe njengobufakazi bombolekwa nanjengomyalelo kubasebenzi bakho, hhayi njengokukhanselwa uqobo.
- Yilokho inguqulo yokuqoqa yeqembu eyenzelwe kona. Ilungu ngalinye linomugqa onenombolo ophethe isikweletu salo esifikayo, lokho elikhokhile, noma ikuphi ukonga okuthathiwe nesiginesha yalo uqobo, futhi isamba esingezansi kumele sihambisane nemali ekhashi ebalwe emhlanganweni. Isiginesha yelungu eduze komugqa walo iyirisidi lalelo lungu ngenani elikuwo β yingakho ikholomu ikhona, futhi yingakho isimemezelo sibhala ukuthi imali ibalwe phambi kwalo.
Iyini ivawusha yokukhipha imali?
Kungani ivawusha ibonisa okususiwe kunenani elilodwa?
Kufanele kuvele kuphi erisidini lokukhokha imalimboleko?
Kungani kukhona uhlaka olusikwayo?
Ingabe inguqulo yokukhokhela ikhulula ngempela isibambiso?
Ingabe iphepha elilodwa lingahlanganisa umhlangano weqembu wonke?
Leli thempulethi linikezwa njengolwazi olujwayelekile futhi aliyona iseluleko sezomthetho, sokubalwa kwezimali noma sentela. Izidingo zokuphatha imali ekhashi nokukhipha amarisidi ziyahluka kakhulu: amanye amazwe abeka isimo serisidi, isikhathi okumele amavawusha agcinwe ngaso, noma indlela izimali ezisuswe ekukhipheni ezikhokhiswa ngayo intela, futhi imithetho yezikweletu zabathengi ingalawula ukuthi umbolekwa kumele atsheleni ngokususiwe ngaphambi kokuba imali ikhokhwe. Hlolisisa isethi maqondana nezidingo zomlawuli wakho nezinhloso zomcwaningi mabhuku wakho ngaphambi kokuphrinta incwadi yayo.
Yonke inkokhelo isemalimbolekweni, hhayi edroweni
I-Lendbox ibhala konke ukukhishwa nakho konke ukukhokha emalimbolekweni naseledgeni ngesikhathi kwenzeka, yabele inkokhelo phakathi kwesamba esiyinhloko, inzalo, izimali nezinhlawulo ngemithetho yakho, futhi ibonise imali yosuku eceleni kwalokho okufakwe ebhange.
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