Ukushintshaniswa kwempahla yekhwalithi efanele. Yeka ukuthi ungangeni kanjani enkingeni kumthengi

Nsuku zonke senza ukuthenga okuningi. Imikhiqizo, izingubo, izinto zasendlini, izimonyo, imikhiqizo yokunakekela, kanye nazo zonke izinhlobo zezinye izinto eziwusizo. Wonke umthengi uyazi ukuthi ukukhethwa kwezimpahla kuphelele emahlombe akhe. Futhi uma into etholakalayo inesiphambeko, kuyisithakazelo somthengi ukuthi abone lokhu kuntula ngaphambi kokuba "igazi" lakhe liye ku-cashier yomthengisi. Kodwa-ke, umthetho ezweni lethu usekhona ohlangothini lomthengi. Ukuze avikele umthengi kumkhiqizi ongenangqondo, ngubani olungele ukwandisa inzuzo yakhe ngenxa yokwehla kwesigebengu ekhwalithi, kwakhiwe umthetho ohlukile ukulawula ukushintshaniswa kwempahla yekhwalithi efanele. Ulwazi lwedokhumenti luzovumela isakhamuzi ngasinye ukuthi sizibambe ngomshwalense odingekayo futhi sigweme ukukopela engxenyeni yomdayisi. Ngakho-ke, yini eyinhloko yale nqubo? Ake sibone ngokuningiliziwe.

Amalungelo omthengi ngamunye avikelwe ngokomthetho ngomthetho. Uma umuntu ethengile umkhiqizo, ikhwalithi yawo engahlangabezani nazo zonke izidingo ezibekiwe ngamazinga, khona-ke angakwazi ukubuyela kulo mnyango futhi abuyisele imali yakhe. Ngaphezu kwalokho, ukushintshaniswa kwempahla yekhwalithi efanele kuyinkqubo lapho umthengisi ngamunye kufanele asebenzise uma umthengi engafuni ukuhoxisa imali yakhe. Noma kunjalo, kusukela kumthetho ngamunye kukhona, njengoba uyazi, okuhlukile kwabo. Futhi bheka, kukhona, kukhona. Isibonelo, umthetho waseRashiya uhlanganisa uhlu oluqinile lwezimpahla umthengi angeke abuyele kamuva esitolo noma ekushintshaneni. Lezi zihlanganisa ubucwebe, izingubo zangaphansi, ukudla, neminye imikhiqizo eminingi. Kulesi simo, izimpahla ezingenakwanela izinga kufanele zitholwe ngisho nangaphambi kokuthengiswa kokudayiswa kokudayiswa.

Ikhasimende linelungelo lokubuyisela ukuthenga kwakhe hhayi nje kuphela uma ethola ngokuzumayo noma yimuphi umshado noma isici. Uma kwenzeka ukuthi le nto ingamane ifanelane nobukhulu, isitayela, umbala, noma imishini, umuntu angenza futhi ukushintshaniswa kwezimpahla zelungelo elifanele ngenjongo efanayo. Ukuze wenze lokhu, udinga ukuthola irisidi yemali, ebhaliwe ngaphandle kwendawo lapho kuthengwa khona. Uma kungekho ukuqinisekiswa kweqiniso lokuthengiselana, khona-ke umthetho kuleso simo awunamandla. Umthengi akakwazi ukukhononda kumthengisi, yebo, akakwazi. Nakuba, kulokhu, kungenzeka ukubhekisela ebufakazini. Kodwa, ubona, ngokumelene nesizinda sobufakazi obubalulekile njengesikebhe, amagama omuntu wesithathu abukeka engakholeki nakancane. Ngaphezu kwalokho, uhlobo lokuthenga lwangaphandle (lwempahla), ukupakisha kwalo kufanele kugcinwe, futhi le nto ngokwayo akufanele isetshenziswe.

Le nqubo ingagcwaliswa phakathi kwamasonto amabili kusukela ngesikhathi sokuthengwa komkhiqizo kwenziwa. Ukubuyiselwa komkhiqizo obunzima kakhulu kwenziwa ngaphansi kwezimo ezifanayo. Uma, ngesikhathi sokucela komthengi, into efanayo ingatholakali, umthengi angenqaba inkokhelo futhi afune ukubuyiselwa kwemali ekhokhelwa ngokugcwele. Kulokhu, umdayisi kufanele akhokhe isikweletu sakhe kumthengi zingakapheli izinsuku ezintathu. Uma ukushintshaniswa kwezimpahla ezinhle zekhwalithi kuzokwenzeka emva kwesikhathi, bese ngokuvumelana nomthengi imigomo yale nqubo ingadluliselwa. Kulesi simo, umdayisi kufanele azise umthengi ukuthi amukele into phambi kwayo ngokushesha.

Ukuze ungabi esimweni esingathandeki, uma esikhundleni sokuthengwa okufunayo uzothola into ezandleni zakho ezingafanele ngokuphelele ukusetshenziswa kwakho okuqondile, unganika wonke amakhasimende iseluleko esisodwa esiwusizo: thola izimpahla kuphela kulawo mabhizinisi angakunika irisidi yemali. Kulesi simo, yonke inqubo yokulinganisa noma yokubuyisela imali izobe yenziwe lula kakhulu.