Inkokhelo kubahlinzeki-mpahla ingadluliselwa ngezindleko ezihlukene njengoba kungenye yezinyathelo ezenziwa ku-akhawunti ezihlanganisa ukuguquguquka okukhulu ukuthumela izimali zezimali kochwepheshe noma izinkampani ezihlinzeka ngamasevisi noma imikhiqizo emsebenzini wethu. Ngalesi sizathu uhlu lwezindlela zokukhokha lukhulu kakhulu futhi lungasetshenziswa kuye ngezici zendlela ngayinye yazo.
Amasistimu okukhokha asukela ekubhangeni ngokuqinile bazenze ngokheshi futhi kulabo abasebenzisi abaningi basebhange abajwayele, eziyinkimbinkimbi kakhulu ezisekela isu labo ekusetshenzisweni kwemikhiqizo ethile kulo msebenzi wokubala. Akusigcini isikhathi kangako ekuhwebeni phakathi kwabantu ngakho-ke kufanele ukunakwa okwengeziwe. Uyafuna ukwazi ukuthi iziphi ezinye ezifaneleka kakhulu ukwenza lo msebenzi wezomnotho?
Inkokhelo kubahlinzeki: nge-akhawunti yamanje ezayo
Ingxenye enhle yalezi zinhlobo zokuphatha zenziwa ku-akhawunti yokuhlola, yomuntu siqu noma yobungcweti, lapho izinsizakalo zebhange ezihlukene zicatshangelwa futhi nezici ezichazwe kahle kakhulu. Okunye okuvame kakhulu ukukhokha ngokheshi, nakuba kuhilela inkinga enkulu ekumisweni kwayo kube semthethweni. Akukhona okunye ngaphandle kweqiniso lokuthi ukuthengiselana okungaphezu kwama-euro angu-2.500 akuvunyelwe ekhawulela ukusetshenziswa kwayo ukukhokhela abahlinzeki. Phakathi kwezinye izizathu, ngoba ukweqisa enanini kudala inhlawulo efinyelela ku-25% enanini elithunyelwe.
Ukudluliselwa kwebhange: ingenye yezinketho ezitholakalayo zokuqhuba le nhlangano yokubala futhi ifaneleka ngokukhethekile ukuthengiselana phakathi kwezikhungo zezezimali. Kuyimodeli eguquguqukayo kakhulu ongayisebenzisa, nakuba ngokushintshanisa ingakhuphula amakhomishini aphezulu ekuphathweni kwayo. Ngakolunye uhlangothi, kuzokwenza kube lula kubahlinzeki ukuthi baqoqe lezi zindleko nge-akhawunti.
Imali ekhishwa ngqo: Lolu hlelo lokukhokha luzovumela ukuguquguquka okukhulu kokuthi abahlinzeki baqoqe amanothi ezimali. Ngesizathu esilula kakhulu sokuqonda nokuthi bazoba yibo abalawula isikhathi salezi zinqubo.
Amanothi esithembiso, eqinisekisa...
Phakathi kwelinye iqembu kunezinhlelo zokukhokha ezididiyelwe ezixhunywe kumkhiqizo othile wasebhange noma isevisi onhloso yawo kuwukufeza lezi zinhloso, phakathi kwezinye eziningi. Imiphumela iyafana ne-block yangaphambilini, kodwa kulokhu kusuka kumathuluzi ebhange aqondile ahloselwe lolu hlobo lokusebenza. Njengemikhiqizo elandelayo esiyidalula ngezansi:
- Ngizokhokha: Ifana kakhulu nesheke lasebhange, nakuba linomehluko omkhulu nokuthi linedethi yokuphelelwa yisikhathi okufanele kuhlangatshezwane nayo kuzo zonke izimo. Kuhloswe ngayo ukusebenza ngemibandela yokukhokha ukuze lokhu kungakwazi ukubambezeleka ngokweqile.
- Ukuqinisekisa: Iwuhlelo lokukhokha lwesimanjemanje olusekelwe ekulaleni ibhange ukuthi lenze inkokhelo kumhlinzeki ngedethi ethile. Inenzuzo yokuthi kuzoba yibhange ngokwalo eliphethe lo mnyakazo wokubalwa kwezimali (ngesicelo seklayenti) ukuze uthole ikhomishini. Kunoma ikuphi, kuyodingeka ukuthi kuhlaziywe ukuthi lezi zindleko ziyayinxephezela ngempela yini, ngoba uma iningi lale misebenzi lenziwa, inkokhelo ingaba phezulu kakhulu ezithakazelweni zabasebenzisi.
- Bill of exchange: enye yamamodeli asetshenziswa kakhulu kuze kube yiminyaka embalwa edlule futhi ngokuyisisekelo ibhekisela kudokhumenti yezohwebo lapho inkampani izobe iphethe ukwenza lokhu kudluliselwa kwemali kwelinye ibhizinisi noma umhlinzeki, ivumelana kokubili inani kanye nosuku lokukhishwa. Isetshenziswa ngokujwayelekile ngenxa yokunethezeka okukhulu okucabangayo engxenyeni yokuqala yale nqubo.