Ukubuyiselwa kwemali izimpahla: amathuba, isikhathi kanye isinyathelo ngesinyathelo imiyalelo

Ngezinye izikhathi, uza ukuthenga okuthile. isikhathi eside ukuze ukhethe, ibuke, ukungabaza ukuthi isinqumo. Paid imali, izimpahla alethwe ekhaya ... futhi wathola umshado! Zizwakala zijwayelekile? okuhlangenwe nakho Impela zinjalo ezingemnandi nge wonke umuntu okungenani kanye ezimpilweni zabo. Kodwa yini okufanele uyenze manje, nika umdayisi imali esikhokhiwe? Othile uyokwenza kanjalo, kodwa kuphela uma sikhuluma encane tibalo. Endabeni ucishe ezibizayo ukuthenga umthengi kufanele akulindele imbuyiselo izimpahla noma exchange ngayo omusha, omuhle izinga. Ngenhlanhla, umthetho kuleli cala, kuthatha ohlangothini umthengi futhi inikeza eziningi lapho athatha khona kalula ubuyisele imikhiqizo.

Lapho ukubuya imali izimpahla

Umthetho ihlinzeka ngemali emuva inketho umkhiqizo izinga. Nokho, ukwenza kube kungenzeka kuphela uma izimo ezine ingafinyelelwa:

• imikhiqizo kungukuthi esondela kuwe ku isitayela, usayizi, ukumisa, isayizi nembala;
• esitolo akuyona umkhiqizo izinga okuhle, ungayithola enye nepodoshedshy wena;
• izimpahla ezingekho ohlwini awekho ngaphansi exchange of eliphezulu izimpahla;
• osukwini othenge Kwakungekhona ngaphezu nanhlanu ezinsukwini.

Uma sikhuluma imikhiqizo onesici, umthengi has kukhethwa izenzo ezilandelayo:

• imbuyiselo empahleni singenele izinga;
• esikhundleni izimpahla;
• ukulungisa ngumthengisi;
• ukulungiswa ngezindleko ikhasimende, kodwa nge izimbuyiselo nomthengisi.

Endabeni imikhiqizo kwakunjalo ukukhanda izinsuku ezilandelanayo 30 noma izinsuku ezingu-45 inani, ikhumbula, kanye uma kwakukhona elilungisiwe ukwehluleka wesibili, umthengi naye unegunya ukuba bahoxe ekungeneleni umkhiqizo onesici bese ucela ukubuyiselwa imali.

Lapho emuva imali ngeke kwenzeke

Kuyinto engenakwenzeka ukuthola imbuyiselo izimpahla kulezi zimo ezilandelayo:

• umshado Kwaphakama ngenxa umthengi;
• nto libhekisela uyinkimbinkimbi, futhi kusukela osukwini othenge isidlulile izinsuku ezingaphezu kwezingu-nanhlanu;
• umthengi akazange ukulondoloza idokhumenti futhi ayikwazanga ukuthola ofakazi ababili eqinisekisa ukuthenga.

Imigomo Mkhiqizo Buyisela

Uma umthengi ukhetha okufanele zibuyiselwe kwemali esetshenzisiwe, imikhiqizo onesici, kuyodingeka ushiye umdayisi. Ukubuyiselwa kwemali izimpahla kungenzeka kulo yayo sewaranti. Okuhlukile izindlela uyinkimbinkimbi ongazithatha esitolo uma ithola umshado kuphela ezinsukwini zokuqala eziyishumi nanhlanu kokuthenga. A uhlu oluphelele mikhiqizo evunyiwe 2011 futhi kuhlanganisa:

• izindiza;
• eklanyelwe waqhutshelwa emigwaqeni yomphakathi izimoto;
• imishini wezolimo;
• kusho ukuhamba iqhwa (ezithuthuthwini);
• elintantayo izindlela;
• amakhompyutha, ezincwadini, izibali, abanyathelisi, amathelevishini, amakhamera digital, video amakhamera;
• amafriji, amanzi ashisayo, endzaweni lephephile, imishini yokuwasha, Ohhavini, emoyeni conditioners, yokugeza izitsha;
• amageyimu;
• satellite TV amasethi;
• Isisetshenziswa imishini yezokuxhumana engenazo izintambo lokuzula.

Kanjani ukuze uthole imbuyiselo izimpahla: igxathu negxathu Umhlahlandlela

Akusiyo imfihlo ukuthi abathengisi do abangekho like ukubuya imali ibe usizo emshadweni, futhi ngokuvamile Uphikelele Kulokho bayawukhanda noma exchange. Nokho, kufanele ube ezithile: uma ungafuni ukuba ibhizinisi lo mkhiqizo, futhi ufuna ukuthola imali yakho emuva, une lokhu kuqinisekiswa umthetho ilungelo! Njengoba esifanayo kufanele kwenziwe kanjalo hhayi ukuchitha isikhathi, okubaluleke, imizwa:

1. Bhala isitatimende mayelana ukuqedwa kwenkontileka sokuthenga / ukudayiswa, lapho nencazelo emfushane yalokho okwenzekayo umkhiqizo, lapho nathengwa, lapho futhi ngaphansi kwaziphi izimo wathola umshado nokuthi iquketheni. Sayina bese ubhala usuku. Isicelo kumele sibe okuphindiwe.

2. Isicelo kufanele ahlanganisa amakhophi emigomo yokugcinwa ikhadi iwaranti kanye irisidi (wokuqala usadinga).

3. Uma ubufakazi imibhalo zokuthenga ungazange liyalondolozwa, isicelo kumele icacise ofakazi ukuze uqinisekise ukuthi imikhiqizo onesici abantu empeleni uthenge nguwe. Faka igama, isibongo, patronymic, ipasipoti idatha kanye ahlanganisiwe.

4. Bheka umthengisi noma yokuthengisa endaweni umphathi futhi sifinyelele lokho, abeke isignesha yakhe kwi omunye izicelo (Esigigabeni Leave Me), eqinisekisa ukuthi ujwayelene isicelo. Ikhophi lwesibili lube zingagcinwa umdayisi.

5. Isicelo nayo ingathunyelwa ngeposi eyigugu, kulesi simo, lesibili uzobe ukunyathelisa izincwajana ezingu-zokuposa.

6. Uma umdayisi enqaba ukwamukela isicelo, umkhumbuze ukuthi ilungelo imbuyiselo engaphelele izimpahla wathola FZ №2300-1 «On Ukuvikelwa Abathengi 'Amalungelo. Akukubi uma ube version eliprintiwe.

7. Uma, kulokhu musa ukwamukela imikhiqizo onesici, cela ummeleli umdayisi ukuphinda ekuphikeni yakhe mibhalo noma i-camcorder, noma ukubhala i-ekuphikeni olusemthethweni. Futhi ukhululeke ukuxhumana uMnyango Wokuvikelwa Kwabathengi noma ngqo enkantolo.