Concept uye mhando macheki. Masvomhu macheki

Nhasi zvakawanda uye dzakakurumbira zvikuru chinhu chakadai cheki. Rinogona kushandiswa kwete chete mari yacho, asi kuti kubhadhara zvinhu uye mabasa. Dzidza zvakawanda nezvokuti chii vari mhando macheki, uyewo sei vanoshanda, uye tichaita kufukidza mubhuku rino.

The vakawanda yokuti macheki uye mabhuku

chinoshamisa sei kuona TV chidzitiro apo yakapfuma mutorwa akabhadharira nokuda hotera kamuri kana mamwe mabasa kuti tarisa bhuku rakanaka. Chimwe chinhu ndechokuti pfungwa iyi, vanhu vashoma vanoziva. Zvikurukuru, mashoko akawanda kubudiswa vazivikanwe oparesheni ichi. Isu, nokuti ayo chikamu achaedza anojekesa.

Saka, kutora pedyo pfungwa, marudzi uye mukuru zvechadenga cheki yacho chizvidavirire hurongwa. Kutambirwa chimiro kunosanganisira kushandisa zvimwe kuchengetedzeka kuitwawo payer.

Uye vose macheki zvinochengeterwa mubhuku chaiyo. Achibatsirwa anaro mumwe cheki anogona kuita muripo vachifarira chekopoluchatelya kune wainyatsotaura uwandu mairi. Zvinokosha kuziva kuti sezvo yatumira yarwo chete aigona kuita kuti sangano zvemari, izvo zviri kumucheri kwave kare akazarura nhoroondo. Zvaiva naye mune ramangwana uye achapiwa mhosva zvakare, asi chaizvoizvo huwandu dzakaratidza dzaserera.

Mashoko anofanira iine cheki?

Tichitarisa zvakawanda mhando macheki, hatigoni kutaura kuti mashoko vanofanira ane. Somuenzaniso, mashoko anotevera raanotaura kwavari:

• gwaro zita (tarisa siyana);
• uwandu kubhadharwa;
• ruzivo pamusoro payer nokuwanda nhoroondo yake (yaiva naye mune ramangwana uye vachaitwa akaurayiwa mubhadharo);
• mari aripe;
• nzvimbo cheki ndokukweverwazve kumusoro uye musi rakazopera;
• siginicha of kumucheri.

Zvinokosha kuziva kuti pasina kupfuura mumwe zvaida zvinhu, check anorasikirwa kukosha kwayo kwepakutanga. Dzidza zvakawanda nezvokuti chii vari mhando Bank macheki, isu acharondedzera mberi.

Ndezvipi macheki?

In zvachose, mhando macheki inogona kupatsanurwa muzvikwata zvikuru zviviri: kutendeuka (netsamba) uye vakanyorwa. Sezvo ushe, macheki ose vakanyoresa zita riri chaiyo payee. Transferable kana kuti - uyewo, vaitwe wakabudiswa nyasha mumwe munhu. Panyaya iyi, kana mari pamusoro cheki vachange vanobhadharwa mari, kuchengetedzeka aya anonzi mari kana mari.

Kana imwe mbiru iri gwaro imomo segwapa "kugarwa", hazvigoni cashed. Zvisinei, mari iyi inogona kunzi vasiri mari. nzira iyi rinoitwa munhoroondo anaro wacho. Asi chaizvoizvo uchatamisa mari chete nokuda mutakuri. kwacho dzinonzi ugari. Kana munguva zvinodiwa gwaro rave yakanatsa nhamba zvimwe nhoroondo, chekopoluchatel anekodzero uchatamisa mari iye chete.

Uyezve Masvomhu yaitwa macheki (macheki mhuka uye pfungwa mukuru wavo anogona kuwanikwa munyaya) kusvika wacho. Kusiyana yapfuura shanduro kuchengetedzeka, izvi - vari rakapa pasina chekopoluchatelya. Gare gare, apo muridzi yasarudza kubhadhara mabhuku chero mabasa kana zvinhu inopiwa munhu akazvimirira ega, ari payslip yake inoratidza akaronga wacho.

Chii Crossover, mutakuri uye kuti macheki?

Uyewo, bank macheki inogona rakakamurwa mhando Crossover, mutakuri uye netsamba. Crossover kuchengeteka anoshandura vayambuka. It Chengetedza (imwe kana mbiri), kana dai Chikwata kuvapo kunoratidzwa. Zvisinei, pane zviitiko kana akashandiswa panguva imwechete mutsetse uye chinyorwa. Kuita muchinjikwa ikoku anogona vose issuers vane, uyewo vanowana.

Cross kubatana yakakosha uye mukuru. Kana kuchengetedzeka dzakadaro rokutanga zvairatidza zita tsika zvemari mutoro akadzika bhuku. Izvi zvinoreva kuti cashing ane cheki kana kubhadhara kwakadaro panzombe ndechokuti kubhangi, iyo raanotaura kana muchinjikwa kubatana. Kana yechipiri, ataurwawo zita chikwereti kupfungwa, asi Kuwedzera rinounza chiratidzo itsva - ari "kubhengi." Zvisinei, marudzi awa kugarwa macheki kwete cashed. Mari yakaratidza pamusoro pavo, anogona chete kuchinjirwa kune munhu anoyamurika. Chokwadi, zvino vanogona vakatsinhanisa nezvezvipfuwo mari, asi zvichaita kutora nguva.

Regai kunyonganisa fanana pfungwa dzakawanda

Kuwedzera kuchengetedzeka ari Masvomhu vanobatanidzwa, uye dzimwe nhau, izvo zvakafanana zita. Somuenzaniso, mune nehoro kusangana mari vouchers. Ndivo rinokosha chionekeso, papepa.

The emhando dzakawanda zvinowanzovapo macheki dzakadaro muzvitoro, muzvitoro dzimwe pfungwa kutengeswa kwenhumbi uye mabasa. Kazhinji, ivo anodhindwa unokosha tepi richibva mari mazita.

On svikiro ichi zvinotevera mashoko:

• zita chitoro;
• Kero sangano kana bazi;
• mutengo yakatengwa zvinhu kana mabasa;
• pamutemo chimiro chesangano;
• cheki nhamba;
• INN keshiya kana mutengesi;
• mari kusanganisira mitero uye mari (kazhinji anosaina mari yakagamuchirwa uye uwandu dhipoziti wakabudiswa);
• kuvhiyiwa;
• kero ye email kana Website dzesangano;
• kuvonga (Ndinokutendai kutenga rako!).

Zvisinei, marudzi awa mari pakutengeserana akabudisa pamusoro okutambirwa ari yeGmail.END_STRONG wacho mari kana kuita makadhi muripo wayo. Dzimwe nguva vanofanira kuvapo kugamuchira kare akabhadhara pfuma.

Mhando dzakasiyana-siyana mari pakutengeserana: ndezvipi?

Zvichienderana kwauri kuenda, uyewo siyana kwenhumbi uye mabasa mhando mari pakutengeserana conventionally akakamurwa: pabepa yemagetsi. Muchiitiko chokutanga, mutengi anogamuchira rakadhindwa chionekeso papepa, uye yechipiri - chete wemagetsi Bhaibheri.

Panzira, kana kugamuchira yemagetsi chimiro unogona kugara zvakanaka kune imwe nzira shanduro bepa. Asi uyu ndiye wokutanga zvakakodzera kudhinda. Check nekombiyuta pakunyatsomuziva pashure muripo kadhi kana uchishandisa rakapotsa mari iri paIndaneti muzvitoro.

Chii chinonzi risiti?

Kunze pamusoro, pane dzimwe mhando rokutengesa pakutengeserana. Zvikurukuru, zvinosanganisira mapepa vatakuri kuti kushandisa private Entrepreneurs kuti nhau. Muchiitiko chino, rinoreva okutengesa pitikoti chimiro, inova akakwana vakawana kare mari magwaro (pakutengeserana). Kazhinji hairevi mureza siyana paiswe kuzvidavirira nokuti ane zvokutsigira basa. Kunyange zvakadaro, mashoko anotevera aripo mariri:

• zita uye shanduro gwaro;
• kuonana nezvokuzadziswa basa;
• INN;
• musi chionekeso;
• chimiro nhamba;
• azere pamazita zvinhu uye mabasa;
• mari;
• siginicha uye azere mashoko anotaurwa munhu akadzika check.

Zvinokosha kucherechedza kuti wakadaro gwaro chakanyorwa mashoko pamusoro nechimwe yakatengwa zvinhu uye mabasa (kufungisisa wayo mutengo uye uremu). Nokuti akawedzera nyore, nemarudzi akasiyana-siyana remapazi vane macheki akanyorwa akakodzera nhoroondo bhuku kana bhuku mari.

Ungaitei pamwe macheki?

Kana isu kutaura pamusoro mureza kuchengetedzeka akaiswa mubhuku, ipapo vanogona kushandiswa kubhadhara zvinhu uye mabasa. Nokuda mutakuri bepa anogona kuwana chaizvo chigadzirwa kana basa, asi chete pashure yavo izere mubhadharo. Uyezve, ndiyo mari rutsigiro kuchabatsira kugadzirisa kusawirirana ezvinhu Somuenzaniso, kana iwe wakawana vainyeperwa chigadzirwa kana murombo-unhu chinhu. Kana pakanga vamwe nyongano pamwe mutengo. Uye pakutengeserana rubatsiro kuchengeta nhoroondo nhamba kwenhumbi vakatengesa uye vanofungidzira wokupedzisira mari.

Mhando macheki muna Sberbank

Kune vanofungidzirwa pakutengeserana uye Sberbank. Inoshandisa magwaro zvemari, certifying kodzero kugamuchira mumwe mari (kazhinji zvichisiyana iri kuwanda 10-100 000). Vari rakapa pa zita nemhosva, asi chete pashure nokuvaita mari iri munhoroondo. Zvinokosha kucherechedza kuti nokuda zita iri sangano rwezvemabhengi anogona rakapa hakuna kupfuura mumwe cheki. Kana kutsvakwa, gwaro anogona kunyorwa muzita mumwe nemhosva. Asi iyi, zvose kodzero kwariri awana muridzi itsva.

Mhando iyi macheki gona:

• vanobhadharwa mari vachida zvakasikwa vanhu;
• kushandiswa semuripo zvinhu kana mabasa;
• rinoshandisirwa zvisimbiswe abhadhare zvinhu kana mabasa.

In mumari Bank aimboshanda basa uye kunonzi mufambi kuti macheki. Tinotaura navo pasi.

Ndezvipi "kufamba" kana mufambi kuchengetedzeka?

Rumwe rudzi mufambi wacho macheki vanoonekwa kuti muripo magwaro. kuchengetedzeka aya kazhinji wakabudiswa masangano okufambisa, mabhengi, international mari maitiro uye mamwe masangano zvemari. Chaizvoizvo, vari kuti kugarwa zvinyorwa zvaro, kunoita kuti kutenga ichi kana kuti basa, chinhu chinokosha. Muridzi muripo nevezvenhau kungava chinhu mumuviri sangano. Panyaya iyi, nenguva kutenga yemberi anaro kuti gwaro yakadaro vanosungirwa kuisa siginicha yake pamusoro payo.

Mamiriro pamwe vachibhadhara muRussia uye kunze

Kusiyana vakawanda vokune dzimwe nyika inoti muna RF date mhando muripo hazvisi chakasviba. Zvisinei, vachiri kuita zvimwe masangano zvemari Somuenzaniso, kare zvakanga Sberbank kweRussia. Panguva iyoyo, kuchinjana uye kutenga vouchers vanogona kuva "Svyaz-Bank" VTB Bank of Moscow uye "BANK URALSIB". Zvinokosha kuziva kuti vamwe vavo kunyange kuronga kuita imwe mhando ine mibayiro zvainanga vazvione. imwe yerudzi rutsva mhando muripo.

Banks, kushanda pamwe kuchengetedzeka zvinogona kutengwa American Express muripo zviridzwa. Panyaya iyi, kuti aizviti kukosha macheki akadaro pakati 50 uye 500 US madhora uye euros. Huwandu basa nokuda kutenga zvavo sangano akapomera mukati 0.5%. In rubles zvipfuwo kana dzimwe Banknotes dzinowanzoshandiswa senzira mari exchange.

Pano, Fans pakubhadhara izvi magwaro kodzero uvabhadhare. Panyaya iyi, kuti nyora-kubvisa inodiwa mari munhoroondo anaro wacho macheki. Chokwadi, muripo nenzira iyi kunogona chete mune basa-mubhadharo zvitoro (basa akasununguka). Mamwe magwaro chaizvoizvo vakatsinhanisa nezvezvipfuwo kana dzimwe mari iri kuitika Gengi pakati kubhengi.

mukurumbira chaizvo macheki awa vari America. Pano vanogona kushandiswa kutenga chero zvinhu uye mabasa. Saka, kuenda parwendo kuenda kuUnited States zvakachengeteka rine muripo magwaro, veko mari yakaenzana.

How kuwana nemabhangi kuchinjana uye vatenge?

Kuti tiwane sangano chaipo unogona kutenga kana kuchinjana wako mufambi kuti macheki, unofanira kuenda yepamutemo wokuRussia mutauro zvekuvaka American Express aetclocator.com. It pisai zvakakodzera parameters, kwakavakirwa paunogona kuwana yomunharaunda bazi yako kupfungwa zvemari. Somuenzaniso, kusarudza nyika uye Russian neguta Moscow, unogona kuwana mazita nomwe madhipatimendi "Svyaz-Bank".

mashoko akafanana anogona kuwanikwa panzvimbo americanexpress.com kare kubudikidza nyika uye nzvimbo inowanikwa mutauro.

Zvakasiyana-siyana uye zvimwe mugwagwa

Parizvino kuziva zvinotevera mhando mufambi kuti macheki:

• American Express uye Visa Interpayment.
• CitiCorp.
• Thomas Cook Mastercard.

American Express anonzi zvikuru nevanhu. Vanopinda zvikuru yakakurumbira pamusoro issuer, uye ruripo zvinotevera mhando dzimwe mari:

• Australian uye US dollar;
• Saudi reals;
• pondo wakanaka;
• rmb;
• yeCanada dhora;
• Euro;
• Japanese Yen uye t. D.

Panguva iyoyo kuRussia pane dhora kuchengetedzeka uye euro chete. The zororo sanyanya dzakakurumbira. Nokuda kwechikonzero ichi, vashoma vavo wechiGeorgian.

How kutenga uye zvakaomera?

Kuti kutenga mufambi wacho macheki vanofanira svika kubhengi rakasarudzwa, kujekesa kosi uye kuti magwaro akakodzera sangano. Panyaya iyi, magwaro unofanira kuva zvemukati kana dzimwe pasipoti. Mushure mokugamuchira pavo, unofanira kuisa siginicha wako repamusoro rworuboshwe wekona. Izvi zvichabatsira kuti vadzivise hassles chokuita kurasikirwa kana kuba muripo zvenyu zviridzwa. Nemamwe mashoko, hapana achashandisa wavo asi imi. Kuti asimbise kutenga yako, sezvinoita mutemo, zviri akapa risiti. Rinotsanangura musimboti kuzviwanira, ari chezita kukosha, pamari yawakagamuchira uye yenyu kuonana akadzama.

Ndezvipi zvakanakira mugwagwa Ezvemutauro?

Kushandiswa mufambi kuti macheki imhaka dzakati zvakanakira. Somuenzaniso, zvinyorwa izvi regai akapera. Nokuda kwechikonzero ichi, vanowanzoororwa kwete chete kuchengetwa kwemakore, asi chingatova nhaka.

Kunakisa wechipiri kukwanisa kushandisa macheki goho kunze mazakwatira emari. Muchiitiko chino, harirevi chero kukamurwa. Izvi zvinonyanya kubatsira kana chinangwa mukuru rwendo wako kutenga zvivako kana motokari. Zvisinei, kana mari kwazvo $ 10 000, unofanira kupinda mutsika nokunzi.

Uyezve, kuongororwa zvakakwana kutendeuka kwose. Kupanana vave omunzvimbo mari, unogona zvakakomba kuponesa. Uyezve, kukura basa kuti kupanana kuchengeteka mumwe kazhinji hapana kupfuura munhu dhora.

Zviri ngozi kushandisa?

Kushandiswa mufambi kuti macheki zirokwazvo ngozi. Kunyange kana ukarashikirwa kunyange mumwe, uchabatsira kugadzirisa dambudziko iri pedyo mumiriri Bank yenyu. Kudzoka muripo magwaro aunoda chete kupa munhu risiti kana kutaridzwa nhamba kurasika mirairo mari. Uye, chokwadi, magwaro ose kufamba vari vakanyorwa. Somugumisiro, kunze iwe, ivo hapana achakwanisa kushandisa.

Negative zvebasa kushandiswa

Pakati zvinhu zvisina kunaka zviri kushandiswa mufambi kuti macheki zvinogona kuzivikanwa kuti uchava chero nyaya kugadzirisa mari. Ndivo iwe vanoitisana pakukurukura kana iwe vatenge. Uye Kuwanikwa mari kunze kwenyika nguva dzose kunosanganisira zvimwe njodzi, dzakadai kurasikirwa kana kuba. Uye, chokwadi, kana uchida kuti kuchinjana magwaro enyu yomunharaunda mari, pemahombekombe vachafanira kutsvaka kuita kwacho.

Kana isu kutaura zvavo pamusoro macheki, nyore zviri pachena. Ivo gadzirisa muitiro yokuwana zvinhu kana mabasa, asi panguva imwe chete chokuita nedzimwe nuances. Zvikurukuru, kuRussia, uchava kumhanya kundotsvaka nehoro kuzvigamuchira. Zvakasiyana ndozvazvakaita pamwe makadhi. Vanotora navo kwose, cashing uye exchange.