Kanjani ukuthi uthumele isicelo sokubuyiselwa imali?

Ukuze ubuyise imali sempahla ethengwayo - akuve kuvamile ukuba ukuhweba. Futhi umkhiqizo ofuna ukuyibuyisela akanayo ukuba engaphelele. Umthengi lokkhu unquma ukuthi ukuthengwa engenzi ivumelane kuye kwabanye zindlela.

Kwezinye izimo, umthengi sinikezwe ilungelo eligcwele ukwethula izidingo zezimali. Kulesi sihloko sizoxoxa ezicashile ukubhalisa isicelo sokubuyiselwa imali.

Isitatimende noma isimangalo

Nokho, kuyafaneleka ukuthi idokhumenti equkethe lokufuna imali, ayilungile ukubiza isicelo. Enkabeni yalo, leli dokhumenti yesimangalo, ngoba isici esiyinhloko salezi izibambiso - imfuneko ethile kulokhu siqondiswe ekhelini nomthengisi. Lokhu omula inqubo pre-trial inqubo isimangalo isiphetho ukuxazulula umbango.

Noma kunjalo, kungakhathaliseki ukuthi sikubiza le dokhumenti, empeleni kuyinto elula incwadi ibhizinisi uhlamvu. Ngakho-ke, isicelo sokubuyiselwa imali ifa lazo zonke izici izincwadi zebhizinisi.

ukubuyela Yemfihlo

Ngokuhambisana nomthetho ku umdayisi yokuvikela ukwenza ukubuya futhi ubuyise imali kukhokhelwe kungenzeka, kodwa kuphela uma izimo ezithile zifeziwe:

• umkhiqizo ezithengiwe ohlwini evunyiwe kwezimpahla ezingeke benana noma isimo esibuyiswe;
• kusukela osukwini othenge esikhathini esingaphansi kwamasonto amabili;
• esitolo ayitholakali umkhiqizo, okuyinto esikhundleni zingenziwa.

Esimweni lapho sempahla ethengwayo kwenzakala eliphansi ke izimo ezinjalo angeke zisebenze. Kungaba kwenzeke ukuthi izimpahla ezithengisiwe besiyikhwalithi, kodvwa kungabi abathengi uzoluthola. izimo ezinjalo kungenzeka uma uthenga ezitolo inthanethi. Ngo ukuthenga enjalo isebenza umthetho ofanayo, futhi imbuyiselo kungenzeka yafuna at nemibandela efanayo ukuthengwa kwezimpahla engaphelele.

Kulokhu, umthengi isicelo esibhalwe kahle imali.

Iyiphi into action ezinganxeshezelwa?

Liphinde kungaba esikhundleni imbuyiselo umkhiqizo nge izinga ezimbi zidinga umdayisi ukwenza olunye isinyathelo, njenge:

• esikhundleni izimpahla komunye, nse;
• esikhundleni into eyodwa, umkhiqizo ezahlukene kanye imodeli, recalculate intengo, uma kudingeka;
• ukwenza ukulungisa khulula izimpahla;
• ukukhokha izimali esichithwa ukukhanda of izimpahla bebodwa.

Kulokhu, badinga kuphela kubonise mfuneko yakho ngendlela efanele.

Kubalulekile ukwazi ukuthi inqubo imbuyiselo ingahluka kuye ngohlobo lomkhiqizo uqobo. Lokhu kuzoxoxwa ngakho ngezansi.

Indlela yokwenza isicelo sokubuyiselwa imali?

Yenza isicelo ukubuya kwezimpahla umdayisi kungaba ngefomu khulula. Kodwa izimo ezithile okumelwe ahlangabezane nazo.

Isitatimende lolu hlobo kuba incwadi yebhizinisi. Lolu hlobo izincwadi kumele sihambisane ukuntuleka ngokunemba nasemizweni yokuthatheka.

Imithetho ezilandelayo kumele waphawula:

1. Ngesikhathi kwesokudla kumelwe ucacise igama nekheli esitolo lapho sathengwa. Kubalulekile ukukhumbula ukuthi ngokuvamile ikheli zomthetho kanye nekheli esitolo musa njalo luqondane. Kufanele kube pre-ukuhlonza ukwaziswa okunjalo. idatha ezinjalo kufanele ibekwe esidayisa ngamunye kwi ukuma ngolwazi.
2. Endaweni efanayo isicelo kufanele ucacise idatha kanye contact imininingwane yakho siqu.
3. Kancane ngezansi maphakathi mugqa akufanele ukubhala "funa" noma "inkulumo ethi".
4. Okulandelayo kufanele kubekwe umbhalo. Ukuze uqalise iwukuba ucacise yonke imininingwane ukuthengwa. Yini, nini futhi kuphi lapho uthengwe khona, nokuthi kukhona ofakazi ikhomishana ukuthengwa. Ungabi idatha eziphindaphindekayo mayelana umdayisi, oye eyenziwa ukudayiswa (igama). Isibonelo isicelo sokubuyiselwa imali lapha ngenzansi.
   

5. Esigabeni esilandelayo kufanele bakhombise isizathu ofuna ukwenza imali. Uma izinga umkhiqizo okungalungile, kubalulekile ukuchaza ngokuningiliziwe wonke amaphutha akhe kanye zamehlo. Uma izimpahla izinga okusezingeni eliphezulu, kubalulekile ukuchaza konke nenqubo ngalo ayilingani.
6. Kuyadingeka ukuba abone lemali okungukuthi imali. Ezimweni eziningi, kuba kuyafana inani lelo lo mkhiqizo yathengwa. Yena baqinisekisa imibhalo ukukhokhelwa, nakuba yobukhona babo ayidingekile.
7. Esimweni lapho ukukhokhelwa senziwa non-cash indlela, isicelo kumele icacise imininingwane ikhadi lesikweletu noma i-akhawunti lapho umdayisi ungenza ukudluliselwa.
8. Ungabi kahle ukuze ungeze isicelo sokubuyiselwa imali, umfuziselo okuyinto letinikwe lapha ngenhla, iphuzu mayelana nalokho enihlose kuzuzwe imiphumela esimweni ukwenqaba isimangalo. Kulokhu, ungafaka isicelo enkantolo ezifana, isibonelo, i-Federal Isevisi noma inkantolo.
9. Kumelwe ugcwalise kosuku lokufaka isicelo yokuloba yakhe kanye nesiginesha yakhe.

isiphetho

Ekubhaleni izimangalo kufanele ihambisane njengesisekelo esinembile sokubalwa kwezikhathi ecacile izenzakalo. Lokhu isicelo sokubuyiselwa imali kufanele senziwe impinda: ngowokuqala kumele idluliselwe endaweni yokudayisa kanti eyesibili umthengi. Umdayisi ubophekile ngaphansi komthetho ukuphendula isimangalo kungakapheli ezinsukwini ezingu-10.