I-Depositor yinkalo yezoqoqosho

Umfaki-zimali ngumgcini-mali, umxholo obeka phantsi loo nto okanye ubeke ixabiso elithile kwidiphozithi yeziko elithile likarhulumente. Ngethuba lokuqala leli gama libonakala kwisiqingatha sesibini se-19 leminyaka ngesiJamani ngo "kuhlehliswa".

Imbali yemvelaphi yegama elithi "i-deposit"

Njengengqiqo yezoqoqosho zanamhlanje, i-deposit ibhizinisi elithile eliphethe imali egcinwe kwisitoreji esisuka kwelinye iqumrhu. Le ngcamango ekupheleni kwekhulu lama-20 ifumene intsingiselo eyahlukileyo.

Intsingiselo ebalulekileyo yegama elithi "i-deposit"

Lo ngumqeshwa - umntu-ongazange amukele umvuzo ngokwemiqathango echazwe kwisivumelwano somsebenzi. Ingcaciso epheleleyo ngakumbi ngumntu ongekho ngexesha elithile elifumene iintlawulo ngenxa yakhe kunye neminye imali yemali. Ngokomzekelo, umxhasi wemali umelwa ngabasebenzi kunye nabasebenzi abangayifumana ngexesha (emva kweentsuku ezintathu) yabo ngeniso engenayo (umvuzo). Kwakhona, ngaba abantu abanokudityaniswa kwamanye amaxabiso athatyathwa ngokuzaliseka kwamaphepha athile eenkundla.

Ukuba ukhangele ezinye iilwimi, igama elithi "deposit" ngesiNgesi ngumgcini-mali. Ngako oko, kungacingwa ukuba i-deposit kunye ne-deposit inesymology efanayo kunye nomxholo ofanayo. Ngaloo ndlela, ezi ngcamango zombini zifana nombandela wezoqoqosho.

Iintsingiselo ezintsha zegama elithi "deposit"

Kukho enye inkcazo yegama elithi "i-deposit" - yilekhadi yomqeshwa ongayifumana umvuzo wakhe. Le ngcamango isetyenziswa rhoqo ekuqaliseni umlinganiselo wemali ukuba ishishini lesebe alizange lihlawule ngexesha lokugqibela elimiselwe kwisivumelwano.

Ngokuqhelekileyo kwimpilo yemihla ngemihla, isicatshulwa esahlukileyo sisetyenzisiweyo - idiphozithi. Kule meko, umnini-mvume ngumntu osebenzisa iinkonzo ezinikezelwa ngumgcini-mali ngokugcina impahla okanye ukugcina iirekhodi zamalungelo kwizo zibambiso.

Umvuzo ogcinwe

Ekubeni ixabiso eliqhelekileyo le-deposit lidibaniswa nokufumana umvuzo, makhe sihlale ngokubanzi iinkcukacha kule ndawo yezoqoqosho. Naliphi na umfundi ochasayo ukuba ukuhlawula umvuzo okwangoku kuqhutyelwa usebenzisa amakhadi eplastiki kwi-ATM. Nangona kunjalo, ukuqwalaselwa kwe-deposit kule nkcazo kungenziwa kwimiba yezinto eziphathekayo.

Ngoko, ubukho beSebe lezemali naliphi na iziko "lokuphila" imali ngaphezu kwemida esekelwe kumyalelo wezomthetho kunye nokulawula, kuvunyelwe kuphela ngaloo mihla xa ukuhlawula umvuzo. Ukuba kukho iimeko apho, ngenxa yezizathu ezithile, akubona bonke abasebenzi abanokufumana imali zingakapheli iintsuku ezintathu, imali eseleyo ifakwe. Ngaloo ndlela umvuzo osisigxina awuniki nanye impembelelo kwisibalo sentlawulo yentlawulo ebalwe kumvuzo njengoko zonke iintlawulo neerhafu zibalwa ngexesha lokuhlawulwa kwayo.

Umthetho weRussian Federation awuseki ixesha elikhethekileyo lokuhlawula umvuzo ochazwe njengefakiwe. Ngoko ke, ukuba kukho imfuneko yokufumana loo mvuzo, umqeshwa usebenza kwisebe le-accounting ngokufaka isicelo esifanelekileyo ngokubhaliweyo okanye ngomlomo. Kule meko, ukuhlawulelwa kwalo mvuzo kwenziwa ngaphandle "kokubopha" kwiintsuku zokuhlawula, kuba umqeshwa unelungelo lokufumana nayiphi na imeko.

Nangona kunjalo, umyalelo wokuhlawula lolo hlobo kufanele ulungiswe kumsebenzi okanye kwisivumelwano esihlangeneyo. Oku kuya kuphepha iingxabano zabasebenzi kunye nokuphulwa kwamalungelo abasebenzi kwiyiphi na ishishini.