Bill: zoyimira ndi makhalidwe

Mitundu ya sheya pali ambiri, tikambirana mwatsatanetsatane mmodzi wa iwo.

Veksel.Suschestvuet zambiri classifications ngongole, malingana akugwirizana ndi applicable ndi mitundu ya sheya zotsatirazi.

Malinga chiwerengero cha ophunzira ndi chosavuta (payekha) ndi transferable (kusodza) bilu. Promissory cholemba ali mbali ziwiri zokha za chipani: ndi payee ndi kabati. Yotsirizira ndi ngongole, amene amaganiza udindo kulipira ndalama ku malo yake pa nthawi yoikidwiratu, kuti adzakhale pa. Ngati opareshoni ngati pali gulu lina (wolipira), ndiye tikulankhula tilipire. Kabati anamasuliridwa udindo ndalama wolipira (drawee), amene ayenera kulipira ngongole ndi payee (billholder).

bilu A akhale ndi anthu chimodzi, ziwiri, zitatu kapena zambiri. Pali milandu komwe wopanga chimaika yekha wolandira ndalama, kapena amene malamulo zina. Ubwino waukulu wa ngongole ndi kuti vuto la kulanda ndalama pakati pa mayiko. Mtundu uwu wa masheya ali zina kuti vuto la imfa mwa pachiyambi, angathe kutumikira m'malo: original kapena Poyamba - asilikali, chachiwiri - yachiwiri, lachitatu - lachitatu.

Malinga wa ndikupeleka malonda ndi kakutali (chizindikiro), chuma, banki kapena chida ndalama. Zachuma ngongole wosindikiza boma kuphimba kuchepekedwa bajeti. pepala malonda ndi ngongole chida monga maziko a udindo ndi ndalama ndi ngongole malonda. Chotero chitetezo akhoza kumachita monga ndikupeleka chofunika, kumene umakhala m'malo ndalama zosiyanasiyana zokhudza yogula ndi kugulitsa katundu. Bank bilu ali ndi gawo mawonekedwe zambiri, ndi ntchito zosiyanasiyana ankayendetsa zachuma. bilu Finance n'zosavuta kupeza banki, chimene muyenera kupanga anawapatsa ndalama bilu kuchuluka ndi banki adzakhala apereke ndalama mu manja ake kwa masiku 1 270.

bilu Bank, nayenso lagawidwa chidwi ndi kuchotsera bilu. Chidwi mwankhanza cholemba chinachake ngati ngongole: izo amagulitsa mwachindunji kufunika mwadzina ndi kum'bwezera chidwi kuti "kukapanda kuleka" pa nthawi inayake pa mtengo kuti zinalembedwa mu tilipire. Kuchitira zolemba anagulitsa pa kuchotsera kapena kuchotsera ndipo owomboledwa sanatanthauziridwe. Chidwi kubala zolemba promissory "ndi" mtengo kwambiri chifukwa banki chapakati linaŵerengera kuchuluka kwa mtengo nkhope ndi msonkho ndalama analandira mwa mawonekedwe a chidwi kapena benefiti ndi% 15 kokha pamene ndalama malonda kusiyana ndi msonkho pa mlingo wa 35%.

Malinga mapulogalamu ndi mkuwa, reciprocal ndi ngongole wochezeka. chidwi kwambiri mkuwa ithe, amene sifikira malonda, iye sali nawo wotuluka leni, alibe udindo pa chuma, ndipo kwenikweni kumatanthauza munthu fictitious ku adiresi wake. Friendly bilu - izi ndi chitetezo kuti anthu awiri amene m'chipatala pa wina ndi mnzake kuti ndalama ndalama kubanki popanda kayendedwe ka katundu.

Monga njira zimayambitsa bilu akhale mtumiki, ndi kuti akalembetse m'kaundula. Mayina a chitetezo momveka bwino mmene tingagwiritsire tinatengera kwa wogwira kabati lapansi. Mafotokozedwe amafuna kuti yekha mlomo. Iye ndi pempho kwa anasaina kulanda.

bilu A pamaso pa malipiro tsiku lomaliza akubwera, zikhoza zimafalitsidwa kwa wolipira kulandiridwa. Kupanga kuvomereza bilu ndi kulandira malipiro maudindo a chitetezo pa nthawi imene mwachindunji m'menemo. Ngati samalipira akukana kuvomereza, kudzera odziwitsa ndi anachita bilu kuukira.