Ukuqasha igqwetha eliliLungelo lokuGqibela kwi-UAE

Iitshekhi ezigqwethiweyo kwi-UAE: IMeko yoMthetho etshintshayo

Ukukhutshwa nokusetyenzwa kwe kuhlola okanye iitshekhi kudala wakhonza njengentsika Zorhwebo intengiselwano kunye neentlawulo kwi United Arab Emirates (UAE). Nangona kunjalo, nangona ukuxhaphaka kwazo, ukucocwa kweetshekhi akusoloko kungenamthungo. Xa i-akhawunti yomhlawuli ingekho imali eyaneleyo ukuhlonipha itshekhi, kubangela ukuba itshekhi “igqabhuke”, ingaphumeleli ekufezekiseni injongo yayo.

Iitshekhi ezibhampisiweyo kunokubangela iintloko ezibuhlungu kubo bobabini abadwebi kunye nabaxhamli, kudla ngokubangela amanyathelo asemthethweni okuhlawula iintlawulo. Nangona kunjalo, kutshanje ukwenziwa isemthethweni amanyathelo ayitshintshe kakhulu imeko esemthethweni ejikeleze iitshekhi ezingahlonelwayo kwi-UAE.

Siza kuphonononga imiba ephambili yemithetho yokutshekishwa, iimeko, kunye neziphumo kwi-UAE, siqaqambisa iintsingiselo eziphawulekayo kunye nophuhliso.

Isishwankathelo sokuHlola ukusetyenziswa

Phambi kokuphonononga kwiinkcukacha zeetshekhi ezibhampiweyo, kufanelekile ukuqonda ubiquity wokusetyenziswa kweetshekhi ntengiso kwi-UAE. Ezinye iimbono eziphambili:

• Iitshekhi zihlala iyenye yezona ndlela zidumileyo zokuhlawula kwi-B2B kunye ne-B2C yokusebenzela kwi-UAE, nangona iintlawulo zedijithali zinyuka.
• Iindidi zetshekhi eziqhelekileyo ziquka imali eninzi, i-post-dated, i-pre-printed, kunye neetshekhi zokukhusela
• The idraki, idrowa ibhanki, ohlawulayo, kunye nayiphi na abaxhasi inokubanjwa ngokusemthethweni kwiitshekhi ezibhampisiweyo

Ngeetshekhi ezisebenza njengezixhobo ezibalulekileyo zemali, ukuba ne-bounce enye kunokuzisa iingxaki ezibalulekileyo zomthetho kunye nezorhwebo.

Izizathu ezingundoqo zokuba kutheni iitshekhi ziqhuma

Itshekhi ingatsiba okanye ibuyiswe ingahlawulwanga yibhanki ngenxa:

• Akukho mali ephelele kwiakhawunti yedrowa
• Intlawulo yokuyeka umyalelo ngakwidrowa
• Izizathu zobuchwephesha ezifana nokungafani kwiinombolo zeakhawunti okanye utyikityo
• Iakhawunti iyavalwa phambi kokuba kutshekishwe imvume

Iibhanki zihlawulisa iindleko kwii-akhawunti ze-overdrawn, zigqithise esihle kwiitshekhi ezingahlonelwayo, kwaye ngokuqhelekileyo baya kuyibuyisela itshekhi kubahlawuli bebhala isizathu sokungahlawuli.

Ukuzivelela kweMithetho yokuHlola eBounced

Ngokwembali, itshekhi ebhampisiweyo amatyala kwi-UAE ayegqalwa njengolwaphulo-mthetho, ngomnqantsa izohlwayo njengexesha lentolongo kunye nezohlwayo ezinzima. Nangona kunjalo, izilungiso zomthetho ngo-2020 kakhulu ithintelwe jonga iimeko zokutsiba uthintele iimeko ezinonya.

Olona tshintsho luphambili lubandakanya:

• Izohlwayo ezithatha indawo yexesha lentolongo kuninzi lwetshekhi ezibhampa
• Ukunciphisa isohlwayo sokuvalelwa entolongweni kuphela kumatyala obuqhophololo ngabom
• Ukuxhobisa iindlela zoluntu zokusombulula

Oku kuphawule utshintsho oluqaphelekayo olugxile kwimbuyekezo yezemali phezu kolwaphulo-mthetho.

Xa ukuBouncing Itshekhi kuselulwaphulo-mthetho

Ngelixa iitshekhi ezininzi ezingahlonitshwanga ngoku ziwela phantsi kolawulo loluntu, ukugqobhoza itshekhi kusathathwa njenge ulwaphulo-mthetho ukuba:

• Ikhutshwe kwi ukholo olubi ngaphandle kokumisela imbeko kwintlawulo
• Kubandakanya ukukhohlisa imixholo yetshekhi ukuqhatha umntu ohlawulwayo
• Itsheki evunywe ngumntu wesithathu esazi ukuba iya kugqabhuka

Olu lwaphulo-mthetho lunokukhokelela kwixesha lokuvalelwa entolongweni, isohlwayo, kunye nokungeniswa kubhaliso loluntu lolwaphulo-mthetho lwezemali.

Iziphumo & nezohlwayo

Izohlwayo kunye neziphumo ezijikeleze itshekhi engahlonelwayo zixhomekeke kakhulu ekubeni kulandelwa njengetyala lembambano okanye lolwaphulo-mthetho.

Ngamatyala embambano, iziphumo ziquka:

• Izohlwayo ukuya kuthi ga kwi-AED 20,000 ngokuxhomekeke kwitshekhi isixa
• hamba ukuthintela ukuthintela idrowa ekuphumeni kwe-UAE
• Ukuhlutha ii-asethi okanye imivuzo ukubuyisela izixa ezityalwayo

Amacala olwaphulo mthetho inokubangela iziphumo ezinzima kakhulu:

• Ukuvalelwa ukuya kwiminyaka emi-3
• Izohlwayo ngaphezu kwe-AED 20,000
• Ukufakwa kuluhlu olumnyama lwenkampani kunye nokurhoxiswa kwelayisensi

Izohlwayo zinyanzelwa ngetshekhi nganye endaweni yetyala ngalinye, okuthetha ukuba iitshekhi eziphindwe kabini zinokukhokelela kwisohlwayo esiqatha.

Imithetho emitsha eNcedisa abaKhalazi

Izilungiso zakutsha nje zomeleze ukhuseleko lwabahlawulwayo/abakhalazi abachatshazelwa ziitshekhi ezingahlonelwayo:

• Ukuba imali igubungela kuphela inxalenye yexabiso letshekhi, iibhanki kusafuneka zihloniphe kwaye zihlawule isabelo esixhaswa ngemali
• Abamangali banokuya ngqo kwijaji yenkundla kunokuba baye kumatyala embambano amade
• Iinkundla zinokuyalela ngokukhawuleza ukuthinjwa kwee-asethi okanye zimise ii-akhawunti ukuze zizalisekise iimali ezityalwayo

La manyathelo avumela iindlela ezikhawulezileyo zokuba abamkeli bafumane amatyala abo.

Imiba yeNkqubo

Ukujonga inkqubo yezomthetho yetshekhi engahlonitshwanga kufuna ukuba kulandele iimfuno eziphambili zenkqubo:

• Izikhalazo kufuneka zifakwe kwiminyaka emi-3 ukusuka kumhla wokutsibela
• Amaxwebhu asemthethweni ayimfuneko abandakanya izatifikethi zokubhampa ezisuka ezibhankini
• Umrhumo oqhelekileyo wenkundla yoluntu ufikelela malunga ne-AED 300
• Isenokufuna ukuzibandakanya negqwetha eliyazi kakuhle imithetho yesheke ye-UAE

Ukuhlangabezana nazo zonke iimfuno ze-bureaucratic prerequisites kubalulekile ukuba inkundla yamkele kwaye igwebe kuyo nayiphi na imeko yetshekhi okanye isikhalazo.

Ukunqanda iiMpembelelo zokuHlola eziBonsiwe

Ngelixa ii-bounces zetshekhi ngamanye amaxesha zisenokungathinteleki, abantu kunye neenkampani zinokuthatha amanyathelo okunciphisa umngcipheko:

• Gcina iibhalansi ezaneleyo zeakhawunti phambi kokuba ukhuphe iitshekhi
• Lihlawule iimali-mboleko/iimali ezihlawulwayo phambi kokuba kuvalwe ii-akhawunti
• Ukurhoxisa ngokusesikweni naziphi na iitshekhi ezikhutshiweyo kodwa ezingahlawulwanga
• Sebenzisa ezinye iintlawulo ezifana nokudluliselwa kwebhanki apho kunokwenzeka

Iinkqubo ezilumkileyo zemali zibalulekile ukwenza iitshekhi zicace kwaye zithintele iimeko zomthetho ezimdaka.

Isiphelo: Indlela eya Phambili

Oku kutshanje ukwenziwa isemthethweni uninzi lwetshekhi bounces imele inguquko enkulu kwimeko yezomthetho ye-UAE. Ngelixa iziphumo zoluntu zisekho, ukuhla kwezohlwayo zolwaphulo-mthetho kunye namajelo ezikhalazo axhotyisiweyo akhuthaza uxanduva lokuphendula ngokwezemali ngaphezu kwamanyathelo ohlwaya.

Nangona kunjalo, abaniki betshekhi kufuneka baqhubeke belumkisa kunye noxanduva xa bexhomekeke kwiitshekhi zeentlawulo. Ukulawula imali ngendlela ethintelekileyo kunokuthintela iintloko ezibuhlungu ezingeyomfuneko zomthetho kunye nokuphazamiseka kweshishini okanye imicimbi yobuqu.

Ngenkuthalo efanelekileyo, iitshekhi zijonge ukuqhubeka zisebenza njengesixhobo esiluncedo sorhwebo ngaphandle kokuba indawo yemigodi yetyala lolwaphulo-mthetho iqhubele phambili.

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