Amaphoyinti okujeziswa - hlanganisa futhi kwesinye isikhathi ubeke eceleni!
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Amaphoyinti okujeziswa - hlanganisa futhi kwesinye isikhathi ubeke eceleni!

Amaphoyinti okujeziswa - hlanganisa futhi kwesinye isikhathi ubeke eceleni! Manje umshayeli othola amaphuzu angaphezu kuka-24 ezinhlawulo ngonyaka uzolahlekelwa yizincwadi zokushayela, futhi kusukela maphakathi nonyaka ozayo kuzodingeka athathe izifundo zokuqeqesha ezengeziwe. Kuyafaneleka ukwazi ukuthi kwezinye izimo, amaphuzu angase adluliselwe ku-akhawunti ngokubambezeleka okuthile.

Ama-penalty kuhloswe ngawo ukuthi abe yisiswebhu kubashayeli abavamise ukwephula imithetho yomgwaqo. Imithetho ilula - uma umshayeli ethola amaphuzu angaphezu kwama-24 ngonyaka, kuzodingeka aphinde ahlole ukushayela. Kuze kube wenza lokhu, ngeke akwazi ukushayela imoto. Usodolobha wedolobha noma ihhovisi lesifunda, ngesicelo samaphoyisa, umthumela ukuba ayohlolwa. Abashayeli abanolwazi olungaphansi konyaka lokushayela banesikhathi esinzima. Okokuqala, balahlekelwa yiwo ngemuva kokudlula amaphuzu angama-20 phakathi nonyaka. Okwesibili, ukuze bazibuyisele, ngeke nje baphumelele ukuhlolwa, kodwa futhi baphinde bathathe inkambo yokushayela.

Abesabi ukwenza isivivinyo sokushayela

Abashayeli abaningi bezimoto, ikakhulukazi labo asebenesipiliyoni eside, abesabi ukuphinda bahlolwe izincwadi zokushayela futhi ngaleyo ndlela beqe umkhawulo wamaphoyinti angama-24. U-Lech Szczygielski ovela eSikhungweni Sezokuthutha Sesifundazwe e-Zielona Góra: – Abashayeli abaningi banquma ukwenza olunye uvivinyo esikhundleni sesifundo, esikhipha amaphuzu ayisithupha kumaphuzu abo. Ngokuphambene nalokho okubonakala, kumshayeli onolwazi, ukuphasa ukuhlolwa kwelayisense yokushayela esigabeni B akufanele kube yinkinga enkulu. Ngaphezu kwalokho, inkambo, ngenxa yokuthi amaphuzu angu-6 wenhlawulo adonswa ku-akhawunti yomshayeli, ibiza i-PLN 300, kanti ukuhlolwa kokushayela kubiza kuphela i-PLN 134. Ngaphezu kwalokho, ngemva kokuhlola isipiliyoni sokushayela, amaphoyisa azosusa wonke amaphuzu angafaneleki. Amaphuzu okujeziswa, njengoba ubona, awasebenzi kubo bonke abashayeli, ngakho-ke ngonyaka nesigamu, unswinyo lokudlula kubo luzoshintsha. Imininingwane enemininingwane inikezwe ngezansi.

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Qaphela! Amaphenathi afingqiwe

Okwamanje, imithetho emidala yokushaya nokujezisa amaphuzu amaningi iyasebenza. Kusukela ngo-2003, ngokuphulwa ngakunye kwemithetho yomgwaqo, ngaphezu kwethikithi lemoto, amaphuzu okudelela anikezwa. Kusukela ku-1 kuya ku-10 amaphuzu, kuye ngokuthi ubukhulu becala - lokhu kuboniswa ngomyalelo kaNgqongqoshe Wezangaphakathi. Kubalulekile ukuqaphela ukuthi amaphuzu angafaneleki ayanqwabelana futhi awukho umkhawulo emaphuzwini iphoyisa elingawanikeza ngokuboshwa kanye. Ezimweni ezimbi kakhulu, umshayeli angalahlekelwa izincwadi zakhe zokushayela ngemizuzu embalwa. Uma ngesikhathi sokuhlolwa kwamaphoyisa okuhleliwe kuvela ukuthi umshayeli unamaphuzu angaphezu kwama-24, ilayisensi yokushayela igcinwa ngokuzenzakalelayo yiphoyisa lomgwaqo. Amaphoyisa athumela idokhumenti kumeya noma umongameli wedolobha elinamalungelo esifunda nesicelo sokuthumela umshayeli ayohlolwa ukushayela.

Okunye wukuthi ngesikhathi umshayeli ephule imithetho yomgwaqo wamiswa ngenxa yalesi sizathu. Uma kuvela ukuthi ngemuva kokuqoqwa kwamaphuzu ngecala elisanda kwenziwa, izinga lawo lingaphezu kwama-24, izincwadi zokushayela zamaphoyisa azivumelekile. – Lawa maphuzu abengakafakwa ku-akhawunti yomshayeli. Lokhu kuzokwenzeka phakathi nezinsuku ezimbalwa, ngemva kwalokho ilayisense yokushayela izokhanselwa, kuchaza u-Andrzej Gramatyka, iPhini leNhloko yoMnyango Wezokuthutha waseZielona Góra. Amaphoyisa azothumela isicelo kumshayeli nomnyango wezokuxhumana ofanele ukuze athumele umshayeli ayohlolwa ukushayela. Umshayeli oyitholile kumele eze ehhovisi ukuze aqondiswe ekuhlolweni. Akakwazi nokushayela. Uma amaphoyisa emvimba, azomphuca izincwadi zokushayela bese emnika inhlawulo. Wonke umuntu angabheka ukuthi mangaki amaphuzu esijeziso. Lokhu kungenziwa kunoma yisiphi isiteshi samaphoyisa. Ulwazi lomlomo lumahhala, imali yolwazi yi-PLN 17.

Ukwenqaba ukwamukela imiyalo kanye nenkantolo - amaphuzu kuphela ngemva kwesinqumo

Uma umshayeli enqaba ukwamukela ithikithi, futhi ngenxa yalokho amaphuzu ezinhlawulo, icala liya enkantolo. Kuphela ngemva kwesinqumo sakhe - yiqiniso, uma inkantolo ingavumelani nomshayeli - amaphuzu adluliselwa ku-akhawunti yomshayeli. Kulapho-ke kuphela lapho amaphoyisa angakuphuca khona ilayisensi yakho yokushayela. Isigwebo kwesinye isikhathi siba yizinyanga ezimbalwa, lapho umshayeli esebenzisa izincwadi zokushayela.

Ithikithi, izithombe ezivela kwikhamera yejubane - kungenzeka yini nokuthi ungazikhanga kanjani

Kunoxhaka okumele uluqaphele. Ngemuva kwesinqumo senkantolo, amaphuzu angafanele aya ku-akhawunti yomshayeli nosuku lwecala, hhayi isinqumo senkantolo. Ngakho-ke, kungase kwenzeke ukuthi umshayeli wemoto waphucwa ilayisense yokushayela, naphezu kokuthi amanye amaphuzu angalungile asusiwe ku-akhawunti yakhe kakade ngemuva kokwenza icala lokugcina, kodwa ngaphambi kwesinqumo senkantolo.

Izifundo zokuqeqesha kabusha - indlela yokubhala amaphuzu okujeziswa

Amaphuzu ezinhlawulo abanjwa ku-akhawunti yomshayeli ngemva konyaka enze icala. Unganciphisa isibalo sabo ngokuthatha izifundo eziyisipesheli ngokuphepha emgwaqeni. Izifundo zihlelwa yizikhungo zethrafikhi zesifunda, zihlala usuku olulodwa futhi zibiza i-PLN 300. Abashayeli abaqeda lesi sifundo balahlekelwa ngamaphoyinti angu-6 ku-akhawunti yabo. Phakathi nonyaka ungabamba iqhaza ezifundweni ezimbili ezinjalo, okusho ukuthi amaphuzu ayi-12 angafaneleki. Le ndlela ayikwazi ukusetshenziswa abashayeli abanezincwadi zokushayela ezingaphansi konyaka owodwa. Endabeni yabo, ukweqa inani lamaphoyinti alahlekile kuwukulahlekelwa okuzenzakalelayo kwelayisensi yokushayela.

Abashayeli bazolahlekelwa yizincwadi zabo zokushayela ngemuva kwama-demerit points angu-48

Izinguquko zizokwenziwa ngumthetho wabashayeli bezimoto, izinhlinzeko zazo mayelana nama-demerit points zizoqala ukusebenza kusukela ngoJuni 2018. Ngokwezinhlinzeko zayo, ngemva kokweqa umkhawulo wamaphoyinti okujeziswa angama-24, umshayeli uzothunyelwa esifundweni sesibili sokufunda. Uzolahlekelwa yizincwadi zokushayela uma ephinde weqa umkhawulo wamaphuzu angu-24 phakathi neminyaka emihlanu ezayo.

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