Indlela yesevisi yokuxhaswa isetyenziswa ngayo kurhwebo lwamazwe ngamazwe.
Ulungele ukuthumela impahla yakho? Awufuni ukulahlekelwa kweleta yesikweletu kodwa ufuna imali yakho ngaphambili? Mhlawumbi inkonzo ye-escrow yimpendulo. Kule nqaku, ndihlola ukuba yintoni inkonzo yokuhlawula, njani isetyenziselwa ukuhweba ngamazwe ngamazwe kwaye ungaphila khona uncedo ekusebenziseni i-escrow service.
Yiyiphi iNkonzo yeeScrow?
Iinkonzo zokuhlaselwa zivumela abathumeli kunye nabathumeli ukuba bavikele ukuthengiselana ngokubeka imali ezandleni zecandelo elithathu elithembekileyo eliqokelelayo, liyabamba kwaye lichithe imali ukuze idibene yeemeko zidibene nemiyalelo yomthengisi okanye umthumeli.
Ukuthunyelwa kulandelwa ukuba kuqinisekiswe ukuba umthengisi uthunyelwe, kwaye umthengi ufumene urhwebi.
Oku kungayindlela yokufumana intlawulo ngokubanzi kwimicimbi yezohwebo. Abanye abantu basebenzisa iinkonzo zokuhlawula ukunciphisa ingozi yokukhwabanisa.
Xa kuziwa kwiintengiselwano ezincinane (ngaphantsi kwe-$ 5,000), ngokuqhelekileyo ukudluliselwa kweekhredithi, amakhadi enkoleko kunye ne-PayPal yizona zixhobo ezisetyenziselwa ukuthengwa kwangaphandle kwemali-mali, kodwa i-escrow service inokusebenza njengenye indlela.
Kutheni kufunekayo kwaye kusebenza njani
Unomthengi omtsha ongekho mlando wokuhlawula . Ngoko ke, ukunciphisa umngcipheko wakho, ucela ukuhlawula kwangaphambili, kodwa oko kuyona mncinci ukhetho kumthengi. Ngoba? Ngenxa yokuba kudala ukudala iingxaki zokungena kwemali kuye kwaye kubangela ukukhathazeka ukuba impahla ayikwazi ukuthunyelwa ukuba intlawulo iyenziwe kwangaphambili. Ukongeza, ukucela imali ngemali kwangaphambili kukungalungi xa ukhuphisana nabanye abathengi umthengi kufuneka akhethe emhlabeni wonke ngaphandle kokuba becela imali ngaphambili.
Inyaniso yolu mbandela kukuba ukuba unyanzelisa ngemali kwangaphambili njengendlela yakho yokuhlawula yedwa kwi-shishini jikelele, unokunciphisa ukuphuma kwakho kwamanye amazwe kwaye ngoko ulahlekelwe kumaqela okhuphisanayo azimisele ukunikezela ngokwemimiselo yentlawulo ekhangayo.
Indlela escrow isebenza ngayo. Umngenisi (umthengi) uthumela inani lemali elivunyelweneyo lokuthenga kwi-escrow service.
Emva kokuhlawula ukuqinisekiswa, umthengisi uyalelwe ukuba athumele iimpahla. Xa kuthengiswa, umthengisi (umthengi) unomlinganiselo wexesha elifanelekileyo ukuhlola nokuvuma iimpahla. Xa samukelwe, imali ikhutshwa yinkonzo yokuthunyelwa kumthengisi. Umrhumo wokuhlawula unokuhlawulwa ngokugcwele ngenye iqela okanye uhlulwe ngokulinganayo phakathi komthengisi kunye nomngenisi.
NgokukaJacob A. Manning, weDinsmore & Shohl LLP, nantsi ezimbini iingongoma eziphambili omele uziqaphele xa kuziwa kwiinkonzo zokuhlawula: (http://www.lexology.com/library/detail.aspx?g=e66b89d9 -4b4a-448e-8001-60ad7b8e4ba4).
1. "Iinkonzo zokuhlaselwa ziinkampani zenkampani yesithathu, ukuthembeka kwabo kufuneka kuhlolwe ngendlela efanayo nebhanki. Kwileta yokuthenga ngetyala, amaqela avumile ukuba incwadi yekhredithi ekhutshwe yibhanki yehlabathi jikelele iyamkeleka, mhlawumbi ngenxa yokuba bobabini bayazi kwaye banokuvavanya ukuba ukuthembeka nokubakho kwebhanki.
2. Ngeleta yesikweletu, umntu unako ukuxhasa ngemveliso okanye ukuthengiswa kwempahla. Ekubeni ibhanki inomthengisi umbopheleleko ozimeleyo, bangayisebenzisa loo mbopheleleko yokuxhasa imveliso yeempahla. Kweemeko ezithile, nabo banokuyiphuhlisa imali ye-ileta yekhredithi ukufumana imali ngokukhawuleza.
Kwaye, ngokuqinisekileyo kuba intlawulo ngokuqhelekileyo kufuneka yenziwe emva kweentsuku emva kokuba iifom zenziwe kwibhanki, ileta yesikweletu inokubangela ukuhlawulwa ngokukhawuleza emva kokuba impahla ithunyelwe. Ezi zikhetho zincinci kunzima nakwinkonzo yokukhawuleza ukuba iyafumaneka nonke. "
Kuphi ukuphendulela uncedo?
Nazi ezinye ezimbalwa iinkonzo zokunqumla. Qiniseka ukujonga iingxelo zabathengi abaye basebenzisa ezi nkonzo ngaphambi kokuqhubeka. Isilumkiso: Ukuba umthengi wakho ugxininisa ukuba usebenzisa isevisi ethile yokugxotha kwaye akayi kwamkela i-www.escrow.com (okanye enye inkonzo ye-escrow yamazwe okhululekile kunye nokuthengiselana ngamazwe ngamazwe njengenye indlela), unokufuna ukunciphisa ukuthengiselana umsebenzi wokukhwabanisa.
1. Escrow.com (https://www.escrow.com/why-escrowcom/security.aspx)
2. I-PaySAFE (https://paysafeescrow.com/nternational-trading-escrow)
3. I-PMF Bancorp yokuqala (http://www.invoicefactoringus.com/escrow-services/)
4. JP Morgan (https://www.jpmorgan.com/tss/General/Escrow_Services_/1114735358724)
Iinkonzo zokuhlaselwa zingabanqoba ngokuphumelela kubo bobabini abathumelayo nabathengisayo abafuna inkokhelo yokuhlawula imali ngemali emancinci.
Ukuziphendulela: Anginalo ulwazi olusebenzayo lwale nkampani kodwa ngophando lwe-intanethi sele zifunyenwe ezi zine ezikhethileyo.
Iinkonzo ezongezelelweyo
Ezi zixhobo zilandelayo ziza kunceda kuwe ekuqondeni ubuchule obupheleleyo bokusebenzisa isevisi yokuxhoma:
• Ukuqinisekisa ukuThengana: Iingeniso zokuSebenza kweeNkcazo ze-Intanethi ngokubhekiselele kwi-Letter of Credit kwi-International Trade
https://www.escrow.com/news/Articles/the_advantages_of_using_online_escrow_services_versus_letters_of_credit_in_international_trade/14