Iakhawunti yokonga yenye yezibonelelo umqeshwa anokufumana kuzo kwinkampani. Olu luhlobo lokuzibophelela komqeshi kubaqeshwa bakhe lokubavumela ukuba bonwabele iintsuku zabo zekhefu kunye nokuphumla okungathathwanga kamva. Ukuyilahla, eminye imigaqo kufuneka ilandelwe kwaye isicelo sinyanzelekile. Nazi ke iileta zesampulu zokusebenzisa iakhawunti yokonga ixesha. Kodwa kuqala, ezinye izimvo malunga nale nzuzo ziya kuhlala ziluncedo.
Ithini iakhawunti yokonga ixesha?
Iakhawunti yokonga ixesha okanye i-CET yinkqubo emiselwe yinkampani ukuze izuze abasebenzi bayo ukuze ibavumele ukuba baxhamle ekufumaneni amalungelo kwikhefu elihlawulelwayo. Ezi zinokucelwa kamva, nokuba kungangeentsuku okanye ngohlobo lomvuzo umqeshwa anokulufaka kwiakhawunti yokonga ixesha.
Nangona kunjalo, ukuseta iakhawunti yokonga ixesha kuphuma kwindibano okanye kwisivumelwano esidibeneyo. Esi sivumelwano siya kuthi emva koko sibeke imiqathango yokubonelela nokusetyenziswa kwe-CET ngokwe-inqaku L3151-1 yeKhowudi yezaBasebenzi. Umsebenzi ke unokuyisebenzisa ukuqokelela amalungelo akhe ekhefu angathathwanga ngokwenza isicelo kumqeshi wakhe.
Zithini izibonelelo zeakhawunti yokonga ixesha?
Izibonelelo zeakhawunti yokonga ixesha inokuba yomqeshi kunye neyomqeshwa.
Izibonelelo zomqeshi
Ukusekwa kweakhawunti yokonga ixesha kwenza ukuba kuncitshiswe inzuzo engenayo yerhafu yenkampani ngenxa yegalelo leentsuku ezidluliselwe kwi-CET. Le yokugqibela ivumela umqeshi ukuba akhuthaze kwaye abagcine abasebenzi ngokubavumela ukuba baxhamle kwezi meko ngokweemfuno zabo.
Izibonelelo zomqeshwa
I-CET ngokubanzi ivumela umqeshwa ukuba axhamle kwisikimu sokugcina umhlalaphantsi ngamalungelo akhe ekhefu. Inokuxolelwa kwirhafu yokufumana imali, ukuxhasa ngemali ukuyeka kancinci kokusebenza okanye ukubuyekeza ikhefu.
Uyicwangcisa njani iakhawunti yokonga ixesha?
Iakhawunti yokonga ixesha inokumiselwa ngokwesivumelwano senkampani okanye kwindibano okanye ngendibano okanye isivumelwano sesebe. Ke, ngesi sivumelwano okanye le ngqungquthela, umqeshi kufuneka athethathethane nemithetho elawula iakhawunti yokonga ixesha.
Uthethathethwano luxhalabisa ngokukodwa imigaqo yolawulo lweakhawunti, iimeko zokuxhasa ngeakhawunti kunye neemeko zokusebenzisa iakhawunti yokonga ixesha.
Uyenza njani imali kwaye uyisebenzise iakhawunti yokonga ixesha?
Iakhawunti yokonga ixesha inokuxhaswa ngemali ngexesha okanye ngemali. Amalungelo agciniweyo anokusetyenziswa nangaliphi na ixesha. Nangona kunjalo, ukubonelelwa nge-CET kufuna isicelo kumqeshi ngokuxhomekeke ekubeni la magatya ayahlonitshwa.
Ngohlobo lwexesha
I-CET inokuxhaswa ngemali ngekhefu elifunyenwe kwiveki yesihlanu, ukuphumla okuhlawulelwayo, ixesha elongezelelekileyo okanye i-RTT yabasebenzi bexabiso elimiselweyo. Konke oku kwenzelwa ukulindela umhlala-phantsi, ukuxhasa ngemali iintsuku ngaphandle kwentlawulo okanye ngokuthe ngcembe ukutshintshela kumsebenzi wesingxungxo.
Ngohlobo lwemali
Umqeshwa unokuzuza ngokufanelekileyo kumalungelo akhe ekhefu ngohlobo lwemali. Ngokubhekiselele kule yokugqibela, kukho igalelo lomqeshi, ukunyuswa kwemivuzo, izibonelelo ezahlukeneyo, iibhonasi, ulondolozo olwenziwe kwi-PEE. Nangona kunjalo, ikhefu lonyaka alinakuguqulwa libe yimali.
Ngokukhetha olu khetho, umqeshwa unokuxhamla kwingeniso eyongezelelweyo. Angadlulisela i-PEE yakhe okanye i-PERCO yakhe ukuxhasa ngemali inkqubo yolondolozo lwenkampani okanye isikimu seqela lokuthatha umhlalaphantsi.
Ezinye iimodeli zeeleta ezicela ukusetyenziswa kweakhawunti yokonga ixesha
Nazi iisampulu zeeleta zokukunceda wenze isicelo senkxaso mali kwi-CET ngeholide ehlawulelweyo, iibhonasi okanye ii-RTT kunye nesicelo sokusebenzisa iakhawunti yokonga ixesha.
Inkxaso mali yeakhawunti yokonga ixesha
Igama lokugqibela Igama
idilesi
inombolo yelizwe
iposiInkampani… (Igama lenkampani)
idilesi
inombolo yelizwe(IsiXeko), ngomhla… (Umhla)
Isihloko: Ukuxhasa ngemali iakhawunti yokonga ixesha
UMonsieur le uMlawuli,
Ngokwengxelo esasixelelwa yona yomhla [umhla weememo], ubacelile bonke abasebenzi ukuba baxhamle kwikhefu lonyaka ngezilinganiso ngaphambi [komhla obekiweyo wokuhlawula ikhefu].
Ukongeza, ngenxa yokuhamba kwekhefu labasebenzi abathile nokuqinisekisa ukusebenza kakuhle kwenkampani, andikwazi ke ngoko ukuthatha ikhefu lam elihlawulelwayo, okt [inani leentsuku zekhefu kuhlawulwe okuseleyo] iintsuku.
Oko kwathiwa, ngokwenqaku i-L3151-1 yeKhowudi yezaBasebenzi, kuyakhankanywa ukuba ndingazuza kwezi holide zihlawulwayo ngokwendlela yemali. Yiyo loo nto ndithatha inkululeko yokubhala ndikubuza intlawulo yemali eseleyo ehambelana nezi holide kwiakhawunti yokonga ixesha.
Ndisalinde impendulo evumayo evela kuwe, nceda wamkele, Mnumzana, iimvakalelo zokuqwalaselwa kwam okuphezulu.
utyikityo
Ukusetyenziswa kwamalungelo abelwe iakhawunti yokonga ixesha
Igama lokugqibela Igama
idilesi
inombolo yelizwe
iposiInkampani… (Igama lenkampani)
idilesi
inombolo yelizwe(IsiXeko), ngomhla… (Umhla)
Isihloko: Ukusetyenziswa kweakhawunti yam yokonga ixesha
Monsieur,
Yiminyaka embalwa okoko ibekwe iakhawunti yam yokonga ixesha. Yiyo loo nto ndikwazile ukuqokelela [isixa semali eseleyo kwi-CET] euro, elingana [nenani leentsuku zekhefu ezingathathwanga] iintsuku zekhefu.
Ngokwenjenje, kwaye ngokwenqaku u-L3151-3 weKhowudi yoMsebenzi, ndingathanda ukukwazisa ngomnqweno wam wokuxhasa ngemali iprojekthi kumbutho wesisa kumalungelo am endiwafumeneyo kwiakhawunti yam yokonga ixesha.
Enkosi ngokwenza okufunekayo ngokukhawuleza okukhulu. Nangona kunjalo, ndinalo naluphi na ulwazi oluthe kratya.
Nceda uyikholelwe, Mnu.
utyikityo
Khuphela "Inkxaso-mali yeakhawunti yokonga ixesha"
food-count-epargne-time.docx – Ikhutshelwe amaxesha angama-10584 – 12,77 KBKhuphela "itemplate yeakhawunti yokonga ixesha"
ixesha-savings-account-letter-template.docx – Khuphela 11008 amaxesha – 21,53 KB
