Banking jargon: mfundo zonse zofunika

Mosiyana ndi chiyani finance de Demain amagwiritsidwa ntchito podziwa momwe angakupangireni upangiri wokuthandizani kukulitsa bizinesi yanu, nkhani ina iyi imakupatsirani m'malo molemba zakubanki. Mfundo zazikuluzikulu zakubanki izi ndizomwe mumamva kwambiri mukapita kubanki. Cholinga cha bukhuli ndikukuthandizani kumvetsetsa bwino mawu akubanki.

Tiyeni

Pangano la Akaunti

Ndi mgwirizano womwe umayang'anira akaunti yanu yangongole yotseguka. Imapereka chidziwitso pakusintha komwe kungachitike pa akaunti.

Mbiri yaakaunti

Iyi ndi mbiri yolipira mu akaunti pakanthawi, kuphatikiza kuchuluka kwa nthawi yomwe akauntiyo idachedwa kapena kuchedwa.

Wosunga akaunti

Mawuwa akutanthauza munthu aliyense wololedwa kuchita zinthu m'malo mwa akaunti. Siginecha ya aliyense yemwe ali ndi akaunti iyenera kulembetsedwa ndi banki. Siginecha imalola munthuyo kuchita bizinesi m'malo mwa akauntiyo.

Onani mafunso ofananira nawo omwe ali ndi akaunti yolowa nawo Overdraft, Chivomerezo Chotsimikizira Akaunti ndi udindo wa akaunti yolumikizana.

Zokonda zambiri

Ichi ndi chiwongola dzanja chomwe chapezedwa koma sichinalipidwe.

Ma Mortgages Osiyanasiyana

Izi ndi ngongole zoperekedwa ndi banki kuti apeze malo enieni. Chiwongola dzanja choyambirira nthawi zambiri chimakhala chotsika kuposa ngongole zanthawi zonse zokhazikika. Mtengo uwu ukhoza kusintha nthawi yonse ya ngongole kutengera momwe msika ulili.

Nthawi zambiri pamakhala kuchuluka (kapena denga) ndi kuchepera (kapena pansi) komwe kumatanthauzidwa mu mgwirizano wa ngongole. Ngati chiwongola dzanja chikuwonjezeka, kubwezeredwa kwa ngongole kumawonjezekanso. Ngati chiwongola dzanja chatsika, kubweza ngongoleyo kuthanso. Onani bukhuli kuti mudziwe zambiri Ngongole zanyumba.

Zochita zoipa

Ndiko kukana kwa wobwereketsa kuti apereke ngongole pansi pa zomwe akufunsidwa, kuchotsedwa kwa akaunti yomwe ilipo kapena kusinthidwa kosayenera kwa akaunti yomwe ilipo.

Chidziwitso Choyipa

Chidziwitso chofunidwa ndi lamulo la Equal Credit Opportunity Act chodziwitsa wopempha ngongole kapena wobwereketsa yemwe alipo za kukana pempho lake langongole kapena kulangiza za kusintha kwa mikhalidwe yomwe ikuwoneka kuti siyikuyenda bwino kwa mwini akauntiyo.

Kusintha

Ndikusintha kulikonse komwe kukukhudza kufufuta kapena kulembanso tsiku, kuchuluka kapena amene amalipidwa cheke kapena chida china chomwe mungakambirane.

Amortization

Ndi njira yochepetsera ngongole kudzera mu magawo okhazikika a principal ndi chiwongola dzanja zomwe zimabweretsa kubweza ngongole ikafika.

Peresenti yapachaka

Ndi mtengo wangongole pachaka, wowonetsedwa ngati peresenti.

Kubweza kwapachaka

Chiwongola dzanja chosonyeza chiwongola dzanja chonse choperekedwa ku akaunti yosungitsa ndalama potengera chiwongola dzanja ndi kuchuluka kwa chiwongola dzanja kwa chaka chamasiku 365.

Kuyesa

Ntchito yowunika ndi kukonza mtengo wa malo enaake kapena malo.

Kuvomerezeka

Kuperekedwa kwa chilolezo ndi wopereka wa kirediti kadi, wamalonda kapena wothandizana nawo, kuti amalize kuchitapo kanthu pa kirediti kadi.

Automated Clearing House (ACH)

Malo opangidwa ndi makompyuta omwe amagwiritsidwa ntchito ndi mabungwe osungitsa ndalama kuti aphatikize pakompyuta, kusanja ndikugawa ma kirediti kadi ndi ma debit.

Ma ACHs amakonza kusamutsidwa kwachitetezo chaboma pakompyuta ndikupereka chithandizo kwamakasitomala, monga kusungitsa mwachindunji malipiro amakasitomala ndi zolipirira zopindula ndi boma (ie Social Security, Welfare, and veterans rights) ndi kusamutsidwa kololedwa kale. Onani mafunso okhudzana ndi zochitika zamakompyuta.

Makina owerengera okha (ATM)

Ndi makina, omwe amayendetsedwa ndi khadi yosungidwa ndi maginito kapena sing'anga ina, yomwe imatha kukonza zochitika zosiyanasiyana zamabanki. Izi zikuphatikizapo kuvomereza madipoziti ndi malipiro a ngongole, kupanga ndalama, ndi kusamutsa ndalama pakati pa akaunti.

Kulipira kwabilu zokha

Dongosolo losalamulirika lolipirira ngongole zobwerezedwa ndi mawu amodzi ovomerezeka ku bungwe lazachuma. Mwachitsanzo, kasitomala amangofunika kupereka chilolezo fomu / kalata / chikalata kulipira ngongole bilu mwezi uliwonse. Ma debit ndi ma credits ofunikira amapangidwa kudzera m'nyumba yochotsera makina (ACH).

tsiku lopezeka

Ndondomeko ya banki yokhudzana ndi nthawi yomwe ndalama zomwe zasungidwa mu akaunti zidzapezeka kuti zichotsedwe.

Balance ilipo

Zotsalira za akaunti zomwe zili ndi ndalama zochepa, ndalama zomwe sizinasonkhanitsidwe, ndi zoletsa pa akauntiyo.

Ngongole ilipo

Ndiko kusiyana pakati pa malire a ngongole omwe amaperekedwa ku akaunti ya mwini makhadi ndi ndalama zomwe zilipo panopa.

Kusamutsa bwino

Njira yosamutsira ndalama zomwe zatsala kuchokera ku kirediti kadi kupita ku china. Izi nthawi zambiri zimachitidwa kuti chiwongola dzanja chichepetse pa ndalama zomwe zatsala. Kusamutsa nthawi zina kumakhala ndi chindapusa chosinthira.

banki yosungira

Woyang'anira banki ali ndi udindo woyang'anira chitetezo cha katundu wamakasitomala omwe ali pa imodzi mwa malo a woyang'anira, malo osungira kapena woyang'anira kunja.

Ndemanga ya banki

Kuwunikidwa kwa katundu wa banki, ndalama ndi ndalama. Ntchitoyi ikufuna kuonetsetsa kuti banki ndi zosungunulira ndipo zimagwira ntchito motsatira malamulo akubanki ndi mfundo zomveka zamabanki.

Malipoti a banki

Nthawi ndi nthawi, banki imapereka chikalata cha akaunti yosungitsa kasitomala. Mawu awa akuwonetsa madipoziti onse omwe adapangidwa, macheke onse omwe adalipira ndi ma debit ena omwe adalembedwa panthawiyi, komanso ndalama zomwe zatsala.

tsiku la banki

Ndilo tsiku la bizinesi pomwe ofesi ya banki imatsegulidwa kwa anthu pafupifupi ntchito zake zonse zamabanki.

Kusokonekera

Munthu wosowa ndalama, bizinesi, kapena mabungwe alibe katundu wokwanira kubweza ngongole zake. Wobwereketsa amafuna mpumulo kudzera m'malamulo kuti akhazikitse ndondomeko ya malipiro kapena kuchotsa ngongole.

Nthawi zina, wobwereketsayo ayenera kupereka mphamvu zonse kwa trustee wosankhidwa ndi khothi.

Kusokonekera

Ndondomeko yalamulo yomwe nkhani za munthu wosowa ndalama zimaperekedwa kwa trasti kapena wolandila kuti aziyang'anira pansi pa malamulo obweza ndalama. Pali mitundu iwiri ya bankirapuse:

• Kubweza mopanda dala - m'modzi kapena angapo omwe ali ndi ngongole ya wobwereketsa apereke pempho kuti wobwereketsayo alengezedwe kuti alibe ndalama.
• Kubwezeredwa mwaufulu - wobwereketsa amalemba pempho losonyeza kuti sangathe kukwaniritsa udindo wake wachuma komanso chikhumbo chake chofuna kulengeza kuti alibe ndalama.

Wopindulitsa

Munthu amene ali ndi ufulu wolandira phindu kapena ndalama za wilo, trust, insurance policy, pension plan, annuity kapena contract ina.

Billing Cycle

Kutalika kwa nthawi pakati pa masiku omwe ziganizo zanthawi zonse zimaperekedwa.

Tsiku lolipira

Mwezi, tsiku ndi chaka cha kubadwa kwa nthawi kapena mwezi uliwonse. Mawerengedwe amalipiro oyenera azandalama, malipiro ochepera ndi ndalama zatsopano.

Kulakwitsa kulipira

Ndi chiwongola dzanja chomwe chimawonekera pa sitetimenti yanthawi ndi nthawi yokhudzana ndi kuonjezeredwa kwa ngongole (mwachitsanzo, kirediti kadi) chomwe sichinavomerezedwe ndi mwini makhadi kapena wothandizira wawo, sichikudziwika bwino, ndipo sichinavomerezedwe ndi mwini makhadi kapena wothandizira. .

Kulakwa kwa kulipira kungayambitsidwenso ndi kulephera kwa wobwereketsa kubwereketsa malipiro kapena ngongole ina ku akaunti komanso zolakwika zowerengera ndi zolemba.

Tsiku lantchito

Tsiku lililonse pamene maofesi a banki ali otseguka kwa anthu kuti azichita bizinesi yonse ya banki.

cheke chalephereka

Ndi cheke chomwe banki yalipira, kutengera akaunti ya mwini akauntiyo, ndiyeno kuvomereza. Ikangosokonekera, cheke sichikhozanso kukambirana.

Cheke ku banki

Ndi cheke chotengedwa ku ndalama za banki, osati ndalama za osungitsa ndalama. Komabe, wosungitsa ndalamayo analipira cheke cha wosunga ndalama ndi ndalama zochokera ku akaunti yake. Ubwino waukulu wa cheke cha cashier ndikuti wolandila chekeyo amatsimikiziridwa kuti ndalama zilipo.

Funsani a kusiyana pakati pa macheke aku banki, macheke aumwini ndi macheke ovomerezeka

Kalata Yosiya ndi Kukana

Kalata yopempha kuti kampani isiye ntchito zomwe zatchulidwa m'kalatayo.

Chitsimikizo cha depositi

Chida chokambirana chomwe chimaperekedwa ndi banki posinthana ndi ndalama, nthawi zambiri zokhala ndi chiwongola dzanja, zosungidwa kubanki. Onani bukhuli kuti mudziwe zonse zizindikiro za deposit.

Satifiketi yotulutsidwa

Chikalata chosainidwa ndi wobwereketsa chosonyeza kuti ngongole yanyumba yalipidwa mokwanira ndipo ngongole zonse zathetsedwa. Imatchedwanso kuti lien release.

Cheke chovomerezeka

Cheke yaumwini yojambulidwa ndi munthu yemwe watsimikiziridwa (wotsimikizika) kuti ndi wabwino. Kutsogolo kwa cheke kuli ndi mawu oti "wovomerezeka" kapena "kuvomerezedwa" ndipo kumasainidwa ndi wogwira ntchito kubanki kapena bungwe losunga ndalama lomwe likupereka chekecho. Siginecha imatanthauza kuti siginecha ya kabatiyo ndi yowona, ndipo ndalama zokwanira zimayikidwa ndikusungidwa kuti zilipire cheke.

fufuzani

Lamulo lolembedwa lotsogolera bungwe lazachuma kuti lipereke nthawi yomweyo ndalama zomwe zaperekedwa kuchokera ku akaunti ya wolemba cheke kupita kwa munthu wotchulidwa pa chekeyo kapena, ngati munthu wina sanatchulidwe dzina, kwa munthu amene wanyamula chekecho ku bungwe kuti alipire.

Onani kudumpha

Kutembenuka kwa cheke cha data kukhala chithunzi chamagetsi pambuyo poti cheke yalowa mu dongosolo lokonzekera. Check truncation imathetsa kufunika kobwezera macheke oletsedwa kwa makasitomala.

Akaunti yamakono

Ndi akaunti ya depositi yofunikila kutengera kuchotsedwa kwa ndalama ndi cheke. Onani bukhuli Akaunti Yamakono Yakubanki - Tanthauzo, Ubwino ndi Kuipa

ChexSystems

Netiweki ya ChexSystems, Inc. imapangidwa ndi mabungwe azachuma omwe ali membala omwe nthawi zonse amapereka chidziwitso chokhudza macheke osayendetsedwa bwino ndi maakaunti awo osunga ndalama pamalo amodzi. ChexSystems imagawana izi pakati pa mabungwe omwe ali mamembala kuti awathandize kuwona kuopsa kotsegula maakaunti atsopano. Ndi mtundu wa malo owopsa.

ChexSystems amangogawana zambiri ndi mabungwe omwe ali mamembala; sichimasankha kutsegulidwa kwa maakaunti atsopano. Nthawi zambiri, zambiri zimakhalabe pa ChexSystems kwa zaka zisanu.

Ngongole yosatha

Monga lamulo, ngongole iliyonse yomwe ndalamazo zapita, kuphatikizapo ndalama zolipiritsa, zikuyembekezeka kubwezeredwa mokwanira ndi tsiku lodziwika. Ngongole zambiri zanyumba ndi magalimoto ndi mapangano okhazikika.

Kutseka kwa ngongole yanyumba

Kutha kwa mgwirizano wamalonda ndi malo omwe zikalata zonse zoyenera zimasainidwa ndipo ndalama zomwe zimachokera ku ngongole ya ngongole zimaperekedwa ndi wobwereketsa.

Kutseka ndalama

Ndalama zomwe amagulitsa ndi ogula kusamutsa umwini wa malo ndi nyumba. Ndalama zotsekera zingaphatikizepo chindapusa, malo ochotsera, chindapusa cha loya, chindapusa cha ngongole, kusaka mutu ndi inshuwaransi, ndalama zolipirira kafukufuku, zolembetsa ndi lipoti langongole.

Chigwirizano

Katundu woperekedwa kuti apeze ngongole kapena ngongole zina. Mwachitsanzo, ngati mutapeza ngongole yanyumba, chikole cha banki nthawi zambiri chimakhala nyumba yanu. Chikole chimatengedwa pakagwa kusakhulupirika.

Bungwe lothandizira

Kampani yomwe wabwereketsa kuti atenge ngongole yomwe adabwereka. Obwereketsa nthawi zambiri amalemba ntchito bungwe lotolera ndalama pokhapokha atayesetsa kuti atole okha ngongoleyo.

Ndalama zogwirizanitsa ndalama

Mutual Fund ndi trust yomwe imapangidwa ndikuyendetsedwa ndi banki kapena kampani yodalirika yomwe imasunga katundu wamakasitomala angapo.

Co-signer

Munthu wachibadwa amene amasaina cholembedwa cha munthu wina pochirikiza ngongole ya wosayinayo ndipo amakhala ndi udindo pa zomwe wachita.

Kufunsira ngongole

Fomu yolembedwa ndi wofunsira akaunti yangongole, yopereka tsatanetsatane wokwanira (pokhala, ntchito, ndalama ndi ngongole zomwe zilipo) kuti wogulitsa athe kutsimikizira kuti wopemphayo ali ndi ngongole. Nthawi zina mtengo wofunsira umalipiridwa kuti ulipire ndalama zoyendetsera ngongole.

Wopereka kirediti kadi

Bungwe lililonse lazachuma lomwe limapereka makadi aku banki kwa omwe awapempha.

Inshuwaransi ya ngongole ya olumala

Ndi mtundu wa inshuwaransi yomwe imapereka ngongole ngati mukudwala kapena kuvulala ndipo simungathe kugwira ntchito. Imadziwikanso kuti inshuwaransi ya ngozi ndi inshuwaransi yazaumoyo.

Inshuwaransi ya moyo wa ngongole

Mtundu wa inshuwaransi ya moyo yomwe imathandiza kulipira ngongole ngati mutamwalira ngongoleyo isanalipidwe. Izi ndi zomwe mungachite.

Malire angongole

Kuchuluka kwangongole komwe kumapezeka pa kirediti kadi kapena mzere wina wangongole.

Lipoti la ngongole

Ndi lipoti latsatanetsatane la mbiri ya munthu wobwereketsa lomwe lakonzedwa ndi bungwe loyang'anira zangongole ndipo limagwiritsidwa ntchito ndi wobwereketsa kuti adziwe kuyenera kwa wobwereketsa.

Bungwe lopereka malipoti angongole

Bungwe lomwe limasonkhanitsa zidziwitso zangongole zapayekha ndikuzigulitsa kwa omwe ali ndi ngongole kuti athe kupanga chisankho pakupereka ngongole. Makasitomala odziwika amaphatikizapo mabanki, obwereketsa nyumba, makampani a kirediti kadi ndi makampani ena azachuma.

Nthawi yochepa

Nthawi yatsiku yokhazikitsidwa ndi banki kuti ilandire madipoziti. Pambuyo pa nthawi yodulidwa, madipoziti amatengedwa kuti alandilidwa tsiku lotsatira la bizinesi.

Ngongole

Debiti ikhoza kukhala kulowa muakaunti yoyimira ndalama zomwe mwabwereketsa kapena ndalama zomwe zatengedwa ku akaunti yanu yosungitsa.

Khadi la debit

Khadi la debit amalola mwini akaunti kupeza ndalama zawo pakompyuta. Makhadi obwereketsa atha kugwiritsidwa ntchito kupeza ndalama kuchokera ku ma ATM kapena kugula katundu kapena ntchito pogwiritsa ntchito njira zogulitsira. Kugwiritsa ntchito kirediti kadi kumaphatikizapo kubweza ndi kubweza ma akaunti ogula nthawi yomweyo.

Wangongole

Munthu amene ali ndi ngongole ya chipani china.

Ngongole ndi Income ratio (DTI)

Peresenti ya ndalama zonse zomwe ogula amapeza pamwezi zomwe zimagwiritsidwa ntchito kulipira ngongole. Nthawi zambiri, kuchuluka kwa chiŵerengerocho, kumapangitsa kuti chiwopsezo chikhale chokwera. Ngongole zowopsa kwambiri nthawi zambiri zimagulidwa pa chiwongola dzanja chokwera.

Malipiro ochedwetsedwa

Ndi malipiro oimitsidwa mpaka tsiku lina.

Kupereka pempho

Kusungitsa ndalama zomwe zitha kuchotsedwa popanda chidziwitso.

Deposit slip

Memorandum yatsatanetsatane yandalama ndi ndalama zina zomwe kasitomala amapereka ku banki kuti apereke ngongole ku akaunti yawo.

Nkhani zonyoza

Deta yolandilidwa ndi wobwereketsa zomwe zikuwonetsa kuti wobwereketsa sadakhazikitse maakaunti ndi omwe amangongoledwa ngati pakufunika.

Direct deposit

Malipiro amaikidwa pakompyuta mu akaunti ya munthu ku bungwe lotengera ndalama.

Mkangano wachindunji

Mkangano womwe waperekedwa mwachindunji kwa wothandizira zokhudzana ndi kulondola kwa chidziwitso chomwe chili mu lipoti lanu la ogula zokhudzana ndi akaunti kapena ubale wina womwe muli nawo ndi wopereka chithandizo.

Ndondomeko yoyipa

Dongosolo lolembedwa ndi losainidwa lomwe gulu limodzi (wojambula) limalangiza gulu lina (wojambula) kuti alipire ndalama zomwe zaperekedwa kwa munthu wina (wolipira), akuwona kapena tsiku lodziwika. Zolemba zamabanki zodziwika bwino ndi zida zokambitsirana ndipo ndizofanana m'njira zambiri zowunika.

Zokokedwa

Munthu (kapena banki) yemwe akuyenera kulipira cheke kapena zolemba zikaperekedwa kuti alipire.

Banki ya Drawee

Banki yomwe cheke imakokedwa.

Electronic banking system

Ntchito yomwe imalola mwini akaunti kupeza zambiri za akaunti ndikuwongolera zochitika zina zamabanki pogwiritsa ntchito kompyuta yake kudzera pa webusayiti ya bungwe lazachuma pa intaneti. Izi zimadziwikanso kuti banki yapaintaneti.

Kutembenuka kwa macheke amagetsi

Kusintha cheke pakompyuta ndi njira yomwe cheke yanu imagwiritsidwa ntchito ngati gwero lachidziwitso cha nambala ya cheke, nambala ya akaunti yanu, ndi nambala yomwe imazindikiritsa bungwe lanu lazachuma.

Zomwezo zimagwiritsidwa ntchito popanga malipiro amtundu umodzi wamagetsi kuchokera ku akaunti yanu - kutumiza ndalama zamagetsi. Cheke yokha si njira yolipira.

Electronic Funds Transfer (EFT)

Kusamutsa ndalama pakati pa maakaunti kudzera pamakina ogula amagetsi - monga ma ATM ndi kulipira ngongole pakompyuta - osati ndi cheke kapena ndalama. Kusintha kwamagetsi, macheke, zojambula ndi zida zamapepala sizigwera m'gululi.

Kubera ndalama

M’maboma ambiri, kubera kumatanthauzidwa ngati kuba/kuba katundu (ndalama kapena katundu) ndi munthu amene ali ndi udindo wodalirika pa zinthuzo. Kuphatikizika kumachitika nthawi zambiri pantchito ndi bizinesi.

Kulemba

Njira yomwe imagwiritsidwa ntchito kusindikiza kapena kulemba zilembo zamaginito pamacheke, ma depositi ndi zida zina zachuma.

Kuthetsa zolakwika

Njira yofunikira kuti muthetse zolakwika zokhudzana ndi kusamutsa pakompyuta kupita ku akaunti ya depositi.

Chikole

Chida chandalama chogwiridwa ndi gulu lachitatu m'malo mwa maphwando ena awiri pakugulitsa. Ndalama zimagwiridwa ndi Escrow Service mpaka italandira malangizo oyenera olembedwa kapena apakamwa kapena mpaka udindowo utakwaniritsidwa. Zitetezo, ndalama ndi zinthu zina zitha kuyikidwa mu escrow.

Escrow Analysis

Kuwunika kwakanthawi kwamaakaunti a escrow ndi kampani yobwereketsa nyumba kuti zitsimikizire kuti ndalama zosungitsa pamwezi ndizokwanira kulipira msonkho, inshuwaransi, ndi zinthu zina zokhudzana ndi escrow zikafika.

Ndalama ya Escrow

Ndalama zomwe zimasungidwa ndi kampani yobwereketsa nyumba kuti ilipire misonkho, inshuwaransi ndi zinthu zina zokhudzana ndi ngongole yanyumba ikadzakwana.

Akaunti ya estate

Akaunti yomwe ili m'dzina la womwalirayo ndipo imayendetsedwa ndi kasungidwe kapena woyang'anira malowo.

Wothandizira

Kupanga kukhala nduna, woyang'anira, wosamalira, woyang'anira kapena trasti wa trust yabanja, trustee yovomerezeka kapena testamentary trust, kapena wolandila kapena trasti wa bankirapuse.

Malipiro azachuma

Mtengo wonse wangongole womwe kasitomala ayenera kulipira pangongole ya ogula, kuphatikiza chiwongola dzanja.

Financial Regulatory Agency

Bungwe lololedwa ndi lamulo kuti liwonetsetse kuti mabungwe azachuma omwe ali ndi zilolezo akugwira ntchito moyenera komanso moyenera.

Ngongole yokhazikika

Chiwongola dzanja ndipo malipiro amakhalabe chimodzimodzi pa nthawi ya ngongole. Wogula amapereka malipiro ofanana pamwezi a principal ndi chiwongola dzanja mpaka ngongoleyo italipidwa mokwanira. Tiyeni tiphunzire zambiri za ngongole.

Ngongole yokhazikika

Ngongole yobwereketsa yomwe malipiro ake amakhalabe omwewo kwa moyo wonse wangongole chifukwa chiwongola dzanja ndi mawu ena amakhazikika ndipo sasintha.

Ndalama zakunja

Ndalama zoyesedwa ndi banki yanu pochita malonda pa ATM ya banki ina.

Cheke chabodza

Ndi cheke pomwe siginecha ya kabatiyo idapangidwa mwachinyengo. Onani mafunso okhudzana ndi zopeka.

Kunamizira

Siginecha yachinyengo kapena kusintha dzina la munthu wina pachida monga chikalata, ngongole yanyumba kapena cheke. Cholinga cha kuphwanya malamulo ndi kunyenga kapena chinyengo.

Akaunti yayimitsidwa

Ndi akaunti yomwe ndalama sizingachotsedwe mpaka chiwongoladzanja chikwaniritsidwe ndipo lamulo la khoti kapena njira zina zalamulo zimapangitsa kuti akauntiyo ichotsedwe. Mwachitsanzo, akaunti ya munthu wakufayo imayimitsidwa kudikirira kuti khoti ligawire ndalamazo kwa eni ake atsopano.

Akaunti imathanso kuyimitsidwa pakagwa mkangano wokhuza umwini weniweni wa akaunti. Banki idzayimitsa akauntiyo kuti isunge ndalama zomwe zilipo mpaka malamulo atha kudziwa eni eni ake.

Kuwotcha / Kuwotcha

Ndondomeko yalamulo yomwe imalola wobwereketsa kutenga ndalama mu akaunti yanu yakubanki kuti alipirire ngongole yomwe simunalipira. Ngati muli ndi ngongole kwa munthu kapena bizinesi, atha kupeza chilolezo cha khoti kuti banki yanu ikuchotsereni ndalama mu akaunti yanu kuti mulipire ngongole yanu.

chitsimikizo

Chipani chomwe chimavomereza kukhala ndi udindo wolipira ngongole za gulu lina ngati chipanicho chalephera.

Mzere wa ngongole wanyumba

Mzere wangongole wotetezedwa ndi equity mnyumba ya ogula. Itha kugwiritsidwa ntchito kukonza nyumba, kuphatikiza ngongole, ndi zina zazikulu zogula. Chiwongola dzanja choperekedwa pa ngongole nthawi zambiri chimachotsedwa msonkho. Ndalama zimapezedwa polemba macheke pamzere wangongole kapena kupeza chiwongolero chandalama.

Ngongole Yanyumba Yanyumba

Ngongole yobwereketsa nyumba imakupatsani mwayi wopeza ndalama zomwe mwapeza m'nyumba mwanu. Ndiko kusiyana pakati pa ndalama zomwe nyumba yanu ingagulitsire ndi ndalama zomwe mudakali nazo.

Eni nyumba nthawi zambiri amagwiritsa ntchito ngongole yanyumba kukonzanso nyumba yawo, kulipira galimoto yatsopano, kapena kulipira maphunziro a koleji a mwana wawo. Chiwongola dzanja chomwe chimaperekedwa nthawi zambiri chimachotsedwa msonkho.

Popeza ngongole imatetezedwa ndi ndalama zomwe zili m'nyumba mwanu, ngati simunasinthe, banki ikhoza kuwonongerani nyumba yanu ndikukhala umwini wanu.

Ngongole yamtunduwu nthawi zina imatchedwa ngongole yachiwiri kapena kubwereka nyumba yanu.

Akaunti yosagwira ntchito

Iyi ndi akaunti yomwe ilibe zochita pang'ono kapena palibe; palibe madipoziti kapena kuchotsera zomwe zalembedwa muakaunti kwa nthawi yayitali.

Satifiketi yakusungitsa ndalama

CD yokhala ndi indexed ndiyofunikira kusungitsa banki yomwe ikupereka ndipo nthawi zambiri imagulitsidwa kudzera m'mabanki ogwirizana komanso osalumikizana nawo. Ma CD okhala ndi indexed amapereka mwayi kwa Investor mwayi wotenga nawo gawo pakuyamikira, ngati kulipo, pa index inayake, panthawi ya CD.

Ma CD omwe ali ndi indexed amatha kukhala ndi njira zolipirira zovuta ndipo mwina sangakhale kapena sangakhale oyenera kwa onse omwe amagulitsa ndalama. Otsatsa malonda akuyenera kuwunikanso mosamala zomwe zimakhudzidwa ndi chiwopsezo chazachuma zomwe zafotokozedwa m'makalata oyenera operekedwa ndi mawu aulula.

Ma CD okhala ndi indexed si zotetezedwa ndipo sanalembetsedwe pansi pa malamulo achitetezo.

Akaunti payekha

Nkhani m'dzina la munthu.

Akaunti yopuma pantchito

Ndondomeko yosungira anthu akapuma pantchito kwa anthu omwe amapereka msonkho wapachaka mpaka malire akutiakuti atha kupangidwa. Ndalama zomwe zaperekedwa sizimaperekedwa msonkho mpaka zitachotsedwa. Kuchotsa sikuloledwa popanda chilango mpaka munthuyo atafika pa msinkhu woikidwiratu. Nazi momwe mungasungire zopanda nkhawa mukapuma pantchito

Ndalama zosakwanira

Pamene ndalama zomwe wosungitsayo ali nazo sizikukwanira kulipira cheke choperekedwa kuti alipire.

Inshuwaransi (Zowopsa)

Inshuwaransi yoteteza mwiniwake ndi wobwereketsa kuti asawononge katundu kuchokera kuzinthu monga moto, mphepo kapena kuwonongeka.

Akaunti Yogwirizana

Akaunti yokhala ndi anthu awiri kapena kupitilira apo. Chipani chilichonse chikhoza kuchita padera kapena pamodzi mogwirizana ndi mgwirizano wa akaunti ya deposit.

Kite

Lembani cheke chandalama imene idzabweza ndalamazo ku akauntiyo koma kupanga chopereŵeracho mwa kuika cheke china ku banki ina. Mwachitsanzo, kutumiza cheke cha ngongole pamene akaunti yanu yoyang'anira ilibe ndalama zokwanira zogulira cheke, koma mukuyembekeza kulandira ndikuyika malipiro anu kampani ya ngongole isanayambe kupereka cheke.

Ndalama zochedwa

Ndalama zomwe zimaperekedwa pakubweza mochedwa pangongole yachiwongolero, nthawi zambiri zimawonetsedwa ngati gawo langongole kapena ndalama zolipirira. Komanso, chilango choperekedwa ndi wopereka khadi pa akaunti ya mwini makhadi chifukwa cholephera kupereka malipiro ochepa.

Wobwereketsa

Munthu kapena bungwe lazachuma lomwe limabwereketsa ndalama poyembekezera kuti ndalamazo zibwezeredwa ndi chiwongola dzanja.

Mwayi

Mlandu wotsutsana ndi katundu. Malowo akagulitsidwa, mwiniwakeyo amalipidwa ndalama zomwe ali nazo.

Ngongole

Chilolezo changongole chovomerezedwa kale chokhala ndi malire obwereketsa otengera kuyenerera ngongole. Mzere wangongole umalola obwereketsa kupeza nambala inayake ya ngongole popanda kubwerezanso nthawi iliyonse bola ngati ndalama zonse zomwe adabwerekedwa sizidutsa malire angongole.

Mgwirizano wa ngongole

Mgwirizano wolembedwa pakati pa wobwereketsa ndi wobwereketsa momwe zikhalidwe ndi zikhalidwe za ngongole zimakhazikitsidwa.

Malipiro a ngongole

Ndalama zoperekedwa ndi wobwereketsa kuti apange ngongole (kuwonjezera pa chiwongoladzanja choperekedwa kwa wobwereka).

Kukonzekera kosintha ngongole

Mgwirizano wamgwirizano wangongole womwe umalola wobwereketsa kapena wobwereketsa kusintha chimodzi kapena zingapo za mgwirizano woyambirira. Onani mafunso okhudzana ndi chithandizo cha ngongole.

Kubweza ngongole

Ndalama zonse zomwe bungwe lobwereketsa limapereka pansi pa ngongole kenako ndikukhala ndi ngongole kwa wobwereka.

Kukhwima

Tsiku lomwe ndalama zonse zangongole, bondi kapena chida china chandalama chikuyenera kufika.

Zocheperako bwino

Kuchuluka kwa ndalama zomwe ziyenera kuikidwa muakaunti kuti wosungitsayo ayenerere ntchito zapadera kapena kuchotsera ndalama zothandizira.

Malipiro ochepa

Ndalama zochepa zomwe ziyenera kulipidwa mwezi uliwonse pa ngongole, mzere wa ngongole kapena ngongole zina.

Malipiro akusowa

Malipiro omwe aperekedwa koma osalowetsedwa ku akaunti yolondola.

Akaunti ya Money Market Deposit

Akaunti yosungira yomwe imapereka chiwongola dzanja chokulirapo posinthanitsa ndi zazikulu kuposa madipoziti wamba. Phunzirani zonse za akaunti ya msika wa ndalama.

Ndalama za msika wa ndalama

thumba lotseguka lomwe limayika ndalama mungongole zazifupi ndi zida zandalama monga ma bilu a treasury ndikulipira chiwongola dzanja chamsika. Ndalama za msika wa ndalama nthawi zambiri zimapereka mwayi wolembera cheke.

Ngongole

Chida changongole chomwe chimagwiritsidwa ntchito pogulitsa malo pomwe katundu ndi chikole cha ngongoleyo. Ngongole yobwereketsa imapatsa wobwereketsa ufulu wotenga katunduyo ngati wobwerekayo walephera kubwereka ngongoleyo.

Ngongole

Ngongole yoperekedwa ndi wobwereketsa kwa wobwereketsa kuti apeze ndalama zogulira malo. Ngongole zanyumba: muyenera kudziwa chiyani za njira zopezera ndalama izi?

Wobwereketsa nyumba

Wobwereketsa mu mgwirizano wa ngongole.

Mortgagor

Wobwereka muubwenzi wobwereketsa. Malowa amagwiritsidwa ntchito ngati chikole polipira.

Mutual fund

Ndalama zomwe zimayendetsedwa ndi kampani yogulitsa ndalama zomwe zimasonkhanitsa ndalama kuchokera kwa omwe ali ndi masheya ndikuziyika m'masheya, ma bond, zosankha, katundu kapena chitetezo chamsika wandalama.

Ndalamazi zimapatsa osunga ndalama mwayi wosiyanasiyana komanso kasamalidwe kaukadaulo.

Official Check

Cheke yojambulidwa kubanki ndikusainidwa ndi wogwira ntchito kubanki wovomerezeka. (Amatchedwanso cheke cha cashier.)

Mabanki a pa intaneti

Ntchito yomwe imalola mwini akaunti kupeza zambiri za akaunti ndikuwongolera zochitika zina zamabanki kudzera pakompyuta yake kudzera pa webusayiti ya bungwe lazachuma pa intaneti. Izi zimadziwikanso kuti intaneti kapena banki yamagetsi.

Ngongole yosatha

Pangano la ngongole (kawirikawiri khadi la ngongole) lomwe limalola kasitomala kubwereka molingana ndi mzere wangongole womwe wavomerezedwa kale pogula katundu ndi ntchito. Wobwereka amangolipiridwa ndalama zomwe adabwereka kuphatikiza chiwongola dzanja chomwe amayenera kulipira. Imatchedwanso akaunti ya ndalama kapena ngongole yozungulira.

Cheke mochedwa

Cheki choperekedwa ndi wosungitsa ndalama chomwe sichinaperekedwe kuti alipire kapena kulipiridwa ndi banki ya wosungitsa ndalama.

Overdraft

Ndalama zochotsedwa ku banki zikachuluka kuposa ndalama zomwe zimapezeka mu akauntiyo, ndalamazo zimatchedwa overdraft ndipo akauntiyo imatchedwa overdraft. Onani wathu chiwongolero cha ma overdrafts a banki.

Kupitilira

Lembani cheke cha ndalama zokulirapo kuposa ndalama zomwe zasungidwa muakaunti.

Malire adutsa

Akaunti yotseguka yangongole yomwe malire a dollar omwe adapatsidwa adapitilira.

Kabuku

Bukhu lokhala m'kaundula wamba momwe ndalama zonse zosungidwira, zochotsa ndi zopeza kuchokera muakaunti yosunga ndalama za kasitomala zimajambulidwa.

Katundu Wanthawi yake

Chidziwitso chilichonse kapena chida china chilichonse changongole chomwe sichinaperekedwe pofika tsiku loyenera.

Ngongole zolipira

Ngongole yaifupi yandalama yaying'ono yomwe wobwereka amavomereza kubweza pamalipiro awo kapena kusungitsa ndalama. Ngongole za Payday ndi mitundu yapadera ya ngongole

Malipiro omalizira

Tsiku lomwe ngongole kapena gawo lolipira likuyenera. Zimakhazikitsidwa ndi bungwe lazachuma. Malipiro aliwonse omwe alandilidwa pambuyo pa tsikuli amatengedwa mochedwa; malipiro ndi zilango zikhoza kuyesedwa.

Kulengeza kwa malipiro

Ndemanga yokhazikika yokonzedwa pamene kubweza ngongole ikuganiziridwa. Imawonetsa momwe akaunti ya ngongole ilili, ndalama zonse zomwe muli nazo komanso chiwongola dzanja chatsiku ndi tsiku.

Mlingo wanthawi ndi nthawi

Chiwongola dzanja chofotokozedwa chokhudzana ndi nthawi inayake. Mwachitsanzo mlingo wa mwezi uliwonse mtengo wa ngongole pamwezi; mtengo watsiku ndi tsiku ndi mtengo wangongole patsiku.

Kulengeza kwanthawi ndi nthawi

Chidule cha zolipirira chimapangidwa ndikutumizidwa pakanthawi zodziwika, nthawi zambiri pamwezi.

Nambala Yachizindikiritso Chamunthu (PIN)

Nthawi zambiri nambala ya zilembo zinayi kapena mawu, PIN ndi nambala yachinsinsi yoperekedwa kwa omwe ali ndi kirediti kadi kapena kirediti kadi kuti apeze akaunti yawo. Khodiyo imaperekedwa mwachisawawa ndi banki kapena yosankhidwa ndi kasitomala. Cholinga chake ndikuletsa kugwiritsa ntchito khadi mosavomerezeka mukamalowa kumalo osungirako ntchito zachuma.

yofuna

Ntchito yobera yemwe ali ndi akaunti yapaintaneti zazandalama poyesa ngati kampani yovomerezeka.

Tidzakulowereni

Chida cholembedwa chomwe chimalola munthu m'modzi kukhala wothandizira wina. Mphamvu ya woyimira milandu ikhoza kukhala yolondola komanso yeniyeni, kapena ikhoza kukhala yachilengedwe. Mawu a mphamvu yolembedwa ya loya angatchule tsiku lotha ntchito. Apo ayi, mphamvu ya loya nthawi zambiri imatha pa imfa ya munthu woperekayo.

Mabungwe ena amafuna kuti mugwiritse ntchito mafomu oyimira banki. Banki ikhoza kutcha izi mphamvu yodalirika yoyimira mlandu: wamkulu amapereka ufulu wachindunji kwa wothandizira.

Kulipira kovomerezeka

Dongosolo lokhazikitsidwa ndi mgwirizano wolembedwa pomwe bungwe lazachuma limaloledwa ndi kasitomala kuti atengere akaunti ya kasitomala kuti alipire mabilu kapena kulipira ngongole.

Kulipiratu

Kulipira ngongole isanakwane.

gawo lolipiriratu

Ndime ya ngongole yobwereketsa yomwe imalola wobwereketsa kubweza ngongole ina kapena ngongole yonse isanakwane.

Chilango cholipira kale

Chilango choperekedwa kwa wobwereka pobweza ngongoleyo nthawi yake isanakwane. Pankhani yobwereketsa, izi zimagwira ntchito ngati palibe ndime yolipira kale mu ngongole yanyumba kuti athetse chilangocho.

M'mbuyomu

Zotsalira za akaunti ya mwini makhadi monga momwe zinalili kale.

Kusamalitsa kwakukulu

Ndalama zomwe zatsala zangongole, osaphatikiza chiwongola dzanja ndi zolipira.

Kutulutsidwa kwa mwayi

Kumasula nyumba ku ngongole yanyumba. Onani funso lokhudzana ndi kumasulidwa kwa mwayi.

Kukonzanso

Njira yowonjezerera ngongole yomwe wabwereketsa pomwe ndalama zangongole zomwe wabwereketsa zimasinthidwa (kupititsidwa) ku ngongole yatsopano kumayambiriro kwa nthawi yotsatira.

Chidwi chotsalira

Chiwongola dzanja chomwe chikupitilirabe kubweza ngongole yanu ya kirediti kadi kuyambira tsiku lozungulira mpaka banki italandira malipiro anu.

Mwachitsanzo, ngati tsiku lanu loyendetsa chiwongola dzanja chanu linali Januware 10 ndipo banki idalandira malipiro anu pa Januware 20, padali masiku khumi omwe chiwongola dzanja chawonjezeka. Ndalamayi idzawonekera pa sitetimenti yanu yotsatira.

Bweretsani chinthu

Chida chokambirana—makamaka cheke—chomwe chatumizidwa kubanki kuti chikatoleredwe ndi kulipiridwa ndipo chimabwezedwa osalipidwa ndi banki yoperekayo.

Reverse Mortgage

Reverse mortgage ndi chinthu chapadera chobwereketsa nyumba chomwe chimalola eni nyumba azaka 62 kapena kupitilira apo kuti apeze ndalama zomwe zamangidwa kunyumba kwawo. Nyumbayo idzakhala gwero la kubweza ndalamazo.

Ngongole imatengedwa kutengera mtengo wa chikole (nyumba) komanso nthawi yomwe wobwereka amakhala nayo. Ngongole iyenera kubwezeredwa mukamwalira, kugulitsa nyumba yanu kapena kusakhalanso komweko monga nyumba yanu yayikulu. Onani mafunso okhudzana ndi ngongole zanyumba.

Ngongole yozungulira

Pangano la ngongole (kawirikawiri khadi la ngongole) lomwe limalola kasitomala kubwereka molingana ndi mzere wangongole womwe wavomerezedwa kale pogula katundu ndi ntchito. Wobwereka amangolipiridwa ndalama zomwe adabwereka kuphatikiza chiwongola dzanja chake. Imatchedwanso akaunti yolipira kapena ngongole yotseguka.

Kumanja kwa kuyimitsa

Ndiufulu wamabanki kulanda ndalama zomwe wobwereketsa kapena wobwereketsa angakhale nazo pa deposit kuti alipire ngongole yomwe sanabweze.

Ufulu wobweza

Ndi Ufulu wothetsa, m'masiku atatu ogwira ntchito, mgwirizano womwe umagwiritsa ntchito nyumba ya munthu ngati chikole, kupatula ngati wabwereketsa ngongole yoyamba. Palibe malipiro kwa wobwereka, yemwe amalandira kubwezeredwa kwathunthu kwa ndalama zonse zomwe zaperekedwa. Otetezeka

Kukhutitsidwa ndi Mortgage

Chikalata choperekedwa ndi wobwereketsa (wobwereketsa) akalipira ngongole yonse.

Mtengo wa utumiki

Malipiro amawunikidwa ndi bungwe lotengera ma depositi pokonza zochitika ndikusunga maakaunti.

signature card

Khadi losainidwa ndi wosungitsa ndalama aliyense ndi kasitomala wa banki lomwe lingagwiritsidwe ntchito ngati njira yodziwira. Khadi siginecha akuimira mgwirizano pakati banki ndi depositor.

Ngongole ya ophunzira

Ngongole zopangidwa, zokhala ndi inshuwaransi kapena zotsimikiziridwa pansi pa pulogalamu iliyonse yovomerezedwa ndi Higher Education Act. Ndalama za ngongole zimagwiritsidwa ntchito ndi wobwereka pazifuno za maphunziro.

Kuwongolera m'malo

Cheke cholowa m'malo ndi chojambula cholimba cha kutsogolo ndi kumbuyo kwa cheke choyambirira. Cheke cholowa m'malo ndi chokulirapo pang'ono kuposa cheke wamba kuti chizitha kusunga chithunzi cha cheke chanu choyambirira.

Mwalamulo ndizofanana ndi cheke choyambirira ngati chikuyimira molondola zomwe zili pacheke choyambirira ndikuphatikiza mawu otsatirawa. Cheke yolowa m'malo iyeneranso kukonzedwa ndi banki.

Terms

Nthawi ndi chiwongola dzanja chogwirizana pakati pa wobwereketsa ndi wobwereketsa kuti abweze ngongole.

Sitifiketi Yanthawi Ya Deposit

Kusungitsa nthawi yopangidwa ndi chida chomwe chingakanjanitsidwe kapena chosakanjanitsika chofotokoza kuchuluka ndi kukhwima.

A term deposit

Kusungitsa nthawi (yomwe imadziwikanso kuti nthawi yosungitsa nthawi) ndi kusungitsa ndalama kubanki zomwe sizingachotsedwe pa "nthawi" kapena nthawi inayake.

Ntchito ikamalizidwa, imatha kuchotsedwa kapena kusungidwa kuti igwire ntchito ina. Kutalikirako, kumabweretsa bwino kubweza ndalama. Monga lamulo, kuchotsa msanga msanga kumakhala ndi zilango zazikulu.

Khulupirirani akaunti

Mawu anthawi zonse omwe amakhudza mitundu yonse ya maakaunti achitetezo, monga ma estate, oyang'anira ndi mabungwe.

trust administrator

Munthu kapena bungwe lomwe limayang'anira maakaunti a trust.

Valani

Kulipiritsa chiwongola dzanja chokwera pa ngongole mosaloledwa.

Mtengo wovala

Obwereketsa chiwongola dzanja chachikulu amatha kulipiritsa obwereka. Kuvala nthawi zambiri kumakhazikitsidwa ndi malamulo a boma.

Mtengo woyandama

Chiwongola dzanja kapena gawo lililonse lomwe limasintha nthawi ndi nthawi.

Tisiyeni ndemanga