Banking jargon: ese akakosha pfungwa

Kusiyana nei finance de Demain inoshandiswa kuziva nzira yekukupa mazano ekukubatsira iwe kuwedzera bhizinesi rako, ichi chimwe chinyorwa chinokupa iwe pane banking jargon. Aya mazwi akakosha ekubhengi ndiwo mazwi aunowanzo kunzwa paunoshanyira bhangi. Chinangwa chegwaro iri saka kukubatsira kuti unzwisise zviri nani banking jargon.

handeyi

Chibvumirano cheakaundi

Icho chibvumirano chinodzora account yako yechikwereti yakavhurika. Inopa ruzivo nezve shanduko dzinogona kuitika paaccount.

Nhoroondo yeakaundi

Iyi ndiyo nhoroondo yekubhadhara kweakaundi mukati menguva yakati, kusanganisira nhamba yenguva yakapfuura account kana kuti yakapfuura muganhu.

Account holder

Uku kutaura kunoreva munhu chero upi zvake ane mvumo yekuita kutengeserana achimiririra account. Siginicha yemunhu wese ane account inofanirwa kunyoreswa nebhanga. Siginicha inobvumidza munhu iyeye kuita bhizinesi akamiririra account.

Ona mibvunzo inechekuita neJoint opt-in account holder Overdraft, a joint account Verification Mvumo uye basa reakaundi yakabatana.

Kuwedzera kufarira

Iyi mhindu yakawanikwa asi isati yabhadharwa.

Variable Rate Mortgages

Izvi zvikwereti zvinopihwa nebhanga kuti vatore zvivakwa. Chekutanga chimbadzo chinowanzova chakaderera pane zvakajairwa zviyereso zvakajairwa zvikwereti. Iyi chiyero inogona kuchinja pamusoro pehupenyu hwechikwereti zvichienderana nemamiriro emusika.

Iko kunowanzo kuve nepamusoro (kana sirin'i) uye shoma (kana pasi) inotsanangurwa muchibvumirano chechikwereti. Kana mibairo inowedzera, kubhadharwa kwechikwereti kunowedzerawo. Kana mubereko wadonha, kubhadharwa kwechikwereti kunogona zvakare. Tarisa ichi chinyorwa kuti udzidze zvakawanda nezve Mortgages.

Kuita kwakashata

Iko kuramba kwemukweretesi kupa chikwereti pasi pemamiriro akakumbirwa, kubviswa kweakaunti iripo kana kushandurwa kusingafadzi kweakaundi iripo.

Zvakaipa Action Notice

Chiziviso chinodiwa neEqual Credit Opportunity Act chinozivisa munyoreri wechikwereti kana ane chikwereti chiripo chekuramba chikumbiro chake chechikwereti kana kurayira shanduko yemamiriro ezvinhu anoonekwa seasina kunaka kune ane account.

Alteration

Iko chero shanduko inosanganisira kudzima kana kunyora zvakare zuva, huwandu kana muripo wecheki kana chimwe chiridzwa chinogona kutaurirana.

Amortization

Inzira yekudzikisa chikwereti kuburikidza nezvikamu zvenguva dzose zvemukuru uye mubereko izvo zvinozoguma nekubhadharwa kwechikwereti kana chakakodzera.

Chiyero chegore negore

Ndiyo mari yechikwereti pagore, inoratidzwa sechikamu.

Kudzoka kwegore negore

A percentage rate inoratidza huwandu hwese hwemubereko hwakabhadharwa padhipoziti account zvichibva pachiyero chemubereko uye kusanganisa frequency kwegore remazuva 365.

Kuongorora

Chiito chekuongorora nekugadzirisa kukosha kwechimwe chivako kana real estate.

Mvumo

Kupihwa kwemvumo nemupi we kadhi rechikwereti, mutengesi kana imwe mubatanidzwa, kuti apedze kutengeserana kwekadhi rechikwereti.

Automated Clearing House (ACH)

Nzvimbo yekombuta inoshandiswa nenhengo dzedhipoziti masangano kusanganisa zvemagetsi, kuronga uye kugovera interbank kiredhiti uye zvikwereti.

ACHs inogadzira kuendeswa kwemagetsi kwezvibatiso zvehurumende uye inopa masevhisi evatengi, senge dhipoziti yakananga yemubhadharo wevatengi uye mubhadharo wemabhenefiti ehurumende (kureva Social Security, Welfare, uye veterans kodzero) uye pre-mvumo yekuendeswa. Ona mibvunzo inechekuita pane zvemagetsi transaction.

Automatic teller muchina (ATM)

Iwo muchina, wakabatiswa nekadhi remagineti encoded kana imwe svikiro, iyo inogona kugadzirisa akasiyana siyana emabhangi. Izvi zvinosanganisira kubvuma madhipoziti uye kubhadhara chikwereti, kutora mari, uye kuendesa mari pakati peakaundi.

Kubhadhara bhiri otomatiki

A controlless system yekubhadhara mabhiri anodzokororwa nechitauriri chemvumo imwe chete kusangano rezvemari. Somuenzaniso, mutengi anongoda chete kupa mvumo fomu/tsamba/gwaro rekubhadhara tambo yebhiri mwedzi wega wega. Madhibhiti anodiwa uye makiredhiti anoitwa kuburikidza neautomated clearing house (ACH).

zuva rekuwanikwa

Gwaro rebhangi rekuti mari yaiswa muakaundi ichavepo kuti ibviswe.

Balance iripo

Kusara kweakaundi kushoma chero inobata, mari isina kuunganidzwa, uye zvirambidzo paaccount.

Chikwereti chiripo

Ndiwo mutsauko uripo pakati pemuganho wechikwereti wakapihwa kuakaunti yemuridzi wekadhi uye chiyero cheakaundi chazvino.

Balance transfer

Maitiro ekutamisa mari yasara kubva kune imwe kadhi rechikwereti kuenda kune imwe. Izvi zvinowanzoitwa kuti uwane mubereko wakaderera pamari yasara. Mafambisirwo dzimwe nguva ari pasi pemari yekufambisa.

depositary bank

Mutariri webhanga ane basa rekuchengetedza kuchengetedzwa kwemidziyo yemutengi inochengetwa pane imwe yenzvimbo yevachengeti, nzvimbo inochengeterwa muchengeti kana muchengeti wekunze.

Bank wongororo

Ongororo yemidziyo yebhangi, mari uye mari. Ongororo iyi ine chinangwa chekuona kuti bhanga ranyungudika uye rinoshanda zvichitevedza mitemo yemabhanga uye nemabhindauko akanaka ekubhanga.

Bank statement

Nguva nenguva, bhangi rinopa chirevo chedhipoziti account yemutengi. Chirevo ichi chinoratidza madhipoziti ese akaitwa, cheki dzese dzakabhadharwa uye mamwe madhibhiti akarekodhwa panguva iyi, pamwe nechiyero chazvino.

zuva rekubhengi

Izuva rebhizinesi iro hofisi yebhanga yakavhurika kune veruzhinji kunenge mabasa ayo ese ekubhanga.

Kubhuroka

Munhu akabhuroka, bhizinesi, kana mubatanidzwa hauna zvinhu zvakakwana zvekubhadhara zvikwereti zvaro. Uyo ane chikwereti anotsvaga rubatsiro kuburikidza nemitemo yepamutemo yekugadza purogiramu yekubhadhara kana kudzima zvikwereti.

Mune zvimwe zviitiko, mukwereti anofanira kuregedza kutonga kwezvinhu zvese kune anogadzwa nedare trustee.

Kubhuroka

Nzira yepamutemo iyo nyaya dzemunhu akabhuroka dzinopihwa kune mutirastii kana mugamuchiri wekutonga pasi pemitemo yekubhuroka. Kune marudzi maviri ekubhuroka:

• Involuntary bankruptcy - mukweretesi mumwe chete kana kupfuura wemukwereti asina mari anoisa chikumbiro chekuti mukwereti anzi haana mari.
• Kubhuroka nokuzvidira - mukwereti anoisa chikumbiro achiti haakwanisi kuzadzisa zvisungo zvake zvemari uye chido chake chekuti anzi haana mari.

Mubatsiri

Munhu ane kodzero yekuwana mabhenefiti kana mari yewiro, trust, insurance policy, pension plan, annuity kana imwe contract.

Billing cycle

Nguva yenguva iri pakati pemazuva enguva dzose periodic statement inoburitswa.

Zuva rekubhadhara

Mwedzi, zuva uye gore rekugadzira chirevo che periodic kana chemwedzi. Maverengero akaitwa emuchaji wemari wakakodzera, muripo wakaderera unofanirwa uye chiyero chitsva.

Kubhadhara kukanganisa

Imhosva inoonekwa pane periodic statement ine chekuita nekuwedzera kwekiredhiti (semuenzaniso, kadhi rechikwereti) iyo isina kubvumidzwa nemuridzi wemakadhi kana mumiririri wavo, isina kunyatsozivikanwa, uye haina kugamuchirwa nemuridzi wemakadhi kana mumiririri wake. .

Kukanganisa kwekubhadhara kunogonawo kukonzerwa nekutadza kwemukwereti kukwereta mubhadharo kana imwe kiredhiti kuakaundi pamwe neakaunzi uye vanyori zvikanganiso.

Zuva rebhizimisi

Chero zuva iro mahofisi ebhanga akavhurika kune veruzhinji kuti vaite mabasa ese ebhanga.

Cheki yakanzurwa

Icheki iyo bhanga yakabhadhara, kubvisirwa account yemuridzi weakaundi, yobva yabvumira. Kana yavharwa, cheki haichatauriki.

Bank cheki

Icheki inotorwa pamari yebhangi, kwete mari iri muaccount yemudhipoziti. Zvisinei, mudhipoziti akabhadhara cheki yemubhadharo nemari kubva muakaundi yake. Kubatsira kukuru kwecheki yemubhadharo ndeyekuti mubhadharo wecheki anovimbiswa kuti mari iripo.

Bvunza iyo musiyano pakati pemacheki ekubhangi, macheki emunhu nemacheki akasimbiswa

Rega uye Ramba Tsamba

Tsamba yekukumbira kuti kambani imise basa rataurwa mutsamba.

Chitupa chedhipoziti

Chishandiso chinogoneka chakapihwa nebhangi mukutsinhana nemari, kazhinji ine mubereko, inoiswa kubhangi. Tarisa ichi chinyorwa kuti udzidze zvese nezvazvo zvitupa zvedhipoziti.

Chitupa chekuburitsa

Gwaro rakasainwa nemukweretesi rinotaura kuti mbavha yabhadharwa zvizere uye zvikwereti zvose zvapera. Iyo inozivikanwawo sekusunungurwa kwe lien.

Certified cheki

Cheki yega yega inodhonzwa nemunhu ane certified (akavimbiswa) kuti akanaka. Kumberi kwecheki kune mazwi ekuti "certified" kana "accepted" uye kunosainwa nemukuru webhanga kana savings institution iripa cheki. Siginicha inoreva kuti siginicha yedhirowa ndeyechokwadi, uye mari yakakwana inoiswa uye inochengeterwa kubhadhara cheki.

Tarisa

Yakanyorwa yekuraira inoraira sangano rezvemari kuti ribhadhare nekukasira parinodiwa mari yakatarwa kubva kuakaundi yemunyori wecheki kumunhu akadomwa pacheki kana, kana mumwe munhu asina kudomwa zita, kumunhu anenge achiendesa cheki kusangano kuti ribhadharwe.

Check truncation

Iko kushandurwa kwecheki data kuita mufananidzo wemagetsi mushure mekunge cheki yapinda muhurongwa hwekugadzirisa. Cheki truncation inobvisa kukosha kwekudzosera macheki akanzurwa kune vatengi.

Current account

Idhipoziti account inodiwa zvichienderana nekubviswa kwemari necheki. Tarisa gwara iri Bank Current Account - Zvinoreva, Zvakanakira uye Zvakaipa

ChexSystems

ChexSystems, Inc. network inoumbwa nenhengo dzemasangano ezvemari ayo anogara achipa ruzivo pamusoro pemaakaundi ekutarisa nemasavings account munzvimbo imwechete. ChexSystems inogovera ruzivo urwu pakati penhengo dzemasangano kuti avabatsire kuongorora njodzi yekuvhura maakaundi matsva. Inzvimbo yengozi.

ChexSystems inongogovera ruzivo nemasangano enhengo; haisarudze pakuvhurwa kwemaakaundi matsva. Kazhinji, ruzivo runoramba ruri paChexSystems kwemakore mashanu.

Chikwereti chenguva isingaperi

Semutemo wakajairwa, chero chikwereti chakakwirisa mari yacho, pamwe nechaji dzemari, chinotarisirwa kubhadharwa zvizere nezuva rakatarwa. Zvikwereti zvizhinji zvemba uye motokari zvibvumirano zvechigarire.

Kuvharwa kwechikwereti chemondgage

Kupedzwa kwechibvumirano chekutengesa zvivakwa umo magwaro ese akakodzera anosainwa uye mari yekubhadhara inobva yabviswa nemukweretesi.

Mari yekuvhara

Mari inoshandiswa nevatengesi nevatengi kutamisa varidzi vezvivakwa. Mari yekuvhara inogona kusanganisira muripo wekutanga, mapoinzi ekuderedzwa, mari yegweta, mari yechikwereti, kutsvaga zita uye inishuwarenzi, mari yekuferefeta, mari yekunyoresa uye kiredhiti repoti.

Chibvumirano

Zvinhu zvinopihwa kuchengetedza chikwereti kana chimwe chikwereti. Semuenzaniso, kana iwe ukawana imba yekubhadhara imba, chibatiso chebhangi chinowanzova imba yako. Chibatiso chinobatwa muchiitiko chekutadza.

Recovering agency

Imwe kambani inobatanidzwa nemukweretesi kuti itore chikwereti kwaari. Vakwereti vanowanzohaya kambani yekuunganidza chete mushure mekunge vaedza kutora chikwereti ivo pachavo.

Collective investment funds

A Mutual Fund trust yakagadzirwa uye inotungamirwa nebhanga kana kambani yekuvimba inounganidza zvinhu zvevatengi vakawanda.

Co-signer

Munhu wenyama anosaina katsamba kemumwe munhu anotsigira anosaina kiredhiti uye anova nemhosva yezvisungo zvacho.

Chikwereti chikumbiro

Fomu rinofanira kuzadzikiswa nemunyoreri weakaundi yekiredhiti, ichipa ruzivo rwakakwana (pekugara, basa, mari uye zvikwereti zviripo) kuitira kuti mutengesi atarise kukodzera kwemunyoreri. Dzimwe nguva mari yekunyorera inobhadhariswa kubhadhara mari yekugadzirisa chikwereti.

Mutori wechikwereti

Chero sangano rezvemari rinopa makadhi ekubhangi kune avo vanoakumbira.

Inishuwarenzi yechikwereti chekuremara

Imhando yeinishuwarenzi inobhadhara chikwereti kana ukarwara kana kukuvara uye usingakwanise kushanda. Iyo inozivikanwawo seinishuwarenzi yetsaona uye inishuwarenzi yehutano.

Inishuwarenzi yehupenyu hwechikwereti

Rudzi rweinishuwarenzi yehupenyu inobatsira kubhadhara chikwereti kana ukafa chikwereti chisati chabhadharwa. Iyi itori yekusarudza.

Chikwereti chinogumira

Nhamba yepamusoro yechikwereti inowanikwa pakadhi rechikwereti kana imwe mutsara wechikwereti.

Mushumo wechikwereti

Chirevo chakadzama chenhoroondo yekiredhiti yemunhu chakagadzirwa nebazi rechikwereti uye rinoshandiswa neanokweretesa kuona kukodzera kwechikwereti cheanokumbira chikwereti.

Credit reporting agency

Iyo agency inounganidza ruzivo rwechikwereti chemunhu uye ichitengesa kune muripo kune vanokwereta kuti vagone kuita sarudzo yekupa zvikwereti. Vatengi vakajairwa vanosanganisira mabhanga, vanokweretesa vemba, makambani emakadhi echikwereti uye mamwe makambani emari.

Nguva shoma

Nguva yezuva yakagadzwa nebhangi yekugamuchira dhipoziti. Mushure menguva yekucheka, madhipoziti anoonekwa akagamuchirwa zuva rinotevera rebhizinesi.

Chikwereti

Debit inogona kunge iri account yekupinda inomiririra mari yaunokwereta kumukweretesi kana mari yakatorwa kubva kuaccount yako.

Debit card

Kadhi rechikwereti inobvumira muridzi weakaundi kuti awane mari yavo nemagetsi. Madhibhiti makadhi anogona kushandiswa kuwana mari kubva kumaATM kana kutenga zvinhu kana masevhisi uchishandisa nzvimbo-yekutengesa masisitimu. Kushandiswa kwekadhi rechikwereti kunosanganisira kubhadharisa nekukasira maakaundi evatengi.

Mukwereti

Munhu ane chikwereti chemari yebato.

Chikwereti-ku-income ratio (DTI)

Chikamu chemari inotambirwa nevatengi pamwedzi inoshandiswa kubhadhara zvikwereti. Kazhinji, iyo yakakwira reshiyo, inowedzera njodzi inofungidzirwa. Zvikwereti zvine njodzi yepamusoro zvinowanzo kutengwa nemutengo wepamusoro.

Kunonoka kubhadhara

Muripo wakamisikidzwa kune rimwe zuva.

Kuendeswa kwechikumbiro

Dhipoziti yemari inogona kubviswa pasina chiziviso.

Deposit slip

Memorandamu yakadzama yemari nedzimwe mari inopiwa nemutengi kubhangi kuti akweretese account yake.

Mashoko anozvidza

Dhata yakagamuchirwa nemunhu anokwereta inoratidza kuti munyoreri wechikwereti haana kugadzirisa maakaundi nevamwe vakweretesi sezvinodiwa.

Direct deposit

Kubhadhara kunoiswa nemagetsi muakaundi yemunhu padhipoziti-inotora institution.

Kupokana kwakananga

Kupokana kwakatumirwa zvakananga kumupi maererano nekururama kweruzivo rwuri mushumo yako yemutengi maererano neakaundi kana humwe hukama hwaunahwo nemupi.

Yakaipa dhizaini

Gwaro rakanyorwa uye rakasainwa iro rimwe bato (dhirowa) rinoraira mumwe bato (mudhirowa) kubhadhara mari yakatarwa kune wechitatu bato (mubhadharo), pakuona kana pazuva rakatarwa. Madhiramu ebhangi emhando yezvishandiso zvinogoneka uye akafanana munzira dzakawanda dzekutarisa.

Drawn

Munhu (kana bhangi) anofanirwa kubhadhara cheki kana gwaro kana achinge apihwa kubhadhara.

Bhengi raDrawee

Bhengi panodhirowewa cheki.

Electronic banking system

Sevhisi inobvumira muridzi weakaundi kuti awane ruzivo rweakaundi uye kutonga mamwe mabhindauko ekubhanga achishandisa komputa yako kuburikidza newebhusaiti yesangano rezvemari paInternet. Izvi zvinozivikanwawo se online bhengi.

Shanduko yemagetsi cheki

Electronic cheki shanduko inzira iyo cheki yako inoshandiswa senzvimbo yeruzivo yenhamba yecheki, nhamba yeakaundi yako, uye nhamba inoratidza yako zvemari.

Ruzivo rwunobva rwashandiswa kuita imwe-nguva yekubhadhara yemagetsi kubva kuaccount yako - kuendesa mari yemagetsi. Cheki pachayo haisi nzira yekubhadhara.

Kuendeswa Kwemari Yemagetsi (EFT)

Kuendeswa kwemari pakati peakaundi kuburikidza nemagetsi evatengi masisitimu - senge maATM uye emagetsi kubhadhara bhiri - pane cheki kana mari. Electronic transfers, cheki, dhizaini uye zviridzwa zvemapepa hazviwire muchikamu ichi.

Embezzlement

Munyika zhinji, embezzlement inotsanangurwa sekuba/kuba zvinhu (mari kana pfuma) nemunhu ari pachinzvimbo chekuvimbwa kana mutoro pamusoro pezvinhu izvozvo. Embezzlement inowanzoitika mumamiriro ebasa uye bhizinesi.

Coding

Maitiro anoshandiswa kudhinda kana kunyora magineti mavara pamacheki, madhipoziti uye zvimwe zviridzwa zvemari.

Kugadziriswa kwemhosho

Maitiro anodiwa kugadzirisa zvikanganiso zvinosanganisira kufambisa kwemagetsi kuenda nekubva kumadhipoziti maakaundi.

Escrow

Chimbo chemari chakachengetwa nemunhu wechitatu achimiririra mamwe mapato maviri mukutengeserana. Mari inobatwa neEscrow Service kusvika yawana mirairo yakakodzera yakanyorwa kana yemuromo kana kusvika zvisungo zvazadzikiswa. Securities, mari uye zvimwe zvinhu zvinogona kuiswa mu escrow.

Escrow Analysis

Ongororo yenguva nenguva yeakaundi escrow nekambani yekukwereta kuti ione kuti mari yemwedzi nemwedzi inokwana kubhadhara mutero, inishuwarenzi, uye zvimwe zvinhu zvine chekuita ne escrow kana zvakakodzera.

Escrow Fund

Mari inochengetwa nekambani yemortgage kubhadhara mitero, inishuwarenzi nezvimwe zvinhu zvine chekuita nembavha pazvinenge zvakakodzera.

Estate account

Akaundi inobatwa muzita remufi uye inotungamirirwa nemuiti wenhaka kana mutarisiri wenhaka.

Trustee

Kuita semutongi, maneja, mutarisiri, muchengeti kana trustee wetrust yemhuri, trust yakatenderwa kana testamentary trust, kana mugamuchiri kana trustee yekubhuroka.

Mari yekubhadhara

Mari yose yechikwereti mutengi anofanira kubhadhara pachikwereti chemutengi, kusanganisira mubereko.

Financial Regulatory Agency

Sangano rakabvumidzwa nemutemo kuona kushanda kwakachengeteka uye kwakanaka kwemasangano emari ane rezinesi.

Fixed rate chikwereti

Chibereko uye kubhadhara kunoramba kwakafanana panguva yechikwereti. Mutengi anoita mari yakaenzana pamwedzi yemukuru uye mubereko kusvikira chikwereti chabhadharwa zvizere. Ngatidzidzei zvakawanda pamusoro pezvikwereti.

Fixed rate mortgage

Chikwereti chine mubhadharo unogara wakafanana kwehupenyu hwechikwereti nekuti mubereko uye mamwe mazwi akagadziriswa uye haashanduke.

Mari yekutengeserana kune dzimwe nyika

Mari inoongororwa nebhanga rako pakuita kutengeserana paATM yerimwe bhanga.

Forged cheki

Icheki iyo siginicha yedhirowa yakanyorerwa. Ona mibvunzo ine chekuita nekunyepedzera.

Kunyepa

Siginicha yehutsotsi kana kusandurwa kwezita remumwe muchiridzwa chakaita segwaro, rendesheni kana cheki. Chinangwa chekukanganisa ndechekunyengedza kana kubiridzira.

Akaunti yakamiswa

Iyo account iyo mari isingakwanisi kubviswa kusvika chibvumirano chagutsikana uye dare redzimhosva kana imwe nzira yepamutemo inoita kuti account iwanikwe yekubviswa. Somuenzaniso, akaundi yemushakabvu inovharwa ichimirira mutongo wedare kuti mari iyi igoverwe kuvaridzi vatsva.

Iyo account inogona zvakare kuvharwa kana paine gakava maererano neari muridzi weaccount. Bhangi richamisa account kuchengetedza mari iripo kusvika danho remutemo rakwanisa kuona muridzi akakodzera.

Searing/Topping

Maitirwo emutemo anobvumira mukweretesi kutora mari muakaundi yako yekubhangi kuti abhadhare chikwereti chausina kubhadhara. Kana uine chikwereti kune mumwe munhu kana bhizinesi mari, vanogona kuwana dare rekuti bhangi rako ribvise mari kubva kuaccount yako kuti ubhadhare chikwereti chako.

Garant

Bato rinobvuma kuva nemhosva yekubhadhara zvikwereti zverimwe bato kana rikakundikana nebato iroro.

Home equity line yechikwereti

Mutsara wechikwereti wakachengetedzwa nechiyero mumusha wemutengi. Inogona kushandiswa kugadzirisa imba, kubatanidza chikwereti, uye zvimwe zvinotengwa zvikuru. Chibereko chinobhadharwa pachikwereti chinowanzo bviswa mutero. Mari inowanikwa nekunyora cheki pamutsetse wechikwereti kana nekuwana mari yekumberi.

Home Equity Chikwereti

Chikwereti chekubhadhara imba chinokutendera kuti ubate mune yakaunganidzwa equity mumba mako. Ndiwo musiyano uripo pakati pemari yaungatengeserwa imba yako nemari yauchiri kukwereta.

Varidzi vedzimba vanowanzoshandisa chikwereti chemari yeimba kugadzirisa imba yavo, kubhadhara motokari itsva, kana kubhadhara dzidzo yekoroji yemwana wavo. Mubereko unobhadharwa kazhinji unobvisirwa mutero.

Sezvo chikwereti chakachengetedzwa nekuenzana mumba mako, kana iwe ukatadza, bhangi rinogona kufanotaura imba yako uye kutora muridzi wayo.

Rudzi urwu rwechikwereti dzimwe nguva runonzi yechipiri mortgage kana kukwereta paimba yako.

Inactive account

Iyi inhoroondo ine zvishoma kana kuti isina basa; hapana madhipoziti kana kubvisa kwakanyorwa muakaunti kwenguva yakakosha.

Indexed certificate of deposit

CD ine indexed idhipoziti inodiwa kubhangi rinopa uye rinowanzo tengeswa kuburikidza neakabatana uye asina hukama nemapazi emabhangi nemabroker. Indexed CDs inopa mubhadhari mukana wekutora chikamu mukutenda, kana iripo, yeimwe index, panguva yeCD.

MaCD akaiswa indexed anogona kuve akaomesesa ekubhadhara zvimiro uye anogona kunge asina kana kusave akakodzera kune vese vanoisa mari. Vagadziri vemari vanofanirwa kutarisisa kutarisisa kwengozi yekudyara kwakatsanangurwa mune yakakodzera magwaro ekupa uye zvirevo zvekuburitsa.

Indexed maCD haasi securities uye haana kunyoreswa pasi pemitemo yezvibatiso.

Individual account

Nhoroondo muzita remunhu.

Munhu wega wega retirement account

Chirongwa chekuchengeta pamudyandigere kuvanhu vanobvisirwa mutero wepagore wemipiro kusvika kune imwe muganhu unogona kuitwa. Mari yakabhadharwa haibatirwe mutero kusvika yabviswa. Kubvisa hakubvumidzwe pasina chirango kutozosvikira munhu asvika zera rakatarwa. Heinoi sei kuchengetedza kusagadzikana-kusununguka pamudyandigere wako

Mari isina kukwana

Kana dhipoziti yeazvino account bharari isingakwani kubhadhara cheki inounzwa kuti ibhadharwe.

Inishuwarenzi (Njodzi)

Inishuwarenzi yekudzivirira muridzi uye mukweretesi kubva mukukuvadzwa kwemuviri kune chivakwa kubva kunzvimbo dzakadai semoto, mhepo kana kuparadza.

Joint account

Nhoroondo inobatwa nevanhu vaviri kana kupfuura. Chero bato rinogona kuita zvakasiyana kana pamwe chete zvinoenderana nechibvumirano chedhipoziti account.

Kite

Nyora cheki yemari inozovharisa akaundi yacho asi wozozadzisa chisiri chacho nokuisa imwe cheki kune rimwe bhangi. Semuenzaniso, kutumira cheki yekutora chikwereti kana account yako yekuongorora isina mari yakakwana yekuvhara cheki, asi uchitarisira kugamuchira uye kuisa mubhadharo wako pamberi pekambani yekubhadhara chikwereti ichipa cheki yekubhadhara.

Mari dzekunonoka

Mari inobhadhariswa kunonoka kubhadhara pachikwereti chechikamu, kazhinji chinotaridzwa sechikamu chechikamu chechikwereti kana chiyero chekubhadhara. Zvakare, chirango chinotemerwa neanopa kadhi paakaundi yemuridzi wemakadhi nekuda kwekutadza kubhadhara zvishoma.

Mukweretesi

Munhu kana sangano rezvemari rinokweretesa mari netarisiro yekuti mari ichadzoserwa nemubereko.

Ropafadzo

Matanho emutemo pamusoro pemudziyo. Kana chivako chatengeswa, muridzi wechikwereti anobva abhadharwa mari yaanenge achikwereta.

Mutsara wechikwereti

Mvumo yekukwereta yakatemerwa kare ine muganho chaiwo wekukwereta zvichienderana nekukwereta. Mutsara wechikwereti unobvumira vanokwereta kuti vawane imwe nhamba yezvikwereti pasina kuisazve nguva imwe neimwe chero bedzi mari yakakweretwa isingapfuure muganhu wechikwereti.

Chibvumirano chechikwereti

Chibvumirano chakanyorwa pakati pemukwereti uye mukweretesi umo mitemo nemamiriro echikwereti anoiswa.

Mari yechikwereti

Mari inobhadhariswa nemukweretesi kuita chikwereti (pamwe nemhindu inobhadhariswa mukwereti).

Kurongeka kwekugadzirisa chikwereti

Chibvumirano chechibvumirano muchikwereti chinobvumira mukwereti kana mukweretesi kuti achinje zvachose imwe kana akawanda ezvirevo zvekondirakiti yekutanga. Ona mubvunzo unoenderana nerubatsiro rwemondi.

Chikwereti chinoenderera

Huwandu hwemari iyo sangano rinokweretesa rinobvisa pasi pechikwereti uye rinobva rakwereta kune akakwereta.

Kukura

Zuva rekuti chikamu chikuru chechikwereti, bond kana chimwe chiridzwa chemari chiitwe.

Izvo zvishoma zvakasara

Huwandu hwemari inofanirwa kuiswa muakaundi kuti ikwanise dhipoziti kune yakakosha masevhisi kana kubvisa mari yebasa.

Minimum payout

Mari shoma inofanirwa kubhadharwa mwedzi wega wega pachikwereti, mutsetse wechikwereti kana chimwe chikwereti.

Muripo usipo

Muripo waitwa asi usina kuiswa kuaccount chaiyo.

Money Market Deposit Account

A saving account inopa mubereko wepamusoro mukutsinhana nehombe pane yakajairika. Dzidza zvese nezve maakaundi emusika wemari.

Mari yemusika mari

Iyo yakavhurika-yekupedzisira mutual fund inodyara muchikwereti chenguva pfupi uye mari zviridzwa senge treasury mabhiri uye inobhadhara mari yemusika mubereko. Mari yemusika wemari inowanzopa cheki kunyora ropafadzo.

Mortgage

Chimbo chechikwereti chinoshandiswa mukutengeserana kweimba apo chivako chiri chibatiso chechikwereti. Mortgage inopa mukweretesi kodzero yekutora pfuma kana mukwereti akatadza kubhadhara chikwereti.

Mortgage

Chikwereti chinopiwa nemukweretesi kune anokwereta kuti awane mari yezvivakwa. Mortgages: chii chekuziva nezve idzi nzira dzekubhadhara mari?

Mortgage creditor

Mukweretesi muukama hwechikwereti.

Mortgagor

Mukwereti muukama hwechikwereti. Iyo pfuma inoshandiswa sechibatiso kuita muripo.

Mutual fund

Homwe inotungamirwa nekambani yekudyara inounganidza mari kubva kune vanogovana mari uye inoiisa mumasheya, mabhondi, sarudzo, zvigadzirwa kana mari yemusika chengetedzo.

Iyi mari inopa vatengesi zvakanakira kusiyanisa uye manejimendi ehunyanzvi.

Official Check

Cheki yakadhirowewa kubhangi yosainwa nemukuru webhanga ane mvumo. (Inozivikanwawo secheki ye cashier.)

Online banking

Sevhisi inobvumira muridzi weakaundi kuti awane ruzivo rweakaundi uye kutonga mamwe mabhanga ekubhanga kuburikidza nekombuta yega kuburikidza newebhusaiti yesangano rezvemari paInternet. Izvi zvinozivikanwawo seInternet kana electronic banking.

Chikwereti chisingaperi

Chibvumirano chechikwereti (kazhinji kadhi rechikwereti) chinobvumira mutengi kukwereta achitarisana netambo yakatenderwa yechikwereti paanenge achitenga zvinhu nemasevhisi. Mukwereti anobhadhariswa mari yaanenge akwereta chete pamwe neinodiwa. Iyo inonziwo account account kana kiredhiti inotenderera.

Cheki yakapfuura

Cheki yakapihwa neanoisa mari iyo isati yaunzwa kuti ibhadharwe kana kubhadharwa nebhangi remuchengetedzi.

Overdraft

Kana mari inotorwa kubhanga yakakura kudarika mari inenge iripo muaccount, yakawandisa inonzi overdraft uye account yacho inonzi yave overdraw. Tarisa zvedu kutungamira kune kubhangi overdrafts.

Kupfuura

Nyora cheki yemari yakakura kudarika yaiswa muakaundi.

Muganho wapfuura

Akaunti yechikwereti yakavhurika iyo iyo dhora rakapihwa muganho wapfuura.

Kabhuku

Bhuku riri muchimiro che general ledger umo madhipoziti, mari yabviswa uye mihoro kubva kuakaundi yekuchengetera yemutengi inorekodhwa.

Chinhu chapfuura

Chero chinyorwa kana chimwe chiridzwa chechikwereti chenguva pfupi chisina kubhadharwa nemusi wakakodzera.

Payday zvikwereti

Chikwereti chenguva pfupi chemari shoma iyo mukwereti anobvuma kudzorera pamubhadharo wavo unotevera kana dhipoziti yemari. Payday zvikwereti mhando dzakakosha dzezvikwereti

Nguva yekubhadhara

Zuva rekubhadhara chikwereti kana chikamu chekubhadhara. Inotarwa nesangano rezvemari. Chero muripo unogamuchirwa mushure mezuva rino unoonekwa sekunonoka; mubhadharo uye zvirango zvinogona kuongororwa.

Chiziviso chekubhadhara

Chirevo chepamutemo chakagadzirirwa kana kubhadhara chikwereti kuchifungidzirwa. Inoratidza mamiriro azvino eakaundi yechikwereti, zvikwereti zvese uye chiyero chemubereko chezuva nezuva.

Periodic rate

Mari yemubereko inotsanangurwa maererano neshoko chairo. Somuenzaniso mwedzi periodic mwero mutengo wechikwereti pamwedzi; zuva nezuva periodic rate ndiyo mutengo wechikwereti pazuva.

Periodic declaration

Pfupiso yekubhadhara inogadzirwa uye inotumirwa panguva dzakatarwa, kazhinji pamwedzi.

Personal Identification Number (PIN)

Kazhinji nhamba ine mavara mana kana izwi, iyo PIN ndiyo yakavanzika kodhi inopihwa kune vane kiredhiti kana makadhi ekubhengi kuti vawane account yavo. Iyo kodhi inopihwa zvisina tsarukano nebhangi kana kusarudzwa nemutengi. Izvo zvakagadzirirwa kudzivirira kushandiswa kusingatenderwi kwekadhi kana uchinge wawana chiteshi chebasa rezvemari.

Phishing

Chiitiko chekubiridzira muridzi weakaundi yepamhepo ruzivo rwemari nekuteedzera sangano riri pamutemo.

Marshal

Chishandiso chakanyorwa chinobvumidza mumwe munhu kuita semumiriri wemumwe. Simba regweta rinogona kunge riri rekuita chaiko uye kwakanangana, kana kuti ringave remhando. Mitemo yesimba rakanyorwa regweta rinogona kutsanangura zuva rekupera. Zvikasadaro, simba regweta rinowanzopera parufu rwemunhu aripa.

Mamwe masangano anoda kuti iwe ushandise simba rebhangi remagweta mafomu. Bhangi rinogona kudana iri simba rinogara regweta: mukuru anopa kodzero dzakananga kumumiririri.

Pre-mvumirwa kubhadhara

Sisitimu inotangwa nechibvumirano chakanyorwa apo iyo sangano rezvemari inotenderwa nemutengi kubvisa account yemutengi kuitira kubhadhara mabhiri kana kubhadhara chikwereti.

Prepayment

Kubhadharwa kwechikwereti chisati chasvika.

prepayment clause

Chikamu chechikwereti chinobvumira mukwereti kubhadhara chimwe kana kuti chese chechikwereti chasara chisati chasvika.

Chirango chekubhadhara kare

Chirango chinotemerwa munhu anenge akwereta kuti adzorere chikwereti chacho zuva risati rasvika. Munyaya yechikwereti chemba, izvi zvinoshanda kana pasina chirevo chekubhadhara kare muchikwereti chemortgage kubvisa chirango.

Yakapfuura chiyero

Kusara kweakaundi yemuridzi wemakadhi seyekutaura kwekubhadhara kwapfuura.

Principal balance

Mari yasara yechikwereti, isingasanganisire mubereko nemari.

Kusunungurwa kweropafadzo

Kusunungura real estate kubva muchikwereti. Ona mubvunzo wakabatana pakusunungurwa kweropafadzo.

Renewal

Chimiro chekuwedzera chikwereti chasara icho chisara chechikwereti chemukwereti chinotenderedzwa (chakakungurutswa) kuchikwereti chitsva pakutanga kwenguva inotevera yemari.

Residual interest

Mubereko unoramba uchiwedzera pane yako kadhi rechikwereti kubva pazuva rekutaura kusvika bhangi rawana mubhadharo wako.

Semuenzaniso, kana zuva rako rekutenderera kwesitatimendi raive Ndira 10 uye bhangi rakagamuchira mubhadharo wako musi wa20 Ndira, paive nemazuva gumi ayo akawedzera mubereko. Mari iyi ichaonekwa pachitaurwa chako chinotevera.

Dzorera chinhu

Chishandiso chinogona kutaurirana—kunyanya cheki—chakatumirwa kubhangi kuti chinotorwa nokubhadharwa uye chinodzorerwa chisina kubhadharwa nebhangi rabuda.

Reverse Mortgage

Reverse mortgage chinhu chakakosha chechikwereti chemba chinobvumira muridzi wemba ane makore makumi matanhatu nemaviri kana kupfuura kuti awane iyo equity yakavakirwa mumba mavo. Imba yacho pachayo ndiyo ichava tsime rekubhadhara.

Chikwereti chinotorwa zvichienderana nekukosha kwechibatiso (imba) uye tarisiro yehupenyu hwemukwereti. Chikwereti chinofanirwa kubhadharwa kana wafa, tengesa imba yako kana kuti usingachagarimo semusha wako mukuru. Ona mibvunzo inoenderana nereverse mortgages.

Chikwereti chinotenderera

Chibvumirano chechikwereti (kazhinji kadhi rechikwereti) chinobvumira mutengi kukwereta achitarisana netambo yakatenderwa yechikwereti paanenge achitenga zvinhu nemasevhisi. Mukwereti anobhadhariswa mari yaanenge akwereta chete pamwe neinodiwa. Iyo inonziwo account account kana open credit.

Kodzero yekusimuka

Ikodzero yepamutemo yemabhanga kutora mari iyo muchengeti kana ane chikwereti angave nayo padhipoziti kuti avhare chikwereti chaakatadza kubhadhara.

Kodzero yekuramba

IKodzero yekumisa, mukati memazuva matatu ekushanda, kondirakiti inoshandisa imba yemunhu sechibatiso, kunze kwenyaya yechikwereti chekutanga chemba. Iko hakuna muripo wemukwereti, uyo anogamuchira kudzoserwa kwakazara kwese mari inobhadharwa. Safe

Mortgage Kugutsikana

Gwaro rakabudiswa nemukwereti (mukweretesi) kana chikwereti chabhadharwa zvizere.

Service charge

Mari inoongororwa nedhipoziti-inotora institution yekugadzirisa mabatiro uye kuchengetedza maakaundi.

siginecha kadhi

Kadhi rakasainwa nemunhu wese anoisa mari uye mutengi webhangi rinogona kushandiswa senzira yekuzivikanwa. Siginecha kadhi inomiririra chibvumirano pakati pebhangi uye depositor.

Chikwereti chemudzidzi

Zvikwereti zvakaitwa, zveshuwarenzi kana kuvimbiswa pasi pechirongwa chero chakatenderwa neMutemo Wedzidzo Yepamusoro. Mari yechikwereti inoshandiswa neanokwereta nekuda kwezvinangwa zvekudzidzisa.

Replacement control

Cheki yekutsiva ikopi yakaoma yekumberi nekuseri kwecheki yekutanga. Cheki yekutsiva yakakura zvishoma pane yakajairwa cheki yega yega kuitira kuti igone kubata mufananidzo wecheki yako yekutanga.

Izvo zviri pamutemo zvakafanana necheki yepakutanga kana ichinyatsomiririra ruzivo rwecheki yepakutanga uye inosanganisira chirevo chinotevera. Cheki yekutsiva inofanirawo kunge yakagadziriswa nebhanga.

Termes

Nguva uye mubereko wakabvumiranwa pakati pemukweretesi nemukwereti kuti abhadhare chikwereti.

Nguva Chitupa cheDhipositi

Izwi redhipoziti rinoitwa nechinhu chinogoneka kana chisinga taurike chinotsanangura huwandu uye kukura.

A term deposit

Temu dhipoziti (inozivikanwawo sekuti dhipoziti yenguva) idhipoziti yemari mubhangi isingakwanise kutorwa kune imwe "temu" kana nguva yenguva.

Kana basa racho rapera, rinogona kubviswa kana kuchengetedzwa kune rimwe basa. Kurebesa kwenguva, zviri nani kudzoka pamari. Sezvo mutemo, kubvisa kwekutanga kunotakura zvirango zvakakura.

Vimba account

General term inovhara marudzi ese emaakaundi mufiduciary sevhisi, senge estates, guardianships and agency.

trust administrator

Munhu kana sangano rinotarisira trust accounts.

Pfeka

Kuchaja mubereko wakakwira zvisiri pamutemo pachikwereti.

Kupfeka rate

Iyo yakanyanya mubereko yevakweretesi inogona kubhadharisa vanokwereta. Chiyero chekupfeka chinowanzoiswa nemutemo wenyika.

Floating rate

Chero mubereko kana dividend inoshanduka nguva nenguva.

Tisiye mhinduro