Konke malunga neetshekhi ze-NSF

Iitshekhi yindlela yokuhlawula esetyenziswa kancinci nangaphantsi, kodwa isasebenza. Iitshekhi ngamaxwebhu abizwa ngokuba zizibambiso ezikhusela isixa esithile semali. Zingaba iitshekhi zebhanki, iitshekhi zomntu, iitshekhi eziqinisekisiweyo, njl. Kukho ukuziphatha okuhlwaywayo xa amaxwebhu athethiweyo atsalwa ngaphandle kweemali, zombini phantsi komthetho wezorhwebo kunye nolwaphulo-mthetho, kunye nezohlwayo ezinokubandakanya izigwebo zentolongo. Kweli nqaku, ndiyakuxelela konke malunga itshekhi embi.

Kodwa ngaphambi kokuba siqale, funda ngakumbi malunga nejagoni yebhanki.

🌾 Yintoni itshekhi yeNSF?

Ngokubhalela umntu itshekhi, umnika ilungelo lokutsala imali kwiakhawunti yakho yebhanki ngaphandle kokufuna ukuba ubekho. Ukuba ngexesha elifanayo awunayo imali kwi-akhawunti yakho ukulungelelanisa imali ebhaliweyo kuxwebhu, ngoko kuyitsheki elibi. Ke ngoko, itshekhi ebhampisiweyo liqhekeza lephepha elingenaxabiso. Itshekhi inokugqabhuka ngenxa yezizathu ezahlukeneyo.

Okanye ngokungaqondanga : umnini-akhawunti ubhale itshekhi engalunganga, mhlawumbi ngaphambi kokufumana intlawulo okanye engazi ukuba i-akhawunti ayinakugubungela isixa esipheleleyo. Kukho iimeko ezininzi apho unokukholelwa ngokufanelekileyo ukuba unayo imali:

• Intlawulo obuyilindele (njengediphozithi ngqo evela emsebenzini wakho) ayifikanga kwiakhawunti yakho.
• Idiphozithi okanye intlawulo ayikakhululwa kwiakhawunti yakho.
• Ukuthenga ngekhadi lakho ledebhithi kubangele ukubamba i-akhawunti yakho (mhlawumbi ngaphezu kokuba uchithe okunene).
• Umntu ufake itshekhi oyibhale kudala walibala ngayo.

Okanye ngokuzithandela : Ngamanye amaxesha iba ngabom. Uyazi ukuba awunamali, kodwa ubhala itshekhi nangona kunjalo (oluluvo olubi).

🌾 Kuthekani ukuba sijongene netshekhi ye-NSF?

Iitshekhi ezibhampayo zingakuxabisa imali ongenayo. Ngokuqhelekileyo uhlawula umrhumo kumntu obhale itshekhi kuye (ngokuqhelekileyo malunga ne-$ 25). Oku kuziphatha kunokubangela ukuba inkampani okanye umbutho wale ukwamkela iitshekhi zakho kwixesha elizayo.

Ibhanki yakho ikwahlawulisa iitshekhi ezibhampayo. Babuyisela itshekhi kwinkampani engahlawulwanga kwaye bakuhlawulise umrhumo wokutshekisha. Ikwabizwa ngokuba yimali engonelanga, lo mrhumo uhlala ujikeleze i-35 yeedola. Ndikucebisa ukuba ufunde eli nqaku ukuqonda ngcono iintlawulo ezingonelanga zeemali.

Ibhanki yakho inokuthatha isigqibo sokuhlawula itshekhi njenge "courtesy" kwaye ihlawulise umrhumo we-overdraft (kwakhona, rhoqo malunga ne-$ 35, okanye banokubiza ukuba yimali-mboleko kwaye bakuhlawulise inzala). Funda ngakumbi malunga nendlela esebenza ngayo izicwangciso zokukhusela i-overdraft. Ukuba uyabala, yintlawulo emibini ubuncinane oyihlawulayo. Kukho nethuba elihle lokuba intlawulo yakho iya kuqwalaselwa " Mva ”, ngoko ke unokujongana nezohlwayo zentlawulo emva kwexesha. Nanga amacebiso am okujongana neetshekhi ezibhampisiweyo

📍 Ingcebiso yokuthintela

Xa kusenzeka ngokungalindelekanga, umsebenzi ongathandekiyo unokuphetshwa kwiimeko ezininzi. Xa sifumana itshekhi, kulungele ukubuza umntu osikhiphileyo xa sinokuyikhupha (ukusuka koluphi usuku kunye nowuphi umda). Ngale ndlela uya kulungelelanisa imisebenzi yakho yebhanki kwaye ufumane imali yakho ngexesha elifanelekileyo.

Oku kungasentla kulungele lowo uhlawula itshekhi kunye nalowo uyikhuphayo. Eyokuqala inqanda inkathazo yokuya ebhankini ngaphandle kwempumelelo kwaye okwesibini iphephe isohlwayo semali (ikhomishini) ukuba ibhanki yakhe iya kuhlawulisa ngenxa yentengiselwano engaphumelelanga. Kubalulekile ukukhumbula ukuba kukho imirhumo kwiitshekhi ezibhampisiweyo.. Ndwendwela ibhanki yakho ukuze ufumane okungakumbi malunga nezi ntlawulo. Kwimeko yentengiselwano enkulu yezemali, unokucela ukuba ihlawulwe kuwe ngetshekhi yebhanki eqinisekisiweyo. Jonga esi sikhokelo ukuze ufunde ngakumbi malunga nendlela iitshekhi eziqinisekisiweyo zisebenza ngayo.

📍 Iingcebiso zokunyanga

Xa sele unamava angathandekiyo okuya ebhankini uyokukhupha itshekhi ngaphandle kwempumelelo ngenxa yokungonelanga kwemali, kuyacetyiswa ukuba:

Okokuqala qhagamshelana nomntu okunike itshekhi ukuze akuchazele imeko uze ucele izicombululo. Usenokumcela ukuba akubhalele enye itshekhi, enze idipozithi, atshintshele imali okanye akunike imali ezinkozo ngokukhawuleza. Ungabathathela amanyathelo asemthethweni aba bantu xa besala ukukuhlawula. Ukuba ucinga ngokuthatha amanyathelo omthetho ngakumntu ngenxa yesi sizathu, kuyacetyiswa ukuba uqale uqhagamshelane ne-arhente ekhethekileyo ukuze ufumane uncedo kunye neengcebiso ezithile.

Inqaku eliza kufundwa: Yenza imali ngebhlog yakho ngezithuba ezixhasiweyo

Ulwazi oluninzi lunikezelwa kwimeko nganye kwaye baneengcali zokunceda ukusombulula umba. Ukuba ityala liphumelele, umkhohlisi kufuneka akuhlawule kungekuphela nje isixa setyala kodwa kunye nesongezelelo. Le ntsalela ifana nomonakalo kunye neendleko zomthetho.

🌾 UHlolo lwe-NSF lukuchaphazela njani ukuthembeka kwakho?

Itshekhi ebounced ayiveli kwiingxelo zakho zetyala lemveli. Nangona kunjalo, iinkampani ziyakuthanda Inkqubo yeChexs inokugcina umkhondo wemisebenzi yakho yebhanki. Ukuba awunayo imbali yetyala eyomeleleyo (kuba awukayakhi ikhredithi yakho okwangoku), ababolekisi, abaqeshi, kunye ne-inshurensi banokubhenela kwiiarhente zokukala ngetyala. ezinye iindlela »ukwenza isigqibo sokuba lenze ishishini nawe na. Ezi arhente zinokubandakanya ulwazi malunga neetshekhi ezimbi, eziya kulimaza amathuba akho.

Ukongeza, inkampani oyikhuphayo iitshekhi ezibhampisiweyo inokuthumela iakhawunti yakho kwindawo yokuqokelela. Ukuba le arhente ibika umsebenzi kwiiofisi ezinkulu zetyala, amanqaku akho esiqhelo aya kubandezeleka. Ngaphambi kokuba uhambe, nalu uqeqesho olukuvumela ukuba wenze njalo master yorhwebo ngeyure nje 1.

FAQ

Yintoni itshekhi ebhampisiweyo?

Itshekhi engalunganga (okanye itshekhi ebhampisayo) yitsheki ekhutshwa yidrowa (lowo ubhala itshekhi) xa engenamali yaneleyo kwiakhawunti yakhe yebhanki yokuyigubungela. Xa umxhamli efaka isheke kwibhanki yakhe, lo mva uphawula ukungabikho okanye ukungoneli kwemali kwaye unokwala intlawulo.

Zithini iziphumo zokutshekishwa kakubi?

Ukukhutshwa kwetshekhi embi lityala lolwaphulo-mthetho elinohlwaywa ngezohlwayo kunye nezigwebo zentolongo. Ukongeza, iinkqubo zoluntu zinokuziswa ngumxhamli ukufumana imbuyekezo yelahleko yabo.

Idrowa iya kubona igama lakhe lifakwe kwiFayile yeSizwe yeeTshekhi ezingaqhelekanga (FCC) iminyaka emi-5. Oku kuya kukuthintela ekukhupheni iitshekhi kuzo zonke iibhanki zaseFransi, ngaphandle kokuba zivumile ukwenza njalo.

Iintlawulo zebhanki zeetshekhi ezibhampisiweyo nazo ziyatsalwa yibhanki.

Yeyiphi imingcipheko yedrowa yetshekhi engalunganga?

• Intlawulo ukuya kuthi ga kwi-€375
• Ukuvalwa kokukhupha iitshekhi ukuya kutsho kwiminyaka emi-5
• Ukubhaliswa kweFCC iminyaka emi-5
• Isigwebo sokuvalelwa entolongweni ukuya kutsho kwiminyaka emi-5 kwimeko yokwaphula umthetho kwakhona
• Imbuyekezo yomonakalo ofunyenwe ngumxhamli
• Imali yokulahlwa kwebhanki

Zeziphi izohlwayo zomamkeli wetshekhi embi?

Umxhamli akenzi nasiphi na isohlwayo solwaphulo-mthetho ukuba ufaka ngentembeko itshekhi engalunganga ebengayazi malunga nesitenxo. Kwelinye icala, ukuba wayenesandla kumbandela wobuqhophololo, uchanabeka kwizohlwayo zolwaphulo-mthetho ezifanayo nedrowa.

Ungayilungisa njani imeko yakho emva kokuba ukhuphe itshekhi embi?

Iinketho ezininzi zokumisela:

• Nika umntu ohlawulwayo ngemali yetshekhi
• Yenza utshintshelo kumxhamli
• Cela umhla wokugqibela wentlawulo kumxhamli
• Cela ileta yokulahlwa kwenkqubo kumxhamli
• Faka uxwebhu lwezikhalazo kumtshutshisi ukuze ucele ukuba kucinywe ukuvalwa kweebhanki

Kuzo zonke iimeko, idrowa iyacetyiswa ukuba iqhagamshelane nebhanki yakhe kunye nomxhamli ukufumana isisombululo soxolo sokusombulula ingxabano.