Ijagoni yebhanki: zonke iikhonsepthi eziphambili

Ngokuchasene nantoni finance de Demain isetyenziselwa ukwazi ukuba ungakunika njani iingcebiso zokukunceda wonyuse ishishini lakho, eli lilinye inqaku likunika ijagoni yebhanki. Ezi ngcinga zingundoqo zebhanki eneneni yimigaqo oya kuyiva kakhulu xa undwendwela ibhanki. Injongo yesi sikhokelo kukukunceda ukuba uqonde ngcono ijagoni yebhanki.

Makhe siye

IsiVumelwano seAkhawunti

Sisivumelwano esilawula iakhawunti yakho yetyala evulelekileyo. Inika ulwazi malunga notshintsho olunokuthi lwenzeke kwi-akhawunti.

Imbali yeakhawunti

Le yimbali yentlawulo ye-akhawunti kwithuba lexesha, kubandakanywa nenani lamaxesha i-akhawunti idlulileyo okanye ngaphezulu komda.

Umnikazi we-akhawunti

Eli binzana libhekisa kuye nawuphi na umntu ogunyazisiweyo ukuba enze intengiselwano egameni leakhawunti. Isiginitsha yomnini-akhawunti ngamnye kufuneka ibhaliswe ebhankini. Utyikityo lugunyazisa loo mntu ukuba enze ishishini egameni le-akhawunti.

Jonga imibuzo enxulumeneyo Umnini-akhawunti odityanisiweyo we-akhawunti yokungena kwi-Overdraft, i-akhawunti edibeneyo Ukuqinisekiswa kwemvume kunye noxanduva lwe-akhawunti edibeneyo.

Ukunyuka komdla

Le yinzala efunyenweyo kodwa engekahlawulwa.

Iimali zokubolekwa kwezindlu eziguquguqukayo

Ezi mboleko ezinikezelwa yibhanki ekufumaneni indawo yokuhlala. Inzala yokuqala idla ngokuba ngaphantsi kunemali mboleko yesiqhelo emiselweyo. Lo mlinganiselo unokutshintsha ubomi bemali-mboleko ngokuxhomekeke kwiimeko zemarike.

Ngokuqhelekileyo kukho ubuninzi (okanye isilingi) kunye nobuncinci (okanye umgangatho) ochazwe kwisivumelwano semali-mboleko. Ukuba inzala iyanda, intlawulo yemali-mboleko nayo iyanda. Ukuba izinga lenzala liyehla, intlawulo yemali-mboleko inokuphinda ihlawulwe. Jonga esi sikhokelo ukuze ufunde ngakumbi malunga Iimali zokubambisa.

Isenzo esibi

Kukwala komntu otyalwayo ukunika ityala phantsi kwemiqathango eceliweyo, ukupheliswa kwe-akhawunti ekhoyo okanye ukuguqulwa ngendlela engafanelekanga kwe-akhawunti ekhoyo.

Isaziso sesenzo esibi

Isaziso esifunwa ngumthetho iEqual Credit Opportunity Act sichazela umenzi wesicelo setyala okanye umntu onetyala osele ekhona ngokukhatywa kwesicelo sakhe setyala okanye ukucebisa ngotshintsho kwiimeko ezibonakala zingathandeki kumnini-akhawunti.

Utshintsho

Lulo naluphi na utshintsho olubandakanya ukucima okanye ukubhala ngokutsha umhla, imali okanye umntu ohlawulwa itshekhi okanye esinye isixhobo ekunokuxoxisana ngaso.

Ukuhlawulwa kwamatyala

Yinkqubo yokunciphisa amatyala ngezavenge rhoqo zenqununu kunye nenzala eya kukhokelela ekuhlawulweni kwemali-mboleko xa kufanelekile.

Umlinganiselo wepesenti wonyaka

Ziindleko zetyala qho ngonyaka, ezichazwa njengepesenti.

Imbuyekezo yepesenti yonyaka

Umyinge wepesenti obonisa isixa sisonke senzala ehlawulweyo kwi-akhawunti yediphozithi esekelwe kumlinganiselo wenzala kunye nokuphindaphindwa kwamaxesha onyaka weentsuku ezingama-365.

Uvavanyo

Isenzo sokuvavanya kunye nokulungisa ixabiso lepropati ethile okanye i-real estate.

Ugunyaziso

Ukukhutshwa kogunyaziso ngumniki we ikhadi letyala, umrhwebi okanye enye indibaniselwano, ukugqiba ukuthengiselana ngekhadi letyala.

I-Automated Clearing House (ACH)

Isibonelelo sekhompyutha esisetyenziswa ngamaziko agcina amalungu ukudibanisa nge-elektroniki, ukuhlela nokusasaza amatyala e-interbank kunye nee-debits.

Ii-ACHs ziqhuba ukuhanjiswa kwe-elektroniki kwizibambiso zikarhulumente kwaye zibonelela ngeenkonzo zabathengi, ezifana nediphozithi ngqo yomvuzo wabathengi kunye neentlawulo zezibonelelo zikarhulumente (oko kukuthi uKhuseleko lweNtlalo, iNtlalontle, kunye namalungelo amagqala) kunye nokudluliselwa okugunyazisiweyo kwangaphambili. Jonga imibuzo enxulumeneyo kwiitransekshini zombane.

Umatshini wokukhupha imali (ATM)

Ingumatshini, owenziwe ngekhadi elifakwe kwi-magnetic encoded okanye enye i-medium, enokuthi iqhube iintlobo zentengiselwano zebhanki. Oku kubandakanya ukwamkela iidiphozithi kunye neentlawulo mboleko, ukwenza ukurhoxiswa, kunye nokudlulisa imali phakathi kweeakhawunti.

Intlawulo yebhili ezenzekelayo

Inkqubo engalawulwayo yokuhlawula amatyala aphindaphindiweyo kunye nengxelo yogunyaziso olulodwa kwiziko lezemali. Ngokomzekelo, umthengi uya kufuna kuphela ukubonelela ngefomu yogunyaziso/ileta/uxwebhu lokuhlawula ityala lentambo ngenyanga nganye. Iintlawulo eziyimfuneko kunye neekhredithi zenziwa nge-automated clearing house (ACH).

umhla wokufumaneka

Umgaqo-nkqubo webhanki malunga nokuba imali efakwe kwi-akhawunti iya kufumaneka ukuze itsalwe.

Ibhalansi iyafumaneka

Ibhalansi ye-akhawunti ngaphantsi kwayo nayiphi na into, imali engaqokelelwanga, kunye nezithintelo kwi-akhawunti.

Ityala liyafumaneka

Ngumahluko phakathi komlinganiselo wetyala owabelwe iakhawunti yomnini wekhadi kunye nebhalansi ye-akhawunti yangoku.

Ukudluliselwa kwebhalansi

Inkqubo yokudlulisela ibhalansi engekahlawulwa ukusuka kwelinye ikhadi ukuya kwelinye. Oku kuqhele ukwenziwa ukuze ufumane inzala esezantsi kwimali eseleyo. Udluliselo ngamanye amaxesha luxhomekeke kumrhumo wokudluliselwa kwebhalansi.

ibhanki yokugcina

Umgcini webhanki unoxanduva lokugcina ukhuseleko lwempahla yomthengi egcinwe kwenye yezakhiwo zomgcini, indawo yomgcini ongaphantsi okanye umgcini wangaphandle.

Uphononongo lwebhanki

Uphononongo lwee-asethi zebhanki, umvuzo kunye neendleko. Lo msebenzi ujolise ekuqinisekiseni ukuba ibhanki i-solvent kwaye isebenza ngokuhambelana nemithetho yebhanki kunye nemigaqo yebhanki efanelekileyo.

isiteyithimenti sebhanki

Ngamaxesha athile, ibhanki ibonelela ngengxelo ye-akhawunti yediphozithi yomthengi. Le ngxelo ibonisa zonke iidiphozithi ezenziweyo, zonke iitshekhi ezihlawulweyo kunye nezinye iidebhithi ezirekhodiweyo ngeli xesha, kunye nebhalansi yangoku.

usuku lwebhanki

Lusuku lweshishini apho i-ofisi yebhanki ivuleleke kuluntu phantse yonke imisebenzi yayo yebhanki.

Ukutshona

Umntu ongenamali, ishishini, okanye iqumrhu alinampahla yaneleyo yokuhlawula amatyala alo. Umboleki ufuna ukukhululeka ngokusebenzisa iinkqubo zomthetho ukuseka ishedyuli yokuhlawula okanye ukucima amatyala.

Kwezinye iimeko, umntu otyalwayo kufuneka anikezele ulawulo lwazo zonke ii-asethi kumphathiswa onyulwe yinkundla.

Ukutshona

Inkqubo yomthetho apho imicimbi yomntu obhangayo yabelwa itrasti okanye umamkeli wolawulo phantsi kwemithetho yokubhanga. Kukho iindidi ezimbini zokubhanga:

• Ukutshona ngokuzenzekelayo - omnye okanye abaninzi abatyalwayo bomntu otshonayo otyalwayo bafake isicelo sokuba lowo utyalwayo abhengezwe njengongenamali.
• Ukutshona ngokuzithandela - umboleki ufaka isicelo esithi akakwazi ukuzalisekisa izibophelelo zakhe zemali kunye nomnqweno wakhe wokubhengezwa njengebhanki.

Umxhamli

Umntu onelungelo lokufumana izibonelelo okanye ingeniso yomyolelo, itrasti, ipolisi ye-inshorensi, isicwangciso somhlalaphantsi, imali yonyaka okanye enye ikhontrakthi.

Umjikelo wokuhlawula

Ikhefu lexesha phakathi kwemihla yokukhutshwa kweengxelo zamaxesha rhoqo.

Umhla wokubhila

Inyanga, umhla kunye nonyaka wokuveliswa kwengxelo yexesha okanye yenyanga. Kubalwe intlawulo efanelekileyo yemali, ubuncinane bentlawulo efunekayo kunye nebhalansi entsha.

Impazamo yokuhlawula

Yintlawulo ebonakala kwisiteyitimenti samaxesha athile esinxulunyaniswa nokwandiswa kwetyala (umzekelo, ikhadi letyala) elingagunyaziswanga ngumnini wekhadi okanye iarhente yakhe, engachongwanga ngokufanelekileyo, kwaye eyamkelwa ngumnini wekhadi okanye iarhente yakhe. .

Impazamo yokuhlawula kwakhona inokubangelwa kukungaphumeleli kombolekisi ekufakeni ikhredithi intlawulo okanye enye ikhredithi kwi-akhawunti kunye neempazamo ze-accounting kunye nezokubhala.

Usuku lomsebenzi

Nayiphi na imini xa ii-ofisi zebhanki zivulekele uluntu ukuba luqhube ngokubonakalayo yonke imicimbi yebhanki.

Itsheki irhoxisiwe

Yitsheki ehlawulwe yibhanki, itsale kwiakhawunti yomnini-akhawunti, yandule ke igqitywe. Xa ivaliwe, itshekhi ayisayi kuthethathethwana.

Itshekhi yebhanki

Yitshekhi etsalwa kwiimali zebhanki, hayi imali ekwiakhawunti yomgcini-mali. Noko ke, lowo ufaka imali wayihlawula isheke yomgcini-mali ngemali esuka kwiakhawunti yakhe. Olona ncedo luphambili lwetshekhi ye-cashier kukuba umntu ohlawula itshekhi uyaqinisekiswa ukuba imali ikhona.

Qhagamshelana ne umahluko phakathi kweetshekhi zebhanki, iitshekhi zobuqu kunye neetshekhi eziqinisekisiweyo

Ileta yokuyeka kwaye uyeke

Ileta ecela ukuba inkampani iwuyeke umsebenzi okhankanywe kwileta.

Isiqinisekiso sediphozithi

Isixhobo esibonisana ngaso esikhutshwe yibhanki ngokutshintshiselana ngemali, edla ngokuba nenzala, ediphozithwa ebhankini. Jonga esi sikhokelo ukuze ufunde konke malunga izatifikethi zediphozithi.

Isatifiketi sokukhulula

Isatifikethi esisayinwe ngumbolekisi esichaza ukuba imali-mboleko ihlawulwe ngokupheleleyo kwaye onke amatyala agqityiwe. Ikwaziwa njengokukhululwa kwe-lien.

Itshekhi eqinisekisiweyo

Itshekhi yobuqu etsalwa ngumntu oqinisekisiweyo (oqinisekisiweyo) ukuba ulungile. Umphambili wetshekhi unamagama athi "certified" okanye "accepted" kwaye usayinwa ligosa lebhanki okanye leliziko lokonga imali elikhupha itshekhi. Utyikityo luthetha ukuba utyikityo lwedrowa luyinyani, kwaye imali eyaneleyo ifakiwe kwaye igcinelwe intlawulo yetshekhi.

Jonga

Umyalelo obhaliweyo oyalela iziko lezemali ukuba lihlawule ngokukhawuleza isixa-mali esichaziweyo kwi-akhawunti yombhali wetshekhi kumntu okhankanywe kwitshekhi okanye, ukuba umntu othile akachazwanga ngegama, kumntu ophethe itshekhi leyo eyizisa kwiziko elo ukuze ahlawulwe.

Jonga ukunqunyulwa

Ukuguqulwa kwedatha yetshekhi kumfanekiso we-elektroniki emva kokuba itshekhi ifakwe kwinkqubo yokucubungula. Ukunqunyulwa kwetshekhi kuphelisa isidingo sokubuyisela iitshekhi ezicinyiweyo kubathengi.

I-akhawunti yangoku

Yi-akhawunti yediphozithi yemfuno exhomekeke ekutsalweni kwemali ngetshekhi. Jonga esi sikhokelo Iakhawunti Yangoku yeBhanki – Intsingiselo, izinto eziluncedo nezingeloncedo

Inkqubo yeChexs

Uthungelwano lwe-ChexSystems, Inc. lubandakanya amaziko emali angamalungu ahlala ebonelela ngolwazi malunga nee-akhawunti zokutshekisha ezingalawulwayo kunye nee-akhawunti zokulondoloza kwindawo enye. I-ChexSystems yabelana ngolu lwazi phakathi kwamaziko amalungu ukubanceda ukuba bahlole umngcipheko wokuvula ii-akhawunti ezintsha. Luhlobo lweziko lomngcipheko.

I-ChexSystems yabelana ngolwazi kuphela namaziko angamalungu; ayithethi ngokuvulwa kweeakhawunti ezintsha. Ngokubanzi, ulwazi luhlala kwi-ChexSystems iminyaka emihlanu.

Imali-mboleko yexesha elingenammiselo

Njengomthetho jikelele, nayiphi na imali-mboleko apho isixa-mali esigqithiselweyo, kunye neentlawulo zemali, kulindeleke ukuba ihlawulwe ngokupheleleyo ngomhla ochaziweyo. Uninzi lwemali mboleko yezindlu kunye ezimotweni zizivumelwano ezisisigxina.

Ukuvalwa kwemboleko yendlu

Ukugqitywa kwentengiselwano ye-real estate yekhontrakthi apho onke amaxwebhu afanelekileyo asayinwe kwaye imali yokubolekwa kwemali ikhutshwe ngumbolekisi.

Iindleko zokuvala

Iindleko ezenziwe ngabathengisi kunye nabathengi ukudlulisela ubunini bezindlu ezithengiswayo. Iindleko zokuvala zingabandakanya imirhumo yemvelaphi, amanqaku esaphulelo, iimali zamagqwetha, iimali-mboleko, ukukhangela isihloko kunye ne-inshurensi, imali yophando, imali yokubhalisa kunye nengxelo yekhredithi.

Ukubambisana

Ii-asethi ezinikezelwa ukukhusela imali-mboleko okanye enye ikhredithi. Umzekelo, ukuba ufumana i-mortgage yendlu, isibambiso sebhanki ngokuqhelekileyo yindlu yakho. Isibambiso siye sithinjwa kwimeko yokusilela.

I-arhente yokubuyisela

Inkampani esebenzisana nombolekisi ukuba aqokelele amatyala amtyalayo. Ababolekisi badla ngokuqesha i-arhente yokuqokelela kuphela emva kokuba benze iinzame zokuziqokelela ngokwabo ityala.

Iingxowa-mali zotyalo-mali ezidityanelweyo

I-Mutual Fund yitrasti eyenziwe kwaye ilawulwa yibhanki okanye inkampani yetrasti edibanisa ii-asethi zabathengi abaninzi.

Umsayini-mnye

Umntu wendalo otyikitya inqaku lomnye umntu ukuxhasa ikhredithi yomntu osayinileyo kwaye uba noxanduva lwesibophelelo.

Isicelo setyala

Ifomu ekufuneka igcwaliswe ngumfaki-sicelo kwi-akhawunti yetyala, inika iinkcukacha ezaneleyo (indawo yokuhlala, ingqesho, umvuzo kunye namatyala asele ekhona) ukuze umthengisi akwazi ukukumisela ukufaneleka komfaki-sicelo. Ngamanye amaxesha intlawulo yesicelo ihlawuliswa ukuhlawulela iindleko zokuyiboleka imali.

Umniki wekhadi letyala

Naliphi na iziko lemali elikhupha amakhadi ebhanki kwabo bawacelayo.

I-inshurensi yetyala lokukhubazeka

Luhlobo lwe-inshorensi eyenza intlawulo yemali-mboleko ukuba uyagula okanye wonzakele kwaye awukwazi ukusebenza. Ikwabizwa ngokuba yi-inshurensi yengozi kunye ne-inshurensi yezempilo.

I-inshurensi yobomi betyala

Uhlobo lwe-inshurensi yobomi enceda ekuhlawuleni imali-mboleko ukuba uyafa ngaphambi kokuba imali-mboleko ihlawulwe ngokupheleleyo. Olu lukhuselo lokuzikhethela.

Umda wetyala

Elona nani liphezulu letyala elifumanekayo kwikhadi letyala okanye komnye umgca wetyala.

Ingxelo yetyala

Yingxelo eneenkcukacha zembali yomntu ngamnye yekhredithi elungiswe liziko eligcina inkcazelo ngeentengo zemboleko kwaye isetyenziswa ngumbolekisi ukumisela ukufaneleka kwetyala lomfaki-sicelo wemboleko.

I-arhente yokunika ingxelo ngetyala

I-arhente eqokelela ulwazi lwekhredithi lomntu ngamnye kwaye ithengise ngentlawulo kubabolekisi ukuze benze isigqibo malunga nokunika imali-mboleko. Abathengi abaqhelekileyo babandakanya iibhanki, ababolekisi bezindlu, iinkampani zekhadi letyala kunye nezinye iinkampani zemali.

Ixesha elilinganiselweyo

Ixesha losuku elisekwe yibhanki ukufumana idiphozithi. Emva kwexesha elisikiweyo, iidiphozithi ziqwalaselwa ukuba zifunyenwe ngosuku olulandelayo lweshishini.

Ityala

Idebhithi isenokuba lingeniso ye-akhawunti emele imali oyibambayo kumbolekisi okanye imali ethatyathwe kwi-akhawunti yakho yedipozithi.

Ikhadi ekufakwa imali

Ikhadi lebhanki ivumela umnini-akhawunti ukuba afikelele kwiimali zakhe ngekhompyutha. Amakhadi edebhithi anokusetyenziswa ukufumana imali kwii-ATM okanye ukuthenga iimpahla okanye iinkonzo kusetyenziswa iinkqubo zokuthengisa. Ukusetyenziswa kwekhadi ledebhithi kubandakanya ukutsalwa kwemali ngoko nangoko kunye nokufakwa kwetyala kwii-akhawunti zabathengi.

Unetyala

Umntu otyala elinye iqela imali.

Umlinganiselo wetyala kwingeniso (DTI)

Ipesenti yengeniso yenyanga yonke yomboleki esetyenziselwa ukuhlawula amatyala. Ngokubanzi, okukhona umlinganiselo ophezulu, kokukhona uphezulu umngcipheko obonwayo. Iimali-mboleko ezinobungozi obuphezulu zidla ngokuxatyiswa ngenzala ephezulu.

Intlawulo erhoxisiweyo

Yintlawulo emiselwe kumhla olandelayo.

Ukungeniswa kwesicelo

Idiphozithi yeemali ezinokurhoxiswa ngaphandle kwesaziso.

Isiliphu sediphozithi

Imemorandam eneenkcukacha eziinkozo kunye nezinye iimali ezithi umthengi azingenise ebhankini ukuze afake ikhredithi kwiakhawunti yakhe.

Ulwazi olunyelisayo

Idatha efunyenwe ngumbolekisi ebonisa ukuba umfaki-sicelo wekhredithi akazange ahlawule ii-akhawunti kunye nabanye ababolekisi njengoko kufuneka.

Idiphozithi ngqo

Intlawulo ifakwe ngekhompyutha kwi-akhawunti yomntu kwiziko elithatha idipozithi.

Ingxabano ngqo

Ingxabano engeniswe ngqo kumnikezeli malunga nokuchaneka kolwazi oluqulethwe kwingxelo yakho yabathengi malunga ne-akhawunti okanye obunye ubudlelwane onabo nomnikezeli.

Uyilo olubi

Umyalelo obhaliweyo nosayiniweyo apho elinye iqela (idrowa) liyalele elinye iqela (umdwebi) ukuba ahlawule isixa esichaziweyo kumntu wesithathu (ohlawulwayo), ngokubona okanye ngomhla ochaziweyo. Iidrafti zebhanki eziqhelekileyo zizixhobo ezinokuxoxisana kwaye ziyafana ngeendlela ezininzi zokutshekisha.

Izotyiwe

Umntu (okanye ibhanki) ekufanele ukuba ahlawule itshekhi okanye idrafti xa inikezelwe intlawulo.

Ibhanki kaDrawee

Ibhanki ekuzotywa kuyo itshekhi.

Inkqubo yebhanki ye-elektroniki

Inkonzo evumela umnini-akhawunti ukuba afumane iinkcukacha ze-akhawunti kwaye alawule iintengiselwano ezithile zebhanki esebenzisa ikhompyutha yakhe ngewebhusayithi yeziko lezemali kwi-Intanethi. Oku kwaziwa ngokuba kwi-intanethi yebhanki.

Ukuguqulwa kweetshekhi zombane

Ukuguqulwa kwetshekhi ye-elektroniki yinkqubo apho itshekhi yakho isetyenziswa njengomthombo wolwazi wenombolo yetshekhi, inombolo ye-akhawunti yakho, kunye nenombolo echaza iziko lakho lemali.

Ulwazi ke lusetyenziselwa ukwenza intlawulo ye-elektroniki yexesha elinye kwi-akhawunti yakho - ukudluliselwa kwemali nge-elektroniki. Itshekhi ngokwayo asiyondlela yokuhlawula.

UThutho lweNgxowa-mali yoMbane (EFT)

Ukudluliselwa kwemali phakathi kweeakhawunti ngeesistim zabathengi be-elektroniki - njengee-ATM kunye nentlawulo yebhili ye-elektroniki - endaweni yetshekhi okanye ngemali. Udluliselo lwe-elektroniki, iitshekhi, iidrafti kunye nezixhobo zephepha aziweli kolu didi.

Ubuqhophololo

Kumazwe amaninzi, ubuqhophololo buchazwa njengokubiwa/ukubiwa kwempahla (imali okanye ipropathi) ngumntu okwisikhundla sokuthenjwa okanye uxanduva kwezo asethi. Ukukhwabanisa ngokuqhelekileyo kwenzeka kwimeko yengqesho kunye neshishini.

Ukufakwa kweekhowudi

Inkqubo esetyenziselwa ukuprinta okanye ukufakwa koonobumba bemagnethi kwiitshekhi, iidiphozithi kunye nezinye izixhobo zemali.

Ukulungiswa kwempazamo

Inkqubo efunekayo ukusombulula iimpazamo ezibandakanya ukudluliselwa kwe-elektroniki ukuya nokubuya kwii-akhawunti zedipozithi.

I-escrow

Isixhobo sezemali esiphethwe liqela lesithathu egameni lamanye amaqela amabini kwintengiselwano. Iimali zigcinwe yiNkonzo ye-Escrow de ifumane imiyalelo efanelekileyo ebhaliweyo okanye yomlomo okanye de izibophelelo zizaliseke. Izibambiso, iimali kunye nezinye ii-asethi zinokufakwa kwi-escrow.

Uhlalutyo lwe-Escrow

Ukuphononongwa kwamaxesha athile kwiiakhawunti ze-escrow yinkampani yokubambisa ukuze kuqinisekiswe ukuba iidiphozithi zenyanga zanele ukuhlawula irhafu, i-inshurensi, kunye nezinye izinto ezinxulumene ne-escrow xa kufanelekile.

I-Escrow Fund

Iimali ezigcinwe yinkampani yokubambisa ukuze kuhlawulwe irhafu, i-inshorensi nezinye izinto ezinxulumene nokubambisa xa kufuneka.

Iakhawunti yezindlu

Iakhawunti esegameni lomntu oswelekileyo nelawulwa ngumabi okanye umlawuli welifa.

Itrasti

Ukuthatha isibhambathiso sokwenza njengomabi, umlawuli, umgcini, umgcini okanye umphathiswa wetrasti yosapho, itrasti egunyazisiweyo okanye i-testamentary trust, okanye umamkeli okanye itrasti yokutshona.

Intlawulo yemali

Ixabiso lilonke letyala umthengi kufuneka alihlawule kwimali-mboleko yomboleki, kuquka nenzala.

I-Arhente yoLawulo lwezeMali

Umbutho ogunyaziswe ngumthetho ukuba uqinisekise ukusebenza ngokukhuselekileyo nokulungileyo kumaziko emali anelayisensi.

Imali mboleko esisigxina

Izinga lenzala kwaye intlawulo ihlala ifana ngexesha lemali-mboleko. Umboleki wenza iintlawulo zenyanga ezilinganayo zenqununu kunye nenzala de ityala lihlawulwe ngokupheleleyo. Masifunde ngakumbi malunga mboleko.

Imali-mboleko yemali esisigxina

I-mortgage eneentlawulo ezihlala zifana ubomi bemboleko kuba izinga lenzala kunye neminye imimiselo imisiwe kwaye ayitshintshi.

Imirhumo yentengiselwano yangaphandle

Imirhumo ehlolwa yibhanki yakho ngokwenza intengiselwano kwi-ATM yenye ibhanki.

Itshekhi yomgunyathi

Yitshekhi apho isiginitsha yedrowa yenziwe ngenkohliso. Jonga imibuzo enxulumeneyo malunga nenkohliso.

Ubuxoki

Utyikityo lobuqhophololo okanye ukuguqulwa kwegama lomnye umntu kwisixhobo esinje ngetayitile, imali yokubambisa okanye itshekhi. Injongo yokwaphulwa komthetho kukuqhatha okanye ukuqhatha.

Iakhawunti imisiwe

Yi-akhawunti apho imali ayinakurhoxiswa de i-lien yaneliswe kwaye umyalelo wenkundla okanye enye inkqubo yomthetho yenza ukuba i-akhawunti ifumaneke ukurhoxiswa. Ngokomzekelo, iakhawunti yomntu oswelekileyo ivaliwe kulindelwe umyalelo wenkundla wokuba imali ihanjiswe kubanini abatsha.

I-akhawunti isenokuvalwa xa kukho imbambano malunga nobunini bokwenyani be-akhawunti. Ibhanki iya kumisa i-akhawunti ukugcina imali ekhoyo de kube amanyathelo asemthethweni anokumisela umnini ofanelekileyo.

Ukutshisa / ukuTopping

Inkqubo yomthetho evumela umntu otyalwayo ukuba atsale imali kwiakhawunti yakho yebhanki ukuze ahlawule ityala ongalihlawulanga. Ukuba utyala umntu okanye imali yeshishini, banokufumana umyalelo wenkundla wokuba ibhanki yakho itsale imali kwiakhawunti yakho ukuze ihlawule ityala lakho.

isiqinisekiso

Iqela elivumayo ukuba noxanduva lokuhlawula amatyala elinye iqela kwimeko yokusilela kwelo qela.

Ityala elilinganayo ekhaya

Umgca wetyala okhuselwe yi-equity kwikhaya lomboleki. Ingasetyenziselwa ukuphuculwa kwekhaya, ukuqinisa amatyala, kunye nokunye ukuthenga okukhulu. Inzala ehlawulweyo kwimali-mboleko idla ngokutsalwa irhafu. Iimali zifumaneka ngokubhala iitshekhi kuluhlu lwetyala okanye ngokufumana ikheshi kwangaphambili.

Imali-mboleko yoBulungisa baseKhaya

Imali mboleko ye-equity yekhaya ikuvumela ukuba ungene kwi-equity eqokelelweyo kwikhaya lakho. Ngumahluko phakathi kwemali indlu yakho enokuthengiswa ngayo kunye nesixa osasibambayo.

Abanini bezindlu bahlala besebenzisa imali mboleko yezindlu ukuze bahlaziye ikhaya labo, bahlawulele imoto entsha, okanye baxhase ngemfundo yekholeji yomntwana wabo. Inzala ehlawulweyo itsalwa irhafu.

Ekubeni imali-mboleko ikhuselwe ngokulingana kwikhaya lakho, ukuba awugqibekanga, ibhanki inokuvala ikhaya lakho kwaye ithathe ubunini bayo.

Olu hlobo lwemboleko ngamanye amaxesha lubizwa ngokuba i-mortgage yesibini okanye uboleke kwindlu yakho.

Iakhawunti engasebenzi

Le yingxelo enento encinci okanye engasebenziyo; akukho kudiphozithi okanye ukutsalwa kwemali kuye kwarekhodwa kwi-akhawunti ixesha elibalulekileyo.

Isatifiketi sediphozithi enesalathiso

I-CD ene-indexed iyimfuneko yediphozithi yebhanki ekhuphayo kwaye ihlala ithengiswe ngamasebe ebhanki kunye nabarhwebi. IiCD ezinesalathiso zinika umtyali-mali ithuba lokuthatha inxaxheba kuxabiso, ukuba lukhona, lwesalathiso esithile, ngexesha leCD.

IiCD ezinesalathiso zinokuba nezinto ezintsonkothileyo zentlawulo kwaye zisenokungafanelanga okanye zingalungeli bonke abatyali-mali. Abatyali-mali kufuneka baphonononge ngononophelo iingqwalasela zomngcipheko wotyalo-mali ezichazwe kumaxwebhu anikezelayo afanelekileyo kunye neengxelo zokubhengeza.

IiCD ezinezalathisi azizozibambiso kwaye azibhaliswanga phantsi kwemithetho yezokhuseleko.

Iakhawunti yomntu ngamnye

Iakhawunti egameni lomntu.

Iakhawunti yomntu ngamnye yomhlalaphantsi

Inkqubo yokonga imali yomhlalaphantsi yabantu ekunokuthi kutsalwe irhafu ngonyaka ukuya kutsho kumda othile. Imali ehlawulweyo ayirhafiswa de irhoxiswe. Ukurhoxa akuvumelekanga ngaphandle kwesohlwayo de umntu afikelele kwiminyaka emiselweyo. Nantsi indlela yokonga ngaphandle koxinzelelo lomhlalaphantsi wakho

Akukho mali ephelele

Xa ibhalansi ye-akhawunti yomgcini-mali ingonelanga ukuhlawula itshekhi enikezelwe intlawulo.

I-inshurensi (Ingozi)

I-inshurensi yokukhusela umnini kunye nombolekisi kumonakalo obonakalayo kwipropati evela kwimithombo efana nomlilo, umoya okanye ukonakalisa.

Iakhawunti edibeneyo

Iakhawunti egcinwe ngabantu ababini nangaphezulu. Naliphi na iqela linokwenza ngokwahlukeneyo okanye kunye ngokuhambelana nesivumelwano se-akhawunti yediphozithi.

Kite

Bhala itsheki yesixa-mali esiza kuchitha imali eninzi kwi-akhawunti kodwa ugqibezele isilela ngokufaka enye itsheki kwenye ibhanki. Ngokomzekelo, ukuthumela isheke kwi-mortgage xa ​​i-akhawunti yakho yokutshekisha ingenayo imali eyaneleyo yokugubungela isheke, kodwa ulindele ukufumana kunye nokubeka i-paycheck yakho ngaphambi kokuba inkampani yokuboleka imali ibonise isheke sokuhlawula.

Imirhumo kade

Intlawulo ehlawuliswa kade kwimali-mboleko yezavenge, idla ngokuchazwa njengepesenti yemali-mboleko okanye ibhalansi yentlawulo. Kwakhona, isohlwayo esiwiswe ngumniki-khadi kwi-akhawunti yomnini-khadi ngokusilela ukwenza intlawulo encinci.

Umbolekisi

Umntu okanye iziko lemali eliboleka imali ngethemba lokuba imali iya kuhlawulwa inzala.

Ilungelo

Inyathelo lomthetho ngokuchasene nepropati. Emva kokuba ipropati ithengisiwe, umnini-mboleko uya kuhlawulwa imali ayityalayo.

Umgca wetyala

Ugunyaziso lwemali-mboleko oluvunywe kwangaphambili kunye nomda othile wokuboleka ngokusekwe kukufaneleka kwetyala. Umgca wetyala uvumela ababoleki ukuba bafumane inani elithile lemali-mboleko ngaphandle kokufaka isicelo kwakhona ixesha ngalinye ukuba imali ebolekiweyo iyonke ayidluli kumda wetyala.

Isivumelwano semali-mboleko

Isivumelwano esibhaliweyo phakathi komboleki kunye nombolekisi apho imimiselo kunye neemeko zemboleko zibekwe khona.

Imirhumo yemboleko

Iintlawulo ezibizwa ngumbolekisi ukwenza imali-mboleko (ukongeza kwinzala ehlawuliswayo kumboleki).

Ulungiselelo lohlengahlengiso lwemali-mboleko

Isivumelwano sekhontrakthi kwimali-mboleko evumela umboleki okanye umbolekisi ukuba atshintshe ngokusisigxina enye okanye ngaphezulu kwemimiselo yesivumelwano sokuqala. Jonga umbuzo onxulumeneyo malunga noncedo lwemali-mboleko.

Imali-mboleko iyaqhubeleka

Isixa-mali esisaseleyo seemali ezithi iziko elibolekisayo liyikhuphe phantsi kwemali-mboleko kwaye emva koko libolekwe umboleki.

Ukuqola

Umhla apho ibhalansi eyintloko yemali mboleko, ibhondi okanye enye isixhobo semali ifuneka ngayo.

Ibhalansi encinci

Isixa semali ekufuneka sifakwe kwi-akhawunti ukuze afanelekele umgcini-mali kwiinkonzo ezizodwa okanye ukurhoxisa iifizi zenkonzo.

Ubuncinci bokuhlawulwa

Ubuncinci bemali ekufuneka ihlawulwe nyanga nganye kwimali-mboleko, umgca wetyala okanye elinye ityala.

Intlawulo engekho

Intlawulo eyenziweyo kodwa ingafakwanga kwiakhawunti echanekileyo.

Iakhawunti yediphozithi yeMarike

I-akhawunti yokonga enika inzala ephezulu kutshintshiselwano olukhulu kunedipozithi eqhelekileyo. Funda konke malunga akhawunti kwimarike yemali.

Iimali zentengiso yemali

I-open-end mutual fund etyala imali kwityala lexeshana elifutshane kunye nezixhobo zemali ezifana neebhili ze-treasury kwaye ihlawule inzala yemalike yemalike. Iimali zeemarike zemali zibonelela ngamalungelo okubhala itshekhi.

I-Mortgage

Isixhobo setyala esisetyenziswe kwintengiselwano ye-real estate apho ipropati isibambiso semali mboleko. I-mortgage inika umbolekisi ilungelo lokuthatha ipropati ukuba umboleki uyasilela kwimali-mboleko.

I-Mortgage

Imali-mboleko enikezelwa ngumbolekisi kumntu obolekayo ukuze axhase ngemali umhlaba nezindlu. Ukubolekwa kwezindlu: yintoni omawuyazi ngezi ndlela zokuxhasa ngemali?

Umbolekisi we-mortgage

Umbolekisi kubudlelwane bokubambisa.

Mortgagor

Umboleki kubudlelwane bokubambisa. Ipropati isetyenziswa njengesibambiso ukwenza intlawulo.

Ingxowa mali

Ingxowa-mali elawulwa yinkampani yotyalo-mali eqokelela imali kubanini-zabelo kwaye ityale kwii-stocks, iibhondi, iinketho, izinto zorhwebo okanye izibambiso zemarike yemali.

Ezi ngxowa-mali zibonelela abatyali-mali iingenelo zokwahluka kunye nolawulo lobungcali.

Khangela ngokusemthethweni

Itsheki ezotywe ebhankini yaze yasayinwa ligosa lebhanki eligunyazisiweyo. (Ikwabizwa ngokuba yitshekhi yemali.)

Iibhanki ze-Intanethi

Inkonzo evumela umnini-akhawunti ukuba afumane iinkcukacha ze-akhawunti kwaye alawule iintengiselwano ezithile zebhanki ngekhompyutha yakhe ngewebhusayithi yeziko lezemali kwi-Intanethi. Oku kwaziwa ngokuba yi-Intanethi okanye ibhanki ye-elektroniki.

Imali-mboleko engapheliyo

Isivumelwano setyala (elidla ngokuba likhadi letyala) elivumela umthengi ukuba aboleke ngetyala elivunywe kwangaphambili xa ethenga iimpahla neenkonzo. Umboleki uhlawuliswa kuphela imali ebolekiweyo kunye nenzala efunekayo. Ikwabizwa ngokuba yiakhawunti yeendleko okanye ikhredithi ejikelezayo.

Itshekhi ephelelwe lixesha

Itshekhi ekhutshwe ngumgcini-mali engekavezwa ukuba ihlawulwe okanye ihlawulwe yibhanki yomgcini.

I-Ovadrafti

Xa isixa-mali esitsalwe kwi-akhawunti yebhanki sikhulu kunemali ekhoyo ngokwenene kwi-akhawunti, i-excess ibizwa ngokuba yi-overdraft kwaye i-akhawunti kuthiwa i-overdrawd. Jonga wethu isikhokelo kwii-ovadrafti zebhanki.

Ukugqithisa

Bhala itshekhi yesixa-mali esikhulu kunemali efakwe kwi-akhawunti.

Umda ugqithisiwe

I-akhawunti yekhredithi evulekileyo apho umda wedola owabelwe ugqithwe khona.

Incwadana

Incwadi ekwimo yeleja ngokubanzi apho zonke iidipozithi, ukutsalwa kwemali kunye neengeniso ezivela kwi-akhawunti yokonga yomthengi zirekhodwa.

Into ephelelwe lixesha

Naliphi na inqaku okanye esinye isixhobo setyala lexeshana esingekahlawulwa ngomhla omiselweyo.

Imali-mboleko yosuku lokuhlawula

Imboleko yexesha elifutshane yemali encinci ukuba umboleki uyavuma ukuyibuyisela kwi-paycheck yabo elandelayo okanye idiphozithi yemali. Iimali-mboleko zosuku lokuhlawula ziintlobo ezikhethekileyo zeemali-mboleko

Umhla wokugqibela wentlawulo

Umhla wemali-mboleko okanye intlawulo yezavenge ekufuneka ihlawulwe. Isetwa liziko lezemali. Nayiphi na intlawulo efunyenwe emva kwalo mhla ithathwa kade; imirhumo kunye nezohlwayo zinokuvavanywa.

Isibhengezo sentlawulo

Ingxelo esesikweni elungiselelwe xa kucingwe ukubuyiswa kwemali-mboleko. Ibonisa imeko yangoku ye-akhawunti yemali-mboleko, zonke iimali ezityalwayo kunye nezinga lenzala yemihla ngemihla.

Ireyithi yexesha

Izinga lenzala elichaziweyo xa lithelekiswa negama elithile. Umzekelo ireyithi yexesha lenyanga ixabiso letyala ngenyanga; umlinganiselo wemihla ngemihla lixabiso letyala ngosuku.

Isibhengezo ngamaxesha

Isishwankathelo sentlawulo siyaveliswa kwaye sithunyelwe ngamaxesha athile achaziweyo, rhoqo ngenyanga.

Inombolo yoSazisi yoBuqu (i-PIN)

Ngokuqhelekileyo inombolo eneempawu ezine okanye igama, i-PIN yikhowudi eyimfihlo enikwa abanini bamakhadi okuthenga ngetyala okanye ebhanki ukuze bafikelele kwi-akhawunti yabo. Ikhowudi inikwe ngokungenamkhethe yibhanki okanye ikhethwe ngumthengi. Yenzelwe ukuthintela ukusetyenziswa okungagunyaziswanga kwekhadi xa ufikelela kwi-terminal yenkonzo yezemali.

Iwebhsayithi yobuqhetseba

Umsebenzi wokuqhatha umnini-akhawunti we-intanethi wolwazi lwezemali ngokuzenza iqumrhu elisemthethweni.

Ummeli

Sisixhobo esibhaliweyo esigunyazisa umntu omnye ukuba asebenze njenge-arhente yomnye. Amandla ommeli anokuba yinto echanekileyo kunye nesenzo esithile, okanye inokuba yinto eqhelekileyo. Imigaqo yegunya elibhaliweyo legqwetha lingachaza umhla wokuphelelwa. Kungenjalo, amandla egqwetha adla ngokuphelelwa ekufeni komntu owanikayo.

Amanye amaziko afuna ukuba usebenzise iifomu zamagqwetha ebhanki. Ibhanki inokubiza le nto isigxina samandla ommeli: inqununu inika amalungelo athile kwi-arhente.

Intlawulo egunyazisiweyo kwangaphambili

Inkqubo esekwe ngesivumelwano esibhaliweyo apho iziko lezemali ligunyaziswe ngumthengi ukuba atsale iakhawunti yomthengi ukuze ahlawule amatyala okanye enze iintlawulo zemali-mboleko.

Ukuhlawula kwangaphambili

Ukuhlawulwa kwetyala phambi kokuba libe lifanelekile.

igatya lokuhlawula kwangaphambili

Umhlathi ovumela umenzi-mboleko ukuba ahlawule elinye okanye lonke ityala eliseleyo phambi kokuba lihlawulwe.

Isohlwayo sokuhlawula kwangaphambili

Isohlwayo esibekelwe kuboleki-mali ukuhlawula imali-mboleko phambi komhla wayo omiselweyo. Kwimeko ye-mortgage, oku kusebenza xa kungekho mhlathi we-prepayment kwi-mortgage note yokuhlawula isohlwayo.

Ibhalansi yangaphambili

Ibhalansi ye-akhawunti yomnini wekhadi ngokwengxelo yentlawulo yangaphambili.

Ibhalansi eyintloko

Ibhalansi eseleyo yemali-mboleko, ngaphandle kwenzala kunye neentlawulo.

Ukukhululwa kwenyhweba

Ukukhulula i-real estate kwi-mortgage. Jonga umbuzo onxulumene nokukhululwa kwelungelo.

Ukuhlaziywa kwakhona

Indlela yokwandisa imali-mboleko engekahlawulwa apho ibhalansi yemali-mboleko eseleyo yomboleki iqengqelekiswa (iqengqiwe) kwimali-mboleko entsha ekuqaleni kwexesha elilandelayo lenkxaso-mali.

Inzala eshiyekileyo

Inzala eqhubeka ingena kwibhalansi yekhadi lakho letyala ukusuka kumhla womjikelo wesiteyitimenti de ibhanki ifumane intlawulo yakho.

Umzekelo, ukuba umhla womjikelo wesiteyitimenti sakho ubungoJanuwari 10 kwaye ibhanki ifumene intlawulo yakho nge-20 kaJanuwari, bekukho iintsuku ezilishumi ezenzelwa inzala. Le mali iya kuvela kwisiteyitimenti sakho esilandelayo.

Buyisela into

Isixhobo esixoxisanayo—ngokuyintloko itshekhi—eye yathunyelwa ebhankini ukuze iqokelelwe kwaye ihlawulwe ize ibuyiswe ingahlawulwanga yibhanki ekhutshwayo.

Reverse Mortgage

I-reverse mortgage yimveliso ekhethekileyo yemali mboleko yendlu evumela umninimzi oneminyaka engama-62 ubudala okanye ngaphezulu ukuba afikelele kwi-equity eyakhelwe kwikhaya labo. Indlu ngokwayo iya kuba ngumthombo wembuyekezo.

Imali-mboleko ithathwa ngokusekelwe kwixabiso lesibambiso (indlu) kunye nexesha elilindelekileyo lobomi bomboleki. Imali-mboleko kufuneka ihlawulwe xa usweleka, uthengise ikhaya lakho okanye ungasahlali khona njengendawo yakho yokuhlala eyintloko. Jonga imibuzo enxulumeneyo kwi-reverse mortgages.

Ityala elijikelezayo

Isivumelwano setyala (elidla ngokuba likhadi letyala) elivumela umthengi ukuba aboleke ngetyala elivunywe kwangaphambili xa ethenga iimpahla neenkonzo. Umboleki uhlawuliswa kuphela imali ebolekiweyo kunye nenzala efunekayo. Ikwabizwa ngokuba yi-akhawunti yentlawulo okanye ikhredithi evulekileyo.

Ilungelo lokumisa

Lilungelo elisemthethweni leebhanki ukuba zithimbe iimali lowo uqinisekisayo okanye otyalwayo anokuba nazo kwidiphozithi yokuhlawula imali-mboleko engasilelanga.

Ilungelo lokurhoxa

LiLungelo lokuphelisa, kwisithuba seentsuku ezintathu zokusebenza, ikhontrakthi esebenzisa ikhaya lomntu njengesibambiso, ngaphandle kwakwimeko yemali-mboleko yokuqala yokubambisa. Akukho ntlawulo kumboleki, ofumana imbuyekezo epheleleyo yazo zonke iifizi ezihlawulweyo. Ikhuselekile

Ukwaneliseka kwe-Mortgage

Uxwebhu olukhutshwe ngumbolekisi (umbolekisi) xa i-mortgage ihlawulwe ngokupheleleyo.

Inkonzo iyatshintsha

Imirhumo ivavanywa liziko elithatha idiphozithi ukulungiselela ukusetyenzwa kweentengiselwano kunye nokugcinwa kwee-akhawunti.

ikhadi lokutyikitya

Ikhadi elisayinwe nguye wonke umntu ogcina imali kunye nomthengi webhanki elinokusetyenziswa njengendlela yokuchonga. Ikhadi lokutyikitya limele isivumelwano phakathi kwebhanki kunye nomgcini.

Imali-mboleko yomfundi

Imali-mboleko eyenziwe, i-inshorensi okanye iqinisekisiwe phantsi kwayo nayiphi na inkqubo egunyaziswe nguMthetho weMfundo ePhakamileyo. Imali-mboleko isetyenziswa ngumboleki ngeenjongo zemfundo.

Ulawulo lokutshintshwa

Itshekhi yokutshintshwa yikopi enzima yangaphambili nasemva kwetshekhi yokuqala. Itshekhi yokubuyisela inkulu kancinane kunetshekhi eqhelekileyo ukuze ikwazi ukubamba ifoto yetshekhi yakho yoqobo.

Ngokusemthethweni iyafana netshekhi yokuqala ukuba imele ngokuchanekileyo ulwazi kwitshekhi yokuqala kwaye ibandakanya ingxelo elandelayo. Itshekhi ebambeleyo nayo kufuneka ibe sele yenziwe yibhanki.

Iigama

Ixesha kunye nenqanaba lenzala ekuvunyelwene ngalo phakathi kombolekisi kunye nomtyali ukuba ahlawule imali-mboleko.

Ixesha leSatifikethi seDiphozithi

Idiphozithi yexesha esenziwa sisixhobo esinokuxoxisana okanye esingaxoxisiyo esichaza isixa kunye nokuvuthwa.

Idiphozithi yexesha

Idiphozithi yexesha (ekwabizwa ngokuba yidipozithi yexesha) yidiphozithi yemali ebhankini engenako ukutsalwa "ixesha" okanye ixesha elithile.

Xa isigunyaziso sigqityiwe, sinokurhoxiswa okanye sigcinwe kwelinye igunya. Okukhona ixesha lide, kokukhona ingcono imbuyekezo yemali. Njengomthetho jikelele, ukuhoxiswa kwangaphambili kuthwala izohlwayo ezibalulekileyo.

Thembela iakhawunti

Igama eliqhelekileyo elibandakanya zonke iindidi zee-akhawunti kwinkonzo yokuthembeka, efana nemihlaba, ukugada kunye nee-arhente.

trust umlawuli

Umntu okanye iziko elilawula ii-akhawunti zetrust.

Nxiba

Ukuhlawulisa inzala ephezulu ngokungekho mthethweni kwimali-mboleko.

Izinga lokunxiba

Elona qondo lenzala liphezulu lababolekisi banokubiza ababoleki. Izinga lokunxiba lidla ngokumiselwa ngumthetho karhulumente.

Izinga lokudada

Naliphi na izinga lenzala okanye isahlulo esitshintsha ngamaxesha athile.

Sishiyele uluvo