Konke malunga neetshekhi ze-NSF

Iitshekhi yindlela yokuhlawula engaphantsi nangaphantsi esetyenziswayo, kodwa isasebenza. Iitshekhi ngamaxwebhu abizwa ngokuba ziitayitile ezihlawulela isixa esithile semali. Zingaba iitshekhi zebhanki, iitshekhi zomntu, iitshekhi eziqinisekisiweyo, njl. Kukho isimilo esohlwaywayo xa amaxwebhu achaziweyo ezotywe ngaphandle kwemali, zombini ngumthetho wezorhwebo kunye nomthetho wolwaphulo-mthetho, kunye nezohlwayo ukuya kuthi ga kunye nexesha lokuvalelwa entolongweni. Kweli nqaku, ndiyakuxelela konke malunga itshekhi embi.

Kodwa ngaphambi kokuba siqale, funda ngakumbi malunga nejagoni yebhanki.

🌾 Yintoni itshekhi yeNSF?

Ngokukhupha itshekhi egameni lomntu, ubanika ilungelo lokutsala imali kwiakhawunti yakho yebhanki ngaphandle kokufuna ubukho bakho. Ukuba kwangaxeshanye, awunamali kwi-akhawunti yakho yokuthethelela isixa-mali esibhalwe kuxwebhu, ngoko yitshekhi ye-NSF.

Ke ngoko, itshekhi ye-NSF liphepha elingaxabisekanga. Itshekhi inokuphelelwa yimali 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 ngeyakho ikhadi ekufakwa imali udale ukubanjwa kweakhawunti yakho (mhlawumbi ngaphezulu kunoko uchithe).
• Umntu ufake itshekhi oyibhalileyo 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 ze-NSF zinokukubiza imali ongenayo. Ngokuqhelekileyo uhlawula umrhumo kumntu obhale itshekhi kuye (ngokuqhelekileyo malunga ne-$ 25). Oku kuziphatha kunokubangela ukuba ishishini okanye umbutho wale ukwamkela iitshekhi zakho kwixesha elizayo.

Ibhanki yakho ikwahlawula umrhumo kwiitshekhi ze-NSF. Babuyisela itshekhi kwishishini elingahlawulwanga kwaye bakuhlawulise umrhumo wokutshekisha we-NSF. 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 ubala, ukuba ubuncinane imirhumo ezimbini 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 kuziwa ekungazini, ukusebenza okungathandekiyo kunokuphetshwa kwiimeko ezininzi. Xa ufumana itshekhi, kuya kuba lula ukubuza umntu osikhiphileyo ngowuphi umhla esinokuwukhesa ngawo (ukusuka koluphi usuku kunye nowuphi umda). Ngale ndlela uya kulungelelanisa imisebenzi yakho yebhanki kwaye ufumane imali yakho ngexesha elifanelekileyo.

Oku kungasentla kulungele umntu okhupha itshekhi kunye nomntu oyikhuphayo. Owangaphambili ugwema inkathazo yokuya ebhankini ngokungaphumeleli kwaye lo mva uphephe isohlwayo semali (ikhomishini) ukuba ibhanki yakhe iya kuhlawulisa ngenxa yentengiselwano engaphumelelanga. Kubalulekile ukukhumbula ukuba kukho iintlawulo kwiitshekhi ze-NSF. 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 idiphozithi, akutshintshele kwelinye ilizwe okanye akunike imali ezinkozo ngokukhawuleza.

Ungabathathela amanyathelo asemthethweni aba bantu xa besala ukukuhlawula. Ukuba ucinga ngokumangalela umntu ngenxa yesi sizathu, kuyacetyiswa ukuba uqale uqhagamshelane nequmrhu leengcali ukuze ufumane uncedo kunye neengcebiso ezithile.

Ulwazi oluninzi lunikezelwa apho kwimeko nganye kwaye baneengcali zokunceda ukusombulula ingxaki. Ukuba ityala liphumelele, umkhohlisi kufuneka akuhlawule, kungekuphela nje isixa setyala kodwa kunye nesongezelelo. Le ntsalela yeyomonakalo kunye neentlawulo zomthetho.

🌾 UHlolo lwe-NSF lukuchaphazela njani ukuthembeka kwakho?

Itshekhi ye-NSF ayibonakali kwiingxelo zakho zetyala lemveli. Nangona kunjalo, iinkampani ziyakuthanda Inkqubo yeChexs unokugcina ingxelo yomsebenzi wakho webhanki.

Ukuba awunayo imbali yekhredithi eyomeleleyo (kuba awukazakhi ikhredithi yakho okwangoku), ababolekisi, abaqeshi kunye ne-inshurensi banokubhenela kwii-arhente 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 loo arhente ibika umsebenzi kwiiofisi ezinkulu zeentengo zemboleko, amanqaku akho esiqhelo aya kubandezeleka.

Ngaphambi kokuba uhambe, nalu uqeqesho olukuvumela ukuba wenze njalo master yorhwebo ngeyure nje 1. Funda ngakumbi malunga Proptechs, la imali eluhlaza kakhulu.

FAQ

Yintoni itshekhi embi?

Itshekhi ebounced (okanye bogus check) yitshekhi ekhutshwa yidrowa (leyo ibhala itshekhi) xa bengenamali yaneleyo kwiakhawunti yabo yebhanki yokuyigubungela. Xa umxhamli efaka isheke kwibhanki yakhe, lo mva uphawula ukungabikho okanye ukungonelanga kwemali kwaye unokwala intlawulo.

Zithini iziphumo zetshekhi yeNSF?

Ukukhutshwa kwetshekhi embi lityala lolwaphulo-mthetho elinohlwaywa ngezohlwayo kunye nexesha lokuvalelwa entolongweni. Ukongeza, iinkqubo zoluntu zinokuqalwa ngumxhamli ukufumana imbuyekezo ngomonakalo wabo.

Idrowa iya kuba negama lakhe libhaliswe kwiFayile yeSizwe yeeTshekhi eziZitenxo (FCC) iminyaka emi-5. Oku kuyakwalela ekukhupheni iitshekhi kuzo zonke iibhanki zaseFransi, ngaphandle kokuba kuvunyelwene ngabo.

Iintlawulo zebhanki zeetshekhi ezibhampisiweyo nazo ziyatsalwa yibhanki.

Yintoni idrowa yomngcipheko wokujonga kakubi?

• Intlawulo ukuya kuthi ga kwi-€375
• Ukuvalwa kokukhupha iitshekhi ubuninzi beminyaka emi-5
• Ukubhaliswa kweFCC iminyaka emi-5
• Isigwebo sokuvalelwa entolongweni ukuya kutsho kwiminyaka emi-5 ngenxa yolwaphulo-mthetho oluphindayo
• Imbuyekezo yomonakalo ofunyenwe ngumxhamli
• Imali yokulahlwa kwebhanki

Zeziphi izohlwayo zomntu ofumana itshekhi engalunganga?

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

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 yokurhoxisa ukutshutshisa kumxhamli
• Ngenisa isicelo kumtshutshisi sokucela ukuba kucinywe ukuvalwa kweebhanki

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