Ngokuphambene nalokho finance de Demain ijwayele ukwazi ukuthi ingakunikeza kanjani izeluleko zokukusiza ukhulise ibhizinisi lakho, lesi esinye isihloko sikwethulela i-jargon yasebhange. Le miqondo ebalulekile yasebhange empeleni yimigomo ozoyizwa kakhulu uma uvakashela ibhange. Ngakho-ke inhloso yalo mhlahlandlela ukukusiza ukuthi uqonde kangcono i-jargon yasebhange.
Asihambe
Kuyinkontileka elawula i-akhawunti yakho yekhredithi evulekile. Inikeza ulwazi ngezinguquko ezingase zenzeke ku-akhawunti.
Thola 200% Ibhonasi ngemuva kwediphozithi yakho yokuqala. Sebenzisa le khodi yephromo: argent2035
Lona umlando wokukhokha we-akhawunti phakathi nenkathi ethile yesikhathi, okuhlanganisa nenani lezikhathi i-akhawunti edlulile ngayo ukukhokha noma ngaphezu komkhawulo.
Lesi sisho sisho noma yimuphi umuntu ogunyazwe ukwenza imisebenzi egameni le-akhawunti. Isiginesha yomnikazi we-akhawunti ngamunye kufanele ibhaliswe nebhange. Isiginesha igunyaza lowo muntu ukuthi enze ibhizinisi egameni le-akhawunti.
Bona imibuzo ehambisanayo Umphathi we-akhawunti ohlanganyelwe wokukhetha ukungena I-Overdraft, Imvume Yokuqinisekisa I-akhawunti ehlanganyelwe kanye nesibopho se-akhawunti ehlanganyelwe.
Lena inzalo ezuziwe kodwa engakakhokhwa.
Lezi yimalimboleko enikezwa ibhange ukuze kutholwe izindlu ezithengiswayo. Izinga lenzalo lokuqala livamise ukuba ngaphansi kunemalimboleko yesilinganiso esimisiwe esivamile. Leli zinga lingashintsha phakathi nesikhathi semali mboleko kuye ngezimo zemakethe.
Sebenzisa le khodi yephromo: argent2035
Ngokuvamile kuba nomkhawulo (noma usilingi) kanye nobuncane (noma phansi) obuchazwe esivumelwaneni semalimboleko. Uma izinga lenzalo likhuphuka, ukukhokhwa kwemali mboleko nakho kuyanda. Uma izilinganiso zenzalo zehla, ukukhokhwa kwemali mboleko kungase futhi. Bheka lo mhlahlandlela ukuze ufunde kabanzi mayelana Izindlu ezibolekiwe.
Ukwenqaba kombolekisi ukunikeza isikweletu ngaphansi kwemibandela eceliwe, ukunqanyulwa kwe-akhawunti ekhona noma ukuguqulwa okungekuhle kwe-akhawunti ekhona.
Isaziso esidingwa yi-Equal Credit Opportunity Act eyazisa umfakisicelo wesikweletu noma okweletayo okhona ngokunqatshelwa kwesicelo sakhe sekhredithi noma ukweluleka ngoshintsho ezimeni ezithathwa njengezingezimbi kumnikazi we-akhawunti.
Yinoma yiluphi ushintsho oluhilela ukusula noma ukubhala kabusha idethi, inani noma okhokhelwayo wesheke noma enye into okungaxoxiswana ngayo.
Kuwuhlelo lokunciphisa isikweletu ngokufakwa njalo kwezitolimende zikathishanhloko kanye nenzalo ezoholela ekukhokhweni kwemali mboleko lapho kufanele.
Kuyizindleko zesikweletu njalo ngonyaka, ezivezwa njengephesenti.
Izinga lephesenti elibonisa isamba senani lenzalo ekhokhiwe ku-akhawunti yediphozi ngokususelwe esilinganisweni senzalo nemvamisa ehlanganisayo yonyaka wezinsuku ezingama-365.
Isenzo sokuhlola kanye nokulungisa inani lesakhiwo esithile noma izindlu ezithengiswayo.
Ukukhishwa kwesigunyazo ngumkhiphi we ikhadi lesikweletu, umthengisi noma enye inkampani ephethwe, ukuze aqedele umsebenzi wekhadi lesikweletu.
Isikhungo sekhompuyutha esisetshenziswa izikhungo ezigcina amalungu ukuhlanganisa, ukuhlela nokusabalalisa amakhredithi namadebhithi phakathi kwamabhange.
Ama-ACH acubungula ukudluliselwa kwe-elekthronikhi kwezibambiso zikahulumeni futhi ahlinzeke ngamasevisi ekhasimende, njengediphozithi eqondile yamaholo ekhasimende kanye nezinkokhelo zezinzuzo zikahulumeni (okungukuthi, Ukuphepha Komphakathi, Amalungelo Ezenhlalakahle, nomakadebona) kanye nokudluliselwa okugunyazwe ngaphambilini. Bona imibuzo ehlobene emisebenzini ye-elekthronikhi.
Iwumshini, ocushwe ikhadi elifakwe ngozibuthe noma enye indlela, engacubungula imisebenzi yasebhange ehlukahlukene. Lokhu kufaka phakathi ukwamukela amadiphozithi nezinkokhelo zemalimboleko, ukwenza ukuhoxiswa kwemali, nokudlulisa izimali phakathi kwama-akhawunti.
Uhlelo olungalawuleki lokukhokha izikweletu eziphindelelayo ezinesitatimende esisodwa sokugunyazwa esikhungweni sezezimali. Isibonelo, ikhasimende lizodinga kuphela ukunikeza ifomu/incwadi/idokhumenti yokugunyazwa ukuze likhokhele isikweletu sekhebula njalo ngenyanga. Amadebhithi adingekayo namakhredithi enziwa nge-automated clearing house (ACH).
Inqubomgomo yebhange mayelana nokuthi imali efakwe ku-akhawunti izotholakala nini ukuze ikhishwe.
Ibhalansi ye-akhawunti ngaphansi kwanoma yikuphi okubanjiwe, izimali ezingaqoqiwe, nemikhawulo ku-akhawunti.
Ungumehluko phakathi komkhawulo wesikweletu onikezwe i-akhawunti yomnikazi wekhadi kanye nebhalansi ye-akhawunti yamanje.
Inqubo yokudlulisa ibhalansi esele isuka kwelinye ikhadi lesikweletu iye kwelinye. Lokhu kuvame ukwenziwa ukuze kutholwe izinga lenzalo eliphansi kubhalansi esele. Ukudluliselwa kwesinye isikhathi kukhonjelwe enkokhelweni yokudlulisa ibhalansi.
Umnakekeli webhange unesibopho sokugcina ukuphepha kwezimpahla zeklayenti ezigcinwe kwenye yezakhiwo zomgcini, indawo yomgcini ongaphansi noma umnakekeli wangaphandle.
Ukubuyekezwa kwezimpahla zebhange, imali engenayo nezindleko. Lo msebenzi uhlose ukuqinisekisa ukuthi ibhange liyancibilika futhi lisebenza ngokuhambisana nemithetho yamabhange kanye nezimiso zamabhange eziphusile.
Thola 200% Ibhonasi ngemuva kwediphozithi yakho yokuqala. Sebenzisa le khodi yephromoshini esemthethweni: argent2035
Ngezikhathi ezithile, ibhange linikeza isitatimende se-akhawunti yediphozi yekhasimende. Lesi sitatimende sibonisa wonke amadiphozithi afakiwe, wonke amasheke akhokhiwe kanye namanye amadebhithi arekhodiwe phakathi naleso sikhathi, kanye nebhalansi yamanje.
Wusuku lwebhizinisi lapho ihhovisi lasebhange livulekele umphakathi cishe kuyo yonke imisebenzi yalo yamabhange.
Umuntu ongenamali, ibhizinisi, noma inkampane ayinazo izimpahla ezanele zokukhokhela izikweletu zayo. Okweletayo ufuna ukukhululeka ngezinqubo zomthetho ukuze asungule uhlelo lokukhokha noma asule izikweletu.
Kwezinye izimo, okweletayo kufanele anikeze ukulawula kwazo zonke izimpahla kumphathiswa oqokwe yinkantolo.
Inqubo yomthetho lapho izindaba zomuntu otshonkile zinikezwa umphathiswa noma umamukeli ukuze aphathwe ngaphansi kwemithetho yokuqothuka. Kunezinhlobo ezimbili zokuqothuka:
Umuntu onegunya lokuthola izinzuzo noma inzuzo yefa, ithrasti, umshwalense, uhlelo lwempesheni, impesheni noma enye inkontileka.
Isikhathi esiphakathi kwamadethi okukhishwa ngawo izitatimende zezikhathi ezijwayelekile.
Inyanga, idethi kanye nonyaka wokukhiqizwa kwesitatimende sezikhathi ezithile noma sanyanga zonke. Izibalo zenziwe zenkokhiso efanele yezezimali, ubuncane benkokhelo okufanele ikhokhwe kanye nebhalansi entsha.
Inkokhelo evela esitatimendeni sezikhathi ezithile esihlotshaniswa nokwelulwa kwekhredithi (isb., ikhadi lesikweletu) engagunyazwanga umnikazi wekhadi noma i-ejenti yakhe, engahlonzwanga kahle, futhi engakamukelwa umnikazi wekhadi noma umenzeli wakhe. .
Iphutha lokukhokha lingabangelwa futhi ukwehluleka kombolekisi ukufaka inkokhelo noma esinye isikweletu ku-akhawunti kanye namaphutha okubalwa kwezimali nawokubhala.
Noma yiluphi usuku lapho amahhovisi ebhange evulekele umphakathi ukuthi uqhube kakhulu yonke imisebenzi yebhange.
Isheke ibhange elilikhokhile, lidonse imali ku-akhawunti yomnikazi we-akhawunti, bese liyagunyaza. Uma seliqediwe, isheke alisaxoxiswana ngalo.
Isheke elidonswa emalini yasebhange, hhayi imali e-akhawuntini yomgcinimafa. Nokho, umfaki-mali wakhokha isheke lika-cashier ngemali evela ku-akhawunti yakhe. Inzuzo enkulu yesheke lika-cashier ukuthi okhokhelwayo uyaqinisekiswa ukuthi izimali ziyatholakala.
Xhumana ne umehluko phakathi kwamasheke asebhange, amasheke omuntu siqu namasheke aqinisekisiwe
Incwadi ecela ukuba inkampani imise umsebenzi oshiwo encwadini.
Ithuluzi okungaxoxiswana ngalo elikhishwe ibhange lishintshanisa imali, ngokuvamile enenzalo, efakwa ebhange. Bheka lo mhlahlandlela ukuze ufunde konke mayelana izitifiketi zediphozithi.
Isitifiketi esisayinwe ngumbolekisi esisho ukuthi imali yokuthenga indlu isikhokhelwe ngokugcwele futhi zonke izikweletu seziqediwe. Kwaziwa nangokuthi ukukhululwa kwe-lien.
Isheke lomuntu siqu elidonswa ngumuntu oqinisekisiwe (oqinisekisiwe) ukuthi muhle. Ngaphambili kwesheke kunamagama athi "kuqinisekisiwe" noma "kwamukelwe" futhi kusayinwe isikhulu sebhange noma isikhungo sokulondoloza imali esikhipha isheke. Isignesha isho ukuthi isignesha yedrowa iyiqiniso, futhi izimali ezanele zifakwa futhi zibekelwe ukukhokhwa kwesheke.
Sebenzisa le khodi yephromo: argent2035
Umyalelo obhaliwe oqondisa isikhungo sezezimali ukuthi sikhokhe ngokushesha uma sifuna isamba semali esishiwo ku-akhawunti yombhali wesheke kumuntu obhalwe eshekeni noma, uma umuntu othile engashiwongo ngegama, kumuntu ophethe isheke esikhungweni ukuze akhokhe.
Ukuguqulwa kwedatha yesheke ibe yisithombe se-elekthronikhi ngemva kokufakwa kwesheke ohlelweni lokucubungula. Ukwehliswa kwesheke kuqeda isidingo sokubuyisela amasheke akhanseliwe kumakhasimende.
I-akhawunti yediphozithi yokufunwa ngaphansi kokuhoxiswa kwezimali ngesheke. Bheka lo mhlahlandlela I-akhawunti Yamanje Yasebhange - Incazelo, Izinzuzo kanye Nobubi
Inethiwekhi ye-ChexSystems, Inc. ihlanganisa izikhungo zezezimali ezingamalungu ezihlale zinikeza ulwazi mayelana nama-akhawunti okuhlola angaphethwe kahle nawokulondoloza endaweni eyodwa emaphakathi. I-ChexSystems yabelana ngalolu lwazi phakathi kwezikhungo ezingamalungu ukuze izisize zihlole ubungozi bokuvula ama-akhawunti amasha. Iwuhlobo lwesikhungo sobungozi.
I-ChexSystems yabelana ngolwazi kuphela nezikhungo ezingamalungu; ayinqumi ngokuvulwa kwama-akhawunti amasha. Ngokuvamile, ulwazi luhlala ku-ChexSystems iminyaka emihlanu.
Imalimboleko yesikhathi esingenamkhawulo
Njengomthetho ojwayelekile, noma iyiphi imali ebolekiwe inani elithuthukisiwe, kanye nezindleko zezimali, kulindeleke ukuthi ikhokhwe ngokugcwele ngedethi eshiwo. Iningi lemalimboleko yezindlu kanye izimoto yizinkontileka ezihlala njalo.
Ukuqedwa komsebenzi wenkontileka wezindlu ezithengiswayo lapho wonke amadokhumenti afanelekile asayinwa khona bese imali yemali mboleko ikhishwa ngumbolekisi.
Izindleko ezitholwe abathengisi nabathengi zokudlulisa ubunikazi bezindlu ezithengiswayo. Izindleko zokuvala zingase zihlanganise izimali zokuvela, amaphuzu esaphulelo, izimali zommeli, izimali ezibolekiwe, ukusesha isihloko kanye nomshwalense, izimali zophenyo, izimali zokubhalisa kanye nombiko wesikweletu.
Izimpahla ezinikezwa ukuvikela imalimboleko noma esinye isikweletu. Isibonelo, uma uthola isikweletu sendlu, isibambiso sebhange ngokuvamile yindlu yakho. Isibambiso siyabanjwa uma kwenzeka iphutha.
Inkampani esebenzisana nombolekisi ukuze aqoqe isikweletu sakhe. Abakweletwayo ngokuvamile baqasha i-ejensi yokuqoqa kuphela ngemva kokuba benze imizamo yokuqoqa isikweletu ngokwabo.
I-Mutual Fund yi-trust eyakhiwe futhi ilawulwa yibhange noma inkampani ye-trust ehlanganisa izimpahla zamaklayenti amaningi.
Umuntu wemvelo osayina inothi lomunye umuntu ukuze asekele ikhredithi yomuntu osayinayo oyinhloko futhi uba nesibopho sesibopho.
Ifomu okufanele ligcwaliswe ngumfakisicelo we-akhawunti yesikweletu, elinikeza imininingwane eyanele (indawo yokuhlala, umsebenzi, imali engenayo kanye nezikweletu ezikhona) ukuze umthengisi akwazi ukuhlonza ukuthi umenzi wesicelo ukufanele yini ukuthola isikweletu. Kwesinye isikhathi imali yokufaka isicelo iyakhokhiswa ukumboza izindleko zokucubungula imali ebolekiwe.
Noma yisiphi isikhungo sezezimali esinikeza amakhadi asebhange labo abawacelayo.
Iwuhlobo lomshwalense olukhokha imali ebolekiwe uma ugula noma ulimele futhi ungakwazi ukusebenza. Waziwa nangokuthi umshwalense wezingozi kanye nomshuwalense wezempilo.
Uhlobo lomshwalense wempilo olusiza ekukhokheleni imali mboleko uma ushona ngaphambi kokuthi imali mboleko isikhokhelwe ngokugcwele. Lokhu kuyikhava ozikhethela yona.
Inani eliphezulu lesikweletu elitholakala ekhadini lesikweletu noma omunye umugqa wesikweletu.
Umbiko oningiliziwe womlando wezikweletu womuntu olungiswe yi-credit bureau futhi osetshenziswa umbolekisi ukuze anqume ukufaneleka kwekhredithi komfakisicelo wemalimboleko.
I-ejensi eqoqa ulwazi lomuntu ngamunye lwekhredithi futhi ilithengise ngemali ekhokhwayo kubabolekisi ukuze benze isinqumo ekunikezeni imalimboleko. Amakhasimende ajwayelekile afaka amabhange, ababolekisi bezindlu, izinkampani zamakhadi esikweletu nezinye izinkampani zezezimali.
Isikhathi sosuku esisungulwe yibhange ukuthola amadiphozithi. Ngemuva kwesikhathi esinqunyiwe, amadiphozithi abhekwa njengemukelwe ngosuku olulandelayo lwebhizinisi.
Idebithi ingaba i-akhawunti efakwayo emelela imali oyikweletayo umebolekisi noma imali ethathwe ku-akhawunti yakho yediphozi.
Ikhadi lasebhange ivumela umnikazi we-akhawunti ukuthi afinyelele izimali zakhe nge-elekthronikhi. Amakhadi edebithi angasetshenziswa ukuthola ukheshi kuma-ATM noma ukuthenga izimpahla noma izinsizakalo kusetshenziswa amasistimu okudayiswa ngawo. Ukusetshenziswa kwekhadi ledebhithi kuhilela ukudonswa kwemali ngokushesha kanye nokufakwa kwekhredithi kwama-akhawunti omthengi.
Umuntu okweleta elinye iqembu imali.
Iphesenti lesamba semali engenayo yanyanga zonke yomthengi esetshenziselwa ukukhokha izikweletu. Ngokuvamile, ukuphakama kwesilinganiso, kuyanda ubungozi obubonakalayo. Izimalimboleko eziyingozi kakhulu ngokuvamile zinenani lenzalo ephezulu.
Yinkokhelo ehlehliselwe usuku olukamuva.
Idiphozithi yezimali engahoxiswa ngaphandle kwesaziso.
Imemorandamu enemininingwane yemali nezinye izimali ikhasimende eliziletha ebhange ukuze lifake i-akhawunti yalo.
Idatha etholwe umbolekisi ebonisa ukuthi umfakisicelo akazange akhokhe ama-akhawunti nabanye ababolekisi njengoba kudingeka.
Inkokhelo ifakwe nge-elekthronikhi ku-akhawunti yomuntu ngamunye esikhungweni esithatha idiphozi.
Ingxabano ethunyelwe ngokuqondile kumhlinzeki mayelana nokunemba kolwazi oluqukethwe embikweni wakho womthengi mayelana ne-akhawunti noma obunye ubudlelwano onabo nomhlinzeki.
Umyalelo obhaliwe futhi osayiniwe lapho umuntu oyedwa (ikhabethe) eyala omunye umuntu (umdwebi) ukuthi akhokhe isamba esithile kumuntu wesithathu (okhokhelwayo), lapho ebona khona noma ngosuku olushiwo. Okusalungiswa kwebhange okujwayelekile kungamathuluzi okungaxoxiswana ngawo futhi kuyefana ngezindlela eziningi zokuhlola.
Umuntu (noma ibhange) okufanele akhokhe isheke noma okusalungiswa lapho ethulwa ukuze akhokhe.
Ibhange okukhishwa kulo isheke.
Isevisi evumela umnikazi we-akhawunti ukuthi athole ulwazi lwe-akhawunti futhi aphathe ukuthenga okuthile kwebhange esebenzisa ikhompuyutha yomuntu siqu ngewebhusayithi yesikhungo sezezimali ku-inthanethi. Lokhu kwaziwa nangokuthi ibhange online.
Ukuguqulwa kwesheke le-elekthronikhi kuyinqubo lapho isheke lakho lisetshenziswa khona njengomthombo wolwazi wenombolo yesheke, inombolo ye-akhawunti yakho, kanye nenombolo ekhomba isikhungo sakho sezezimali.
Ulwazi bese lusetshenziselwa ukwenza inkokhelo ye-electronic yesikhathi esisodwa ku-akhawunti yakho - ukudlulisa izimali nge-elekthronikhi. Isheke ngokwalo aliyona indlela yokukhokha.
Ukudluliswa kwemali phakathi kwama-akhawunti ngamasistimu omthengi we-elekthronikhi - njengama-ATM kanye nenkokhelo yebhili ye-elekthronikhi - esikhundleni sesheke noma ukheshi. Ukudluliswa kwe-elekthronikhi, amasheke, okusalungiswa nezinsimbi zephepha akungeni kulesi sigaba.
Ezifundeni eziningi, ukukhwabanisa kuchazwa njengokuntshontshwa/ukwebiwa kwempahla (imali noma impahla) ngumuntu othile osesikhundleni sokwethenjwa noma umthwalo wemfanelo ngalezo zimpahla. Ukukhwabanisa kuvame ukuvela kumongo wokuqashwa kanye nebhizinisi.
Inqubo esetshenziselwa ukuphrinta noma ukubhala izinhlamvu kazibuthe kumasheke, amadiphozithi namanye amathuluzi ezezimali.
Inqubo edingekayo ukuze kuxazululwe amaphutha ahilela ukudluliselwa nge-elekthronikhi ukuya nokubuya kuma-akhawunti ediphozi.
Ithuluzi lezezimali eliphethwe inkampani yangaphandle egameni lezinye izingxenye ezimbili kumsebenzi. Izimali ziphethwe yi-Escrow Service kuze kube yilapho ithola imiyalelo ebhaliwe noma yomlomo efanele noma kuze kube yilapho izibopho sezifeziwe. Izibambiso, izimali kanye nezinye izimpahla zingafakwa ku-escrow.
Ukubuyekezwa ngezikhathi ezithile kwama-akhawunti e-escrow okwenziwa yinkampani ebolekayo ukuze kuqinisekiswe ukuthi amadiphozithi anyanga zonke anele ukukhokha izintela, umshwalense, nezinye izinto ezihlobene ne-escrow uma kufanele.
Izimali ezigcinwe yinkampani ebolekayo ukuze zikhokhe izintela, umshwalense nezinye izinto ezihlobene nezikweletu zezindlu lapho kufanele.
I-akhawunti esegameni lomufi futhi ephethwe umabi wefa noma umqondisi wefa.
Ukuzimisela ukusebenza njengomabi wefa, umlawuli, umnakekeli, umnakekeli noma umphathiswa wethrasti yomndeni, i-trust egunyaziwe noma i-testamentary trust, noma umamukeli noma umphathiswa wokuqothuka.
Isamba sezindleko zesikweletu ikhasimende okufanele lizikhokhe emalimboleko yomthengi, okuhlanganisa nenzalo.
Inhlangano egunyazwe ngumthetho ukuqinisekisa ukusebenza okuphephile nokuzwakalayo kwezikhungo zezimali ezinelayisensi.
Izinga lenzalo futhi inkokhelo ihlala injalo ngesikhathi sokubolekwa imali. Umthengi wenza izinkokhelo ezilinganayo zenyanga zikathishanhloko nenzalo kuze kube yilapho isikweletu sesikhokhelwe ngokugcwele. Asifunde okuningi mayelana nemalimboleko.
I-mortgage izinkokhelo zayo ezingashintshi impilo yonke yemali mboleko ngoba izinga lenzalo neminye imibandela imisiwe futhi ayishintshi.
Izimali ezikhokhwa ibhange lakho ngokwenza umsebenzi kuma-ATM welinye ibhange.
Isheke lapho isiginesha yekhabethe lenziwe ngomgunyathi. Bona imibuzo ehlobene maqondana nokwenza mbumbulu.
Isiginesha yomgunyathi noma ukuguqulwa kwegama lomunye entweni efana netayitela, imali ebolekiwe noma isheke. Inhloso yokwephulwa komthetho ukukhohlisa noma ukukhwabanisa.
Kuyi-akhawunti lapho izimali ezingeke zihoxiswe kuze kube yilapho isikweleti sanelisiwe futhi umyalelo wenkantolo noma enye inqubo yezomthetho yenza i-akhawunti itholakale ukuze ihoxiswe. Isibonelo, i-akhawunti yomuntu oshonile ivaliwe kuze kube yisinqumo senkantolo esabalalisa izimali kubanikazi abasha.
I-akhawunti ingase futhi imiswe uma kwenzeka kuba nengxabano mayelana nobunikazi bangempela be-akhawunti. Ibhange lizomisa i-akhawunti ukuze ilondoloze izimali ezikhona kuze kube yilapho izinyathelo zomthetho zinganquma umnikazi ofanele.
Sebenzisa le khodi yephromo: argent2035
Inqubo engokomthetho evumela umbolekisi ukuthi akhiphe izimali ku-akhawunti yakho yasebhange ukuze akhokhe isikweletu ongasikhokhanga. Uma ukweleta othile noma ibhizinisi imali, bangathola incwadi yenkantolo yokuthi ibhange lakho likhiphe imali ku-akhawunti yakho ukuze likhokhe isikweletu sakho.
Iqembu elivuma ukuba nesibopho sokukhokha izikweletu zomunye umuntu uma kwenzeka lelo qembu lihluleka ukukhokha.
Umugqa wesikweletu ovikelwe ukulingana ekhaya lomthengi. Ingasetshenziselwa ukuthuthukiswa kwekhaya, ukuhlanganiswa kwezikweletu, nokunye ukuthenga okukhulu. Inzalo ekhokhwayo emalini ebolekiwe ngokuvamile idonswa intela. Izimali zifinyelelwa ngokubhala amasheke kulayini wesikweletu noma ngokuthola imali ngaphambi kwesikhathi.
Imali mboleko ye-home equity ikuvumela ukuthi ungene ku-equity eqoqwe ekhaya lakho. Kungumehluko phakathi kwenani indlu yakho obungathengiswa ngayo kanye nenani osakweleta lona.
Abanikazi bezindlu bavame ukusebenzisa imali ebolekiwe yezindlu ukuze balungise ikhaya labo, bakhokhele imoto entsha, noma baxhase ngemfundo yasekolishi yengane yabo. Inzalo ekhokhwayo ngokuvamile idonswa intela.
Njengoba imali ebolekiwe ivikelwe ngokulingana ekhaya lakho, uma ubhadala, ibhange lingakwazi ukulidla ngaphambi komuzi wakho futhi lithathe ubunikazi balo.
Lolu hlobo lwemalimboleko ngezinye izikhathi lubizwa ngokuthi i-mortgage yesibili noma uboleke indlu yakho.
Lena i-akhawunti enomsebenzi omncane noma ongenawo nhlobo; akukho okufakiwe noma ukuhoxiswa okurekhodiwe ku-akhawunti isikhathi esibalulekile.
I-CD enenkomba iyisidingo sediphozi yebhange elikhiphayo futhi ivamise ukudayiswa ngamagatsha namabhange angekho emthethweni nangamagatsha. Ama-CD anenkomba anikeza umtshali-zimali ithuba lokubamba iqhaza ekwaziseni, uma kukhona, kwenkomba ethile, ngesikhathi se-CD.
Ama-CD anenkomba angaba nezakhiwo zenkokhelo eziyinkimbinkimbi futhi angase angafaneli noma angabafanele bonke abatshalizimali. Abatshalizimali kufanele babuyekeze ngokucophelela ukucatshangelwa kwengozi yokutshalwa kwezimali okuningiliziwe kumadokhumenti okunikezwayo afanelekile kanye nezitatimende zokudalula.
Ama-CD anenkomba awazona izibambiso futhi awabhalisiwe ngaphansi kwemithetho yezibambiso.
I-akhawunti esegameni lomuntu.
Uhlelo lokonga lomhlalaphansi lwabantu ngabanye lapho iminikelo yonyaka edonswa intela efika kumkhawulo othile ingenziwa. Imali ekhokhiwe ayikhokhiswa intela ize ihoxiswe. Ukuhoxa akuvunyelwe ngaphandle kwesijeziso kuze kube yilapho umuntu efinyelela iminyaka ebekiwe. Nakhu ungonga kanjani ngaphandle kokucindezeleka ngesikhathi sokuthatha umhlalaphansi
Uma ibhalansi yamanje ye-akhawunti yomgcinisimali inganele ukukhokha isheke elethulwa inkokhelo.
Umshwalense wokuvikela umnikazi nomamboleki ekulimaleni okuphathekayo kwesakhiwo okuvela emithonjeni efana nomlilo, umoya noma ukucekelwa phansi.
I-akhawunti ephethwe abantu ababili noma ngaphezulu. Noma iyiphi inhlangano ingase isebenze ngokuhlukile noma ndawonye ngokuvumelana nesivumelwano se-akhawunti yediphozi.
Bhala isheke lemali ezokhipha i-akhawunti isikhathi esingaphezu kwesisodwa kodwa ukhokhe imali eshodayo ngokufaka elinye isheke kwelinye ibhange. Isibonelo, ukuthumela isheke le-mortgage lapho i-akhawunti yakho yokuhlola ingenayo imali eyanele yokumboza isheke, kodwa ulindele ukuthola nokufaka isheke lakho lokukhokha ngaphambi kokuba inkampani ye-mortgage inikeze isheke lokukhokha.
Imali ekhokhiswa ukukhokha sekwephuzile emalini ebolekiwe yesitolimende, ngokuvamile evezwa njengephesenti lemali mboleko noma ibhalansi yokukhokha. Futhi, inhlawulo ebekwe okhipha ikhadi ku-akhawunti yomnikazi wekhadi ngokwehluleka ukwenza izinkokhelo ezincane.
Umuntu noma isikhungo sezimali esiboleka imali silindele ukuthi imali izobuyiselwa nenzalo.
Isinyathelo somthetho ngokumelene nesakhiwo. Uma indawo isidayisiwe, umnikazi wemalimboleko ube esekhokhelwa inani elikweletwayo.
Ukugunyazwa kwemali mboleko egunyazwe kusengaphambili nomkhawulo othile wokuboleka osuselwe ekufanelekeleni isikweletu. Umugqa wesikweletu uvumela ababoleki ukuthi bathole inombolo ethile yemali mboleko ngaphandle kokufaka isicelo kabusha isikhathi ngasinye inqobo nje uma isamba semali ebolekiwe singeqi umkhawulo wesikweletu.
Isivumelwano esibhaliwe phakathi komboleki kanye nomabolekisi lapho kubekwa khona imigomo nemibandela yemali mboleko.
Izimali ezikhokhiswa umabolekisi ukuze enze imali ebolekiwe (ngaphezu kwenzalo ekhokhiswa obolekayo).
Isivumelwano senkontileka emalimboleko esivumela umeboleki noma umbolekisi ukuthi aguqule unomphela umgomo owodwa noma eminingi yenkontileka yokuqala. Bona umbuzo ohlobene ngosizo lwe-mortgage.
Isamba senani lezimali isikhungo esibolekisayo esisikhiphayo ngaphansi kwemali mboleko bese sikweleta umboleki.
Idethi okufanele ikhokhwe ngayo ibhalansi eyinhloko yemali mboleko, ibhondi noma elinye ithuluzi lezezimali.
Inani lemali okufanele lifakwe ku-akhawunti ukuze ofake imali afanelekele izinkonzo ezikhethekile noma ukuhoxiswa kwezimali zesevisi.
Inani elincane okufanele likhokhwe inyanga ngayinye ngemalimboleko, umugqa wesikweletu noma esinye isikweletu.
Inkokhelo eyenziwe kodwa engafakwanga ku-akhawunti efanele.
I-akhawunti yokulondoloza enikeza izinga lenzalo eliphezulu ngokushintshanisa amadiphozithi amakhulu kunejwayelekile. Funda konke mayelana ama-akhawunti emakethe yemali.
I-open-end mutual fund etshala ezikweletini zesikhashana namathuluzi emali afana nezikweletu ze-treasury futhi ekhokhela izilinganiso zenzalo yemakethe yemali. Izimali zemakethe yemali ngokuvamile zinikeza amalungelo okubhala amasheke.
Sebenzisa le khodi yephromo: argent2035
Ithuluzi lesikweletu elisetshenziswa ekwenziweni kwezindlu nemizi lapho indawo iyisibambiso semali mboleko. I-mortgage inikeza umebolekisi ilungelo lokuthatha indawo uma umboleki ehluleka ukuboleka imali.
Imali ebolekiwe enikezwa umamboleki ukuze kuxhaswe izindlu nomhlaba. Izindlu zokubolekwa kwezindlu: yini okufanele ukwazi ngalezi zindlela zezimali?
Umbolekisi osebudlelwaneni be-mortgage.
Umboleki osebudlelwaneni be-mortgage. Indawo isetshenziswa njengesibambiso ukwenza inkokhelo.
Isikhwama esiphethwe inkampani yokutshalwa kwezimali eqoqa izimali kubanikazi bamasheya bese izitshala kumasheya, amabhondi, izinketho, izimpahla noma izibambiso zemakethe yemali.
Lezi zimali zinikeza abatshalizimali izinzuzo zokuhlukahluka kanye nokuphathwa kochwepheshe.
Isheke elidwetshwa ebhange lasayinwa isikhulu sasebhange esigunyaziwe. (Futhi kwaziwa ngokuthi isheke le-cashier.)
Isevisi evumela umnikazi we-akhawunti ukuthi athole ulwazi lwe-akhawunti futhi alawule imisebenzi ethile yasebhange ngekhompyutha yomuntu siqu ngewebhusayithi yesikhungo sezezimali ku-inthanethi. Lokhu kwaziwa nangokuthi i-Inthanethi noma ibhange nge-elekthronikhi.
Isivumelwano sesikweletu (ngokuvamile ikhadi lesikweletu) esivumela ikhasimende ukuthi liboleke ngomugqa ogunyazwe kusengaphambili wekhredithi lapho lithenga izimpahla namasevisi. Umboleki ukhokhiswa kuphela inani elibolekiwe kanye nenzalo efunekayo. Futhi ibizwa nge-akhawunti yezindleko noma ikhredithi ejikelezayo.
Isheke elikhishwe ofake imali elingakethulwa ukuze likhokhwe noma likhokhelwe yibhange lomfaki-mali.
Uma inani lemali ekhishwe ku-akhawunti yasebhange likhulu kunesamba esitholakala ngempela ku-akhawunti, imali engaphezulu ibizwa ngokuthi i-overdraft futhi i-akhawunti kuthiwa idonswe ngaphezulu. Bheka wethu umhlahlandlela we-overdraft yasebhange.
Bhala isheke lenani elikhulu kunemali efakwe ku-akhawunti.
I-akhawunti yekhredithi evulekile lapho umkhawulo wedola owabelwe weqiwe khona.
Incwadi ewuhlobo lweleja evamile lapho zonke izimali ezifakwayo, ukuhoxiswa kwemali kanye nemali etholwayo ku-akhawunti yokonga yekhasimende kubhalwa khona.
Noma yiliphi inothi noma elinye ithuluzi lesikweletu lesikhashana elingakakhokhwa ngosuku lomnqamulajuqu.
Imali mboleko yesikhathi esifushane yemali encane umboleki avuma ukuyibuyisela emalini ekhokhwayo noma ediphozithini yezimali. Izimalimboleko zosuku lokukhokha ziyizinhlobo ezikhethekile zemalimboleko
Idethi okufanele ikhokhwe ngayo imali mboleko noma isitolimende. Ihlelwe yisikhungo sezezimali. Noma iyiphi inkokhelo etholwe ngemva kwalolu suku ibhekwa njengephuzile; izimali nezinhlawulo zingahlolwa.
Isitatimende esisemthethweni esilungiswayo lapho kucatshangelwa ukukhokhwa kwemali mboleko. Ibonisa isimo samanje se-akhawunti yemalimboleko, wonke amanani akweletwayo kanye nezinga lenzalo lansuku zonke.
Izinga lenzalo elichazwe ngokuhlobene nethemu elithile. Isibonelo isilinganiso sanyanga zonke sezindleko zekhredithi ngenyanga; isilinganiso sezikhathi zansuku zonke yizindleko zekhredithi ngosuku.
Isifinyezo senkokhelo siyakhiqizwa futhi sithunyelwe ngezikhathi ezithile, ngokuvamile nyanga zonke.
Ngokuvamile inombolo enezinhlamvu ezine noma igama, iphinikhodi iyikhodi eyimfihlo enikezwa abanikazi bekhadi lesikweletu noma lasebhange ukuze bafinyelele i-akhawunti yabo. Ikhodi inikezwa ibhange ngokungahleliwe noma ikhethwe yikhasimende. Kuhloswe ngayo ukuvimbela ukusetshenziswa okungagunyaziwe kwekhadi lapho ufinyelela esikhumulweni senkonzo yezezimali.
Umsebenzi wokuqola umnikazi we-akhawunti eku-inthanethi wolwazi lwezezimali ngokuzenza ibhizinisi elisemthethweni.
Ithuluzi elibhaliwe eligunyaza umuntu oyedwa ukuthi asebenze njenge-ejenti yomunye. Amandla ommeli angaba awesenzo esinembayo nesiqondile, noma abe yimvelo evamile. Imigomo yamandla abhaliwe ommeli ingase icacise usuku lokuphelelwa yisikhathi. Uma kungenjalo, amandla ommeli ngokuvamile aphelelwa yisikhathi lapho kushona umuntu owanikayo.
Ezinye izikhungo zidinga ukuthi usebenzise amafomu ebhange lamandla ommeli. Ibhange lingabiza lokhu ngamandla aqinile ommeli: uthishanhloko unikeza amalungelo athile kumenzeli.
Uhlelo olusungulwe ngesivumelwano esibhaliwe lapho isikhungo sezezimali sigunyazwe ikhasimende ukuthi lidonse imali ku-akhawunti yekhasimende ukuze likhokhe izikweletu noma lenze izinkokhelo zemalimboleko.
Ukukhokhwa kwesikweletu ngaphambi kokuthi sikhokhelwe.
Isigaba somthetho esikweletini esivumela lowo obambisene naye ukuthi akhokhe esinye noma sonke isikweletu esisilele ngaphambi kokuba sifike.
Inhlawulo ebekwe komboleki ngokukhokha imali ebolekiwe ngaphambi kosuku olunqunyiwe. Endabeni ye-mortgage, lokhu kusebenza uma singekho isigatshana sokukhokha kusengaphambili emalini ye-mortgage yokunciphisa inhlawulo.
Ibhalansi ye-akhawunti yomnikazi wekhadi njengesitatimende sokukhokha sangaphambilini.
Ibhalansi esele yemali mboleko, ingafaki inzalo nezinkokhelo.
Ukukhulula izindlu ezithengiswayo emalini ebolekiwe. Bona umbuzo ohlobene mayelana nokukhululwa kwelungelo.
Indlela yokwelula isikweletu esisele lapho ibhalansi yemalimboleko esele yomboleki igingqika (igoqwe) emalinimboleko entsha ekuqaleni kwesikhathi esilandelayo sokuxhasa.
Inzalo eqhubeka inqwabelana kubhalansi yekhadi lakho lesikweletu kusukela ngedethi yomjikelezo wesitatimende kuze kube yilapho ibhange lithola inkokhelo yakho.
Isibonelo, uma idethi yomjikelezo wesitatimende sakho bekunguJanuwari 10 futhi ibhange lathola inkokhelo yakho ngoJanuwari 20, bekunezinsuku eziyishumi okwanqwabelana ngazo inzalo. Leli nani lizovela esitatimendeni sakho esilandelayo.
Ithuluzi okungaxoxiswana ngalo—ikakhulukazi isheke—elithunyelwe ebhange ukuze liqoqwe futhi likhokhwe futhi elibuyiswa lingakhokhelwanga yibhange elikhiphile.
I-reverse mortgage umkhiqizo okhethekile wemalimboleko yendlu ovumela umninikhaya oneminyaka engama-62 noma ngaphezulu ukuthi afinyelele ukulingana okwakhelwe ekhaya. Indlu ngokwayo iyoba umthombo wembuyiselo.
Imali mboleko ithathwa ngokusekelwe enanini lesibambiso (indlu) kanye neminyaka elindelekile yokuphila yomboleki. Imalimboleko kufanele ikhokhwe lapho ushona, uthengisa umuzi wakho noma ungasahlali khona njengendawo yakho yokuhlala eyinhloko. Bona imibuzo ehlobene kuma-mortgages ahlehlayo.
Isivumelwano sesikweletu (ngokuvamile ikhadi lesikweletu) esivumela ikhasimende ukuthi liboleke ngomugqa ogunyazwe kusengaphambili wekhredithi lapho lithenga izimpahla namasevisi. Umboleki ukhokhiswa kuphela inani elibolekiwe kanye nenzalo efunekayo. Ebizwa nangokuthi i-akhawunti yenkokhelo noma ikhredithi evulekile.
Sebenzisa le khodi yephromo: argent2035
Kuyilungelo elingokomthetho lamabhange ukuthi ashaqe izimali ummeli noma okweletayo angase abe nazo ediphozini ukuze akhokhe imali ebolekiwe engakhokhi.
KuyiLungelo lokunqamula, zingakapheli izinsuku ezintathu zokusebenza, inkontileka esebenzisa umuzi womuntu njengesibambiso, ngaphandle kwasesimeni semalimboleko yokuqala yendlu. Azikho izinkokhelo zomboleki, othola imbuyiselo ephelele yazo zonke izimali ezikhokhiwe. Kuphephile
Idokhumenti ekhishwe yi-mortgage (umbolekisi) lapho isibambiso sendlu sikhokhelwa ngokugcwele.
Izimali ezikhokhwayo zihlolwa isikhungo esithatha idiphozi ukuze kucutshungulwe ukuthengiselana nokugcina ama-akhawunti.
Ikhadi elisayinwe yiwo wonke umuntu ofake imali kanye nekhasimende lasebhange elingasetshenziswa njengendlela yokuhlonza. Ikhadi lesiginesha limelela inkontileka phakathi kwebhange nomuntu ofake idiphozi.
Imalimboleko eyenziwe, efakwe umshwalense noma eqinisekisiwe ngaphansi kwanoma yiluphi uhlelo olugunyazwe uMthetho Wezemfundo Ephakeme. Izimali ezibolekiwe zisetshenziswa ngumboleki ngezinjongo zemfundo.
Isheke elishintshayo liyikhophi eqinile yangaphambili nangemuva yesheke lokuqala. Isheke elishintshayo likhulu kancane kunesheke lomuntu siqu elijwayelekile ukuze likwazi ukubamba isithombe sesheke lakho langempela.
Ngokusemthethweni iyafana nesheke lokuqala uma limelela ngokunembile ulwazi lwesheke lokuqala futhi lihlanganisa isitatimende esilandelayo. Isheke elingena esikhundleni kumele libe selicutshungulwe yibhange.
Isikhathi nezinga lenzalo okuvunyelenwe ngalo phakathi komkweleti nomkweleti ukubuyisela imali mboleko.
Idiphozi yesikhathi esenziwe into okungaxoxiswana ngayo noma okungaxoxiswana ngayo ecacisa inani nokuvuthwa.
Idiphozi yesikhathi (eyaziwa nangokuthi idiphozi yesikhathi) iyidiphozithi yemali ebhange engakwazi ukukhishwa "isikhathi" esithile noma isikhathi esithile.
Lapho igunya seliqediwe, lingahoxiswa noma ligcinwe elinye igunya. Uma ubude besikhathi buqhubeka, iba ngcono inzuzo yemali. Njengomthetho ojwayelekile, ukuhoxiswa kwangaphambi kwesikhathi kunezijeziso ezibalulekile.
Itemu elivamile elihlanganisa zonke izinhlobo zama-akhawunti kusevisi ye-fiduciary, njengezindawo, abagadi nama-ejensi.
Umuntu noma isikhungo esiphethe ama-akhawunti e-trust.
Ukukhokhisa inzalo ephezulu ngokungemthetho emalini ebolekiwe.
Ababolekisi bezinga lenzalo eliphezulu bangakhokhisa ababolekayo. Izinga lokugqokwa livamise ukubekwa ngumthetho wezwe.
Noma isiphi isilinganiso senzalo noma i-dividend eshintsha ngezikhathi ezithile.
Sishiyele amazwana
Isamba sokubheja samagoli sisetshenziswa kakhulu yibo bobabili abadlali aba… Funda kabanzi
Indlela ukugembula amakhadi at 1xbet? Ukubheja kubadlali bebhola ukuze babhukhe... Funda kabanzi
Ngisanda kwenza i-akhawunti yami yezemidlalo ye-Parions futhi ngihlomule ngebhonasi yezemidlalo ye-Parions.… Funda kabanzi
Ingabe ucabanga ukubheja emakhoneni kukubheja kwakho okulandelayo kwezemidlalo? Ivuliwe... Funda kabanzi