Ijagoni yasebhange: yonke imiqondo ebalulekile

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

Isivumelwano Se-akhawunti

Kuyinkontileka elawula i-akhawunti yakho yekhredithi evulekile. Inikeza ulwazi ngezinguquko ezingase zenzeke ku-akhawunti.

Umlando we-akhawunti

Lona umlando wokukhokha we-akhawunti phakathi nenkathi ethile yesikhathi, okuhlanganisa nenani lezikhathi i-akhawunti edlulile ngayo ukukhokha noma ngaphezu komkhawulo.

Umnikazi we-akhawunti

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.

Izithakazelo ezikhulayo

Lena inzalo ezuziwe kodwa engakakhokhwa.

Ukubolekwa Kwesilinganiso Esiguquguqukayo

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.

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.

Isenzo esibi

Ukwenqaba kombolekisi ukunikeza isikweletu ngaphansi kwemibandela eceliwe, ukunqanyulwa kwe-akhawunti ekhona noma ukuguqulwa okungekuhle kwe-akhawunti ekhona.

Isaziso Sesenzo Esibi

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.

Ukushintsha

Yinoma yiluphi ushintsho oluhilela ukusula noma ukubhala kabusha idethi, inani noma okhokhelwayo wesheke noma enye into okungaxoxiswana ngayo.

I-Amortization

Kuwuhlelo lokunciphisa isikweletu ngokufakwa njalo kwezitolimende zikathishanhloko kanye nenzalo ezoholela ekukhokhweni kwemali mboleko lapho kufanele.

Isilinganiso samaphesenti sonyaka

Kuyizindleko zesikweletu njalo ngonyaka, ezivezwa njengephesenti.

Iphesenti lembuyiselo yonyaka

Izinga lephesenti elibonisa isamba senani lenzalo ekhokhiwe ku-akhawunti yediphozi ngokususelwe esilinganisweni senzalo nemvamisa ehlanganisayo yonyaka wezinsuku ezingama-365.

nokuhlola

Isenzo sokuhlola kanye nokulungisa inani lesakhiwo esithile noma izindlu ezithengiswayo.

Ukugunyazwa

Ukukhishwa kwesigunyazo ngumkhiphi we ikhadi lesikweletu, umthengisi noma enye inkampani ephethwe, ukuze aqedele umsebenzi wekhadi lesikweletu.

I-Automated Clearing House (ACH)

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.

Umshini wokukhipha imali ozenzakalelayo (ATM)

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.

Inkokhelo yebhili ezenzakalelayo

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).

usuku lokutholakala

Inqubomgomo yebhange mayelana nokuthi imali efakwe ku-akhawunti izotholakala nini ukuze ikhishwe.

Ibhalansi iyatholakala

Ibhalansi ye-akhawunti ngaphansi kwanoma yikuphi okubanjiwe, izimali ezingaqoqiwe, nemikhawulo ku-akhawunti.

Ikhredithi iyatholakala

Ungumehluko phakathi komkhawulo wesikweletu onikezwe i-akhawunti yomnikazi wekhadi kanye nebhalansi ye-akhawunti yamanje.

Ukudluliswa kwebhalansi

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.

ibhange eligcina imali

Umnakekeli webhange unesibopho sokugcina ukuphepha kwezimpahla zeklayenti ezigcinwe kwenye yezakhiwo zomgcini, indawo yomgcini ongaphansi noma umnakekeli wangaphandle.

Ukubuyekezwa kwebhange

Ukubuyekezwa kwezimpahla zebhange, imali engenayo nezindleko. Lo msebenzi uhlose ukuqinisekisa ukuthi ibhange liyancibilika futhi lisebenza ngokuhambisana nemithetho yamabhange kanye nezimiso zamabhange eziphusile.

Isitatimende sase bhange

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.

usuku lokubhanga

Wusuku lwebhizinisi lapho ihhovisi lasebhange livulekele umphakathi cishe kuyo yonke imisebenzi yalo yamabhange.

Ukuqothuka

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.

Ukuqothuka

Inqubo yomthetho lapho izindaba zomuntu otshonkile zinikezwa umphathiswa noma umamukeli ukuze aphathwe ngaphansi kwemithetho yokuqothuka. Kunezinhlobo ezimbili zokuqothuka:

• Ukuqothuka ngokuzenzakalelayo - oyedwa noma ngaphezulu umkweleti omkweletayo ongenamali ufaka isicelo sokuthi lowo okweletayo kuthiwe ubhuntshile.
• Ukuqothuka ngokuzithandela - umkweletu ufaka isicelo esiqinisekisa ukuthi akakwazi ukufeza izibopho zakhe zezimali kanye nesifiso sakhe sokuba kuthiwe uphelelwe imali.

Umzuzi

Umuntu onegunya lokuthola izinzuzo noma inzuzo yefa, ithrasti, umshwalense, uhlelo lwempesheni, impesheni noma enye inkontileka.

Umjikelezo wokukhokha

Isikhathi esiphakathi kwamadethi okukhishwa ngawo izitatimende zezikhathi ezijwayelekile.

Idethi yokukhokha

Inyanga, idethi kanye nonyaka wokukhiqizwa kwesitatimende sezikhathi ezithile noma sanyanga zonke. Izibalo zenziwe zenkokhiso efanele yezezimali, ubuncane benkokhelo okufanele ikhokhwe kanye nebhalansi entsha.

Iphutha lokukhokha

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.

Usuku lwebhizinisi

Noma yiluphi usuku lapho amahhovisi ebhange evulekele umphakathi ukuthi uqhube kakhulu yonke imisebenzi yebhange.

Isheke elikhanseliwe

Isheke ibhange elilikhokhile, lidonse imali ku-akhawunti yomnikazi we-akhawunti, bese liyagunyaza. Uma seliqediwe, isheke alisaxoxiswana ngalo.

Isheke lasebhange

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 Yokumisa Futhi Yeka

Incwadi ecela ukuba inkampani imise umsebenzi oshiwo encwadini.

Isitifiketi sediphozithi

Ithuluzi okungaxoxiswana ngalo elikhishwe ibhange lishintshanisa imali, ngokuvamile enenzalo, efakwa ebhange. Bheka lo mhlahlandlela ukuze ufunde konke mayelana izitifiketi zediphozithi.

Isitifiketi sokukhishwa

Isitifiketi esisayinwe ngumbolekisi esisho ukuthi imali yokuthenga indlu isikhokhelwe ngokugcwele futhi zonke izikweletu seziqediwe. Kwaziwa nangokuthi ukukhululwa kwe-lien.

Isheke eliqinisekisiwe

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.

hlola

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.

Hlola ukunqanyulwa

Ukuguqulwa kwedatha yesheke ibe yisithombe se-elekthronikhi ngemva kokufakwa kwesheke ohlelweni lokucubungula. Ukwehliswa kwesheke kuqeda isidingo sokubuyisela amasheke akhanseliwe kumakhasimende.

I akhawunti yamanje

I-akhawunti yediphozithi yokufunwa ngaphansi kokuhoxiswa kwezimali ngesheke. Bheka lo mhlahlandlela I-akhawunti Yamanje Yasebhange - Incazelo, Izinzuzo kanye Nobubi

I-ChexSystems

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.

Ukuvalwa kwemali mboleko yezindlu

Ukuqedwa komsebenzi wenkontileka wezindlu ezithengiswayo lapho wonke amadokhumenti afanelekile asayinwa khona bese imali yemali mboleko ikhishwa ngumbolekisi.

Izindleko zokuvala

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.

Isibambiso

Izimpahla ezinikezwa ukuvikela imalimboleko noma esinye isikweletu. Isibonelo, uma uthola isikweletu sendlu, isibambiso sebhange ngokuvamile yindlu yakho. Isibambiso siyabanjwa uma kwenzeka iphutha.

I-ejensi yokubuyisela

Inkampani esebenzisana nombolekisi ukuze aqoqe isikweletu sakhe. Abakweletwayo ngokuvamile baqasha i-ejensi yokuqoqa kuphela ngemva kokuba benze imizamo yokuqoqa isikweletu ngokwabo.

Izimali zokutshala izimali ezihlangene

I-Mutual Fund yi-trust eyakhiwe futhi ilawulwa yibhange noma inkampani ye-trust ehlanganisa izimpahla zamaklayenti amaningi.

Osayina kanye naye

Umuntu wemvelo osayina inothi lomunye umuntu ukuze asekele ikhredithi yomuntu osayinayo oyinhloko futhi uba nesibopho sesibopho.

Isicelo sekhredithi

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.

Umkhiphi wekhadi lesikweletu

Noma yisiphi isikhungo sezezimali esinikeza amakhadi asebhange labo abawacelayo.

Umshwalense wesikweletu sokukhubazeka

Iwuhlobo lomshwalense olukhokha imali ebolekiwe uma ugula noma ulimele futhi ungakwazi ukusebenza. Waziwa nangokuthi umshwalense wezingozi kanye nomshuwalense wezempilo.

Umshwalense wempilo yesikweletu

Uhlobo lomshwalense wempilo olusiza ekukhokheleni imali mboleko uma ushona ngaphambi kokuthi imali mboleko isikhokhelwe ngokugcwele. Lokhu kuyikhava ozikhethela yona.

Umkhawulo wesikweletu

Inani eliphezulu lesikweletu elitholakala ekhadini lesikweletu noma omunye umugqa wesikweletu.

Umbiko wesikweletu

Umbiko oningiliziwe womlando wezikweletu womuntu olungiswe yi-credit bureau futhi osetshenziswa umbolekisi ukuze anqume ukufaneleka kwekhredithi komfakisicelo wemalimboleko.

I-ejensi yokubika ngesikweletu

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 esilinganiselwe

Isikhathi sosuku esisungulwe yibhange ukuthola amadiphozithi. Ngemuva kwesikhathi esinqunyiwe, amadiphozithi abhekwa njengemukelwe ngosuku olulandelayo lwebhizinisi.

Imali edonswayo

Idebithi ingaba i-akhawunti efakwayo emelela imali oyikweletayo umebolekisi noma imali ethathwe ku-akhawunti yakho yediphozi.

I-debit card

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.

Umkweleti

Umuntu okweleta elinye iqembu imali.

I-Debt-to-income ratio (DTI)

Iphesenti lesamba semali engenayo yanyanga zonke yomthengi esetshenziselwa ukukhokha izikweletu. Ngokuvamile, ukuphakama kwesilinganiso, kuyanda ubungozi obubonakalayo. Izimalimboleko eziyingozi kakhulu ngokuvamile zinenani lenzalo ephezulu.

Inkokhelo ehlehlisiwe

Yinkokhelo ehlehliselwe usuku olukamuva.

Ukuhanjiswa kwesicelo

Idiphozithi yezimali engahoxiswa ngaphandle kwesaziso.

Isiliphu sediphozithi

Imemorandamu enemininingwane yemali nezinye izimali ikhasimende eliziletha ebhange ukuze lifake i-akhawunti yalo.

Ulwazi oludelelayo

Idatha etholwe umbolekisi ebonisa ukuthi umfakisicelo akazange akhokhe ama-akhawunti nabanye ababolekisi njengoba kudingeka.

Idiphozithi eqondile

Inkokhelo ifakwe nge-elekthronikhi ku-akhawunti yomuntu ngamunye esikhungweni esithatha idiphozi.

Ingxabano eqondile

Ingxabano ethunyelwe ngokuqondile kumhlinzeki mayelana nokunemba kolwazi oluqukethwe embikweni wakho womthengi mayelana ne-akhawunti noma obunye ubudlelwano onabo nomhlinzeki.

Ukungahlelekile

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.

Idwetshiwe

Umuntu (noma ibhange) okufanele akhokhe isheke noma okusalungiswa lapho ethulwa ukuze akhokhe.

Ibhange likaDrawee

Ibhange okukhishwa kulo isheke.

Uhlelo lwamabhange nge-elekthronikhi

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 kwamasheke kagesi

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.

I-Electronic Fund Transfer (EFT)

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.

I-Détournement de fonds

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.

Ukubhala ngekhodi

Inqubo esetshenziselwa ukuphrinta noma ukubhala izinhlamvu kazibuthe kumasheke, amadiphozithi namanye amathuluzi ezezimali.

Ukulungiswa kwephutha

Inqubo edingekayo ukuze kuxazululwe amaphutha ahilela ukudluliselwa nge-elekthronikhi ukuya nokubuya kuma-akhawunti ediphozi.

I-Escrow

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.

Ukuhlaziywa kwe-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.

Isikhwama se-Escrow

Izimali ezigcinwe yinkampani ebolekayo ukuze zikhokhe izintela, umshwalense nezinye izinto ezihlobene nezikweletu zezindlu lapho kufanele.

I-akhawunti yefa

I-akhawunti esegameni lomufi futhi ephethwe umabi wefa noma umqondisi wefa.

Umphathiswa

Ukuzimisela ukusebenza njengomabi wefa, umlawuli, umnakekeli, umnakekeli noma umphathiswa wethrasti yomndeni, i-trust egunyaziwe noma i-testamentary trust, noma umamukeli noma umphathiswa wokuqothuka.

Imali ekhokhwayo

Isamba sezindleko zesikweletu ikhasimende okufanele lizikhokhe emalimboleko yomthengi, okuhlanganisa nenzalo.

I-Ejensi Elawula Izimali

Inhlangano egunyazwe ngumthetho ukuqinisekisa ukusebenza okuphephile nokuzwakalayo kwezikhungo zezimali ezinelayisensi.

Imali mboleko yesilinganiso esingaguquki

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 yesilinganiso esingaguquki

I-mortgage izinkokhelo zayo ezingashintshi impilo yonke yemali mboleko ngoba izinga lenzalo neminye imibandela imisiwe futhi ayishintshi.

Izimali zokuthengiselana zangaphandle

Izimali ezikhokhwa ibhange lakho ngokwenza umsebenzi kuma-ATM welinye ibhange.

Isheke elingumgunyathi

Isheke lapho isiginesha yekhabethe lenziwe ngomgunyathi. Bona imibuzo ehlobene maqondana nokwenza mbumbulu.

Ukuqamba amanga

Isiginesha yomgunyathi noma ukuguqulwa kwegama lomunye entweni efana netayitela, imali ebolekiwe noma isheke. Inhloso yokwephulwa komthetho ukukhohlisa noma ukukhwabanisa.

I-akhawunti imisiwe

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.

Ukubhoboza/Ukuqopha

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.

isiqinisekiso

Iqembu elivuma ukuba nesibopho sokukhokha izikweletu zomunye umuntu uma kwenzeka lelo qembu lihluleka ukukhokha.

Umugqa wokulingana wasekhaya wesikweletu

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.

I-Home Equity Loan

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.

I-akhawunti engasebenzi

Lena i-akhawunti enomsebenzi omncane noma ongenawo nhlobo; akukho okufakiwe noma ukuhoxiswa okurekhodiwe ku-akhawunti isikhathi esibalulekile.

Isitifiketi esinenkomba sediphozithi

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 yomuntu ngamunye

I-akhawunti esegameni lomuntu.

I-akhawunti yomuntu ngamunye yomhlalaphansi

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

Imali enganele

Uma ibhalansi yamanje ye-akhawunti yomgcinisimali inganele ukukhokha isheke elethulwa inkokhelo.

Umshwalense (Ingozi)

Umshwalense wokuvikela umnikazi nomamboleki ekulimaleni okuphathekayo kwesakhiwo okuvela emithonjeni efana nomlilo, umoya noma ukucekelwa phansi.

I-akhawunti ehlangene

I-akhawunti ephethwe abantu ababili noma ngaphezulu. Noma iyiphi inhlangano ingase isebenze ngokuhlukile noma ndawonye ngokuvumelana nesivumelwano se-akhawunti yediphozi.

I-Kite

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.

Izimali ezikhokhwa emva kwesikhathi

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.

Umbolekisi

Umuntu noma isikhungo sezimali esiboleka imali silindele ukuthi imali izobuyiselwa nenzalo.

Ilungelo

Isinyathelo somthetho ngokumelene nesakhiwo. Uma indawo isidayisiwe, umnikazi wemalimboleko ube esekhokhelwa inani elikweletwayo.

Umugqa wesikweletu

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 semalimboleko

Isivumelwano esibhaliwe phakathi komboleki kanye nomabolekisi lapho kubekwa khona imigomo nemibandela yemali mboleko.

Izimali zemalimboleko

Izimali ezikhokhiswa umabolekisi ukuze enze imali ebolekiwe (ngaphezu kwenzalo ekhokhiswa obolekayo).

Ukunikezwa kokuguqulwa kwemali mboleko

Isivumelwano senkontileka emalimboleko esivumela umeboleki noma umbolekisi ukuthi aguqule unomphela umgomo owodwa noma eminingi yenkontileka yokuqala. Bona umbuzo ohlobene ngosizo lwe-mortgage.

Imali mboleko

Isamba senani lezimali isikhungo esibolekisayo esisikhiphayo ngaphansi kwemali mboleko bese sikweleta umboleki.

Ukuvuthwa

Idethi okufanele ikhokhwe ngayo ibhalansi eyinhloko yemali mboleko, ibhondi noma elinye ithuluzi lezezimali.

Ibhalansi encane

Inani lemali okufanele lifakwe ku-akhawunti ukuze ofake imali afanelekele izinkonzo ezikhethekile noma ukuhoxiswa kwezimali zesevisi.

Inkokhelo encane

Inani elincane okufanele likhokhwe inyanga ngayinye ngemalimboleko, umugqa wesikweletu noma esinye isikweletu.

Inkokhelo engekho

Inkokhelo eyenziwe kodwa engafakwanga ku-akhawunti efanele.

I-akhawunti yediphozithi ye-Money Market

I-akhawunti yokulondoloza enikeza izinga lenzalo eliphezulu ngokushintshanisa amadiphozithi amakhulu kunejwayelekile. Funda konke mayelana ama-akhawunti emakethe yemali.

Imali yemakethe 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.

I-Mortgage

Ithuluzi lesikweletu elisetshenziswa ekwenziweni kwezindlu nemizi lapho indawo iyisibambiso semali mboleko. I-mortgage inikeza umebolekisi ilungelo lokuthatha indawo uma umboleki ehluleka ukuboleka imali.

I-Mortgage

Imali ebolekiwe enikezwa umamboleki ukuze kuxhaswe izindlu nomhlaba. Izindlu zokubolekwa kwezindlu: yini okufanele ukwazi ngalezi zindlela zezimali?

Umbolekisi wezindlu

Umbolekisi osebudlelwaneni be-mortgage.

Mortgagor

Umboleki osebudlelwaneni be-mortgage. Indawo isetshenziswa njengesibambiso ukwenza inkokhelo.

Isikhwama sokubambisana

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 Elisemthethweni

Isheke elidwetshwa ebhange lasayinwa isikhulu sasebhange esigunyaziwe. (Futhi kwaziwa ngokuthi isheke le-cashier.)

Ukubhanga ku-inthanethi

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.

Imalimboleko engapheli

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 elidlulelwe yisikhathi

Isheke elikhishwe ofake imali elingakethulwa ukuze likhokhwe noma likhokhelwe yibhange lomfaki-mali.

I-Overdraft

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.

Kuyadlula

Bhala isheke lenani elikhulu kunemali efakwe ku-akhawunti.

Umkhawulo weqiwe

I-akhawunti yekhredithi evulekile lapho umkhawulo wedola owabelwe weqiwe khona.

Incwajana

Incwadi ewuhlobo lweleja evamile lapho zonke izimali ezifakwayo, ukuhoxiswa kwemali kanye nemali etholwayo ku-akhawunti yokonga yekhasimende kubhalwa khona.

Into Edlulelwe yisikhathi

Noma yiliphi inothi noma elinye ithuluzi lesikweletu lesikhashana elingakakhokhwa ngosuku lomnqamulajuqu.

Imali mboleko yosuku lokukhokha

Imali mboleko yesikhathi esifushane yemali encane umboleki avuma ukuyibuyisela emalini ekhokhwayo noma ediphozithini yezimali. Izimalimboleko zosuku lokukhokha ziyizinhlobo ezikhethekile zemalimboleko

Umnqamulajuqu wokukhokha

Idethi okufanele ikhokhwe ngayo imali mboleko noma isitolimende. Ihlelwe yisikhungo sezezimali. Noma iyiphi inkokhelo etholwe ngemva kwalolu suku ibhekwa njengephuzile; izimali nezinhlawulo zingahlolwa.

Isimemezelo senkokhelo

Isitatimende esisemthethweni esilungiswayo lapho kucatshangelwa ukukhokhwa kwemali mboleko. Ibonisa isimo samanje se-akhawunti yemalimboleko, wonke amanani akweletwayo kanye nezinga lenzalo lansuku zonke.

Izinga lezikhathi

Izinga lenzalo elichazwe ngokuhlobene nethemu elithile. Isibonelo isilinganiso sanyanga zonke sezindleko zekhredithi ngenyanga; isilinganiso sezikhathi zansuku zonke yizindleko zekhredithi ngosuku.

Isimemezelo sezikhathi ezithile

Isifinyezo senkokhelo siyakhiqizwa futhi sithunyelwe ngezikhathi ezithile, ngokuvamile nyanga zonke.

Inombolo kamazisi yomuntu siqu (i-PIN)

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.

bokweba imininingwane ebucayi

Umsebenzi wokuqola umnikazi we-akhawunti eku-inthanethi wolwazi lwezezimali ngokuzenza ibhizinisi elisemthethweni.

Ummeleli

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.

Inkokhelo egunyazwe ngaphambilini

Uhlelo olusungulwe ngesivumelwano esibhaliwe lapho isikhungo sezezimali sigunyazwe ikhasimende ukuthi lidonse imali ku-akhawunti yekhasimende ukuze likhokhe izikweletu noma lenze izinkokhelo zemalimboleko.

Ukukhokha kusengaphambili

Ukukhokhwa kwesikweletu ngaphambi kokuthi sikhokhelwe.

isigatshana sokukhokha kusengaphambili

Isigaba somthetho esikweletini esivumela lowo obambisene naye ukuthi akhokhe esinye noma sonke isikweletu esisilele ngaphambi kokuba sifike.

Inhlawulo yokukhokha kusengaphambili

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 yangaphambilini

Ibhalansi ye-akhawunti yomnikazi wekhadi njengesitatimende sokukhokha sangaphambilini.

Ibhalansi eyinhloko

Ibhalansi esele yemali mboleko, ingafaki inzalo nezinkokhelo.

Ukukhululwa kwelungelo

Ukukhulula izindlu ezithengiswayo emalini ebolekiwe. Bona umbuzo ohlobene mayelana nokukhululwa kwelungelo.

Ukuvuselelwa kabusha

Indlela yokwelula isikweletu esisele lapho ibhalansi yemalimboleko esele yomboleki igingqika (igoqwe) emalinimboleko entsha ekuqaleni kwesikhathi esilandelayo sokuxhasa.

Inzalo eyinsalela

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.

Buyisa into

Ithuluzi okungaxoxiswana ngalo—ikakhulukazi isheke—elithunyelwe ebhange ukuze liqoqwe futhi likhokhwe futhi elibuyiswa lingakhokhelwanga yibhange elikhiphile.

I-Reverse Mortgage

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.

Ikhredithi ejikelezayo

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.

Ilungelo lokuqalisa

Kuyilungelo elingokomthetho lamabhange ukuthi ashaqe izimali ummeli noma okweletayo angase abe nazo ediphozini ukuze akhokhe imali ebolekiwe engakhokhi.

Ilungelo lokuhoxisa

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

Ukwaneliseka kwe-Mortgage

Idokhumenti ekhishwe yi-mortgage (umbolekisi) lapho isibambiso sendlu sikhokhelwa ngokugcwele.

Imali yesevisi

Izimali ezikhokhwayo zihlolwa isikhungo esithatha idiphozi ukuze kucutshungulwe ukuthengiselana nokugcina ama-akhawunti.

ikhadi lesiginesha

Ikhadi elisayinwe yiwo wonke umuntu ofake imali kanye nekhasimende lasebhange elingasetshenziswa njengendlela yokuhlonza. Ikhadi lesiginesha limelela inkontileka phakathi kwebhange nomuntu ofake idiphozi.

Imali mboleko yabafundi

Imalimboleko eyenziwe, efakwe umshwalense noma eqinisekisiwe ngaphansi kwanoma yiluphi uhlelo olugunyazwe uMthetho Wezemfundo Ephakeme. Izimali ezibolekiwe zisetshenziswa ngumboleki ngezinjongo zemfundo.

Ukulawula esikhundleni

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.

Imigomo

Isikhathi nezinga lenzalo okuvunyelenwe ngalo phakathi komkweleti nomkweleti ukubuyisela imali mboleko.

Isitifiketi Sesikhathi Sediphozithi

Idiphozi yesikhathi esenziwe into okungaxoxiswana ngayo noma okungaxoxiswana ngayo ecacisa inani nokuvuthwa.

Idiphozi yesikhathi

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.

Themba i-akhawunti

Itemu elivamile elihlanganisa zonke izinhlobo zama-akhawunti kusevisi ye-fiduciary, njengezindawo, abagadi nama-ejensi.

trust administrator

Umuntu noma isikhungo esiphethe ama-akhawunti e-trust.

Gqoka

Ukukhokhisa inzalo ephezulu ngokungemthetho emalini ebolekiwe.

Izinga lokugqoka

Ababolekisi bezinga lenzalo eliphezulu bangakhokhisa ababolekayo. Izinga lokugqokwa livamise ukubekwa ngumthetho wezwe.

Izinga elintantayo

Noma isiphi isilinganiso senzalo noma i-dividend eshintsha ngezikhathi ezithile.

Sishiyele amazwana