Konke mayelana namasheke e-NSF

Amasheke ayindlela yokukhokha esetshenziswa kancane futhi kancane, kodwa asasebenza. Amasheke amaphepha abizwa ngokuthi amatayitela ahlanganisa inani elithile lemali. Kungaba amasheke asebhange, amasheke omuntu siqu, amasheke aqinisekisiwe, njll. Kunokuziphatha okujeziswayo lapho amadokhumenti ashiwo edwetshwa ngaphandle kwezimali, kokubili ngomthetho wezohwebo nomthetho wobugebengu, nezijeziso ezifika futhi ezihlanganisa nesikhathi sasejele. Kulesi sihloko, ngiyakutshela konke mayelana nesheke elibi.

Kodwa ngaphambi kokuthi siqale, funda kabanzi mayelana ne-banking jargon.

🌾 Liyini isheke le-NSF?

Ngokukhipha isheke egameni lomuntu othile, umnika ilungelo lokukhipha imali ku-akhawunti yakho yasebhange ngaphandle kokudinga ukuba khona kwakho. Uma ngesikhathi esifanayo, ungenayo imali ku-akhawunti yakho yokuthethelela inani elibhalwe kudokhumenti, kusho ukuthi isheke le-NSF.

Ngakho-ke, isheke le-NSF liyiphepha elingenamsebenzi. Isheke lingaphelelwa yimali ngezizathu ezahlukahlukene.

Noma ngokungaqondile : umnikazi we-akhawunti ubhale isheke elingalungile, ngaphambi kokuthola inkokhelo noma engazi ukuthi i-akhawunti ayikwazanga ukumboza inani eliphelele. Kunezimo ezimbalwa lapho ungase ukholelwe ngokunengqondo ukuthi unayo imali etholakalayo:

• Inkokhelo obuyilindele (njengediphozi eqondile evela emsebenzini wakho) ayikakafinyeleli ku-akhawunti yakho.
• Idiphozithi noma inkokhelo ayikakakhishelwa ku-akhawunti yakho.
• Ukuthenga ngeyakho I-debit card udale ukubanjwa kwe-akhawunti yakho (mhlawumbe okungaphezu kwalokho owusebenzisile).
• Kukhona owafaka isheke owalibhala kudala kodwa wakhohlwa.

Noma ngokuzithandela : Kwesinye isikhathi kuba ngamabomu. Uyazi ukuthi awunamali, kodwa ubhala isheke noma kunjalo (okuwumbono omubi).

🌾 Kuthiwani uma sibhekene nesheke le-NSF?

Amasheke e-NSF angakubiza imali ongenayo. Ngokuvamile ukhokha inkokhelo kumuntu ombhalele isheke (imvamisa cishe u-$25). Lokhu kuziphatha kungabangela lelo bhizinisi noma inhlangano ukuthi yenqabe ukwamukela amasheke akho ngokuzayo.

Ibhange lakho liphinde likhokhise imali yamasheke e-NSF. Babuyisela isheke ebhizinisini elingakhokhelwa futhi bakukhokhise imali yesheke ye-NSF. Eyaziwa nangokuthi inkokhelo yemali enganele, le nkokhelo ivamise ukuba ngu-$35. Ngincoma ukuthi ufunde lesi sihloko ukuqonda kangcono izindleko zezimali ezinganele.

Ibhange lakho lingase linqume ukukhokha isheke "njengenhlonipho" futhi likhokhise imali ye-overdraft (futhi, ngokuvamile engaba ngu-$35, noma lingakubiza ngokuthi yimalimboleko futhi likukhokhise inzalo). Funda kabanzi mayelana nokuthi isebenza kanjani izinhlelo zokuvikela i-overdraft.

Uma ubala, leyo yimali okungenani emibili oyikhokhayo. Kukhona nethuba elihle lokuthi inkokhelo yakho izobhekwa “ sekwephuzile ”, ukuze ukwazi futhi ukubhekana nezijeziso zokukhokha sekwephuzile. Nawa amathiphu ami okubhekana namasheke abhampisiwe

📍 Amathiphu wokuvimbela

Uma kukhulunywa ngokungazi, ukusebenza okungemnandi kungagwenywa ezimweni eziningi. Lapho uthola isheke, kulula ukubuza umuntu osikhiphile ukuthi singalikhipha ngaluphi usuku (kusukela kuluphi usuku nokuthi imuphi umkhawulo). Ngale ndlela uzohlela imisebenzi yakho yasebhange futhi uthole imali yakho ngesikhathi esifanele.

Okungenhla kulungele kokubili umuntu okhipha imali isheke kanye nomuntu olikhiphile. Owangaphambili ugwema inkinga yokuya ebhange ngokungaphumeleli futhi lo wakamuva ugwema inhlawulo yemali (ikhomishini) ibhange lakhe elizoyikhokhisa ngokusebenza okuhlulekile. Kubalulekile ukukhumbula ukuthi kunezimali ezikhokhwayo kumasheke e-NSF. Vakashela ibhange lakho ukuze uthole okwengeziwe ngalezi zimali.

Esimeni sokuthengiselana okukhulu kwezezimali, ungacela ukuthi ukhokhelwe wena ngesheke lasebhange eliqinisekisiwe. Bheka lo mhlahlandlela ukuze ufunde kabanzi mayelana nokuthi amasheke aqinisekisiwe asebenza kanjani.

📍 Iseluleko sokwelapha

Uma usuvele unesipiliyoni esingemnandi sokuyokhipha isheke ebhange ngaphandle kwempumelelo ngenxa yemali enganele, kuhle ukuthi:

Okokuqala thintana nomuntu okunikeze isheke ukuze akuchazele isimo futhi ucele nezixazululo. Ungamcela futhi ukuthi akubhalele elinye isheke, akufakele idiphozithi, akudlulisele noma akunikeze ukheshi ngokushesha ngangokunokwenzeka.

Ungaphinde ubathathele izinyathelo zomthetho laba bantu uma benqaba ukukukhokhela. Uma ucabanga ukumangalela othile ngenxa yalesi sizathu, kuhle ukuthi uqale uthinte indikimba yochwepheshe ukuze uthole usizo oluthile nezeluleko.

Ulwazi olwengeziwe lunikezwa lapho ngesimo ngasinye futhi banochwepheshe abazosiza ukuxazulula inkinga. Uma icala liwinwa, umkhohlisi kufanele akukhokhele, hhayi kuphela inani lesikweletu kodwa nesengezo. Le mali enqwabelene ngeyomonakalo nezindleko zezomthetho.

🌾 Ukuhlola kwe-NSF Kukuthinta Kanjani Ukwethembeka Kwakho?

Isheke le-NSF aliveli emibikweni yakho yekhredithi evamile. Nokho, izinkampani ziyathanda I-ChexSystems ingase igcine irekhodi lomsebenzi wakho wasebhange.

Uma ungenawo umlando wesikweletu oqinile (ngoba awukakazakhi isikweletu sakho), ababolekisi, abaqashi nabadayisi bomshwalense bangase baphendukele kuma-ejensi okulinganisa izikweletu. ezinye izindlela »ukunquma ukwenza ibhizinisi nawe noma cha. Lawa ma-ejensi angafaka phakathi ulwazi olumayelana nokuhlolwa okubi, okuzolimaza amathuba akho.

Ngaphezu kwalokho, inkampani oyikhiphile amasheke abhampa ingathumela i-akhawunti yakho enkampanini yokuqoqa. Uma leyo nhlangano ibika umsebenzi kuma-credit bureaus amakhulu, izikolo zakho zezikweletu zendabuko zizohlupheka.

Ngaphambi kokuthi uhambe, nakhu ukuqeqeshwa okukuvumela ukuba wenze kanjalo master ukuhweba ngehora eli-1 nje. Funda Funda kabanzi ngombungazi, u Proptech, lo ezezimali eziluhlaza kakhulu.

Imibuzo Evame Ukubuzwa

Liyini isheke elibhayisiwe?

Isheke elibhampisiwe (noma isheke elingumgunyathi) isheke elikhishwe idrowa (lona elibhala isheke) lapho bengenayo imali eyanele ku-akhawunti yabo yasebhange yokulikhava. Lapho ohlomulayo efaka isheke ebhange lakhe, lo wakamuva uphawula ukungabikho noma imali enganele futhi angase anqabe ukukhokha.

Iyini imiphumela yesheke le-NSF?

Ukukhipha isheke elibi kuyicala lobugebengu elijeziselwa izinhlawulo nesikhathi sasejele. Ukwengeza, ukuqulwa kwamacala omphakathi kungase kuqalwe ohlomulayo ukuze athole isinxephezelo ngomonakalo wabo.

Idrowa lizoba negama lakhe elibhaliswe kufayela likaZwelonke lamasheke angejwayelekile (FCC) iminyaka emi-5. Lokhu kuzoyivimbela ekukhipheni amasheke kuwo wonke amabhange aseFrance, ngaphandle kwesivumelwano sawo esicacile.

Izindleko zebhange zamasheke abhanseliwe nazo zikhokhiswa ibhange.

Ithini idrowa lengozi embi yokuhlola?

• Inhlawulo efika ku-€375
• Vimbela ukukhishwa kwamasheke isikhathi esiphezulu seminyaka emi-5
• Ukubhaliswa kwe-FCC iminyaka emi-5
• Isigwebo sejele esifinyelela eminyakeni emi-5 ngokuphindelela
• Imbuyiselo yomonakalo owenziwe umzuzi
• Izimali zokunqatshelwa kwebhange

Yiziphi izinhlawulo zomzuzi wesheke elibi?

Ohlomulayo akenzi noma yisiphi isijeziso sobugebengu uma efaka ngeqiniso isheke elibi abengazi ngalo iphutha. Ngakolunye uhlangothi, uma ayenesandla odabeni lokukhwabanisa, ubhekana nezijeziso zobugebengu ezifanayo nomdubuli.

Ungasihlela kanjani isimo sakho ngokujwayelekile ngemuva kokukhipha isheke elibi?

Izinketho eziningi zokwenza ngokujwayelekile:

• Nikeza okhokhelwayo ukheshi ngenani lesheke
• Yenza ukudluliselwa kozuzayo
• Cela umnqamulajuqu wokukhokha kumzuzi
• Cela incwadi yokulahlwa kwecala kumzuzi
• Thumela isicelo kumshushisi ukuze acele ukuthi kuqedwe ukuvinjelwa kwamabhange

Kuzo zonke izimo, idrowa liyelulekwa ukuthi lixhumane nebhange lakhe kanye nomzuzi ukuze bathole isisombululo sokuthula sokuxazulula ingxabano.