Banking kunye neMali

by Justin Pritchard

Imisebenzi Yobunyanisi Bentengo

Imanyano yemboleko ayizinhlangano ezingenelwe inzuzo ezinika iinkonzo zemali kumalungu azo. Ukuba ufuna ukugcina imali, ukuhlawula iibhilikhwe okanye ukufumana imali mboleko, umanyano wekhredithi uyinketho kulezo nkonzo.

Iibhanki kunye neenkontileka zeMatyala zihluke njani

Ukuba uqhelana neebhanki, iimanyano zeentengo zemali zifana: Banikela ngeemveliso ezifanayo kunye neenkonzo njengeebhanki, kunye namava okusebenzisa ezo nkonzo zifana ngokufanayo.

Ubunini bubume obukhulu phakathi kweebhanki kunye neemanyano zetyala. Imanyano yemali-mboleko inamalungu ebuntwini (abathengi kwiimanyano zemali-mboleko kuthiwa "ngamalungu," ngoko ke abathengi banomdityaniso wemali). Amabhanki aphantsi kootyalo-mali, abangenakuba ngabagcini-akhawunti okanye amalungu omphakathi. Xa uvula i-akhawunti kwinkontileka yekhredithi-kungakhathaliseki ukuba yincinci - uba ngumnikazi wecandelo. Onke amalungu anelungelo lokuvota inkokheli yemanyano yemboleko (ibhodi labalawuli).

Ukuhlawulwa kwentela omnye umlinganiselo. Njengombutho ongeyena inzuzo, umbutho wezikweletu awuhlawuli irhafu efana neebhanki ezihlawulayo. Nangona kunjalo, iimanyano zeentengo zemboleko azinjalo. Bamele benze izigqibo ezifanelekileyo zemali, ukuqokelela imali, ukuhlawula umvuzo, nokukhuphisana namanye amaziko.

Xa kuziwa kukhuseleko lweentlawulo zakho kunye neenkonzo ezisisiseko, amabhanki kunye neemanyano zeentengo zemali zifana kakhulu (jonga ngezantsi).

Amacandelo aphambili kwiiNyunyana zeMatyala

Izinyunyana zetyala ziyathandwa ngamalungu abo, abanye babo banamathele kakhulu kumaziko abo.

IiRhafu kunye neentlawulo zihlala zihlala (kodwa kungekho njalo) zikhangelelanisa kwiimanyano zematyala.

Ngenxa yokuba isikhungo sinomnini wabelungu, kuncinci uxinzelelo oluncinci ukwenzela ukwandisa inzuzo kubarhwebi abangaphandle. Okokuthi, ezinye iinyunithi zeentengo zemboleko zentengo zisebenzisa iishedyuli ezifanayo (okanye zibiza ngaphezu kweebhanki ezinkulu), ngoko kuhlale kulungelelaniswa ngaphambi kokukhetha isikhungo.

Uluntu ngokuqhelekileyo luyimpawu ebalulekileyo yemanyano yamatyala. Ukujoyina inyunithi yemboleko yemali, kufuneka ufaneleke ngokukwabelana ngokubambisana kunye namanye amalungu omanyano. Kwakhona, oku kukukhuthaza ukubolekwa kwemali-mboleko enokuthengelayo kunye nemigangatho yemigangatho yokhuphiswano ngenxa yokuba unesitya esinye. Iimanyano zetyala nazo zidlala indima ebalulekileyo kwizoqoqosho zendawo.

I-branched share is service ekhethekileyo kwiimanyano zesikweletu. Ngenxa yokuba imibutho yamatyala kaninzi iindawo zengingqi, awukwazi ukufumana isebe okanye i-ATM xa uhamba okanye uhamba (nangona uhamba ngaphesheya kwedolophu). Nangona kunjalo, kwiimeko ezininzi, kunokwenzeka ukusebenzisa amagatsha kunye nama-ATM kwezinye iiyunithi zeekhredithi -mahhala. Unokwenza iifomethi kunye nokuhoxiswa, ukuhlawula imali kunye nezinye. Ukusebenzisa i-branching ehlangene, zombini unyunithi yekhredithi yasekhaya kunye negatsha unenjongo yokusebenzisa imfuno yokuba yinxalenye yentanethi ekwabelwana ngayo.

Inkonzo yomuntu siqu ingafumaneka kwiimanyano zesikweletu ezincinane zendawo. Ukuba uyaluxabisa ubudlelwane bokwakha kunye nokuthetha nabathengi abafanayo kunye nabaphathi bemboleko, inkontileka yemali okanye ibhanki yoluntu yindawo efanelekileyo yokufumana loo mava. Xa unethuba lokuthetha nabenzi bezigqibo, unokufumanisa ukuba kunokwenzeka ukuba uvumeleke ukubolekwa kwemali mboleko kunye nezinye iinkonzo ezinkulu ezinokukunika zona. Akunjalo ukuba imibutho yamatyala ayinakunqwenela-bayakwazi nje ukukwazi wena kwaye baqonde ingozi endaweni yokuba nje bakukhanyele.

Yintoni ongayenza kwi-Credit Union?

Izinyunyana zetyala zibonelela ngeenkonzo zemali kubathengi, kumashishini kunye neminye imibutho. Iminikelo eqhelekileyo ichazwe apha, kodwa yonke inyunyana yeebhanki ihlukile.

I-akhawunti yokulondoloza inikezela indawo ephephile ukugcina imali kunye nokufumana inzala kwimali yakho yokugcina. Kwimanyano yamatyala, i-akhawunti yokulondoloza ibizwa ngokuba yi-akhawunti yebhanki kuba wena-njengabo bonke abanye abathengi Amanye atshintsho kwi-akhawunti yokulondoloza ayinqunyiwe ezintandathu kwiinyanga .

Ukujonga i-akhawunti kukuvumela ukuba uchithe imali yakho ngaphandle kwemida yenyanga kwiintlawulo. Kukho iindlela ezininzi zokufikelela yakho imali:

Ikhadi lokudibanisa: Uninzi lwemanyano yeekhredithi linikezela ngekhadi lokuditywa kwemali ekwenzeni ukuthengwa kwi-intanethi kunye nomntu (ungasebenzisa kwakhona ikhadi ukurhoxisa imali kwi-ATM).
Inkokhelo yentlawulo ye-intanethi: Bhatala iindleko zakho eziqhelekileyo okanye nayiphina iindleko ngokubeka inkokhelo inthanethi . I-credit union iya kuprinta kwaye ithumele iteksi okanye ithumele imali ngekhompyutha.
Bhala iteksi: Iireki zingase zibe zidala, kodwa zisengendlela efanelekileyo kwaye engabizi ukuyihlawula .

Bhatala imali: Unako ukufumana imali kwi-teller okanye kwi-ATM kwaye usebenzise imali yemaphepha.

Izatifikethi zediphozithi (iiCD) zifana ne-akhawunti yokugcina imali. Ii-CD zihlawula ngaphezu kokulondolozwa rhoqo , kodwa kukho ukubanjwa: kufuneka uzinikele ekushiye imali yakho kwi-CD ngenani elichanekileyo lexesha (ngokuphindaphindiweyo ukuya kwiminyaka emithathu). Ukuba ukhetha ukulungelelanisa, amanye amaziko anika i- akhawunti yemarike yemali , ehlawula iirhafu ezifanayo kunye nokuvumela ukuba ufikelele kwimali yakho yonke inyanga.

Iimali zifumaneka kwiintlobo ezahlukeneyo zokusetyenziswa. Imanyano yemali- mboleko isebenzisa imali abanye abathengi abafaka kuzo ukubolekisa imali mboleko kubboleki.

Imali-mboleko yasekhaya (imali yokuthenga imali) inikezela ngemali yokuthenga ikhaya. Iimali zokugcina iimali kunye nemigca yokulingana kweentengo zemali (ii-HELOCs) zivumela ukuba usebenzise ubulungisa kwipropati osukho .
Ukubolekwa kwemali-mboleko kungenziwa enye yeebhanti ezidume kakhulu kwiimanyano zesikweletu. IiRhafu zihlala zikhuphisana, kunye neemanyano zeentengo zemboleko zingenakho ubudlelwane nabathengisi beemoto zendawo.
Iimali mboleko zomntu siqu zingasetyenziselwa phantse nayiphi na into oyifunayo Eyaziwa nangokuthi "iimboleko zemali-mboleko" kwiimanyano zemboleko zemali, ezi mboleko zivunyiwe zisekelwe kuphela kwizikolo zakho zemali kunye ne ngeniso.

Amakhadi okuthenga ngetyala anemigca ebolekayo yemboleko evumela ukuba ubolekise kwaye ubuyisele ngokuphindaphindiweyo - ngokungakhathaliseki ukuba awuhambi ngaphaya komda wakho wemali.

Ezinye iinkonzo nazo ziyafumaneka kwiimanyano zesikweletu. Kwiinkonzo ezininzi zeentengo zemali, unokufumana oku kulandelayo:

Uhlolo olusemthethweni lukhangelelwa njengetshekhi ye-cashier okanye uhlolo oluqinisekisiweyo. Kukho umrhumo omncinci, kodwa kufuneka ufune kuphela ezi zinto ngexesha lokuhlawula okanye ezinye iziganeko zobomi.
Iimali zeemali zifana nokuhlolwa kwee- cashshi , kwaye ziyayiluncedo xa isitshixo sakho singasifanelekanga (kodwa akudingeki ukuba ukhangele isheke).
Iibhokisi zepositi ekhuselekileyo yindawo ekhuselekileyo yokugcina amaxwebhu abalulekileyo kunye neempahla ezincinci. Izinto zakho zigcinwe emva kweekhiye ezininzi, kodwa uya kufuna ukufumana into oyifunayo ngexesha leebhanki.
Iinkonzo zengqalelo ziyakunceda xa ufuna ukubonisa ukuba isayineli ivumelekile kumaxwebhu asemthethweni . Umqeshwa wentengo yemboleko (omele ukuba abe ngu-notary public) unokubeka isitampu esisemthethweni kumaxwebhu akho uze ubhale ixesha kunye nomhla wokutyikitya kwakho.

Imveliso kunye neenkonzo ezikhoyo kuwe ziyahlukahluka kumanyano wekhredithi ukuya kumanyanisi wekredithi. Iimanyano ezinkulu zeentengo zemboleko zinikezela ngokubanzi, ngelixa iinkampani ezincinci zeentengo zemboleko zingakwazi ukugcina iminikelo encinci. Kodwa unokumangaliswa - nangona unyunyana omncinci weentengo zemboleko ungaqhagamshelana neminye imibutho ukuhlangabezana neemfuno zakho. Shayela umanyano wakho wesikweletu wendawo uze ubuze malunga neenkonzo, iifizi, kunye neendlela zeteknoloji (njengezixhobo zokusebenza) njengoko uvavanya ezinye iindlela.

Ukufaneleka: Ukujoyina i-Credit Union

Ukuze ube ilungu lalo naliphi na inyunyana yekhredithi, kufuneka "ufaneleke" okanye uvumeleke ukujoyina. Ukufaneleka kudlala kulula, kodwa kuseyimfuneko ngenxa yesakhiwo semanyano yemboleko kunye nomthetho wesigqeba.

Iimanyano zetyala zenzelwe ukukhonza abantu ngabanye kunye nemibutho eyabelana ngokubambisana, kwaye abantu abahlangabezana neendlela ezichazwayo bayayaziwa njengentsimi yobulungu. Unako ukufumana ilungelo ngeendlela ezininzi:

Umsebenzi wakho: Umqeshi wakho unokuxhaswa ngumbutho wesikweletu okanye ube nolwalamano kunye neemanyano zekhredithi kwingingqi yakho, ngoko uza kuba nekhono lokujoyina le mibutho yamatyala. Ezinye izinto ziyakukufanelekela ukuba ube yinxalenye yemanyano yemboleko (ngoko umqeshi wakho ngamnye akanandaba - umsebenzi wakho ungena).
Indawo yakho: Ezinye iiyunivesithi zivulelekile kumntu ohlala okanye osebenza kwindawo yendawo. Ngokomzekelo, unokufanelekela ngenxa yokuba uhlala kwisixeko esithile okanye kwisixeko. Ukuya esikolweni okanye ukukhonza kwindawo ongayi kuhlala kuyo kunokubangela ukufaneleka.
Ubulungu beqela: Ukuba ilungu lamaqela athile kunokukunceda ukuba ube nemvume yeenkontileka ezithile. Amanye amaqela avulelekile kuluntu, kwaye unako ukujoyina loo maqela ngenjongo yokuba ilungu lembumba-mboleko. Amanye amaqela (njengombutho wabaninikhaya) afuna ukuba uhlangabezane nezinye iimfuno.
Intsapho yakho: Ukuba ilungu lentsapho yakho ilungu le-credit union, unokuthi udibene naloo manyano yemboleko ngokusekelwe kwisiqinisekiso sakho.

Ukufumana uluhlu lweemanyano zemboleko kwingingqi yakho (kunye neenkcazo zezidingo zokufaneleka), zama ukukhangela ngekhodi yakho ye-zip kwiCULookup.com.

Indlela yokujoyina iMbango yeMboleko

Xa ufumana isiko othanda (kunye nokuba unelungelo lokujoyina), ukuba ilungu lulula nje ngokuvula i-akhawunti. Inkqubo iyafana nokuvula i-akhawunti yokulondoloza kunoma yiyiphi ibhanki okanye inyunyana yekhredithi: kuya kufuneka ukuba unikezele ngolwazi malunga nawe, ukuzisa ukuchongwa, kwaye wenze idizithi yokuqala (rhoqo ngama-$ 25 okanye ngaphantsi). Funda kabanzi malunga neemfuno zokuvula imali kunye nokujonga i-akhawunti .

Bonke abathengi bemanyano yamatyala kufuneka bavule i-akhawunti yesiseko (okanye i-akhawunti). Nangona ujoyina i-credit unions ukuze ufumane imali mboleko, kuya kufuneka ube yilungu-efuna ukuba ube "nesabelo" semanyano yemboleko. Kwiimeko ezininzi, uya kufaka nje i-dollar ezintlanu kwi-akhawunti yokwabelana ukuze ufanele ukuboleka imali, kwaye uya kuvumela loo mali ukuba ihlale ngonaphakade.

Ingaba Imali Yakho Ikhuselekile kwi-Credit Union?

Idibansi yemali yokubambisa i-inshorensi ininzi kakhulu njengebhanki yakho. Umbutho okhusela imali yakho kuxhomekeke kuhlobo lesikhungo oyisebenzisayo. Izinyunyana zemali-mboleko ze-Federally zisebenzise iNgxowa-mali kaNtsholongwane yeNtsholongwane kaNational Credit Union (i-NCUSIF) , eyinkxaso karhulumente. Kwiibhanki, i-inshurensi ivela kwi- Federal Deposit Insurance Corporation (FDIC) . Kwiimanyano zemali-mboleko zedredesi, inqanaba le-inshurensi lifana ne-inshurensi ye-FDIC-ixhaswa lukholo olupheleleyo kunye netyala likaRhulumente wase-US. Zomibini iintlobo ze-inshorensi zifihla kwii-250,000 zama-akhawunti ngamnye kumnini-akhawunti nganye (kunokwenzeka ukuqinisekisa ngaphezulu kwama-250,000 kwi-one union unit phantsi kweemeko ezithile).

Ukuba umanyano wakho weentengo zemboleko awuqinisekisiwe, unokukhuselwa phantsi komgaqo-nkqubo womshuwalense wabucala, kwaye imali yakho inokukhuseleka, kodwa i-inshurensi ye-NCUSIF iyona nto ingcono ngenxa yesigunyaziso sikaRhulumente.

Ngubani oqhuba i-Credit Union?

Ukuba bonke abathengi banomyinge wekhredithi, ngubani ophetheyo?

Izinyunyana zemboleko zineentlobo ezahlukeneyo zabasebenzi, kubandakanywa abaxeli bamasebe kunye nabaphathi bemboleko, imisebenzi yokulawula kunye nokusebenza, kunye nabaphathi. Ulawulo oluphezulu luqukethe ibhodi yabalawuli-benzayo ezenza izigqibo kwiinkqubo zemanyano yamatyala, imigaqo-nkqubo kunye nokunye. Eli bhodi lenziwe ngamavolontiya akhethiweyo. Abazenzeli ukuhlawula - bengamalungu eemanyano zesikweletu abafuna ukuthetha ngendlela indawo eqhutywa ngayo.

Amalungu omanyano-mboleko ayavota kwibhodi yabalawuli. Ilungu ngalinye livota elinye, ngoko onke amalungu anamalingana alinganayo (amalungu anemali engaphezulu kwi-credit union ayifumana amavoti angaphezu kwamalungu angaphantsi).

Ngaba iiNkonyunyana zetyala zikhuphisana?

Amanyano amancinci amancinci anika amabhanki amakhulu ukuqhuba imali. Ngenxa yokuba iimanyano zetyala zihlala zigxininise kwinkonzo ngenzuzo, iirhafu zingaba ngcono kumanyano wematyala. Ukuba ungumyinge we rate, awukwazi ukubona amaxabiso aphezulu anikezelwa kwiibhanki ze-intanethi . Nangona kunjalo, ulwalamano olude kunye neqela elifanelekileyo lekhredithi linokusebenza kakuhle, kwaye inzuzo yezinga eliphakamileyo likhulu kakhulu njengoko ibhalansi yakho ye-akhawunti.

Kuyafana nobudlelwane kunye neebhanki zoluntu ezilungileyo.

Ngamanye amaxesha uya kufumana umanyano wekhredithi ongeke unikezele yonke imveliso kunye neenkonzo ezenziwa yibhanki ezinkulu. Ukuba kwenzeka ukuba ufune ezo nkonzo ezithile, unokonwaba ngakumbi nge-megabank enikezela ukuthenga enye okanye i-credit union enkulu.

Jonga ingxoxo engakumbi: Amabhanki kunye neManyano yeMatyala

Njengoko ukukhangela kwamahhala kuphelile kumnikelo omkhulu weebhanki, iimanyano zeentengo zemali ziye zafumana ukuthandwa. UMbutho weSizwe weMboleko weNtengo (i-CUNA) ibika ukuba i-76 ekhulwini yemanyano yeentengo zemboleko isebenza ngokukhawuleza ukujonga ngaphandle kwezikhonkwane eziqhotyoshelweyo. Ukulungelelanisa, ngamanye amaxesha uvumelekile ukuba uhlolwe mahala kwiibhanki ezinkulu, kwaye kufuneka wenze okufanayo kwiimanyano zesikweletu.

Ukuba ucinga ukutshintshela kwi-credit union (okanye ukuhamba ukusuka kwibhanki ukuya kwibhanki), qiniseka ukuba kunengqiqo ukuxhoma umkhombe . Ukuhambisa i-akhawunti kungabangela intlungu, kunye nomanyano wakho wekredithi unako ukunikela ngezisombululo ezigcina unoyolo apho ukhona. Xa kufika ixesha lokunyuka, sebenzisa i-akhawunti yokuvala uluhlu lokuhlola ukuqinisekisa ukuba akukho nto iwela kuyo.