Indlela yokufumana iiBhanki zeSafile ngemali yakho
Iziqinisekiso zikaRhulumente
Ukuxhaswa koorhulumente waseUnited States kuyindlela ekhuselekileyo yokukhuselwa ngabantu abaninzi.
Ukuba isikhungo sakho semali siphumelela kwaye ukugcinwa kwakho kugubungelwe, awuyi kulahlekelwa yimali. Kwabaninzi abantu, ukukhuseleka okwaneleyo, kwaye abacingi nangakumbi malunga nobunzima.
Kwiibhanki, i- inshurensi ye-FDIC yinkqubo exhaswa nguRhulumente eqinisekisa ukuba idiphozithi. IiNgxowa zifihliweyo ukuya kwii-250,000 zama-dollar nganye kwi-depositor ngalinye kwiziko. Kuhlala kusisilumko ukuqinisekisa ukuba ibhanki yakho inesiqinisekiso kwaye uqonda oko kwenzekayo ngeentlobo ezahlukeneyo zeakhawunti (njenge-akhawunti kunye kunye nama-akhawunti yomhlalaphantsi) - ingakumbi ukuba unama-250,000.
Kwiimanyano zemali-mboleko zenkxaso-mboleko, ekhuselekileyo njenge-bank-insured ye-FDIC , amalungu angancika kwi-NCUSIF yokhuseleko lwe-inshorensi. Kwakhona, kufuneka uqiniseke ukuba ii-akhawunti zakho zifihliwe kwaye ungaphantsi kwama-maximum.
Ukuba ibhanki yakho okanye inkontileka yekhredithi iyahluleka kwaye imali yakho iqinisekisiwe, imali yakho iphephile. Urhulumente wephondo, ngokuxhaswa nguNondyebo we-US, unokutshintsha nayiphi na imali eyayilahlekelwa yibhanki.
Le nkqubo ngokukhawuleza ihamba ngokukhawuleza (kwimihla yoshishino), kwaye abantu abaninzi abanakuze baqaphele ukuba ibhanki yabo yahluleka ukuba igama liguqulwe kwibhanki eliyilandelayo, kodwa kukho ukulibaziseka kunye nokuphazamiseka xa ibhanki yakho ihluleka.
Ukuba unabantu abangaphezu kwama-250,000, kubalulekile ukusasaza loo mali phakathi kweebhanki ezahlukeneyo okanye kwii-akhawunti ezihlukeneyo zeakhawunti.
Ngoxa iziqinisekiso zikaRhulumente zinika ukhuseleko oluqinile kwimali yakho, abanye abantu bakhetha ukukhetha nokukhetha phakathi kwamashishini karhulumente aqinisekisiwe. Akunakufuna ukuthatha umngcipheko wezinto ezinokuthi zenzeke, okanye zibe neengxowa-mali ezingaxhaswanga ngaphaya kwemida ephezulu.
Iinkonzo zokuHlola
Kukho iinkampani ezininzi ezizimeleyo ezilinganisa ibhanki kwaye zinike isilinganiselo esifanele ukukunceda ukuba ubone ukuba ibhanki iphephile. Ezi nkonzo zinokuba luncedo, kodwa izinto zingatshintsha ngokukhawuleza (mhlawumbi ngokukhawuleza kunokuba iinkonzo zokulinganisela zingahlaziywa) kwaye kufuneka uhlolisise ukuba uhlalutyo lwamaxesha onke. Kwabaninzi, ukuhlolisiswa ngokuphindaphindiweyo kunzima, ngoko unyanisekile malunga nokukwazi ukwenza oku kwaye ubeke ezo zihlolisiso kwikhalenda yakho.
Ukubhalisa okuKhuselekileyo kunye nokuSingqa kweNzululwazi zenzelwe ukukunceda ubone ukuba zeziphi iibhanki ezikhuselekileyo. I-Bankrate ihlola iibhanki ngokusekelwe kwanele ngokwaneleyo, inqanaba lomhlaba, inzuzo, kunye nokuthengiswa kwempahla, kwaye ikwabela "inkwenkwezi" kwibhanki nganye. Tyelela iBhangerate.com ngolwazi olungakumbi.
I-BauerFinancial enye inkonzo elula ukusebenzisa inkqubo yeenkwenkwezi. Iibhanki ezikhuselekileyo zilinganiswe iinkwenkwezi ezi-5. I-BauerFinancial ibandakanya izilinganiso kwiimanyano zetyala, kwaye unokukhangela ngokuthayipha egameni lakho kwisiko lemali.
Fumana oku ngakumbi kwi-BauerFinancial.com.
Ratio yaseTexas
Iinkonzo zokulinganisa zijonga kwimithombo eyahlukeneyo yedatha ukuba ifike "kwibanga," kodwa ungeke ubone yonke imisebenzi okanye iingcamango emva kwelo bakala. Ukuba ufuna ukuthatha i-hand-on approach, ungazenza zakho izibalo. Hlola indlela ibhanki yakho enamandla ngayo, kwaye ujonge iimpawu zengxaki.
Esinye isibalo esoloko sisetyenziselwa ukuvavanya iibhanki yi-Texas Ratio, ejongene nendlela ebolekileyo ngayo imali yokubolekisa ibhanki. Amabhanki atyala imali oyibekayo, uyiboleke kwaye (phakathi kwezinye izinto) . Ibhanki ekhuselekileyo ine-Texas Ratio kakuhle ngaphantsi kwe-100% (okanye 1: 1). Bayazi kakuhle ukufumana ilahleko kwiimboleko ezingekho phantsi . Ukufumana iinkcukacha ezingaphezulu kunye nomzekelo, jonga ukuba i-Texas Ratio Works .
Ubunzima Bokungaphumeleli
Abanye abantu bakholelwa kwingcamango 'enkulu kakhulu yokungaphumeleli.' Ngamanye amazwi, bakholelwa ukuba iibhanki ezikhuselekileyo zii-bhanki ezinkulu ezinokuthi zifike kwiindawo ezininzi zoqoqosho.
Iingcamango kukuba oorhulumente baya kuxhasa ezi mabhanki kwaye banqande ukuba bangaphumeleli.
Ukukhuphisana neebhanki 'ezinkulu kakhulu ukuba zingaphumeleli', iibhanki ezincinci zifumene ukudala. Umzekelo, inkqubo ye-CDARS ivumela abacwangcisi be-CD ukuba benze idizithi ezinkulu (ngaphezu kwemida ye-FDIC) kwiziko elincinci kwaye bafumane i-IDIC epheleleyo.
- Funda kabanzi: ii- CDARS - Ukuphakamisa umgangatho we-FDIC
Bheyili-Ins
Nangona umbono awunjalo ngokuqhelekileyo, kukho abathile bakholelwa ukuba amaziko amancinci (awanamakhulu-ahlulekayo) yiindawo ezikhuselekileyo zokugcina imali yakho. Ixhalaba kukuba amaziko amakhulu eemali ezifana neebhanki zomhlaba zithatha ingozi enkulu (kunye neentlobo ezahlukeneyo zemingcipheko) kunamanyano amancinci enkcubeko yoluntu. Ukuba babeza kumaxesha amanzima, abanye besaba ukuba loo maziko aya kuthatha imali evela kwiakhawunti yakho ukuhlangabezana nezinye iimbopheleleko.
Oku kwenzekayo akunakwenzeka, kwaye kukho ezinye iindidi ze " ibhayili-ins " ezingasetyenziswa ngaphambi kokuba zidibanise kwiakhawunti yakho kwaye zithathe imali yakho. Oko kwathiwa, nantoni na eyenzekayo, kwaye asazi into esingazi ngayo ngekamva. Ukuba ufuna ukunyamekela, mhlawumbi (mhlawumbi okanye akunako) ukwenza ingqiqo ukucwangcisa ezi ntlobo zeemeko.
Ukubamba iBhanki
Ukuba unomdla malunga nokuphanga, qaphela ukuba amaninzi okuphanga ayengabonwa ngabaninzi kubathengi kunye nabasebenzi bebhanki (kwaye ubusela buya ngokuya phambili kwi-intanethi, kodwa uhlala ukhuselwa kwiiphoso kunye nobuqhetseba ).
Ukuba uke wabandakanyeka ekuphangi, landela imigaqo ethile ebalulekileyo malunga nendlela yokuphatha ngayo . Okubaluleke kakhulu, ungazami ukuba yiqhawe. Iibhanki ezininzi ziqinisekisa ukuba imali ilahlekile ngokuphanga. Zive ukhululekile ukucela nayiphi na ibhanki ocinga ukuba isebenze naluphi uhlobo lokufihlakelelwa phambi kokuba uvule i-akhawunti.