Yiyiphi Imimiselo Yakho Imali?
Siza kubumba kwizithuba ezingezantsi, kodwa njengengcaciso emfutshane:
- Ukufana: Amabhanki kunye neemanyano zeentengo zemali zinikela ngeengxelo zokujonga nokugcina imali, iimali-mboleko, ii-akhawunti zoshishino kunye nezinye iinkonzo. Kwiimfuno ezininzi zebhanki, zilingana.
- Ukwahlukana: Imanyano yemboleko iyimibutho yabathengi, ngelixa iibhanki ziqhelekileyo zoshishino-ngenzuzo. Kwezinye iimeko, oko kunika imibutho yamatyala inzuzo. Kodwa ukujoyina inyunithi yemboleko, kufuneka ulungelelaniswe nemigangatho yobulungu.
Ukwenza isingeniso esisiseko kwiimanyano zesikweletu, kubandakanywa ubunikazi, ukhuseleko lwemali yakho kunye nemveliso, jonga njani Imisebenzi Yobunyanisi Bentengo .
Ubunini: Ulwahlulo oluphambili
Iimanyano zetyala ziphethwe ngabathengi babo, abayaziwa nangokuthi "ngamalungu." Abatyalomali banabhanki. Abo batyali-mali bangabakho amawaka abangabonakaliyo abanamasheya okanye abatshali-mali abakhulu, kuxhomekeke kwibhankini. Unokungakhathaleli okanye ucinge ukuba yinto enkulu, kodwa isakhiwo sobunini sichaphazela indlela amaziko asebenza ngayo.
I-credit union ilungile: Ngokufanelekileyo, imibutho yamatyala inokunikela ngamashishini angcono kuba abanalo abatyala-mali abangaphandle bazama ukwandisa nokwandisa inzuzo ngeendleko zabathengi.
Amanyano amaninzi eentengo zemboleko enza oku: Bahlawula inzala engakumbi kwi- CD kunye ne- CDs , banikela ngokukhululeka ukujonga bonke abantu, kwaye bahlala behlawula imali.
Ukungafani nomgaqo: Nangona kunjalo, imibutho yamatyala ayisoloko ifikeleleke kakhulu kuneebhanki. Iibhanki zoluntu zinokubaluleka okufana neenkontileka zemali-mboleko, kuquka ukukhonza abantu basekuhlaleni nokubuyisela kuluntu.
Ngaphezulu, ezinye iinkontileka zeentengo zemali zenza njengeebhanki ezinkulu kwaye zihlawulisa iimrhumo ezifanayo eziphezulu njengabakhuphiswano babo. Njengemibutho engekho inzuzo, loo mibutho yeekhredithi inokufumana iintlawulo zerhafu ezingabuyeli kumalungu njengoko kuhlosiwe.
I-Credit Union Elifanelekileyo
Ukukwazi kwakho ukuvula i-akhawunti ngenye indlela ephawulekayo phakathi kwamabhanki kunye neemanyano zemboleko.
Ukugcina isimo sabo sentlawulo, iimanyano zeentengo zemali zifuneka ukuba zinciphise isiseko sabathengi babo kwiqela labantu abelana ngesondlo esivamile (eyaziwa ngokuba yi "intsimi yobulungu").
Le mfuneko kulula ukuba idibane. Uvumelekile ukuba ujoyine umanyano wekhredithi ngenxa yokuba:
- Lapho usebenza okanye ishishini osebenza kuyo
- Lapho uya esikolweni okanye unqulo
- Indawo ehlala kuyo
- Ubulungu kwintlangano, enokukwazi ukwanelisayo kwi-Intanethi
- Ukufaneleka kwamalungu ilungu
Naluphi na, kukho ithuba elihle lokuba kukho inkontileka yemboleko ekufuphi ukuba uyakufanelekela. Ezinye iinkontileka zeentengo zemali zikhonza namalungu ngokude okanye ngokupheleleyo kwi-Intanethi .
Ngaba Imali Yakho Ikhuselekile?
Amabhanki kunye neemanyano zemboleko ziyakwazi ukugcina imali yakho iphephile. Ukuba iziko lihamba phantsi, ezinye okanye yonke imali yakho ingahlawulwa, oku kuthetha ukuba imali yakho kufuneka ithathe indawo. Kwiimeko ezininzi, i-akhawunti yakho iphelela kwiziko elitsha, kwaye unenombolo efanayo yeakhawunti kunye nokulinganisela kwe-akhawunti ngaphambili.
I-inshurensi ekhuselekileyo inokufumaneka ivela kurhulumente wase-US.
- Kwiibhanki zebhanki, i-FDIC iqinisekisa imali ngenkxaso karhulumente.
- Kwiimanyano zemali-mboleko zemigodi , i- NCUSIF inokukhusela ngokholo olupheleleyo kunye netyala leburhulumente wase-US.
Ngaphantsi komthetho wangoku, i-FDIC kunye ne-NCUSIF yokukhusela ikhusela i-$ 250,000 nganye kwi-depositor ngalinye kwiziko. Ukuba unako ngaphezu koko, kufuneka uqiniseke ukuba usasaza imali yakho phakathi kokubhaliswa kweakhawunti ezahlukeneyo okanye amaziko ahlukeneyo. Kunokwenzeka ukuba ube ne-250,000 e-insured endaweni enye. Umzekelo, i-akhawunti yakho yokuthatha umhlalaphantsi kunye ne-akhawunti yakho yokujonga kwiziko elifanayo linokubalwa ngokwahlukileyo.
Ezinye iinkontileka zeentengo zemali zichongiwe zikarhulumente (endaweni ye-federally-chartered), kwaye zibonelela nge-inshorensi yabucala. Ngoxa lo khuselo luncedo kumaxesha amaninzi (awona awona maziko asembi), i-inshurensi yabucala ayifumanekanga ekhuselekileyo njenge-NCUSIF.
Imveliso yeMveliso efanayo
Iimveliso ezikhoyo kwiibhanki kunye neemanyano zeentengo zemali zifana. Kwabaninzi-abathengi abaphatha iimali zabo kunye namashishini amancinci-akunandaba nokuba usebenzisa ibhanki okanye umanyano-mboleko.
Kwiinkonzo ezizodwa, ezinje iinkonzo zamatrasti, umanyano omncinci wesikweletu angeke ukwazi ukufumana iimfuno zakho. Kodwa akukho nto ibuhlungu ukubuza-nangona amaziko amancinci abambiswano kunye nababoneleli ngeenkonzo abanokubonelela ngeenkonzo ezingenamthungelwano ngumbutho wesikweletu.
Phantse nayiphi na ibhanki okanye umanyano weentengo zemali unikeza ezi zinto zilandelayo:
- Iibhanki zebhanki zoshishino
- Ukuhlola iakhawunti
- I-akhawunti yokugcina
- Iziqinisekiso zediphozithi (iiCD)
- Imali-mboleko yasekhaya (kuquka ukubolekwa kwemali kunye nokuhlaziya )
- Imali-mboleko ngokuzenzekelayo kwiimoto ezintsha okanye ezisetyenzisiweyo (kubandakanywa nesithuthuthu kunye ne-RV mboleko)
- Iimarike zemarike zemali
- Umhlaba , ukwakhiwa , kunye nokwenziwa kwemali mboleko yasekhaya
I-teknoloji: zombini iibhanki kunye neemanyano zeentengo zemali zinikela iinkonzo zebhanki kwi-intanethi kunye neefowuni zokusebenza. Unokwazi ukujonga i-akhawunti, wenze idipozithi kwisixhobo sakho sesefowuni , uhambise imali phakathi kwee-akhawunti, uhlawule iibhokhwe , kwaye ngaphezulu kumaziko amaninzi. Ngamanye amaxesha, inyanzelwana encinci yekhredithi ayinakukunika zonke iinkalo ozifunayo, kodwa oko akunqabile.
Inkonzo eyenzelwe
Amabhanki kunye neemanyano zemboleko zingabonelela ngeenkonzo ezixhamla kumthengi. Bobabini benza iimpazamo baze baqeshe abantu abaye banomhla obi.
Ubudlelwane: Kwiimanyano zeebhanki kunye neebhanki ezincinci, inkonzo ihlala isetyenziswe ngokwakho. Ngabathengi abambalwa nabasebenzi, kunokuba kube lula ukuba wonke umntu afunde. Ukuba u tyelela isebe, kukho ithuba lokuba usebenze nabantu abanjalo, kwaye unokuhlakulela ubudlelwane. Lezo zinobudlelwane zinokukunceda ukwazi ukufumana iimali-mboleko ukuba unayo imali engaphantsi kwe-credit , kwaye ingenza kube lula ukulungisa iingxaki kuma-akhawunti akho.
Ngokukodwa kwiibhanki ezincinci kunye neemanyano zamatyala, inkonzo yabathengi incike (inxalenye) kwinkcubeko yentlangano. Ukusebenzisana kungabonakali (okungcono okanye okubi kakhulu), kwaye kunokuxhomekeka kubani othetha ngalolo suku. Kwiibhanki ezinkulu, kulindeleke ukuba kubekho amava amaninzi (kodwa anzima): Bonke abasebenzi baya kuqhuba inkqubo efanayo yoqeqesho, kwaye abanalo lukhulu xa beza kwiinkonzo zenkonzo.
Ishedyuli yakho inokuchaphazela isigqibo sakho sokusebenza kunye nebhanki okanye umanyano wekhredithi. Iibhanki ezinkulu zinokuba nezixhobo ezininzi zokunikezela ngemigca yesevisi yamakhasimende angama-24, kwaye oko kunokuba luncedo ukuba awukwazi ukuthetha ngexesha leeyure. Nangona kunjalo, iiyunithi zeekhredithi (kunye neebhanki) zinikeza iiyure ezongezelelweyo kunye neveki-kunye neewebhusayithi ezilungileyo. Ukuba unokwenza konke okufunayo kwi-intanethi, iiyure zebhanki azikhathazeki.
Imanyano yemboleko inikezela ngomnikelo okhethekileyo kunye ne-branching ehlangene. Ukuba umanyano wakho wekhredithi uthatha inxaxheba, unokukwazi ukutyelela amasebe kwezinye iimanyano zeentengo zemali kwilizwe lonke. Uninzi lweenkonzo, ezifana neentlawulo kunye nokuhoxiswa, zifumaneka mahhala, kodwa unokufuna ukuba usebenze kunye nomanyano wakho "wekhaya" weengxowa-mali kwiimeko ezinzima.
Yintoni e bhetele?
Amabhanki kunye neemanyano zeentengo zemali zingabonelela ngeenkonzo ezinemali ezinamandla. Ekugqibeleni, kuhla kwiimveliso, iinkonzo, kunye neentlawulo ezibonelelwa ngumbutho ngamnye owukhangayo. Ukuba ubunikazi abubalulekanga kuwe, hambani nahamba nabani na owona mcimbi oncomekayo (kwaye ukhumbule ukuba unako ukugcina ii-akhawunti ezininzi zivulekile kwiibhanki zombini kunye neemanyano zetyala).
Xa udinga imboleko, fumana izicatshulwa ezivela kwimithombo eyahlukeneyo, kubandakanywa ubuncinane ibhanki enye, umanyano wesikweletu omnye kunye nomthengisi omnye we-intanethi . Thelekisa iindleko kunye namazinga omdla kwiziko ngalinye, kwaye ubuze ukuba ngaba ungeke ufumane imvume kwimboleko ngaphambi kokuba uzalise isicelo.
Ukuba amazinga aphakamileyo kwi-akhawunti yokulondoloza yinto ephambili yakho, jonga kwiikhompyutheni kuphela ezikhethiweyo kwiibhanki kunye neemanyano zesikweletu . Ibhanki ye-Intanethi ayinayo inqanaba elifanayo njengamaziko ezitena kunye namadaka, kwaye bathambekele ekusebenziseni amazinga omdla wokujonga amehlo.
Ukuba uthatha isigqibo sokutshintshela kwibhanki eyahlukeneyo okanye umanyano wesikweletu, thintela iingxaki xa ususa imali yakho. Sebenzisa lwethu uluhlu lokutshintshela ibhanki ukwenzela ukuba inkqubo ingenabuhlungu kunokwenzeka.