Yintoni Yokujonga Xa Ufuna iAkhawunti
Ukulungele ukuvula i-akhawunti kwi-credit union, kodwa uyifumana njani ilungelo? Ukufumana inyunyana yekhredithi inokuba yinto ekhohlisayo, kwaye uya kufuna ukwenza ukhetho olufanelekileyo ngaphambi kokuba ungene kwiinkathazo zokutshintsha iintlawulo zakho zeebhilikhwe kunye nemiyalelo yokubeka idiphozi ngqo. Nazi izicwangciso ezimbalwa zokufumana i-akhawunti yemanyano yengxowa eya kuhlangabezana neemfuno zakho kwixesha elide.
LoKhuselo lokuqala
Qinisekisa ukuba nayiphi na inyunyana yekhredithi ofuna ukusebenzisana nayo i-insured, kukhethwa nguRhulumente wase-US.
IiAkhawunti eziNgcaciso ze- NCUSIF zidibana nale migaqo. Ngokuqhelekileyo awufumani iimanyano zekhredithi ezingaqinisekisiwe, kodwa kubalulekile ukuba uhlolwe kabini ngaphambi kokuba uvule i-akhawunti. Ukuba umanyano wakho weentengo zemali uyazifumana enkingeni, uya kufuna ukwazi ukuba idiphozithi zakho zikhuselekile.
Ezinye iimanyano zeentengo zemboleko zikhuselekile ngasese, oko akuyona into embi, kodwa azinqabile njengemibutho yamatyala e-insured.
Apho Ufanelekile
Ukulondoloza ixesha, kuhlola kuphela kunye nophando lwama-credit unions ofanelekileyo ukuba usebenze nawo. Imanyano yesikweletu inikezela ngeenkonzo "kwindawo yabo yobulungu," okanye abantu abafanelekayo ukuba ngamalungu asekelwe kwintsebenziswano ethile. Musa ukukhathazeka - akufanele ufune ukungena kwiihagi ezininzi ukwenzela ukufaneleka. Unokufanelekela ngenxa nje yokuba:
- Umbutho osebenzela kuwo
- Icandelo osebenza kulo
- Idolophu ohlala kuyo okanye osebenza kuyo
- Ubulungu kumaqela sele uyingxenye
Unokufumana njani umanyano wekhredithi ovumelekile ukujoyina?
I-National Credit Union Administration (i-NCUA), i-arhente ejongene nemanyano yamanyanzelo e-federal, inika inkontileka ye-credit union locator online. Qala ngokuphanda ngaphakathi kwendawo yakho, uze ukhangele iimfuno zokufaneleka ukuze ubone ukuba unako ukudibanisa nayiphi na imibutho yamatyala eseduze.
Ukuba awukwazi ukufumana inyunyana yekhredithi kwingingqi yakho, khangela uphando.
Kungenzeka ukuba ufumane inyunyana yekhredithi kwenye indawo ukuba uyakufanelekela (khumbula ukuba usenokusebenzisa isebe lenkampani yesikhorensi yendawo yengingqi ukuba iyingxenye yenethiwekhi yeeNkonzo zeCU ).
- Akuqinisekanga ukuba yintoni inyunyana yemboleko? Funda indlela asebenza ngayo: i- Credit Union Basics
Buza
Musa ukuvuselela isondo - cela abantu obaziyo kwaye uthembele ukuba basebenzisana nomanyano wekhredithi kunye nendlela abayithandayo ngayo. Kuhlala kungcono ukuhamba into eqinisekileyo kunokuba uthathe amathuba okuvula i-akhawunti kwisivumelwano semali-mboleko ongayazi nantoni na.
Abahlobo bakho, intsapho kunye nabasebenzi kunye nabo bafana nawe (unayo iimfuno zebhanki ezifanayo). Ukuba bayonwabile kwinkontileka ethile yemali, mhlawumbi uya kuvuya. Lezo zifana (ezinomqeshi omnye okanye ohlala kwindawo efanayo) zithetha ukuba kunokwenzeka ukuba uya kuba nelungelo lokuba ilungu.
Ingaba ufuna ntoni
Ngaphambi kokujoyina inyunithi yemboleko, fumana ukuba ngaba uya kuhlangabezana neemfuno zakho. Inyaniso yokuba uyakwazi ukujoyina ayithethi ukuba ufuna. Iimbono ezimbalwa ukuze uqalise:
- Ukuphonononga imveliso kunye neminikelo yenkonzo (ngaba banayo into oyifunayo?)
- Thelekisa ixabiso lentengo kwiibhanki nakwamanye amaziko
- Thatha i-demo yebhanki ye-intanethi
- Xoxa nabasebenzi-ngaba ufumanisa ukuba bayakwazi, banceda, kwaye uya kuthanda ukusebenzisana nabo?
- Imali yokufundwa kwemali kunye nokuqonda ukuhlawula imali
Zama ukufumana i-credit union engcono kakhulu-kungekhona eyona nto efanelekileyo. Ngamhla ngaphantsi nangaphantsi kwenziwa ngomntu. Unako ukwenza ezininzi iintengiso ngokuzenzekelayo kwi-intanethi okanye ngefowuni, ngoko iindawo zesebe kunye neeyure zingabandakanyi. Amanethiwekhi enkonzo yemanyano yesikweletu enza amasebe angabalulekanga. Ewe, unokufuna ukutyelela isebe lemicimbi enzima okanye ukulungisa iingxaki, kodwa ngokuqinisekileyo ayiyi kuba yinto yemihla ngemihla.
Akhawunti yakho yokuqala
Xa ufumana umdlalo wakho, lixesha lokuvula i-akhawunti. Njengaye nayiphi na enye i-akhawunti, oku nje umcimbi wokugcwalisa ifomu, ukusayina idokhumenti okanye ezimbini, kunye nokuxhasa i-akhawunti. Buza abasebenzi benkonzo yabathengi into oyifunayo - kufuneka kube lula kakhulu ukuvula i-akhawunti yesiseko okanye i-akhawunti yokulondoloza. Uya kufuneka ubonise ukuchonga kwaye uhlawule i-akhawunti nge-deposit modest (ngokuqhelekileyo i-$ 25 okanye i-$ 100, nangona idipozithi ezincinci zinokuthi zilungile).
Xa i-akhawunti yakho iphakanyisiwe kwaye iqhubekile, jonga indlela yokutshintsha ibhanki ngokulula .