Indlela yokuthumela iPhakheji yokuThengisa elifutshane kwiBhanki

Iingcebiso zokubeka i-Package yakho emfutshane yokuthengiswa

Emuva kwiintsuku ezindala - njengama-2006-abathengisi abancinci kunye nabarhente babo babehambisa ipakethe yokuthengisa emfutshane kwi-bhanki nge-FedEx okanye enye inkonzo yokubonisa ubusuku bonke. Kungenxa yokuba iibhanki ziza kulahlekelwa okanye zilahleke ngengozi iphaksi yokuthengisa efutshane ngefeksi. Ezinye iibhanki zazisusa le nxalenye yokuthengiswa kwefutshane kwintsebenziswano yabasebenzi belizwe langaphandle. Kwakubuhlungu, ukuthetha ubuncinci.

Ngenxa yoko, ezinye iibhanki ziphendulele kwi-software yolawulo lwe-software.

KwiBhanki yaseMerika ukuthengiswa okufutshane , umzekelo, phakathi kwabanye, zonke izibonelelo zilayishiwe kwi-inthanethi, ngaphandle kweentlobo ezithile ze- HAFA zokuthengisa ezifutshane . Ibhanki yaseMelika yayinguvulindlela. Kodwa iibhanki ezininzi zikhetha ukufumana amaxwebhu ngendlela endala, nge-fax machine. Kungcono ukucela ngaphambi kokuhambisa iphakheji lakho elifutshane lokuthengisa.

Amaphepha adingekayo kwiPhakheji elithengisayo elifutshane

Iibhanki ezimbalwa ziye zahlengahlengisa inkqubo yokuthumela ipakethe yokuthengisa emfutshane. Ezi mabhanki zinokuthumela amaxwebhu abo kunye ne-logo yebhanki, kodwa akusoloko kuyimfuneko ukuyigcwalisa, ngoko uqinisekise. Ukulandela uluhlu lwamaphepha adingekayo ngawo onke amabhanki ukuthumela okufutshane:

• Isivumelwano sokuLawulwa kweziThuthi

  Ibhanki ifuna ukubona xa ipropati ifike kwiimarike, igama le-brokerage eliyibhale kuyo, ixesha lokubhala uluhlu kunye nenani lekhomishini. Ngokuqhelekileyo akuyiyo ingcamango efanelekileyo yokuthumela isipho esicacile kakhulu kunoluhlu lwamaxabiso ukuba ikhaya liye lithengiswa iintsuku ezimbalwa nje. Amabhanki asisilumko.

• Ikhontrakthi yokuthenga ngokupheleleyo

  Ayikho yonke ibhanki iya kwamkela isivumelwano sokuthenga esasayinwe ngekhompyutha. Unokudinga iimpawu ezisemgangathweni kwisivumelwano. Isivumelwano esingaphelelanga sinokubangela ukulibaziseka. Qinisekisa ukuba idilesi yepropati iboniswe ngokupheleleyo, yonke indawo kwindawo yokuqala iyaqalwa, kwaye isivumelwano sihleliwe kwaye sisayinwe ngabo bonke amaqela, kuquka, ukuba kuyimfuneko, ngabaphathi bezindlu .

• Ileta Yokunyanzela Umthengisi

  Ileta yobunzima mhlawumbi inxalenye ebaluleke kakhulu yephakheji elifutshane lokuthengisa. Kufuneka ixele ibali malunga nendlela abathengisi abaye ngayo kwiimeko zabo zangoku, oko bayenzile ukufumana isisombululo nokuba kutheni kungekho zicwangciso ngaphandle kweentengiso ezimfutshane ezikhoyo. Kumele ibe nenombolo yemboleko, kwaye isayinwe kwaye idatswe.

• Ileta yokuGunyazisa

  Ezinye iimbosa zithumela ileta yokugunyazwa kunye nephakheji elifutshane lokuthengiswa kwaye ezinye zikhetha ukuhambisa ileta xa kuqaliswa ukufakwa. Le leta isayinwe ngabathengisi kwaye igunyazisa ibhanki ukuba ithethe ne-arhente yohlu. Ngaphandle kwencwadi yokugunyazwa, i-agent ye-estate ayikwazi ukuthetha ngokuthengisa okufutshane .

• IiNkcazo zokugqibela zeBhanki zokugqibela

  Zonke izitatimende zebhanki, kuzo zonke i-akhawunti yebhanki iyadingeka ukuba ithunyelwe. Ngaphambili nasemva. Ukuba kukho iipositi ezinkulu okanye ukurhoxisa kulezo nkcazo, ungafuna ukufaka inkcazo eyahlukileyo kuba umprosesa uya kucinga ngoku. Phendula umbuzo ngaphambi kokuba ucelwe.

• Ukugqibela oku-2 kweRhafu

  Hambisa njengenxalenye yephakeji yakho emfutshane yokuthengisa, irhafu yakho yentlawulo ye-federal kwiminyaka emi-2 edlulileyo, isayinwe kwaye idatshiwe, yonke i-shedyuli kunye nephepha ngalinye. Ukuba awuzange ufake iirhafu zakho zerhafu kwiminyaka emi-2 edlulileyo, kuya kufuneka uquke ileta yeenkcazo kunye nezandiso.

• Ukugqibela kwe-2 W2

  Iminyaka emibili yokugqibela ye-W2s iya kutyhila umvuzo wakho njengoko kuchazwe ngumqeshi wakho kwi-IRS. Ukuba usebenza ngokuziqhelisela, kuya kufuneka ukuba uthumele i-1099s kunye nenzuzo nenkcitho yokulahlekelwa.

• Ii-stubs zokugqibela ezimbini zokuhlawula

  Kungakhathaliseki ukuba uhlawulwa njani, ingaba inyanga zonke, ngeveki okanye ngeenyanga-ntlawulo, zingenise ii-stubs zakho zokugqibela zokugqibela. Ukuba ufumene ibhonasi okanye nayiphi na inyuselo engavamile yomvuzo, unokufuna ukufaka inqaku elichaza ukunyuka ngokukhawuleza.

• I-HUD-1 eqikelelwayo

  I- HUD-1 yinkcazo yokuvala eqikelelwa ngokubanzi eyenziwa ngugosa elisondeleyo okanye igosa. Iqulethe idilesi yepropati, amagama abadayisi, amagama abathengi kunye nomhla wokuvala oqikelelwayo. Ndisebenzisa umhla wokuvala okungenani iinyanga ezintathu. Iindleko nganye zentengiso yinto ehlukeneyo kwi-HUD. Ngenxa yokuba i-HUD yatshintshwe ngo-2011, abanye abavalelweyo bathumela iphepha lokusebenzela ukuze ibhanki ikwazi ukuqonda i-HUD. I-HUD ayikho umbhalo olula.

Amanqaku angeNgezelelweyo kwiPhakheji lakho lokuThengisa elifutshane

Ukuba unesizathu sokukholelwa ukuba intengo yokuthengisa inganqatshwa okanye ibingelwe yibhanki, unokuba ufuna ukucela i-agent yakho ye-real estate ukuba ifake uhlalutyo lwemakethi olufana ne- CMA kunye nephakheji lakho elifutshane lokuthengisa. I-CMA kufuneka iqikelele intengo yokuthengisa.

Ukuba ikhaya lifuna ukulungiswa, zibandakanya ubuncinci bokuqikelela ukulungiswa kwezi-3. Qaphela, ewe, ukuba ibhanki iya kukhetha ukulinganiswa okuphantsi kokulungiswa.