Yiyiphi iMithetho yokuLungisa iMboleko?
UMthetho wokuLungiswa kweMboleko ngumthetho wenyuso owenzelwe ukukhusela abathengi kwiikhampani zokulungisa iikriti.
Umthetho uhlose ukuqinisekisa ukuba abathengi abagqibayo ukusebenzisa iinkonzo zokulungisa iitaliti bayazi ngamalungelo abo kwaye banako ukwenza isinqumo esinolwazi malunga nokukhetha ukuhlawula inkampani yokulungisa iitaliti.
Intlangano yokulungisa iitaliti yeyiphi na umntu okanye ishishini elithatha imali ngokutshintshiselwa ekuphuculeni ikhredithi yakho, kodwa ayibandakanyi iibhanki, i-arhente engenzi-nzuzo, kunye nabaniki bekhadi lesikweletu.
Izilungiso kwimibutho yokulungisa iitaliti
Nazi izinto ezimbalwa iinkqubo zokulungisa iitaliti ezingenakwenziwa ngokomthetho phantsi kwe-CROA:
- Uxoke okanye ucebise ukuba uxoxe ngomlando wakho wekhredithi kwi-yakho yangoku okanye abazayo
- Cwangcisa ubuni bakho, umz. Thola i-EIN entsha (iNombolo yoLwazi lwabaSebenzi) okanye i-ID entsha, ukuzama ukufumana i-credit history
- Ukungafani kakuhle neenkonzo ababonelela zona
- Buza ukuba uhlawule iinkonzo ngaphambi kokunikezelwa
Umthetho ufuna ukuba intlangano ikunikezele ngokubhengezwa okubizwa ngokuthi "Amalungelo eFayili aThengi aMalungelo phantsi koRhulumente kunye noMthetho weSithili" okukuvumela ukuba ukwazi ilungelo lakho lokufumana ingxelo yekhredithi kunye nokuphikisana ngolwazi oluchanekileyo ngokwakho.
Unelungelo lokumangalela intlangano ngokuphulwa kwe-CROA.
Imfuno zekhontrakthi yokulungisa iitaliti
Ngaphambi kokuba inkampani yokulungisa iitaliti inokwenza nayiphi na inkonzo, kufuneka unike isivumelwano, kufuneka usayine isivumelwano, kwaye ixesha lokuchithwa kweentsuku ezi-3 kufuneka liphele. Isivumelwano kufuneka sibandakanye oku kulandelayo:
- Imali yentlawulo efunekayo
- Inkcazo yeenkonzo eziza kwenziwa ukwenzela ukulungisa i-credit yakho
- Uqikelelo lwexesha eliza kuthatha ukugqiba iinkonzo (okanye umhla apho iinkonzo ziya kugqitywa khona)
- Inqaku elibonakalayo likuxelela ukuba unako ukurhoxisa isivumelwano kwisithuba seentsuku zeentsuku ezi-3
Unelungelo lokukhansela inkontileka esayiniweyo kwiintsuku ezintathu zoshishino. Inhlangano ayikwazi ukukuhlawula imali yokucinywa kwesi sikhashana nje xa senziwa ngexesha elichaziweyo. Inkontileka yakho kufuneka ifake iSaziso soNqatshulwa ifom ongayigcwalisa kwaye ubuyele ekukhonteni isivumelwano.
Ukulwela amalungelo akho
Inhlangano yokulungisa iitaliti ayikwazi ukukucela ukuba usayine nayiphi na ifom yefomu ekhishwa amalungelo akho phantsi kwe-CROA. Naluphi na ukushiya okusayinayo kuthathwa njengento engekho nto kwaye ayikwazi ukunyanzeliswa ngu-federal okanye urhulumente.
Ukuxhatshazwa
Imibutho ephula umthetho ingahlawuliswa ngokwenene, imonakalo yokugweba, kunye neentlawulo zommeli. Ungabika ukuphulwa kwiBhodi yoKhuseleko lwezeMboleki, ummeli wakho welizwe jikelele, kunye nefayile yefayile kwimeko yakho.
Uneminyaka emihlanu ukususela ngomhla owenziwe ukuphulwa (okanye umhla owafundileyo ngokuphula umthetho) ukuthatha inyathelo kumbutho.