Bhala uluhlu lwakho olusisigxina kunye nolungabalulekanga kwiShedyuli E entsha
Esikhundleni seefom ezimbini ezihlukeneyo, ngoku kukho enye ifomu, iShedyuli ye-E / F, Ababolekisi abanezibango ezingakhuselekanga kuwe. Nangona bonke abathengi abanokulondolozwa baya kubalwa kule fomu, kusekho imfuneko ukuhlula phakathi kwamabango angundoqo kunye angabalulekanga ngoba kukho amacandelo amafomu anikezelwe kulolu hlobo ngalunye.
(Le fomu isetyenziselwa ukubizwa ngokuba yiShedyuli ye-E / F-Abathengi abanezibango ezingakhuselekanga. Ukuba usebenza kwelinye lale, okanye ifomu ebizwa ngokuba yiShedyuli E okanye iShedyuli F, akufanele ukuyisebenzise.)
IShedyuli ye-E / F ingadideka kwaye iyanzima ukuba abaninzi abanetyala bazalise. Kumele ube nesibambiso phakathi kombambano okhuselekile kunye netyala elikhuselekile, kwaye uyazi ukuba zeziphi izikweletu ezingalindelekanga zinikezelwa kwindawo ephezulu.
Amatyala angakhuselekanga a matyala angenayo imali yokubambisa imali yabo yokubuyisela. Ziquka amakhadi enkredithi, iindleko zonyango, iirhafu, inkxaso yenkxaso yabantwana, i-alimony, iintlobo ezahlukahlukeneyo zemali-mboleko yemali, iintlawulo ezidlulileyo zeenkonzo kunye nerenti, nokuba ngu-IOU kumzalwana wakho.
Kukho ifom ehlukeneyo yamatyala aqinisekileyo njengemali yokuthenga imali kunye nemali-mboleko yemoto. Funda iShedyuli D.
Ngaphandle kwemiyalelo kwiShedyuli ye-E / F, kunzima ukwazi ukuba ityala elithile elingakhuselekanga liphambili okanye cha. Ngokubanzi, amabango asemqoka ayengenako ukuhlawulwa kwi-bankruptcy okanye abanelungelo lokuhlawulwa ngaphaya kwamanye abathengi ukuba umphathiswa we- bankruptcy anakho nayiphi na impahla ukuze ahlawule ukuhlawula abathengi.
Ukuba awuqinisekanga malunga nendlela yokubonisa ityala lakho, kufuneka udibane nommeli ongenamava. Ukuba uhluleka ukuzalisa ifom ngokuchanekileyo, okanye ukuba ungayichazi kakuhle ityala lakho, unokwenza unyanzele amalungelo akho.
Icandelo I: Bhala uluhlu lwakho lokubaluleka olungenakuthenjiswa
Iintlobo zeziBango eziPhambili
Iphepha lokuqala loShedyuli E / F lenza njengemephu yendlela ukuze uzalise loxwebhu. Kukho amabhokisi amaninzi kuwe ukuba uhlolisise uhlobo oluthile lwamabango ephambili okhoyo. Ukuba awunayo ibango eliphambili, khangela ibhokisi "akukho". Iindidi zamabango aphambili zibandakanya:
- uxanduva lwekhaya
- Ukwandiswa kwekhredithi kwimeko yecala lokungabikho
- umvuzo / umvuzo / iikhomishini
- igalelo kwizicwangciso zempesheni zabasebenzi
- amabango kumafama athile kunye nabalobi
- idiphozithi ngabanye
- irhafu kunye namatyala ahlawulwa oorhulumente
- izibophelelo zokugcina inkunzi yesikhungo se-depository, kunye
- amabango okufa okanye ukulimala ngelixa umboleki enxila.
Umqashi
Bhala uluhlu lwegama lomthengi, idilesi kunye nenombolo ye-akhawunti.
Ingeniso leTyala?
Kwakuphi na ibango? Bhala phantsi umhla ongenanto.
Ngaba Uphikisana namatyala?
Ngaba uphikisana netyala, okanye ubiza ukuba lingekho okanye alivumelekanga?
Khangela enye okanye ngaphezulu kwezi bhokisi zokukhangela zibonisa oku. Amabango angagunyaziswanga ngabo awanakubalwa manani. Ibango elithintekayo lingazange livele, kodwa lihambelana nesiganeko esilandelayo.
Uhlobo lweTyala eliPhambili
Ingaba ityala lexanduva lokuxhaswa ekhaya, iirhafu, izibango zokulimala okanye "ezinye?"
Inani leBango
Le kholomu ichanekileyo - kufuneka uyixelele kuphela inani lebango kwiidola.
Inani eliPhambili kunye neNkcitho yangaphandle
Buchaza ukuba ininzi ibango ngalinye linelungelo lokubaluleka kokubaluleka kunye nokuba uninzi lwetyala elingenanto.
Ngubani Owenzele Ngamatyala?
Hlola ibhokisi ukubonisa ukuba yeyiphi i-filer ejongene netyala.
Ingaba isiBango sokuBangelwa kwi-Offset?
Ibango liyakuxhoxiswa xa unetyala lomthengi, kodwa umbolekisi uhlawula imali. Ibango eliqhelekileyo le-offset livela xa unetyala kwi-Big Bank kwaye unayo i-akhawunti yokukhangela apho.
Ngenxa yokuba iBhanki enkulu ibambe imali yakho, iBhanki enkulu inayo imali kuwe. Kwezinye iimeko, iBhanki enkulu inokukwenyusa into omele uyenze ngayo malunga nokuba uyayifumana ntoni ngokuthatha into omele uyihlawule ngayo.
Qaphela: Iziphumo zoBalulekileyo kwiimangalo ezingakhuselekanga
Amabango angakhuselekanga aya kuhlawulwa ngaphezu kweyiphi na ibango, ngaphandle kweebango zokuphatha (njengemirhumo ye- trustee ). Lo mbandela awuchaphazeli kakhulu umboleki, kodwa ngokuqinisekileyo uyatshintsha isiphumo sokusasazwa kwabanye ababolekisi. Nangona kunjalo, njengoko kuthethwa ngazo ngaphambili, amaninzi amabango angundoqo awanakho ukukhutshwa , njengemithwalo yokuxhaswa ekhaya , irhafu ethile, kunye neebango zokufa okanye ukulimala ngexesha lixakile . Oku kuthetha ukuba nangona kufakwa i-bankruptcy, abo babolekisi banokufuna ukuqokelela ityala ngokukugxeka okanye ngokusebenzisa ezinye iindlela zomthetho xa icala le-bankruptcy seliphelile.
Icandelo 2: Bhala uluhlu lwakho lokungabikho kwempahla
Ulwazi oluza kubonelela ngeemali ezingenalo mhlaba zifana kakhulu. Ezi ziza kubandakanya amakhadi e-credit, iibhilidi zonyango, iimboleko zemali, irhafu endala nantoni na enye engagcinwanga okanye ephambili. Phawula ibhokisi elifanelekileyo Ukuba ityala liboleka imali, iitalato ezivela kwisivumelwano sokuhlukana okanye umtshato, ityala lomhlala phantsi okanye isicwangciso sokwabelana ngenzuzo. Ngaphandle koko, phantsi kwe "enye" uchaza ukuba luphi uhlobo lwetyala.
Icandelo 3: Bhala abanye ukuba baxelelwe ngamatyala oye wawabhala ngawo
Ngamanye amaxesha omnye umntu okanye inkampani kufuneka idibaniswe, njengenkampani yomthetho, i-arhente karhulumente, okanye umqokeleli-mali, ukuqinisekisa ukuba bafumana isaziso se-bankruptcy.
Icandelo 4: Hlanganisa iImali kwiNdawo nganye yeNgcaciso engaphephile
Esi sisishwankathelo seShedyuli ye-E / F.
Ukuze ufunde kabanzi malunga nazo zonke iishedyuli ezifakwe kwimeko ye-bankruptcy, tyelela iisiseko zeeShedyuli ze-Bankruptcy .
Uhlaziywe ngo-Matshi 2018 nguCarron Nicks