Izinzuzo zeManyano yeMatyala

by UMiriam Caldwell

Abantu abaninzi abaqapheli ukuba inkontileka yekhredithi ingaba neenzuzo ezininzi kwiibhanki. Akuqhelekanga ukuva izikhalazo malunga neemali zenkonzo, inzala kunye nezinye izinto iibhanki ezenzayo. Khumbula ukuba awubanjwanga kwibhanki yakho . Imanyano yemboleko inabantu abanomkhalazo, kodwa ngokusoloko izikhalazo zincinci. Ihla kwelokuba kukho imodeli yezohlukeneyo yezohwebo ezilandelwayo. Oku kwenza ukuba banamathengi abanomdla kunabhanki.

01 Iimanyano zetyala zibeka abathengi kuqala

Xa uvula i-akhawunti kunye ne-credit union, uba ilungu le-credit union. Inkontileka yekhredithi isebenza nceda amalungu ayo okanye abanini-nxaxheba, kwaye abanabanini-zimpahla. Oku kutshintsha ingqalelo ekudaleni inzuzo enkulu ekugxininiseni ekudaleni inkonzo enhle kakhulu yabathengi kunye nenkxaso enokwenzeka. Ukutshintshwa kuthetha ukuba ezininzi zeenkqubo zinabantu abanomdla kakhulu. Ezinye iinkontileka zeentengo zemali ziya kuba neentlanganiso apho ungavota kwiimigaqo-nkqubo ezungeze i-akhawunti yakho.

Oku kunokuthetha ukuba inkontileka yekhredithi iya kuba nemigaqo-nkqubo enomdla xa wenza iphutha okanye unembali yengeniso embi. Ukongeza, unokufumanisa ukuba abameleli bazimisele kakhulu ukusebenza nawe xa ufumana kwiimeko ezinzima.

02 Iimali Eziphantsi

Enye yeendawo iibhanki zenza imali kwiimirhumo. Imirhumo ehambelana nomanyano weentengo zemboleko ithambekele kuncinci kunebhanki. Imirhumo yokudlulisa iphantsi, kwaye ngokuqhelekileyo akukho mali e-ATM ehlawulwa ngumanyano wekhredithi. Iipolisi ze-overdraft zibhetele, kuba iintlawulo ze-overdraft ziba ngumenzi omkhulu wemali ebhanki. Imali ephantsi ithetha ukuba unako ukugcina imali ngokubhanka kwi-credit union. Imanyano yezikweletu kufuneka ikuncede ukuba ungayiphepheli imali ephezulu yebhanki.

Imirhumo ingabandakanya iifizi zenyanga zenkonzo okanye iimali zokuqala zemali mboleko. Qinisekisa ukuba ufunde ngokucophelela imigaqo kunye nezikhokelo zezinye iirhafu ozigqityayo.

03 Iingeniso eziNcedo ezingcono

Imanyano yemali-mboleko inikezela ngezinga eliphezulu lokugcina imali kunye nexabiso lentlawulo ephantsi kwimali-mboleko. Ekubeni abaxhomekeke ekukwenzeni inzuzo, kodwa kunoko nje bafuna ukugqithisa iindleko zokusebenza badlulisela amazinga athile angcono kumakhasimende abo. Imilinganiselo yemigangatho ingaphantsi kakhulu kumbolekisi, kwaye unakho ukufumana izilungiso ezongezelelweyo xa uhlawulelwa ngokuzenzekelayo. Iirhafu zomyinge kwi-akhawunti ye-deposit ziphezulu kuneendawo ezininzi zebhanki, nangona zingenako ukuphakama kweebhanki kwi-intanethi.

Ekubeni inyunyana yeebhanki ayijolise ekuqhubeni inzuzo, kodwa ukukhonza umthengi, kungcono ukukwazi ukulinganisa amaxabiso. Oku kuthetha ukuba amalungu asebenza kangcono. Unokwazi ukugcina imali ebonakalayo kwimali-mboleko yakho yemoto kunye nemali yokuthenga.

04 Ukuthanda Ukusebenza Nakho

Inkontileka yekhredithi ingaba nokulungele ukusebenza nawe xa unesikolo esibi okanye esilungileyo okanye unobunzima bokufaneleka. Abaphathi bemboleko baya kudibana nawe ngokukhawuleza kwaye basebenze ukufumana imboleko eyokusebenzela. Ukuba unomdla wokufumana imali yokuthenga imali, kodwa unomlando weebhanki ohluphekileyo, ngoko umanyano wekhredithi unokuba yindlela efanelekileyo yokuyisebenzisa. Baya kunika neenkqubo eziza kukunceda ufumane ulawulo lwabiwo-mali okanye uvumele ukuba uhlawule iindleko ezingalindelekanga.

Ukuba unesityala esilungileyo, qiniseka ukuba ungena uze ufake isicelo somboleko kumntu. Ezinye iimanyano zetyala zine-intanethi yesicelo, kodwa ukuba usebenza kumntu unethuba lokuchazela nayiphi na imeko enokukuchaphazela.

05 Ukufaneleka ukujoyina

Imanyano yemboleko ineemigaqo malunga nokuba ngubani onokuzibandakanya nabo. Le mithetho ingahlala kwindawo ethile yendawo, isebenze kumqeshi othile okanye ukuya esikolweni. Emva kokuba ujoyine inyunithi yemboleko ungahlala ilungu lobomi, nokuba uyeka ukudibana neemfuno zamalungu okuqala. Basenokuba nemfuneko yokuba ulondoloze okanye wabelane ngeakhawunti ehlala evulekile ukuze ugcine ubulungu bakho. Xa unayo loo akhawunti unokuboleka imali, vula i-akhawunti yokutshekisha okanye uthabathe inyunyana yemboleko.

Kungathatha uphando, kodwa ukufumana inyunyana yekhredithi onokuyisebenzisa kuyakufanelekela umzamo. Abaqeshi abaninzi abaninzi banikela. Ukuba awusebenzi kumqeshi omkhulu, unokufuna ukujonga indawo yokuhlala ukuze ufumane enye.

06 I-Credit Union Guarantee

Imanyano yesikweletu ayiyiyo ye- FDIC , kunoko i-National Credit Union Association. Oku kwenza into efanayo ne-FDIC kwiimanyano zesikweletu. Uya kuba nenani elifanayo lemali eqinisekisiwe njengoko uyenzayo ukuba uvula i-akhawunti yakho nebhanki. Oku kuthetha ukuba ukuba i-credit union ayizange ifumaneke isiqinisekiso semali yabo ukuya kuma-250,000. Kufuneka uqinisekise ukuba umanyano wakho wemali-mboleko ungoko-mbutho, ngoko unesiqinisekiso semali.

07 Iingxaki zeCredit Union

Okukuphela kokungalungi kwimbutho yekhredithi kukuba bathambekele ekubeni bancinci, oko kuthetha ukuba unokufumana ixesha elinzima ukufumana isebe okanye i-ATM xa uphuma kwaye malunga. Uninzi lwemanyano yeentengo zemboleko ayiyi kuhlawula iindleko zokusetyenziswa kwe-ATM, kodwa kuya kufuneka uhlawule nayiphi na imali ehlawulwa yi-ATM. Ukuba uhamba ezininzi okanye ukuba usebenzisa ii-ATM rhoqo, ngoko umanyano wekhredithi awunakuba yinto ekhethekileyo kuwe. Enye indlela yokwenza uninzi lwebhankini yakho ngumbutho wesikweletu kwaye ube nekharityhulam yokujonga ngeteksi oyisebenzisayo ukujonga iindleko xa uhamba.