Nangona kunjalo, akuthethi ukuba umthengi akakwazi ukukhupha isicelo sokulungiswa kumthengisi othe rhoqo kwaye ucele ukulungiswa okanye ityala malunga neendleko zokuvala .
Kuthetha ukuba umdayisi oqhelekileyo akayibophezeleka ukuba ahloniphe eso sicelo. Kodwa ngaba kunjalo? Ngaba abathengisi bahlawula ukulungiswa? Kulo lonke ixesha, ingakumbi ukuba ukulungiswa kwento yinto engabonakali ngokukhawuleza ekuhlolweni kokuqala, kwaye umthengisi uzimisele ukuvala.
Iintengiso ezimfutshane kunye nezizathu zeBhanki zilahla ukulungiswa
Uthengiso olufutshane, nangona kunjalo, alufani. Ingxenye yenkinga ngokucela ibhanki ukuba yenze ukulungiswa ngokuthengiswa okufutshane okanye ukukhupha umthengi wekhredithi ibhanki mhlawumbi ayilulanga ikhaya lokuthengisa. Ngaphandle kweebhanki ezimbalwa ezifana nokuthengiswa okufutshane kwe-Wachovia okanye ukuthengiswa okufutshane kwe- HAFA ukuqinisekisile ukuthengisa okufutshane, iimveliso ezininzi ezimfutshane azange zivunywe. Kwizinto ezininzi zokuthengisa ezifutshane, umthengisi ngokubanzi ucela ibhanki ukuba ivume ukuthengiswa okufutshane. Ibhanki ayinyanzelwanga ukuba yenzeke.
Unokucinga ukuba ibhanki ikhathalela imeko yekhaya, kodwa ibhanki ayikho. Ibhanki iyakhathalela ukufumana iintlawulo zayo zokuthenga imali kwaye, xa kuthengiswa ukuthengiswa okufutshane, ukufumana ixabiso lentengo yelo khaya.
Nazi izizathu ezimbalwa ezenza ukuba ibhanki inqabe isicelo sokulungisa:
- Ibhanki ayifuni ukulahlekelwa yimali ekuthengiseni.
- Ibhanki yavuma ukuthengisa "njengokuba" imeko.
- Ibhanki ayifuni ukuba yamkele ukuthengiswa okufutshane xa kunokuba kunokwenziwa kwangaphambili.
- Ukuba ikhaya libuyela kwimarike, umthengi olandelayo angeke ahlasele malunga nokulungiswa.
- Umdayisi akanayo imali yokwenza ukulungiswa.
Indlela yokukhohlisa iibhanki zithengisa iibhanki ukuhlawula ukulungiswa
Ngamanye amaxesha amakhaya athengiswayo amancinci atshabalaliswa ngelixa abathengi balinde ukuvunyelwa kweentengiso ezimfutshane , ngokukodwa ukuba ikhaya alikho. Ngokomzekelo, ndathengiswa ngokufutshane kwintengiso e-Roseville engenanto. Amasela atyula i-AC yunithi esuka kwinqanaba elisezantsi kwaye yaqhawula iphaneli yombane. Umthengi wayenokuyichukumisa ibhanki ukunciphisa ixabiso xa umthengi engazange abe nekratshi. Umthengi wacela ityala elilingana namaxesha amane ukulungiswa, ngoko ngokwemvelo, ibhanki inqabile ukuthengiswa okufutshane.
Nantsi inqubo yokwandisa iingxaki apho ibhanki iya kuhlawula ukulungiswa kwintengiso emfutshane:
- Okokuqala, qiniseka ukuba ukulungiswa kuyingozi. Musa ukucela ibhanki ukulungisa izinto ze-nickel ne-dime.
- Nika ityala malunga nesizathu sokuba ungazange ucele ukulungiswa kwisibonelelo sokuqala.
- Fumana ubuncinane iimfuno ezi-3 ezivela kubaqeqeshi abaqeshweyo kwaye uthumele ngesicelo sakho.
- Qaphela ukuba ukuba ibhanki iyavuma ukulungiswa, iya kukhetha ibhanti ephantsi.
- Cela isandiso ukuvala ukuthengiswa okufutshane ukuba ukulungiswa kufuneka kwenziwe ngaphambi kokuvalwa.
- Nika ityala lakho, i-addendum eyenziwe kunye neebhidi kwi-bhanki.
- Yiba nesicwangciso B xa ibhanki ilahla ukulungiswa.
Kanye njengemigqaliselo yokuthenga ukuchithwa kwempahla , iibhanki ezithengiswayo ezimfutshane ngokuqhelekileyo azihlawuli ukulungiswa. Kodwa ukuba unayo ixesha lokulinda impendulo kwaye ityala elungileyo liza kubonisa, kunokubaluleka ukubuza.