Umfundi uyabuza: " Sithengela ekhaya lokuqala abathengi bevale ukuthengiswa kwikhaya lethu elizayo kwiveki elandelayo.Inkampani yenkampani ithi kufuneka sihlinzeke ngemali eqinisekisiweyo yokuvala. Bathi sinokuzisa isheke somthengisi ukuvala okanye senze Ukutshintshela i-wire. Andikho ixesha lokuya kwi-bhanki ukuze ndifumane iteksi yecashier, kodwa umfazi uthi xa sithatha iifowuni, imali ayinakufika kwikampani yenkampani ngexesha. khangela ukuba uvale? "- Abathengi basekhaya beNervous
Impendulo: Umbuzo ogqwesileyo, abathengi basekhaya beNervous. Makhe sibone iimbali ezimbini ezithandwayo malunga nokutshintshwa kwe-cashier kunye nokutshintshwa kwecingo. Iyokuqala kukuba isheke se-cashier asikwazi ukuyihlawula. Ewe, banako. Iitshekhi zeCashier zingatshintshwa zizikhuni okanye ziguqulwe ngumnini-akhawunti. Okwesibini kukuba ukutshintshwa kwefowuni kwangoko. Ukudluliselwa kwefowuni kuthathe ixesha.
I-Chesser Checks isebenza njani?
Umnikazi weakhawunti uya ebhankini kumntu, unikezela ukuchonga kwaye ucele isheke lomthengi kwi-beller. Udinga ukucima imali kwi-akhawunti yakho ukuze ufumane isheke lomqeshi . Nantsi yintoni umthengisi webhanki ethi:
- Ucela igama lomhlawuli / i-payee kunye nenani ladoli ukusuka kuwe.
- Uhlola i-ID yakho
- Iqinisekisa ukuba unayo imali kwi-akhawunti yakho kwaye zonke iipasiti ziye zacinywa.
- Utshintshela isicatshulwa sekhowudi eqinisekisiweyo ngegama lakho kunye negama le-payee.
- Isayina isheke se-cashier.
- Iintloko zisesheke.
Ngokuxhomekeke kubuhlobo bakho nebhankini, ibhanki inokuhlawulisa imali encinci yokudweba isheke lomthengisi.
Unxibelelwano lweFowuni?
Utshintshelo lwefowuni elisetyenziselwa ukuhanjiswa nge-telegraph, kodwa ezininzi iibhanki zithumela i- wire transfer of electronics kule mihla. Inkonzo ezininzi iibhanki zisebenzisa imiyalezo yemali ekhuselekileyo ibizwa ngokuba yi-SWIFT Imele uMbutho kwi-Interbank Financial Telecommunication.
- Unokucela ibhanki yakho ukwenza utshintshelo lomnxeba kumntu, phezu kwefowuni okanye, kwezinye iimeko, kwi-intanethi.
- Ngokuxhomekeke kwibhankini, iimali zingadinga ukuba zifakwe kwi-bhanki ehambelanayo, enokulibazisa ukufumana.
- Iibhanki ezininzi zithumela iifowuni ngamaxesha athile emini, kwaye ulahlekelwa ixesha lokunquma.
- Intambo ingadinga ukuvunyelwa phambi kokuthunyelwa.
Yiyiphi enye ingcono - iTransfer okanye iCashier's Check?
Ngaba unqwenela ukuba ungangena kwikhaya lakho lokuvala kunye nenkunzi enkulu yemali uze ulahle imali edeskini? Kodwa awukwazi. Abavalwa abafuni ukuba uxanduva ludibaniswe nemali eninzi. Ngaphezu koko, iintengiso ezithatha i-$ 10,000 ngemali kufuneka zichazwe kwi-IRS
Ukufumana iteksi yesikhokhethi inokuveza iingxaki ezininzi.
- Ezinye iibhanki zifuna isaziso sangaphambili ngaphambi kokurhoxisa imali eninzi kwaye ikunike yona.
- Hlola kwibhanki yakho ngaphambi kokuba ufune imali.
- Unokudinga ukufaka imali ngokusondeleyo ngosuku ngaphambi kokuvala.
Ukudluliselwa kwefowuni kungabonisa ukungaphumeleli kwakhona.
- Utshintshelo lwefowuni lunokulahleka.
- Amanani anokutshintshwa.
- Ungaphuthelwa umhla wokugqibela weshanga, kwaye awuyi kuphuma kude kube ngumhla olandelayo.
- Umphathi ofuna ukwamkela ucingo unokuphuma.
Kutheni iValiyo zokuVala zifuna iiNgxowa eziqinisekisiweyo zokuVala
Iikhampani zeSihloko , amagosa e-escrow, kunye nabanye abavaliweyo abakwazi ukurekhoda umsebenzi kuze kube yinto elinganayo nemali.
Bamele bobabini umthengisi kunye nomthengi. Bathembisa ukuba umthengisi uya kufumana imali xa umsebenzi urekhodwa. Ba thembisa ukubhala ingxelo xa umthengi efaka imali.
Imithetho esuka kwiphondo ukuya kwilizwe ingahluka. Ngokomzekelo, iCandelo leNkampani yaseCalifornia yeCandelo lika-12413.1 lilawula ukuhlawulwa kweemali ngeenkampani zetayitile. Nazi i imfuno eziphambili:
- Iimali kufuneka zifakwe kwaye zifumaneke ngaphambi kokuhlawulelwa.
- Iimali ezifunyenwe ngotshintsho lwefowuni zihlawulwa ngokukhawuleza.
- IiNgxowa ezifunyenwe ngeteksi yecashier kufuneka zifakwe ngosuku ngaphambi kokuhlawulelwa.
- Iimali ezifunyenwe nangayiphi na enye indlela ziya kulibazisa ukuhlawulwa.
I-TIP: Into enye ebaluleke kakhulu ukuba uyikhumbule xa uthumela imali ekuvaliweyo ukuqinisekisa ukuba imali ivela kumthombo osele uqinisekisiwe ngumboleki wakho.
Ngamanye amagama, ungagqiba ekubeni ngethuba lexesha, mhlawumbi ngenxa yokuba uhamba okanye ungenakukhubazeka, ukuba kulungile, tshela, abazali bakho ukuba bathumele isheke ekuvaleni kwaye uya kubahlawula kamva. Hayi, hayi, hayi. Qinisekisa ukuba imvelaphi yeemali zakho i-akhawunti yakho mboleko iqinisekisile okanye awuyi kuvala ngexesha.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.