Yintoni i-Levy yeBhanki, kwaye isebenza njani?

Indlela yokuMisa umrhumo

Akukho mntu onokukunyanzela ukuba wenze iintlawulo, kodwa iirekhsi zebhanki zinikela abathengi ithuba lokuqokelela amandla xa uhamba emva kweentlawulo . Kodwa oko akuthethi ukuba awunamandla. Kwezinye iimeko, kunokwenzeka ukukhusela i-levy, ngakumbi xa imali kuphela kwi-akhawunti yakho ivela kwiintlawulo zamazwe.

Yenza njani i-Levy yeBhanki

Imali yebhanki iyisenzo somthetho esivumela ababolekisi ukuba bathathe imali kwi-akhawunti yakho yasebhanki.

Ibhanki yakho igxotha imali kwi-akhawunti yakho, kwaye ibhanki iyadingeka ukuba ithumele loo mali kubathengi banelise ityala lakho.

Ukuba umboleki-mali ufuna imali kwi-akhawunti yakho yasebhanki, umbolekisi kufuneka anike isicelo kwisebhanki yakho ibonisa ubungqina besikweni somthetho malunga nawe.

Isixwayiso sangaphambili: Xa umboleki-mali wakho enze eso sicelo, ibhanki yakho iya kufaka iakhawunti yakho ikhutshwe kwaye ihlolisise imeko. Kodwa unobhanki unako okanye unokukwazisa ukuba intela yebhanki iyaqhubeka-kwaye ababolekisi bangenakukuphawula. Nangona kunjalo, ityala liyiqhinga abathengi abayisebenzisa kuphela emva kokuba bayeke ezinye iindlela zokuqokelela kuwe. Ngokuqinisekileyo, ngelo xesha, uyazi ukuba ababolekisi bathabatha amanyathelo omthetho kwaye bazama ukufumana imali kuwe.

Iingxabano: Ufanele ube nethuba lokuphikisana nomrhumo. Ukwenza oko kunokukunqanda okanye ukunciphisa inani lemali ababolekiweyo abanokuyithatha kwi-akhawunti yakho.

Ukuba awuthathi nanyathelo, unako ukubolekisa iakhawunti yakho i-akhawunti, okwenza kube nzima ukuhlawula iindleko ezibalulekileyo. Unokugqiba ukuhlawula iireki kunye nokuhlawula iimali ezongezelelweyo emva kweminye imibutho. Ngaphezulu ibhanki yakho ihlawulisa imali ukuba uhlawule umrhumo.

Ukuba awuqinisekanga ukuba ngubani ohlawula i-akhawunti yakho, ibhanki yakho kufuneka ikwazi ukubonelela ngolwazi lomnxeba kumthengi.

Iindlela zokuMisa iRhafu

Iibhanki zeBhanki ziyakwazi ukuqhubeka de ihlawulwe ngokupheleleyo ityala lakho, kwaye linokusetyenziswa rhoqo. Ukuba awunayo imali eyaneleyo kwi-initial yokuzama, abathengi banokubuyela emva kwamaxesha amaninzi.

Kodwa unako ukukhusela kunye nokunciphisa iirhafu kwiakhawunti yakho. Thetha nommeli wengingqi (imithetho iyahluka ukusuka kummandla ukuya kummandla) ukufumana ukuba yeyiphi indlela enokuyenza. Iindlela ezimbalwa ezikhoyo zidweliswe ngezantsi.

• Iphutha lomgcini-mali: Ukuba awukweleta imali, unokulwa nomvuzo kwaye uthintele umboleki ukuba aqhubeke phambili. Le ndlela ingasebenza xa sele uhlawule ityala, okanye ukuba imali ayiyiyo.
• Ububi besazisi: Ukuba ulixhoba lobusela, ungabonisa ukuba awuzange ufumane iimali.
• I-matyala endala: Ukuba ummiselo wokunciphisa udlulile, umboleki wakho makangenalo igunya lokuqokelela kwi-akhawunti yakho.
• Akukho saziso: Ukuba umboleki-mali wakho akazange akuxelele naziphi na izenzo zomthetho, awuzange usebenze ngokusemthethweni kwaye uvumeleke ngokusemthethweni, kwaye kunokwenzeka ukuba unqume nayiphi na isenzo somthetho esizayo malunga nawe.
• Ukuphazamiseka: Ukufakela i-bankruptcy kunokumisa inkqubo, ubuncinane okwethutyana.
• Ingxoxo: Naluphi na isivumelwano ofikelela kunye nabathengi bakho abanokumisa inkqubo. Kungakufanelekile ukuzama ukuxoxisana ukuze ukwazi ukuthatha ulawulo malunga nale meko.

Umthombo weemali unemiba. Ngokuxhomekeke kwindlela onayo ngayo imali kwi-akhawunti yakho, kungenakufumaneka kubabolekisi. Ibhanki yakho kufuneka icinge ukuba ibhalansi yakho yeakhawunti iqulethe imali ekhuselekileyo, kodwa izinto zinokuba nzima ukuba unayo iipasiti kwimithombo eyahlukeneyo.

• Iintlawulo ze-Federal: Iinzuzo ezifana neentlawulo zeNtlalo yeNtlalo okanye iimpesheni zomqeshwa zedolophu zikhuselwa ngokuqhelekileyo. Nangona kunjalo, ukuba unemali kwi-federal government, awunandiphelo olukhuselekileyo njengokuba ungayinayo umboleki-mali.
• Ukuxhaswa kwabantwana: Imali oyifumene neentlawulo zenkxaso yabantwana ingahlawulwa kwakhona kwiqoqo. Nangona kunjalo, ukuba ungasemva kwenkxaso yabantwana, kunokuba lula kwi-ex ukuthepha i-akhawunti yakho yasebhanki.

Ngubani owalinda iAkhawunti?

Iintlobo ezahlukeneyo zabathengi-mali zingabangela uxanduva.

I-IRS kunye neSebe lezeMfundo baxhomekeke ngakumbi ukusebenzisa iirhafu, kodwa ababolekisi bamacala (ababolekisi, abafumana inkxaso yenkxaso yabantwana, njalonjalo) banokukuphumelela isigwebo ngokuchasene nawe kwaye bahlawule i-akhawunti.

Ukuba unetyala kwaye awukwazanga ukufikelela kwisivumelwano naliphi na umboleki, kukulungele ukuba balindele ukuba bangasebenzisa umrhumo njengesicwangciso sokuqokelela imali.

Fumana Uncedo Lwezomthetho

Kwakhona, kubalulekile ukufumana iingcebiso kummeli wendawo oqhelene nesimo sakho nanini na unokujamelana neengxaki zomthetho. Eli phepha liyi-generalview, kodwa imithetho iyahluka ukusuka kummandla ukuya kutsho, kwaye izinto ziguquka ngexesha. Ngaphezu koko, imeko yakho ihlukile. Ukubhenela i-levy yinkqubo enzima, kwaye kufuneka ufune ukuxubusha lakho icala. Ababolekisi baya kwenza konke abakwaziyo ukuxela ukuba imali kwiakhawunti yakho ayixolelwe.