Isaziso sokuDluliswa koBunini beMali-mboleko yeKhaya
Ukufumana imali-mboleko kungaphezulu nje kwezavenge zenyanga. Kufuneka kwakhona uhlawule iirhafu ezifana nerhafu kwizenzo zomthetho ezibhaliweyo (Umsebenzi weSitampu) kunye neentlawulo zovavanyo, iingxelo zeengcali kunye namagqwetha. Abantu abaninzi bajongela phantsi inani leentlawulo kunye neendleko ezongezelelweyo.
Le yintlawulo yemveliso yemali-mboleko, ngamanye amaxesha eyaziwa ngokuba yimali yemveliso okanye umrhumo wokuvala. Ngamanye amaxesha inokongezwa kwi-mortgage, kodwa oku kuya kwandisa imali oyityalayo, inzala kunye neentlawulo zenyanga.
Kuya kufuneka ujonge ukuba ikhomishini iyabuyiswa na xa imali yokubambisa ingaqhubeki. Ukuba akunjalo, kunokwenzeka ukuba ucele ukuba umrhumo wongezwe kwi-mortgage uze uyihlawule emva kokuba isicelo samkelwe kwaye uqhubeke phambili.
Ngamanye amaxesha ihlawuliswa xa isivumelwano se-mortgage siceliwe kwaye ngokuqhelekileyo ayibuyiswa nokuba i-mortgage ayiqhubeki. Abanye ababoneleli bemali-mboleko baya kuyibandakanya njengenxalenye yentlawulo yemvelaphi, ngelixa abanye baya kuyongeza kuphela ngokuxhomekeke kubungakanani bemali-mboleko.
Umbolekisi uya kuxabisa ipropati yakho kwaye aqinisekise ukuba inexabiso lemali ofuna ukuyiboleka. Abanye ababolekisi abayihlawulisi le khomishini kwimisebenzi ethile yokubambisa. Unako kwakhona ukuhlawulela uphando lwakho lwepropati ukuchonga naluphi na ukulungiswa okanye ukulungiswa okunokuthi kufuneke.
Amazinga e-Mortgage e-UK
Uninzi okanye zonke izinikezelo kule ndawo zivela kwiinkampani apho abangaphakathi babuyekezwa (uluhlu olupheleleyo, bona apha). Iingqwalaselo zentengiso zinokuphembelela indlela kunye nalapho iimveliso zivela khona kule ndawo (kubandakanywa, umzekelo, ukulandelelana kwazo), kodwa azichaphazeli naziphi na izigqibo zokuhlela, ezifana nokuba zeziphi iimveliso esibhala ngazo kunye nendlela esizivavanya ngayo. I-Personal Finance Insider iphanda uluhlu olubanzi lweentengiso xa usenza iingcebiso; nangona kunjalo, asiqinisekisi ukuba ulwazi olunjalo lumele zonke iimveliso okanye unikezelo olukhoyo kwimarike.
Ukuhanjiswa kwe-wire yindlela ekhawulezayo yokuhambisa imali - olu hlobo lokudluliselwa lungathumela imali ngokukhawuleza kwi-akhawunti yakho yebhanki. Nangona zinokuba lula, ukudluliselwa kwebhanki kunokuthwala imirhumo ephezulu. Intlawulo oyihlawulayo ukudlulisa imali iya kwahluka ngokuxhomekeke kwindawo oyithumela kuyo kunye nebhanki oyisebenzisayo ukuthumela imali.
I-Citibank, njenge-Chase Premier kunye ne-Chase Sapphire checking akhawunti, ikwabonelela ngokudluliselwa kwe-wire simahla, kokubili okungenayo kunye nokuphumayo, kunye nokurhoxiswa kweentlawulo zokudluliselwa kubathengi abane-akhawunti ye-Citigold Private Client, kunye nezaphulelo kwii-wire transfers kubathengi be-Citi Priority. Yenza ugqithiselo ngocingo kwi-intanethi Ugqithiso lwengcingo olwenziwe ngefowuni okanye ngokobuqu lungabiza kakhulu kwezinye iibhanki. Ukwenza utshintshiselwano ngewebhusayithi yebhanki kunokunciphisa imirhumo. Kubathengi be-Chase Bank, umzekelo, ukuqalisa ukudluliselwa kwi-intanethi kunokugcina i-$ 10. Ukufumana ukudluliselwa kwi-akhawunti yomfundi Ii-akhawunti zabafundi ngamanye amaxesha azinayo imali yokudlulisa. I-Wells Fargo ibonelela ngembuyekezo yentlawulo yokudluliselwa kwengcingo okungenayo kanye ngenyanga kubathengi abanee-akhawunti zeNsuku zonke zokuHlola ezidityaniswe neKhampasi ye-Wells Fargo yeKhampasi, i-akhawunti yokujonga umfundi webhanki.Cinga ukusebenzisa i-ACH transfer endaweni yakhoIibhanki ezininzi zivumela i-ACH ukudluliselwa phakathi kwee-akhawunti zebhanki. Ukuba awuyidingi imali kwangoko, ukudluliselwa kwe-ACH kunokuba yindlela yasimahla kunye nelula yokuthumela imali. Udluliselo lwe-ACH luhlala luthatha iintsuku ezininzi, kodwa olu dluliselo luhlala lusimahla.
Ikhatyhuleyitha yeendleko zokubambisa
Ugqithiso lwemali luvumela abathengi ukuba bahambise imali nge-elektroniki ukusuka kwi-akhawunti kwenye ibhanki okanye imanyano yekhredithi ukuya kwi-akhawunti kwenye indawo, ngokuqhelekileyo ngentlawulo. Ezi zintengiselwano zikhuselekile kwaye zikhawuleza, ezenzeka ngaphandle kokutshintsha imali, zingenziwa phakathi kwamaziko emali e-United States okanye namaziko akwamanye amazwe.
Ukudluliselwa kweengcingo kukulungele ukuthumela ngokukhawuleza imali eninzi yemali. Umzekelo, ungasebenzisa utshintshiselwano ngefowuni ukuthumela ukuya kuthi ga kwi-500.000 yeedola ukusuka kwiakhawunti yakho yebhanki ukuya kwiakhawunti yenkampani enesihloko xa uvala ukuthenga ikhaya. Amaziko emali adla ngokuhlawulisa umrhumo wokugqibezela le ntengiselwano, kwaye ukuba unomkhwa wokuhambisa imali yakho, iindleko zinokongeza.
Amaziko emali athatha isigqibo sokuba yimalini ekufuneka ihlawuliswe ngokugqithiselwa ngecingo, ngokusekwe kwinxalenye yemithetho karhulumente esebenzayo. Umthetho we-Federal awusikelwanga mda kwimirhumo yokudluliselwa kwe-wire e-United States. Ibhanki okanye imanyano yamatyala kufuneka ichaze iimali zeedola zotshintshelo kunye nezinye iintlawulo xa uvula iakhawunti yakho.
Iimeko zokubolekwa kwezindlu zeHalifax 2021
Xa uhlawulela into ethile kwi-EU ngekhadi lakho letyala okanye ledebhithi, abarhwebi kunye neebhanki abanakukubiza imali eyongezelelweyo-ekwaziwa ngokuba 'yintlawulo eyongezelelweyo'-ngokusebenzisa ikhadi elithile. Lo mgaqo uyasebenza
Kuya kufuneka uqaphele ukuba ukuba uhlawula ngeemali ze-EU ezingezizo ezeeuro, umboneleli wakho wekhadi unokukuhlawulisa imali yokuguqula imali xa usebenzisa ikhadi lakho kwelinye ilizwe. Nangona kunjalo, ikhadi
inokukubuza iinkcukacha zekhadi lakho ukuqinisekisa ugcino lwakho. Umrhwebi usenokukucela ukuba uvale isixa esithile semali kwikhadi lakho xa ubhukisha. Oku kuthetha ukuba umrhwebi ugcina inxalenye yetyala lakho
