Uyirhoxisa njani itshekhi yebhanki ye-td
Umthetho we-Federal unikezela ngokhuseleko oluthile kwiintlawulo eziphindaphindiweyo zedebhithi. Unelungelo lokuthintela inkampani ekwenzeni iintlawulo ezizenzekelayo kwiakhawunti yakho, nokuba ubuyivumele ngaphambili. Umzekelo, unokwenza isigqibo sokurhoxisa ubulungu bakho okanye inkonzo kunye nenkampani, okanye unokugqiba ukuhlawula ngenye indlela.
Gcina ukhumbule ukuba iibhanki zihlala zihlawulisa umrhumo wokwenza umyalelo wentlawulo yokuyeka. Ukongeza, ukurhoxisa intlawulo yakho ngokuzenzekelayo akurhoxisi isivumelwano sakho nenkampani. Ukuba ufuna ukurhoxisa ikhontrakthi yenkonzo, efana ne-cable TV okanye ijim, qiniseka ukuba uyasirhoxisa isivumelwano sakho nenkampani kwaye ubaxelele ukuba bayeke ukwenza iintlawulo ezizenzekelayo. Ukuba urhoxisa intlawulo ezenzekelayo kwimali-mboleko, kusafuneka wenze iintlawulo kuloo mboleko.Ukuba unengxaki ngeakhawunti yebhanki okanye inkonzo okanye enye imveliso yemali okanye inkonzo, ungafaka isikhalazo kwi-CFPB kwi-Intanethi okanye ngokufowunela (855) 411-CFPB (2372).
Iinkampani zihlala ziphendula imibuzo ethile kwimeko yazo kwaye zithe ngqo ngakumbi kwiimveliso kunye neenkonzo abazinikezelayo. Ukuba unesikhalazo, sazise ngengxaki yakho: siza kuthumela ingxaki yakho kwinkampani, sikunike inombolo yokulandelela, kwaye sihlale usazi malunga nobume besikhalazo sakho. Funda ukuba inkqubo yesikhalazo isebenza njani
Ungayicima Njani Itshekhi elahlekileyo kwimeyile
Xa uhlawula imali yakho yokubambisa kwaye uhlangabezane nemigaqo yesivumelwano se-mortgage, umbolekisi akayeki ngokuzenzekelayo amalungelo kwipropati yakho. Kukho amanyathelo ekufuneka uwalandele. Le nkqubo ibizwa ngokuba yimali-mboleko yezindlu.
Le nkqubo iyahluka ngokuxhomekeke kwiphondo okanye ummandla wakho. Kwiimeko ezininzi, usebenza negqwetha, unobhala wenkundla, okanye umkomishinala wesifungo. Amanye amaphondo kunye nemimandla ikuvumela ukuba wenze umsebenzi ngokwakho. Gcina ukhumbula ukuba nokuba uyenza ngokwakho, unokufuna ukufumana amaxwebhu akho abhalwe ngumsebenzi oqeqeshiweyo, njengegqwetha okanye notary.
Ngokuqhelekileyo, umbolekisi wakho uya kukunika isiqinisekiso sokuba uyihlawule ngokupheleleyo imali-mboleko. Uninzi lwababolekisi aluthumeli esi siqinisekiso ngaphandle kokuba usicelile. Jonga ukuba ngaba umbolekisi wakho unenkqubo esesikweni yesi sicelo.
Wena, igqwetha lakho okanye ummeli wakho kufuneka anike iofisi yobhaliso lwepropathi ngawo onke amaxwebhu ayimfuneko. Nje ukuba amaxwebhu afunyenwe, ukubhaliswa kwepropati kuphelisa amalungelo omboleki kwipropati yakho. Bahlaziya isihloko sepropathi yakho ukubonisa olu tshintsho.
Ungarhoxisa itshekhi kwi-intanethi?
Ukuba ungumthengi okhoyo ngoku kunye neBhanki yase-US yokuqala yokubambisa okanye i-akhawunti ye-akhawunti yokutshekisha yeBhanki yase-US, ungakufanelekela ukufumana ikhredithi yomthengi malunga neendleko zokuvala ze-mortgage yakho elandelayo.1 Thatha i-0.25% yemali yekhaya lakho lokuqala elilandelayo mboleko kwaye uyitsale kwiindleko zokuvala, ukuya kuthi ga kwi-1,000.2 ephezulu yeedola
Ungaphinda uhlengahlengise izinto ozikhethayo zentengiso ye-imeyile kunye nefowuni ngokungena kwiBhanki ye-Intanethi kwaye ukhethe iProfayile yam. Okulandelayo, khetha Hlela ecaleni kwenombolo yakho yefowuni okanye i-imeyile kwaye ukhethe ukhetho lwakho.
Intlawulo ezenzekelayo yindlela efanelekileyo yokwenza iintlawulo zakho zenyanga zindlu. Nje ukuba zicwangcisiwe, iintlawulo zakho ziya kutsalwa ngokuzenzekelayo nyanga nganye kwi-akhawunti yakho yetshekhi okanye yokonga ngomhla owukhethileyo. Sinokukunceda ulawule iintlawulo ezizenzekelayo, nokuba uyaziseta okanye ulungisa ulwazi olukhoyo. Nantsi indlela yokwenza:
Yiba ne-akhawunti yakho yokujonga kunye nenombolo yomzila eluncedo kule nkqubo. Nje ukuba ufake i-akhawunti yakho yokutshekisha okanye yokonga ukuze uhlawule, iya kugcinwa kwisiza. Awuyi kukwazi ukubhalisa okanye ukutshintsha intlawulo ngokuzenzekelayo ukuba i-akhawunti idlule. Olu lwazi lusenokungafumaneki ukuba i-akhawunti ishiywe lixesha.
Ngaba umntu unokurhoxisa itshekhi emva kokuba ifakiwe?
Bonke abantu abachongiweyo nabagunyazisiweyo ukuba benze izinto egameni le-akhawunti. Isiginitsha yomnini-akhawunti ngamnye mayibhalwe kwifayile ebhankini. Umsayino ugunyazisa loo mntu ukuba enze iitransekshini egameni le-akhawunti. Jonga imibuzo enxulumeneyo malunga noKhetho lwe-Ovadraft ye-Akhawunti edityanelweyo, i-Akhawunti eDityanisiweyo yokuQinisekisa ukuQinisekisa, kunye noButyala beAkhawunti eDityanisiweyo.
Zikwabizwa ngokuba yimali-mboleko yemali eguquguqukayo. Inzala yokuqala idla ngokuba ngaphantsi kuneemali mboleko eziqhelekileyo ezimiselweyo. Inzala inokwahluka kubomi bemali-mboleko ngokuxhomekeke kwiimeko zemarike.
Ngokuqhelekileyo kukho ubuninzi (okanye isilingi) kunye nobuncinci (okanye umgangatho) ochazwe kwikhontrakthi yemboleko. Ukuba izinga lenzala liyenyuka, ngokunjalo nentlawulo yakho yemali mboleko. Ukuba izinga lenzala liyehla, intlawulo yemali-mboleko inokwehla nayo. Jonga imibuzo enxulumene nexabiso eliguquguqukayo leequity line yekhredithi.
Phantsi kweEqual Credit Opportunity Act, ukwala komntu otyalwayo ukunika ikhredithi ngokwemiqathango eceliweyo, ukupheliswa kwe-akhawunti ekhoyo, okanye utshintsho olungathandekiyo kwi-akhawunti ekhoyo. Jonga imibuzo enxulumene nokwaliwa kweekhredithi.
