Ndeipi Inofananidzira Mari Yako?
Tichachera kune zvinyorwa pasi apa, asi sekupfupisa kwenguva pfupi:
- Kufananidza: Mabhanki uye zvikwereti zvezvikwereti zvose zvinopa mabhuku ekuongorora uye kuchengetedza, zvikwereti, mabhizimisi emarenda, uye mamwe mabasa. Kune zvakawanda zvinodiwa nebhangi, zvakaenzana.
- Kusiyanana: Zvikwereti zvekwereti ndezvikwereti zvevatengi, apo mabhenji anowanzoita mabhizinesi ekubhadhara. Mune zvimwe zviitiko, izvo zvinopa zvikwereti zvekwereti zvakakosha. Asi kuti ubatane nechikwereti chebato, unoda kukodzera kuburikidza nehutano hwehutano.
Kuti uwane nheyo yekutanga kune zvikwereti zvemari, kusanganisira umiridzi, kuchengeteka kwemari yako, uye zvigadzirwa, ona Izvo Zvokutengeserana Mabasa Basa .
Ubwero: Nheyo huru
Zvikwereti zvekodheni ndezvomumakambani avo, avo vanozivikanwawo se "nhengo." Varimi vane mabheni. Vaya vatengesi vangave vari zviuru zvevasingazivikanwi vanochengetedza vashandi kana vashoma vashoma vatengesi, zvichienderana nebhangi. Iwe unogona kusava nehanya kana kufunga kuti ibasa guru, asi sarudzo yehuyo inobatsira kuti masangano aya anoshanda sei.
Chikwere chebato chakanakisisa chakanaka: chakanaka , zvikwereti zvekwereti zvinogona kupa zvikwereti zviri nani nokuti hazvina vashandi vekunze vari kuedza kuwedzera uye kuwedzerwa kubhadhara pamutengo wevatengi.
Zvikwereti zvakawanda zvinowanzoita izvozvi: Vanobhadhara chido chakanyanya pakuchengetedza uye maCD , vanopa pachena kusununguka kune vose, uye vanochengeta zvikwereti zvishoma pasi.
Kusiyanisa kune mutemo: Zvisinei, zvikwereti zvekwereti hazvisi nguva dzose zvinodhura kupfuura mabhanki. Masangano emunharaunda anonyanya kukosha ayo akafanana nemakambani emakwereti, kusanganisira kushumira vanhu vomunharaunda uye kudzorera kumusha.
Zvimwe, mamwe masangano emakwereti anoita se mabhandi makuru uye anokwereta mari yakafanana yepamusoro semakwikwi avo. Semasangano asingabatsiri, zvikwereti zvezvikwereti zvinonakidzwa nemitero isingadzokeri kune nhengo sezvazvakatarisirwa.
Credit Union Eligibility
Unyanzvi hwako hwokuzarura kambani ndechimwe musiyano wakakosha pakati pemabhengi nemanyanzvi emakwereti.
Kuti varambe vane mutero-unofadzwa, zvikwereti zvekwereti zvinotarisirwa kukonzera vateereri vavo kuboka revanhu vane mugove wakafanana (unozivikanwa se "munda wehutano").
Chinodiwa ichocho hachisi nyore kuonana. Iwe unogona kukodzera kubatana nechikwereti chebato nekuda kwe:
- Kwamunoita kana kuti pabasa raunoshanda naro
- Kwaunoenda chikoro kana kunamata
- Iyo nzvimbo yaunogara mairi
- Nhengo mune sangano, iyo iwe ungakwanisa kugutsa paIndaneti
- Kufanirwa kwekwenhengo yemhuri
Kwese kwaunenge uripo, kune mukana wakanaka wekuti pane chikwereti chekubatana chiri pedyo kuti iwe unokodzera. Zvimwe zvikwereti zvekwereti zvinoshumira kunyange nhengo dziri kure kana zvakakwana paIndaneti .
Mari Yako Yakachengeteka Here?
Mabhandi nemakambani emakwereti anogona kuchengetedza mari yako yakachengeteka. Kana sangano richienda pasi, zvimwe kana mari yako yose inogona kuva inshuwarisi, zvinoreva kuti mari yako inofanira kuchinjwa. Muzviitiko zvakawanda, kero yako inoguma pane imwe sangano idzva, uye iwe une nhamba yakafanana yekambani uye yejiji rebhaji sepakutanga.
Inishuwarensi yakachengeteka iripo inobva kuhurumende yeUnited States.
- Kune maakarenda ebhangi, FDIC inochengetedza mari nekutsigirwa nehurumende.
- Pambani dzezvemari dzakabhadharwa nehurumende, inshumo yeNCUSIF inokudzivirira nekutenda kwakakwana uye chikwereti chehurumende yeUnited States.
Pasi pemutemo wezvino, zvose zviri zviviri zve FDIC neCCUSIF zvinodzivirira kusvika ku $ 250,000 pamubhadhadzi wega wega nebazi. Kana iwe uine zvinopfuura izvozvo, unofanirwa kuve nechokwadi chekuparadzira mari yako pakati pekunyora mazita akasiyana kana masangano akasiyana. Zvinokwanisika kuva nemadhora anodarika $ 250,000 munzvimbo imwe chete. Somuenzaniso, nhoroondo yako yekubvisa mari uye wekodha yako yekuongorora pane imwe nzvimbo inogona kuverengerwa zvakasiyana.
Zvimwe zvikwereti zvikwereti ndezvematongerwo enyika-panzvimbo ye federally-chartered), uye vanopa rubatsiro rwehupfumi rwehupfumi. Kunyange zvazvo kuchengetedzwa uku kunobatsira munyaya dzakawanda (hazvisi zviitiko zvakashata), inshuwarisi yega yega haisi yakachengeteka seKCUSIF chinyorwa.
Saizvozvowo Product Offerings
Zvishandiso zvinowanikwa pamabhangi uye zvikwereti zvezvikwereti zvakafanana zvakafanana. Kune vakawanda-vatengi vanobata mari yavo pachavo nemabhizimisi maduku-hazvina basa kana iwe uchishandisa bhengi kana chikwereti chebato.
Nekuita mabasa akasiyana-siyana, akadai sevashandi vematristi, chikwereti chechikwata chingave chisakwanise kugadzirisa zvido zvako. Asi hazvisati zvichishungurudza kukumbira-kunyange masangano mashoma ane ushamwari pamwe nevatapi vebasa vanogona kupa zvibvumirano zvisingabatsiri kuburikidza nechikwata chekwereti.
Munenge chero bhengi chero ipi zvayo kana chikwereti chekwereti chinopa zvinhu zvinotevera:
- Business bank bank accounts
- Checking accounts
- Savings accounts
- Zvitatimiti zvekuisa (CDs)
- Mari yechikwereti (kusanganisira kutenga zvikwereti uye refinancing )
- Auto zvikwereti kumotokari itsva kana kushandiswa (kusanganisira motokari uye RV chikwereti)
- Mari yekodha mari
- Nzvimbo , kuvaka , uye kugadzirwa kwemari yemari
Teknolojia: Bhizimisi mbiri uye zvikwereti zvezvikwereti zvinopa mabhizimusi epaIndaneti uye mapurogiramu emafoni Iwe unogona kutarisa maakaunti, ita mari yako nefoni yako , fambisa mari pakati pekodha, kubhadhara zvikwereti , nezvimwe kune masangano akawanda. Pane dzimwe nguva, duku chikwereti chekoni hachigoni kupa zvikamu zvose zvaunenge uchitsvaga, asi izvo hazvisi nyore.
Mabatiro evatengi
Mabhandi nemakambani emakwereti vanogona kupa zvikwereti zvakakosha zvebasa. Vose vanoitawo zvikanganiso uye vanoshandisa vanhu vane dzimwe nguva vane zuva rakaipa.
Ukama: Pamabhadharo emakambani uye mabhangi maduku, basa rinowanzova rakawanda pane vamwe. Nevashoma vashambadzi nevashandi, zvinogona kuva nyore kuti munhu wose azive. Kana iwe ukashanyira bazi, pane mukanano wakanaka waunoshanda nevanhu vakafanana, uye iwe unogona kukudziridza ukama. Ukama ihwohwo hunogona kukubatsira kuti uwane chikwereti kana uine chikwereti chiduku-kupfuura-chakakwana , uye zvinogona kuita kuti zvive nyore kugadzirisa zvinetso mumabhuku ako.
Kunyanya pamabhanki maduku uye zvikwereti zvemari, mutengi webasa rinoenderana (mune chikamu) pamutsika wesangano. Kuwirirana kunogona kunge kusina kujeka (kune zviri nani kana kuipa), uye zvinogona kuvimba nezvauri kutaura naye zuva iroro. Pamabhanki makuru, tarisira chiitiko chinowirirana (asi chakasimba): Vashandi vose vanopinda nepurogiramu imwechete yekudzidzisa, uye vane zvishoma zvishoma pazvinenge zvichisangana nehutano hwebasa.
Purogiramu yako inogona kuchinja chisarudzo chako chekushanda nebhangi kana chikwereti chekambani. Mabhanga makuru ane zvakawanda zvekupa maawa makumi maviri nemasere anobatsira vatengi, uye izvozvo zvinogona kubatsira kana usingakwanise kutaura panguva dzebhizimisi. Zvisinei, mamwe masangano emakiti (uye mabhangi) anopa maawa akawanda uye mavhiki-uyewo mawebsite akakurumbira. Kana uchikwanisa kuita zvose zvaunoda paIndaneti, maawa ekubhadha hazvina basa.
Zvikwereti zvekwereti zvinopa chipo chakasiyana nebazi rakagoverana. Kana chikwereti chako chichibatanidza, iwe unogona kukwanisa kushanyira matavi emamwe masangano ekubhadhara chikwereti munyika yose. Zvizhinji zvemashumiro, sekuisa mari uye kuregera, zvinowanikwa pasina, asi iwe unogona kushanda ne "imba" yako yechikwata chekwereti panyaya dzakaoma.
Chii Chiri Nani?
Mabhandi nemakambani emakwereti anokwanisa kupa zvibasa zvemari zvakasimba. Pakupedzisira, inouya kune zvigadzirwa, maitirwo, uye mari inopiwa nehurumende yega yaunotarisa. Kana uwandu husina kukosha kwauri, enda chete naiye wose ane zvakanakisisa kubata (uye yeuka kuti iwe unogona kuchengeta nhoroondo dzakawanda dzakasununguka pamabhanki ose nemanyanzvi emarikiti).
Kana iwe uchida chikwereti, tora zvinyorwa kubva pane zvakasiyana-siyana zvakasiyana-siyana, kusanganisira bhanki rimwe, imwe chikwereti chekwereti, uye imwe chikwereti paIndaneti . Enzanisa zvikwereti nemari yezvikwereti pane imwe sangano, uye bvunza kana iwe unogona kunge wakagamuchirwa kune chikwereti iwe usati wazadza chikumbiro.
Kana mazinga ekukwirira kwekodhi ndiyo inonyanya kukosha, tarisa pazvigadzirwa zvekutsvaga chete kune mabhanki nemanyanzvi emakwereti . Mabhanki epaIndaneti haave nehupamhi humwechete sezvitinha-uye-matunhu emasangano, uye anowanzoshandisa maziso ekupenya mazinga kuti atarise.
Kana ukasarudza kuchinja kune rimwe bhangi kana kubhadhara chikwereti, shandisa zvinetso paunotamisa mari yako. Shandisa sarudzo yedu yekushandura mabhangi kuitira kuti sarudzo isarwadza sezvinogoneka.