Ungayikhetha Kanjani Imali Ebolekiwe Efanelekile ePuerto Rico: Amathiphu Nokuhlaziywa Kwamabhange Ayinhloko Nemifelandawonye

Ukukhetha imali ebolekiwe efanele ePuerto Rico kungaba inselele, ikakhulukazi ngezinketho eziningi ezitholakalayo emakethe.

Ukuqonda umehluko wezinhlobo ezahlukene zemalimboleko kanye neminikelo evela emabhange amakhulu namadlelandawonye ezezimali kubalulekile ekwenzeni isinqumo unolwazi. Kulesi sihloko, sizohlola ukuthi ungasifaka kanjani isicelo semali mboleko ku-inthanethi e-Puerto Rico, sinikeza amathiphu asebenzayo kanye nokuhlaziywa okuningiliziwe kwezikhungo zezezimali ezinkulu, njenge-Banco Popular de Puerto Rico, i-FirstBank, i-Oriental Bank, i-Evertec, i-Peninsula Bank, ne-Cooperativas de Ahorro y Crédito.

Kungani kubalulekile ukukhetha imali ebolekiwe efanele?

Ukukhetha imali ebolekiwe efanele akukhona nje ukuthola imali. Kumayelana nokuqonda izidingo zakho zezimali, amanani enzalo ahilelekile, nemibandela yokukhokha. Imalimboleko ekhethwe kabi ingaholela esikweletini esiningi kanye nobunzima bezezimali esikhathini esizayo. Ngakho-ke, kubalulekile ukuthatha isikhathi sokucwaninga nokuhlaziya izinketho zakho.

Izinhlobo zemalimboleko ezitholakala ePuerto Rico

Izikweletu Zomuntu Siqu

Imali mboleko yomuntu siqu ingenye yezinketho ezidume kakhulu. Angasetshenziselwa noma yini kusukela ekuhlanganiseni izikweletu kuya ekuxhasweni ngezimali zokuhamba. Ngokuvamile banamazinga enzalo angaguquki kanye nemibandela ehlukahlukene.

Imalimboleko Yebhizinisi

Uma ungusomabhizinisi, ungase ucabangele imalimboleko yebhizinisi. Lolu hlobo lwemalimboleko luhlinzeka ngemali yokuqala noma yokukhulisa ibhizinisi futhi ingase ibe nezimo ezithile, kuye ngohlobo lwenkampani kanye nenani eliceliwe.

Imalimboleko Yasekhaya

Izimali mboleko zezindlu zenzelwe ukuthengwa kwezindlu ezithengiswayo. Amanani angahluka kuye ngohlobo loxhaso lwezimali kanye nephrofayela yomthengi, futhi ayinketho yesikhathi eside.

Ungasifaka kanjani isicelo sokubolekwa imali ku-inthanethi ePuerto Rico?

• Isinyathelo 1: Hlola izidingo zakho zezimali futhi unqume inani olidingayo.
• Isinyathelo 2: Cwaninga izinketho ezitholakalayo, ufuna ulwazi ngamanani enzalo kanye nemibandela.
• Isinyathelo 3: Qhathanisa okunikezwayo okuvela ezikhungweni zezimali ezahlukene.
• Isinyathelo 4: Qoqa imibhalo edingekayo, njengobufakazi bemali engenayo kanye nomazisi.
• Isinyathelo 5: Finyelela ebhange noma kuwebhusayithi yomfelandawonye bese ugcwalisa ifomu lesicelo.
• Isinyathelo 6: Landela ngomkhondo isimo sesicelo sakho bese ulinda ukugunyazwa.

Ukuhlaziywa kwamabhange amakhulu kanye nama-Cooperatives e-Puerto Rico

I-Banco Popular de Puerto Rico

I-Banco Popular ingelinye lamabhange amakhulu nahlonishwa kakhulu ePuerto Rico. Inikeza izinhlobonhlobo zezikweletu zomuntu siqu nezebhizinisi ezinamanani ancintisanayo. Inqubo yokufaka isicelo ku-inthanethi ilula futhi iyashesha, ivumela amakhasimende ukuthi athole imiphumela ngokushesha.

I-FirstBank

I-FirstBank yaziwa ngezinketho zayo eziguquguqukayo kanye nenkonzo yamakhasimende. Banikeza imalimboleko yomuntu siqu enemibandela esukela ezinyangeni eziyi-12 kuye kwezingama-60 namazinga amisiwe, okwenza ukuhlela kwezezimali kube lula.

Oriental Bank

I-Oriental Bank igqama ngezixazululo zayo eziqondene nawe. Banikeza iseluleko sezezimali kanye nohlu lwemikhiqizo efanelana namaphrofayili ekhasimende ahlukene, okuhlanganisa imali mboleko yekhaya neyomuntu siqu.

Evertec

I-Evertec yisikhungo sezezimali esisebenzisa ubuchwepheshe ukwenza lula inqubo yokufaka isicelo semalimboleko eku-inthanethi. Bahlinzeka ngamathuluzi akusiza ukubala izinkokhelo zesitolimende nezinga lenzalo ngaphambi kokusayina imali ebolekiwe.

Peninsula Bank

I-Peninsula Bank igxile ekunikezeni imali mboleko ethengekayo enemibandela eyenziwe lula. Bazibophezele obala ezindlekweni nangemibandela.

Imifelandawonye yokonga nekhredithi

Izinyunyana zezikweletu ziyindlela enhle kakhulu, njengoba zivame ukunikeza amanani enzalo aphansi kanye nemibandela evumelana nezimo. Bagxile enhlalakahleni yamalungu abo futhi kungaba ukukhetha okuzuzisayo.

Amaphutha Avamile Lapho Ufaka Isicelo Semalimboleko

• Ungaqhathanisi okunikezwayo: Ukwamukela ukunikezwa kokuqala ngaphandle kokucwaninga ezinye izinketho kungase kubangele amanani aphezulu.
• Ziba izinga lenzalo: Ukugxila kuphela enanini lemalimboleko ngaphandle kokuqonda izilinganiso zenzalo kungaholela ezindlekweni zokukhokha.
• Ayifundi inkontileka: Ukuziba imininingwane yenkontileka kungase kubangele izigaba ezingezinhle.
• Ukuntuleka kokuhlela: Ukufaka isicelo sokubolekwa imali ngaphandle kohlelo olucacile lokubuyisela kungabeka engcupheni izimali zakho.

Izindlela Ezinhle Kakhulu Zokukhetha Imali Ebolekiwe

• Yenza ukuhlaziywa kwekhredithi: Ukwazi amaphuzu akho esikweletu kungakusiza ukuthi ubikezele ukuthi yimaphi amanani ongase ukwazi ukuwathola.
• Setha ibhajethi engokoqobo: Thola ukuthi yimalini ongakwazi ukuyikhokha nyanga zonke ngaphambi kokufaka isicelo semalimboleko.
• Phequlula izinhlobo ezahlukene zemalimboleko: Cabangela zonke izinketho ezikhona, okuhlanganisa imifelandawonye namabhange.
• Gcina amadokhumenti ehlelekile: Ukuba nawo wonke amadokhumenti kungasheshisa inqubo yokugunyaza.

Izibonelo Ezisebenzayo Zezicelo Zemalimboleko

Ukufanekisa, ake sicabangele izimo ezimbili zokufaka isicelo semalimboleko:

• Isimo 1: UMaria udinga imali ebolekiwe engu-$5.000 ukuze ahlanganise isikweletu. Uqhathanisa okunikezwayo okuvela ku-Banco Popular kanye ne-FirstBank, ekhetha i-Banco Popular ngoba inikeza isilinganiso senzalo sonyaka esingu-9% kanye nesikhathi sokukhokha sezinyanga ezingu-36, esifanelana nesabelomali sakhe.
• Isimo 2: UJohn ufuna ukuqala ibhizinisi elincane futhi ufuna imali ebolekiwe engu-$10.000. Ngemva kokucwaninga, unquma ukufaka isicelo e-Oriental Bank, enikeza isilinganiso senzalo esingu-7% kanye nohlelo lokukhokha oluguquguqukayo oluvumelana nokugeleza kwemali ebhizinisini lakhe elisha.

Imibuzo ejwayelekile

1. Uyini umehluko phakathi kwemali mboleko yomuntu siqu kanye nemali mboleko yebhizinisi?

Imali mboleko yomuntu siqu ihloselwe ukusetshenziswa umuntu ngamunye, kuyilapho imali mboleko yebhizinisi iklanyelwe ngokukhethekile ukuxhasa imisebenzi yebhizinisi.

2. Ngingawathuthukisa kanjani amaphuzu ami esikweletu ngaphambi kokufaka isicelo sokubolekwa imali?

Khokha izikweletu zakho ngesikhathi, yehlisa isikweletu sakho, futhi ugweme ukuvula ama-akhawunti amasha esikweletu ngaphambi kokufaka isicelo sokubolekwa imali.

3. Yimaphi amadokhumenti adingekayo ukuze ufake isicelo sokubolekwa imali?

Ngokuvamile, uzodinga ubufakazi bokuthi ungubani, ubufakazi bemali engenayo, futhi kwezinye izimo, imibhalo ehlobene nomlando wakho wesikweletu.

4. Kuthatha isikhathi esingakanani ukuthola imvume yokubolekwa imali?

Izikhathi zokugunyazwa zingahluka, kodwa izikhungo eziningi zihlinzeka ngemiphumela phakathi namahora angu-24 kuya kwangu-48 ngemva kokugcwaliswa kwesicelo.

5. Ngingakwazi yini ukufaka isicelo sokubolekwa imali uma nginomlando omubi wezikweletu?

Yebo, ezinye izikhungo zinikeza izinketho zabantu abanezikweletu ezimbi, kodwa izinga lenzalo lingase libe phezulu.

6. Iyini inzalo engaguquki?

Izinga lenzalo elingaguquki yilelo elihlala lingashintshi phakathi nesikhathi semali mboleko, okwenza ukuhlela kwezezimali kube lula.

7. Kungenzeka yini ukukhokha imali ebolekiwe kusenesikhathi?

Yebo, kodwa hlola ukuthi zikhona yini izinhlawulo zokukhokha ngaphambi kwesikhathi, njengoba ezinye izikhungo zikhokhisa lokhu.

8. Ngingaqinisekisa kanjani ukuthi ngikhetha inketho engcono kakhulu yemalimboleko?

Cwaninga, qhathanisa okunikezwayo, funda izibuyekezo, futhi uxhumane nochwepheshe bezezimali ukuze uthole isiqondiso.

Ukukhetha imali ebolekiwe efanelekile ePuerto Rico kubandakanya ucwaningo, ukuhlela, nokuqonda izidingo zakho zezezimali. Ngokulandela amathiphu nokuhlaziya okwethulwayo, uzolungela kangcono ukwenza isinqumo esinolwazi. Ungakhohlwa ukwabelana ngalesi sihloko nabangani nomndeni okungenzeka bafuna ulwazi lokuthi ungasifaka kanjani isicelo semali mboleko ku-inthanethi ePuerto Rico. Imfundo yezezimali iyisinyathelo esibalulekile ekufinyeleleni uzinzo kwezomnotho kanye nokufeza amaphupho akho.