Ndingayihlawula njani idipozithi ukuba andinamali?
Ukubambeka kwimeko apho Andikwazi ukuhlawula i ibheyile ingayi Uxinzelelo kwaye iyingozi nakwikamva lakho. Nokuba awunayo i- imali kwangaphambili kwebheyile yakho, ikhona ezinye iindlela ezahlukeneyo ukuba ungazama ukuhlawula kwaye uphume ejele ngelixa ulinde eyakho umhla wenkundla .
Okokuqala, kuya kufuneka uqonde iziseko zebheyile
Kuba uninzi lwabantu aluzange lubanjwe, abaqondi isebenza njani ibheyile .
Inkqubo ye- Inkqubo yezomthetho yaseUnited States isekwe kwingcinga yokuba umtyholwa uyaqwalaselwa umsulwa ade afunyaniswe enetyala.
Ngaloo mbono engqondweni, urhulumente ufuna ukuqiniseka ukuba zonke umtyholwa ngolwaphulo-mthetho uyakwazi ukuqhubeka nobomi babo bemihla ngemihla ngelixa ityala lakho linjalo ilindile Ngaphandle koko, banokuhlala ejele iinyanga okanye iminyaka de kube ubungqina bokuba msulwa.
Kwelinye icala, urhulumente akafuni ootsotsi bayabaleka , Ngaloo ndlela eqinisekisa ukuba abamangalelwa musa ukuyishiya dolophu ukuqokelela imali okanye umdla izindlu besibini, kungenjalo eyaziwa ngokuba ibheyile .
Ukuba ummangalelwa uvela kwinkundla yamatyala aze ahlangabezane nemiqathango yebhondi, isixa sebhondi siyabuyiselwa.
Ukuba abenzi njalo, ibhondi inokurhoxiswa kwaye ilahlekelwe, kwaye ummangalelwa angavalelwa entolongweni eseleyo.
Unokuba nomdla kwi: Uyihlawula njani imali yokungena kwelinye ilizwe
Sisekwa njani isixa sedipozithi?
Ijaji iyakuthathela ingqalelo le miba ilandelayo phambi kokumisela isixa semali esiyibhondi:
- Ingxelo yolwaphulo-mthetho yomtyholwa.
- Ubuzaza bolwaphulo-mthetho
- Ithuba lokuba umtyholwa abaleke
- Singakanani isoyikiso asityhola umtyholwa kuluntu
- Izibonelelo zemali zomtyholwa.
Nje ukuba ibhondi isetiwe, unokukhetha ukuhlawula yonke imali, ufumane inzala yenkundla kwiarhente yakho yokuthenga izindlu, okanye usebenza nommeli obambeleyo.
Kodwa kuthekani ukuba andinamali yokuhlawula ibheyile?
Ukuba inkundla ikucela ukuba ubhatale imali ongakwaziyo ukuyihlawula, kwaye ukuba awunazinto zokwenyani zokufaka njengesiqinisekiso, ijaji inokukukhulula nge-Self Recognition Bond (OKANYE), ngeBond etyikityiweyo, okanye ngeBond .
Ukubambisana
Ungabeka isibambiso endaweni okanye ukongeza kwipremiyamu yokuqinisekisa. Izinto ezinje ngezacholo, i-elektroniki, kunye nepropathi zinokwamkelwa njengesiqinisekiso.
Imali mboleko / Imali yezeMali
Olu khetho lulungile ukuba awunayo imali yokuhlawula imali yebheyile ngaphambili, kodwa ibheyile sisixa oza kuthi ukwazi ukusihlawula ngexesha elifanelekileyo. Ngale ndlela, awuzukuhlawula isixa sebheyile esipheleleyo okanye umrhumo opheleleyo webheyile.
Ikhadi letyala
Abamangalelwa banokusebenzisa amakhadi etyala ukuhlawula ipremiyamu yebhondi yabo. Ngethuba nje unetyala elaneleyo kwaye uqaphele amaxabiso wenzala, ukusebenzisa ikhadi lokuthenga ngetyala yindlela elungileyo yokuhlawula ibhondi yakho.
Buza umhlobo / umntu omthandayo
Ayikhe ibabuhlungu into yokucela umhlobo okanye umntu omthandayo akuncede kwimirhumo enxulumene ne bond yakho. Qiniseka ukuba unesivumelwano esomeleleyo sokuhlawula kunye nomnye umntu ukunqanda iingxabano ezizayo.
Ukuzazisa
Ijaji iya kunika kuphela a OKANYE ibhondi ukuba igqiba ukuba awunguye umngcipheko wenqwelomoya kwaye awuyongozi kuluntu. Ijaji iliphononongile ityala lakhe kwaye yafumanisa ukuba ulwaphulo-mthetho alukho nzulu ngokwaneleyo ukuba lunike ithuba lokuvalelwa ixesha lokuvalelwa. Ukongeza, bayathemba ukuba uyakuvela enkundleni kwaye ulandele imigaqo yebheyile yakho.
Ukutyikitya ibhonasi
Ukuba awubonwa njengesoyikiso eluntwini, kwaye ukuba ijaji ayikuthathi njengomngcipheko wenqwelomoya, igqwetha lakho linokuthetha-thethana ngebhondi yokusayina, efana kakhulu ne-OR bond kuba ayifuni ntlawulo okanye ulungelelwaniso.
PR Bond
Okokugqibela, ukuba unerekhodi lolwaphulo-mthetho kodwa elingenabundlobongela, ijaji yenkundla inokuthatha isigqibo sokukukhulula nge ubudlelwane bobudlelwane boluntu , eza nemigqaliselo efana nokufuna ukuba uthathe iiklasi kwaye ufumane unyango. Ngethuba nje ulandela imigqaliselo yesibophelelo sakho kwaye ukho kuzo zonke iinkundla uvela, uyakuhlala ngaphandle kwejele.
Kodwa kuthekani ukuba ijaji ayikuthembi kwaye ayizukukhulula ngazo naziphi na iintlobo zeebhondi ezichazwe apha ngasentla? Usenokusebenza nearhente yokuqinisekisa.
Imibuzo esoloko ibuzwa
Q: Kutheni abanye abantu befumana ibheyile kwaye abanye abayifumani?
A: Bakunika ibheyile ukuba baqinisekile ukuba awuzukubaleka. Kwaye ukuba bakholelwa ukuba awuzukuphula mthetho. Ukuba kurhanelwa ukubulala, awungekhe uyifumane ibheyile kuba becinga ukuba ungambulala omnye umntu (nangona u-Oscar Pstorius wayifumana ibheyile).
Ukufumana ibheyile ayisiyokuba unetyala okanye umsulwa, imalunga nokuba inkundla icinga ukuba uza kubaleka (okanye hayi) okanye wenze ingxaki (okanye hayi).
Umbuzo: Yintoni ezakwenza inkundla icinge ukuba andizukubaleka emva koko ibheyile?
Banethuba lokuba bakukhuphe ngebheyile xa unosapho kuba baya kucinga ukuba awufuni kushiya usapho lwakho. Kwaye baya kuba nedilesi eqinisekisiweyo yakho.
Q: Nguwuphi umzekelo webhondi?
A: Oku kuhlala kuyimali ekufuneka uyihlawule enkundleni. Xa uhlawula ngekheshi bayakuyeka uhambe.
Umbuzo: Kutheni bekuhlawulisa imali? Ke inkundla ingenza ingeniso?
Bayakuhlawula nangona uphulukene netyala lakho kwaye uye ejele. Bayayigcina imali yakho yebheyile ukuqinisekisa ukuba iya kwilingo lakho. Ukuba uyabaleka, abayikubuyisela imali yakho.
Umbuzo: Ugqiba njani ukuba ndibhatale malini?
Bahlalutya ulwaphulo-mthetho olwenzileyo, olona lukhulu ulwaphulo-mthetho, imali oyibhatalayo, kwaye emva koko bajonga ukuba usisityebi kangakanani. Ukuba ulwaphulo-mthetho alulula (njengokweba ezivenkileni) kwaye ulihlwempu, ibheyile mayibe sezantsi. Idla kakhulu into yokuba abantu bahlawule.
Q: Uyaphi xa ungakwazi ukuhlawula?
Ukuba awunakho ukuthumela ibheyile, uya kungena kwinto ebizwa ngokuba kukuvalelwa kwangaphambi kokuxoxwa kwetyala - aba ngabantu abalindele ukuthethwa kwetyala. Ukuba ulwaphulo-mthetho lwakho lukukuba ezivenkileni, ityala lakho liya kuba kwiiveki ezimbini okanye ezintathu, ke kuya kufuneka ulinde ixesha elide ekuvalelweni kwangaphambi kwetyala.
Q: Kukho inketho yokuba oomantyi bathumele ibheyile ngaphandle kokubandakanyeka kwemali. Kutheni bengakwenzi oku rhoqo?
Kunzima ukuyithetha, kodwa mhlawumbi kungenxa yokuba bafuna ukubonakala ngathi banzima kulwaphulo-mthetho.
Umbuzo: Kufuneka ndenze ntoni endaweni yokuhlawula imali?
Ungalawula umntu ngokumenza ukuba angene kwisikhululo samapolisa veki nganye okanye mhlawumbi kabini ngeveki kwaye unikezele ngesazisi kunye neepaspoti zabo ukuze bangakwazi ukushiya ilizwe. Unokuthintelwa ukusela okanye ukuya kwiindawo ezithile
Umbuzo: Xa umntu ephumla ngesilumkiso, oko kuthetha ntoni?
Isilumkiso sithetha ukuba uyakhululwa kwaye akukho mfuneko yakwenza phambi kokuba ubuyele enkundleni. Akukho odolo
Q: Kodwa ukuba awuhlawulanga mali. Ke kutheni ndingazihluphi ngokuya enkundleni? Ukuba akukho mali ilahlekileyo?
Le yingxaki, kodwa amapolisa azokukhangela ukuba awuveli enkundleni kwaye uzokohlwaywa ngakumbi xa bekufumene.
Q: Zininzi izizathu zokuba kutheni i-bond ingagqitywanga ngokukhawuleza, akunjalo?
Ewe. Ngelishwa. Kwaye ukuba ibheyile yakho ayigqitywanga, uya kuvalelwa kwangaphambi kokuxoxwa kwetyala. Abakuvumeli ukuba ukhulule ngelixa besenza isigqibo. Bakufaka kwisisele.
Inkundla ingachitha ukuya kwiintsuku ezisixhenxe ngexesha lokusombulula uxwebhu. Oku kunokubandakanya amapolisa aqinisekisa idilesi yakho. Kufuneka baye endlwini yakho ukuqinisekisa ukuba uhlala apho. Useluvalelweni lonke ixesha. Inkundla inokufuna ukuqinisekisa imeko yakho yomthetho. Inkundla ingachitha iiveki ezintathu ihlengahlengisa amaphepha ukuze igqibe kwelokuba uyayifumana ibhondi. Okokugqibela, inkundla ingacela igosa eliphandayo ukuba lisombulule ityala kwaye likukhulule.
Q: Athini amatyala eshedyuli ahlukeneyo? 5 kunye no-6?
Obu bubugebenga obunzulu, njengokubulala nodlwengulo, xa kufuneka ubonakalisile ukuba ulifanele ibheyile. Ukuba kurhanelwa ukubulala, kuya kufuneka ubonise inkundla ukuba ufanele ibheyile.
Ukuziphendulela : Eli linqaku elinolwazi. Ayililo ingcebiso yezomthetho.
I-Redargentina ayiniki ngcebiso zomthetho okanye zomthetho, kwaye ayenzelwanga ukuba ithathwe njengengcebiso yezomthetho.
Umthombo kunye nelungelo lokushicilela: Umthombo wale visa ingentla kunye nolwazi lokungena kunye nabanini bamalungelo okushicilela zezi:
- Isebe lezoBulungisa lase-U.S -URL: https://www.justice.gov/
Umbonisi / umsebenzisi weli phepha lewebhu kufuneka asebenzise olu lwazi lungentla kuphela njengesikhokelo, kwaye uhlala enxibelelana nemithombo engentla okanye abameli bakarhulumente bomsebenzisi ngolwazi oluninzi olusexesheni ngelo xesha.
Iziqulatho