Ngaba ndingayivula iakhawunti eMelika njengeMexico? .Ngaba entsha kwi i-USA kwaye ufuna indawo apho yonga imali yakho ukuze uqalise ukugcina. Kodwa uqala phi? Awufuni ukugcina imali yakho phantsi komatrasi wakho. Ngokuqinisekileyo awuyi kufumana mbuyekezo ngemali yakho, kwaye ngokuqinisekileyo ayikhuselekanga.
Ke, Kutheni ungayi ebhankini? Vula ifayile ye- i-akhawunti yebhanki unikezela ukhuseleko kwiingxowa-mali zakho kunye nendlela yokuqalisa ukwenza uphawu lwemali elizweni. Kodwa akukho lula njengoko kubonakala. Ngelixa kunokubonakala ngathi kuthatha umMelika nje umzuzu ukuvula iakhawunti, kungathatha abasemzini ixesha elide .
Kwaye mininzi eminye imiqobo ekuya kufuneka uhambe kuyo ukuba ufuna ukuqala ukugcina imali yakho e-US Oku kuthetha ntoni ukuba ungumhlali ongenguye ummi ofuna ukufumana Iinkonzo zebhanki eMelika . Okokuqala.
- Inkqubo ye- UMthetho wokuthanda ilizwe I-United States yenze kwanzima kubaphambukeli ukuvula iiakhawunti okanye ukuqhuba ukuthengiselana kwemali eMelika.
- Abaphambukeli bafuna ukuchongwa ngakumbi kunabahlali abasisigxina ngokusemthethweni kunye nabemi.
- Nabani na ovula iakhawunti unokufuna inombolo yoKhuseleko lweNtlalo okanye inombolo yesazisi yomrhafi.
- Nangona uninzi lweebhanki zivumela abathengi ukuba bavule iiakhawunti zabo kwi-Intanethi, abangahlaliyo banokufuna ukutyelela isebe ukuze bagqibe izicelo zabo.
Into oyifunayo ukuvula iakhawunti yebhanki
Ukuba ungummi hayi owaseMelika Ukuba ufuna ukuvula iakhawunti yebhanki, amaziko ezezimali afuna ukuba ubonise enye okanye nangaphezulu kwezi ndlela zokuchonga:
- Inombolo yesazisi yomrhafi (ITIN)
- A inombolo yepaspoti okanye inombolo yesazisi yelinye ilizwe
- Isazisi sikhuphe urhulumente esikhutshwe lilizwe langaphandle
Ukongeza, bobabini abangahlali base-US kunye nabemi base-US kufuneka bangenise olu lwazi lulandelayo ukuvula iakhawunti yebhanki:
- Igama
- Umhla wokuzalwa
- Ubungqina bedilesi yakho yokuhlala, njengokuqeshisa okanye ityala lokusebenzisa
Umthetho wase-US ufuna ukuba amaziko ezezimali azi ukuba ngoobani abathengi bawo kunye nokulandela umkhondo wentengiselwano nganye. Oko kuthetha ukuba iibhanki kunye nemibutho yabathengi kufuneka iqinisekise ukuba ngubani umthengi xa evula iakhawunti entsha yedipozithi, enje nge-akhawunti yokutshekisha, iakhawunti yokonga, okanye isatifikethi sedipozithi (CD).
Ukongeza kwezi zinto zilapha ngasentla, abemi base-US kufuneka babonise inombolo yabo yoKhuseleko lweNtlalo ukuvula iakhawunti yebhanki.
Ndingumphambukeli ongenamaphepha, ngaba ndingavula iakhawunti yebhanki?
Ungavula iakhawunti yebhanki ukuba ungummi ongenamaphepha okungena kwelinye ilizwe kwiibhanki ezithile, ezinjengeBhanki yaseMelika. Nangona kunjalo, kuya kufuneka ufake isicelo ngobuqu kwaye ufuna iindlela ezahlukeneyo zokuchonga, ezinje ngobungqina bedilesi, inombolo yesazisi yomrhafi (TIN), isatifikethi sokuzalwa, ipaspoti ephelelwe lixesha, nokunye okuninzi.
Ibhanki nganye ineseti yayo yeekhrayitheriya, ke qiniseka ukuphanda iimfuno ngaphambi kokuba uye kwisebe lakho.
Kutheni le nto abemi abangabemi base-US befuna ulwazi olongezelelweyo ukuvula i-akhawunti yebhanki?
Ayingabo bonke abemi abangabemi base-US abanamanani oKhuseleko lweNtlalo. Oko kwenza ukuba kungqinisiswe ummi ongenguye wase-US umceli mngeni, yiyo loo nto iibhanki kunye nemibutho yabasebenzi bekhredithi bedinga inombolo yepaspoti yommi welinye ilizwe okanye olunye uxwebhu lokuchonga urhulumente ukuqinisekisa isazisi.
Izicelo zeakhawunti yebhanki ekwi-Intanethi ngokubanzi aziboneleli ngendawo yokufaka inombolo yepasipoti okanye enye inombolo yesazisi. Ke ngoko, amaziko ngokubanzi afuna ukuba abantu bamanye amazwe bangene kwisebe ukuqinisekisa ubungqina babo buqu. Kungenxa yesi sizathu le nto kunokuba nzima kakhulu, ukuba kungenzeki, kubantu base-US ukuba bavule iakhawunti ngeebhanki ezikwi-Intanethi. Kwiimeko ezininzi, iibhanki ezikwi-Intanethi azinawo amasebe aphathekayo.
Ngaphambi kokundwendwela ibhanki okanye isebe lemanyano yamatyala, qiniseka ukujonga iwebhusayithi yeziko okanye ubize ulwazi kumaxwebhu okuqinisekisa afunekayo kubaphambukeli. Iziko ngalinye linemigaqo-nkqubo yalo kunye neenkqubo zokuhlangabezana neemfuno ezikhankanywe ngasentla.
Uyivula njani iakhawunti yebhanki ngaphandle kwenombolo yoKhuseleko lweNtlalo
Abahlali abangabahlali abanenombolo yoKhuseleko lweNtlalo banokugqibezela inkqubo yokwenza isicelo seakhawunti kwi-intanethi njengaye nawuphi na ummi wase-US, kuba bathathelwa ingqalelo njengabahlali base-US ngeenjongo zerhafu.
Umzekelo, kwiBhanki yaseMelika, abemi bamanye amazwe banokuvula iakhawunti kwisebe le BofA ebonisa ikhadi lokuhlala ngokusisigxina, ikhadi lengqesho le-INS, i-visa engengowasemzini, ikhadi lokuwela umda okanye ipaspoti yelinye ilizwe, kunye nefom eyongezelelweyo yesazisi.
Ngokuka-Don Vecchiarello, Omnci, usekela-mongameli omkhulu we-BofA kunye nomphathi wezonxibelelwano kwiimveliso zabathengi kunye namashishini amancinci, ukhetho lokuchonga lwesibini olufunekayo lubandakanya ikhadi lekhredithi okanye ikhadi lokuthengisa, i-ID yomfundi, ikhadi lomsebenzi, okanye ilayisensi yeshishini.
Nangona kunjalo, abangahlaliyo abayi kuba nakho ukuyenza loo nto. Ngokwesiqhelo umyalezo wempazamo uya kuthi uxelele umntu ukuba atyelele isebe lendawo okanye acele uncedo. Ngesi sizathu, kunokuba ngcono kubaphambukeli abangahlaliyo ukuhlala kwiibhanki ezineendawo ezibonakalayo. Iibhanki ezinkulu kunqabile ukuba zibe nezithintelo ezingezozabemi kuneebhanki ezincinci zalapha ekhaya, utshilo uKen Tumin, umseki kunye nomhleli weDepositAccounts.com.
Ukuba ungumphambukeli ongahlali kweli lizwe, kuya kufuneka utyelele isebe lebhanki ukuze ufumane iakhawunti yokutshekisha okanye yokonga ngoncedo lukamabhalana webhanki. Ezinye iibhanki zinokucela amaxwebhu okufudukela endaweni yokuchongwa, kodwa isenokukhohlisa.
Umceli mngeni kukuba oomabhalana bebhanki basenokungabazi ubume bakho kwaye ngawaphi amaxwebhu afunekayo okuvula iakhawunti, ucacisile uLibby Dawson, umcebisi wezobutyebi kwiWorldview Wealth Advisors. Unokucelwa ukuba ubonelele ngazo zonke iintlobo zamaxwebhu afunwa yibhanki ukuvula iakhawunti yabo bonke abantu abangabemi base-US, nokuba ungummi wasemzini.
Baza kulandela oko bakubonayo ngokwenkqubo yabo, kodwa ekupheleni kosuku, kuhlala kungalungiswa iphepha ukuba yaziwe ngokuqinisekileyo ukuba yonke into yenziwe ngendlela ebekufanele ukuba yenziwe ngayo, Utshilo uDawson.
Abahlali basemzini banokukhetha kwi-intanethi.
UMagnifyMoney uphonononge izicelo zebhanki zebhanki ezisibhozo eziphezulu e-US Sifumene ukuba ungummi wasemzini onenombolo yokhuseleko kwezentlalo, unokuvula iakhawunti kwi-intanethi ngebhanki enkulu yase-US.
Nangona kunjalo, iibhanki ezincinci zalapha ekhaya azinakubavumela abemi base-US, abaphambukeli, okanye abaphambukeli, ukuba bafake izicelo kwi-Intanethi. Umzekelo, e-Hills Bank, ibhanki yoluntu e-Iowa City, e-Iowa, safumanisa ukuba isicelo sabo kwi-intanethi sazisa umenzi wesicelo ukuba ukuba ayingabo abemi base-US okanye abantu base-US, abanakho ukuqhubeka nenkqubo besebenzisa loo ndlela.
Ukuba ungumphambukeli kwaye unethemba lokuvula iakhawunti yebhanki kwi-intanethi, olona khetho lwakho luya kuba yibhanki enkulu yaseMelika esebenza kulo lonke ilizwe. Kwisicelo esiqhelekileyo kwi-Intanethi, kuyakufuneka ufake ulwazi lwakho lomntu siqu, kubandakanya igama, idilesi, inombolo yefowuni, kunye nenombolo yakho yokhuseleko lwentlalo.
Iziseko
Ngelixa uvunyelwe ukuvula iakhawunti, imigaqo yahlukile kubantu abangabemi. Inkqubo ye- UMthetho wamaLungelo oLuntu ka-1964 Inike ngokucacileyo iinkampani zabucala eMelika ilungelo lokunxibelelana nabantu bangaphandle okanye amaqela, isenza kube lula kubahlali abatsha baseMelika.
Kodwa i UMthetho wokuthanda ilizwe I-US, eyadlula emva kohlaselo lobunqolobi lwangoSeptemba 11, 2001, lwenza ukuba kube nzima ngakumbi kubaphambukeli ukuvula iiakhawunti okanye ukuqhuba imicimbi yemali e-US, okanye benze ishishini namaziko emali aseMelika aphesheya.
Ngokomthetho, iibhanki kunye nemibutho yabasebenzi ngetyala kufuneka ilandele izikhokelo ezingqongqo xa kuqinisekiswa isazisi somenzi-sicelo ongenguye wase-US. Nangona kunjalo, ukuba ungumhlali osemthethweni ngokusemthethweni, kuya kuthatha ixesha elifanayo ukuvula iakhawunti yakho njengommi.
Uya kudinga isazisi
Ngaphandle okanye hayi, abafaki-zicelo beakhawunti yebhanki kufuneka ubuncinci baqinisekise igama labo, umhla wokuzalwa, kunye nedilesi yendawo, umzekelo, kwityala lesibonelelo. Kodwa ukuba ungumphambukeli, kuya kufuneka unikezele ngakumbi. Aba bathengi kufuneka babonise i-ID yesithombe ebandakanya ubunikazi bamanani.
Ungasebenzisa ipasipoti esemthethweni, olunye uchazo olukhutshwe ngurhulumente welizwe lakho, okanye inombolo yesazisi esivela kwelinye ikhadi eliluhlaza, i-visa yomsebenzi, okanye i-ID yomfundi. Nangona kunjalo, kuya kufuneka uzise ii-original ngenxa yokuba iifotokopi azamkelwa.
Iinombolo zokhuseleko loluntu
Ngokubanzi, inombolo yoKhuseleko lweNtlalo (SSN) ayinyanzelekanga ukuba ivule iakhawunti yokonga kweli lizwe. Nangona kunjalo, ukungabinayo kunokunyusa ukujongwa kwebhanki kwamanye amaxwebhu akho. Ayizukukunqanda ekufumaneni iakhawunti, kodwa iya kukunceda. Ukuba awukwazi ukuyifumana, unolunye ukhetho.
Abahlali abathile kunye nabaphambukeli abangakwaziyo ukufumana iinombolo zoKhuseleko lweNtlalo banokufaka ifayile ifom W-7 kwi-IRS ukufumana inombolo yesazisi yomrhafi ( I-ITIN ), enokwamkelwa yibhanki.
Ungasebenzisa inombolo yoKhuseleko lweNtlalo okanye inombolo yesazisi yomhlawuli werhafu ukuvula iakhawunti yakho.
Yintoni efunekayo
Imithetho elawula ii-akhawunti zebhanki zabaphambukeli yimanyano, kodwa isicelo sabo sendawo. Iibhanki kunye neemanyano zabathengi zinamaxwebhu ahlukeneyo kunye neemfuno zenkqubo yokuvula iiakhawunti zabantu baseMelika. Qinisekisa kwangaphambili into efunekayo ngaphambi kokuqala kwenkqubo, ngakumbi kuba ngokuqinisekileyo uya kubonakala ngokwakho kwindawo ebonakalayo.
Iibhanki ezikwi-Intanethi
Uninzi lwabaphambukeli abangahlaliyo kufuneka bangene kwisebe lebhanki ukuvula iakhawunti. Oko kuthetha ukuba nokuba ungaqala ukuvula iakhawunti yakho kwi-Intanethi, kuya kufuneka ubonakale buqu ukuze ugcwalise isicelo sakho.
Ukhuseleko olwandileyo emva ko-2001 lukhokelele ekususweni ngokupheleleyo kwezicelo ezikwi-Intanethi zeeakhawunti zangaphandle, ngenxa yobunqolobi obunxulumene nemali. Oko kuphantse kukuthintele ekusebenziseni kwenye yeebhanki ezininzi ezikwi-Intanethi kuba kuya kuba nzima kubo ukuqinisekisa ubungqina bakho.
Ubuncinane beedipozithi
Oku kwahluka ngokwamaziko, kodwa ngokubanzi kuthobekile. Abanye baqala ukusuka kwi-5 ukuya kwi-50 yeedola, ngelixa abanye benemfuno ephezulu.
Konke kuxhomekeke ekubeni ugcina phi ebhankini kwaye zeziphi izibonelelo abazibonelelayo, ezinokuthi, phakathi kwabanye, zibuyele phezulu okanye kungabikho mrhumo wenkonzo. Ukuba uvula iakhawunti ngentlawulo enkulu yedipozithi, kwakhona, inkcazo enkulu inokwahluka ngokuxhomekeke ebhankini, okanye ngemali evela kugqithiso lwebhanki, kuya kufuneka ubonise ubungqina bemali .
Umgca wezantsi
Ukuvula iakhawunti yebhanki njengommi welinye ilizwe kubandakanya iinzame ngakumbi, kwaye ngakumbi uxinzelelo, kunommi wase-US, ngakumbi kwabo basweleyo ukuba ngabemi bangaphandle. Ukuba usahlala kwilizwe lakho lasekhaya, cinga ngokujonga ibhanki yezizwe ngezizwe eseMelika.
Yiba namasebe apho uhlala khona kwaye uvule iakhawunti ngaphambi kokuba uhambe. Intshukumo enjalo kwisebe langaphandle inika abafaki-zicelo bamazwe aphesheya ithuba lokuseka ubudlelwane beshishini kunye neziko elinokuthi lenze lula isicelo seakhawunti yase-US kwelinye lamasebe alo kweli lizwe.
Iziqulatho
- Into oyifunayo ukuvula iakhawunti yebhanki
- Ndingumphambukeli ongenamaphepha, ngaba ndingavula iakhawunti yebhanki?
- Kutheni le nto abemi abangabemi base-US befuna ulwazi olongezelelweyo ukuvula i-akhawunti yebhanki?
- Uyivula njani iakhawunti yebhanki ngaphandle kwenombolo yoKhuseleko lweNtlalo
- Abahlali basemzini banokukhetha kwi-intanethi.
- Iziseko
- Uya kudinga isazisi
- Iinombolo zokhuseleko loluntu
- Yintoni efunekayo
- Iibhanki ezikwi-Intanethi
- Ubuncinane beedipozithi
- Umgca wezantsi