Ukuthenga ikhaya kunokuba lelona xesha okanye elona xesha libi; xa iwela phantsi 'kwamaxesha amabi kakhulu,' abathengi ababekade benethemba bahlala benyanzelekile ukuba bafake izikhalazo ngokuchasene nabathengisi bemali mboleko. Ukugcwalisa isikhalazo kufuneka kuze kuphela emva kokuba zonke ezinye iindlela zigqityiwe, nangona kunjalo.
Izikhalazo eziqhelekileyo ezinxulumene neMali mboleko
Izikhalazo ezisemthethweni ngokuchasene nabathengisi bemali mboleko zinokubandakanya nayiphi na imiba, ukusuka kubuqhetseba obugqithisileyo ukuya ekumeleleni kakubi, ukukhohlisa, izohlwayo zangaphambili, inzala kunye nokuvalwa. Ukuba umba ubaluleke ngokwaneleyo, kwaye ukuchithe iindleko ezingafanelekanga kunye noxinzelelo lwezezimali, unokufuna ukudibana negqwetha ukuze ubone ukuba ingaba uncedo olusemthethweni luyafumaneka na kuwe. Kukho uluhlu lwemithetho elawula indlela yokuziphatha kwabathengisi bemali mboleko kunye nababolekisi. Ukuba ezi zaphuliwe, unamalungelo akho okukhalaza, ukufuna unyango, okanye ukufaka isimangalo.
Amanqaku afanelekileyo- Izikhalazo zeNzululwazi ngengcebiso
- I-US Bank kunye neMicimbi yaMabango e-Inshurensi
- Imizekelo yobuqhetseba kwiNdawo yokuHlala
Izikhalazo ezichasene nabaNtu abathile
Ukuba isikhalazo sakho sichasene nomthengisi wobambiso ngokobuqu, ngokuchasene nokungavumelani malunga nemveliso yemali mboleko okanye iziko lemali mboleko, unokufaka izikhalazo ngombutho wobungcali apho akhoyo umrhwebi. Oku kubandakanya Umbutho weSizwe wabaSebenzi beMali mboleko kwaye i Umbutho weSizwe wababambisi babambiso .
Kuya kufuneka ufake ifayile yesikhalazo ngezinto ezifanelekileyo ezilawula urhulumente kubarhwebi bemali-mboleko (eyikhomishini yebhanki kumazwe amaninzi). Ungasifaka ifayile yesikhalazo kwifayile ye- IBusiness Business Bureau .
Izikhalazo ezichasene neMveliso yeMali-mboleko kunye namaZiko
Ukuba isikhalazo sakho sikunye nemveliso yemali mboleko okanye iziko lebhanki, kungcono ubhalise iinkxalabo zakho kwiarhente efanelekileyo yolawulo. Iintlobo ngeentlobo zearhente zikarhulumente ezahlukeneyo zinoxanduva lokurhweba ngemali mboleko kunye neebhanki ngeendlela ezahlukeneyo.
Inkampani ye-Inshurensi yeDepho yeFederal
Ukuba i-FDIC ye-inshurensi yebhanki yelizwe ayililo ilungu le-Federal Reserve System, isikhalazo sakho kufuneka sifakwe kwi-Federal Deposit Insurance Corporation (FDIC). Banefom eku-intanethi efanelekileyo okanye unokunxibelelana nabo ngomnxeba okanye ngeenkonzo zeposi zase-U.S.
umhlwa njani ibhetri
Inkampani ye-Inshurensi yeDepho yeFederal
ICandelo lokuThobela
Ngo-1730 iPennsylvania Ave
Kumgangatho we-7
IWashington DC 20429
(877) 275-3342
Umlawuli weLizwe
KwiSebe likaNondyebo wase-US, uya kuyifumana iOfisi yoMlawuli weeMali (i-OCC). Le yiofisi yokunxibelelana nokwenza isikhalazo kwiBhanki kaZwelonke. Banefom efanelekileyo yesikhalazo kwi-Intanethi ngokunjalo.
Umlawuli kuLawulo loThotyelo lwemali
I-250 E Street SW
IWashington DC 20219
(800) 613-6743
IKhomishini yoRhwebo kaRhulumente
Iinkampani zobambiso kunye nezemali kunye neemanyano zabasebenzi zikarhulumente kufuneka ziphendule kwiKhomishini yoRhwebo (FTC). Fayile isikhalazo sakho ngefom ye-intanethi, 'umncedisi wesikhalazo.' Iya kukuqhubela ukuba uphendule imibuzo kwaye unikezele ngolwazi oluyimfuneko. Umncedisi weZikhalazo kwi-Intanethi we-FTC.
IKhomishini yoRhwebo kaRhulumente
IZiko leMpendulo loMthengi
600 IPennsylvania Avenue, NW
IWashington DC 20580
(877) 382-4357
IKhomishini yoRhwebo kaRhulumente
Ibhodi yeFederal Reserve
Ngesikhalazo malunga nebhanki e-chart-state kunye ne-trust, qhagamshelana ne-Federal Reserve Board. Ibhodi ye-Federal Reserve ikwayindawo yokunxibelelana ngokubhekisele kunyhasho lwe-Equal Credit Opportunity Act, imithetho yokuBoleka iNyaniso kunye noMthetho weNgxelo oLungileyo weNgxelo. IFom yeZikhalazo kwiFederal Reserve Online. Unokufuna ukukhuphela ifom kwaye uyihambise ngefeksi okanye ngeposi.
Indawo yokuGcina
Ibhokisi yePosi 1200, Minneapolis, MN 55480
Ifeksi: 877-888-2520
Ifowuni: (202) 452-3693
Ulawulo lweManyano yeLizwe yeManyano
Ukuba ujongene noMbutho waMatyala weSizwe, isikhalazo sakho kufuneka sifayilishwe kuLawulo lweSizwe soManyano lwaMatyala. Ndwendwela iwebhusayithi engezantsi ukufumana i-ofisi yengingqi yelizwe lakho okanye unxibelelane neofisi yesizwe ngeposi okanye ngomnxeba.
Ulawulo lweManyano yeLizwe yeManyano
Isitalato i-1775 iDuke
IAlexandria VA 22314-3428
(703) 518-6300
ISebe leMicimbi yamaGqala
Iimali-mboleko eziqinisekiswe yi-VA ziya kusingathwa liSebe leMicimbi yeVeterans. Nxibelelana nge-imeyile, ngeposi rhoqo okanye ngomnxeba.
ISebe leMicimbi yamaGqala
Imicimbi yabathengi
I-810 Vermont Avenue, NW
IWashington DC 20420
Ifowuni: (202) 273-5770
Sukuthandabuza ukuKhathazeka ngeLizwi
Ukuba umthengisi wobambiso wenza izithembiso ezingagcinwanga, okanye ukukhohlisa ekutyikityeni amaphepha athetha enye into ngaphandle kwaleyo ekuvunyelwene ngayo, lixesha lokuba ufake isikhalazo ngokuchasene nomthengisi wobambiso. Unokwazi ukufumana ukubuyiselwa kwaye unokunceda abanye abathengi banqande ukusebenzisa iinkonzo zomthengisi wobambiso ofuna ukukhohlisa abantu.
