Imida kunye nemiGaqo yeeNew Jersey kunye nabaqashi
6 Isiseko seNkundla yoLondolozo lweNgcaciso yeNew Jersey:
- Umlinganiselo woLondolozo lweDistim: I- One kunye neRhafu yeNyanga yeRhafu.
- Ukugcina i-Deposit: I- Money Market Fund okanye i-Akhawunti yeBhanki enomdla.
- ISaziso esibhaliweyo siyadingeka: Ewe. Emva kokufumana i-Deposit kunye namanye amaxesha amathathu.
- Ukukhutshwa kweDisktionsi yeDisktions : Ixabiso leNgxowa-mali engahlawulwanga.
- I-Deposit yokubuyisela: Ngokuqhelekileyo iintsuku ezingama-30. Khangela iNgaphandle.
- Ukuthengiswa kweMpahla: UkuThuthwa kweeNkxaso zoKhuseleko kwiNew Owner kunye nokwazisa abaqeshi.
1. I-Deposit Security Limit yeNew Jersey
E-New Jersey, umninimzi omkhulu unakho ukuhlawulisa njengentlawulo yezokhuseleko yehora enye nenyanga. Ukuba umninikhaya unyusela irenti yerenti, umnini-mhlaba unokunyusa nokugcinwa kwe-deposit deposit ukuba ihambelane nale nzala yenyuka, kodwa ayikwazi ukucela ukunyuka kwama-10 ekhulwini kwi-deposit deposit kunanoma yimuphi unyaka.
2. Ukugcina i-Deposit Security eNew Jersey
Abanikazi bezindlu eNew Jersey baneendlela ezimbini zokugcina ukugcinwa kwokhuseleko lomqashi:
- Imali yeMali yeMarike - Umnini-mhlaba uvumelekile ukuba atyhale i- deposit ekhoyo kwimali yemarike yemali nje kuphela ukuba inkampani yotyalo-mali isekelwe eNew Jersey, ibhaliswe phantsi kwe-"Investment Company Act ka-1940," inezabelo ezibhaliswe phantsi kwe " Umthetho we-Securities Act ka-1933 kwaye i-fund inomhla wokukhula konyaka okanye ngaphantsi.
- I-Akhawunti yeBhanki yokuBala inzala - Abanikazi bezindlu abanamacandelo angama-10 okanye ngaphezulu kufuneka bafake i-deposit deposit kwi-akhawunti yebhanki ehlawula inzala kwisilinganiso esilingana okanye esikhulu kunomdla ohlawulwa kwi-akhawunti yebhanki yemali yemarike. Abanikazi bezindlu abanamacandelo angaphantsi kwe-10 kufuneka babeke imali kwi-akhawunti ebhankini ethwele inzala, kodwa akukho mfuneko ethile ngokuphathelele kwinqanaba lomdla.
Umnini-mhlaba kufuneka ahlawule umqeshi umdla okanye umvuzo owenziwe ngokukhuseleka kwabo rhoqo ngonyaka. Ukuba umqashi unqwenela, banako ukufumana eli nani lixhaswa kwirente zabo zenyanga.
ENew Jersey, ukuba umninikhaya angagcini idiphozithi yomqeshi kwi-akhawunti efanelekileyo, umnini-mhlaba unokunika isaziso esibhaliweyo sokuba bafuna umninikhaya ukuba basebenzise ukhuseleko lwabo, kunye ne-interest rate yesibhozo, ukuhlawula irente. Umnini-mpahla akakwazi ukucela nayiphi na into eyongezelelweyo yokhuseleko.
3. Ngaba isaziso esibhaliweyo sidinga eNew Jersey?
Ewe. Kukho iziganeko ezine ezihlukeneyo xa umnini-mhlaba kufuneka azise umqeshi ngokubhaliweyo malunga nokugcinwa kwezokhuseleko:
- Kwiintsuku ezingama-30 zokufumanisa ukhuseleko-Abahlali bavunyelwe ukufaka le saziso njengenxalenye yesivumelwano sokuqeshisa . Ukuba ukukhutshwa kwemiqathango yokukhutshwa kubandakanywe kwisigatshana sokuqeshisa ikhutshulwa , akukho saziso esibhaliweyo esibhaliweyo siyimfuneko.
- Kwiintsuku ezingama-30 zokuthutha i-deposit deposit kwi-bhanki eyahlukeneyo okanye kwi-fund market.
- Kanye ngonyaka uhambelana nentlawulo yenzalo yonyaka.
- Kwiintsuku ezingama-30 zokudlulisa ubunini bepropati.
Isaziso esibhaliweyo kufuneka sibandakanye:
- Igama lebhanki okanye inkampani yokutyalomali.
- Idilesi yebhanki okanye inkampani yokutyalomali.
- Uhlobo lwe-akhawunti apho i-deposit deposit is invested okanye ifakwe.
- Inzala yomyinge.
- Isixa sokukhuselwa kwekhuseleko.
- Ukusayina komnini womnini okanye ummeli wendawo yomnini.
Ukuba umninimzi akakhokheli umqeshi umdla umqeshi unelungelo okanye angaphumeleli ukunika isaziso esibhaliweyo xa kufuneka ukuba ngumthetho, umqeshi anganika isaziso esibhaliweyo ukuba umninikhaya makenze njalo. Emva kokufumana le saziso esibhaliweyo, ukuba umninikhaya angalandeli emva kweentsuku ezingama-30, ukugcinwa kwekhuseleko lomqeshi kungasetyenziselwa njengerenti kwaye umnini-mhlaba akavumelekanga ukuba acele idizithi eyongezelelweyo.
4. Ukukhutshwa kweDisktokhi yokuDeducula eNew Jersey
Umnini-mhlaba unokukwazi ukugcina yonke into okanye inxalenye yesibambiso sokukhupha isistim ngenxa yezi zizathu zilandelayo:
- Irente ehlawulwa.
- Ukulimala kwipropati ngokungaphezu kweengubo eziqhelekileyo zokugqoka kunye nokulila.
Umnini-mhlaba akavumelekanga ukuba enze nayiphi na incitshulwa kwi-deposit deposit kuze kube yilapho umqeshi ephumayo kwiyunithi.
5. Iintsuku ezingama-30 zokubuyela kwiDisposithi
- Iintsuku ezingama-30: E-New Jersey, umninimzi kufuneka abuyisele idiphozi yezokhuseleko kwisithuba seentsuku ezingama-30 emva kokuba umqashi aphume okanye aqeshwe . Nayiphi na inzala okanye imali efunyenweyo kufuneka ibuyiselwe. Ukuba umninimzi uthathe nantoni na kwi-deposit deposit, umnini-mhlaba kufuneka afake uluhlu olubhaliweyo lweehlomelo.
- Iintsuku ezili-15: Ukuba umnini-mali uphelile ukuqeshisa kwabo ngenxa yokuba baxhoba lobundlobongela basekhaya, umnini-mhlaba unemihla eyi-15 yokubuyisela i-deposit.
- Iintsuku ezi-5: Ukuba umqeshi uchithekile ngenxa yesikhukhula, umlilo, ukuphuma okanye ukugwetywa kwepropati, umnini-mhlaba kufuneka ukuba abuyisele idizithi yezokhuseleko kwisithuba seentsuku ezi-5.
6. Yintoni eyenzekayo kwiDistim ekhuselekileyo xa uthengisa impahla yakho?
Kwimeko apho uthengisa ipropati yakho, kukuxanduva lokudlulisa iifomethi zokhuseleko, kunye nayo nayiphi na inzala eyongeziweyo, kumnini omtsha zingaphantsi kweentsuku ezi-5. Kumele uxelele nabaqeshi, ngeposi ebhalisiweyo okanye eqinisekisiweyo, yokudluliselwa kwezokhuseleko zabo kumnini omtsha zingadlulanga iintsuku ezingama-30 zokudluliselwa. Igama lomnini omtsha nedilesi mazifakwe kule saziso esibhaliweyo. Umnini omtsha uya kuba noxanduva lokubuyisela idiphozithi kumqeshi, kunye nayo nayiphi na inzala enemali, nangona ungayidluliseli i-deposit deposits kuye.
Yintoni uMthetho weDispositi yoKhuseleko eNew Jersey?
Umxholo opheleleyo weNew Jersey yokugcinwa komgaqo-mali ungasifumana kwiNew Jersey Statutes Annotated 46: 8-19 ukuya ku-26 .