Funda imida yokugcina imali kunye nemimiselo e-Iowa
Ingaba kukho umda wokugcina imali e-Iowa?
Ewe. Kwimeko yase-Iowa, umnini-mhlaba akakwazi ukucela irenti ezingaphezu kweenyanga ezimbini njengentlawulo yokhuseleko kumqeshi. Nangona kunjalo, ubonisa rhoqo ukujonga ngedolophu yakho yangasese okanye umasipala ukuqinisekisa ukuba kukho imithetho eyongezelelweyo okanye eyahlukileyo engayifaka isicelo kuwe.
Ungayigcina njani idiphozi e-Iowa?
E-Iowa, abanikazi bezindlu kufuneka babeke i-deposit yokukhutshwa kwendawo yokuhlala kwindawo ehlukile:
- I-akhawunti yebhanki,
- I-akhawunti yokugcina,
- Imboleko,
Okanye - YeMboleko.
Iziko apho i-akhawunti ikhona khona kufuneka iqinisekiswe nguRhulumente wephondo. Iifomethi zokukhusela azikwazi ukudibaniswa kunye naziphi na ezinye iimali zomnini womnini. I-akhawunti ayifuni ukufumana inzala, kodwa ukuba ifumana inzala, nayiphi na inzala efunyenwe kwidiphozithi ngethuba leminyaka emihlanu yokuqeshisa ingumninimzi.
Ngaba isaziso esibhaliweyo sifunyenwe emva kokufumana idiphozi e-Iowa?
Hayi.
Kwimeko yase-Iowa, umnini-mhlaba akadingeki ukuba anike umqeshi ngesaziso esibhaliweyo emva kokufumana idiphozi yokhuseleko lomqeshi.
Ziziphi ezinye zezizathu onokugcina ukugcinwa kwokhuseleko lomqeshi e-Iowa?
E-Iowa, umnini-mhlaba unokukwazi ukwenza ukuncitshiswa kwi-deposit yokukhupha isistim ngenxa yezi zizathu zilandelayo:
- Iingxowa ezingahlawulwa
- Umonakalo ogqithiseleyo ukuGqoka kunye nokuQoba
- Ezinye iziPhene zeSivumelwano seNgqesho
- Iindleko ezifakwe ekubuyiseleni ireyithi ukuba umqeshi wenqabe ukuzinikela
Ngaba ukuhamba-ukuhlolwa okufunekayo e-Iowa?
Abahlali base-Iowa abafunayo ukuba bahambe-ngokuhlola ipropati phambi kokuphuma komqeshi.
Ufanele ubuyele nini i-deposit yokukhupha i-deposit e-Iowa?
- Nini:
Kwimeko yase-Iowa, umqeshi unomnyaka owodwa ukusuka ekuphumeni ukunikezela umninikhaya ngedilesi yokuthumela apho ukhuseleko lwakhe lungathunyelwa okanye ukubonelela ngeminye imigaqo malunga nendlela ukhuseleko lokukhutshwa ngayo. Umnini-nye unemihla engama-30 emva kokufumana le saziso ukuba abuyisele inxalenye yesibambiso sokubambisa esetyala umqeshi.
- Njani:
Umnini-mhlaba kufuneka athumele isabelo se-deposit ehlawulwa kumqeshi kwidilesi yokuthumela idluliselwe ngumqeshi okanye kufuneka ulandele eminye imiyalelo efanelekileyo umqeshi ucele ukuba kuhanjiswe.
- Inkcazo echaziweyo:
Ukuba kukho nayiphi na intsalelo ethathwe kwi-deposit yokukhupha, umnini-mhlaba kufuneka abandakanye ingxelo ebhaliweyo ebhaliweyo echaza oku kuhluthwayo, kubandakanywa naluphi na umonakalo kunye neendleko zokulungisa.
Ukuba umninimzi ohluleka ukubandakanya uludwe olubhaliweyo olubhaliweyo zingakapheli iintsuku ezingama-30 zomqeshi ekuphumeni kunye nokufumana imiyalelo yokuhambisa, umnini-mhlaba uyalichitha ilungelo lakhe lokugcina nayiphi na isabelo se-deposit security deposit.
- Akukho Myalelo Wokuthumela:
Ukuba umnini-mali akasaniki idilesi yokuthumela okanye enye imiyalelo ungakunyaka omnye wokuhamba, inkokhelo yokhuseleko iba yipropati yomnini-ndawo.
- Ukunyanzela okungalunganga:
Ukuba umninimzi ehluleka ukubuyisela inxalenye yesibambiso sokubambisa umnini-mali ohlawulwa kumqeshi kwisithuba seentsuku ezingama-30 ekuphumeni kunye nokufumana imiyalelo yokuhambisa evela kumqeshi, umnini-mhlaba unokuhlawulwa ukuhlawula umonakalo owenziweyo, ubuninzi beedola ezingama-200 umonakalo wokugweba kunye nenkundla efanelekileyo kunye neentlawulo zommeli.
Yintoni eyenzekayo kwi-deposit yokugcina xa uthengisa ipropati yakho?
Kwimeko apho uthengisa ipropati yakho okanye ipropati enye inguqu ubutshintsha ubunini, kukuxanduva lwakho:
- Ukutshintshela zonke iifomethi zokhuseleko, emva kokwenza nayiphi na inqununu evumelekileyo, kumnini omtsha wepropati. Kumele uxelele umqeshi wegama lomnini omtsha, idilesi yomnini omtsha, kunye nexabiso elithunyelwayo. Umqashi unemihla engama-20 emva kokufumana le saziso ukukhasana nemali esithunyelwayo.
Okanye
- Buyisela i-deposit security deposits, ngaphantsi kwanoma yiyiphi inqununu echithwayo, ngqo kubaqeshi.
Yintoni egcinwa ngumyalelo wezokuphepha ka-Iowa?
Ukuba unomdla ekubukeni umxholo womthetho olawula ukugcinwa kwezokhuseleko kwi-Iowa, nceda uqhagamshelane ne-Iowa Code Annotated ยง 562A.12.