Ukukhutshwa kweNgcaciso yeDistim eMassachusetts
Ewe. EMassachusetts, umninikhaya akanakho ukuhlawulisa umqashi ngaphezu kwerenti enye yehorensi njengentlawulo yezokhuseleko . Ukongezelela ekufuneni irenti yokuqala yenyanga kunye ne-deposit deposit ngaphambi kokungena, umnini-mhlaba waseMassachusetts unokucela irente yenyanga edluleyo kunye nentlawulo yokuthenga nokufakela iskhikhi kunye nencoko. Ireyithi yokugqibela yenyanga kufuneka iqokelelwe kwaye igcinwe ngokweMassachusetts General Law Chapter 186, Icandelo 15b.
Indlela omele uyigcine ngayo i-Deposit Security eMassachusetts
EMassachusetts, i-deposit yokugcinwa kwemali yomqeshi kufuneka ifakwe kwi-akhawunti echaphazelekayo inzala eMassachusetts. Inkokhelo yekhuseleko ayikwazi ukudibaniswa nayiphi na enye imali. Umnini-mhlaba uyafuneka ukuba ahlawule umqeshi umdla wonyaka kwi-deposit yokhuseleko, usebenzisa i-interest rate ye-5 okanye inzala ye-akhawunti yebhanki.
Umqeshi angakhetha ukuba athathe le nzala kumvuzo wenyanga ezayo.
Ukuba ukuqeshiswa kupheliswe ngaphambi komnyaka opheleleyo, umnini-mhlaba kufuneka anike umnini -mali nomdla opheleleyo oqokelele kwi-deposit yabo kwisithuba seentsuku ezingama-30 zokupheliswa kweqeshiso. Kunyaka ngamnye, umnini-mhlaba kufuneka anike umqeshi isitatimende esibhaliweyo esibonisa:
- Igama negama lebhanki,
- Umgangatho wenzala,
- Inani lokukhutshwa kwekhuseleko,
- Inani lemali ekufuneka lihlawulwe kwaye
- Inombolo yeakhawunti apho idiphozithi egcinwe khona.
Isaziso esibhaliweyo sifanelekile emva kokufumana i-Deposit Security eMassachusetts?
Ewe. Umnini-mali kufuneka anike umqeshi ngezaziso ezintathu ezihlukeneyo.
Isaziso esisisithuba
Xa umninimzi okanye i-ejenti yomnini-mvume ethola i- deposit deposit evela kumqeshi, kufuneka anikeze ngokukhawuleza umqeshi nge risiti ebhaliweyo echaza oku kulandelayo:
- Isixa se-deposit deposit.
- Igama lomntu ofumana i-deposit deposit. Ukuba ummeli womnini-mhlaba nguye ofumana idiphozi yokukhusela, kufuneka adibanise negama lomnini-ndawo.
- Umhla wokufumana idiphozi yokhuseleko.
- Inkcazo yepropati eqeshwe.
- Umnini-mhlaba okanye i-ejenti yomnini-mhlaba kufuneka asayine kwakhona irhafu.
Ingxelo yeSaziso seNkcazo kwiintsuku ezili-10
Emva kokufumana idiphozithi, umninimzi unemihla eyi-10 ukubonelela umqeshi ngesaziso esahlukileyo esibonisa imeko yepropati umqeshi uyangena. Isaziso kufuneka sibandakanye: Emva kokufumana isaziso esibhaliweyo, umqeshi unemihla engama-15 ukubonelela umninikhaya ngesaziso esibhaliweyo esibhaliweyo kunye nohlu lwayo umonakalo kwipropati.
Umnini-mhlaba unokuthi asayine kwaye avumelane nale monakalo okanye afake ixwebhu ngokucacileyo ukuchaza ukungavumelani kwabo kunye nemonakalo ebhaliweyo.
- Nayiphi na umonakalo okhoyo kwiyunithi phambi kokungena kumqeshi kubandakanya nayiphi na impazamo yezempilo okanye yokwakha idilesi.
- Isalathisi esilandelayo sabhalwa "kwimiba enesibindi esineenkcukacha ezilishumi elinesibini" phezulu kwiphepha lokuqala lesaziso:
"Le ngxelo yesimo sendawo oqeshisile okanye oqashisayo. Kufuneka ufunde ngokucophelela ukuze ubone ukuba kuchanekile. Ukuba kuchanekile kufuneka usayine. Oku kuya kubonisa ukuba uyavuma ukuba uluhlu luchanekile kwaye luzalisekile ... * (Ukuze uxwebhu olupheleleyo lwesitatimenti kufuneka udibanise, nceda ubhekise kwi-2c. YaseMassachusetts General Law Chapter 186, Icandelo 15b
- Ukusayina komnini womnini okanye ummeli wendawo yomnini.
Isaziso apho i-Deposit Security ikhutshwa khona
Kwiintsuku ezingama-30 emva kokufumana i-deposit deposit, umninimzi kufuneka azise umqeshi ngokubhalwa kwegama kunye nedilesi yebhanki, inzala, inzala ethengisiweyo kunye nenombolo ye-akhawunti apho idiphozithi yabo igcinwe khona.
Ukungaphumeleli ukwenza oko kukuvumela umnini-mali ukuba abuyiselwe ngokupheleleyo imali yezokhuseleko zabo ngokukhawuleza.
Uhlobo loKhuseleko lweeDistim kwiRekodi zeMpahla kufuneka zigcine
EMassachusetts, umnini-mhlaba kufuneka ukuba agcine iirekhodi zeyunithi apho idiphozi yokhuseleko iqokelelwa khona. Ingxelo kufuneka ifake:
- Inkcazo ecacileyo yimuphi umonakalo owenziwe kwunithi.
- Umhla oqeshwe ngumqeshi waqedwa
- Ukuba umonakalo ulungiswe. Ukuba ukulungiswa, umhla wokulungiswa, iindleko zokulungiswa kunye neikopi zazo zonke iirisithi ezinxulumene nokulungiswa kufuneka zigcinwe.
- Iikopi zezinye izaziso ezinikezelwa ngumqeshi kuquka ukufumana idilesi yokufumana irhafu kunye nesitatimenti somqathango.
Umnini-mhlaba kufuneka anike ukufikelela kumqeshi kule nkhuseleko idilesi yokuposa kwisicelo ngexesha leeyure zoshishino eziqhelekileyo. Ukungaphumeleli ukwenza oko kunokubangela ukuba umqeshi abuyiselwe inani elipheleleyo lekhuseleko kunye neyiphi na inzala efunekayo. Umnini-mhlaba kufuneka ukuba agcine lolu luhlu iminyaka emibini emva kokuba kuqeshwe ukuqesha.
Ezinye izizathu onokuzigcina ugcina i-Deposit yoKhuseleko yaseMassachusetts eMassachusetts
Abanikazi bezindlu eMassachusetts bangavunyelwa ukugcina yonke into okanye isabelo sokugcinwa kwokhuseleko lomqeshi ngezi zizathu zilandelayo:
- Irente ehlawulwa.
- Iingxowa-mali zamanzi ezingakhokhelwa.
- Naliphi na irhafu yentlawulo engenamhlawulelwa apho umqeshi wayebophekile ukuhlawula.
- Ukulimala okungaphezulu kokugqithisa okuqhelekileyo kunye nokulila.
Xa Kufuneka Ubuyise i-Deposit yoKhuseleko yaseMassachusetts eMassachusetts
Inkokhelo yokhuseleko, ngaphantsi kwayo nayiphi na intsalela, kufuneka ibuyiselwe kumqeshi 30 iintsuku emva kokuphela koqeshiso. Ukuba kukho nayiphi na inzuzo eyenziwe, umnini-mhlaba kufuneka anike umqeshi ngoluhlu oluchanekileyo lwemali echithwayo kuquka uhlobo lomonakalo, indleko yokulungisa umonakalo kunye nayiphi na irhafu ehambelana nayo.
Yintoni eyenzekayo kwiDistim ekhuselekileyo xa uthengisa iipropati zakho
Kwimeko apho ipropathi ithengiswa khona, okanye ubunikazi buhanjiswe ngenye indlela, umninikhaya unembopheleleko yokutshintshela idiphozi yokhuseleko kunye nayo nayiphi na inzala kumnini omtsha. Umnini omtsha ke uxanduva lokwazisa umnini-mali, kungakapheli iintsuku ezingama-45 zokugqithiswa, ukuba ngoku bajongene nokugcinwa kwezokhuseleko, kubandakanywa negama labo, idilesi yezoshishino kunye nenombolo yomnxeba.
EMassachusetts 'UMthetho woLondolozo loKhuseleko
Ukuba unomdla ekubukeni umxholo wokuqala wesigqeba sokugcina i-deposit eMassachusetts, nceda uqhagamshelane neMassachusetts General Law Chapter 186, Icandelo 15b. Bheka # 6 yeCandelo le-15b ngemiphumo xa ungaphumeleli ukuhambelana naliphi na inxalenye yalo myalelo wokhuseleko .