Difutu dia mfranga difunda pamue ne dikuba dia makuta dia konte wa tshisumbu¶

Kumanya ne: muana, muena dibaka nebe, muena dibaka nende wa kale, muena nzubu nende anyi mulunda webe mmulekele kufuta makuta a mashinyi, a mulongi wa pa nkayende, a karte ka mfranga, a nzubu anyi a nzubu unudi bafunde anyi banzulula pamue, mbualu budi buenzeka mu tshimpitshimpi. Bantu ba bungi badi bafunda mikanda badi bela meji ne: "mufundi" anyi "mufidi wa tshijadiki" udi anu muntu udi banke mua kuyukila nende anu padiye mumane kujikija mishindu yonso ya mikenji idi itangila muena dibanza wa kumpala.

Mu mikenji ya bipungidi bia bungenda mu États-Unis, Canada, Royaume-Uni ne Australie, lungenyi elu ndua dishima. Paudi utua tshiala pa mukanda wa dilaya dia mfranga anyi bu mufidi wa mfranga, muena mfranga, anyi mufidi wa mfranga, udi ne dibanza dia 100 pa lukama dia dibanza buludiludi kubangila ku dituku dia 1. Difutu dionso dia matuku 30, 60, ne 90 didi dipanga kufuta kudi muena dibanza dia kumpala didi dikuata luapolo luebe lua mfranga ne dinyoka dia muomumue anu bu wewe mupangile difuta, ne pikala dibanza kadiyi dikumbane, mufidi wa mfranga udi mua kukufunda buludiludi, kukufuta difutu diebe, anyi kuenza mudimu ne "bukokeshi bua OffR" ku banke ku konte webe wa kumpala kayi mufute makuta a kumpala nansha. musombeshi wa kumpala. Mukanda ewu udi ukulombola ku kakese ku kakese bua kuimanyika dinyanguka dia lukasa dia mfranga, kukanga konte ya banke ne karte ka mfranga, kusungila mashinyi anyi nzubu udibu bafunde kumpala kua kuangata anyi kumuipata, kutumikila mikenji ya dilekela dia mfranga ne dimanyisha dia mikenji, ne kupingaja makuta ebe kudi muena dibanza wa kumpala.

Enza nunku mpindieu¶

1. Koka luapolo luebe luonso lusatu lua mfranga lelu ne enza mamanyisha a difuta dia makuta mu tshikondo tshiakane pa konte yonso udibu bafunde pamue anyi udibu benze pamue: Log in to AnnualCreditReport.com (mu ditunga dia États-Unis) anyi biro bia ditunga diebe dia mfranga (Equifax, Experian, ne TransUnion) bua kumona konte yonso idi ifila luapolo muinshi mua bumuntu buebe. Bafidi ba makuta kabatu batamba kulomba kudi mikenji ya ditunga bua kubikila anyi kufundila muena mudimu kumpala kua kufila luapolo lua difutu dia matuku 30 kudi biro bia makuta to; Kulongolola tshibuelelu tshia ku Enternete ne mifundu/e-mail ya "Difutu didi ne tshia kufuta" ne "Difutu dikadi dipita" pa dibanza dionso didibu bafunde pamue ke tshiamu tshieba tshimuepele tshia kudimuija natshi bantu kumpala kua dîba.
2. Bikala dibanza didi dipita matuku 15 too ne ku 29 mpindieu, enza difuta dia ngondo umue lelu kumpala kua dituku dia 30 kufika: Biro bia mfranga bidi anu bifunda bipimu bia dipanga dia makuta kutuadijila ku matuku 30 panyima pa dituku dia difuta dia difuta. Shi muena dibanza wa kumpala mupangile difutu matuku 20 adi mapita, kufuta tshitupa tshimue tshia ku ngondo wewe nkayebe kumpala kua dituku dia 30 kudi kupangisha dipueka dia 60-to-110-point mu tshitupa tshiebe tshia mfranga eku kukupesha matuku 30 bua kuenza mudimu wa dipatuka dia kashidi (bu mudi: kupingaja makuta, kusumbisha tshintu, anyi kufila tshintu tshia kufutshila).
3. Tapulula konte yonso ya tshikebelu anyi ya dilamina makuta ne utume makuta ebe a difutu ku banke mukuabu wewe ne dibanza dia mfranga idi kayiyi mifuta ku banke umue au: Pa konte wa banke wa buobumue, 100 pa lukama ya makuta adi mu konte adi aleja kudi muena konte mukuabu udi upatula makuta, udi ufila makuta a bungi, udi ufuta bitadi ne udi wangata bilumbu bia ku kabadi. Pa kumbusha, shi uvua muele tshiala pa dibanza dia mashinyi anyi dia pa nkayebe ku banke umue anyi ku tshisumbu tshia bafidi ba makuta muaba uudi ne konte webe wa makuta, tshipungidi tshia mufidi wa makuta Bukenji bua difutu (Set-Off) tshidi tshimuanyishila bua kubuela mu konte webe wa makuta ne kuangata makuta ebe dîba didi dibanza diudi mutue tshiala dipanga kukumbaja.
4. Umvua dishilangana didi pankatshi pa "Muena mudimu udibu banyishile" ne "Muena konte wa pa buende / Muena konte" pa karte ka mfranga: Bikila mufidi wa karte ka mfranga diakamue ne umuebeje mushindu uudi mufunda pa konte. Shi muntu mukuabu udi anu Muena mudimu udibu banyishile pa karte kebe, umbusha dina diende ne uteke karte kende ka mubidi mu masekonde 60; shi udi muena mudimu muanyishibue ku karte kabu ka dipanga dia kufuta, ambila mufidi wa makuta bua kukumbusha bu muena mudimu muanyishibue ne kuela mpata pa mulongo wa ngendu mu luapolo luebe lua mfranga diakamue (bena mudimu badibu banyishile kabena ne dibanza dia mikenji bua dibanza to).
5. Biwikala muele tshiala pa mukanda wa nzubu mudi muena nzubu mulekele kufuta bitadi, enza mudimu ne muena nzubu kumpala kua tshilumbu tshia diumusha (Muena nzubu udi kayi mu mikenji) tshifunda mu dina diebe: Muinshi mua meyi a "Joint and Several Liability" mu mikanda ya nzubu, bamfumu ba nzubu batu pa tshibidilu babikila muena nzubu udi musombe ne muntu udi kayi muena nzubu bu muena nzubu/muena nzubu bantu badibu bafunda mu tshilumbu tshia diumusha bantu mu nzubu, tshidi tshiteka pa liste wa kashidi malu audi mufutshile nansha wewe kuyi muanji kusombela mu nzubu au. Yukila bua kujikija tshipungidi tshia kufutshila, kufila nsapi, anyi kusumba bintu ne muena nzubu kumpala kua kufunda tshilumbu ku kabadi.
6. Kutetshi nansha kakese "kudikuatshisha" anyi dikokangana dia ku mubidi bua kupingaja mashinyi kudi muena dibanza udi ne lukuna: Nansha wewe muele tshiala pa dilomba dia mashinyi ne wenza makuta onso, bikala dîna diebe kadiyi pa mukanda wa mbulamatadi wa bumfumu (anyi mufunda ne "NE" udi ulomba bianza bionso bibidi), kuangata dianyisha dia muendeshi wa mashinyi kakuyi dianyisha dia musombeshi udi mua kuenza buivi bua mashinyi anyi dishipa dia ditalala. Shi dikokangana ne muena dibanza nebe anyi muena dibaka nende wa kale dikola too ne ku njiwu anyi ku tshikisu tshia mu nzubu, ndaku muaba udi bukubi ne ubikile nimero ya lukasa lukasa ya muaba unudi (911 mu États-Unis ne mu Canada, 112 mu Union européenne mujima, 999 mu Royaume-Uni) anyi yukila netu nomba ya tshimpitshimpi tshilaminu.

Tshimfuanyi tshia mapangadika: disungula dia dipanga dia mfranga anyi dipanga dia mabanza pamue¶

flowchart TD
    Start["Muena dibanza wa kumpala mmulekele kufuta anyi mmujimije konte wende"] --> AccountType{"Mmushindu kayi wa konte wa tshisumbu anyi wa tshisumbu udi mu njiwu?"}
    AccountType -->|"Konte wa ku banke anyi karte ka mfranga"| BankCard{"I konte wa makuta anyi karte ka mfranga?"}
    BankCard -->|"Konte wa tshikebelu / wa dilama dia makuta"| RingFence["Kangula konte mupiamupia wa Solo Bank mu tshibambalu tshikuabu: Upingaje makuta audi muele ne funda tshitupa tshieba tshia makuta"]
    BankCard -->|"Karte ka mfranga"| CardRole{"Udi muena mudimu pamue anyi muena mudimu udibu banyishile anyi?"}
    CardRole -->|"Muena mudimu muanyishibue"| RemoveAU["Bikila mufidi wa bintu bua kumbusha nsombelu wa muena mudimu udibu banyishile + dikokangana dia malu a mushinga adi kaayi malelela (kakuyi dibanza dia mikenji)"]
    CardRole -->|"Muena mudimu pamue / Mufidi wa tshijadiki"| FreezeCard["Lomba dikanga dia lukasa dia konte / dikanga dia malu makole bua kabakuela bitadi bipiabipia to"]
    AccountType -->|"Difutu dia mashinyi difunda pamue"| CheckTitle{"Mmunyi mudi mukanda wa bumfumu wa mashinyi mufunda?"}
    CheckTitle -->|"Anu Cosigner (Ki pa Mutu) anyi Mufunda ne 'NE'"| AutoNeg["Futa kumpala kua dituku dia 30 bua kulama makuta: Enzayi bua kusumba bintu ku budisuile, kupingaja makuta anyi kushintulula muntu udi ufila makuta"]
    CheckTitle -->|"Muena nzubu udi mufunda ne 'OR' pa mukanda wa ditunga"| CoOwnerSell["Udi ne bukokeshi bua mu mikenji bua kusumbisha anyi kusumbisha mashinyi nkayebe bua kufuta dibanza"]
    AccountType -->|"Dibanza dia balongi anyi dia nzubu wa tshilala benyi"| StudentLease{"Makuta a mulongi anyi a nzubu?"}
    StudentLease -->|"Makuta a mulongi a pa nkaya"| CheckRelease["Lomba lutulu lua ntatu, tangila ni cosigner udi mukumbane bua kupatuka, anyi enza / udikuba bilondeshile mikenji ya mikalu"]
    StudentLease -->|"Difutshila dia nzubu difunda pamue"| StopEvict["Ikala uyukila ne muena nzubu kumpala kua difunda dia tshilumbu tshia diumusha: Nuakula bua difila dia bintu bia mushinga mukole ne difuta dia makuta adi mashale bua kulama dîna diebe pambelu pa mikanda ya kabadi"]

Tshitupa 1: Umanye nsombelu webe mulelela (Muena mudimu pamue ne muena mudimu nende anyi muena mudimu udibu banyishile)¶

Kumpala kua kuenza bualu kampanda, keba mukanda wa kumpala wa tshipungidi ne mikanda ya bumpianyi bua kumanya tshidi tshikutangila mu bitupa binayi bia mikenji. Dibanza diebe dia mikenji bua dibanza ne bukenji buebe bua bumfumu bua bintu ebi bidi bintu bibidi bishilangane.

Difuanyikija: Mishindu inayi ya konte ya makuta miabanya¶

Tshitupa 2: Dikuba dia lukasa dia mfranga ya mashinyi (Kuepuka bilumbu bia dipingaja dia bintu ne dipanga dia bintu)¶

Padi muendeshi wa kumpala wa mashinyi a mfranga ulekela kufuta anyi ulekela tshishimbi tshia mashinyi tshijika, mufidi wa mfranga udi ufila luapolo lua matuku 30 lua dipanga dia makuta mu luapolo luebe lua mfranga, udi upingaja mashinyi kakuyi mukenji wa ku kabadi, udi umupana ne dijimija dia bungi, ne ukufunda wewe (muena tshitupa tshia mashinyi) bua "Dipanga dia makuta" adi mashale.

Mushindu kayi wa kusungila mfranga ya mashinyi mifunda kumpala kua dipingaja dia mfranga¶

• Tshienzedi 1: Tangila mukanda wa ditunga ("NE" vs. "OR"):
  • Angata mukanda wa lumu lua mashinyi mu tshibambalu tshia mashinyi tshia mu provense webe (DMV). Shi udi Co-Owner mufunda bu "Parent OR Child", udi ne bukokeshi bua mikenji bua kuangata mashinyi mu ditalala ne kuasumbisha diakamue kudi tshisalu (bu mudi CarMax anyi Carvana) wenza mudimu anu ne tshiala tshiebe bua kufuta dibanza. Shi udi Cosigner Only (ki pa title to) nansha udi mufunda ne "AND", udi dijinga ne tshiala tshia muena dibanza wa kumpala bua kusumba.
• Tshienzedi 2: Ujadike ne Collision ne Comprehensive Auto Insurance udi wenza mudimu lelu:
  • Shi mashinyi adi kaayi ne assurance mishipa anyi mabi malaba, udi anu ne dibanza dia 100 pa lukama dia makuta adi mashale a dibanza dia mashinyi mu tshibombi tshiebe. Bikila muena mudimu wa tshishimbi ne umone ni dibanza didi ne GAP Insurance diakamue.
• Tshienzedi 3: Kuyukila bua "Disumbisha dia bena mudimu pamue" (Kubuikila dipanga dia makuta):
  • Nansha mudi mashinyi ne mushinga wa 18,000 USD ne difutu dia dibanza didi 21,000 USD (3,000 USD muinshi mua mayi), kufuta 3,000 USD bua kuambuluisha muena dibanza wa kumpala bua kusumba mashinyi kudi mupanyi lelu kudi ne mushinga mukesa kupita kuangata 150-point repossession hit ne kupeta dipanga dia 100,000 USD.
• Tshienzedi 4: Shi mashinyi avua mapingajibue, tangila mikenji yebe ya UCC Article 9 Defenses:
  • Muinshi mua Uniform Commercial Code (UCC) Sections 9-611 to 9-614, mufidi wa makuta udi wangata mashinyi udi ne tshia kutuma mukanda mufunda wa "Dimanyisha dia tshitudi balongolole bua kusumbisha nzubu" kudi muena dibanza wa kumpala ne kudi muena mudimu kumpala kua kusumbisha mashinyi. Muinshi mua UCC 9-625 ne 9-626, pikala banke mupangile bua kukutumina mukanda wa dimanyisha dia kumpala kua dipana dia bintu kudi wewe (mufundi), mu matunga a bungi mufidi wa makuta udi mukandika kudi mikenji bua kuangata makuta adi mashale a dipanga kudi wewe.

Tshitupa 3: Kudikuba ku dipanga dia mfranga ya balongi¶

Nansha mudi makuta a balongi adibu bafuta ne adibu kabayi bambuluisha kudi mbulamatadi kaayi alomba bantu badi baafunda (pa kumbusha muntu udi ufila dianyisha dia makuta adibu bafuta ne adi kaayi makane), pa mutu pa 90 pa lukama ya makuta adibu bafuta balongi ba mu kalasa ka kumpala adi mafunda kudi muledi, kaku anyi mulela.

Mishindu inayi ya kupeta anyi kukuba mfranga ya balongi¶

1. Kuenza mudimu ne "Cosigner Release" wa tshipungidi KUMPALA kua muena dibanza kupanga kufuta:
   • Bipungidi binene bia mfranga ya balongi (Sallie Mae, SoFi, College Ave, Citizens, Discover, Earnest) bidi ne Cosigner Release udi umbusha kashidi dina diebe ne dibanza diebe mu mfranga panyima pa mulongi udi musombe mulongi mumane kujikija tulasa ne wenza 12 too ne ku 48 milondangane, pa dîba dia ngondo yonso ne makuta a nsongo ne makuta a mfranga ne tshikebelu tshia mfranga.
   • Dilomba dionso dia kulekelela, dia kupingaja, anyi dia difutu dia matuku 30 dia panyima pa dîba ditu pa tshibidilu dipingaja dîba dia Cosigner Release dia ngondo 12 too ne ku 48 ku zero. CFPB mmufunde ne: bena mudimu kabatu batamba kuenza mudimu ne Cosigner Release nkayabu to; muena dibanza udi ne tshia kutuma Dilomba dia dilekela dia muena mudimu ne mikanda ya difutu.
2. Tumikila mikenji ya ditunga idi ibengangana ne dijimija dia makuta ne lufu (15 U.S.C. 1650):
   • Muinshi mwa Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018 (dishintulula dia Truth in Lending Act at 15 U.S.C. 1650(g)), bua mabanza a tulasa tua pa nkaya adibu benze mu dia matuku 20 ngondo wa dikumi ne umua 2018 anyi panyima pa matuku 2018, pikala mulongi udi ulomba makuta, mikenji ya mbulamatadi idi ilomba kudi mbulamatadi ulekesha cosigner ku malu onso adiye ne bua kuenza pa dibanza. Wewe (muena mukanda) ulomba dijimija dia makuta anyi bikala muntu mukuabu udi ne dibanza ufua, mufidi wa makuta udi mukandike bua kumanyisha dipanga dia makuta dia tshianana anyi kuenza bua dibanza dikale dia lukasa kudi muntu udi mushale.
3. Lomba dilekela dia lukasa dia ntatu anyi dishintulula dia mushinga bua kuimanyika dipanga dia makuta:
   • Shi mulongi udi musombe makuta mujimije mudimu wandi ne kena mua kufuta ngondo ewu, nubikile tshibambalu tshia dijimija dia makuta tshia mufidi wa makuta diakamue. Bantu ba bungi badi bafila makuta kudi balongi batu bafila 3-to-12-month Hardship Forbearances anyi Interest-Only / Reduced-Rate Repayment Programs (bapuekesha bungi bua makuta too ne ku 2 anyi 4 pa lukama bua ngondo 12 too ne ku 24) idi ilama dibanza difunda bu "Current / Paying as Agreed" paudi ulongolola luapolo luebe lua difuta dia kashidi.
4. Tangila mikenji ya ditunga kumpala kua kufuta makuta a mfranga idi kayiyi mifuta mutantshi mule:
   • Shi mfranga ya mulongi ya pa nkaya mikale mipangile ne mifutshibue kukadi bidimu bia bungi, tangila Mikenji ya mikalu ya bipungidi bifunda (pa tshibidilu bidimu 3 too ne ku 6) ya ditunga dienu kumpala kua kufuta dolare umue.
   • Muinshi mua mikenji ya tshipungidi tshia ditunga, pikala muena dibanza wa kumpala mufute dibanza dikese pa dibanza dia kale, mu matunga makuabu difuta adi didi dipingaja tshikondo tshia dibanza anu bua muena dibanza wa kumpala, ki mbuebe wewe, muena tshipungidi, pa kumbusha wewe nkayebe muanyishe anyi mufute dibanza edi. Kuenji nansha kakese "difuta dia ditabuja dimpe" pa dibanza dia kale divuabu bafute too ne paudi ujadika ni tshikondo tshia ndekelu tshikadi tshimane kujika.

Tshitupa 4: Mushindu kayi wa kuimanyika mukanda wa difutshila nzubu udibu bafunde pamue bua kunyanga nzubu webe wa kufutshila ne wa mfranga¶

Baledi ne balela badi batua tshiala pa mukanda wa nzubu bu Mufidi wa nzubu / Mufidi wa nzubu badi ne njiwu ya pa buayi: mu matunga a bungi, bikala muntu udi ufutshila nzubu mulekele kufuta nzubu anyi mubenge bua kupatuka padi mukanda wa nzubu ujika, muena nzubu udi ufunda mukanda wa Unlawful Detainer / Summary Eviction Lawsuit muntu yonso udi muele tshiala anyi mufundi wa nzubu tshijadiki. Nansha muudi musombele mutantshi wa kilometre 500 (kilometre 310) ne kuyi muanji kubuela mu nzubu, kuikala ne dilumbuluisha dia diumusha dia bantu difunda muinshi mua dina diebe ne nomba webe wa Social Security kudi mua kukupangisha diakamue kudi biamu bia kutangila nabi nzubu ne kupuekesha nomba webe wa mfranga.

Mukenji webe wa dikuba dia tshijadiki tshia tshimpitshimpi tshia 4-step¶

1. Lomba kopi ya mikenji ya mamanyisha onso a "Kufuta anyi kulekela":
   • Funda diakamue muena nzubu anyi kumpanyi udi utangila nzubu ne umupeshe e-mail ne adrese webe wa poste. Amba ne bu mufidi wa tshijadiki tshia nzubu, udi ulomba difila dia lukasa dia matuku 3, 5, anyi 14 Dimanyisha dia kufuta nzubu anyi kulekela nzubu kumpala kua difunda dia tshilumbu ku kabadi.
2. Tangila ni tshijadiki tshieba tshijika nkayatshi ku ndekelu kua ngondo 12 ya difutshila:
   • Bala meyi malelela a Lease Guaranty Addendum uudi mutue tshiala (mabeji a mukanda wa difutshila udi ne bule bua 21.6 ku 27.9 centimètres, anyi 8.5 ku 11 inches; ikala ne tshilaminu tshieba tshia kumpala mu tshilaminu tshidi katshiyi mua kukuata kapia tshilama mu bule bua metre 1.2, anyi metre 4, ne panshi).
   • The Renewal Defense: Muinshi mua mikenji ya muena nzubu ne muena nzubu mu matunga a bungi (bu mudi New York, Californie, Illinois, ne Texas), dibanza dia mufidi wa nzubu didi diumvuija bimpe menemene (strictissimi juris). Pa kumbusha padi tshipungidi tshia dijadika tshileja patoke ne: ntshijadiki tshia "Dijadika didi ditungunuka didi dishala ne bukole mu bikondo bionso bia dipingaja dia tshipungidi tshia kufutshila, divudija dia matuku, dibandisha dia bitadi bia nzubu, ne dishala dia ngondo ku ngondo," dibanza diebe dia mikenji bu muena mudimu **didi dijika nkayadi ku ndekelu kua ngondo 12 ya tshipungidi tshia kumpala, nangananga bikala muntu udi ufutshila nzubu ne nzubu wakatua tshiala pa mukanda mupiamupia wa dipingaja dia nzubu ku mushinga mukole wa ku ngondo kuyi mupete tshiala tshiebe pa dipingaja dia nzubu.
3. Kuyukila bua "Guarantor Key-Surrender & Dismissal Stip" kumpala kua kabadi:
   • Shi udi ne dibanza dia mikenji pa tshipungidi tshia nzubu ne muena nzubu kayi mua kufuta, yukila ne muena nzubu bua kumbuka mu nzubu ne kupingaja nfungulu kudi mulombodi wa nzubu diakamue kumpala kua dimanyisha dia kufuta anyi kulekela kujika.
   • Padi muena nzubu ufila nsapi ne umbuka ("difila dia bintu"), muena nzubu kena mua kufila kabidi tshilumbu tshia diumusha nzubu bua dikala ne bintu, ne udi ulama dipangadika dia diumusha nzubu ku kabadi kebe ne ka muena nzubu. Pashishe udi mua kuenza tshipangu tshia difuta dia ngondo yonso anyi dijikija dia makuta a tshitupa tshimue bua makuta a nzubu adi kaayi mafute, ne kuvuluija muena nzubu Mudimu wende wa mikenji wa kujikija bilumbu (mu matunga onso a mu États-Unis ne mu provense yonso wa mu Canada, padi muena nzubu umbuka kumpala kua dîba, muena nzubu udi ne bua kuenza mudimu bimpe bua kufuta nzubu yonso mupiamupia lupetu lua muena nzubu ne lupetu lua nzubu luudi mushale).
4. Bikala mukanda wa dibikila dia dipatuka mu nzubu mumane kufidibua ne dina diebe, enza bua kudipatula mu tshilumbu tshia dikala ne bintu:
   • Shi muena nzubu udi ukutela (muena nzubu udi kayi musombele udi kayi muanji kusomba anyi kuamba ne: udi ne nzubu) bu muena tshilumbu mu tshilumbu tshia Muena nzubu udi kayi mu mikenji / Diumusha mu tshitupa tshîpi, angata avocat wa muena nzubu anyi yukila ne bena mudimu diakamue bua kukufundila Dilomba dia diumusha / Dijimija buebe wewe nkayebe.

Tshitupa 5: Kukuba konte ya banki ya bantu bonso ne dishipa dia dibaka/ditapulula dia mabanza a bantu bonso¶

Mushindu kayi wa kulama makuta eba ne mfranga mu bitupa binayi¶

• Tshitupa 1: Fungula konte mupiamupia wa "Solo" wa makuta ne wa kulama makuta mu nzubu mukuabu wa banke:
  • Kukangula konte mupiamupia wa nkayebe ku banke umue muaba uudi ne konte anyi karte ka mfranga ne muena dibaka nebe anyi muena dibaka nebe, bualu banke idi mua kuenza mudimu ne bukenji bua difutu dia tshipungidi ku konte yonso idi mu mukanda umue. Kangula konte webe mupiamupia wa nkayebe ku banke anyi ku tshisumbu tshia mfranga ne ufila 100 pa lukama ya makuta ebe a difutu, dipingaja dia bitadi, ne makuta a diambuluisha mu konte mupiamupia wa nkayebe.
• Tshitupa 2: Umanye ne: mukanda wa dishipa dia dibaka kawena upita tshipungidi tshia mufidi wa makuta to:
  • Nansha mudi kabadi kebe ka dîku Mukenji wa dishipa dia dibaka ulomba muena dibaka nebe wa kale bua kufuta makuta a mashinyi, a nzubu, anyi a karte ka mfranga, banke kavua mu tshilumbu tshiebe tshia dishipa dia dibaka to, nunku mukanda wa dishipa dia dibaka kawena ukulekela ku tshipungidi tshiebe ne banke to. Ikala ulomba ne: dibanza diebe dia dishipa dia dibaka didi dilomba bua dibanza dionso ne bintu bionso bidibu bafunde pamue bikale bipingajibue anu mu dîna dia muena dibaka nebe (anyi bipanyishibue ku tshisalu) mu matuku 60 too ne ku 90.
• Tshitupa 3: Kukanga anyi kukanga karte ka mfranga kadi ka mfranga ya ku nzubu (HELOCs):
  • Pa karte ka mfranga anyi Home Equity Line of Credit (HELOC), muena mfranga yonso udi mua kuangata makuta malaba mu dinda, ne kukushiya ne dibanza dia 100 pa lukama. Bikila mufidi wa karte ka mfranga ne banke wa HELOC lelu ne ulombe diakamue Dikanga dia mfranga / Diimanyika dia dikosa dia makuta bua sero difuta dipiadipia anyi dikosa dia makuta didi mua kuenzeka padibu bafuta makuta adiku.
• Tshitupa 4: Kulama konte wa ku banke wa tshisumbu kudi muena dibanza wa muena mudimu nende ("Dilonda / Bumfumu buakane"):
  • Shi muena mabanza anyi tshibambalu tshia bitadi tshikanga konte wa ku banke bua kufuta mabanza anu kudi muena mudimu mukuabu, funda diakamue Dilomba dia dilekedibua / Dibuela dia muntu muisatu kudi muena mudimu udi ufila bitadi ne ku kabadi mu matuku 10 too ne ku 15, ne ulamakaja **matuku 90 a difuta dia makuta a ku banke ne malu adibu bafuta buludiludi ku diambuluisha dia Dilonda dia makumi adi aleja ne: makuta adi mu konte wa tshisumbu adi afumina ku difutu diebe anyi ku diambuluisha dia Social Security (Mukenji wa bumfumu buakane / wa difila dia makuta).

Tshitupa 6: Mushindu kayi wa kupingaja makuta eba kudi musombeshi wa kumpala ("Budikadidi bua kufila ne kufila")¶

Shi muena dibanza wa kumpala mupangile bitadi ne wewe muenzejibue bua kubuelamu ne kufuta bitadi bia mashinyi biuvua mupangile, bitadi bia dibanza dia balongi, anyi bitadi bia nzubu bua kulama tshitupa tshieba tshia makuta, udi mua kufunda muena dibanza wa kumpala bua kukupingajila makuta:

1. Budikadidi buebe bua kupingaja makuta anyi bua kufuta bitadi: Muinshi mua malongesha makane ne a mikenji a Dijadika, Dipingaja, ne Dipingaja (difunda mu Dipingaja (Disatu) dia Dijadika ne Dijadika), padi muntu udi ufuta dibanza pa muaba wa muena dibanza udi muena dibanza, muena dibanza udi mupete dibanza udi ne bujitu bua kupingajila mufundi wa mukanda bua dolare yonso udiye mufute.
2. Budikadidi buebe bua "Kufila" (Kubuela mu tshitupa tshia Mufidi wa makuta): Muinshi mua Uniform Commercial Code (UCC) Section 3-419(e), "tshisumbu tshia nzubu wa tshilala benyi" (muena tshipungidi) udi ufuta mukanda wa dilaya udi ne bukenji bua kupingajibua kudi muntu udibu basombeshe ne udi ne bukenji bua kuenzeja tshipungidi tshionso tshia makuta muena dibanza.
3. Mushindu wa kufunda ku kabadi ka malu makese: Usangishe tshipungidi tshia kumpala tshia dibanza anyi tshia difutshila, tshijadiki tshia se: muena dibanza uvua mupete bintu, mikanda ya ku banke idi ileja bungi bulelela udi mufute mufidi wa dibanza, ne mesaje anyi e-mail yonso idi ilaya bua kufuta, utume 14-Day Written Demand for Co-signer Rembursement, ne funda dilomba mu Small Kabadi.

Bulombodi bua matunga masanga: Royaume-Uni, Canada, ne Australie¶

• Mu Royaume-Uni (Makuta a tshijadiki, mikenji ya FCA ya mushinga, ne bilumbu bia FOS): Makuta a mushinga mukole "Makuta a tshijadiki" adi alombodibua kudi Financial Conduct Authority (FCA) muinshi mua CONC 5.2A, udi ulomba bafidi ba makuta bua kuenza tshipungidi tshikole tshia kumpala kua tshipungidi tshia Difutu dia makuta ne dia mushinga wa makuta pa bidi bitangila dilomba dia makuta ne mufidi wa tshijadiki ne kutuma Mamanyisha a bungi bua makuta adibu bafute bilondeshile Mukenji wa Makuta a Basumbishi wa 1974. Shi bipimo bya mushinga byadi bilema nansha shi tshiala tshieba tshienzejibua, funda dilomba dia tshianana kudi Financial Ombudsman Service (FOS) ku financial-ombudsman.org.uk bua kukeba dipatuka dijima ne dilengeja dia mukanda wa mfranga.
• Mu Canada (Dimanyisha dia pamo, Difila dia mibelu ya mikenji, ne OBSI): Muinshi mua mikenji ya Financial Consumer Agency of Canada (FCAC), banke idi milombodibua kudi mbulamatadi idi ne tshia kufila dimanyisha dia pa nkaya kudi badi basomba nabu ne kudi bafidi ba makuta pa kumbusha padibu batua tshiala pa dianyisha dia adrese umue. Shi udi muele tshiala pa mukanda wa tshijadiki kuyi ne Mibelu ya mikenji ya pa nkaya (ILA) muaba udiku buenzeji budi kabuyi buakane, yukila ne avocat anyi uya kudi Ombudsman for Banking Services and Investments (OBSI).
• Mu Australie (ASIC Banking Code of Practice Guarantor Protections and AFCA): Muinshi mua ABA Banking Code of Practice ne National Credit Code, banke ya mu Australie idi ne tshia kupesha bantu badi mua kuikala ne tshijadiki tshia malu a mfranga, madimuija, ne tshikondo tshia dikisha tshia matuku 3 kumpala kua kutua tshiala pa tshiala, ne kudilama ku malu mabi a mfranga (Gciar* wa ditunga dia Australie). Fila dilomba dia tshianana kudi Australian Financial Complaints Authority (AFCA) ku afca.org.au bua kuimanyika dikumbaja dia mikenji ne kukeba dilekedibua pikala banke mushipe mikenji ya dikonkonona dia tshijadiki.

Nkonko itubu bela misangu ya bungi¶

Miaba mifumina¶

• Tshibambalu tshia malu a bungenda tshia mbulamatadi (FTC, États-Unis): Mukenji wa malu a bungenda udi utangila malu a mfranga (16 CFR tshitupa tshia 444, tshitupa tshia 444.3 malu adi kaayi makane anyi a dishima a muena mudimu ne dimanyisha dia mushinga kudi muena mudimu) ne buludiki bua basumbishi pa bidi bitangila difila dia mfranga.
• Biro bia dikuba dia makuta a badi basumba bintu (CFPB, mu États-Unis): Bulelela mu mikenji ya difila dia makuta (Mukenji Z, 12 CFR Tshitupa tshia 1026: Dikuba dia bujitu bua muena mudimu udibu banyishile ne dilekela dia makuta a tulasa tua pa nkaya ne dilekela dia lufu dia bantu badi basumba bintu muinshi mua 15 U.S.C. 165()) ne Mikenji ya dilombola dia makuta a balongi Cosigner Release Servicing.
• Uniform Law Commission & American Law Institute (United States): *Uniform Commercial Code (UCC) Article 3 Section 3-419 (Instruments Signed for Accommodation / Cosigner Subrogation Rights) and UCC Article 9 Sections 9-611 to 9-626 (Mandatory Post-Posession Post-Reposes to Designers and Deficiences Code).
• Fannie Mae & HUD (United States): Fannie Mae Selling Guide B3-6-05 (Monthly Debt Obligations: Contingent Liabilities / Excluding Co-Signed Debt with 12 Months Proof of Primary Borrower Payment) and 11 U.S.C. 1301 (Nshapita wa 13 Co-Debtor Automatic Stay).
• Tshibambalu tshia malu a mfranga (FCA) ne tshibambalu tshia malu a mfranga (FOS, Royaume-Uni): Consumer Credit Sourcebook (CONC 5.2A Creditworthiness and Affordability Assessments for Guarantors), Consumer Credit Act 1974 Arrears Notice Rules, ne FOS Decisions on Loir Guarantors.
• Tshibambalu tshia malu a mfranga tshia mu Canada (FCAC, Canada): Bank Act Joint Account and Co-Borrower Disclosure Regulations, Joint and Several Liability Guidance, and Right of Set-Off Rules.
• Australian Securities and Investments Commission (ASIC) & Australian Banking Association (Australia): National Credit Code Guarantee Provisions, ABA Banking Code of Practice (3-Day Guarantor Waiting Period and Financial Abuse / Coerced Debt Safeguards), ne AFCA Guarante Rules Dispute Rules.

Malu adi apetangana¶

• Bukokeshi bua kupingaja mashinyi ne bua kupingaja mashinyi
• Dipanga dia mfranga ya balongi, dilengeja dia difutu, ne dilengejibua
• Dimanyisha dia kuipata ne dikuba dia muena nzubu
• Dikengesha dia makuta ne dikengesha dia bakulumpe
• Dikengesha dia bafidi ba mabanza