Ngingakwazi ukuvula i-akhawunti e-United States njengomMexico? .Ingabe okusha ku- EU.SA futhi udinga indawo lapho gcina imali yakho ukuze uqale ukonga. Kodwa uqala kuphi? Awufuni ukugcina imali yakho ngaphansi kukamatilasi wakho. Ngokuqinisekile ngeke uthole nzuzo ngemali yakho, futhi nakanjani akuphephile.
Ngemuva kwalokho, Kungani ungayi ebhange? Vula ifayela le- I-akhawunti yasebhange inikeza ukuphepha kwezimali zakho kanye nendlela yokuqala ukudala umkhondo wezezimali ezweni. Kepha akulula njengoba kubonakala. Yize kungabonakala sengathi kuthatha umMelika umzuzu nje ukuvula i-akhawunti, kungathatha abantu bakwamanye amazwe isikhathi eside .
Futhi kunezithiyo eziningi kakhulu okuzodingeka ubhekane nazo uma ufuna ukuqala ukonga imali yakho e-US Lokhu kusho ukuthi uma ungumhlali ongesona isakhamuzi ofuna ukuthola izinsizakalo zebhange e-USA . Okokuqala.
- I- Umthetho wePatriot I-United States yenze kwaba nzima kubantu bakwamanye amazwe ukuvula ama-akhawunti noma ukwenza ukuthengiselana kwemali e-United States.
- Abezizwe badinga ukukhonjwa okuningi kunezakhamizi ezisemthethweni ngokusemthethweni nezakhamizi.
- Noma ngubani ovula i-akhawunti angadinga inombolo Yezokuphepha Komphakathi noma inombolo kamazisi yomkhokhi wentela ngamunye.
- Yize amabhange amaningi evumela amakhasimende ukuthi avule ama-akhawunti abo ku-inthanethi, abangebona abahlali bangadinga ukuvakashela igatsha ukuze baphothule izicelo zabo.
Okudingayo ukuvula i-akhawunti yasebhange
Uma uyisakhamuzi hhayi owaseMelika Uma ufuna ukuvula i-akhawunti yasebhange, izikhungo zezezimali zidinga ukuthi wethule eyodwa noma eziningi zalezi zinhlobo zokuhlonza ezilandelayo:
- Inombolo kamazisi yomkhokhintela (ITIN)
- A inombolo yepasipoti noma inombolo yekhadi lobunikazi
- Umazisi ukhiphe i-ID ekhishwe izwe langaphandle
Ngokwengeziwe, izakhamizi ezingezona ezase-US kanye nezakhamizi zase-US kumele bahambise imininingwane elandelayo ukuvula i-akhawunti yasebhange:
- Igama
- Usuku lokuzalwa
- Ubufakazi bekheli lakho lendawo, njengesivumelwano sokuqashisa noma sokusetshenziswa
Umthetho wase-United States udinga ukuthi izikhungo zezezimali zazi ukuthi angobani amakhasimende abo futhi zilandelele okwenziwayo ngakunye kwazo. Lokho kusho ukuthi amabhange nezinyunyana zezikweletu kufanele ziqinisekise ubunikazi bekhasimende lapho zivula i-akhawunti entsha yediphozi, njenge-akhawunti yokuhlola, i-akhawunti yokonga, noma isitifiketi sediphozi (CD).
Ngokungeziwe ezintweni ezingenhla, izakhamizi zase-US kumele ziveze inombolo yazo Yezokuphepha Komphakathi ukuvula i-akhawunti yasebhange.
Ngingowokufika ongenazo izincwadi, ngikwazi ukuvula i-akhawunti yasebhange?
Ungavula i-akhawunti yasebhange uma ungumfiki ongabhalisiwe kwamanye amabhange, njengeBhange LaseMelika. Kodwa-ke, kuzodingeka ukuthi ufake isicelo mathupha futhi udinga izinhlobo ezahlukahlukene zokuhlonza, ezinjengobufakazi bekheli, inombolo kamazisi yomkhokhi wentela (TIN), isitifiketi sokuzalwa, ipasipoti ephelelwe yisikhathi, nokuningi.
Ibhange ngalinye linezinqubo zalo, ngakho-ke qiniseka ukuthi ucwaninga izidingo ngaphambi kokuya egatsheni langakini.
Kungani izakhamizi ezingewona ama-US zidinga imininingwane eyengeziwe ukuvula i-akhawunti yasebhange?
Akuzona zonke izakhamizi ezingezona zase-US ezinezinombolo Zokuphepha Komphakathi. Lokho kwenza ukuqinisekisa ubunikazi besakhamuzi esingesona sase-US kube yinselele, yingakho amabhange nezinyunyana zezikweletu zidinga inombolo yepasipoti yakwelinye izwe noma omunye umazisi kahulumeni ukuqinisekisa ubunikazi bazo.
Izicelo ze-akhawunti yasebhange eku-inthanethi ngokuvamile azinikezi indawo yokufaka inombolo yepasipoti noma enye inombolo kamazisi. Ngakho-ke, izikhungo zivame ukucela abantu bokufika ukuthi bangene egatsheni ukuze baqinisekise ubuwena mathupha. Yingakho kungaba nzima kakhulu, noma kungenzeki, ukuthi izakhamizi ezingewona ama-US zivule i-akhawunti ngamabhange athile aku-inthanethi. Ezimweni eziningi, amabhange aku-inthanethi awanawo amagatsha aphathekayo.
Ngaphambi kokuvakashela igatsha lebhange noma lenyunyana yezikweletu, qiniseka ukuthi ubheka iwebhusayithi yesikhungo noma ushayele imininingwane kumadokhumenti okuqinisekisa adingeka kubantu bokufika. Isikhungo ngasinye sinezinqubomgomo nezinqubomgomo zaso ukuhlangabezana nezidingo ezibalulwe ngenhla.
Ungayivula kanjani i-akhawunti yasebhange ngaphandle kwenombolo Yezokuphepha Komphakathi
Abahlali abangabahlali abanenombolo Yezokuphepha Komphakathi ngokuvamile bangaqedela inqubo yokufaka isicelo se-akhawunti yasebhange online njenganoma yisiphi esinye isakhamuzi sase-US, ngoba babhekwa njengezakhamizi zase-US ngenhloso yentela.
Isibonelo, e-Bank of America, abahlali bakwamanye amazwe bangavula i-akhawunti egatsheni le- BofA Ukwethula ikhadi lokuhlala unomphela, ikhadi lokuqashwa le-INS, i-visa engeyona eyokufika, ikhadi lokuwela umngcele noma ipasipoti yangaphandle, kanye nohlobo olungeziwe lokuhlonza.
Ngokusho kukaDon Vecchiarello, Jr., iphini likamongameli omkhulu weBofA kanye nemenenja yezokuxhumana yemikhiqizo yabathengi namabhizinisi amancane, izinketho zokuhlonza okwesibili okudingekayo zifaka phakathi ikhadi lesikweletu noma ikhadi lokuthengisa, i-ID yabafundi, ikhadi lomsebenzi noma ilayisensi yebhizinisi.
Kodwa-ke, abangebona abahlali ngeke bakwazi ukwenza lokho. Imvamisa umyalezo wephutha uzotshela umuntu ukuthi avakashele igatsha lasendaweni noma acele usizo. Ngalesi sizathu, kungahle kube ngabokufika abangahlali kuleli ukuthi bahlale emabhange anezindawo ezibonakalayo. Amabhange amakhulu mancane amathuba okuthi abe nezithiyo ezingezona ezakhamizi kunamabhange amancane endawo, kusho uKen Tumin, umsunguli nomhleli weDepositAccounts.com.
Uma ungumfokazi ongahlali khona, kuzofanele ukuthi uvakashele igatsha lasebhange ukuthola i-akhawunti yokuhlola noma yokonga ngosizo lomabhalane wasebhange. Amanye amabhange angacela imibhalo yabokufika esikhundleni sokunye ukukhonjwa, kepha kusengaba yinkohliso.
Inselelo ngukuthi omabhalane basemabhange kungenzeka bangasazi isimo sakho nokuthi imiphi imibhalo edingekayo yokukuvulela i-akhawunti, kuchaza uLibby Dawson, umeluleki wezomnotho kwaWorldview Wealth Advisors. Ungacelwa ukuthi unikeze zonke izinhlobo zemibhalo ibhange elidinga ukuyivulela i-akhawunti yazo zonke izakhamuzi ezingezona ezase-US, noma ngabe ungumuntu wakwelinye izwe.
Bazolandela abakubonayo ngokohlelo lwabo, kepha ekugcineni kosuku, kuvame ukuthi kuze kube yilapho kusetshenzwa amaphepha lapho kwaziwa khona ngokuqinisekile ukuthi ngabe konke kwenziwe ngendlela obekufanele kwenziwe ngayo, Kusho uDawson.
Abahlali babahlali banezinketho online.
IMagnifyMoney ibuyekeze izicelo ze-akhawunti yasebhange yamabhange ayisishiyagalombili aphezulu e-US Sithole ukuthi uma ungumhlali wakwelinye izwe onenombolo yokuphepha kwezenhlalo, ungavula i-akhawunti online ngebhange elikhulu lase-US.
Kodwa-ke, amabhange amancane endawo avumelekile ukuvumela izakhamizi ezingezona zase-US, abafokazi abahlala khona, noma abafokazi abangahlali, ukuthi basebenzise online. Isibonelo, eHills Bank, ibhange lomphakathi e-Iowa City, e-Iowa, sithole ukuthi isicelo sabo esiku-inthanethi sazisa umfakisicelo ukuthi uma bengezona izakhamizi zase-US noma abantu base-US, abakwazi ukuqhubeka nenqubo besebenzisa leyo ndlela.
Uma ungumhlali wakwelinye izwe futhi unethemba lokuvula i-akhawunti yasebhange online, inketho yakho engcono kungaba yibhange elikhulu laseMelika elisebenza ezweni lonke. Kuhlelo lokusebenza olujwayelekile online, uzodinga ukufaka imininingwane yakho, kufaka phakathi igama, ikheli, inombolo yocingo, kanye nenombolo yakho yokuphepha komphakathi.
Izisekelo
Ngenkathi uvunyelwe ukuvula i-akhawunti, imithetho ihlukile kwabangezona izakhamizi. I- Umthetho Wamalungelo Abantu ngo-1964 Inikeze izinkampani ezizimele e-US ilungelo lokuthola izinkontileka nabantu noma amaqembu angaphandle, okwenza kube lula kubahlali abasha base-US.
Kepha i Umthetho wePatriot we I-US, eyadlula ngemuva kokuhlaselwa kwamaphekula ngoSepthemba 11, 2001, yenze kwaba nzima ngabangaphandle ukuthi bavule ama-akhawunti noma benze ukuthengiselana ngemali e-US, noma benze ibhizinisi nezikhungo zezezimali zase-US phesheya.
Ngokomthetho, amabhange nezinyunyana zezikweletu kufanele zilandele imihlahlandlela eqinile lapho kuqinisekiswa ukuthi ngubani ofaka isicelo se-akhawunti engeyona eyase-US. Kodwa-ke, uma ungumhlali unomphela ngokusemthethweni, kuzothatha isikhathi esilinganayo ukuvula i-akhawunti yakho njengesakhamuzi.
Uzodinga umazisi
Okwamanye amazwe noma cha, abafakizicelo be-akhawunti yasebhange kumele okungenani baqinisekise igama labo, usuku lokuzalwa nekheli lendawo, ngokwesibonelo, kusuka kumthethosivivinywa wokusetshenziswa kwemali. Kepha uma ungumfokazi, kungadingeka ukuthi unikele ngokuningi. Lawa makhasimende kumele akhombise ne-ID yezithombe efaka ubunikazi bezinombolo.
Ungasebenzisa ipasipoti evumelekile, okunye ukukhonjwa okukhishwe nguhulumeni wezwe lakini, noma inombolo kamazisi ongaziwa evela ekhadini eliluhlaza, i-visa yomsebenzi, noma i-ID yomfundi. Kodwa-ke, uzodinga ukuletha okwangempela ngoba amakhophi amakhophi awamukelwa.
Izinombolo zokuphepha komphakathi
Ngokuvamile, inombolo Yezokuphepha Komphakathi (i-SSN) ayidingeki ukuvula i-akhawunti yokonga kuleli zwe. Kodwa-ke, ukungabi nayo kungakhuphula ukubhekisisa kwebhange kweminye imibhalo yakho. Ngeke nakanjani ikuvimbe ekutholeni i-akhawunti, kepha kuzokusiza. Uma ungakwazi ukuthola eyodwa, unezinye izinketho.
Abahlali abathile nabahlali abangakwazi ukuthola izinombolo Zokuphepha Komphakathi bangafaka ifayili le- ifomu W-7 ngaphambi kwe-IRS ukuthola inombolo kamazisi yomkhokhintela ngamunye ( I-ITIN ), nayo engemukelwa yibhange.
Ungasebenzisa inombolo Yezokuphepha Komphakathi noma inombolo kamazisi ethile yomkhokhi wentela ukuvula i-akhawunti yakho.
Yini edingekayo
Imithetho elawula ama-akhawunti asebhange abokufika ngeye-federal, kepha isicelo sayo sendawo. Amabhange nezinyunyana zezikweletu banemibhalo ehlukene kanye nezidingo zenqubo yama-akhawunti wokuvula angewona amaMelika. Sicela uhlole kusengaphambili ukuthi yini edingekayo ngaphambi kokuqala inqubo, ikakhulukazi ngoba cishe uzovela mathupha endaweni ebonakalayo.
Amabhange aku-inthanethi
Iningi labafokazi abangabhalisi kumele bangene egatsheni lebhange ukuvula i-akhawunti. Lokho kusho ukuthi noma ungaqala ukuvula i-akhawunti yakho online, kuzofanele ubonakale mathupha ukuze uqedele isicelo sakho.
Ukwanda kwezokuphepha ngemuva kuka-2001 kwaholela ekususweni cishe ngokuphelele kwezicelo ezenziwa nge-inthanethi zama-akhawunti angaphandle, ngenxa yokwesaba imali okuhlobene nobuphekula. Lokho cishe kukuvimbela ukuthi ufake isicelo kwelinye lamabhange amaningi aku-inthanethi ngoba kuzoba nzima kakhulu kubo ukuqinisekisa imibhalo yakho.
Imali encane
Lokhu futhi kuyahlukahluka ngesikhungo, kepha kuvamise ukuba nesizotha. Ezinye zisukela ku- $ 5 ziye ku- $ 50, kanti ezinye zinezidingo eziphakeme.
Konke kuncike lapho ubeka khona imali nokuthi yiziphi izinzuzo abazinikezayo, okungaba, phakathi kwabanye, ukubuyisa okuphezulu noma ukungakhokhiswa insizakalo. Uma uvula i-akhawunti ngokufaka imali enkulu, futhi, incazelo enkulu ingahluka ngokuya ngebhange, noma ngemali evela ekudlulisweni kwebhange, kungadingeka ukuthi ukhombise ubufakazi bezimali .
Okubalulekile
Ukuvula i-akhawunti yasebhange njengesakhamuzi sakwelinye izwe kuhilela ukuzikhandla okukhulu, futhi mhlawumbe nengcindezi ethe xaxa, kunesakhamuzi sase-US, ikakhulukazi kulabo abangenaso isimo sakwamanye amazwe. Uma usahlala ezweni lakini, cabanga ukufuna ibhange lamazwe amaningi elizinze e-US.
Yiba namagatsha lapho uhlala khona uvule i-akhawunti nawo ngaphambi kokushiya. Ukunyakaza okunjalo egatsheni langaphandle kunikeza abafakizicelo bamazwe omhlaba ithuba lokusungula ubudlelwano bebhizinisi nesikhungo okufanele senze lula isicelo se-akhawunti yase-US kwelinye lamagatsha alo kuleli.
Okuqukethwe
- Okudingayo ukuvula i-akhawunti yasebhange
- Ngingowokufika ongenazo izincwadi, ngikwazi ukuvula i-akhawunti yasebhange?
- Kungani izakhamizi ezingewona ama-US zidinga imininingwane eyengeziwe ukuvula i-akhawunti yasebhange?
- Ungayivula kanjani i-akhawunti yasebhange ngaphandle kwenombolo Yezokuphepha Komphakathi
- Abahlali babahlali banezinketho online.
- Izisekelo
- Uzodinga umazisi
- Izinombolo zokuphepha komphakathi
- Yini edingekayo
- Amabhange aku-inthanethi
- Imali encane
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