KwiNkampani yeNkcazelo ye-Offshore

Iimpendulo Zinyani ngabaqeqeshi abanolwazi

Buza imibuzo malunga nebhanki ye-offshore, ukwakheka kwenkampani, ukukhusela i-asethi kunye nezihloko ezihlobene.

Biza ngoku I-24 Hrs / Umhla
Ukuba ngaba ngabacebisi baxakeke, nceda ucelwa kwakhona.
1-800-959-8819

Isikhokelo seBhanki ye-Offshore | Uyivula njani iAkhawunti eNgcono

KwiBhanki ye-Offshore kubandakanya ukuvula iakhawunti yebhanki ngaphandle kwelizwe ahlala kulo umntu. Abantu bavula ezi akhawunti ngezizathu ezahlukeneyo. Oku kubandakanya ukukhusela iiasethi zabo kumatyala asemthethweni, ababolekisi kunye nezigwebo, kunye nokonga irhafu kunye nokwandiswa kweshishini. Sihlala sihlaziya eli nqaku. Injongo yethu kukukunika esona sikhokelo sokuxoxa ngendlela, ukuba uye phi kwaye kutheni vula iakhawunti yebhanki engaselunxwemeni. Sixoxa ngemithetho, iinkcazo kunye neentsingiselo. Siza kuqwalasela esisiseko kulwazi oluphambili kwifayile ye- incwadi yasimahla ekwi-intanethi uzobona ngezantsi.

ebhankini

Iinkonzo zebhanki kwilizwe laseNtshona zikwimeko embi. Yinyani.

Nantsi into ZeMali zeMali uthi, ngalo mbhalo ngowama-2021, ngeebhanki ezingama-30 ezikhuselekileyo emhlabeni:

    • nanye Iibhanki ezingama-30 ezikhuselekileyo emhlabeni nanye zifumaneka eUnited States. Unothi.
    • Ngaphandle kweebhanki ezingama-50 ezikhuselekileyo, kuphela Ntlanu zazo zibekwe eMelika.
    • Ngaphaya koko, ezine zeebhanki zase-US ezintlanu kuluhlu ziibhanki ezincinci zokulima zengingqi.
    • Ekuphela kwebhanki yesizwe yase-US kuluhlu ikwindawo ye-50th (indawo yokugqibela) kuma-50.
    • Zintandathu iiAAA zikaliwe Iibhanki ezingaselunxwemeni.
    • Kwiibhanki ezilinganisiweyo zeAAA, nanye zibekwe e-US.


I-Offshore Banking: Isikhokelo esiBanzi.

I-USA: Inzulu kumatyala

Ycinge. I-USA lelona lizwe linamatyala amaninzi kwihlabathi. Alikho elinye ilizwe elisondelayo. Kula mazwe mane anomthwalo omkhulu wesizwe, i-US inamatyala aphindwe kabini kwinani lesibini lase-UK kwaye malunga namaxesha amathathu anesiqingatha ngaphezulu kwenani lesithathu nelesine eFrance naseJamani.

Ityala lesizwe lase-US
Umthombo: ngoncedo lweMbonakalo Ubungxowankulu

Ke, le ntetho ingentla yokuvula ayisiyonto ifumana ingqalelo. Yinyaniso emsulwa esekwe kubungqina obuqinisekileyo. Ngaphaya koko, i-US yathotywa umgangatho wayo ngetyala yi-Standard & Poor's, eyona arhente ihlonitshwayo ye-arhente yokulinganisa ityala kurhulumente kwihlabathi. Abantu base-US abanayo imithetho kwilizwe labo lokuthintela ukubhenka kude nonxweme. Ke, ukuqala okanye ngolwazi oluthe kratya zive ukhululekile ukusebenzisa ifom yokubonisana okanye ubize iinombolo ezikweli phepha. Okwangoku, Nceda ubone isikhokelo esingezantsi.

umgca
Isikhokelo seBhanki ye-Offshore
umgca

Ntsha iiakhawunti kude nonxweme? Ngaba kufuneka uhlambe ukuqonda kwakho? Ngaba ufuna ukuvula iakhawunti phesheya? Isikhokelo esingezantsi sisifundo. Inika ulwazi olubanzi kubo bobabini ukuqalisa kunye nokomeleza ulwazi lwakho.

Isikhokelo seBhanki ye-Offshore kunye neNcwadi yasimahla

Isahluko 1

umgca

Iinkcukacha ezithe xaxe

Iingxaki zebhanki zaseMelika

Makhe sigxile ngokusondeleyo kwinkqubo yebhanki yaseMelika.

Ukusilela kweBhanki yaseMelika
Ukusilela kweBhanki yase-US, 2000 ukuya ku-2020 kunye noqikelelo lwe-2021
  1. Abanye babasebenzi bebhanki bangaphambili e-US abafikeleli kwimigangatho yokhuseleko lwebhanki. I-Bank of America Corporation, umzekelo, kutshanje yaziswa ukuba ayiphumelelanga kuvavanyo loxinzelelo. Uvavanyo luye lwagqitywa kwelokuba i-bhanki ibifikelela kwi-33.9 yezigidigidi zeedola kufutshane nemali yoovimba abayidingayo ukugcina iminyaka emibini yobunzima bezoqoqosho.  
  2. Nokuba iarhente ekufuneka ikhusele kwiibhanki zase-US, i-FDIC uqobo, imfutshane kakhulu. Abanayo isixa semali umthetho ofuna ukuba ubenaso ukuze baqiniseke ngenkqubo yebhanki yase-US.  
  3. Ngapha koko, iUS Federal Reserve ikhwela umkhenkce omncinci. Umyinge wenkunzi oyiphetheyo uli-1.24%. Ycinge. Abazalwana bakaLehman babekho kwiipesenti ezi-3 xa befaka iifomathi.
  4. Kuvavanyo lwamva nje, bekukho i-50.7 yezigidi zezigidi zeedola zamatyala ezazityalwa amakhaya ase-US, amashishini noorhulumente. Oku kubonisa ukuba ama-3.5 ayamangalisa amaxesha ewonke imveliso yangaphakathi yasekhaya e-United States iphela.

KwiAkhawunti yeBhanki ye-Offshore

Inkqubo yeBhanki kwiNgxaki

Ke ngoko kuyacaca ukuba i-US inenkqubo engacaciswanga yokubhankisha exhaswa ngumbutho weinshurensi oxhaswe ngemali oxhaswe ngurhulumente kurhulumente onetyala, exhaswa ngabahlawuli berhafu. Ke, akufuneki sibuze, "Ngaba ukubhenka kude nonxweme kukhuselekile?" Endaweni yoko, kufuneka sibuze, "Ngaba iibhanki zase-US zikhuselekile?"

Siyabona ngokucacileyo, kwakhona, ukuba ayisiyiyo nje le ihaba. Kuyinyani eqinisekileyo esekwe kwinyani emva kwenyani. Ewe kuyothusa into yokuqonda ehleli njengelitye emhadini wesisu.

Ukhohlisiwe

Ngaba Sikhohlisiwe?

Sababona abazali bethu besiya ebhankini, befaka imali abayisebenzele nzima ezibhankini, sikholelwa ukuba iibhanki zikhuselekile. Ewe kukhuselekile, sinokucinga. Yibhanki, emva kwayo yonke loo nto.

Nangona kunjalo, ukujonga amanani kwiwebhusayithi ye-FDIC, ukusuka ngo-2000 ukuya ekuqaleni kuka-2021, iibhanki ezingama-562 zase-US zasilela. Ewe, 562. Gcina ukhumbula ukuba i-FDIC ayiqinisekisi abagcini mali kuyo yonke imali eseleyo kwiakhawunti. Zigubungela kuphela i-250,000 yeedola zokuqala. Nantoni na engentla kweso sixa ingaya "poof" kumoya ocekeceke xa ibhanki yakho isilele.

Uyazikhumbula iziganeko eziyintlekele eziye zaphela kwintlekele yeWashington Mutual Bank? Le yayiyi ukusilela okukhulu kwebhanki kwimbali yase-US. Ngenye imini abagcini mali bacinga ukuba yonke into ilungile. Ngentsasa elandelayo, bavuka bafumanisa ukuba ibhanki yabo ayisekho.

Yiyo le ndlela namhlanje. Isenokuphikisana neenkolelo ezifakwe kuthi sisebancinci. Kodwa sonke kufuneka sivuselele inyani entsha.

Iinyani ngeBhanki ye-Offshore

Iinyani eziqaqambileyo zikhokelela kwiBhanki ye-Offshore

Xa sijamelene nezi zibakala zikhanyayo kusinciphisa kwisisombululo esitsha. Xa zonke ezinkulu maziko e zemali bahlelelekile, xa ubungqina obuyinyani bukhanyisa le nyaniso. Ngaba awucingi ukuba kuyavakala ukuba ubambe ubuncinci ipesenti yeemali zakho zaphesheya kwezona ndawo zikhuselekileyo?

Ndingacinga njalo. Ndiyakubongoza ukuba uthathe amanyathelo ukuseta iakhawunti yamazwe aphesheya ngokukhawuleza. Sebenzisa i inombolo yomnxeba or gcwalisa ifom kweli phepha. Sincede amawaka ngeemfuno zabo zebhanki ezingaselunxwemeni. Ngapha koko, besinceda abantu ukukhusela iiasethi zabo ukusukela nge1906.

Iiflegi

Ulukhetha njani uLawulo

Kuya kuba bubulumko ukuqwalasela ulawulo lukwimeko entle yezemali, noorhulumente abanoxolo kunye nemizi-mveliso yeenkonzo zezezimali zexesha elide. Okwenziwa ngabantu kunye nezindlu zowiso-mthetho kubaluleke ngakumbi kunale bayithethayo. Ke, ukuba banodumo lokuzinza kwezezimali, oko kuhamba ixesha elide ekukhetheni indawo yakho yezemali.

Yintoni Ngokwenene Le?

Gcina ukhumbula ukuba ukukhusela imali yakho kude nonxweme ayisiyonto yokubaleka uxanduva kwirhafu njengeeCayman Islands okanye iHong Kong. Imalunga nokwahluka kweeasethi. Inkqubo ye- Urhulumente wase-US, umzekelo, akakhathali ukuba unayo imali elunxwemeni ukuba nje uxela umvuzo wakho. Ukubeka imali kude nonxweme, ubukhulu becala, ngumsitho wokungathathi cala kwirhafu. Ke, ayonyusi ngokubanzi okanye inciphise irhafu. Izigidi zabemi zineeakhawunti ezingaselunxwemeni kwaye ayiphosi iflegi ebomvu kumagunya erhafu ukuba unayo. 

Ngokufika Ukubhankisha kwi-Intanethi, ubuchule be-wiring kwi-Intanethi, ukubhenka ngefowuni kunye namakhadi etyala, ukubhenka kude nonxweme ayisiyiyo loo nto yahluke kakhulu kunasebhankini ezantsi kwesitalato. Kwaye, kuqhelekile ukufumana iibhanki ezibonelela ngenzala ephezulu, ihlala iphakame kakhulu kunaleyo ihlawulwa ziibhanki zalapha ekhaya.

Ycinge. Imivuzo e-US iphezulu kakhulu xa kuthelekiswa nezinye izizwe. Ramaxabiso eal estate aphezulu. Irhafu iphezulu. I-inshurensi yezonyango yomqeshwa iphahla. Ezo ndleko zithatha isixa esikhulu seenzuzo zebhanki e-US, UK, Canadad namanye amazwe anexabiso eliphezulu. Ukuba Iindleko zebhanki ye-offshore zingaphantsi, iyakubaninzi kakhulu eseleyo ekufuneka uyihlawule kuwe, umgcinisi.  

Iibhanki zaseMelika

Kutheni iibhanki zase-US zifihla iinyani

Ibhanki yakho yalapha ngokucacileyo ayizukuthatha intengiso yeTV ekuxelela ukuba ungafumana okuninzi inzala ibhetele kunxweme. Iibhanki zamanye amazwe, ngaphandle kwamaphepha-mvume okugcina imali ekhaya, azinakubhengeza ngokusemthethweni apha ekhaya. Ke ubunokuyazi njani enye into? Abayi kukuxelela lonto Iibhanki ezingaselunxwemeni zomelele Kunebhanki ezantsi kwesitrato.

iibhanki ezinamandla kunxweme

IiBhanki ezomeleleyo ezingaselunxwemeni

ISwitzerland, iJamani, iOstreliya, iSingapore, iHong Kong kunye namanye amazwe amaninzi aneebhanki ezomeleleyo, ezikhuselekileyo. Okwakho kunesikolo sangaphakathi, esekwe kumashumi eminyaka yamava, apho amaziko asebhankini kude nonxweme izakuvula iiakhawunti zabantu bamanye amazwe, ibonelele ngotyalo-mali lokukhula, yomelele ngokwasezimalini, ibe neenkonzo ezifanelekileyo, kwaye kuyonwabisa ukusebenza.  

Yimali Yakho-Funa Uncedo

Kubaluleke kakhulu ukukhokelwa ngumntu onamava ekumiseni iiakhawunti kude nonxweme. Nayiphi na ibhanki inokuzenza ibonakale intle. Kodwa kuphela umntu onamava - kwaye simisele amawaka e iiakhawunti kude nonxweme -Ungakuxelela ukuba zeziphi ezinyani zibaphatha ngokufanelekileyo abagcini bazo. Emva kwayo yonke loo nto, sithetha ngemali yakho apha. Ngokuqinisekileyo, inokubiza imali encinci. Mhlawumbi ungaphantsi kakhulu kunokuba ucinga. Kodwa kungcono kunenye indlela etshabalalisayo yokukhetha ibhanki engalunganga. 

tips

Iingcebiso ngeAkhawunti yeBhanki ye-Offshore

Ababoneleli ngeakhawunti yebhanki yase-Offshore abanakubhengeza ngokusemthethweni i-onshore. Ngaphaya koko, iibhanki zasekhaya ngabanikeli abakhulu bezopolitiko. Ke ngoko, kukho indibaniselwano yokunqongophala kolwazi kunye nolwazi olungelulo oluchanekileyo olusasazwe malunga elwandle akhawunti. Ngenxa yoko, abanye abantu banoluvo olungeyonyani lokuba alukho mthethweni- ngokuqinisekileyo akunjalo. Abanye bacinga ukuba yindlela yokubaleka ukuhlawula irhafu-ayisiyiyo. Abanye bacinga ukuba izaphuli-mthetho ziyisebenzisa kakhulu-oku kunqabile kakhulu kuba ibhanki ingalahla iphepha-mvume layo lokwamkela ingeniso engcolileyo.  

Inyani yile, ukuba uvela e-US okanye kwi UKUmzekelo, ukuba nje uxela umvuzo wakho kwihlabathi liphela, urhulumente angakhathala kancinci. Cinga ukuba kukho iibhiliyoni zeedola ezibhabhela ngapha nangapha kwimida yethu minyaka le. Ke, iakhawunti yakho ayinakuyenza ripple kwi-federal radar.

sigqibo

Zithini izinto endinokuzikhetha?

Kukho izinto ezintle onokukhetha kuzo umntu ofuna iakhawunti yebhanki ye-offshore. Nazi elwandle iibhanki egxile kwi yokukhusela impahla ematyaleni. Ezinye iibhanki zilungiselela abo bafuna umthamo weakhawunti yokuthengiselana ephezulu. Abanye bagxile kwi Lawulo lwemali kubatyali mali. Kukho neebhanki ezingaselunxwemeni ngexabiso eliphantsi urhwebo lwesitokhwe kwi-Intanethi Abarhwebi abazenzela ngokwakho. Ezinye zifuna iidipozithi ezincinci, ezinje nge- $ 2000 US. Abanye bajongana nexabiso eliphezulu labantu kwaye bafuna iidipozithi ezibalulekileyo, xa kuvulwa iakhawunti yebhanki, ye- $ 250,000 US okanye nangaphezulu.

Abanye bahlawula inzala ephezulu kuneebhanki zasekhaya, ngenxa yamaxabiso aphantsi. Abanye bahlawula iirhafu ezilingana neemarike zasekhaya. Olunye ulawulo lwaselunxwemeni, olunje ngeziQithi zeCook, aluziboni izigwebo zangaphandle. Ke, xa zidityanisiwe netrasti ye-offshore, babonelela abo bafuna ukukhuselwa kweeasethi.

Xa useta iiakhawunti zebhanki zangaphandle, ukukhuthala okufanelekileyo kunye nokwazi-abathengi imimiselo yakho yendalo iphela. Ezo nkqubo zebhanki zivumela iiakhawunti zebhanki yamanye amazwe zixubusha malunga nokwamkela abantu bamanye amazwe abafuna ukukhutshwa kwirhafu kumazwe abo. Baza kuphonononga isicelo sakho ukuqinisekisa ukuba umthombo wakho wemali usemthethweni. Ke, ukuba ufuna ukuvula iakhawunti yebhanki engaselunxwemeni, zilungiselele. Baza kufuna ukuba ubonelele ngokuzeleyo ngesazisi sakho kwaye ivelaphi idiphozithi yakho.

IiAkhawunti ezikwi-Intanethi

Ukubhankwa kude nonxweme nge-Intanethi

Zonke iibhanki zifuna ukuba ubonelele ngokuchanekileyo. Ezinye iibhanki ziya kukuvumela ukuba ubonelele ngamaxwebhu ngeposi. Abanye bafuna ukuba ubonakale buqu. Ngenxa yobudlelwane bethu neebhanki ezininzi kwihlabathi liphela, siyi "Umngenisi ofanelekileyo”Ukuze sikwazi vula iiakhawunti kubaxhasi ukude apho abantu bengenakuzenzela bona. Ngaphaya koko, uninzi lweebhanki ezingaselunxwemeni azizukuvula iiakhawunti zabantu baseMelika okanye baseCanada. Siyazazi eziya kuvulwa iiakhawunti zabaphambukeli, kwaye ngaphandle kwesidingo sokuhamba. Sebenzisa le fomu ikweli phepha okanye inombolo ingasentla ukufumana ezinye iimpendulo kwimibuzo malunga neebhanki kude nonxweme.

Ukuhlaziywa kokugqibela ngoJanuwari 27, 2021