BANKING IN ISRAEL

BANKING IN ISRAEL

Israel a hin tupet’a leiset chung’a banking system kimangchahna dan hi amang un ahi. Checking account, credit card, ATM machine, bank by phone, internet, auto-deposit chuleh auto-withdrawal, hiche hohi Israel bank in bolthei hochu ahi.

Hinlah, Israel banking system leh Indian banking system hi akibahna umjongleh akibahlouna jong tampi aume.

Israel banking system hi akhoudehset in ahi. Daan itobang in khoujeng jongleh, bank manager pan hiche daan ho ama khutnoiyah aumin, dan ho chunglamah aumin ahi. Bank manager pa toh kihethiem hin, bank lama boina ho nomtah in asulham theiye.

Checking Account (India/UK spelling = Cheque)
  1. India lang bang’a checque nasut’a mi napieh thei ahi.
  2. Post-dated checks : kum khat sung’a ding’a check sutsa nakoi thei ahi (Tekah nan inn bhara naluo teng inneipa chu kumkhat’a dia cheque nasutpeh ‘a napiehthei, aman alhaseh leh na bank akuona ama bank’a akihetlut thei ahi.) Israel gama hin post-dated check hi akihamanchah lheh jeng’e (Hiche hi india gamsung’ah aumin, hinlah tahsan ahahsai).
  3. Post-dated check depost : Post-dated check hi napeh teng, napehpa chun bank’a che’a deposit agakiboldoh thei ahi. Hinlah kumkhat sung’a post-dated check apeh chu khatvei lah’a abona alahding tina ahipuon, lhaseh leh nang bank a kuona kiladoh ding ahibouve.
  4. Minus Account Balance : Hiche hi India lang’a Credit card neiya, ATM’a sum kilahdoh tobang ahi. Israel’a hin bank balance chu Zero hijongleh, sum nakilahdoh thei nahlai ahi, hiche hi minus account balance akiti. Minus a sum nalahdohtheina lampi hi, bank te koma nache’a naga kiseimasat ding ahi. Minus a sum ijat nalahdohthei nom em ti naseiding ahi, hinlah bank ten vang lhaseh’a sum ijat nasem em ti dunjuiya sumjat nahiphal peh diu ahi. Minus Balance hi interest atame (20%). Israeli atamjon hitobang a kimanchah hi ahabol un, bnei menashe ten jong ahabol uve.
  5. Bounce-check: Mikhat chu kumkhat’a ding’a check nasut peh’a, nangman na account’a sun naneitah louva ahileh, check nasut peh chu hungkinung leding ahi (bank ten checque chu nahinnung thoh diu ahi). Hiche Bounce-checque hi lhakhat sung’a 10 vei ahung kinungle a ahileh, Israel gamsung bank jousea bank account kumkhat sung’a Suspend namu ding ahi. Hitobang a hi kumkhat sung’a 3 vei nabol’a ahileh, Israel bank jouse a kum 5 (nga) sung account naneithei lou ding ahi. Chuteng leh na Credit-History jong hoitalou ding, nahikho’a Loan kiti hochu hung hahsa maithei ahitai. Hiche tobang’a akuon kivendoh Israelis hon Minus Bank Account akihonsuoh kei u ahi. Ajeh chu Bank a sum naneilou va, mikhat cheque napeh leh hung kinungle ding tina ahi.
  6. Stop-checque : Mikhat chu checque najih’a napieh dohtah’a ahileh, amapan sum akilahdoh/a bank account’a ahetlut masang’a nakhatan thei ahi. Hinlah hichechu mipa chun bank a agakilahdoh nikho teng check chu Bounce-checque a hunkinung leding ahitan, nang’a ding’a boina hibep ding ahi. Checque napieh pa chu naseipeh masat angaiyin, chuleh na bank account’a chu sum nanei angaiye, khutileh bank ten, henasasa a bol ahipon, abolkhiel jeh ahitia asanthei diu ahi.
  7. Automatic Withdrawals/Payment: Na bank tekoma, na bank account’akuona seithu ngailouva minapeh ding hon sum akilahdohtheina diuva nabolthei ahi. Tekah nan, school chapang ho tuition fee ahilouleh phone bill, kiti hohi, company ten lhaseh leh na bank akuona akilahdoh theina diuva, nangman na bank te naseipeh thei ahi. Hiche tobang sum kipehtona a hin thilboi 2 aume : khatna chu ahileh, receipt namu masang’a sum kiladohji ahitai, sum akilahdoh joule a bill namu pan ahi. A Bill namukah’a sum ijat alahdoh uham ti nangman nahepoi. Anina ah, company ten abangkah leh hetkhiel jeh in sum tamtah analadoh jiuve, hiteng chuleh na bank account zero hung hithei, chuleh cheque hojong Bounce chethei ahi. Hitobang thil natuo teng ni 3 sungin bank ho kihoupi le chun, hekhiel jeh’a sum kiladoh sese chu na bank account’ah koilut kit theitauvin te.
  8. Fee : Monthly Maintenance fee, checkbook charge, per-check-charge, interest charge, banking service charge, ATM card charge, etc. Hiche fee hohi peldohtheilouva bank ten akikah u sum chu ahi. Alhangpia a bank ten akah u chu ahileh Account charge 15-80 shekel (per month) chuleh credit card nanei leh Credit card charge 200-300 shekel (per year), ATM card 80 shekel per year ahi. Asumjat hohi, bank abangkhat in tamtah tah alajiuve.
  9. Bank account kihondan nahet nom leh http://www.menashe-aliyah.co.cc/2012/05/israel-bank-account-kihondan.html
  10. Credit Card : Israel a hin, VISA leh MASTERCARD/Yisracard hi achepen e. Hiche teni hi “Regular” le “Gold” tin akihomkhen kit in, “Regular” hi Israel gamsung’abou akimancha theiyin, “Gold” apen hi vannoi pumpi hoilai gam hijong leh thilchohna in akimang thei ye. Bank jouse hin aman u ahibang poi, abangkhat in VISA toh kikhutjopna anei un, abangkhat in MASTERCARD tetoh kikhutjopna anei uve. VISA ham ahilouleh MASTERCARD ham tihi na bank in apoh ahi.
  11. Israel a pemthah nahitan, Credit history (sum le pai kimanchahna history) naneinaipon, natohna lang’a seithei jong natongdoh hihlaiye. Sum tampi jong bank account’ah naneipoi (sum tampi naneiya ahileh hinkipoh hih in, India bank’ah kikoiphot in). Iti credit card nanei thei ding ham? Bank kititapou chun, na natoh’a, lhathum nanatohna lekha amu uva ahilouleh na bank account’a alhompen’a 5000 – 10,000 shekel beh naneiya ahileh, credit card nakisiemthei ding ahi. Iti ham khat’a bank in nanoppeh louva ahileh Bank Manager pa kimupi in.
  12. Rules of credit card :
    1. Na natoh’a sum nasana, Credit card nakisiemdoh teng, na bank account akuona, lha masa, lha nina, leh lha thumna’a sum nasan’a kuona themkhat-khat kiladoh’a na Credit card balance sung’a lut ding ahi, Hiche hi peldohthei ahipoi.
    2. Credit card statement hi lhaseh leh nikho 10th leh 12th kikah’a namujing ding ahi.
    3. Hijeh’a hi, na bank account’ apat sum pot jat leh na credit card account’a sum lut jat chuleh naman dohjat abona hoitah’a navetchil ngai ahi.
    4. Credit card abangkhat chu, lhaseh leh date 1 nileh, sum ahetdim jing’u ahi, hiche’a hi ijat ahetlut uham ti akihetheipoi. Credit card statement ahunglhun teng hoitah in khuolchil in.
    5. Dukan khat’a thil nachohna’a credit card namana, athilmanjat chu shekel 500 val ahileh, dukan neihon khatvei peh’a napeh nom em, ahilouleh themcha cha napieh nom em tin hindong uvinte. Hiche hi interest bei ahi, shekel 500 man thil nachoh chu, lha nga sung’a shekel 100 (per month) a akilah thei u ahi. Athem-them a akilah diu tina ahi. Hitobang hi Israelis hon ahabol uve. Eimi tenjong kibol ahi, akijen’e. Hiche jeh’a hi Israel gama na itoh phot leh idei dei neithei ahi.
    6. Credit card nanei chu ATM a jong sum lahdohna a manthei ahi.
    7. Namansah leh bank te nahetsah masat ding ahi. Hiche kah’a mikhat in amu’a thilchoh nopna’a ananeileh, nangman asumsese nasah ngai ahi.
    8. Naji toh Joint Bank account naneiya ahileh, credit card jong ni hilou ding, khat bou hiding ahi. Iti hamkhatna 2 nadeiya ahileh, a bill jong achomcheh’a namu ding ahi.
    9. Credit card hi na Bank account toh kijop ahi. Iti hamkhat’a na Bank account’a boina naneiya, ahileh, na Credit card account jong ki cancel ding ahimaiye.
  13. Bank Loan :
    1. Israel gamsung’a hin Credit-History (sum le pai kimanchahna history) kiti hi aumpoi. Bank a Loan nalah kigot’a ahileh, bank ten nangma sum le pai kimanchahna thusim ahetlou u ahi. Ama ho kingaina pen chu ah ileh, Guarantor ahilouleh Loan nanalah khah em tiho bou hi amaho hetthei pen chu ahi.
    2. Loan nalah kigot teng, ipi nanei em, Car, Inn, Bank a sum tamtah nanei em, hiche hohi Security a ahinvet diu ahi.
    3. Anina’ah, Guarantor, Loan nalah teng hettohsah/sakhi’a pang ding mi nakihol ngai ahi. Nangman Loan napieh joulouva ahileh, amaho chun asahdiu tina ahi. Sakhi’a pang ding ho jong chu, natoh hoitah’a tong mi hiding, hitobang mi 1 apat 4 chan hi, ipi loan alah ham (car loan, house loan) ti dunjuiya ngaicha ding ahi.
    4. Hitobang ahijeh in pemthah hoding in Loan lah ahahsan ahi. Car neilou, inn neilou lai, car leh inn chohna ding’a car leh inn ngai ahilou leh sum nei ngai, na tong la umlou. Hijeh ‘a hi ahungthah hohi akipunkhom uva, khat le khat guarantor a apandiu hi dei um ahi. Abangkah leh anatohna pau, company neite chu guarantor in apangjiuvin ahi.
  14. Loan Limit : Israel bank jousen, 100% loan apengai pouve. Car loan nalah dingjong leh 60% bou apejiuve. Tichu, car manjat chu 1000 shekel ahileh, bank ten 600 shekel bou apeh diu, adang chu loan delpa in akipohdoh ding tina ahi.