He aha te nama tūturu, ā, me pēhea tana mahi?

Ina rapu ana tetahi i tētahi pūtea nama Veraz, ko te tikanga ka hiahia rātou ki te mōhio mēnā ka taea e rātou te uru atu ki te pūtea me te kore e puta tō rātou ingoa ki te pātengi raraunga Veraz, te pūrongo nama e tino tirohia ana e ngā peeke, ngā kaipupuri pūtea me ngā pire mariko i Argentina. He pono ki te whakarato moni: ka kohia ngā raraunga mō ngā raraunga, ngā utu me ngā kōrerorero, ā, ka whakamahia e ngā hinonga ēnei mōhiohio hei wāhanga o tā rātou tātaritanga.

Kāore te tatau i Veraz e kati i ngā tatau katoa. Tērā ētahi hinonga e arotake ana i ētahi atu āhuatanga i tua atu i te hītori, pērā i te moni whiwhi o nāianei, te pakeketanga o te mahi, te whakamahinga o ō ake hua, te nui rānei o tāu e tono ana. Nō reira, ko ā mātou nama ki a Veraz kei roto hei kāwai: he raina nama e tātari ana i ia take, kaua ki te whakakore aunoa i tētahi whakaroa o mua.

He mea nui kia mārama ko ia hinonga e whakatakoto ana i āna ake ture. Ka taea e ngā tāngata tokorua me te pūrongo kotahi te whiwhi urupare rerekē, ā, ka taea e te tangata kotahi te whiwhi tikanga rerekē i runga i ngā papaaho e rua. Nō reira, he mea tika kia whakamōhio koe i a koe anō i mua i te whakaoti i tētahi puka.

Ka taea e au te tono nama i ahau e noho ana i Veraz?

Āe, ka taea te tuku tono. Ko te mea kāore i te wātea ko te whakaaetanga kua whakamanahia. Ko te whakautu kei te aromatawai i te hinonga, ā, ka paunatia e tēnei aromatawai te āhuatanga o te deuda (ahakoa kei te whai mana, kua whakakorehia, kei te whiriwhiria rānei), te wā kua pahure, te moni e toe ana me te moni whiwhi ka taea te whakaatu i tēnei rā.

I whakakorehia tētahi deuda i mua noa atu, he iti iho i tētahi deuda kāore i whakamahia i mua. Ka pā anō hoki ki te mea kei te hinonga kotahi e tono ana i te nama te whakaroa. Hei tauira, ko ētahi papaaho matihiko ka whakarato i ngā moni iti i te tīmatanga, ā, ka whakanui ake i te rohe i te wa e utua ana e te kiritaki i te mutunga.

Ngā whakaritenga noa mō ngā nama me Veraz

Ahakoa he rerekē te puka a ia kamupene, he maha ngā kamupene e tono ana kia whakamahia ngā raraunga ōrite hei whakaū i tō tuakiri me te whakatau tata i tō kaha ki te utu. Kia mōhio koe ki tēnei rārangi katoa i mua i te tīmatanga, ā, kia kore ai e whakakorehia nā te kore o ngā mōhiohio.

• Te DNI o nāianei, i roto i te nuinga o ngā wā he whakaahua o mua me muri.
• CUIL, CUIT rānei i runga i tō āhuatanga mahi.
• Taunakitanga o te kāinga noho o nāianei.
• Te whiwhinga utu, te whakaū o te takoha kotahi, te taunakitanga rānei o te harikoa.
• Utua te CVU ki tōu ingoa kia whiwhi ai koe i te moni.
• Īmēra me te waea pūkoro hohe.

Ka tono anō hoki ētahi hinonga mō te iti rawa o te pakeketanga mahi, te tau iti rawa me te tau mōrahi, te whakamana tuakiri rānei me te whakaahua whaiaro i roto i te tono.

He aha ngā mea e tirohia ana e ngā mea kei tua atu i a Veraz?

He mahi māmā noa iho te pūrongo nama. He maha ngā pūtea me ngā nama matihiko e hanga ana i ōna ake whakaaro mā te whakamahi i ngā raraunga e whakaatu ana i ngā hua o te whakamahinga o tō tūāpapa. Ko ētahi o ngā āhuatanga tino kitea ko:

• Whiwhinga moni ā-marama ka taea te whakamana, ā, he auau hoki.
• Te whanaungatanga i waenga i tō moni whiwhi me ngā moni ka utua e koe.
• Ngā nekehanga o tō pūkete i runga i tō ake pūhara.
• Ka utua ngā utu i ia rā, ahakoa he roa te wā e whakaroa ana.
• Monto y prazo que solicitas.
• Ngā āhuatanga kua whakamōhiotia i te BCRA Deudores Central.

He aha ngā mea hei whakataurite i mua i te tono mō tētahi nama tūturu

Ko te titiro noa ki te tahua ā-marama te hapa tino kitea. Ka taea e te wāhi iti te huna i te wāhi nui rawa atu me te utu katoa nui ake. I Argentina, ko te raraunga e taea ai e koe te whakataurite pono ko te CFT (Total Financial Cost), kei roto ko te utu, ngā taake me ngā utu. I mua i te whakaae, arotakehia:

• Kei roto hoki ngā taake mō te TNA, TEA me te CFT katoa.
• Te tapeke o te moni hei whakahoki mā te whakarapopoto i ngā toha katoa.
• Te maha o ngā toha me ngā katinga o ia rā kati.
• Ngā whakapaunga tuku, inihua, komihana rānei.
• Ngā huamoni whiu me ngā utu mō te whakaroa.
• Ka taea te whakakore i mua i te wā, ko te utu te mea nui.

Me pēhea te kimi i tētahi kōwhiringa pono

Me whakaatu e te hinonga tōna take pāpori, tōna CUIT, me te CFT i mua i tōna whakatūnga me tētahi hongere aro e taea ai te tautuhi. I Argentina, me rēhita ngā kaiwhakarato nama kore-pūtea ki te Peeke Matua, ā, ka taea e koe te tirotiro i a rātou i te paetukutuku mana o BCRA.

Kei te whakapae ahau mō tētahi e tono ana kia utua i mua i te wā hei "tuku" i te nama, tētahi e oati ana kia whakaaetia me te kore arotakenga, me tētahi e whakapā atu ana ki a koe mā te pāpāho pāpori, mā te WhatsApp rānei me te kore e tonoa. Kaua rawa e tohatoha i ngā kī peeke, i ngā waehere e tae atu ana ki a koe mā te SMS, mā te tohu rānei o tō pūkete.

Te whakamahinga tika o te nama

I mua i te tono moni, tatauhia te nui o te moni e hiahiatia ana e koe, me te nui o te moni ka taea e koe te utu me te kore e utu i te reti, te kai, ngā ratonga me te kawe waka. Me tono atu anō he mea tika nā te mea kei te wātea te tono, ka piki ake te utu katoa, ā, ka tūpono pea te whakaroa.

Mena he taonga kē atu āu, tāpirihia katoatia i mua i te tāpiri i tētahi mea hou. Mā te utu mō te whakamutu i runga i te whenua ka karohia ngā pānga whiu: ka whakapai ake hoki i tō hītori, ā, ka taea te whakatuwhera i ngā āhuatanga pai ake ā muri ake nei, i roto me waho o Veraz.

Tirohia ngā kōwhiringa nama me Veraz

Mā te whakamōhio i a koe anō i mua i te neke whakamua ka āwhina i a koe ki te whiriwhiri mārire. I te whārangi e whai ake nei ka kite koe me pēhea te whakarite i tō tono, me pēhea te whakataurite i waenga i ngā papaaho me ngā mahi whakatūpato hei mahi ina tono nama ipurangi me Veraz.

He ihirangi whakamōhio tēnei pae tukutuku, ehara i te hinonga pūtea. Kāore mātou e tuku nama, e tuku whakaaetanga taurangi rānei. Ko ngā tikanga me te wātea o ngā hua e whakawhirinaki ana ki ia kaiwhakarato me tā rātou tukanga aromatawai.