Kodi ngongole yeniyeni ndi chiyani ndipo imagwira ntchito bwanji?

Munthu akafuna ngongole ya ku Veraz, nthawi zambiri amafuna kudziwa ngati angathe kupeza ndalama popanda dzina lake kuwonekera mu database ya ku Veraz, lipoti la ngongole lomwe limafunsidwa kwambiri ndi mabanki, akatswiri azachuma ndi ma bilu apaintaneti ku Argentina. Wodziwa bwino kupereka ndalama: amasonkhanitsa deta ya deta, malipiro ndi upangiri, ndipo mabungwe amagwiritsa ntchito izi ngati gawo la kusanthula kwawo.

Kuganizira za Veraz sikutseka zitseko zonse. Pali mabungwe omwe amawunika zinthu zina kuwonjezera pa mbiri yakale, monga ndalama zomwe mumapeza panopa, zaka zomwe mumagwira ntchito, kugwiritsa ntchito zinthu zanu kapena ndalama zomwe mumapempha. Chifukwa chake, ngongole zathu ndi Verazz zilipo ngati gulu: ndi mizere ya ngongole yomwe imasanthula nkhani iliyonse m'malo mokana kuchedwa kulikonse komwe kwachitika kale.

Ndikofunikira kumvetsetsa kuti bungwe lililonse limafotokoza malamulo akeake. Anthu awiri omwe ali ndi lipoti lomwelo akhoza kulandira mayankho osiyanasiyana, ndipo munthu m'modzi akhoza kulandira zinthu zosiyana pa nsanja ziwiri. Chifukwa chake, ndibwino kuti mudziwe nokha musanamalize fomu iliyonse.

Kodi ndingapemphe ngongole ndili ku Veraz?

Inde, n'zotheka kupereka pempho. Chomwe sichilipo ndi chitsimikizo chotsimikizika. Yankho limadalira kuwunika kwa bungweli, ndipo kuwunikaku kumayesa momwe zinthu zilili pa deuda (kaya ikugwira ntchito, yathetsedwa kapena ikukambirana), nthawi yomwe yadutsa, ndalama zomwe zatsala komanso ndalama zomwe zingawonetsedwe lero.

Deuda yomwe yathetsedwa kale kwambiri yomwe imalemera pang'ono kuposa deuda yomwe sinagwiritsidwe ntchito kale. Zimakhudzanso ngati kuchedwa kuli ndi kampani yomweyi yomwe ikupempha ngongoleyo. Mapulatifomu ena a digito, mwachitsanzo, amapereka ndalama zochepa poyamba ndipo amawonjezera malire pamene kasitomala amalipira kumapeto.

Zofunikira zachizolowezi pa ngongole ndi Veraz

Ngakhale kampani iliyonse imapanga mawonekedwe akeake, ambiri amafunsa deta yofanana kuti atsimikizire kuti ndinu ndani ndikuyerekeza kuchuluka kwa malipiro anu. Khalani ndi mndandanda wonsewu musanayambe nthawi yochepa ndipo pewani kukanidwa chifukwa cha zambiri zosakwanira.

• DNI yamakono, nthawi zambiri yokhala ndi chithunzi cha kutsogolo ndi kumbuyo.
• CUIL kapena CUIT malinga ndi momwe ntchito yanu ilili.
• Umboni wa adilesi yaposachedwa.
• Kulandira malipiro, kutsimikizira kuti munthu walandira ndalama zambiri kapena umboni wosangalala.
• Lipirani CVU ku dzina lanu kuti mulandire ndalamazo.
• Imelo yogwira ntchito ndi foni yam'manja.

Mabungwe ena amapemphanso zaka zocheperako pantchito, zaka zocheperako komanso zapamwamba kwambiri, kapena kutsimikizira chizindikiritso pogwiritsa ntchito selfie mkati mwa fomu yofunsira.

Kodi zinthu zina zomwe zili kunja kwa Veraz zikuyang'ana chiyani?

Lipoti la ngongole ndi losavuta. Ndalama zambiri komanso zolipiritsa pa intaneti zimamanga mfundo yakeyake ndi deta yomwe imakupatsirani zomwe zimachokera pakugwiritsa ntchito nsanja yanu. Zina mwa zinthu zomwe zimafala kwambiri ndi izi:

• Ndalama zotsimikizika komanso zokhazikika pamwezi.
• Kugwirizana pakati pa ndalama zomwe mumapeza ndi ndalama zomwe mumalipira.
• Kusuntha kwa akaunti yanu pa nsanja yanu.
• Malipiro amaperekedwa tsiku lililonse, ngakhale patakhala kuchedwa kwa nthawi yayitali.
• Monto y prazo que solicitas.
• Nkhani yodziwika bwino ku BCRA Deudors Center.

Zoyenera kuyerekeza musanapemphe ngongole yeniyeni

Kuyang'ana bajeti ya mwezi uliwonse kokha ndiko kulakwitsa komwe kumachitika kawirikawiri. Malo ang'onoang'ono amatha kubisa malo akuluakulu kwambiri komanso mtengo wokwera kwambiri. Ku Argentina, deta yomwe imakulolani kuyerekeza kwenikweni ndi CFT (Total Financial Cost), yomwe imaphatikizapo ndalama zolipirira, misonkho ndi zolipiritsa. Musanavomereze, onaninso:

• TNA, TEA ndi CFT yonse pamodzi ndi misonkho.
• Ndalama zonse zomwe ziyenera kubwezedwa pofotokoza mwachidule miyeso yonse.
• Chiwerengero cha ma quota ndi kutseka tsiku lililonse lomaliza.
• Kupereka ndalama, inshuwaransi kapena makomishoni.
• Zofuna za chilango ndi zolipiritsa chifukwa cha kuchedwa.
• Kuthekera kuletsa pasadakhale pamtengo wake.

Momwe mungapezere njira yodalirika

Bungwe likhoza kusonyeza chifukwa chake cha chikhalidwe cha anthu, CUIT yake, ndi CFT lisanakhazikitsidwe komanso njira yodziwikiratu yodziwikiratu. Ku Argentina, opereka ngongole omwe si a zachuma ayenera kulembetsedwa ku Banki Yaikulu, ndipo mutha kuwayang'ana patsamba lovomerezeka la BCRA.

Ndikukayikira munthu amene akupempha kuti alipire pasadakhale kuti "atulutse" ngongoleyo, wina amene akulonjeza kuti avomereze popanda kuwunikira, komanso aliyense amene akukulumikizani kudzera pa malo ochezera a pa Intaneti kapena WhatsApp popanda kupemphedwa. Musagawire makiyi a banki, ma code omwe amakufikirani kudzera pa SMS kapena tokeni ya akaunti yanu.

Kugwiritsa ntchito bwino ngongole

Musanapemphe ndalama, werengerani ndalama zomwe mukufunadi komanso ndalama zomwe mungalipire popanda kulipira lendi, chakudya, mautumiki ndi mayendedwe. Kuyitanitsa zambiri ndikofunikira chifukwa zikuwoneka kuti zikupezeka kumawonjezera mtengo wonse komanso chiopsezo cha kuchedwa.

Ngati muli ndi zinthu zina, onjezani zonse musanawonjezere china chatsopano. Kulipira kuti muthetsedwe pa malo ogwirira ntchito kumapewa zilango: kumakonzanso mbiri yanu ndipo kungatsegule mikhalidwe yabwino mtsogolo, mkati ndi kunja kwa Veraz.

Yang'anani njira zobwereketsa ndi Veraz

Kudzidziwitsa nokha musanapite patsogolo kudzakuthandizani kusankha modekha. Patsamba lotsatira muwona momwe mungakonzere pempho lanu, zomwe mungayerekezere pakati pa nsanja ndi njira zodzitetezera zomwe muyenera kuchita mukapempha ngongole pa intaneti ndi Veraz.

Tsambali limapereka chidziwitso ndipo si bungwe la zachuma. Sitipereka ngongole kapena chitsimikizo. Mikhalidwe ndi kupezeka kwa zinthu zimadalira wopereka aliyense ndi njira yawo yowunikira.