Yintoni imali mboleko yokwenyani kwaye isebenza njani?

Xa umntu efuna imali mboleko yeVeraz, ngokubanzi ufuna ukwazi ukuba angayifumana na imali ngaphandle kokuba igama lakhe livele kwidathabheyisi yeVeraz, ingxelo yekhredithi ejongwa kakhulu ziibhanki, abaxhasi bezimali kunye neebhili ezikwi-intanethi eArgentina. Unengqiqo ekunikezeni imali: uqokelela idatha yedatha, iintlawulo kunye neengcebiso, kwaye amaziko asebenzisa olu lwazi njengenxalenye yohlalutyo lwawo.

Ukuqonda iVeraz akuzivali zonke iingcango. Kukho izinto ezivavanya ezinye izinto ukongeza kwimbali, ezifana nengeniso yangoku, ixesha elide emsebenzini, ukusetyenziswa kweemveliso zakho okanye isixa osicelayo. Ke ngoko, iimali mboleko zethu neVerazz zikhona njengodidi: ziindlela zetyala ezihlalutya ityala ngalinye endaweni yokwala ngokuzenzekelayo naluphi na ulibaziseko oludlulileyo.

Kubalulekile ukuqonda ukuba iqumrhu ngalinye lichaza imithetho yalo. Abantu ababini abanengxelo efanayo banokufumana iimpendulo ezahlukeneyo, kwaye umntu omnye unokufumana iimeko ezahlukeneyo kumaqonga amabini. Ke ngoko, kuyacetyiswa ukuba uzazise ngaphambi kokuba ugcwalise nayiphi na ifomu.

Ndingacela imali mboleko xa ndiseVeraz?

Ewe, kunokwenzeka ukufaka isicelo. Into engekhoyo yimvume eqinisekisiweyo. Impendulo ixhomekeke kuvavanyo lwequmrhu, kwaye olu vavanyo luvavanya imeko ye-deuda (nokuba iyasebenza, irhoxisiwe okanye ikwingxoxo), ixesha elidlulileyo, isixa-mali esiseleyo kunye nengeniso enokuboniswa namhlanje.

I-deuda erhoxisiweyo kudala enobunzima obungaphantsi kwe-deuda engasetyenziswanga ngaphambili. Ikwachaphazela nokuba ukulibaziseka kukwinto efanayo ecela imali mboleko. Amanye amaqonga edijithali, umzekelo, abonelela ngemali encinci ekuqaleni kwaye anyusa umda njengoko umthengi ehlawula ekugqibeleni.

Iimfuno eziqhelekileyo zemali mboleko eVeraz

Nangona inkampani nganye idala uhlobo lwayo, uninzi lucela idatha efanayo ukuqinisekisa ubuwena bakho kunye nokuqikelela ubungakanani bokuhlawula kwakho. Yiba nalo lonke olu luhlu ngaphambi kokuba uqale ngexesha elifutshane kwaye uphephe ukwaliwa ngenxa yolwazi olungaphelelanga.

• I-DNI yangoku, kwiimeko ezininzi inefoto yangaphambili nangasemva.
• I-CUIL okanye i-CUIT ngokwemeko yakho yomsebenzi.
• Ubungqina bamva nje bedilesi.
• Irisithi yomvuzo, isiqinisekiso se-monotributo okanye ubungqina bovuyo.
• Hlawula i-CVU kwigama lakho ukuze ufumane imali.
• I-imeyile esebenzayo kunye nefowuni ephathwayo.

Amanye amaziko acela ubuncinci bexesha lomsebenzi, ubuncinci beminyaka kunye nobukhulu bexesha, okanye ukuqinisekiswa kobuwena nge-selfie ngaphakathi kwesicelo.

Zijonge ntoni izinto ezingaphaya kweVeraz?

Ingxelo yetyala yingqokelela nje yekhekhe. Uninzi lwezemali kunye nokuhlawuliswa kwedijithali kwakha ingongoma yalo ngedatha ekunika oko kuvela ekusebenziseni iqonga lakho. Phakathi kwezinto eziqhelekileyo zezi:

• Ingeniso yenyanga eqinisekisiweyo neqhelekileyo.
• Ubudlelwane phakathi komvuzo wakho kunye nemali oyihlawulayo.
• Ukunyakaza kweakhawunti yakho kwiqonga lakho.
• Iintlawulo zenziwa yonke imihla, nokuba kukho ukulibaziseka kwexesha elide.
• Monto y prazo que solicitas.
• Imeko enolwazi kwiZiko le-BCRA Deudors.

Yintoni omawuyithelekise ngaphambi kokuba ucele imali mboleko yokwenyani

Ukujonga kuphela ibhajethi yenyanga yeyona mpazamo ixhaphakileyo. Indawo encinci inokufihla indawo enkulu kakhulu kunye neendleko eziphezulu kakhulu. EArgentina, idatha ekuvumela ukuba uthelekise ngokwenene yi-CFT (Ixabiso lilonke lezeMali), equka umrhumo, irhafu kunye neentlawulo. Ngaphambi kokuba wamkele, jonga kwakhona:

• I-TNA, i-TEA kunye nayo yonke i-CFT kunye neerhafu ezibandakanyiweyo.
• Isixa-mali esipheleleyo esiza kubuyiselwa sihlanganisa zonke ii-quotas.
• Inani lee-quotas kunye nokuvalwa komhla ngamnye wokugqibela.
• Ukunika iindleko, i-inshurensi okanye iikomishini.
• Izilangazelelo zesohlwayo kunye neentlawulo zokulibaziseka.
• Amathuba okurhoxisa kwangaphambili ngexabiso layo.

Indlela yokufumana ukhetho oluthembekileyo

Iqumrhu liya kubonisa isizathu salo sentlalo, i-CUIT yalo, kunye ne-CFT ngaphambi kokuba lisekwe kwaye kubekho ijelo lokunika ingqalelo elichongiweyo. EArgentina, ababoneleli ngetyala abangengabo abezemali kufuneka babhaliswe kwiBhanki Ephakathi, kwaye ungabajonga kwiwebhusayithi esemthethweni ye-BCRA.

Ndiyakrokrela ukuba umntu ucela intlawulo kwangaphambili ukuze "akhulule" imali mboleko, umntu othembisa ukuvunywa ngaphandle kovavanyo kunye nabani na oqhagamshelana nawe ngemidiya yoluntu okanye ngeWhatsApp ngaphandle kokucelwa. Ungaze wabelane ngezitshixo zebhanki, iikhowudi ezifikelela kuwe ngeSMS okanye ithokheni yeakhawunti yakho.

Ukusetyenziswa kwetyala ngononophelo

Ngaphambi kokuba ucele imali, bala ukuba ufuna malini na kwaye ungahlawula malini ngaphandle kokuhlawulela irenti, ukutya, iinkonzo kunye nothutho. Uku-odola okungakumbi kuyimfuneko kuphela kuba kubonakala ngathi kukho oko kwandisa iindleko zizonke kunye nomngcipheko wokulibaziseka.

Ukuba unezinye izinto, zongeze zonke ngaphambi kokuba wongeze entsha. Ukuhlawulela ukupheliswa kwetyala enkundleni kuthintela izilangazelelo zesohlwayo: kukwaphucula imbali yakho kwaye kunokuvula iimeko ezingcono kwixesha elizayo, ngaphakathi nangaphandle kweVeraz.

Jonga iindlela zemali mboleko ngeVeraz

Ukuzazi ngaphambi kokuba uqhubeke phambili kuya kukunceda ukhethe ngoxolo. Kwiphepha elilandelayo uza kubona indlela yokucwangcisa isicelo sakho, into omawuyithelekise phakathi kwamaqonga kunye namanyathelo omawuwathathe xa ucela imali mboleko kwi-intanethi ngeVeraz.

Le sayithi inika umxholo onolwazi kwaye ayiloqumrhu lezemali. Asiboneleli ngemali-mboleko okanye imvume yesiqinisekiso. Iimeko kunye nokufumaneka kweemveliso kuxhomekeke kumboneleli ngamnye kunye nenkqubo yakhe yovavanyo.