Iyini imali mboleko yangempela futhi isebenza kanjani?

Uma umuntu efuna imali mboleko ye-Veraz, ngokuvamile ufuna ukwazi ukuthi angakwazi yini ukufinyelela imali mboleko ngaphandle kokuthi igama lakhe livele kudathabheyisi ye-Veraz, umbiko wesikweletu obhekwa kakhulu ngamabhange, abaxhasi bezimali kanye nama-virtual bills e-Argentina. Unesibindi ekuhlinzekeni ngemali: uqoqa idatha ngedatha, izinkokhelo kanye nokubonisana, futhi izinhlangano zisebenzisa lolu lwazi njengengxenye yokuhlaziywa kwazo.

Ukuqonda ku-Veraz akuvali yonke iminyango. Kunezinhlangano ezihlola ezinye izici ngaphezu komlando, njengemali engenayo yamanje, isikhathi somsebenzi, ukusetshenziswa kwemikhiqizo yakho noma inani olicelayo. Ngakho-ke, imali mboleko yethu ne-Verazz ikhona njengesigaba: yimigqa yesikweletu ehlaziya icala ngalinye esikhundleni sokwenqaba ngokuzenzakalelayo noma yikuphi ukubambezeleka kwesikhathi esidlule.

Kubalulekile ukuqonda ukuthi inhlangano ngayinye ichaza imithetho yayo. Abantu ababili abanombiko ofanayo bangathola izimpendulo ezihlukene, kanti umuntu oyedwa angathola izimo ezihlukene ezinkundleni ezimbili. Ngakho-ke, kuyalulekwa ukuthi uzazise ngaphambi kokugcwalisa noma yiliphi ifomu.

Ngingacela imali mboleko ngesikhathi ngiseVeraz?

Yebo, kungenzeka ukuhambisa isicelo. Okungekho ukuvunyelwa okuqinisekisiwe. Impendulo incike ekuhlolweni kwenhlangano, futhi lokhu kuhlolwa kulinganisa isimo se-deuda (kungakhathaliseki ukuthi siyasebenza, sikhanseliwe noma sixoxisana), isikhathi esidlulile, inani elisele kanye nemali engenayo engaboniswa namuhla.

I-deuda ikhanseliwe kudala enesisindo esingaphansi kwe-deuda engasetshenziswanga ngaphambilini. Iphinde ithinte uma ukubambezeleka kusebhizinisini elifanayo elicela imali mboleko. Amanye amapulatifomu edijithali, isibonelo, ahlinzeka ngamanani amancane ekuqaleni futhi andise umkhawulo njengoba ikhasimende likhokha ekugcineni.

Izidingo ezijwayelekile zemali mboleko neVeraz

Nakuba inkampani ngayinye idala ifomu layo, iningi licela idatha efanayo ukuqinisekisa ubuwena bakho nokulinganisa umthamo wakho wokukhokha. Yiba nalo lonke lolu hlu ngaphambi kokuqala ngesikhathi esifushane futhi ugweme ukwenqatshwa ngenxa yolwazi olungaphelele.

• I-DNI yamanje, ezimweni eziningi inesithombe sangaphambili nangemuva.
• I-CUIL noma i-CUIT ngokwesimo sakho somsebenzi.
• Ubufakazi bakamuva bekheli.
• Irisidi lomholo, isiqinisekiso se-monotributo noma ubufakazi bokujabula.
• Khokha i-CVU egameni lakho ukuze uthole imali.
• I-imeyili esebenzayo kanye nefoni yeselula.

Ezinye izinhlangano zicela nokuqinisekiswa kobunikazi obuncane bomsebenzi, iminyaka ephansi kanye nephezulu, noma ukuqinisekiswa kobunikazi nge-selfie ngaphakathi kwesicelo.

Yini ebhekwa yizinto ezingaphandle kweVeraz?

Umbiko wesikweletu umane nje uyisiqephu sekhekhe. Iningi lezezimali kanye nokukhokhiswa kwedijithali kwakha iphuzu lalo ngedatha ekunikeza lokho okuvela ekusebenziseni ipulatifomu yakho. Phakathi kwezinto ezivame kakhulu yilezi:

• Imali engenayo yanyanga zonke eqinisekisiwe futhi ejwayelekile.
• Ubudlelwano phakathi kwemali engenayo yakho kanye nenani olikhokhayo.
• Ukunyakaza kwe-akhawunti yakho kupulatifomu yakho.
• Izinkokhelo zenziwa nsuku zonke, noma ngabe kukhona ukubambezeleka kwesikhathi eside.
• Monto y prazo que solicitas.
• Isimo esinolwazi e-BCRA Deudors Center.

Okufanele ukuqhathanise ngaphambi kokucela imali mboleko yangempela

Ukubheka isabelomali sanyanga zonke kuphela yiphutha elivame kakhulu. Indawo encane ingafihla indawo enkulu kakhulu kanye nezindleko eziphezulu kakhulu. E-Argentina, idatha ekuvumela ukuthi uqhathanise ngempela yi-CFT (Izindleko Zezezimali Eziphelele), efaka imali, intela kanye nezindleko. Ngaphambi kokwamukela, buyekeza:

• I-TNA, i-TEA kanye nayo yonke i-CFT kanye nezintela ezifakiwe.
• Inani eliphelele elizobuyiselwa lihlanganisa zonke izabelo.
• Inani lezabelo kanye nokuvalwa kosuku ngalunye lokuphelelwa yisikhathi.
• Ukunikeza izindleko, umshwalense noma amakhomishini.
• Izintshisekelo zesijeziso kanye nezindleko zokulibaziseka.
• Kungenzeka ukukhansela kusengaphambili ngezindleko zakho.

Indlela yokuthola inketho ethembekile

Inhlangano ingabonisa isizathu sayo senhlalo, i-CUIT yayo, kanye ne-CFT ngaphambi kokuba isungulwe kanye nomzila wokunaka obonakalayo. E-Argentina, abahlinzeki bezikweletu abangebona abezimali kumele babhaliswe neBhange Elikhulu, futhi ungabahlola kuwebhusayithi esemthethweni ye-BCRA.

Ngiyasola umuntu ocela inkokhelo kusenesikhathi ukuze "akhulule" imali mboleko, umuntu othembisa ukuvunyelwa ngaphandle kokuhlolwa kanye nanoma ubani oxhumana nawe ngezinkundla zokuxhumana noma nge-WhatsApp ngaphandle kokucelwa. Ungalokothi wabelane ngokhiye basebhange, amakhodi afinyelela kuwe nge-SMS noma ithokheni ye-akhawunti yakho.

Ukusetshenziswa kwesikweletu ngokwethembeka

Ngaphambi kokucela imali, bala ukuthi udinga malini ngempela nokuthi ungakhokha malini ngaphandle kokukhokhela irenti, ukudla, izinsizakalo kanye nokuhamba. Uku-oda okwengeziwe kuyadingeka kuphela ngoba kubonakala kutholakala kwandisa izindleko eziphelele kanye nengozi yokubambezeleka.

Uma unezinye izinto, zifake zonke ngaphambi kokufaka ezintsha. Ukukhokhela ukuqeda phansi kugwema izintshisekelo zesijeziso: futhi kuthuthukisa umlando wakho futhi kungavula izimo ezingcono esikhathini esizayo, ngaphakathi nangaphandle kweVeraz.

Hlola izinketho zemalimboleko nge-Veraz

Ukuzazi ngaphambi kokuqhubekela phambili kuzokusiza ukhethe ngokuthula. Ekhasini elilandelayo uzobona ukuthi ungasihlela kanjani isicelo sakho, ukuthi yini okufanele uyiqhathanise phakathi kwamapulatifomu nokuthi yiziphi izinyathelo zokuphepha okufanele uzithathe lapho ucela imali mboleko ku-inthanethi ne-Veraz.

Le sayithi inikeza okuqukethwe okufundisayo futhi akuyona inhlangano yezezimali. Asinikezi imali mboleko noma izimvume zesiqinisekiso. Izimo kanye nokutholakala kwemikhiqizo kuncike kumhlinzeki ngamunye kanye nenqubo yakhe yokuhlola.