Jonga iibhanki namaziko emali onokucela kuzo imali-mboleko eArgentina
Xa befuna imali-mboleko yobuqu eArgentina, abantu abaninzi bajamelana nobunzima bokufumana iziko elifanelekileyo elibonelela ngeemeko ezilungileyo neemali abanokuzifikelela.
Kubalulekile ukwazi ngeendlela ezikhoyo, kuba amaziko ahlukeneyo, afana neBanco BBVA neBanco Provincia, aneemali neemfuno ezahlukileyo kakhulu, nto leyo enokubhida abo bafuna inkxaso-mali ngokukhawuleza.
Eli nqaku liza kuphonononga amaziko aphambili ebhanki nawemali eArgentina abonelela ngeemali-mboleko, lichaze iimali, amaxesha okubuyisa, inzala neemfuno ezifunekayo ukuze kube lula ukwenza izigqibo ezinolwazi nezifanelekileyo xa ufaka isicelo semali-mboleko yobuqu.
Iibhanki namaziko emali aphambili abonelela ngeemali-mboleko eArgentina
EArgentina, kukho amaziko ahlukeneyo ekunokufakwa kuwo isicelo semali-mboleko yobuqu, ngalinye lineemeko neempawu zalo.
Apha ngezantsi kukho ezinye zeebhanki namaziko emali abalulekileyo, kunye neemali namaxesha okubuyisa eziwunikelayo, nto leyo eyenza kube lula ukuthelekisa nokukhetha kwabo bafuna inkxaso-mali.
Banco BBVA
Inika imali-mboleko yobuqu efikelela kwi-$40.000.000 kwi-intanethi nakwi-$70.000.000 kumasebe, enamaxesha okubuyisa afikelela kwiinyanga ezingama-72.
Banco Provincia
Ivumela ukufaka isicelo semali efikelela kwi-$50.000.000, ize ifakwe kwiakhawunti ngaphantsi kweeyure ezingama-24 emva kokuba imali-mboleko ivunyiwe.
Banco Macro
Inika imali-mboleko eqala kwi-$10.000 ukuya kwi-$10.000.000, neemeko ezihambelana nenqanaba lembali yetyala lomthengi ngamnye.
Ukwazi ngezi ndlela kubalulekile ukuze wenze izigqibo ezinolwazi malunga neemali-mboleko zasebhankini.
Ngokukhetha iziko elifanelekileyo, abafaki-zicelo banokwandisa amathuba abo okufumana imali-mboleko ehambelana neemfuno zabo zemali.
Ezona mali ziphezulu namaxesha okubuyisa akhoyo kwiimali-mboleko zobuqu
Xa ucinga ngemali-mboleko yobuqu eArgentina, kubalulekile ukwazi imali onokuyicela namaxesha okubuyisa anikelwa ngamaziko emali.
Olu lwazi lunceda abafaki-zicelo benze izigqibo ezinolwazi ngakumbi nezihambelana neemfuno zabo zemali.
Apha ngezantsi kuboniswe ezona mali ziphezulu namaxesha okubuyisa anikelwa ziibhanki eziphambili eArgentina.
| Ibhanki | Ezona Mali Ziphezulu | Amaxesha Okubuyisa |
|---|---|---|
| Banco BBVA | $40.000.000 (kwi-intanethi) / $70.000.000 (kumasebe) | Ukuya kutsho kwiinyanga ezingama-72 |
| Banco Provincia | Ukuya kuthi ga kwi-$50.000.000 | Ifakwa kwiakhawunti ngaphantsi kweeyure ezingama-24 |
| Banco Macro | Ukusuka kwi-$10.000 ukuya kwi-$10.000.000 | Kuxhomekeke kwinqanaba lembali yetyala |
Iimali namaxesha okubuyisa zahluka kakhulu phakathi kweebhanki, nto leyo ebonisa ukubaluleka kokuthelekisa iindlela ezikhoyo ngaphambi kokufaka isicelo semali-mboleko.
Ukuvavanya iimfuno neemeko kuya kunceda abafaki-zicelo bakhethe imali-mboleko ehambelana kakuhle nemeko yabo yemali.
Amazinga enzala neendleko ezinxulumene neemali-mboleko
Xa ucela imali-mboleko yobuqu eArgentina, kubalulekile ukwazi ngamazinga enzala nangeendleko ezongezelelekileyo ezinokuvela.
La mazinga anokwahluka kakhulu phakathi kweebhanki ezahlukeneyo namaziko emali, nto leyo echaphazela ngqo isixa-mali sisonke semali-mboleko.
Umzekelo, iBanco BBVA ibonelela ngeemali-mboleko ezineemeko ezithile ezahlukileyo ngokokulinganiswa kwembali yetyala lomthengi.
Amazinga enzala akhoyo ngoku
Amazinga enzala eemali-mboleko zobuqu eArgentina ayinto ebalulekileyo xa ukhetha ibhanki.
Okwangoku, kuqhelekile ukubona amazinga aphakathi kwe-30% ne-45%, ngokuxhomekeke kwiziko nakwimeko yomfaki-sicelo.
Ngoko ke, kuyacetyiswa ukuba uthelekise izibonelelo zeebhanki ezininzi ukuze ufumane eyona ndlela ilungileyo ekhoyo.
Iindleko ezongezelelekileyo
Ngaphandle kwamazinga enzala, zikho nezinye iindleko ezinxulumene neemali-mboleko, ezifana nemirhumo ne-inshorensi.
Ezi ndleko zinokwahluka kakhulu, yaye kubalulekile ukuzithathela ingqalelo xa ubala ixabiso lilonke letyala. «Ukuthelekisa amazinga enzala neendleko ezinxulumene nawo kubalulekile ukuze wenze izigqibo ezifanelekileyo ngemali.» — Iingcali zezemali.
Ukukhetha imali-mboleko efanelekileyo kunokunciphisa imithwalo yemali kwixesha elizayo.
Iimfuno namaxwebhu afunekayo xa ufaka isicelo semali-mboleko
Ukuze ufumane imali-mboleko yobuqu eArgentina, kubalulekile ukwazi iimfuno namaxwebhu afunekayo kwiziko ngalinye lezemali.
Ukuzalisekisa ezi mfuno kuya kuyilula inkqubo yokuvunywa kuze kukuncede uqhube iinkqubo zolawulo ngokufanelekileyo.
Apha ngezantsi kukho amaxwebhu asisiseko kunye neemfuno ezongezelelekileyo ezidla ngokufunwa.
Amaxwebhu asisiseko
Ngokuqhelekileyo, amaxwebhu asisiseko aquka izinto ezibalulekileyo ezivumela iziko ukuba livavanye imeko yemali yomfaki-sicelo.
La maxwebhu abalulekile ukuze kuhlolwe ityala ngokufanelekileyo, yaye anokwahluka kancinane phakathi kweebhanki namaziko emali ahlukeneyo.
- Isazisi (DNI)
- Isiliphu somvuzo okanye ubungqina bengeniso
- Isiqinisekiso se-CUIT okanye i-CDI (ukuba uzisebenzela)
Ukuba nala maxwebhu kuya kwenza kube lula ukufumana imali-mboleko.
Ukongezelela, kuyacetyiswa ukuba uqinisekise ngqo kwiziko malunga neemfuno ezongezelelekileyo elinokuzibeka, ezifana nokunikezela ngezibambiso okanye abaqinisekisi, ingakumbi ukuba isixa-mali esicelwayo sikhulu, njengemali-mboleko efikelela kwi-$50.000.000 enikezelwa yiBanco Provincia.
Iindlela zokuxhasa ngemali iiprojekthi zakho eArgentina
Ukukhetha iziko elifanelekileyo lokucela imali-mboleko yobuqu eArgentina kubalulekile, kuba kuchaphazela ngqo imiqathango neenzuzo oza kuzifumana.
Ukuthelekisa iindlela ezahlukeneyo kukunceda ufumane eyona ndlela ilungele iimfuno zemali zomntu ngamnye.
Wakuba ucacelwe ngamaziko onokukhetha kuwo, inyathelo elilandelayo kukuhlalutya iimfuno nokulungisa amaxwebhu afunekayo ukuze uqalise ukufaka isicelo, uze usondele ekuphumezeni iiprojekthi zakho.
Imibuzo Ebuzwa Rhoqo
Zeziphi iibhanki ezibonelela ngeemali-mboleko zobuqu eArgentina?
EArgentina, kukho iibhanki namaziko emali aliqela abonelela ngeemali-mboleko zobuqu.
Phakathi kwezona zibalaseleyo kukho iBanco Nación, iBanco Santander neBanco Provincia. Nganye ineemeko neempawu ezahlukileyo ezinokufaneleka ngokweemfuno zomfaki-sicelo.
Zeziphi ezona mali ziphezulu endinokuzicela kwimali-mboleko?
Eyona mali iphezulu yeemali-mboleko zobuqu yahluka kakhulu phakathi kwamaziko.
Ngokuqhelekileyo, iibhanki zibonelela ngeemali eziqala kwi-$50,000 ukuya kwi-$1,500,000, ngokuxhomekeke kumandla omfaki-sicelo okuhlawula nakwimbali yakhe yetyala.
Zeziphi iimfuno ekufuneka ndizizalisekise ukuze ndifumane imali-mboleko yobuqu?
Ukuze bafumane imali-mboleko yobuqu, abafaki-zicelo kufuneka bangenise amaxwebhu asisiseko afana ne-DNI, iziliphu zomvuzo okanye ubungqina bengeniso.
Ukongezelela, amanye amaziko anokufuna ulwazi ngembali yetyala, yaye kwezinye iimeko anokufuna isibambiso okanye umntu aza kuboleka kunye nomfaki-sicelo.
Ngawaphi amazinga enzala akhoyo ngoku kwiimali-mboleko zobuqu?
Amazinga enzala eemali-mboleko zobuqu eArgentina anokutshintsha ngokuxhomekeke ebhankini nakuhlobo lwemali-mboleko olucelwayo.
Okwangoku, amazinga aphakathi kwe-30% ne-80% ngonyaka, nto leyo eyenza kubaluleke ukuthelekisa izibonelelo ngononophelo ngaphambi kokwenza isigqibo.
Ndingazithelekisa njani iindlela ezikhoyo zokufumana imali-mboleko?
Ukuthelekisa iindlela zeemali-mboleko zobuqu kuthetha ukuvavanya kungekuphela nje amazinga enzala, kodwa nexesha lokuhlawula, izixa-mali neemfuno zeziko ngalinye.
Ukusebenzisa izixhobo zokubala iimali-mboleko ezikwi-intanethi nokufunda izimvo zabanye abasebenzisi kunokukunceda ukhethe esona sibonelelo silungileyo sikhoyo.
