Iindlela ezikhoyo zokufumana imali-mboleko yobuqu eArgentina
EArgentina, iimali-mboleko zobuqu eArgentina zikhule kakhulu, kwaza kwabakho ukunyuka nge-204% kwemali ebekelwe ezi mali-mboleko.
Noko ke, izinga lokusilela ekuhlawuleni amatyala linyuke laya kutsho kwi-7,8%, nto leyo engumngeni kwabo bafuna inkxaso-mali yobuqu yokuhamba, yokulungisa amakhaya okanye yokuhlawula amatyala.
Eli nqaku linika isikhokelo esibanzi ngeendlela ezikhoyo, kuquka iibhanki eziphambili namaziko abonelela ngeemali-mboleko, ezona zixa ziphezulu nezisezantsi, amaxabiso enzala angoku kunye neemfuno zokufumana ezi mali-mboleko.
Iibhanki eziphambili namaziko emali abonelela ngeemali-mboleko zobuqu eArgentina
EArgentina, iibhanki namaziko emali ahlukeneyo anika iindlela ezinomtsalane kwabo bafuna iimali-mboleko zobuqu eArgentina.
La maziko anika iindlela ezahlukeneyo ezinokuhambelana neemfuno zemali zabasebenzisi.
Nalu uluhlu lwababoneleli abaphambili kwimarike yeemali-mboleko zobuqu.
- Banco BBVA: Iimali-mboleko ezifikelela kwi-$40.000.000 kwi-intanethi nakwi-$70.000.000 kumasebe.
- Banco Santander: Inika inkxaso-mali enamaxabiso enzala akhuphisanayo namaxesha aguquguqukayo okuhlawula.
- Banco Galicia: Iimali-mboleko zobuqu ezinezixa namaxesha ahlukeneyo okubuyisa imali.
- Banco Macro: Iimali-mboleko ezihlawulwa ngemali, ezinemiqathango enokulungiselelwa iimfuno zomntu.
- Creditea: Iziko elingelilo ibhanki elenza kube lula ukufumana imali-mboleko ekhawulezayo nefikelelekayo.
- Rapid Créditos: Enye indlela engeyiyo eyebhanki, enika inkxaso-mali yobuqu ngenkqubo elula.
La maziko abalulekile kubantu abafuna inkxaso-mali yobuqu.
Ngokukhula nge-204% ngo-2025, kuyacaca ukuba iikhredithi zobuqu zifunwa kakhulu, ngoko kubalulekile ukuqwalasela ukhetho ngalunye ukuze ukhethe olufanelekileyo.
Ezona zixa ziphezulu nezisezantsi ezikhoyo kwiimali-mboleko zobuqu
Iimali-mboleko zobuqu eArgentina zahluka kakhulu ngezixa ezinokucelwa, kuxhomekeke kwiziko lezemali.
Kubalulekile ukwazi le mida ukuze wenze izigqibo ezinolwazi malunga nenkxaso-mali yobuqu, uze uphephe izinto ezothusayo ngexesha lokufaka isicelo.
Ezona zixa zisezantsi
Isixa esisezantsi esinokucelwa kwimali-mboleko yobuqu sidla ngokuba yinto ebalulekileyo kubafaka izicelo.
Ngokuqhelekileyo, amaziko abeka isixa esisezantsi esinokwahluka kakhulu, nto leyo evumela abemi ukuba bafumane inkxaso-mali abayidingayo kwiiprojekthi ezahlukeneyo.
Ezona zixa ziphezulu
Ngokuphathelele kwezona zixa ziphezulu, iBanco BBVA ibalasele ngokubonelela ngeemali-mboleko ezifikelela kwi $40.000.000 kwi-intanethi ukuya kuthi ga kwi $70.000.000 kumasebe ayo, kunye namaxesha okubuyisa afikelela kwiinyanga ezingama-72.
Ezi zixa ziphezulu zibonisa imfuno ekhulayo kunye nokwanda konikezelo lweemali-mboleko zobuqu kweli lizwe.
| Iziko lezeMali | Isixa esisezantsi | Isixa esiphezulu |
|---|---|---|
| Banco BBVA | $10.000 | $70.000.000 |
| Enye iBhanki | $5.000 | $50.000.000 |
Ukwazi ezona zixa ziphantsi nezona ziphezulu zikhoyo kubalulekile kuye nabani na ocinga ngokuthatha imali-mboleko yobuqu.
Ukuvavanya la manani kunceda ukubeka ulindelo olusengqiqweni nokucwangcisa ngokufanelekileyo indlela yokusebenzisa imali efunyenweyo.
Amazinga enzala namaxesha okubuyisa anikezelwa ngamaziko
Amazinga enzala namaxesha okubuyisa zizinto ezibalulekileyo ekufuneka ziqwalaselwe xa kucingwa ngokuthatha iimali-mboleko zobuqu eArgentina.
Ngo-2025, amazinga enzala aye atshintsha kakhulu, ebonakalisa imeko yezoqoqosho yelizwe kunye nemfuno yenkxaso-mali yobuqu.
Ngokuqhelekileyo, iibhanki namaziko emali abonelela ngeentlobo ngeentlobo zamazinga enzala namaxesha okubuyisa ahambelana neeprofayili ezahlukeneyo zabafaki-zicelo.
Amazinga enzala akhoyo ngoku
Amazinga enzala akhoyo ngoku kwiimali-mboleko zobuqu aphezulu kwaye anokuba nefuthe kwisigqibo sokugqibela somthengi.
Ngokutsho kwengcali, «Amazinga enzala kwimarike axhomekeke ekunyukeni kwamaxabiso nakwimigaqo-nkqubo yeBanco Central, nto leyo enyanzela ababoleki ukuba bavavanye ngononophelo ukhetho lwabo.» Kwimeko yokukhula nge-204% kweli candelo, kubalulekile ukuba abafaki-zicelo baqwalasele izibonelelo ezihambelana neemfuno zabo zezemali.
Amaxesha okubuyisa
Amaxesha okubuyisa iimali-mboleko zobuqu nawo ayahluka ngokwamaziko.
Uninzi lweebhanki, njengeBanco BBVA, luvumela amaxesha okubuyisa afikelela kwiinyanga ezingama-72, nto leyo enika ababoleki ukuguquguquka.
Oku kwahluka kwamaxesha okubuyisa kuvumela abafaki-zicelo ukuba bakhethe isicwangciso sentlawulo esihambelana nemeko yabo yezoqoqosho, kuze kube lula ukulawula iimali-mboleko zabo zobuqu.
Iimfuno nemiqathango yokufumana imali-mboleko yobuqu
Ukufaka isicelo semali-mboleko yobuqu eArgentina kuthetha ukuba kufuneka kuhlangatyezwane neemfuno nemiqathango ethile.
Amaxwebhu afunekayo kunye neendlela zokuhlola ngokubanzi zibalulekile ekuqinisekiseni ukuba amaziko emali amvavanya ngokufanelekileyo umfaki-sicelo.
Ezi zinto zibalulekile ukuze kufumaneke iimali-mboleko zobuqu ngendlela efanelekileyo.
Amaxwebhu afunekayo
Ukuze bafumane imali-mboleko yobuqu, abafaki-zicelo kufuneka bangenise uthotho lwamaxwebhu abonisa ukuba bayakwazi ukuhlawula kunye nemeko yabo yezemali.
Olu luhlu lulandelayo luchaza awona maxwebhu adla ngokufuneka:
- I-DNI okanye uxwebhu lwesazisi olusasebenzayo.
- Ubungqina bengeniso, obufana neerisithi zomvuzo okanye isibhengezo serhafu.
- Iingxelo zakutshanje zeakhawunti yebhanki.
- Iimbekiselo zobuqu okanye zorhwebo, ukuba ziyacelwa.
Ukuba namaxwebhu afanelekileyo kubalulekile ekwandiseni amathuba okuvunywa kwemali-mboleko.
Ezi mfuno zinokwahluka ngokweziko lezemali, ngoko kuyacetyiswa ukuba kubuzwe kwangaphambili.
Imiqathango ngokubanzi
Imiqathango ngokubanzi yokufumana imali-mboleko yobuqu eArgentina ibandakanya izinto ezifana nobudala obusezantsi, uzinzo emsebenzini nokukwazi ukuhlawula.
Ngokuqhelekileyo, amaziko emali afuna ukuba abafaki-zicelo babe ngaphezulu kweminyaka engama-21 kwaye babe nomsebenzi ozinzileyo.
Kubalulekile nokuqwalasela izinga lokungahlawulwa kwamatyala elikhoyo kweli lizwe, elifikelele kwi-7,8% ngo-Oktobha ka-2025.
Ukongezelela, kubalulekile ukuba ipesenti yengeniso esetyenziselwa ukuhlawula isavenge ingagqithi kumda othile omiselwe ngamaziko.
Ukuhlangabezana nale miqathango kuvumela abafaki-zicelo ukuba bafumane amazinga enzala akhuphisanayo namaxesha okubuyisa anomtsalane kwimarike yeemali-mboleko zobuqu eArgentina.
Iingongoma zokugqibela ngeemali-mboleko zobuqu eArgentina
Ukukhetha ngokufanelekileyo imali-mboleko yobuqu eArgentina kubalulekile kwimpilo yezemali yabafaki-zicelo, kuba kufuna ukuvavanya kungekuphela amazinga enzala, kodwa nokukwazi ukuhlawula namaxesha okubuyisa.
Ukuhlola iinketho ezikhoyo nokuthelekisa izibonelelo ezahlukeneyo kuya kuvumela abantu abanomdla ukuba benze izigqibo ezinolwazi nezihambelana neemfuno zabo zezemali zexesha elizayo.
Imibuzo edla ngokubuzwa
Zeziphi iibhanki ezibonelela ngeemali-mboleko zobuqu eArgentina?
Phakathi kweebhanki ezibonelela ngeemali-mboleko zobuqu eArgentina, kugqame amaziko afana neBanco Nación, Banco Provincia kunye neBBVA.
Ukongezelela, eminye imibutho esebenzisana ngamatyala namaziko emali asekuhlaleni nawo abonelela ngeendlela zenkxaso-mali ezikhuphisanayo.
Kuyacetyiswa ukuthelekisa izibonelelo zamaziko ahlukeneyo ngaphambi kokukhetha indlela ethile.
Leliphi elona xabiso liphezulu endinokulicela kwimali-mboleko yobuqu?
Elona xabiso liphezulu lokucela imali-mboleko yobuqu liyahluka ngokweziko nangokweprofayili yomfaki-sicelo.
Ngokubanzi, iibhanki zidla ngokubonelela ngeemali ezisusela kwi $10,000 ukuya kwi $1,500,000, ngokuxhomekeke kwingeniso yomfaki-sicelo nakukwazi kwakhe ukuhlawula.
Ngenxa yoko, kubalulekile ukuqinisekisa imiqathango ethile yebhanki nganye.
Ngawaphi amazinga enzala akhoyo ngoku kwiimali-mboleko zobuqu?
Amazinga enzala kwiimali-mboleko zobuqu eArgentina anokutshintsha kakhulu, esusela kwi-30% ukuya kwi-70% ngonyaka ngokwezinga elisebenzayo.
Izinto ezifana nembali yetyala yomfaki-sicelo kunye nobude bemali-mboleko zichaphazela izinga lenzala elisetyenziswayo.
Kuyacetyiswa ukuba kuqwalaselwe amazinga enzala akhoyo kwibhanki nganye ngaphambi kokuqhubeka nesicelo.
Zeziphi iimfuno ekufuneka ndihlangabezane nazo ukuze ndifumane imali-mboleko yobuqu?
Ukuze bafumane imali-mboleko yobuqu, iibhanki zidla ngokufuna amaxwebhu afana ne-DNI, iirisithi zomvuzo nezatifikethi zengeniso.
Ukongezelela, ezinye iibhanki zinokucela uhlalutyo lwetyala ukuze zivavanye ukukwazi ukuhlawula komfaki-sicelo.
Kubalulekile ukuhlangabezana nezi mfuno ukuze kwandiswe amathuba okuvunywa.
Ndingasibala njani isavenge senyanga semali-mboleko yobuqu?
Ukubala isavenge senyanga semali-mboleko yobuqu kuthetha ukuqwalasela isixa esiceliweyo, izinga lenzala nexesha lokuhlawula.
Kunokusetyenziswa ifomula yokuhlawula imali-mboleko ngezavenge okanye iikhaltyhuleyitha ezikwi-intanethi ukuze kufunyanwe uqikelelo oluchanekileyo.
Oku kuya kuvumela umfaki-sicelo ukuba awuqonde ngcono umthwalo wakhe wezemali wenyanga ngaphambi kokuthatha imali-mboleko.
