Imali-mboleko yeBBVA xa umvuzo wakho ufakwa ebhankini

Imali-mboleko ye-BBVA yabafumana umvuzo yenye yezona ndlela ziluncedo ezinikezelwa yibhanki kubathengi bayo abafumana umvuzo wabo ngqo kwiakhawunti ye-BBVA.

Olu hlobo lwemali-mboleko lubalasele ngokulula kokufumana imvume, ngamaxabiso enzala akhethekileyo nangokukwazi ukwenza iintlawulo ngokuzenzekelayo kwiakhawunti enye apho kufakwa khona umvuzo.

Kwesi sikhokelo uza kufunda indlela esebenza ngayo imali-mboleko ye-BBVA yabafumana umvuzo, iingenelo zayo, iimfuno kunye nendlela yokuyicela inyathelo ngenyathelo.

🏦 Iimpawu eziphambili zemali-mboleko ye-BBVA yabafumana umvuzo

Imali-mboleko yomvuzo ye-BBVA yenzelwe abasebenzi abarhola umvuzo ofakwa kwiakhawunti ye-BBVA.

Olona ncedo lwayo luphambili kukuba ibhanki sele iyazi imbali yemivuzo yomthengi, nto leyo eyenza kube lula ukufumana imvume kwaye iphucule imimiselo yemali-mboleko.

1. Izixa-mali ezifumanekayo: ukusuka kwi-$5,000 ukuya kwi-$750,000 MXN, ngokuxhomekeke kwimbali yakho nakwixesha osebenze ngalo.
2. Amaxesha okuhlawula: phakathi kweenyanga ezi-6 nezingama-72, kwaye ungayihlawula yonke kwangethuba ngaphandle kwesohlwayo.
3. Izinga lenzala: likhethekileyo kubathengi abanemivuzo efakwa rhoqo kwi-BBVA; lidla ngokuba phakathi kwe-18 % ne-35 % ngonyaka.
4. Umndilili we-CAT: umalunga ne-36 %, ngokuxhomekeke kwiprofayili yomthengi.
5. Ukutsalwa kwemali ngokuzenzekelayo: intlawulo yenyanga yenziwa ngqo kwiakhawunti yakho yomvuzo.

Ezi mpawu zenza imali-mboleko ye-BBVA yabafumana umvuzo ibe sisisombululo esifanelekileyo sokuxhasa ngemali iiprojekthi zobuqu, ukuhlanganisa amatyala okanye ukuhlawula iindleko zongxamiseko ngaphandle kobunzima.

Ngamafutshane, le yimveliso ekhawulezayo, enamaxabiso enzala akhuphisanayo nenkqubo yokuhlawula elula nekhuselekileyo.

📋 Iimfuno zokucela imali-mboleko ye-BBVA yabafumana umvuzo

Ngaphambi kokuqala isicelo sakho, qinisekisa ukuba uyazifezekisa iimfuno ezisisiseko ezibekwe yibhanki.

Oku kuya kukunceda ukhawulezise inkqubo kwaye kwandise amathuba akho okufumana imvume.

1. Umvuzo wakho mawufakwe kwiakhawunti ye-BBVA México.
2. Yiba ngumntu ngamnye ongazibandakanyi kwimisebenzi yoshishino.
3. Ubuncinane beminyaka eli-18 nobuninzi beminyaka engama-84 (kubalwa nexesha lemali-mboleko).
4. Ubuncinane beenyanga ezi-3 usebenza emsebenzini wakho.
5. Umvuzo wenyanga omncinane oyi-$2,000 MXN.
6. Isazisi esisemthethweni esisasebenzayo (INE okanye ipasipoti).
7. Ubungqina bedilesi obutsha (obungadlulanga kwiinyanga ezi-3).

Xa uzifezekisa ezi mfuno, unokufaka isicelo semali-mboleko ngokulula kwi-app okanye kwipothali ye-BBVA.

Ngamafutshane, iimfuno zilula kwaye zenzelwe abasebenzi abasemthethweni abafuna ukufumana imali ngokukhawuleza, benenkxaso epheleleyo yebhanki.

💻 Indlela yokucela imali-mboleko ye-BBVA yabafumana umvuzo inyathelo ngenyathelo

Isicelo sinokufakwa ngokupheleleyo kwi-intanethi, ngaphandle kokuya kwisebe lebhanki.

Ufuna kuphela iakhawunti esebenzayo noqhagamshelo lwe-intanethi.

1. Yiya kwi-portal www.bbva.mx okanye uvule i-app ye-BBVA México.
2. Ngena ngegama lakho lomsebenzisi kunye negama lokugqitha.
3. Yiya kwicandelo elithi “Iikhredithi neemali-mboleko”.
4. Khetha “Imali-mboleko yomvuzo ye-BBVA”.
5. Sebenzisa isixhobo sokulinganisa ukubala isixa nexesha lokuhlawula ezilungele iimfuno zakho.
6. Gcwalisa isicelo kwi-intanethi. Inkqubo iya kuqinisekisa iinkcukacha zakho ngokuzenzekelayo.
7. Fumana imvume yokuqala ngemizuzu.
8. Sayina nge-elektroniki kwaye imali iza kufakwa ngqo kwiakhawunti yakho yomvuzo.

Inkqubo iyakhawuleza, icacile kwaye ikhuseleke ngokupheleleyo, ngenxa yokuqinisekisa ngesazisi sebhayometriki kunye nethokheni yedijithali ye-BBVA.

Ngamafutshane, ungafumana imali-mboleko yakho ngaphandle kwamaphepha, ngaphantsi kwemizuzu eyi-10, unoxolo lwengqondo lokusebenzisana ngqo nebhanki yakho.

💡 Iinzuzo zemali-mboleko yomvuzo yeBBVA

Imali-mboleko yomvuzo yeBBVA ineenzuzo ezikhethekileyo xa ithelekiswa nezinye iintlobo zetyala.

Apha ngezantsi kukho ezona nzuzo ziphambili:

1. Amazinga enzala akhethekileyo: ngenxa yokuba ufumana umvuzo wakho ngeBBVA, uhlawula inzala encinane.
2. Ukutsalwa kwentlawulo ngokuzenzekelayo: akufuneki ukhathazeke ngemihla yokuhlawula.
3. Ukuvunywa kwangoko: ngenxa yembali yangaphakathi yengeniso neentengiselwano.
4. Akufuneki umqinisekisi okanye isibambiso: imali-mboleko inikwa ngokusekelwe kumvuzo wakho osebenzayo.
5. Iintlawulo zangaphambi kwexesha ngaphandle kwesohlwayo: ungayihlawula yonke kwangethuba uze wonge kwinzala.

Ezi nzuzo zenza imali-mboleko yomvuzo yeBBVA ibe lukhetho olulungele abo bafuna inkxaso-mali eguquguqukayo nethembekileyo.

Ukuqukumbela, le yimali-mboleko eyenzelwe abasebenzi abaqeshwe ngokusemthethweni abafuna imali efumanekayo ngaphandle kweenkqubo ezinde okanye iingxaki ezingeyomfuneko.

⚠️ Izinto omawuziqwalasele ngaphambi kokuba uboleke

Ngaphambi kokuba wamkele isithembiso semali-mboleko, qwalasela ezi ngongoma zilandelayo:

1. Vavanya ukuba uyakwazi na ukuhlawula. Musa ukusebenzisa ngaphezu kwe-30 % yomvuzo wakho wenyanga ekuhlawuleni amatyala.
2. Jonga i-CAT nezinga lokugqibela lenzala. Jonga amaxabiso ahlaziyiweyo kwisixhobo sokubala esisemthethweni.
3. Gcina iakhawunti yakho isebenza. Ukuba utshintshela ukufumana umvuzo wakho kwenye ibhanki, kufuneka wazise iBBVA.
4. Gcina ubungqina bentlawulo yakho. Buyakunceda xa kuvela nayiphi na ingxaki.
5. Funda imiqathango yesivumelwano. Qinisekisa ukuba uyayiqonda imihla yokuhlawula, iikomishini neemeko.

La manyathelo okhuseleko aya kukunceda usebenzise imali-mboleko yakho ngenkathalo nangaphandle kweengxaki.

Ngamafutshane, ukucwangcisa ngaphambi kokuboleka yeyona ndlela ilungileyo yokunandipha iinzuzo zemali-mboleko yakho yomvuzo yeBBVA.

❓ Imibuzo edla ngokubuzwa ngemali-mboleko yomvuzo yeBBVA

Ndingayicela ukuba umvuzo wam ufakwa kwenye ibhanki?
Hayi, le mveliso yeyabo bafumana imivuzo yabo ngeBBVA kuphela.

Ndingaba nemali-mboleko engaphezu kwenye esebenzayo yeBBVA?
Ewe, ukuba nje uyakwazi ukuyihlawula.

Kuthatha ixesha elingakanani ukuvunywa?
Kwiimeko ezininzi, kuvunywa kwangoko.

Ngaba ndingayihlawula kwangaphambili?
Ewe, unokwenza iintlawulo ezongezelelekileyo okanye uyihlawule yonke imali-mboleko ngaphandle kwesohlwayo.

Ndingayijonga phi imali eseleyo neentlawulo zam?
Kwi-app okanye kwi-portal ethi www.bbva.mx, kwicandelo elithi Iikhredithi neemali-mboleko.