Iindlela zokufumana imali-mboleko kubantu abanembali yekhredithi eneengxaki eArgentina
EArgentina, abantu abaninzi bajamelene nobunzima bokufikelela kwiimali-mboleko kubantu abaneengxelo ezingentle kwiVeraz, ingakumbi ngenxa yokunyuka kwezinga lokungahlawulwa kwamatyala, elifikelele kwi-12% ngoNovemba 2025.
Imeko yezemali yabantu abanembali yekhredithi entsonkothileyo iba mandundu nangakumbi, njengoko kuqikelelwa ukuba phantse umntu omnye kwabane abanamatyala ejamelene neengxaki zokuhlawula iimali-mboleko zakhe.
Eli nqaku linika ulwazi oluxabisekileyo malunga neendlela zenkxaso-mali ezikhoyo kubantu abanembali embi yekhredithi, kuquka amaziko emali abolekisa ngemali, iimfuno ezifunekayo namacebiso asebenzayo okuphucula imeko yabo yekhredithi.
Amaziko emali abonelela ngeemali-mboleko kubantu abaneengxelo ezingentle kwiVeraz
EArgentina, ukufikelela kwiimali-mboleko kubantu abaneengxelo ezingentle kwiVeraz kunokuba ngumceli mngeni omkhulu, ingakumbi ngenxa yokuba izinga lokungahlawulwa kweemali-mboleko zobuqu lifikelele kwi-12% ngoNovemba 2025.
Nangona kunjalo, kukho amaziko emali ahlukeneyo akulungeleyo ukubonelela ngeendlela zenkxaso-mali kubantu abanembali yekhredithi entsonkothileyo.
Apha ngezantsi kuboniswa amanye ala maziko abonelela ngezisombululo ezifanelekileyo.
- Iibhanki zemveli ezibonelela ngeemveliso ezithile kubantu abaneerekhodi ezingentle.
- Amaziko emali angengowesiqhelo agxile ekuboneleleni ngeemali-mboleko kubantu abanembali embi yekhredithi.
Kubalulekile ukuba abafaki-zicelo baphande ngeendlela ezihambelana neemfuno zabo, bekwaqwalasela neemeko ezibonelelwayo.
Iindlela zenkxaso-mali ngaphandle kwembali yekhredithi ziya zisanda, nto leyo evumela abantu abaninzi ukuba bafumane uncedo lwezemali abaludingayo ukuze baqhubele phambili.
Iimfuno neemeko zokufumana ezi mali-mboleko
Ukufumana imali-mboleko kubantu abaneengxelo ezingentle kwiVeraz kunokuba ngumceli mngeni, kodwa kunokwenzeka ukuba kuhlangatyezwana neemfuno ezithile.
Apha ngezantsi kuchazwa amaxwebhu afunekayo neemeko ezidla ngokufunwa ngamaziko emali ukuze aboleke imali kubantu abanembali embi yekhredithi.
Amaxwebhu afunekayo
Amaxwebhu abalulekile xa ufaka isicelo semali-mboleko.
Ngokuqhelekileyo, amaziko afuna ukuqinisekisa ukuba ungubani umenzi-sicelo nemeko yakhe yezemali yangoku.
Apha ngezantsi kukho itheyibhile ebonisa amaxwebhu aqhelekileyo acelwa ngamaziko ahlukeneyo eArgentina:
| Iziko | Amaxwebhu afunekayo |
|---|---|
| Iibhanki zemveli | DNI, isiliphu somvuzo, nobungqina bendawo yokuhlala. |
| Amaziko emali angengowesiqhelo | DNI, iziliphu zomvuzo ezi-3 zokugqibela, neembekiselo zobuqu. |
Ngaphandle kwamaxwebhu, kubalulekile ukuqaphela ukuba iimeko zeemali-mboleko zinokwahluka ngokweziko.
Amanye anokubonelela ngenzala ephezulu ngenxa yomngcipheko ohambisana nembali yekhredithi entsonkothileyo.
Iimeko zeemali-mboleko
Iimeko zokufumana imali-mboleko xa unembali embi yekhredithi zidla ngokuba ngqongqo ngakumbi.
Amaziko asenokucela izibambiso ezongezelelweyo okanye abantu abaqinisekisa intlawulo ukuze aqinisekise ukuba imali-mboleko iya kuhlawulwa.
EArgentina, ukungena ematyaleni ngaphandle kwenkqubo yeebhanki kunyuke nge-140% kwisithuba esingaphantsi kweminyaka emibini, nto leyo ebonisa ukuba abantu bafuna ezinye iindlela zekhredithi ezifikeleleka lula.
Ngoko ke, kubalulekile ukuba abafaki-zicelo bakulungele ukuthethathethana baze babonise isizathu esiqinileyo esibonisa ukuba bayakwazi ukuhlawula, nangona benembali yekhredithi entsonkothileyo.
Oku kunokwandisa amathuba okufumana inkxaso-mali efunekayo.
Iingcebiso zokuphucula imbali yekhredithi
Ukuphucula imbali yekhredithi kubalulekile ukuze kufumaneke imali-mboleko kubantu abaneengxelo ezingentle kwiVeraz nezinye iindlela zekhredithi eArgentina.
Kukho iindlela ezininzi ezinokunceda abantu abakwimeko yemali enzima.
Apha ngezantsi kukho iingcebiso ezimbini ezibalulekileyo ezinokwenza umahluko ekubuyiseleni imbali entle yekhredithi.
Ukuhlawula amatyala ngexesha
Ukuhlawula ngomhla omiselweyo kubalulekile ekuphuculeni imbali yekhredithi.
Izinga lokungahlawulwa kweemali-mboleko zobuqu eArgentina lifikelele kwi-12%, nto leyo ebonisa ukubaluleka kokugcina irekhodi elihle leentlawulo.
Xa uhlawula ngexesha, amaziko emali aya kubona ukuzibophelela kwakho, kwaye kuya kuba lula ukufumana iimali-mboleko kwixesha elizayo xa unembali embi yekhredithi.
Ngokutsho kwengcali yezemali, «intlawulo nganye ehlawulwe ngexesha linyathelo eliya ekubuyiseleni imbali yekhredithi.» Ukugcina umkhondo wemihla yokugqibela yokuhlawula nokucwangcisa iintlawulo kunokunceda ukuthintela ezinye iingxaki.
Ukusebenzisa ikhredithi ngenkathalo
Ukusebenzisa ikhredithi ngenkathalo yenye indlela ebalulekileyo yokuphucula imbali yekhredithi.
Oku kuthetha ukungasebenzisi ngokugqithiseleyo umda okhoyo nokugcina ibhalansi esezantsi kumakhadi ekhredithi.
Ukwanda kwamatyala angaphandle kwenkqubo yeebhanki nge-140% kwisithuba esingaphantsi kweminyaka emibini kubonisa imfuneko yokusebenzisa ikhredithi ngengqiqo engakumbi.
Ukwamkela iindlela zokuziphatha kakuhle kwezemali akuncedi nje kuphela ekuphepheni amatyala agqithisileyo, kodwa kukwadala umfanekiso omhle emehlweni amaziko abolekisa ngemali, nto leyo eyenza kube lula ukufumana inkxaso-mali ngaphandle kwembali yekhredithi kwixesha elizayo.
Imingcipheko nezinto zokulumkela xa ufaka isicelo semali-mboleko unembali embi yekhredithi
Ukufaka isicelo semali-mboleko kubantu abaneengxelo ezingentle kwiVeraz kunokubonakala njengesisombululo esikhawulezayo kubantu abaneengxaki zemali, kodwa kubalulekile ukuyiqaphela imingcipheko ehambisana nako.
Izinga lokungahlawulwa kweemali-mboleko zobuqu eArgentina lifikelele kwi-12%, nto leyo ebonisa ukuba abantu abaninzi bakwiimeko ezinzima.
Apha ngezantsi kukho izinto zokulumkela xa ukhangela inkxaso-mali.
- Phanda ngenzala: Amaziko abonelela ngeemali-mboleko kubantu abanembali embi yekhredithi adla ngokuba nenzala ephezulu kakhulu.
- Lumkela izithembiso ezibonakala zilunge kakhulu: Ukuba isithembiso sibonakala siluncedo ngokugqithiseleyo, isenokuba luphawu lobuqhophololo.
- Funda izivumelwano ngenyameko: Kubalulekile ukuqonda yonke imiqathango neemeko ngaphambi kokutyikitya naluphi na uxwebhu.
- Ziphephe iimali-mboleko ezivela kubabolekisi abangekho phantsi kolawulo: Khetha amaziko emali agunyazisiweyo nanegama elihle.
Ngokuqwalasela ezi nkalo, kunokwenzeka ukuhamba ngokukhuselekileyo kwihlabathi leemali-mboleko zabantu abanembali embi yekhredithi.
Ukwenza izigqibo ezisekelwe kulwazi kunokunceda ukuphepha iingxaki zemali ezongezelelekileyo nokuqinisekisa amava okuboleka akhuselekileyo nathembekileyo.
Ukuya kwikamva lezemali elomeleleyo ngakumbi
Ukukhangela iindlela ezifanelekileyo kwimarike yezemali kubalulekile kubantu abajamelene nembali yekhredithi entsonkothileyo.
Kubalulekile ukwenza izigqibo ezisekelwe kulwazi nokuphonononga ezinye iindlela ezenza kube lula ukufumana inkxaso-mali, ngaloo ndlela kuphuculwe imeko yezemali yomntu.
Indlela eya kuqoqosho oluzinzileyo ngakumbi iqala ngamanyathelo okuqala, afana nokufuna iingcebiso nokusebenza ekulungiseni imbali yetyala.
Ngokuzimisela nezixhobo ezifanelekileyo, kunokwenzeka ukuguqula imeko enzima ibe ngamathuba okukhula.
Imibuzo Ebuzwa Rhoqo
Zeziphi iibhanki eziboleka abantu abanerekhodi yetyala elibi kwiVeraz?
EArgentina, ezinye iibhanki namaziko emali abhetyebhetye ngakumbi xa enika imali-mboleko kubantu abanerekhodi yetyala elibi kwiVeraz.
Amaziko afana neBanco Ciudad kunye nemibutho ethile yentsebenziswano yezemali abonelela ngeendlela kubantu abanembali yetyala enzima, nangona ngokuqhelekileyo efuna isibambiso esongezelelweyo okanye umqinisekisi.
Ndingayiphucula njani imbali yam yetyala eArgentina?
Ukuphucula imbali yetyala kufuna indlela yokuthatha amanyathelo, njengokuhlawula amatyala ngexesha nokunciphisa iimali ezisaseleyo.
Ukongeza, kuyacetyiswa ukuba ujongisise rhoqo ingxelo yakho yetyala uze ulungise iimpazamo ezinokuchaphazela kakubi amanqaku akho etyala.
Ngaba kukhuselekile ukufaka isicelo semali-mboleko kwi-intanethi xa unembali yetyala embi?
Ukufaka isicelo semali-mboleko kubantu abanerekhodi yetyala elibi kwiVeraz nge-intanethi kunokubandakanya imingcipheko ethile, ingakumbi xa usenza oko kumaziko angathembekanga.
Kubalulekile ukuphanda ngegama lombolekisi nokuqinisekisa ukuba iqonga likhuselwe kwaye linika izivumelwano ezicacileyo.
Ziziphi iimfuno zokufumana imali-mboleko xa unerekhodi elibi kwiVeraz?
Iimfuno zokufumana imali-mboleko xa unerekhodi elingalunganga kwiVeraz zinokwahluka ngokweziko, kodwa ngokuqhelekileyo ziquka ukungenisa amaxwebhu obuqu kunye nobungqina bengeniso.
Amanye amaziko asenokucela nesibambiso okanye umntu oza kusayina kunye nomboleki ukuze anciphise umngcipheko wokusilela ukuhlawula.
Ziziphi ezinye iindlela ezikhoyo kubantu abangafikeleliyo kwiimfuno zeebhanki eziqhelekileyo?
Abantu abangafikeleliyo kwiimfuno zeebhanki eziqhelekileyo banokuphonononga iindlela ezifana nemali-mboleko phakathi kwabantu okanye amaziko emali-mboleko encinane.
Ezi ndlela zidla ngokuba neemfuno ezingqongqo kangako, nangona zinokuhamba nenzala ephezulu.
