Iimali-mboleko ezikhawulezayo eArgentina: Iindlela nezinto ekufuneka uziqwalasele
EArgentina, imali-mboleko ekhawulezayo eArgentina iye yaba sisisombululo esibalulekileyo kubantu abaninzi abajamelene neemeko zikaxakeka zemali.
Njengoko amazinga enzala kwiintsapho enokufikelela kwi-70% yaye phantse isiqingatha samakhaya sinamatyala, imfuneko yokufumana inkxaso-mali ngokukhawuleza iye yangxamiseka.
Eli nqaku linika uhlalutyo olunzulu ngeendlela ezahlukeneyo zeemali-mboleko ezikhawulezayo ezikhoyo, iimfuno zokuzicela nezinto ekufuneka abafaki-zicelo bazithathele ingqalelo ukuze baphephe iingxaki zemali.
Iindlela ezikhoyo zokufumana imali-mboleko ekhawulezayo eArgentina
EArgentina, kukho amaqonga ahlukeneyo abonelela ngeemali-mboleko ezikhawulezayo ukuze ahlangabezane neemfuno ezingxamisekileyo zemali zabemi.
Ezi ndlela zinokwahluka ngokwezixa-mali, amaxesha okuhlawula nemiqathango, nto leyo evumela umntu ngamnye ukuba akhethe eyona ifanele imeko yakhe.
Apha ngezantsi kukho amanye amaqonga abalaseleyo kunye neentlobo zeemali-mboleko azinikezelayo.
- Zaga: Ivumela abantu ukuba bafumane imali-mboleko yobuqu efikelela kwi-$3.000.000, evunywa ngoko nangoko ize imali ikhutshwe ngaphantsi kweeyure ezingama-24.
- Creditea: Inikezela ngeemali-mboleko ezikhawulezayo kwi-intanethi, ngenkqubo eyenziwe yalula nangonxibelelwano olukhawulezileyo.
- Vivus: Igxile kwinkxaso-mali ekhawulezileyo, yaye yenza kube lula nokukhawuleza ukufaka izicelo.
La maqonga zimbalwa kuphela kwiindlela ezikhoyo zokufumana inkxaso-mali ekhawulezileyo.
Xa ucinga ngokuthatha imali-mboleko ekhawulezayo, kubalulekile ukuvavanya kungekuphela nje amazinga enzala, kodwa nemiqathango ukuze uphephe izinto ezingalindelekanga ongazifuniyo.
Ukufumana ulwazi olufanelekileyo kunokwenza umahluko kumava omfaki-sicelo.
Iimfuno nenkqubo yokufaka isicelo semali-mboleko ekhawulezayo
Ukuze ufake isicelo semali-mboleko ekhawulezayo eArgentina, kubalulekile ukwazi iimfuno ezifunekayo nokulandela inkqubo efanelekileyo.
Iqonga ngalinye lisenokuba neemfuno ezahlukileyo, kodwa kukho izinto ezifanayo ekufuneka abafaki-zicelo bazifezekise ukuze bafumane inkxaso-mali ngokukhawuleza.
Amaxwebhu afunekayo
Amaxwebhu afunekayo adla ngokuquka iinkcukacha zobuqu nezemali.
Apha ngezantsi kukho itheyibhile ebonisa ezona mfuno zixhaphakileyo zokufumana imali-mboleko ekhawulezayo eArgentina.
| Uxwebhu | Inkcazelo |
|---|---|
| DNI | Uxwebhu lweSazisi seSizwe olusetyenziselwa ukuqinisekisa ukuba ungubani. |
| Ubungqina bengeniso | Isiliphu somvuzo okanye isibhengezo serhafu esingqina ingeniso. |
| Ingxelo yamatyala | Ingxelo yamatyala angaphambili, ukuba akhona. |
Ukuqokelela la maxwebhu kwenza inkqubo yokuvunywa ibe lula.
Enye ingxelo ithi i-47,9% yamakhaya aseArgentina inetyala lebhanki, nto leyo ebonisa ukubaluleka kokungenisa iinkcukacha ezicacileyo nezichanekileyo.
Amanyathelo okufaka isicelo
Inkqubo yokufaka isicelo semali-mboleko ekhawulezayo ilula kwaye idla ngokuba namanyathelo ambalwa asisiseko.
Okokuqala, kufuneka ungene kwiqonga olikhethileyo uze ugcwalise ifomu yesicelo ekwi-intanethi.
Emva koko, kufuneka uqhoboshele amaxwebhu afunekayo, uze ulinde ukuvunywa, okuqhele ukwenzeka ngokukhawuleza.
Emva kokuba isicelo sivunyiwe, imali inokufakwa kwisithuba esingaphantsi kweeyure ezingama-24, nto leyo elungele abo bafuna inkxaso-mali ekhawulezileyo.
Kubalulekile ukulandela ngalinye kula manyathelo ukuze kuqinisekiswe ukuba isicelo siphumelela.
Amazinga enzala neendleko ezinxulumene nazo
Amazinga enzala yinto ebalulekileyo ekufuneka iqwalaselwe ngabafaki-zicelo bemali-mboleko ekhawulezayo eArgentina ngaphambi kokuba benze isigqibo.
Amazinga enzala kwimali-mboleko ejoliswe kwiintsapho anokudlula kwi-70%, nto leyo enokunyusa kakhulu isixa-mali esipheleleyo esiza kubuyiswa.
Kwelinye icala, kumashishini, amazinga enzala ahlala emalunga ne-37%, nto leyo ebonisa umahluko omkhulu ekufumaneni inkxaso-mali ekhawulezileyo.
Amazinga enzala kwiintsapho nakumashishini
Kwimeko yezoqoqosho ekhoyo eArgentina, iintsapho ezininzi zijamelana nobunzima bokulawula amatyala azo.
Ngokutsho kwengcali yezemali, «izinga eliphezulu lenzala liye laba ngumqobo ekubuyiseleni uqoqosho lwamakhaya» — (Umthombo: Ingxelo yezoQoqosho).
Le meko ibonisa imfuneko yokuhlalutya yonke into ngocoselelo ngaphambi kokufaka isicelo semali-mboleko ekhawulezayo.
Iindleko ezifihlakeleyo
Ukongezelela kumazinga enzala, abafaki-zicelo kufuneka bazilumkele iindleko ezifihlakeleyo ezinxulumene nezi mali-mboleko.
Amaqonga amaninzi abiza imirhumo eyongezelelweyo enokwahluka ngokwesixa-mali esiceliweyo nexesha lokuhlawula.
Ukuziqonda ezi ndleko kubalulekile ukuze uphephe izinto ezothusayo xa uhlawula ityala, kuze kuqinisekiswe ukuba imali ilawulwa ngenkathalo.
Imingcipheko nezinto ekufuneka ziqwalaselwe xa ufaka isicelo semali-mboleko ekhawulezayo
Ukufaka isicelo semali-mboleko ekhawulezayo eArgentina kunokuba sisisombululo esikhawulezileyo, kodwa kukwakho nemingcipheko ekufuneka abafaki-zicelo bayiqwalasele.
Enye yeengozi eziphambili kukusilela ukuhlawula ngexesha, nto leyo enokukhokelela kumatyala aqhubeka esanda kube nzima ukuwalawula, ngakumbi xa kuqwalaselwa ukuba i-47,9% yamakhaya aseArgentina sele enamatyala ebhanki.
Imingcipheko yokusilela ukuhlawula ngexesha
Ukusilela ukuhlawula ngexesha ngumngcipheko wokwenene kwabo bangavavanyi ngokufanelekileyo amandla abo okuhlawula.
Kubalulekile ukuba abafaki-zicelo baqonde ukuba amazinga enzala kwimali-mboleko yeentsapho anokudlula kwi-70%, nto leyo enokwenza ityala elincinane libe ngumthwalo omkhulu wemali.
Ngoko ke, kubalulekile ukuba abafaki-zicelo baqwalasele imeko yabo yezoqoqosho yangoku ngaphambi kokuba bazibophelele.
Iingcebiso zokuphepha iingxaki zemali
Ukuze ulawule imali-mboleko ekhawulezayo ngenkathalo, kuyacetyiswa ukuba ulandele imigaqo ethile. Nazi ezinye iingcebiso eziluncedo:
- Vavanya amandla akho okuhlawula ngaphambi kokufaka isicelo semali-mboleko.
- Thelekisa izibonelelo ezahlukeneyo ukuze ufumane awona mazinga enzala afanelekileyo.
- Funda yonke imiqathango namazinga ongezelelweyo anokusebenza.
Ukusebenzisa ezi ngcebiso kunokunceda ekunciphiseni imingcipheko nasekuqinisekiseni ukuba imali-mboleko ayibi ngumthwalo wemali.
Ngolwazi olufanelekileyo nangocwangciso olunenkathalo, kunokwenzeka ukufumana inkxaso-mali ekhawulezileyo ngaphandle kokubeka emngciphekweni uzinzo lwezemali lomntu.
Iingcamango zokugqibela ngemali-mboleko ekhawulezayo
Kubalulekile ukuba abafaki-zicelo beemali-mboleko ezikhawulezayo eArgentina bafumane ulwazi olufanelekileyo ngaphambi kokwenza izigqibo zemali.
Kukho iindlela ezininzi ezahlukeneyo, ngoko kubalulekile ukuzithelekisa nokuqonda imiqathango ukuze uphephe iingxaki kwixesha elizayo.
Ukuqwalasela zonke iinkalo zemali-mboleko kunokwenza umahluko kuzinzo lwezemali.
Ukwenza izigqibo ezisekelwe kulwazi kuya kunceda abafaki-zicelo bakhethe eyona ndlela ihambelana neemfuno zabo.
Imibuzo Ebuzwa Rhoqo
Ungayifumana njani imali-mboleko ekhawulezayo eArgentina?
Ukuze bafumane imali-mboleko ekhawulezayo eArgentina, abo banomdla kufuneka bakhangele amaziko emali abonelela ngale nkonzo.
Kuyacetyiswa ukuba uthelekise iindlela ezahlukeneyo uze ufunde imiqathango ngaphambi kokufaka isicelo, kuba iziko ngalinye lisenokuba neenkqubo namaxesha ahlukileyo.
Ziziphi iimfuno zokufumana imali-mboleko ekhawulezayo?
Iimfuno zokufaka isicelo semali-mboleko ekhawulezayo zidla ngokuquka isazisi esisemthethweni, ubungqina bengeniso yaye, kwezinye iimeko, imbali entle yokusetyenziswa kwetyala.
Amanye amaqonga asenokufuna nezinye iinkcukacha, ezifana nemeko yengqesho neereferensi zobuqu.
Ngawaphi amazinga enzala asebenza kwimali-mboleko ekhawulezayo?
Amazinga enzala emali-mboleko ekhawulezayo eArgentina ahluka kakhulu ngokweziko nangobume bomfaki-sicelo.
Kuqhelekile ukuba la mazinga abe phezulu kunalawo emali-mboleko eqhelekileyo, ngoko kubalulekile ukuhlalutya ngocoselelo ngaphambi kokwamkela nasiphi na isibonelelo.
Ngaba kukhuselekile ukufaka isicelo semali-mboleko ekhawulezayo kwi-intanethi?
Ukucela iimali-mboleko ezikhawulezayo kwi-intanethi kungakhuseleka, ukuba nje kusetyenziswa amaqonga athembekileyo nasele ezinzile.
Abasebenzisi kufuneka baqinisekise ukuba iwebhusayithi inamanyathelo okhuseleko afana nokufihlwa kwedatha nemigaqo-nkqubo yobumfihlo ecacileyo ngaphambi kokuba banikezele ngolwazi lobuqu.
Kuthatha ixesha elingakanani ukuvunywa kwemali-mboleko ekhawulezayo?
Ixesha elithathwayo ukuze kuvunywe imali-mboleko ekhawulezayo linokwahluka, kodwa ngokuqhelekileyo unokulindela impendulo kwiiyure ezimbalwa okanye kwiintsuku ezimbalwa.
Abanye ababoneleli banikezela ngezigqibo zokuvuma kwangoko, ngoxa abanye benokufuna uhlalutyo olunzulu ngakumbi, nto leyo enokulibazisa inkqubo.
