Iimfuno zemali-mboleko yobuqu yeBBVA México

Ukufaka isicelo semali-mboleko yobuqu ye-BBVA México lolona khetho lufanelekileyo kwabo bafuna ukufumana imali ngokukhawuleza, nokuba yeyokuhlawula iindleko ezingalindelekanga, ukutyala imali kwiprojekthi okanye ukudibanisa amatyala.

Nangona kunjalo, ngaphambi kokuqala inkqubo, kubalulekile ukwazi iimfuno nemiqathango efunwa yibhanki ukuze ivume imali-mboleko.

Kwesi sikhokelo uza kufumana zonke iinkcukacha ezimalunga nokuba ngubani onokufaka isicelo, ngawaphi amaxwebhu afunekayo nemigaqo esetyenziswa yi-BBVA ukuvavanya isicelo sakho.

👤 Iimfuno zokufaneleka zokufaka isicelo semali-mboleko yobuqu ye-BBVA

I-BBVA México imisela imigaqo esisiseko yokuqinisekisa ukuba abafaki-zicelo bazinzile ngokwezemali kwaye banako ukuhlawula.

Ezi mfuno zibalulekile ukuze kuqalwe nayiphi na inkqubo yesicelo.

1. Ukuba ngumntu ngamnye okanye umntu oqhuba ishishini.
   Imali-mboleko ifumaneka kubasebenzi nakwabo bazisebenzelayo.
2. Ukuba neminyaka ephakathi kwe-18 ne-84.
   Ubude beminyaka obuphezulu, xa kudityaniswa nexesha lemali-mboleko, abufanele budlule kwiminyaka eyi-84 neentsuku eziyi-364.
3. Ukuba neakhawunti ye-BBVA.
   Kufuneka ube neakhawunti yedipozithi okanye ye-payroll esebenzayo kwi-BBVA México.
4. Ubungqina bengeniso.
   Ngenisa iirisithi ezintathu zokugqibela zomvuzo okanye iingxelo zeakhawunti yebhanki.
5. Imbali entle yetyala.
   I-BBVA ijonga i-Buró de Crédito ukuze ihlole indlela umenzi-sicelo aziphethe ngayo ngokwezemali.

Ukuzalisekisa le migaqo kwandisa amathuba okufumana imvume ngokukhawuleza kunye nexabiso lenzala elisezantsi.

Ngamafutshane, ezi mfuno ziqinisekisa ukuba imali-mboleko inikwa ngendlela enoxanduva, ehambelana neprofayile yakho yezemali.

📄 Amaxwebhu afunekayo ukuze ufake isicelo semali-mboleko

Ukongeza kwiimfuno ngokubanzi, kubalulekile ukungenisa amaxwebhu athile asemthethweni ukuze ugqibezele isicelo.

La maxwebhu anceda ukuqinisekisa ukuba ungubani, indawo ohlala kuyo kunye nokukwazi kwakho ukuhlawula.

1. Isazisi esisemthethweni esisasebenzayo (INE okanye ipasipoti).
2. Ubungqina bendawo yokuhlala. Isenokuba yirisithi yombane, yamanzi okanye yomnxeba enomhla ongadlulanga kwiinyanga ezi-3.
3. Ubungqina bengeniso. Iirisithi ezintathu zokugqibela zomvuzo okanye isibhengezo serhafu ukuba uyazisebenzela.
4. Ingxelo yeakhawunti yebhanki. Kufuneka ibonise iintshukumo zakutshanje.
5. Isicelo semali-mboleko esityikityiweyo. Olu xwebhu lwenziwa ngokwedijithali xa ugqibezela inkqubo kwi-intanethi okanye kwisebe.

La maxwebhu kufuneka abe ehlaziyiwe kwaye iinkcukacha zawo zihambelane, kuba nakuphi na ukungangqinelani kunokulibazisa imvume.

Ngamafutshane, ukulungisa onke amaxwebhu kwangaphambili kuyayikhawulezisa inkqubo kwaye kwakha ukuthembana nebhanki.

⚙️ Imigaqo esetyenziswa yi-BBVA ekuvavanyeni isicelo

I-BBVA México ayiqinisekisi amaxwebhu kuphela, ikwahlalutya izinto ezahlukeneyo ukuze imisele ukuba imali-mboleko inokwenzeka na ize ichaze nexabiso lenzala elifanelekileyo.

1. Imbali yetyala. Ukuziphatha kakuhle kwiimali-mboleko zangaphambili kuyawuphucula amanqaku akho.
2. Umlinganiselo wetyala nengeniso. Ibhanki ihlola ukuba amatyala akho akagqithi kwi-30 % yomvuzo wakho wenyanga.
3. Ixesha osebenze ngalo okanye oqhube ishishini ngalo. Okukhona uzinze ixesha elide, kokukhona luya kuba ngcono uvavanyo lwakho.
4. Isixa osicelayo nexesha olikhethileyo lokubuyisa imali. Zombini ezi zinto zichaphazela ixabiso lokugqibela lenzala kunye nesixa esivunyiweyo.
5. Amandla okuhlawula ngenyanga. Abalwa ngokwengxelo yakho yengeniso eshiyekileyo neendleko ezizinzileyo.

Nganye kwezi zinto inceda ibhanki ukuba ikunike imiqathango elungiselelwe wena ize iqinisekise ukuba imali-mboleko ihambelana namandla akho okwenene.

Ngamafutshane, i-BBVA ijolise ekulinganiseni umngcipheko nenzuzo, inika ikhredithi kuphela kwabo banokuyihlawula ngaphandle kokubeka emngciphekweni uzinzo lwabo lwezemali.

💡 Iingcebiso zokuhlangabezana neemfuno ngaphandle kweempazamo

Ukuhlangabezana neemfuno akuxhomekekanga kumaxwebhu kuphela, kodwa kuxhomekeke nakumalungiselelo angaphambili omfaki-sicelo.

Nazi ezinye iingcebiso zokunceda ukuba isicelo sakho siphumelele:

1. Jonga imbali yakho kwi-Buró de Crédito. Ukuba unentlawulo ezilibazisekileyo, zilungise ngaphambi kokufaka isicelo.
2. Bala amandla akho okuhlawula. Sebenzisa isixhobo sokulinganisa se-BBVA ku-www.bbva.mx ukuze wazi izavenge eziqikelelweyo.
3. Musa ukucela imali engaphezulu kunaleyo uyidingayo. Isixa esingekho sikhulu sonyusa amathuba akho okuvunywa.
4. Gcina iinkcukacha zakho zihlaziyiwe. I-BBVA iqinisekisa iinkcukacha ngexesha lokwenene.
5. Qokelela onke amaxwebhu kwangaphambili. Oku kuya kukunceda uphephe ukulibaziseka kuvavanyo.

Ukulandela la manyathelo kubonisa ukuba unoxanduva lwezemali kwaye kushiya umbono ongcono ebhankini.

Ngamafutshane, ukulungiselela isicelo sakho kwangethuba yeyona ndlela ilungileyo yokufumana imali-mboleko yakho ngaphandle kweengxaki.

📞 Apho unokufaka khona isicelo uze uqinisekise iimfuno

Wakuba uhlangabezene nazo zonke iimfuno, ungaqalisa inkqubo yakho ngeendlela ezisemthethweni ze-BBVA México:

• Iwebhusayithi: www.bbva.mx
• I-app ye-BBVA México: iyafumaneka kwi-Android nakwi-iOS
• Ifowuni yeLínea BBVA: 55 52 26 26 63 (CDMX)
• Kwezinye iindawo zeRiphabliki: 800 522 6263
• Amasebe e-BBVA: uncedo lomntu nomntu kwilizwe lonke

Ezi ndlela zikuvumela ukuba ujonge iimfuno ezihlaziyiweyo, uqinisekise amaxabiso enzala uze ufake isicelo ngokukhuselekileyo.

Ngamafutshane, i-BBVA ibonelela ngeendlela ezininzi zokuqalisa ukufaka isicelo sekhredithi, ibeka phambili ukulungela, isantya nenkonzo eyenzelwe umntu ngamnye.

❓ Imibuzo edla ngokubuzwa ngeemfuno zemali-mboleko yobuqu ye-BBVA

Ndingenza isicelo semali-mboleko ukuba andinayo iakhawunti ye-BBVA?
Ewe, kodwa kuya kufuneka uvule iakhawunti ukuze ufumane imali yekhredithi.

Ngaba kunyanzelekile ukuba umvuzo wam ufakwe kwi-BBVA?
Hayi, nangona ukuba ufakwa apho kusenokwenza kube lula ukuvunywa kuze kuphucuke nemiqathango.

Kwenzeka ntoni ukuba ndinembali embi yekhredithi?
Kusenokwenzeka ukuba imali-mboleko ingavunywa, okanye inikwe ngexabiso lenzala eliphezulu.

Ngaba ndingafaka isicelo ukuba ndingowasemzini?
Ewe, ukuba nje unendawo yokuhlala esemthethweni kunye noxwebhu olusebenzayo olungqina imeko yakho yokufudukela kwelinye ilizwe.

Inkqubo yokuvunywa ithatha ixesha elingakanani?
Ukuba ungumthengi we-BBVA, inokuvunywa ngemizuzu; kwezinye iimeko, ithatha ukuya kutsho kwiiyure ezingama-48.