Fumanisa indlela yokufaka isicelo semali-mboleko kwi-intanethi eArgentina, inyathelo ngalinye
Ukucela imali-mboleko kwi-intanethi eArgentina kunokuba yinkqubo enzima, ngakumbi kwabo bangazaziyo iimfuno namanyathelo afunekayo.
Abemi abaninzi bajamelana nobunzima bokufumana inkxaso-mali ekhawulezayo nesebenzayo, nto leyo ebenza bafune ulwazi olucacileyo nolufutshane ngendlela yokufikelela kwiimali-mboleko zobuqu kwi-intanethi ezihambelana neemfuno zabo.
Eli nqaku linika isikhokelo esineenkcukacha ngendlela echanekileyo yokucela iimali-mboleko zobuqu kwi-intanethi, kuquka iimfuno ngokubanzi, amanyathelo ekufuneka elandelwe nokuthelekiswa kwamaziko emali ahlukeneyo, afana ne-BBVA ne-Ualá, ukuze kube lula ukwenza esona sigqibo sifanelekileyo.
Iimfuno ngokubanzi zokucela imali-mboleko kwi-intanethi
Ngaphambi kokuba ufake isicelo semali-mboleko kwi-intanethi eArgentina, kubalulekile ukwazi iimfuno ekufuneka kuhlangatyezwane nazo.
Ezi mfuno ziyahluka ngokweziko lezemali, kodwa kukho amaxwebhu nemigaqo ethile eqhelekileyo eyenza inkqubo ibe lula.
Apha ngezantsi kudweliswe iinkcukacha ezifunekayo ngokubanzi ukuze umntu afumane imali-mboleko yobuqu kwi-intanethi.
Amaxwebhu afunekayo
Ukulungiselela amaxwebhu yenye yezona zinto zibalulekileyo xa kucelwa iimali-mboleko zobuqu kwi-intanethi.
Ababolekisi badla ngokufuna amaxwebhu athile ukuze baqinisekise ukuba ngubani na ofaka isicelo kunye nemeko yakhe yemali.
Amaxwebhu aqhelekileyo aquka la alandelayo:
- I-DNI okanye uxwebhu lwesazisi olusebenzayo
- Ubungqina bengeniso (iziliphu zemivuzo, izibhengezo zerhafu)
- Iingxelo zebhanki zakutshanje
- Ulwazi ngamatyala okanye imali-mboleko esele ikhona
Ukuba namaxwebhu afanelekileyo kubalulekile ukuze inkqubo yokuvunywa ikhawuleze.
Ukuba nawo onke amaxwebhu alungile akuncedi nje kuphela ekwenzeni isicelo sibe lula, kodwa kunokwandisa namathuba okufumana amazinga enzala angcono kwiimali-mboleko zobuqu.
Iimfuno zemali
Ngaphandle kwamaxwebhu, iimfuno zemali zibaluleke ngokulinganayo.
Ababolekisi badla ngokuvavanya imeko yezoqoqosho yomfaki-sicelo ngaphambi kokuba banike imali-mboleko.
Ukucela imali-mboleko, kubalulekile ukuhlangabezana nemigaqo efana nokukwazi ukuyibuyisa kunye nembali yetyala.
Ngokubanzi, kulindeleke ukuba abafaki-zicelo babe nomvuzo oqhelekileyo nozinzileyo obenza bakwazi ukuhlawula izavenge zemali-mboleko.
Ngokomzekelo, iBanco de la Nación Argentina ibonelela ngeemali-mboleko zeenkonzo zokhenketho ezifikelela kwi-$5.000.000 nezinexesha lokuhlawulwa elifikelela kwiinyanga ezili-18, nto leyo ebonisa ukubaluleka kokubonisa ukuba imeko yemali ilungile.
Amanyathelo aneenkcukacha okugcwalisa isicelo
Ukugcwalisa isicelo semali-mboleko kwi-intanethi eArgentina kunokubonakala kunzima, kodwa ukulandela amanyathelo acacileyo kwenza inkqubo ibe lula.
Kubalulekile ukuqonda inqanaba ngalinye ukuze kuqinisekiswe ukuba zonke iimfuno ziyafezekiswa kuze kufunyanwe imvume elindelweyo.
Apha ngezantsi kuchazwe amanyathelo afunekayo okufaka isicelo ngendlela esebenzayo.
Inkqubo yokufaka isicelo
Inyathelo lokuqala kwinkqubo yokufaka isicelo kukukhetha iziko lezemali.
Ibhanki nganye okanye umbolekisi ngamnye uneemfuno nemiqathango yakhe.
Umzekelo, i-BBVA ibonelela ngeemali-mboleko zobuqu kwi-intanethi ezifikelela kwi-$40.000.000, ngoxa i-Ualá ivumela ukufaka izicelo zeemali-mboleko ezifakwa ngoko nangoko kwi-akhawunti yomsebenzisi.
Emva kokukhetha iziko, kufuneka kugcwaliswe ifomu ekwi-intanethi ngolwazi olufunekayo.
Kubalulekile ukunikezela ngedatha echanekileyo necacileyo, kuba nayiphi na impazamo inokulibazisa ukuvunywa.
Emva kokuthumela isicelo, iziko liya kuqalisa ukuvavanya iinkcukacha ezinikiweyo.
Le tshati ilandelayo ishwankathela le nkqubo kunye namaxesha aqikelelweyo.
| Inqanaba | Inkcazelo | Ixesha eliqikelelweyo |
|---|---|---|
| Isicelo | Gcwalisa ifomu ekwi-intanethi uze uthumele amaxwebhu. | 5 ukuya kwi-10 imizuzu |
| Uvavanyo | Uphononongo lolwazi nohlalutyo lwetyala. | Iiyure ezingama-24 ukuya kwezingama-48 |
| Ukuvunywa nokukhutshwa kwemali | Ukuqinisekiswa nokudluliselwa kwemali kwi-akhawunti. | Ngoko nangoko ukuya kwiiyure ezingama-48 |
Ukuvunywa nokukhutshwa kwemali
Emva kokuba iziko livavanye isicelo namaxwebhu, kuya kuthunyelwa isaziso malunga nokuvunywa kwemali-mboleko.
Kubalulekile ukujonga ii-imeyile nemiyalezo ebhaliweyo, kuba amaxesha amaninzi unxibelelwano lwenziwa ngale ndlela.
Ukuba isicelo sivunyiwe, imali idla ngokukhutshwa ngokukhawuleza, ngakumbi kumaqonga afana ne-Ualá, apho imali ifakwa ngoko nangoko.
Ukuqukumbela, ukulandela la manyathelo nokuqonda inkqubo yokucela imali-mboleko kwi-intanethi kubalulekile ukuze kufunyanwe inkxaso-mali ngendlela esebenzayo.
Ngolwazi oluchanekileyo nokulawula ixesha kakuhle, umntu unokufumana iziphumo ezintle ekufuneni iimali-mboleko zobuqu kwi-intanethi.
Ukuthelekisa iinketho zamaziko emali ahlukeneyo
EArgentina, kukho iindlela ezininzi zokucela imali-mboleko kwi-intanethi, nganye ineempawu neenzuzo zayo.
Ukuthelekisa izibonelelo zamaziko emali kubalulekile ukuze kufunyanwe isisombululo esihambelana kakuhle neemfuno zomfaki-sicelo.
Apha ngezantsi kuboniswa iindlela ezimbini eziphambili ezikhoyo kwimarike.
BBVA
BBVA igqame ngokubonelela ngeemali-mboleko zobuqu kwi-intanethi ezifikelela kwi$40.000.000 namaxesha okuhlawula anokufikelela kwiiinyanga ezingama-72.
Oku kuguquguquka kuvumela abasebenzisi ukuba bakhethe isicwangciso sokuhlawula esihambelana namandla abo emali.
Ukongeza, inkqubo yokufaka isicelo iyakhawuleza kwaye ilula, nto leyo eyenza kube lula ukufumana imali-mboleko ekhawulezayo eArgentina.
Ingcali kwezemali ithi:
«BBVA yenye yezona ndlela zithembekileyo kwabo bafuna ukufumana imali-mboleko ekhawulezayo nekhuselekileyo.»
Olu luvo lugxininisa isidima esihle seziko ekulawuleni iimali-mboleko zobuqu ezifakwa kwi-intanethi.
Ualá
Kwelinye icala, i-Ualá inika ithuba lokufaka izicelo zeemali-mboleko ize imali ifakwe ngoko nangoko kwiakhawunti yomsebenzisi.
Le nto inomtsalane ngakumbi kwabo bafuna ukufikelela ngokukhawuleza kwimali.
Eli qonga lijolise ekunikeni abasebenzisi amava alula nasebenzayo, nto leyo elenza libe lukhetho olulungele abo bafuna ukufaka isicelo semali-mboleko nge-intanethi.
Ukuvavanya ezi nkonzo kuvumela abafaka izicelo ukuba benze izigqibo benolwazi, bethathela ingqalelo amaxabiso enzala kunye namaxesha okubuyisa imali-mboleko.
Ngoko ke, ukukhetha ukhetho olufanelekileyo kunokwenza umahluko kumava nakukwaneliseka komthengi.
Iingcebiso zokwandisa amathuba okuvunywa nokufumana imiqathango engcono
Ukuze wandise amathuba akho okuvunywa xa ufaka isicelo semali-mboleko kwi-intanethi eArgentina, kubalulekile ukulandela iingcebiso ezithile ezisebenzayo.
Ezi ngcebiso ziyilelwe ukunceda abafaka izicelo ukuba bangenise izicelo ezomeleleyo nezithandekayo kumaziko emali.
- Ukuphucula imbali yetyala: Ukugcina imbali entle yokuhlawula nokunciphisa amatyala angaphambili kunokunyusa amanqaku etyala, nto leyo enokukhokelela kwiimeko ezingcono zemali-mboleko.
- Ukukhetha isixa esifanelekileyo: Kubalulekile ukucela isixa esihambelana neemfuno zakho zokwenene nesinokuhlawulwa ngaphandle kobunzima, ukuze uphephe iingxaki kwixesha elizayo.
Ukusebenzisa ezi ngcebiso kunokwenza umahluko xa ufaka isicelo semali-mboleko nge-intanethi.
Ukuba nembali yetyala esempilweni nokukhetha ngononophelo isixa semali-mboleko kukunceda ukuba ufumane iimali-mboleko zobuqu kwi-intanethi ezinamaxabiso enzala angcono kwanemiqathango evumelana ngakumbi, njengamaxesha amade okuhlawula.
Indlela eya kwinkxaso-mali efikelelekayo
Ukuqonda inkqubo yokufaka isicelo semali-mboleko kwi-intanethi eArgentina kubalulekile kwabo bafuna izisombululo zemali.
Ukwazi amanyathelo neemfuno kuqinisekisa ukuba inkqubo ihamba kakuhle kwaye ikhuselekile, nto leyo evumela abantu abaninzi ukuba bafumane inkxaso-mali abayidingayo.
Inyathelo elilandelayo kukuphanda ngeendlela ezikhoyo uze ukhethe eyona ihambelana neemfuno zakho, uqinisekise ukuba isigqibo ngasinye sisekelwe kulwazi olucacileyo noluchanekileyo ukuze ube nekamva lezemali elizinzileyo.
Imibuzo Ebuzwa Rhoqo
Zithini iimfuno zokufaka isicelo semali-mboleko kwi-intanethi eArgentina?
Ukuze ufake isicelo semali-mboleko kwi-intanethi eArgentina, kufuneka ube neminyaka engaphezu kwe-18 ubudala, ube nengeniso enokuqinisekiswa kwaye ube nesazisi esisemthethweni esisasebenzayo.
Ukongeza, amanye amaziko anokufuna imbali yetyala entle nokuba umenzi-sicelo abe ngumhlali welizwe.
Sifakwa njani isicelo semali-mboleko yobuqu kwaBBVA?
Inkqubo yokufaka isicelo semali-mboleko yobuqu kwaBBVA ilula kwaye iqhutywa ikakhulu kwiqonga layo le-intanethi.
Abasebenzisi kufuneka bangene kwiwebhusayithi yayo, babhalise ukuba ngabasebenzisi abatsha baze balandele imiyalelo ekwifomu yesicelo, apho kuya kufuneka bafake iinkcukacha zabo zobuqu nezemali.
Ngawaphi amaxwebhu endiwadingayo ukuze ndicele imali-mboleko e-Ualá?
Xa ucela imali-mboleko e-Ualá, kubalulekile ukubonisa i-DNI okanye esinye isazisi esisemthethweni, kunye nobungqina bengeniso eqhelekileyo.
Kuxhomekeke kwisixa esiceliweyo, i-Ualá isenokufuna amanye amaxwebhu ukuze iqinisekise ukuba umenzi-sicelo uyakwazi ukuyihlawula.
Kuthatha ixesha elingakanani ukuvunywa kwemali-mboleko ye-intanethi?
Ngokuqhelekileyo, ukuvunywa kwemali-mboleko ye-intanethi kunokuthatha ukusuka kwimizuzu embalwa ukuya kwiiyure ezingama-48, kuxhomekeke kwiziko.
Izinto ezifana nokuqinisekiswa kwamaxwebhu kunye nenani lezicelo ezingenisiweyo zinokuchaphazela eli xesha, ngoko kuyacetyiswa ukuba ubuze kumboneleli ngamnye.
Ngaba kukhuselekile ukufaka isicelo semali-mboleko yobuqu nge-intanethi?
Ukufaka isicelo seemali-mboleko zobuqu nge-intanethi kunokukhuseleka xa kusetyenziswa amaqonga aziwayo nathembekileyo.
Kubalulekile ukujonga isidima sombolekisi, nokufunda imiqathango yemali-mboleko nemigaqo-nkqubo yabucala ukuze ukhusele iinkcukacha zakho zobuqu.
