Hlola amabhange nezinkampani zezimali lapho ungafaka khona isicelo semali mboleko e-Argentina
Lapho befuna izimalimboleko zomuntu siqu e-Argentina, abaningi babhekana nobunzima bokuthola isikhungo esifanele esinikeza imigomo evumayo namanani abawafinyelelayo.
Kubalulekile ukwazi izindlela ezitholakalayo, ngoba izikhungo ezihlukahlukene, njenge-Banco BBVA ne-Banco Provincia, zinomehluko omkhulu kumanani nasezimfunekweni, okungadida labo abadinga uxhaso lwezimali ngokushesha.
Lesi sihloko sizohlola amabhange amakhulu nezinkampani zezimali e-Argentina ezinikeza izimalimboleko, sichaze amanani, izikhathi zokukhokha, amazinga enzalo nezimfuneko ezidingekayo ukuze kusizwe abantu benze izinqumo ezinolwazi nezifanele lapho becela imalimboleko yomuntu siqu.
Amabhange nezinkampani zezimali ezinkulu ezinikeza izimalimboleko e-Argentina
E-Argentina, kunezikhungo ezihlukahlukene lapho umuntu angacela khona izimalimboleko zomuntu siqu, futhi ngasinye sinemigomo nezici zaso.
Ngezansi kuboniswa amanye amabhange nezinkampani zezimali ezibaluleke kakhulu, kanye namanani nezikhathi zokukhokha ezizinikezayo, ukuze kube lula ukuziqhathanisa nokukhetha kulabo abafuna uxhaso lwezimali.
Banco BBVA
Inikeza izimalimboleko zomuntu siqu ezifika ku-$40.000.000 nge-inthanethi nezifika ku-$70.000.000 emagatsheni, ngezikhathi zokukhokha ezifika ezinyangeni ezingu-72.
Banco Provincia
Ivumela abantu ukuba bacele imali efinyelela ku-$50.000.000, efakwa ku-akhawunti ngaphansi kwamahora angu-24 ngemva kokuvunywa kwemalimboleko.
Banco Macro
Inikeza izimalimboleko ezisukela ku-$10.000 kuya ku-$10.000.000, ezinemigomo ehambisana nesilinganiso sesikweletu sekhasimende ngalinye.
Ukwazi ngalezi zindlela kubalulekile ukuze kwenziwe izinqumo ezinolwazi mayelana nezikweletu zasebhange.
Ngokukhetha isikhungo esifanele, abafaka izicelo bangandisa amathuba abo okuthola imalimboleko ehambisana nezidingo zabo zezimali.
Amanani aphezulu nezikhathi zokukhokha ezitholakalayo zemalimboleko yomuntu siqu
Lapho ucabangela izimalimboleko zomuntu siqu e-Argentina, kubalulekile ukwazi amanani ongawacela nezikhathi zokukhokha ezinikezwa yizikhungo zezimali.
Lolu lwazi lusiza abafaka izicelo ukuba benze izinqumo ezinolwazi nezihambisana nezidingo zabo zezimali.
Ngezansi kuboniswa amanani aphezulu nezikhathi zokukhokha zamabhange amakhulu e-Argentina.
| Ibhange | Amanani Aphakeme | Izikhathi Zokukhokha |
|---|---|---|
| Banco BBVA | $40.000.000 (nge-inthanethi) / $70.000.000 (emagatsheni) | Kufika ezinyangeni ezingu-72 |
| Banco Provincia | Kufika ku-$50.000.000 | Ukufakwa kwemali ngaphansi kwamahora angu-24 |
| Banco Macro | Kusukela ku-$10.000 kuya ku-$10.000.000 | Kuye ngesilinganiso sesikweletu |
Amanani nezikhathi zokukhokha zehluka kakhulu phakathi kwamabhange, okugqamisa ukubaluleka kokuqhathanisa izindlela ngaphambi kokucela imalimboleko.
Ukuhlola izimfuneko nemigomo kuzosiza abafaka izicelo bakhethe imalimboleko ehambisana kangcono nesimo sabo sezimali.
Izilinganiso zenzalo nezindleko ezihambisana nezimali mboleko
Lapho ufaka isicelo sezimali mboleko zomuntu siqu e-Argentina, kubalulekile ukuba nolwazi ngezilinganiso zenzalo nezinye izindleko ezingase zivele.
Lezi zilinganiso zingahluka kakhulu phakathi kwamabhange nezinkampani zezimali, okuthinta ngokuqondile inani eliphelele lemali mboleko.
Ngokwesibonelo, i-Banco BBVA inikeza izimali mboleko ezinemibandela ethile ehluka kuye ngesilinganiso sokufaneleka kwekhasimende ngesikweletu.
Izilinganiso zenzalo zamanje
Izilinganiso zenzalo zezimali mboleko zomuntu siqu e-Argentina ziyisici esibalulekile lapho ukhetha ibhange.
Njengamanje, kuvamile ukubona izilinganiso eziphakathi kuka-30% no-45%, kuye ngesikhungo kanye nesimo somfakisicelo.
Ngakho-ke, kuyancomeka ukuqhathanisa izipesheli zamabhange amaningana ukuze uthole inketho engcono kakhulu etholakalayo.
Izindleko ezengeziwe
Ngaphezu kwezilinganiso zenzalo, kunezinye izindleko ezihambisana nezimali mboleko, njengamakhomishini nemishwalense.
Lezi zindleko zingahluka kakhulu, futhi kubalulekile ukuzicabangela lapho ubala izindleko eziphelele zesikweletu. “Ukuqhathanisa izilinganiso zenzalo nezindleko ezihambisana nazo kuyisihluthulelo sokwenza izinqumo zezimali ezifanele.” — Ochwepheshe bezezimali.
Ukukhetha imali mboleko efanele kunganciphisa imithwalo yezimali esikhathini esizayo.
Izimfuneko namadokhumenti adingekayo ukuze ufake isicelo semali mboleko
Ukuze uthole izimali mboleko zomuntu siqu e-Argentina, kubalulekile ukwazi izimfuneko namadokhumenti adingekayo isikhungo ngasinye sezimali esiwacelayo.
Ukufeza lezi zimfuneko kuzokwenza inqubo yokugunyazwa ibe lula futhi kuvumele ukuphathwa kwezinqubo ngendlela ephumelela kakhudlwana.
Ngezansi kubalwe amadokhumenti ayisisekelo nezinye izimfuneko ezengeziwe ezivame ukudingeka.
Amadokhumenti ayisisekelo
Ngokuvamile, amadokhumenti ayisisekelo ahlanganisa imibhalo ebalulekile evumela isikhungo ukuba sihlole isimo sezimali somfakisicelo.
La madokhumenti abalulekile ukuze kuhlolwe isicelo sesikweletu ngendlela efanele futhi angahluka kancane phakathi kwamabhange nezinkampani zezimali.
- Idokhumenti kamazisi (DNI)
- Irisidi lomholo noma ubufakazi bemali engenayo
- Ubufakazi be-CUIT noma be-CDI (uma uzisebenza ngokuzimela)
Ukuba nala madokhumenti kuzokwenza kube lula ukuthola imali mboleko.
Ngaphezu kwalokho, kuyancomeka ukuba uqinisekise ngokuqondile esikhungweni ukuthi zikhona yini ezinye izimfuneko, njengokuletha izibambiso noma abantu abaqinisekisa ukubolekwa, ikakhulukazi uma inani eliceliwe liphezulu, njengaleli elingafika ku-$50.000.000 elinikezwa yi-Banco Provincia.
Izinketho zokuxhasa amaphrojekthi akho e-Argentina
Ukukhetha isikhungo esifanele sokufaka isicelo sezimali mboleko zomuntu siqu e-Argentina kubalulekile, njengoba kuthinta ngokuqondile imibandela nezinzuzo ezizotholakala.
Ukuqhathanisa izinketho ezihlukahlukene kukusiza ukuba uthole enye indlela efaneleka kakhulu izidingo zezimali zomuntu ngamunye.
Uma usucacelwe yizikhungo ongakhetha kuzo, isinyathelo esilandelayo ukuhlaziya izimfuneko nokulungisa amadokhumenti adingekayo ukuze uqale ukufaka isicelo, ngaleyo ndlela usondele ekufezeni amaphrojekthi akho siqu.
Imibuzo Evame Ukubuzwa
Yimaphi amabhange anikeza izimali mboleko zomuntu siqu e-Argentina?
E-Argentina, amabhange nezikhungo zezimali eziningana zinikeza izimali mboleko zomuntu siqu.
Phakathi kwezivelele kakhulu kukhona i-Banco Nación, i-Banco Santander ne-Banco Provincia, ngayinye inemibandela nezici ezihlukahlukene ezingaba usizo kuye ngezidingo zomfakisicelo.
Imaphi amanani aphezulu engingawacela emalini mboleko?
Amanani aphezulu ezimali mboleko zomuntu siqu ahluka kakhulu phakathi kwezikhungo.
Ngokuvamile, amabhange anikeza amanani asukela ku-$50,000 kuya ku-$1,500,000, kuye ngekhono lomfakisicelo lokukhokha kanye nomlando wakhe wesikweletu.
Yiziphi izimfuneko engizidingayo ukuze ngithole imali mboleko yomuntu siqu?
Ukuze bathole imali mboleko yomuntu siqu, abafakisicelo kufanele balethe amadokhumenti ayisisekelo afana ne-DNI, amarisidi omholo noma ubufakazi bemali engenayo.
Ngaphezu kwalokho, ezinye izikhungo zingase zicele ulwazi ngomlando wesikweletu futhi, kwezinye izimo, isibambiso noma umuntu ozoboleka kanye nomfakisicelo.
Yiziphi izilinganiso zenzalo zamanje zezimali mboleko zomuntu siqu?
Izilinganiso zenzalo zezimali mboleko zomuntu siqu e-Argentina zingashintsha kuye ngebhange nangohlobo lwemali mboleko oluceliwe.
Njengamanje, izilinganiso zisukela ku-30% kuya ku-80% ngonyaka, ngakho kubalulekile ukuqhathanisa izipesheli ngokucophelela ngaphambi kokwenza isinqumo.
Ngingaziqhathanisa kanjani izinketho zezimali mboleko ezitholakalayo?
Ukuqhathanisa izinketho zezimali mboleko zomuntu siqu kusho ukuhlola hhayi izilinganiso zenzalo kuphela, kodwa nezikhathi zokukhokha, amanani kanye nezimfuneko zesikhungo ngasinye.
Ukusebenzisa izibali zezimali mboleko eziku-inthanethi nokufunda imibono yabanye abasebenzisi kungakusiza ukhethe isipesheli esingcono kakhulu esitholakalayo.
