Indlela Ikhadi Lesikweletu le-Nu Elisebenza Ngayo nokuthi Yini Elilenza Lihluke

Ikhadi Lesikweletu le-Nu liyindlela entsha yalabo abafuna indlela yokuthola imali ebolekiwe efinyeleleka kalula futhi engenazinkinga eMexico.

Kulesi sihloko, sizohlola izimfuneko zokufaka isicelo saleli khadi, inqubo yokufaka isicelo eyenzeka ngokuphelele ku-inthanethi, kanye nezinzuzo elizinikezayo.

Ngaphezu kwalokho, sizohlaziya ukuthi Ikhadi Lesikweletu le-Nu ligqama kanjani ngokuba sobala nokuzibophezela ekwenzeni izinsizakalo zezimali zifinyeleleke kalula, okulenza libe enye indlela ekhangayo yokuphatha izimali zakho ngendlela ephumelelayo.

Yini eyenza Ikhadi le-Nu lihluke eMexico?

Uma ufuna ikhadi lesikweletu elilula, elingenayo imibandela efihlekile nelivumelana nezidingo zakho, Ikhadi Lesikweletu le-Nu eMexico lingakumangaza.

Njengoba imvume yokuqala ingafinyelela ku-$20,000 MXN ngaphandle kwemibuzo, leli khadi likususa ekukhathazekeni ngezinqubo eziyinkimbinkimbi noma ngesidingo sokuchaza umlando wakho wesikweletu.

Ngaphezu kwalokho, akudingeki ukhathazeke ngokukhokha imali yonyaka, ngoba limahhala ngokuphelele, noma ngezimali ezifihliwe lapho ulisebenzisa noma ulicela ukuba lifakwe elinye.

Konke kulawulwa ngohlelo lwalo lokusebenza, olukuvumela nokuphatha izindleko zakho nokukhokha ngendlela eguquguqukayo.

Njengoba lenzelwe ukwenza ukuphatha izimali kube lula, Ikhadi le-Nu liphinde ligqame ngokungakhokhisi imali yokungalisebenzisi ngokwanele noma izijeziso ezingalindelekile.

Lokhu kuzibophezela ekubeni sobala kulenza libe lilungele labo abaqala ukwakha umlando wesikweletu noma asebekhathele amabhange endabuko.

Izimfuneko nemibhalo ebalulekile

Ukufeza izimfuneko ezibekwe yi-Nu kubalulekile ukuze uthole ikhadi layo lesikweletu eMexico.

Ngenxa yenqubo yayo eyenzeka ngokuphelele ku-inthanethi, izimfuneko zicacile futhi zilula, kodwa kubalulekile ukuba nemibhalo efanele nokuhlangabezana nezimfuneko eziyisisekelo ezifana neminyaka yobudala obuncane, ukuhlala ezweni kanye nomlando wesikweletu owamukelekayo.

Ngaphezu kwalokho, nakuba kungadingeki ukuthi ubonise ukuthi unemali engenayo encane, ukuphatha izimali ngendlela efanele kungaba nomthelela ekutholeni imvume.

Imfuneko	Imininingwane
Iminyaka yobudala ephansi	Kufanele ube neminyaka okungenani engu-18 ngesikhathi ufaka isicelo
Ukuhlala eMexico	Ukuba nekheli elingaphakathi kwemingcele yezwe
Umazisi osemthethweni	Ukwethula i-INE, ipasipoti noma ikhadi lokuhlala elisasebenza
Isithombe ozishuthe sona phakathi nenqubo	Thatha isithombe ozishuthe sona ukuze kuqinisekiswe ubuwena ngesikhathi sokufaka isicelo
Umlando wesikweletu	Akufanele ube nomlando ongemuhle ku-Buró de Crédito
Ubufakazi bekheli ohlala kulo	Ngezinye izikhathi kuyadingeka, kuye ngezinqubomgomo zamanje ze-Nu
I-RFC ene-homoclave	Ibalulekile ngezinjongo zentela, nakuba ingadingeki ngaso sonke isikhathi

Ukuze uthole eminye imininingwane esemthethweni mayelana nenqubo yokufaka isicelo, ungabheka ngokuqondile isayithi leKhadi Lesikweletu le-Nu.

Ukufaka isicelo ku-inthanethi okungu-100%: isinyathelo ngesinyathelo

1. Isinyathelo sokuqala sokufaka isicelo sekhadi lesikweletu le-Nu ukulanda uhlelo lokusebenza lweselula noma ukuvakashela isayithi layo elisemthethweni.

Ungaqala inqubo kunoma iyiphi yalezi zindlela ngaphandle kokuya egatsheni noma ukwethula imibhalo ephathekayo.

2. Uma usungaphakathi, kuzodingeka ugcwalise ifomu ledijithali ngemininingwane yakho: igama nesibongo sakho esigcwele, i-CURP, ikheli le-imeyili nenombolo yocingo.

Lesi sinyathelo sibalulekile ukuze kuqhutshekwe nokuhlolwa kwephrofayela yakho yesikweletu.

3. Ngemva kwalokho, uzocelwa ukuba unamathisele isithombe sikamazisi wakho osemthethweni (i-INE, ipasipoti noma ikhadi lokuhlala) futhi uthathe isithombe ozishuthe sona ukuze kuqinisekiswe ubuwena.

Lokhu kuqinisekiswa kwenzeka ngemizuzwana ngenxa yobuchwepheshe obuzenzakalelayo be-Nu.

4. Uma lonke ulwazi selufakiwe, uhlelo luyaqhubeka nokuhlaziya ngokuzenzakalelayo umlando wakho wesikweletu.

Ezimweni eziningi, uzothola impendulo ngokushesha, ngaphansi kwemizuzu engu-3.

5. Uma isicelo sakho samukelwe, uzothola i-imeyili yokuqinisekisa, bese kuthunyelwa ikhadi lakho eliphathekayo ekhelini olinikezile.

Izinzuzo ezibalulekile: akukho mali yonyaka noma zimali ezifihliwe

Ukuphatha izimali zakho akukaze kube lula njengokusebenzisa ikhadi lesikweletu le-Nu, ngenxa yokugxila kwalo ekusobala nokungakhokhisi nhlobo imali yonyaka noma izimali ezifihliwe.

Lokhu kuvumela abasebenzisi ukuba benze izinqumo benolwazi oludingekayo, ngaphandle kokukhathazeka ngezimali ezingalindelekile ezithinta isabelomali sabo.

Ngaphezu kwalokho, ngokususa imibandela efana nesidingo sokusebenzisa inani elincane noma ukukhokha imali yokufakelwa elinye ikhadi, i-Nu inikeza ukulawula izimali kwangempela kulabo abafuna inkululeko nobulula ekuphatheni isikweletu sabo.

• Ukuphathwa okuphelele kusukela ku-app, kuhlanganise nokulawula imikhawulo, ukukhiya nokuvula ikhadi
• Usizo lwamakhasimende olutholakala ubusuku nemini ngengxoxo eku-inthanethi, i-imeyili nocingo
• Izinzuzo ze-Mastercard Gold ezisebenza emhlabeni wonke
• Azikho izijeziso ngokungalisebenzisi ngokwanele noma izimali ezingalindelekile
• Ukufaka isicelo ku-inthanethi okungu-100%, ngaphansi kwemizuzu engu-3 usebenzisa noma iyiphi idivayisi
• Izinyanga zokukhokha ngaphandle kwenzalo ekuthengeni okuqala ku-$100, ongazilungiselela ku-app

Ungaphuthelwa leli thuba lokuthola ikhadi elifinyeleleka kalula, lesimanje nelingenazinkinga

Ukuvikeleka nokuba sobala kwezezimali

Ikhadi lesikweletu le-Nu ligqama ngokuzibophezela ekuvikelekeni kwedijithali nasekugcineni ubumfihlo bomsebenzisi.

Lihlanganisa ithokheni eguqukayo ukuze kuqinisekiswe konke okuthengwayo ku-inthanethi, okunciphisa ubungozi bokukhwabanisa.

Ukwengeza, ithumela izaziso zesikhathi sangempela ngakho konke okwenziwa ku-akhawunti, okwenza umsebenzisi akwazi ukusabela ngokushesha kunoma yikuphi ukuthengiselana okusolisayo.

Yonke imininingwane yomuntu siqu neyezezimali iphathwa ngaphansi kwezinqubo eziqinile zokubethela, okuyisithiyo esiphumelelayo ekuvimbeleni ukufinyelela okungagunyaziwe. [Ochwepheshe be-fintech bathi ukuthola izaziso ngokushesha nokuqinisekiswa okushintshashintshayo kubalulekile ukuze kuqinisekiswe ukusetshenziswa okuphephile kwezinkundla zedijithali].

Mayelana nokusobala, i-Nu igqama ngokubonisa wonke amanani ngokucacile nangaphandle kwezimali ezifihliwe.

Asikho isijeziso sokusebenzisa ikhadi kancane, futhi azikho izimali zokushintshwa kwekhadi noma zokuligcina, okuqinisa imodeli yayo yezezimali ethembekile nefinyeleleka kalula.

Umsebenzisi ngamunye angabheka umkhawulo wakhe wesikweletu, inzalo esebenzayo nokwenziwa ku-akhawunti khona manjalo kuhlelo lokusebenza, ngaphandle kokwesaba ukukhokhiswa imali engalindelekile noma imigomo engacacile.

Ukuze uthole imininingwane eyengeziwe ngezinga lokuvikeleka kwayo, hlola izinqubomgomo zayo ezisemthethweni zokuphepha.

Ngamafuphi, iKhadi Lesikweletu le-Nu liyisixazululo sezimali sesimanje esingenazo izimanga, esinikeza abasebenzisi eMexico ukufinyelela esikweletini okulula nokusobala.

Isaziso sezomthetho:
Lesi sizindalwazi sizimele futhi asixhunyanisiwe nanoma iyiphi inhlangano kahulumeni noma yesikhungo sezezimali. Asithembisi ukuthi izicelo zesikweletu zizovunywa futhi asizibophezele ngezilinganiso zenzalo, izikhathi zokukhokha, imigomo noma amaphromoshini anikezwa abantu besithathu. Konke okufanele kwenziwe kumele kwenziwe ngokuqondile kusizindalwazi esisemthethweni sesikhungo ngasinye. Inhloso yethu ukuhlinzeka ngolwazi olujwayelekile nemihlahlandlela yokusiza abasebenzisi ekufuneni kwabo.