Imali mboleko esheshayo e-Argentina: izinketho nezinto okufanele uzicabangele
E-Argentina, izimali mboleko ezisheshayo e-Argentina seziphenduke usizo olubalulekile kubantu abaningi ababhekene nezimo eziphuthumayo zezimali.
Njengoba izilinganiso zenzalo zingafinyelela ku-70% emindenini futhi cishe uhhafu wemizi unezikweletu, isidingo sokuthola uxhaso lwezimali ngokushesha sesiphuthuma kakhulu.
Le ndatshana ihlaziya ngokuningiliziwe izinketho ezihlukahlukene zezikweletu ezisheshayo ezitholakalayo, izimfuneko zokufaka isicelo sazo nezinto okufanele abafakisicelo bazicabangele ukuze bagweme izinkinga zezimali.
Izinketho zezimali mboleko ezisheshayo ezitholakala e-Argentina
E-Argentina, kunezinkundla ezihlukahlukene ezinikeza izimali mboleko ezisheshayo ukuze zihlangabezane nezidingo zezimali eziphuthumayo zezakhamuzi.
Lezi zinketho zingahluka ngamanani, izikhathi zokukhokha nemibandela, okuvumela umuntu ngamunye ukuba akhethe leyo evumelana kangcono nesimo sakhe.
Ngezansi kunezinye zezinkundla ezivelele kakhulu nezinhlobo zezimali mboleko ezinikezayo.
- Zaga: Ivumela ukuthola izimali mboleko zomuntu siqu ezifika ku-$3.000.000, ngokugunyazwa ngokushesha nokudluliselwa kwemali ngaphansi kwamahora angu-24.
- Creditea: Inikeza izikweletu ezisheshayo nge-inthanethi, ngenqubo eyenziwe yaba lula nokuxhumana ngokushesha.
- Vivus: Igxile ekuxhasweni ngezimali okusheshayo futhi ivumela ukufaka izicelo kalula nangokushesha.
Lezi zinkundla ziyingxenye nje yezinketho ezitholakalayo zokuthola uxhaso lwezimali olusheshayo.
Lapho ucabangela imali mboleko esheshayo, kubalulekile ukuhlola hhayi izilinganiso zenzalo kuphela, kodwa nemigomo nemibandela ukuze ugweme izimanga ezingafuneki.
Ukuthola ulwazi olufanele kungenza umehluko omkhulu kokuhlangenwe nakho komfakisicelo.
Izimfuneko nenqubo yokufaka isicelo sezimali mboleko ezisheshayo
Ukuze ufake isicelo semali mboleko esheshayo e-Argentina, kubalulekile ukwazi izidingo ezidingekayo nokulandela inqubo efanele.
Nakuba amapulatifomu engase ahluke, kunezinto ezivamile okufanele abafaka izicelo bazifeze ukuze bathole uxhaso lwezimali ngokushesha.
Imibhalo edingekayo
Imibhalo edingekayo ivame ukufaka imininingwane yomuntu siqu neyezezimali.
Ngezansi kunethebula lezidingo ezivame kakhulu zokuthola izimali mboleko ezisheshayo e-Argentina.
| Umbhalo | Incazelo |
|---|---|
| DNI | Documento Nacional de Identidad yokuqinisekisa ubuwena. |
| Ubufakazi bemali engenayo | Isiliphu somholo noma isimemezelo sentela esifakazela imali engenayo. |
| Umbiko wezikweletu | Isimo sezikweletu zangaphambilini, uma zikhona. |
Ukuqoqa le mibhalo kwenza inqubo yokugunyazwa ibe lula.
Umbiko uveza ukuthi u-47,9% wemizi yase-Argentina unezikweletu zasebhange, okugqamisa ukubaluleka kokwethula imininingwane ecacile nenembile.
Izinyathelo zokufaka isicelo
Inqubo yokufaka isicelo semali mboleko esheshayo ilula futhi ngokuvamile inezinyathelo ezimbalwa eziyisisekelo.
Okokuqala, kufanele ungene epulatifomini olikhethile bese ugcwalisa ifomu lesicelo ku-inthanethi.
Ngemva kwalokho, kufanele unamathisele imibhalo edingekayo, bese ulinda ukugunyazwa, okuvame ukwenziwa ngokushesha.
Uma isicelo sesigunyaziwe, imali ingakhishwa kungakapheli amahora angu-24, okuyinto elungele labo abadinga uxhaso lwezimali ngokushesha.
Kubalulekile ukulandela ngasinye salezi zinyathelo ukuze kuqinisekiswe ukuthi isicelo siba nomphumela omuhle.
Amazinga enzalo nezindleko ezihambisana nayo
Amazinga enzalo ayinto ebalulekile okufanele ayicabangele umuntu ofaka isicelo semali mboleko esheshayo e-Argentina ngaphambi kokwenza isinqumo.
Amazinga enzalo emali mboleko ehloselwe imindeni angadlula ku-70%, okungakhuphula kakhulu isamba semali okufanele ibuyiswe.
Ngakolunye uhlangothi, emabhizinisini amazinga enzalo ahlala ecishe abe ngu-37%, okubonisa umehluko omkhulu ekutholeni uxhaso lwezimali ngokushesha.
Amazinga enzalo emindeni nasemabhizinisini
Esimweni samanje somnotho wase-Argentina, imindeni eminingi ibhekene nezinselele zokuphatha izikweletu zayo.
Ngokusho kukachwepheshe wezezimali, «izinga eliphezulu lenzalo seliphenduke isithiyo ekuvuseleleni umnotho wemizi» — (Umthombo: Umbiko Wezomnotho).
Lesi simo sigqamisa isidingo sokuhlaziya ngokucophelela ngaphambi kokufaka isicelo semali mboleko esheshayo.
Izindleko ezifihlekile
Ngaphezu kwamazinga enzalo, abafaka izicelo kufanele bazinake izindleko ezifihlekile ezihambisana nalezi zimali mboleko.
Amapulatifomu amaningi akhokhisa imali eyengeziwe, engahluka kuye ngenani eliceliwe nesikhathi sokukhokha.
Ukuqonda lezi zindleko kubalulekile ukuze ugweme izimanga lapho ukhokha isikweletu, ngaleyo ndlela uqinisekise ukuphathwa kwezimali ngendlela enomthwalo wemfanelo.
Izingozi nezinto okufanele uzicabangele lapho ufaka isicelo semali mboleko esheshayo
Ukufaka isicelo semali mboleko esheshayo e-Argentina kungaba yisixazululo esisheshayo, kodwa kunezingozi ezithile okufanele abafaka izicelo bazicabangele.
Enye yezingozi ezinkulu ukungakhokhi ngesikhathi, okungaholela ochungechungeni lwezikweletu oluqhubekayo futhi okunzima ukululawula, ikakhulukazi uma kucatshangelwa ukuthi u-47,9% wemizi yase-Argentina isivele inezikweletu zasebhange.
Izingozi zokungakhokhi ngesikhathi
Ukungakhokhi ngesikhathi kuyingozi yangempela kulabo abangahloli kahle ukuthi bangakwazi yini ukukhokha.
Kubalulekile ukuthi abafaka izicelo baqonde ukuthi amazinga enzalo yemali mboleko yemindeni angadlula ku-70%, okungenza isikweletu esincane siphenduke umthwalo omkhulu wezezimali.
Ngakho-ke, kubalulekile ukuba abafaka izicelo bacabangele isimo sabo sezomnotho samanje ngaphambi kokuzibophezela.
Amacebiso okugwema izinkinga zezimali
Ukuze uphathe izimali mboleko ezisheshayo ngendlela enomthwalo wemfanelo, kuhle ukulandela iziqondiso ezithile. Nanka amacebiso awusizo:
- Hlola ukuthi ungakwazi yini ukukhokha ngaphambi kokufaka isicelo semali mboleko.
- Qhathanisa izinhlinzeko ezihlukene ukuze uthole amazinga enzalo angcono kakhulu.
- Funda yonke imigomo namazinga engeziwe angase asebenze.
Ukusebenzisa la macebiso kungasiza ekunciphiseni izingozi futhi kuqinisekise ukuthi imali mboleko ayiphenduki umthwalo wezezimali.
Ngolwazi olufanele nokuhlela ngokucophelela, kungenzeka ukuthola uxhaso lwezimali ngokushesha ngaphandle kokubeka engcupheni ukuzinza kwezimali komuntu.
Imicabango yokugcina ngemali mboleko esheshayo
Kubalulekile ukuba abafaka izicelo zemali mboleko esheshayo e-Argentina bathole ulwazi olwanele ngaphambi kokwenza izinqumo zezimali.
Njengoba kunezinketho eziningi, kubalulekile ukuziqhathanisa nokuqonda imigomo yazo ukuze ugweme izinkinga esikhathini esizayo.
Ukucabangela zonke izici zemali mboleko kungaba nomthelela omkhulu ekuzinzeni kwezimali.
Ukwenza izinqumo unolwazi oludingekayo kuzosiza abafaka izicelo ukuba bakhethe inketho evumelana nezidingo zabo kakhulu.
Imibuzo Evame Ukubuzwa
Ungayithola kanjani imali mboleko esheshayo e-Argentina?
Ukuze bathole imali mboleko esheshayo e-Argentina, abantu abanentshisekelo kufanele bafune izikhungo zezimali ezihlinzeka ngale nsizakalo.
Kuyancomeka ukuqhathanisa izinketho ezihlukene nokufunda imigomo ngaphambi kokufaka isicelo, njengoba isikhungo ngasinye singase sibe nezinqubo nezikhathi ezihlukile.
Yiziphi izidingo zemali mboleko esheshayo?
Izidingo zokufaka isicelo semali mboleko esheshayo zivame ukufaka umazisi osebenzayo, ubufakazi bemali engenayo, futhi kwezinye izimo, umlando omuhle wezikweletu.
Amanye amapulatifomu angase futhi adinge imininingwane eyengeziwe, njengesimo somsebenzi nezinkomba zabantu abazaziyo.
Yimaphi amazinga enzalo asebenza emalini mboleko esheshayo?
Amazinga enzalo emali mboleko esheshayo e-Argentina ahluka kakhulu kuye ngesikhungo nangesimo somfaki wesicelo.
Kuvamile ukuba la mazinga abe phezulu kunawemali mboleko evamile, ngakho kubalulekile ukuhlaziya ngokuningiliziwe ngaphambi kokwamukela noma yisiphi isiphakamiso.
Kuphephile yini ukufaka izicelo zemali mboleko esheshayo ku-inthanethi?
Ukufaka isicelo semali mboleko esheshayo ku-inthanethi kungaphepha, uma nje kusetshenziswa amapulatifomu athembekile futhi asebenza isikhathi eside.
Abasebenzisi kufanele baqinisekise ukuthi iwebhusayithi inezinyathelo zokuphepha ezinjengokubethela kanye nezinqubomgomo zobumfihlo ezicacile ngaphambi kokunikeza ulwazi lomuntu siqu.
Kuthatha isikhathi esingakanani ukugunyazwa kwemali mboleko esheshayo?
Isikhathi sokugunyazwa kwemali mboleko esheshayo singahluka, kodwa ngokuvamile impendulo ingalindelwa emahoreni ambalwa noma ezinsukwini ezimbalwa.
Abanye abahlinzeki bagunyaza izicelo ngokushesha, kanti abanye bangase badinge ukuhlaziya kabanzi, okungase kubambezele inqubo.
