Thola ukuthi ungayicela kanjani imalimboleko nge-inthanethi e-Argentina, isinyathelo ngesinyathelo

Ukufaka isicelo semali mboleko eku-inthanethi e-Argentina kungaba inqubo enzima, ikakhulukazi kulabo abangazazi izimfuneko nezinyathelo ezidingekayo.

Izakhamuzi eziningi zibhekana nobunzima bokuthola uxhaso lwezimali olusheshayo nolusebenzayo, okuzenza zifune ulwazi olucacile nolufushane mayelana nendlela yokuthola imali mboleko yomuntu siqu eku-inthanethi evumelana nezidingo zazo.

Le ndatshana inikeza umhlahlandlela onemininingwane mayelana nendlela efanele yokufaka izicelo zemali mboleko yomuntu siqu eku-inthanethi, okuhlanganisa izimfuneko ezivamile, izinyathelo okufanele zilandelwe nokuqhathanisa izikhungo zezimali ezahlukene, njenge-BBVA ne-Ualá, ukuze kube lula ukwenza isinqumo esifanele kakhulu.

Izimfuneko ezivamile zokufaka isicelo semali mboleko eku-inthanethi

Ngaphambi kokuqhubeka nokufaka isicelo semali mboleko eku-inthanethi e-Argentina, kubalulekile ukwazi izimfuneko okufanele kuhlangatshezwane nazo.

Lezi zimfuneko ziyehluka kuye ngesikhungo sezezimali, kodwa kunemibhalo ethile nemibandela evamile eyenza inqubo ibe lula.

Ngezansi kubalwe izinto ezidingekayo ngokuvamile ukuze uthole imali mboleko yomuntu siqu eku-inthanethi.

Imibhalo edingekayo

Imibhalo ingenye yezinto ezibaluleke kakhulu lapho kufakwa izicelo zemali mboleko yomuntu siqu eku-inthanethi.

Ababolekisi bavame ukufuna imibhalo ethile ukuze baqinisekise ukuthi obafaka isicelo ungubani nesimo sakhe sezezimali.

Imibhalo evamile ihlanganisa lokhu okulandelayo:

• I-DNI noma umazisi osasebenza
• Ubufakazi bemali engenayo (amasliphu omholo, izimemezelo zentela)
• Izitatimende zasebhange zakamuva
• Ulwazi ngezikweletu noma imali mboleko ekhona

Ukuba nemibhalo efanele kuyisihluthulelo sokusheshisa inqubo yokugunyazwa.

Ukulungisa yonke imibhalo akwenzi nje kuphela ukufaka isicelo kube lula, kodwa kungandisa namathuba okuthola inzalo engcono emalini mboleko yomuntu siqu.

Izimfuneko zezimali

Ngaphezu kwemibhalo, izimfuneko zezimali nazo zibaluleke ngokulinganayo.

Ababolekisi bavame ukuhlola isimo sezimali somfakisicelo ngaphambi kokumnikeza imali mboleko.

Ukuze ufake isicelo semali mboleko, kubalulekile ukuhlangabezana nemibandela enjengekhono lokukhokha nomlando wesikweletu.

Ngokuvamile, kulindeleke ukuthi abafaka izicelo babe nemali engenayo evamile nezinzile ezobavumela ukukhokha izitolimende zemali mboleko.

Ngokwesibonelo, i-Banco de la Nación Argentina inikeza imali mboleko yezinsizakalo zezokuvakasha efinyelela ku-$5.000.000, enesikhathi sokukhokha esingafika ezinyangeni ezingu-18, okubonisa ukubaluleka kokukhombisa isimo sezimali esihle.

Izinyathelo ezinemininingwane zokugcwalisa isicelo

Ukugcwalisa isicelo semali mboleko eku-inthanethi e-Argentina kungase kubonakale kuyinkimbinkimbi, kodwa ukulandela izinyathelo ezimbalwa ezicacile kwenza inqubo ibe lula.

Kubalulekile ukuqonda isigaba ngasinye ukuze kuqinisekiswe ukuthi kuhlangatshezwane nazo zonke izimfuneko nokuthi kutholakala ukugunyazwa okufunwayo.

Ngezansi kuchazwe izinyathelo ezidingekayo zokufaka isicelo ngempumelelo.

Inqubo yokufaka isicelo

Isinyathelo sokuqala senqubo yokufaka isicelo ukukhetha isikhungo sezezimali.

Ibhange ngalinye noma umbolekisi unezimfuneko nemibandela yakhe.

Ngokwesibonelo, i-BBVA inikeza imali mboleko yomuntu siqu eku-inthanethi efinyelela ku-$40.000.000, kanti i-Ualá ivumela abantu ukuthi bafake izicelo zemali mboleko efakwa ngokushesha ku-akhawunti yomsebenzisi.

Uma isikhungo sesikhethiwe, kufanele kugcwaliswe ifomu eliku-inthanethi ngolwazi oludingekayo.

Kubalulekile ukunikeza imininingwane enembile necacile, ngoba noma iliphi iphutha lingabambezela ukugunyazwa.

Ngemva kokuthumela isicelo, isikhungo sizoqala ukuhlola ulwazi olunikeziwe.

Igrafu elandelayo ifingqa le nqubo nezikhathi ezilinganisiwe.

Isigaba	Incazelo	Isikhathi esilinganisiwe
Isicelo	Gcwalisa ifomu eliku-inthanethi bese uthumela imibhalo.	Imizuzu engu-5 kuya kwengu-10
Ukuhlola	Ukubuyekezwa kolwazi nokuhlaziywa kwesikweletu.	Amahora angu-24 kuya kwangu-48
Ukugunyazwa nokukhokhwa kwemali	Ukuqinisekiswa nokudluliselwa kwezimali ku-akhawunti.	Ngokushesha kuya emahoreni angu-48

Ukugunyazwa nokukhokhwa kwemali

Uma isikhungo sesihlole isicelo nemibhalo, kuzothunyelwa isaziso esimayelana nokugunyazwa kwemali mboleko.

Kubalulekile ukuhlale ubheka ama-imeyili nemilayezo yombhalo, ngoba ngokuvamile ukuxhumana kwenziwa ngalezi zindlela.

Uma isicelo sivunyiwe, imali ivame ukukhokhwa ngokushesha, ikakhulukazi kumapulatifomu afana ne-Ualá, lapho ifakwa khona ngokushesha.

Sengiphetha, ukulandela lezi zinyathelo nokuqonda inqubo yokufaka isicelo semali mboleko eku-inthanethi kuyisihluthulelo sokuthola uxhaso lwezimali ngempumelelo.

Ngolwazi olufanele nokuphatha isikhathi kahle, kungatholakala imiphumela emihle kakhulu ekufuneni imali mboleko yomuntu siqu eku-inthanethi.

Ukuqhathanisa izinketho zezikhungo zezimali ezahlukene

E-Argentina, kunezinketho ezahlukene zokufaka isicelo semali mboleko eku-inthanethi, ngayinye inezici nezinzuzo zayo.

Ukuqhathanisa izipesheli zezikhungo zezimali kubalulekile ukuze kutholakale isixazululo esivumelana kangcono nezidingo zomfakisicelo.

Ngezansi kuboniswa izinketho ezimbili eziyinhloko ezitholakala emakethe.

BBVA

I-BBVA igqame ngokunikeza imali mboleko yomuntu siqu ku-inthanethi efinyelela ku $40.000.000, enezikhathi zokukhokha ezingafinyelela ku izinyanga ezingu-72.

Lokhu kuvumelana nezimo kwenza abasebenzisi bakwazi ukukhetha uhlelo lokukhokha oluhambisana namandla abo ezezimali.

Ngaphezu kwalokho, inqubo yokufaka isicelo iyashesha futhi ilula, okwenza kube lula ukuthola imali mboleko ngokushesha e-Argentina.

Uchwepheshe wezezimali uthi:

«I-BBVA ingenye yezinketho ezinokwethenjelwa kakhulu kulabo abafuna ukuthola imali mboleko ngokushesha nangokuphepha.»

Lo mbono ugqamisa idumela elihle lalesi sikhungo ekuphatheni izimalimboleko zomuntu siqu ezitholakala ku-inthanethi.

Ualá

Ngakolunye uhlangothi, i-Ualá inikeza ithuba lokufaka isicelo sezimalimboleko ezinemali efakwa ngokushesha ku-akhawunti yomsebenzisi.

Lesi sici sikhanga kakhulu ikakhulukazi kulabo abadinga ukuthola imali ngokushesha.

Le nkundla igxile ekwenzeni kube lula futhi kusebenze kahle ukuyisebenzisa, okuyenza ibe inketho efanele kulabo abafuna ukufaka isicelo semali mboleko nge-inthanethi.

Ukuhlola lezi zinhlinzeko kwenza abafakizicelo bakwazi ukwenza izinqumo benolwazi olugcwele, becabangela kokubili amazinga enzalo nezikhathi zokukhokha izimalimboleko.

Ngakho, ukukhetha inketho efanele kungaba nomthelela omkhulu endleleni ikhasimende elijabula ngayo nangolwazi elilutholayo.

Amathiphu okwandisa amathuba okugunyazwa nokuthola imigomo engcono

Ukuze kwandiswe amathuba okugunyazwa lapho kufakwa isicelo semali mboleko ku-inthanethi e-Argentina, kubalulekile ukulandela amathiphu athile awusizo.

Lawa mathiphu enzelwe ukusiza abafakizicelo ukuba balethe isicelo esiqinile nesivuna bona kakhulu ezikhungweni zezimali.

• Thuthukisa iphrofayela yakho yesikweletu: Ukugcina umlando omuhle wokukhokha nokunciphisa izikweletu zangaphambilini kungakhuphula amaphuzu esikweletu, okuholela emigomeni engcono yemali mboleko.
• Khetha inani elifanele: Kubalulekile ukucela imali ehambisana nezidingo zangempela futhi engakhokhwa ngaphandle kobunzima, ukuze kugwenywe izinkinga esikhathini esizayo.

Ukusebenzisa la mathiphu kungenza umehluko lapho kufakwa isicelo semali mboleko nge-inthanethi.

Ukuba nephrofayela yesikweletu enempilo nokukhetha ngokucophelela inani lemali mboleko kwenza kube nokwenzeka ukuthola izimalimboleko zomuntu siqu eziku-inthanethi ezinamazinga enzalo angcono, ngisho nemigomo evuna kakhulu, njengezikhathi zokukhokha ezinde.

Indlela eya ekutholeni uxhaso lwezimali olufinyeleleka kalula

Ukuqonda inqubo yokuthi ifakwa kanjani isicelo semali mboleko ku-inthanethi e-Argentina kubalulekile kulabo abafuna izixazululo zezimali.

Ukwazi izinyathelo nezimfuneko kuqinisekisa inqubo elula nephephile, futhi kwenza abantu abaningi bakwazi ukuthola uxhaso lwezimali abaludingayo.

Isinyathelo esilandelayo esifanele ukuhlola izinketho ezitholakalayo bese ukhetha leyo evumelana kangcono nezidingo zakho, uqinisekise ukuthi isinqumo ngasinye sisekelwe olwazini olucacile nolunembile ukuze ube nekusasa lezezimali elizinzile.

Imibuzo Evame Ukubuzwa

Yiziphi izimfuneko zokufaka isicelo semali mboleko ku-inthanethi e-Argentina?

Ukuze ufake isicelo semali mboleko ku-inthanethi e-Argentina, kudingeka ube neminyaka engaphezu kwengu-18, ube nemali engenayo engaqinisekiswa futhi ube nomazisi osemthethweni.

Ngaphezu kwalokho, ezinye izikhungo zingase zicele umlando omuhle wesikweletu nokuthi umfakisicelo abe ngumhlali wezwe njengezimfuneko ezengeziwe.

Sifakwa kanjani isicelo semali mboleko yomuntu siqu kwa-BBVA?

Inqubo yokufaka isicelo semali mboleko yomuntu siqu kwa-BBVA ilula futhi yenziwa kakhulu ngenkundla yayo eku-inthanethi.

Abasebenzisi kufanele baye kuwebhusayithi yayo, babhalise uma bengabasebenzisi abasha bese belandela imiyalelo esefomini lesicelo, lapho kuzodingeka bafake khona imininingwane yabo yomuntu siqu neyezezimali.

Yimaphi amadokhumenti engiwadingayo ukuze ngicele imali mboleko kwa-Ualá?

Lapho ucela imali mboleko kwa-Ualá, kubalulekile ukwethula i-DNI noma umazisi osemthethweni, kanye nobufakazi bemali engenayo evamile.

Kuye ngenani eliceliwe, i-Ualá ingase icele amanye amadokhumenti ukuze iqinisekise ukuthi umfakisicelo uyakwazi ukukhokha.

Kuthatha isikhathi esingakanani ukugunyazwa kwemali mboleko eku-inthanethi?

Ngokuvamile, ukugunyazwa kwemali mboleko eku-inthanethi kungathatha imizuzu embalwa kuye emahoreni angu-48, kuye ngesikhungo.

Izinto ezifana nokuqinisekiswa kwamadokhumenti nenani lezicelo ezitholiwe zingaba nomthelela kulesi sikhathi, ngakho kuhle ukubuza umhlinzeki ngamunye ngokuqondile.

Kuphephile yini ukufaka izicelo zemali mboleko yomuntu siqu nge-inthanethi?

Ukufaka isicelo sezimalimboleko zomuntu siqu nge-inthanethi kungaphepha uma kusetshenziswa izinkundla ezaziwayo nezinokwethenjelwa.

Kubalulekile ukuqinisekisa idumela lombolekisi, nokufunda imigomo yemali mboleko nezinqubomgomo zobumfihlo ukuze uvikele imininingwane yomuntu siqu.