Yazi kulo lonke eli nqaku iinkcukacha zokusebenza kwe inkxaso-mali kunye no-Asnef kwaye ufumanise ukuba isebenza kwinkampani yakho.
Inkxaso-mali kunye no-Asnef
Nguye ojongene nokubhalisa kwisiseko sedatha zonke iikhredithi ezingahlawulwanga zabalingane bayo, ukuze onke amaqumrhu akwazi ukufikelela kwaye aqaphele ulwazi, okwabelwana ngalo phakathi kwamalungu ayo.
Ulwazi olukwisiseko sedatha alulawulwa ngumbutho ofanayo, kodwa yinkampani yabucala ebizwa ngokuba yi-EQUIFAX, i-multinational kwicandelo lokuhlalutya umngcipheko wetyala, nto leyo ngamanye amaxesha ibangela ukudideka, kuba umntu unokucinga ukuba kukho iidatha ezimbini ezahlukeneyo zedatha, kodwa kunjalo. hayi.
Ukusebenza koluhlu lwenkxaso-mali kunye no-Asnef
Izinxulumani, imibutho yezemali kunye neyabucala, inika ingxelo yokungahlawulwa kwabo kwa-Asnef. Olu lwazi lwenziwe ziinkampani kunye namaziko afana neebhanki, amaziko okuthenga ngetyala, ookopolotyeni, ookopolotyeni, iinkampani zonxibelelwano, ezonxibelelwano, iinkampani zeoyile, i-inshurensi yetyala, abapapashi beencwadi kunye nabasasazi, i-automation yeeofisi, abasasazi bamakhadi, abanini bemfonomfono, iinkampani zamandla, ukutya. iinkampani kunye nezibambiso kunye nee-arhente zokutshintshiselana ngempahla, phakathi kwabanye.
Kwaye yintoni enokuba neempawu zetyala lemali njengetyala lezorhwebo, kumacandelo ahlukeneyo. Okulandelayo, sikushiyela le mathiriyeli ye-audiovisual echaza indlela yokwazi ukuba sikuluhlu lwe-Asnef.
Ngokutsho oko kusekwe kuMthetho, phambi kokuba otyalwayo ibandakanywe data, kufuneka aziswe ngeleta kwiintsuku ezingama-30 emva kokuba isicelo sobhaliso kwidatha yokungahlawuli kwakhe, apho ulwazi kunye nenombolo yefayile ukubonisana. iinkcukacha zetyala ukuba ulihlawule okanye ucele ukucinywa kwalo ngaso nasiphi na isizathu. Ukuba akukho nxibelelwano luvela kumkweliti, luya kupapashwa e-Asnef emva kweentsuku ezingama-90.
Ungazi njani ukuba inkampani yam ikuluhlu lwe-Asnef?
Kukho iindlela ezininzi zokwazi ukuba inkampani ibandakanyiwe kuluhlu lwenkxaso-mali kunye no-Asnef:
- Ukuba umntu onetyala ufumene ileta, unokujongana neenkcukacha zetyala elingahlawulwanga ngeli khonkco, ebonisa inombolo yesalathiso echazwe kwileta.
- Okokugqibela, indlela engacwangciswanga yokufikelela kwidatha yakwa-Asnef kukucela ulwazi kwiibhanki ezithembekileyo, ngokuqhelekileyo, ziya kukwazisa simahla, nangona kunokwenzeka ukuba zingakunikezeli ngamaxwebhu, kuba ingeyiyo enye ye- iinkonzo abadla ngokunikezela ngazo.
Isicelo semali-mboleko yeenkampani ezikuluhlu lwe-Asnef
Umxholo wolu luhlu okanye unxulumano unomda kunye nenjongo esisiseko, okusisiphumo soko kukuqiniswa kofikelelo lwenkxaso-mali kwiinkampani, ngenxa yobudlelwane obukhoyo phakathi kwamaziko phakathi kwamaqumrhu abonisana no-Asnef njengenxalenye yenkqubo yokufunda ngomngcipheko kunye Inyani Ukungaphumeleli ukuvela yimeko ebalulekileyo ukuze umsebenzi wamkelwe.
- Ukuba ityala eliboniswe kwi-Asnef lincinci kwaye aliveli kwiziko lezemali, kunokwenzeka ukuba amathuba okuxhasa imali ahlale enokwenzeka, kwaye uya kukwazi ukucela imali-mboleko entsha phantsi kweemeko ezifanayo njengokuba inkampani ayizange ibonakale uluhlu.
- Ukuba ityala elivela ku-Asnef kwaye liyimali efanelekileyo kunye/okanye leleziko lezemali, izinto ziba nzima ngakumbi, kodwa akunakwenzeka:
- Isaphulelo senqaku elithembisayo kunye neFactoring: inkampani iyaqhubeka nokugcina amathuba ayo okuxhasa ngemali kunye nesaphulelo senqaku lesithembiso kunye nokubanjwa kwabathengi, nangona ngesekethe engeyiyo eyebhanki.
- Ukuqinisekisa: Nokuba ithini na imeko yenkampani, unokuhlala ulindele iintlawulo zakho zokuqinisekisa, kuba umngcipheko wetyala uwela kumxhasi wakho kwaye yibhanki enomgca ovuliweyo.
Intsalela yeemveliso zomngcipheko wezezimali, njengemali-mboleko okanye umgaqo-nkqubo wetyala, ziyavalwa xa inkampani ivela kuluhlu lwe-Asnef, ngaphandle kwakwimeko apho inkampani inokubonelela ngeziqinisekiso zokunyibilika kakhulu.
Ndingacela njani ukususwa kuluhlu lwe-Asnef?
Apha ngezantsi siza kukhankanya iindlela ezintathu zokuzikhupha kuluhlu lwe-Financial Credit Institutions
- Ukuhlawula ityala: Yeyona nto isebenzayo kwaye iyakhawuleza, ukuhlawula ityala kuyayisusa kwidatha kwaye kuthatha phakathi kwe-2 kunye ne-6 yeeveki. Kuyacetyiswa ukuba uhlawule ityala kwaye emva koko uqalise inkqubo yebango kunye nombolekisi ukuba ityala alichanekanga.
- Ukubhena ilungelo lokucima ityala kwirejistri xa ingalunganga, ngokulandela imodeli enikezwe yi-Arhente yaseSpain yoKhuseleko lweDatha. Kubalulekile ukubhala kakuhle izizathu zokuba kutheni ityala lingabhaliswa.
- Ixesha elimiselweyo lokuhlala kwidatha yiminyaka eyi-6, ngoko ke ukubhaliswa kwamatyala e-Asnef kucinywa, oko kukuthi, ityala elingahlawulwanga alikwazi ukupapashwa kwi-Asnef iminyaka engaphezu kwe-6, engathethi ukuba i-prescription efanayo.
Ukuba imakethi yezemali ibamba ingqalelo yakho, siyakumema ukuba ufunde ngakumbi ngeli khonkco lilandelayo Ipotifoliyo yotyalo-mali
Ngaba unokucima idatha kolu luhlu ngaphandle kokuhlawula ityala?
Kungumthetho ukuba nje ukuba izibophelelo ezilindileyo zingacinywanga, idatha yenkampani okanye yomntu ayiyi kukhutshwa okanye ikhutshwe kwi-Asnef. Njengoko kukhankanyiwe ngasentla, esi sehlo sinokuhlala ukuya kutsho kwiminyaka emi-6. Kwiminyaka yakutshanje kukho ukuxhomekeka okubalulekileyo, iinkampani kunye nabantu kwi-100% mboleko yebhanki ukuze bazixhase.
Le meko itshintshile kakhulu, kunye nokukhula kwamanye amaziko emali kunye nezisombululo ezingabandakanyi i-Asnef ukwenzela ukuba namhlanje kunokwenzeka ukufumana imali kungakhathaliseki ukuba ingabandakanyiwe kwidatha okanye ifayile.
Ithatha ixesha elingakanani ukuba u-Asnef andicime kwifayile yakhe yobuqhophololo?
Ukuphelisa idatha kuluhlu lwe-Asnef lujika lukhawuleza kwaye lulula. Ukucinywa kwedatha yakho yokugqibela inokuba kwangaloo mini, ukuba nje ukucinywa kwetyala kuqinisekisiwe okanye sihlangabezana nazo naziphi na iimfuno ezingentla. Kwisithuba esingangenyanga akufuneki kubekho ingxelo yokuhlala kwethu kuMaziko oTyala lweMali.
Ukuba ulwazi lomntu siqu luyaqhubeka lubonakaliswa kwezinye iinkcukacha okanye iifayile njengobunjubaqa, kufuneka sifune ukupheliswa komntu ngamnye kubo, nokuba yinkampani ebanga ityala, lowo ujongene nokucela ukupheliswa kwedatha.
Yazi ukuba kutheni unokuvinjwa inkxaso-mali
Ukunqongophala kwenkxaso-mali ngumqobo omkhulu koosomashishini abaninzi kunye noosomashishini, ngoko ke, kuyinto eqhelekileyo ukuba uzibuze ukuba kutheni benokukwalela inkxaso yemali xa uyicela.
Izizathu zihluke kakhulu, kodwa izinga lomngcipheko yinto ephambili; Amaziko emali avavanya iprofayili yomenzi-sicelo kunye ne-solvency, ngokusekelwe kwingcaciso yemali enikiweyo.
Namhlanje inzima kakhulu kwaye ifuna, kuba iibhanki zibeka iimfuno ezingqongqo zokunika imali mboleko. Oku kwaphula isikimu semveli esasixhasa iinkampani kunye nomgangatho wokuthembeka okwagcinwayo.