Ukuba unomdla wokwazi yonke into malunga ne mboleko ye ngasebenzi, Ukwindawo echanekileyo, siyazi ukuba ngamaxesha amaninzi xa sikwinqanaba lokukhangela umsebenzi, iindleko ezininzi zinokuvela ezinokuthi mhlawumbi ngogcino lwethu singakwazi ukuzihlawula, kungoko kubaluleke kakhulu ukwazi ukuba zeziphi zonke iindlela esinokukhetha kuzo. . Ngoko awukwazi ukuyeka ukufunda eli nqaku.
Abaninzi baye bazibuza ukuba injani inkqubo yokufaka isicelo semali-mboleko kubantu abangaphangeliyo? Kuba kufuneka uqhubeke ufunda eli nqaku, siya kukunika lonke ulwazi.
Usenza njani isicelo semali-mboleko kwabo bangasebenziyo?
Siyazi ukuba yonke into enento yokwenza nemali-mboleko okanye iikhredithi xa singaqeshwanga inokuba ngumcimbi onzima kakhulu, kuba akukho nkampani yebhanki okanye yenkxaso-mali enokuziva ikhuselekile ukusinika yona, ekubeni singenayo imali eqhelekileyo esiyivumelayo. ukuba uhlangabezane nezavenge zenyanga ukuze ukwazi ukuhlawula ityala.
Nokuba ungazifumana ufumana into eyaziwa ngokuba yi-unemployment subsidy, iibhanki bezingekaziva zikhuselekile ekubeni zikwazi ukukunika imali mboleko, ukuze sicinge ukuba, ngenxa yokuba ndingaphangeli okanye ndingaphangeli, akufanelanga sizame nokuzama. isicelo semali-mboleko.
Impendulo ekhawulezayo kulo mbuzo iya kuba "Hayi", kwaye oku kungenxa yesizathu esele sichazile ngasentla kwimihlathi emibini edlulileyo. Kwaye kukuba iibhanki zikwazi ukunika olu hlobo lweenzuzo kufuneka zibe neziqinisekiso ezithile, ngokusisiseko kukuba unazo zonke izibonelelo eziyimfuneko ukuze ukwazi ukubuyisela imali ebolekiweyo kwiiakhawunti ezitofotofo eziza kubizwa ngenyanga, ngekota, ngesiqingatha. -ngonyaka okanye ngonyaka kuxhomekeke kwindlela ekhethiweyo. Oko sikubiza izibonelelo eziyimfuneko kunokubonakaliswa kwimali egcinwe, umvuzo wenyanga, iimpahla zentsapho, phakathi kwezinye.
Ke ngokusekwe kuko konke oku, bekuya kuba yintoni na iinketho zakho xa ufuna ukuyicela, kufuneka ubonise ibhanki ukuba unezibonelelo, mhlawumbi hayi kwimivuzo yenyanga, kodwa kwisavings egcinwe ebhankini okanye kwii-asethi zosapho, kule nto. I-Xa ibhanki inalo lwazi, iya kuqhubeka ukwenza uvandlakanyo olufanelekileyo lwaloo mali, ngale ndlela ikwazi ukuqinisekisa ukuba umntu akayi kushiyeka enetyala kubo, kodwa kunokuba unezibonelelo.
Ngokusekwe koku, kubaluleke kakhulu ukuba xa sizifumana singaphangeli sizivavanye kakuhle zonke ezi zinto, kuba mhlawumbi endaweni yokusinceda nokuba sisiqabu, into yokucela imali-mboleko inokuba liphupha lethu elibi kakhulu kwaye isibeke kobi kakhulu. imeko yethu yemali.
Amanqaku Amanqaku
Kubalulekile ukwazi ukuba le nkqubo yovavanyo ebesithetha ngayo ngaphambili ibizwa ngokuba "yi-Scoring", ngoko ke sinokuzibuza ukuba le nto iqulathe ntoni. Ngokusisiseko, uvavanyo lulonke lwenziwa kumxhasi, kungekuphela nje izinto zakhe nezinto azigcinileyo, kodwa nemiba efana nomsebenzi, iminyaka, ubume bomtshato kunye nobunganga bomsebenzi zibandakanyiwe (Le ngongoma ithathelwa ingqalelo ukuba unomsebenzi ixesha lokwenza isicelo, ngaphandle koko, le ngongoma ibekwe kuvavanyo olunikwe abangaphangeliyo).
Ukuba, xa udibanisa onke amanqaku, ixabiso lingaphezulu kobuncinci obusekwe yiloo bhanki ukuze ukwazi ukuboleka imali, ngoko kuya kuvunywa kwaye uqikelelo lwemali yekhredithi onokuyinqwenela iya kunikwa.
Siyazi ukuba unokuba nomdla wokwazi ukuba zeziphi eziphambili Iimpawu zetyala, ngenxa yoko siyakumema ukuba ufake ikhonkco yangaphambili kwaye ufumane yonke le ngcaciso, ekubeni ukuba unomdla wokufaka isicelo semali-mboleko kulungile ukuba uyazi yonke into ebandakanya oku. Ungayeki ukuyifunda.
Iimfuno zokufaka isicelo semali-mboleko kwabo bangasebenziyo
Kwimeko apho ungaphangeliyo kodwa uvavanyo lwamanqaku lukunike amanqaku akuvumela ukuba wenze isicelo semali-mboleko, kufuneka uthathele ingqalelo into yokuba kuyimfuneko ukuhlangabezana nezinye iimfuno ezongezelelweyo, esiza kuzikhankanya ngezantsi:
- Ukuba mdala ngokusemthethweni (ngaphezulu kweminyaka eyi-18 ubudala)
- Yiba nobuzwe baseSpain (Ukuba akunjalo, ube nemvume yokuhlala enye ubuncinane)
- Ukungabi namatyala okuhlawula alindelekileyo (Kukho umyinge wemali engafanele ugqithwe, kwiibhanki ezininzi le yi-euro eyi-1000, kodwa kubalulekile ukuba ungaya kwibhanki yakho kwaye ngale ndlela ungqinele olu lwazi)
- Ukongeza ekuboniseni ubungqina bomvuzo wenyanga (Ezi zinokuba zezemali-mboleko, izibonelelo, ipenshoni, phakathi kwezinye, indlela ayinandaba, kodwa kufuneka iboniswe)
Ukuba uthobela yonke into esiyikhankanyileyo ukuza kuthi ga ngoku, ke ukwindlela elungileyo, ngaphandle koku kuya kufuneka ubonise oku kulandelayo:
Gcwalisa ifom enokuthi ibe yeyoqobo okanye ungayenza ngewebhusayithi yebhanki apho ufaka khona isicelo semali-mboleko. Kule fomu uya kucelwa iinkcukacha ezahlukeneyo ezifana negama lakho elipheleleyo, inombolo yesazisi (DNI) kunye nobungqina besiqinisekiso somvuzo wakho.
Emva koko, ukuqinisekiswa kwedatha eyanikezelwa kwiqumrhu lebhanki kuqhutywa kwaye ngale ndlela, ukukwazi ukukunika impendulo, enokuthatha ukusuka kwiiyure ukuya kwiiveki, ngoko kufuneka ube nomonde omncinci kwaye ulinde. uvandlakanyo oluhambelanayo.
Ngale ndlela, inkqubo iya kugqitywa ukuze ikwazi ukugqibezela imali-mboleko ehambelanayo okanye inkxaso-mali, ikunika izixa zokwenyani nezinokubakho ezinokukunceda ufezekise injongo ethile oyidingayo le mali.
Ke ngoku uyazi, nangona ukucela imali-mboleko kubantu abangaphangeliyo kunokuba nzima ngakumbi kwaye unokuba nemiqobo eyongezelelweyo, musa ukukhawulelana nokuyenza. Ekubeni kuxhomekeke kuvavanyo lwakho unokumangaliswa, ewe, uhlale usenza ngokuqaphela, ukuze oku kube luncedo kubomi bakho kwaye kungabi yintloko.
Phantse ngalo lonke ixesha amaqumrhu emali ekukhathalele ukukunika ezinye iindlela ezikuncedayo wenze ezona zigqibo zilungileyo, ngoko ungalibazisi ukubamamela kwaye uthathe iinketho ezinokukunika zona.
Siyathemba ukuba sikuncedile ukusombulula onke amathandabuzo akho malunga nokubolekwa kwemali kwabangasebenziyo, kodwa njengoko sisazi ukuba eminye imibuzo eyongezelelweyo inokuhlala ivela, siyakukhuthaza ukuba ubukele le vidiyo ilandelayo, kunye namanye amanqaku ongezelelweyo aya kukunceda ufumane ulwazi oluninzi malunga noku. umxholo .