Yiba kwi Uluhlu lwabangeneleli yintloko ebuhlungu kuye wonke umntu. Abantu abangena apho bangena ngenxa yokungafezeki kwimali mboleko okanye kwinkonzo ethile enje ngombane, umnxeba okanye i-Intanethi. Kwakhona, umntu unokungeniswa ngempazamo. Inyani yile, ukuba ngumqondiso we ubutshaba ivala zonke iindlela zohlobo oluthile lwemali okanye ikhredithi evela ebhankini. Inkqubo ye- ityala, nokuba incinci kangakanani, rhoxisa zonke iintlobo zoncedo ngentlawulo ngezavenge okanye kumakhadi ebhanki.
Kubalulekile ukuba uqaphele ukuba xa umntu okanye iqumrhu libhalisela kwelinye kuluhlu, kufuneka lazise ummi ochaphazelekayo. Ngale ndlela, inkampani engumnini wefayile kufuneka yazise ummi ukuba ibhalisiwe. Kungenzeka, nangona kunjalo, ukuba umntu onetyala uyitshintshile idilesi yakhe, ngenxa yoko akafumananga saziso. Kwimeko apho, kubalulekile ukuba iqela elinomdla liphande ukuba ngaba luluhlu nokuba ungaphuma njani kulo. Apha siza kukunika iinkcukacha ezithe kratya.
Uluhlu okanye iifayile zabangaphumeleli eSpain
E-Spain kukho uluhlu olwahlukileyo lokuncamathisela abo basilelayo. Ubume babo bonke bulawulwa ngenqaku lama-29 le- Umthetho weOrganic woKhuselo lweDatha yobuNtu. Kule nqaku uthetha ngeenkonzo zolwazi kwi-solvency yezemali kunye nekhredithi, enyanisweni, ayikho enye ngaphandle kweenkampani ezibonelela ngeenkonzo zezemali. iifayile zobugwenxa. Ukubhalisa umntu, kufuneka ubonise ityala lakhe, igama kunye nenkampani okanye umntu onqwenela ukumfaka kuluhlu.
Ezinye zezona zidumileyo eSpain ezenza le ndima zezi:
- Umbutho kaZwelonke wokuSungulwa kweMali eziMali (i-Asnef).
- Ubhaliso lwezo kwamkelwa okungahlawulwanga (RAI).
- badexcug.
Indlela yokuba kolunye lolu luhlu kungenxa yokungahlawuli. Kwaye umbono wokuqokelela abantu kuzo kukuba: inye, hlawula ngokukhawuleza, kwaye ezimbini, ezinye izinto-ezinje ngeebhanki- bayazi ukuba ngubani ophepha ukunikezela ngemboleko okanye iikhredithi. Okwangoku, akukho sikhokelo somthetho esibonisa yimalini ekufuneka uyityaliwe ukufaka uluhlu. Njengokuba lo mmiselo ungekho, iifayile zinokungeniswa xa kukho naliphi na ityala elifunwayo.
Umzekelo, ukuba nenkonzo enjengamanzi, umbane okanye intambo kamabonakude sisizathu sokubandakanywa kuluhlu. Le nkqubo ibandakanya amanyathelo athile, awongezi mntu ngaphandle kolawulo. Oko kuthetha ukuba, umntu unokuqhotyoshelwa ngetyala lama-euro angama-50.
Ndazi njani ukuba ndiyinjubaqa?
Ukwazi ukuba ungomnye wabo ayisiyiyo into onokuyikhangela kwi-intanethi, kodwa ukuba unetyala le-invoyisi evela kwiinkampani ezibhalise kwesi sivumelwano okanye, uthathe ixesha elide kakhulu ekuhlawuleni, kunokwenzeka ukuba ululuhlu. Le yindlela elula yokufumanisa. Enye indlela yokwazi ukuba umntu uye ebhankini ayokufaka isicelo semali mboleko okanye ikhredithi kwaye athathwe kunye nomqobo wokungahlawuli kwelinye iziko.
Ezi, njengoko bekutshiwo ngaphambili, yenye yeendlela zokwazi ukuba ngaba ulwaphulo-mthetho. Nangona kunjalo, indlela isemthethweni ukwazi ukuba ukuluhlu Kungenxa yesaziso esivela kwinkampani enye. Kule meko, ishishini elihlomela umntu osemthethweni okanye wendalo kufuneka alazise kungaphelanga ixesha Iintsuku ezili-30 Ngokunjalo, inkampani engumnini wefayile kufuneka ikwazise umntu onetyala ngokufakwa kuluhlu.
Nokuba kunjalo, ukuze ube phakathi kolunye lolu luhlu, makufezekiswe ezi mfuno zilandelayo:
- Idatha yetyala (njenge-ID, amagama kunye nabanye) kufuneka ihanjiswe yinkampani okanye umntu omtyala yena.
- Elona xabiso liphantsi ukubhalisa umntu zii-euro ezingama-50.
- Yiba netyala elikhoyo, elingahlawulwanga kwaye lifunwe rhoqo yinkampani.
- Ityala alinakuba kwibango lolawulo, inkqubo yezomthetho okanye kuyo nayiphi na inkqubo ebandakanya impikiswano.
- Umntu okanye umxhasi wazisiwe ukuba, kwimeko yokungathobeli intlawulo, banokufakwa kolu luhlu.
- Ixesha lokuhlala kuluhlu yiminyaka emihlanu.
Ngaba inokuba kwifayile ngempazamo?
Ukuba kuyenzeka. Ngapha koko, kuthathelwa ingqalelo ukuba zininzi, zininzi izinto ezifakiweyo ngempazamo. Uninzi lwezomthetho nezendalo zikuluhlu ngaphandle kokuba zinamatyala okanye ngaphandle kokuhambelana neemfuno ezichazwe apha ngasentla. Ngamanye amaxesha, ezi "mpazamo" azithetheleleki, kwezinye, kukuzenzela ubuqhetseba okanye ukuqesha ngobuqhetseba.
Ukuba le yimeko yakho, into onokuyenza, okokuqala, qinisekisa ukuba awunamatyala okanye izivumelwano kunye nenkampani etyikitye igama lakho. Emva koko, kunokwenzeka ukuba wenze ibango ngokuchasene nenkampani okanye ishishini lokufayilisha kunye nokufuna a imbuyekezo. Ngayiphi na imeko, kubalulekile ukuba ucime igama lakho kwaye ufumane imbuyekezo ngalo.
Elinye inyathelo eliza kuthathwa kukubhalela umnini wefayile ibango lokufakwa. Kufuneka aphendule zingaphelanga iintsuku ezingama-30. Ukuba awenzi njalo, unokwenza isikhalazo ku-Aepd apho kuya kuvulwa ifayile kwaye uya kufumana isohlwayo.
Uhla njani kuluhlu lwabantsundu?
Ekuphela kwendlela yokuphuma kuluhlu yile Hlawula ityala. Ngexesha lokuhlawula kunye nokuhlawula okungahlawulwanga, inkampani kufuneka yazise inkampani engumnini wefayile. Kwisithuba senyanga igama liya kususwa kuluhlu. Unokwenza ngokwakho kwaye uthumele ubungqina bokuhlawula kunye nefotokopi yesazisi sakho kunye negama elipheleleyo kwinkampani ekwifayile. Ngale ndlela, lahla amathandabuzo kwaye uqiniseke ukuba igama lakho liyakususwa kuluhlu kungekudala.
