Yiba ku uhlu lwabasebenza ngokungafanele kuyikhanda kuwo wonke umuntu. Abantu abangena lapho benza kanjalo ngenxa yokungahambi kahle kwemali ebolekisiwe noma enye insizakalo efana nogesi, ucingo noma i-Intanethi. Futhi, umuntu angafakwa ngephutha. Iqiniso ukuthi, ukuba sethokheni le ubuqili ivala yonke imigwaqo yohlobo oluthile lwezezimali noma isikweletu esivela ebhange. I- isikweletu, noma ngabe mncane kangakanani, khansela zonke izinhlobo zosizo ngokukhokha kancane kancane noma amakhadi asebhange.
Kubalulekile ukukhumbula ukuthi lapho umuntu noma inhlangano ibhalisela enye ohlwini, kufanele bazise isakhamuzi esithintekile. Ngale ndlela, inkampani engumnikazi wefayela kufanele futhi yazise isakhamuzi ukuthi ibhalisiwe. Kungenzeka, noma kunjalo, ukuthi okweletayo ushintshe ikheli lakhe, ngakho-ke akasitholanga isaziso. Kuleso simo, kubalulekile ukuthi umuntu onentshisekelo aphenye ukuthi ngabe usohlwini nokuthi uzophuma kanjani kulo. Lapha sizokunikeza imininingwane ethe xaxa.
Uhlu noma amafayela wabakhokhayo eSpain
ESpain kunezinhlu ezahlukahlukene zokunamathisela labo abenza iphutha. Isakhiwo sabo sonke silawulwa yi-athikili 29 ye Umthetho we-Organic Ekuvikelweni Kwemininingwane Yomuntu. Kule ndatshana ukhuluma ngezinsizakalo zolwazi ngokuxazululwa kwezezimali kanye nekhredithi, empeleni, okungeyona into ngaphandle kwezinkampani ezihlinzeka ngezinsizakalo zezezimali. amafayela ngobugebengu. Ukubhalisela umuntu, kufanele ukhombise isikweletu anaso, igama kanye nenkampani noma umuntu ofisa ukumfaka ohlwini.
Abanye abadume kakhulu eSpain abafeza le ndima yile:
- I-National Association of Financial Credit Establishments (Asnef).
- I-Registry Yokwamukelwa Okungakhokhelwa (RAI).
- I-Badexcug.
Indlela yokuba kolunye lwalezi zinhlu kungenxa yokungakhokhelwa. Futhi umqondo wokuqoqa abantu kuzo ukuthi: eyodwa, ukhokhe ngokushesha okukhulu, futhi ezimbili, ezinye izinhlangano - njengamabhange - zazi ukuthi ngubani okhona ukugwema ukunikeza imali mboleko noma amakhredithi. Okwamanje, alukho uhlaka lwezomthetho olukhombisa malini okumele ikweletwe ukufaka lolu hlu. Njengoba umthethonqubo onjalo ungekho, amafayela angafakwa uma kunanoma yiliphi inani.
Isibonelo, ukuba nenkonzo enjengamanzi, ugesi noma ithelevishini yekhebula yisizathu sokufakwa ohlwini. Le nqubo ifaka izinyathelo ezithile, awungezi umuntu ngaphandle kokulawula. Lokho kusho ukuthi umuntu angaxhunyaniswa ngokukweleta ama-euro angama-50.
Ngazi kanjani ukuthi ngiyisigebengu?
Ukwazi ukuthi ungomunye wabo akuyona into ongayiseshela ku-inthanethi, kodwa uma ukweleta i-invoyisi evela ezinkampanini ezibhalise kulesi sivumelwano noma, uthathe isikhathi eside kakhulu ekukhokheni, kungenzeka ukuthi usohlwini. Le yindlela elula yokuthola. Enye indlela yokwazi ukuthi lapho umuntu eya ebhange eyofaka isicelo semalimboleko noma isikweletu futhi athathwe ngesithiyo sokungakhokhelwa kwenye inhlangano.
Lokhu, njengoba kushiwo ngaphambili, kungenye yezindlela zokwazi ukuthi unesigebengu yini. Noma kunjalo, indlela kusemthethweni ukwazi ukuthi ngabe usohlwini yini Kungenxa yesaziso esivela enkampanini efanayo. Kulokhu, imboni enamathisela umuntu osemthethweni noma wemvelo kufanele ayazise kungakapheli isikhathi Izinsuku ze-30. Ngokufanayo, inkampani engumnikazi wefayela kufanele futhi yazise okweletayo ngokufakwa kwayo ohlwini.
Kunoma ikuphi, ukuze ube ngaphakathi kwalolu hlu, kufanele kuhlangatshezwane nalezi zidingo ezilandelayo:
- Imininingwane yomuntu okweletwayo (njenge-ID, amagama nokunye) kufanele ilethwe yinkampani noma umuntu omkweleta.
- Inani eliphansi kakhulu ukubhalisela umuntu ama-euro angama-50.
- Yiba nesikweletu esivele sikhona, esingakhokhiwe nesifunwa kaninginingi yinkampani.
- Isikweletu asikwazi ukuba kwisimangalo sokuphatha, inqubo yokwahlulela noma kunoma iyiphi inqubo efaka impikiswano.
- Ukuthi umuntu noma iklayenti lazisiwe ukuthi, uma kungalandelwa inkokhelo, bangangezwa kulolu hlu.
- Isikhathi sokuhlala ohlwini yiminyaka emihlanu.
Kungaba kufayela ngephutha?
Uma kwenzeka. Eqinisweni, kubhekwa ukuthi kukhona okuningi, okuningi okufakiwe ngephutha. Abantu abaningi bezomthetho nabangokwemvelo bakulolu hlu ngaphandle kokuba nezikweletu noma ngaphandle kokulandela izidingo ezibalulwe ngenhla. Kwezinye izimo la "maphutha" awalungiswa, kokunye kungumbombumbulu noma ukuqasha ngenkohliso.
Uma ngabe kunjalo, ongakwenza, okokuqala, qinisekisa ukuthi awunazikweletu noma izinkontileka nenkampani esayine igama lakho. Ngemuva kwalokho, kungenzeka ukuthi wenze isimangalo enkampanini noma embonini yokugcwalisa bese ufuna i isinxephezelo. Kunoma ikuphi, kubalulekile ukusula igama lakho bese uthola isinxephezelo ngalo.
Esinye isinyathelo okufanele usithathe ukubhala umnikazi wefayela ufune ukufakwa. Kumele aphendule zingakapheli izinsuku ezingama-30. Uma ungenzi njalo, ungafaka isikhalazo ku-Aepd lapho kuzovulwa khona ifayela futhi uzothola unswinyo.
Ungalushiya kanjani uhla lwabasebenza ngokungafanele?
Ukuphela kwendlela yokuphuma ohlwini yile ukhokhe isikweletu. Ngesikhathi sokukhokha nokuxazulula okungakhokhiwe, inkampani kufanele yazise inkampani engumnikazi wefayela. Kungakapheli nenyanga igama lizosuswa ohlwini. Ungazenzela futhi uthumele ubufakazi bokukhokha kanye nefothokhophi ye-ID yakho negama eligcwele enkampanini ekuleli fayela. Ngale ndlela, susa ukungabaza futhi uqiniseke ukuthi igama lakho lizosuswa ohlwini kungekudala.
