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Lolu uhlelo lokusebenza lwasebhange olubi kakhulu engake ngalusebenzisa, kanye nebhange elibi kunawo wonke engake ngasebenzelana nawo. Ngihlale emazweni angu-8 eMelika, eYurophu nase-Afrika, ngakho nginolwazi oluningi lwasebhange engingaluqhathanisa ne-BBVA. Bathumelela amakhasimende ama-imeyili mayelana nemikhiqizo (imigqa yezikweletu, izikweletu, njll), kodwa uma WONKE ama-ATM abo nezinsizakalo zedijithali ziphansi, okwenzeke kabili kulo nyaka, bayathula. Uhlelo lokusebenza akulula ukulisebenzisa futhi isixhumi esibonakalayo siyaxaka futhi siphelelwe yisikhathi. Okokugcina, futhi lokhu kubi kakhulu, abasebenzi basebhange badelele kakhulu futhi banesimo sengqondo esibi kakhulu. Futhi basebenzela kuphela amakhasimende mathupha kusuka ngo-8 kuya ku-11 ekuseni! Amahora ama-3 kuphela! Inkonzo yabo yamakhasimende inonya nje. Ngesinye isikhathi ngihamba ngaphandle kwe-EU futhi bavala ikhadi lami ukuze "livimbele ukukhwabanisa" phakathi nohambo lwami, nakuba ngangibatshele ukuthi ngiyahamba (futhi ngase ngihamba amasonto ambalwa kakade!) ulwazi, kodwa njengoba ngingakwazi ukuthola i-SMS enombolweni yami yeSpanishi njengoba ngangingaphandle kwe-EU, ikhadi lami lahlala livaliwe iholidi lami lonke, okwakuwukuphazamiseka okukhulu. I-BBVA ikholelwa ngephutha ukuthi lezi zinhlobo zezinyathelo zivimbela ukukhwabanisa, kuyilapho empeleni okuwukuphela kwento abayitholayo ukuthi ulwazi lomsebenzisi luyinhlupheko.
Izinga le-BBVA
I-BBVA CIB iwuphawu lomhlaba wonke lokuphumelela ekubhaleni phansi, ekuhlelweni nasekusabalaliseni izinsiza zezikweletu zamakhasimende ezinkampani. Ibhange lilungisa ukusebenza ukuze limboze lonke uchungechunge lwenani lenkampani lapho kufakwa khona ikhredithi.
Inethiwekhi yomhlaba wonke yochwepheshe ithuthukisa izixazululo zezezimali ezivumelana nezimo ezivumelana nezidingo zeklayenti ngalinye, yabelane ngolwazi lwezimakethe ezihlukahlukene ukuze kuqinisekiswe ukuthi ukusimama nokuphatha okuhle kukhona phakathi nenqubo yokuxhasa ngezimali, kuyilapho inikeza izixazululo ezingcono kakhulu zezezimali ngokuvumelana nezidingo zamakhasimende.
I-BBVA isiza izinkampani eziholayo emikhakheni eyahlukene efana nezimboni, ingqalasizinda, ezokukhiqiza, ezentengiselwano, ezokungcebeleka nezokudayisa. Umkhakha ngamunye udinga indlela ehlukile. Abanye bakhiqiza ukugeleza kwemali okuzinzile kodwa ngokufinyelela okukhethekile, kuyilapho abanye bedinga amandla aphezulu ukuze baqalise imodeli yabo yebhizinisi.
I-BBVA isebenza eduze namakhasimende ukuhlela, ukuhlela, ukwenza kanye nokuthengiselana, futhi ngezimoto ezahlukene iwahlinzeka ngokufinyelela eqenjini lomhlaba wonke labatshalizimali abavela eYurophu, e-United States, eMexico, eNingizimu Melika nase-Asia.
I-Bbva mortgage yabangewona abahlali
Ngaphezu kwenani ofuna ukulibuyisela, kuzodingeka ukhokhe inzalo kanye nenani njengesinxephezelo sokukhokha ngaphambi kwesikhathi noma ingxenye, okulingana nokulahlekelwa kwezomnotho Ibhange elingase libe nakho futhi okungaba:
Uma unomshwalense we-amortization futhi ukhokha imali mboleko ngokugcwele, umshwalense wakho uzoma. Uma ukhokhe umshwalense wakho isikhathi eside kunesikhathi se-Efficient Home Mortgage yakho, umehluko uzobuyiselwa.
Izinga lenzalo ye-mortgage engashintshi alishintshi, inqobo nje uma unolwazi lwakamuva ngezinkokhelo zakho, ungenawo amanani alindile ebhange futhi uhlangabezana nemibandela. Nokho, izaphulelo ongase ube nazo zingashintsha.
Izindleko zokuthenga nokudayisa azihlangene ne-mortgage. Ngakho-ke, ibhange alinasibopho sokuzikhokhela. Lezi yizindleko ezilandelayo Izintela (isibonelo, intela yokudluliswa kwempahla, i-VAT kanye nentela yefa) kanye nezindleko zokuphatha, ze-notary nezokubhalisa.
Ukuze ufake isicelo se-Mortgage yakho Yezindlu Ephumelelayo, kufanele unikeze imibhalo ethile, okuhlanganisa nomlando wakho wokuqashwa obuyekeziwe kanye nesitatimende sakho semali engenayo noma ubufakazi bemali engenayo (isibonelo, ama-payslips akho okugcina ama-3).
Imali mboleko yezindlu
Le mali ebolekiwe esheshayo inemali yokuzibophezela ongayibheka phakathi nenqubo yokufaka isicelo. Ngaphezu kwalokho, ungakwazi ukuyikhokha kusenesikhathi. Uma unquma ukukhansela ingxenye noma yonke imali oyibolekiwe egunyazwe ngaphambilini ngaphambi kwesikhathi esivezwe esicelweni, kuzodingeka ukhokhe ikhomishana yokukhansela engu-0,5% (wemali ezokhanselwa) uma sekusele izinyanga ezingaphansi kweziyi-12 ukuthi buyisela imali ebolekiwe, kanye ne-1% uma kusasele izinyanga ezingaphezu kweziyi-12.
Uma lokhu kwenzeka, kuzosetshenziswa inzalo ezenzakalelayo. Ngaphezu kwalokho, ukungakhokhi kungaholela emiphumeleni emibi kakhulu yezomnotho (isibonelo, ukudayiswa okuphoqelelwe kwendawo) kanye nezinkinga ekutholeni imali ebolekiwe esikhathini esizayo.
Ngaphambi kokusayina inkontileka, uzothola ulwazi olujwayelekile lwase-Europe mayelana nesikweletu somthengi. Ukuze linikeze imali mboleko ngemibandela yobuhlakani nesibopho, ibhange lingacela ukungenelela kommeli.
Yebo, uzoba nelungelo lokunqamula inkontileka yemalimboleko ngaphandle kokufaka izimali zokukhansela izinsuku eziyi-14 zekhalenda kusukela ngosuku lokusayina. Bekuzodingeka ukhokhe kuphela inzalo enqwabelene ngalezo zinsuku.
