Kana iwe wakanyorera kana uine chikwereti mune chero zvakajairika banking institution, zvirokwazvo wanzwa uye waziva iyo CIRBE izwi. Nhasi tinoda kutaura newe zvakadzama nezve chii chinonzi CIRBE uye ndechei kana uchinyorera chikwereti uye kunyange mogeji. Isu tinojekesa, uye tichazviita muchinyorwa chose, izvo CIRBE harisi runyorwa rwevanotadza kuita seASNEF iriKunyangwe zvese zviri zviviri zvinoshandiswa zvakanyanya nemabhangi, mashandisiro avo akasiyana zvakanyanya kubva kune mumwe nemumwe.
CIRBE inobatsira masangano kuti asarudze uye anzwisise zvirinani ndiani ari kukumbira chikwereti, achireva nhoroondo yavo yechikwereti.
Chii chinonzi CIRBE?
CIRBE ndiyo Risk Ruzivo Ruzivo rweBhangi reSpain, uye yanga ichishanda muSpain kubvira 1972, kunyanya kumabhangi, asi mazhinji mamwe mabhizimusi emari anoishandisawo, kunyangwe isiri yakaoma kudaro.
CIRBE dhatabhesi, sezvazviri, semuenzaniso, ASNEF, inodyiswa neruzivo rwemari yemabhangi, uye inotarisirwa uye inodzorwa neBhangi reSpain chairo.
Rondedzero yacho ndeyeveruzhinji, asi zvechivande, ndiko kuti, chero munhu anogona kuwana ruzivo rwuri pazita, asi pachikumbiro chekutanga chekuwana. Gare gare isu tinokuratidza maitiro ekuchikumbira.
Iyo rondedzero inodyiswa pamwedzi neese nemasangano ese, uye iyo data yezvikwereti zvese zvinodarika € 6000 yakanyorwa.
Mune iyo rondedzero, iwe uchave unokwanisa kuona zvese chikwereti chakasarudzika icho vanhu vanacho, zvichipa pfungwa yenhoroondo uye kugona chikwereti kwemunhu ari kunyorera chikwereti. Ruzivo rwezvivimbiso, zvikwereti (kwete chete zvikwereti), uye njodzi mune zvakawandisa kuti masangano emari ane vatengi vavo zvakanyorwawo.
Muchidimbu, CIRBE ndiko kunyoreswa kweruzivo rwunowanikwa nemasangano emari pamusoro pako.
Ngatipe muenzaniso: Kana iwe uriye anochengeta mogeji, CIRBE inonyora zvakanzi chikwereti, zita rako, nhamba yako yekuzivisa mutero uye huwandu hwechikwereti pakupera kwemwedzi wega wega. Uye izvo nechikwereti chimwe nechimwe kana kufamba kwaunoita pamusoro pe € 6000.
CIRBE ine zvinangwa zviviri zvakajeka:
- Ipa ruzivo kumatunhu nezve chikwereti chevatengi vavo uye kugona kubhadhara.
- Ipa iyo Bhanga reSpain neruzivo uye nekwaniso yekutarisa uye kuongorora mashandiro ese ese echikwereti masangano anoshanda muSpain.
CIRBE inoshanda sei?
Se database yazviri, CIRBE inofanirwa kugara ichidyiswa kuitira kuti kubatsira kwayo kuenderere mberi zvakanyanya, ndosaka masangano achisungirwa kutumira ruzivo mwedzi wega, zviito zvese zvezviitwa zvavo, vanobata, nedata ravo, hunhu uye mamiriro .
Sezvatakambotaura, mashandiro anoitwa akaenzana kana akakurisa kudarika € 6000.
Makambani anofanirwa kutumira ruzivo rwako ndeaya:
- Mabhangi
- Mari yekuchengetedza
- Mibatanidzwa yemakwereti
- ICO
- Matavi muSpain ezvekunze masangano
- Guarantee mari
Ruzivo urwu rwunobatsira masangano kuti anzwisise njodzi mukuita kwavo.
Ndeupi musiyano uripo pakati peCIRBE neASNEF?
Vanhu vazhinji vanozvitenda izvozvo CIRBE nderimwe runyorwa rwevanokanganisa vakaita seASNEF, uye hapana padyo neichoicho.
CIRBE dhatabhesi uko njodzi dzenzvimbo dzechikwereti dzinounganidzwa, kutanga pa € 6000, zvisinei nekuti mashandiro akamirira kubhadhara
Ruzivo rwekupara runofanirwa kuziviswa, asi kune madhatabhesi akadai seMari Kiredhiti Masangano
CIRBE inongodzora ruzivo rwenjodzi kuitira kuti masangano agone kusarudza uye kuyera kugona kwekubhadhara kwevatengi vavo, kunyangwe ivo vachigona kutsigira nemibvunzo kuASNEF kana mamwe mazita akafanana.
Masangano echikwereti anogona kuwana ruzivo rwangu pasina mvumo here?
Muchidimbu, hongu. Asi pane nuances.
Paunonyorera kuti uwane chikwereti, Mutemo unobvumidza chinzvimbo icho iwe chaunokumbira kuti chikwanise tsvaga ruzivo rwauinarwo muCIRBE, pasina kuda kukumbira mvumo yako kuti udaro.
Ehezve, iro sangano rinosungirwa kukuzivisa iwe nezvekodzero yainofanira kuita kudaro, pasina zvinoreva kuti iwe unogona kana kuti haungarambe, inongova ziviso yakanyorwa.
Maitiro ekuwana yako data muCIRBE
Sezvatakambotaura, dhatabhesi iri rakavanzika, kunyangwe iri yeruzhinji, zvinoreva kuti chero munhu wechisikigo kana wepamutemo anokwanisa kuwana ruzivo.
Isu tinokuyeuchidza kuti kuwana kuri pachena, uye kwete chete iwe unogona kuzvibvunza, asi iwe une kodzero yekugadzirisa ruzivo iwe rwaunowana zvisiri izvo, unogona zvakare kuziva kuti ndeapi masangano akawana ruzivo rwako mumwedzi mitanhatu yadarika.
Sei? Bhanga reSpain rakavhura nzira nhatu dzeizvi:
- Kubudikidza neiyo Virtual Hofisi yeBhangi yeSpain, kune izvi zvakakosha kuve neDNIe uye chishandiso chinoshanda pakombuta yako. Uye zvakare, iwe unoda chitupa chedigital kubva kuNational Mari uye Stamp Fekitori.
- Iwe pachako, unogona kuenda kumahofisi eCIRBE kuBhangi reSpain, iri kuCalle de Alcalá 48 muMadrid, uchifanirwa kupa yako yazvino uye yakagadziridzwa DNI kana NIE.
- Netsamba (hongu, tsamba dzichiri kushandiswa), kutumira chikumbiro kukero:
Bank of Spain
Risk Ruzivo Ruzivo
Alcala Mugwagwa 48
28014, Madrid
Tsamba yacho inofanirwa kusainwa, iine fotokopi yemativi ese eNIE kana NIE, uye kero kuitira kuti mhinduro itumirwe kwauri nepositi tsamba.
Ndeapi njodzi anofungidzirwa neCIRBE akadaro?
Parizvino tataura nezve izvo zvinogara zvichinyorwa izvo CIRBE inogadzira zvese zvemari ruzivo rwevagari veSpain, asi ndeipi njodzi yechikwereti?
Njodzi yechikwereti iko mukana wechiitiko chakashata, mune iyi kesi, kutadza kwechikwereti.
Fungidzira kuti iwe unobvunza chinzvimbo chemari yemota yako, uye unopihwa iwe. Wakatenga mota nemari kubva kubhangi iyo yaunofanira kudzosa muzvikamu zve € 200 pamwedzi kweanosvika makore gumi, semuenzaniso.
Ndeipi njodzi? Kuti iwe haubhadhare chikwereti chakadai mwedzi wega wega uye nekudaro, iro bhodhi haritore mari yaro, njodzi ingangove iri huwandu hwese hwechikwereti.
Kune mhando mbiri dzenjodzi dzinobatwa neCIRBE:
- Dambudziko rakanangana: Dzinotangwa nezvikwereti kana zvikwereti uye kuchengetedzwa kwemari yakatarwa.
- Njodzi dzisiri dzakananga: Ivo vanowanikwa nekutsigira kana kuvimbisa zvikwereti zvavo kana zvikwereti kune vamwe mapato (iwo mashoma huwandu hwenongedzo husina kunangana i € 30.000)
CIRBE inobata sei chikumbiro changu chechikwereti?
Mabhangi anoshandisa ruzivo rwese kusarudza kana kwete kupa chikwereti, kana iyo mari yavanogona kuisa panjodzi kana vachipa iyo.
Kana iwe usingaonekwe muCIRBE, zvinoreva kuti bhanga harina maturusi ekuziva njodzi, kana kuti, chikwereti chako, izvo vazhinji vedu zvatinoziva se "nhoroondo yechikwereti"
Kuonekwa muCIRBE hakuna kushata, kutaura zvazviri, hazvidzivirike kuoneka kana iwe wakanyorera zvikwereti kana zvikwereti zvinopfuura € 6000, dambudziko nderekuti ungaonekwa sei muCIRBE.
Nguva CIRBE harisi runyorwa rwevanotadza kushandisa, Ehe, zvinogona kukanganisa iwe kuva nezvakawanda zvikwereti, kunonoka kubhadhara kana chirevo chekutadza pane chero chikwereti chako.
Rangarira, zvakadaro, kuti, mune ino faira, hapana ruzivo rwechinhu chero chipi, kungori chikwereti, zita rako uye mhando yechikwereti.
Mazano
Kunyangwe iwe usina simba pamusoro peruzivo rwuripo pamusoro pako muCIRBE, unogona kuita zvinhu kuti ubatsirwe kubva kune iyi dhatabhesi yeruzhinji uye kudzivirira matambudziko kana kuvhara kwekuwana chikwereti mune ramangwana.
Naizvozvo, tinokupa mamwe mazano:
- Pane dzakawanda nguva, masangano emari anobvunza vanyoreri zvakananga kana vaine zvikwereti kana zvikwereti nezvimwe zvinhu. Usambofa wakanyepa, kunyangwe nechikonzero chekukanganwa kana kuvhiringidza ruzivo. Iva akatendeseka, zvakadaro, ivo vanozoongorora iyo faira uye vazive kana iwe uchinyepa kana kwete.
- Nguva nenguva wongorora ruzivo irwo mufaira rako muCIRBE: iwe unozogona kuona iwo ruzivo urwo rwese kiredhiti institution inoona nezvako, uye zvakare, unogona kukurumidza kuona chero ruzivo rwakashata, kuti ugone kukumbira kururamisa kwayo nekukasira kubva kuCIRBE kana iyo Bhanga reSpain.
- Tarisa iyo ASNEF kana mamwe marondedzero akafanana, zvinogona kuti chikwereti chinorambwa, kwete nekuda kweruzivo rweCIRBE, asi nekuda kwekusabhadhara isingasviki € 6000, iyo yakanyoreswa mune yakashata faira.
- Gadzira rondedzero yakadzama yezvikwereti zvako, yezvaunobhadhara, zvawakabhadhara uye zvaunenge wakamirira kubhadhara, uine iyo data yekuti ndiani wauri kupa chikwereti uye nekwakabva chikwereti. Semuenzaniso: Chikwereti chemotokari, € 12.000, ini ndabhadhara € 6500, yakatarwa zuva 2020, € 215 pamwedzi, kuBhangi XYZ.
- Dzivisa pane zvese zvinowira mukuwandisa-chikwereti, ndiko kuti, kuti zvikwereti zvako zvinomiririra chikamu chakakosha chemari yako. Nyanzvi zhinji dzinoti hazvifanirwe kudarika 40% yemari yako. Bhengi rega rega rinoita zvidzidzo zvaro uye neruzivo kubva kuCIRBE uye muhoro wako, vanozoziva kuti une chikwereti sei uye kana uchikwanisa kutora chikwereti chitsva.
Aya matipi anokubatsira iwe kutora kushamisika kana uchinyorera chikwereti chako, uye zvese zvine chekuita nekushandiswa kunoitwa nemasangano echikwereti eruzivo rwakakura rwunopihwa kune CIRBE kune vese.