Idzo hope dzehusiku dzevanhu vazhinji vari kuona kuti vakapinzwa mukati iyo faira yevanotadza iyo ASNEF. Sezvatinoziva, ichi mubatanidzwa wezvemari uye zvechikwereti zvivakwa, umo makambani anokwanisa kuwana dhatabhesi kuti aone kana kana kwete munhu ari mukwikwidzi wemari.

Nehurombo zviri nyore kwazvo kuva inosanganisirwa mufaira irikana, sezvo kazhinji zvese zvinodiwa kudzorera bhangi, runhare kana risiti yebasa, kuti iratidzike seyakaipa mufaira.

Ehezve, kana munhu akaverengerwa mu runyorwa rwevanhu vari default, Aya mamiriro anova dambudziko rakakomba maererano nekutadza kuwana chikwereti kana kutoda kunyoreswa nekambani yenhare, gasi, magetsi, nezvimwe.

Pamwe chinonyanya kusiririsa chemamiriro ezvinhu aya ndechekuti iro rega uye rezvemari data revanhu vanobatanidzwa mu ASNEF vanokanganisa faira, vanogona kuramba vachiwanika kweanosvika makore matanhatu.

Zvakare zvinosuwisa kuti kazhinji, kune vanhu vasina kukosheswa mufaira iri nekuda kwekukanganisa kana nekuda kwechikwereti chisipo, kunyangwe nekuda kwedambudziko rine chekuita nekuba chitupa.

Maitiro ekubvunza kune Zvemari Kiredhiti Masangano?

Sezvinoratidzwa pamusoro, zviri nyore kwazvo kuoneka mune ASNEF inokanganisa zvinyorwa, saka pari zvino pane huwandu hukuru hwevanhu vari mumamiriro ezvinhu aya uye vanotadziswa kunyorera chikwereti uye kugadzirisa zvavanoda.

Kana munhu akanyoreswa mune izvi delinquent faira, panguva iyo iwe yaunonyorera chikwereti kana mogeji, ivo vanongozviramba.

Zvakataurwa pakutanga kuti kunyangwe zvimwe zvinopesana nemutero wefoni kana nekubhadharwa kwemasevhisi anokosha zvinogona kuve chikonzero chikuru chekambani kuisa data remunhu iyeye mu ASNEF vanokanganisa faira kana iye mune chero anopfuura gumi nematanhatu emafaira evasina kubatika ayo aripo kuSpain.

Kunyangwe iri iyo chikonzero chakarurama kana chisakarurama, chokwadi chega ndechekuti kune vanhu mamiriro aya anokuvadza zvechokwadi maererano nekutadza kuwana mari kana kutowana kadhi rechikwereti.

Icho chikonzero cheichi chiri nyore, ese mabhanga nemabhangi ekuchengetedza kazhinji haapi zvikwereti kana mamwe masevhisi kune vatengi vanoonekwa mune zvinyorwa zvevanotadza.

Ndokunge, ese aya emari uye echikwereti masangano anowanzo bvunza iyo faira yevanotadza iyo ASNEF Kuti uone kukosha kwechikwereti chekubhadhara kwemunhu ari kukumbira chikwereti. Mune mamwe mazwi, mabhangi, ekuchengetedza mabhengi uye zvimwe zvikwereti uye zvemari masangano inhengo dzeASNEF.

Kuti munhu abatanidzwe mufaira revane chikwereti neASNEF, chero eanotevera mamiriro anofanira kuitika:

• Kuti pane chechokwadi, chakadarika uye chakamanikidzwa chikwereti, icho chisina kubhadharwa
• Kuti munhu ave kunzi abhadhare chikwereti pazviitiko zvakasiyana zvisina kubudirira
• Kuti hapana humbowo hwehumbowo hunopokana nezvose zvakambotaurwa

Para siya ASNEF Izvo zvinodikanwa kukumbira kune iyo mubatanidzwa, kudzimwa kwechikwereti kuburikidza nemaneja. Panguva ino zvakakosha kutaura kuti munhu achazodiwa magwaro anoratidza kusavapo kwechikwereti, pamusoro pekuti ivo vanofanirwa zvakare kuratidza kopi yeID yavo.

Mufaro chikumbiro chichaendeswa kune ASNEF, musangano unofanirwa kupindura mukati memazuva asingasviki mazuva gumi nezve kubviswa kwedata revanhu rakabatanidzwa mufaira.

Kana pasina mhando yekutaurirana neASNEF kana kungoti mhinduro yako haigutse, ipapo munhu akabatwa anofanirwa kuenda kuAEPD uye ozoita chikumbiro chekuti nenzira imwecheteyo ichave nzira inotungamirwa neruzivo - nyika.

Dambudziko guru nemarekodhi evanotadza kuita nderekuti kune vanhu vanoonekwa mavari, hazvigoneke kuwana mari yemhando ipi neipi.

Saka kukosha uko munhu wese anoziva mashandiro anoita ASNEF faira uyezve ndedzipi kodzero dzevanhu vanoonekwa mune faira revanotadza.

Kana munhu achida kuwana kana kubvunza iyo ASNE defaulter fairaF kana kunyangwe chero faira revanotadza kuSpain nechinangwa chekuziva kana rakanyoreswa kana kwete, kana kana iwe uchida kukanzura kana kubvisa kunyoreswa kwakabhadharwa kana zvisiri izvo, zvakakosha kuti iwe usarudze kana mubvunzo wakataurwa uchienderana nemunhu chaiye, ndiko kuti, mumwe munhu, kana kumunhu ari pamutemo, ndiko kuti, kambani

Zvinoenderana neizvi kuti fomu rakaratidzwa uratidzwe.

Chii chekuita kana ichifungidzirwa kuti ichiverengerwa muFedhiyo Kiredhi Masangano?

Kana munhu achifungidzira kuti vanogona kuverengerwa mu ASNEF vanokanganisa fairaUne mvumo yekuwana iyo faira yesangano iri kuti utarise kana paine kambani yakanyatso wedzera data rako kufaira.

Kana iwe ukatarisa kuti dice yako iri chaizvo yakanyoreswa mufaera rekufaira, unofanirwa kutanga maitiro ekudzima data rako mufaira.

Chikumbiro chekukanzura Iyo data iri mufaira haina mutengo uye inogona kuitwa zvakananga kubva kuASNEF yepamutemo webhusaiti. Izvo zvakakosha, zvisinei, kuti sarudzo chaiyo inosarudzwa sezvo panguva iyo data revanhu vaviri nemakambani rinogona kubviswa.

Chikumbiro chekuwana dhata rako mufaira reASNEF rinokutendera kuti uzive:

• Ndiani kana iyo kambani yakusaina iwe, ndiko kuti, ndiani akawedzera data rako kune yakashata faira.
• Huwandu hwese uhwo hunodaidzirwa chikwereti
• Zuva iro raakanyoreswa mune yakashata faira
• Ndiani akabvunza yako yega data
• Ruzivo rwunoenderana nezve iye anotadza, pamwe nezvikwereti zvavo

Saizvozvo, iwe unogona kukumbira kubviswa kweiyo data mune iyo ASNEF's yakashata faira mune chiitiko icho:

• Chikwereti chakatobhadharwa, asi data remunhu richiri kuwanikwa mufaira
• Kana yave kuiswa mune iyo faira kwemakore matanhatu kana kupfuura
• Kana munhu anoonekwa mufaira asina kumbobvira aziviswa netsamba nezvekupinzwa kwavo mariri.
• Kana huwandu hwechikwereti husiri hwechokwadi kana huri mukusawirirana
• Kana chikwereti chisingaenderane nemunhu akaiswa mufaira kana zvichitaridzwa kuti ndivo vakabirwa kuba chitupa.

Mhedzisiro yekuve mune iyo faira yevanotadza iyo ASNEF

Munguva dzenjodzi, apo a munhu anoonekwa mufaira revane chikwereti cheASNEF hazvishamise chaizvo kune chero munhu. Zvinofungidzirwa kuti parizvino pane huwandu hwehunhu hweanosvika 5%, zvinoreva kuti mumwe chete pamakumi makumi maviri emakwereti anehunhu, chinova chinhu chinonetsa.

Takatotaura tisati taonekwa mune a runyorwa rwevanokanganisa vakaita seASNEF, Zvinoreva kuti kana uchinyorera chikwereti kana imwe mhando yechikwereti chemogeji, ivo havatipe iyo uye chikonzero cheichi ndechekuti masangano emari anowanzo tarisa aya mazita evanotadza kuziva kuti vangangoita mutengi anoonekwa mavari kana kwete .

Kana iwe parizvino uri kuenda kuburikidza ne kuderera kwehupfumi uye unoda imwe kiredhiti kana chikwereti kubhadhara mari yako, zvakanakisa kufambirana nekubhadharwa kwezvikwereti zvako. Kana iwe wakanonoka kana kungorega kubhadhara, hazvidzivirirwe kuti iwe uchaverengerwa mune runyorwa rwevanotadza veMari Kiredhiti Masangano

Kana izvi zvikaitika, zvingangoita kuti mari uye zvikwereti zvikwereti hazvikupe.

• Chikwereti kana chikwereti, kunyangwe iri mari diki
• Uyewo havazokutenderi kubatanidza zvikwereti
• Saina kunonoka kana kusavapo kweye mogeji nechero bhangi
• Nyorera chikwereti chemba kutenga imba
• Nyorera chikwereti kutenga mota nyowani
• Nyorera yekuwedzeredzwa chikwereti chemogeji
• Nyorera chikwereti kutanga bhizinesi rako wega

Kusabhadharwa kwechikwereti Izvo zvakare zvinounza mimwe mibairo yakakomba kune uyo ane chikwereti, kutanga nenyaya yekuti anozoverengerwa mune runyorwa rwevanotadza uye nekudaro, imba yake kana zvinhu zvaainazvo kusangana nechikwereti zvakatorwa. Izvi hazvo, chero bedzi mhosva yacho ichibudirira, iyo inofanirwa kunge yakambomiswa pamberi pedare.

Kubva panguva ino, munhu akaverengerwa mune runyorwa rwevanotadza ane mukana wekupa chibvumirano chekubhadhara, umo mari dzese dzemutemo dzichasanganisirwa, nekudaro kudzivisa kushambadzirwa neruzhinji kwezvinhu zvavo zvese.

Zvikasadaro, ivo vachashambadzirwa uye bhangi rinogashira mari yese kusvika padanho iro chikwereti chazara, kusanganisira kunonoka kubhadhara mubereko, makomisheni, pamwe nemari yemutemo, nezvimwe.