Chii chinonzi ASNEF?
Zvichida vashandisi vazhinji havazive zvinorehwa nemaacronyms aya, ayo anozivikanwa neimwe nzira. Zvakanaka, ASNEF ndeimwe yeayo marekodhi ehutsotsi inonyanya kushandiswa muSpain nemakambani uye masangano echikwereti. Inopindirana neNational Association of Financial Credit Establishments. Uye isangano rine mukurumbira rebhizinesi reSpanish rinounza pamwechete masangano emarudzi ese anoonekwa semari yechikwereti.
Iwe unofanirwa kuziva kuti kana uine mari yakamirira kana zvikwereti kumabhanga, makambani emagetsi kana nharembozha unenge uine mavhoti ese kuti ave pamazita avo. Kubva kune mamwe masangano anochengetedza hukama nevatengi vanogona kuwana data rako. Nechinangwa chekutanga kuziva kuti vatengi vanotadza ndivanani uye pasi pemari yakadii aya mafambiro asina chikwereti anoitwa. Chimwe chinhu chauri kufarira kuziva ndechekuti inobata vese vanhu nemakambani. Ndokunge, kana iwe uri mudiki uye wepakati-saizi muzvinabhizinesi, unogona zvakare kuoneka pane idzi rondedzero.
Nekune rimwe divi, chinoshamisira chinounzwa nemubatanidzwa uyu ndechekuti, zvinoenderana nemirairo iripo, haugone kuve mufaira. anopfuura makore matanhatu pasina iwe kuziva kuti kambani ndiani akakuisa mumamiriro ezvinhu asingafadzi aya. Naizvozvo, chinangwa chako chekutanga ndechekubvisa kunyoresa kubva kuiridzi pamusoro peimwe nhevedzano yehunyanzvi hwekufunga. Izvi mukuita zvinoreva kuti hauzove nesarudzo kunze kwekusiya mafaera kuitira kuti iwe ugone kudzoka kuzowana yakavanzika mari.
Kana nokuda kwechikonzero chipi nechipi, iwe unofunga kuti pave nekukanganisa, mhinduro inokurumidza ndeyekutsvaga arbitration process kana, kutadza izvozvo, tanga nzira yepamutemo pamberi pechisarudzo ichi. Ichagara kwenguva yakati uye inoda mari yehupfumi yekuhaya nyanzvi dzinodzivirira chinzvimbo chako. Muzviitiko zvese, chaunofanirwa kuita kuita kuti zita rako rinyangarike kubva pamazita evanotadza, senge rakagadzirwa neASNEF.
Ndinoziva sei kana ndiri muASNEF?
Kuziva kana isu tiri pane rondedzero yevanotadza, senge ASNEF kana mamwe akafanana, ibato rakakosha nekuti rinogona kutidzivirira kubva mukuratidzwa kumabasa asingadiwi nevashandisi. Pakati pezvimwe zvikonzero, nekuti kana isu takaverengerwa mune iyi runyorwa, ichokwadi kuti bhangi redu havazotipa chero mutsara wechikwereti: zvemunhu, zvekushandisa, zvehunyanzvi kana zvekutenga imba. Kusvika padanho rekuti tichafanirwa kuenda kune isiri yebhangi entity inokwanisa kuzadzisa zvido zvedu zvemari.
Chimwe chatinofanira kufunga nezvacho ndechekuti tinokwanisa kujoina rondedzero yevanotadza kubhadhara chikwereti chete, kwete kungobhadhara chikwereti. Kana zvisiri izvo zvinopesana, nechinzvimbo chechikwereti pamberi pemushandisi wefoni, magetsi kana chero rudzi rwemarisiti epamba. Hazvishamisi kuti masangano emari anokwanisa kuwana iyi data yevatengi. Mumaminitsi mashomanana vachaziva mamiriro chaiwo atiri kutarisana nekubhadhara mumakambani emhando idzi. Ichi ndicho chimwe chezvikonzero zvikuru nei zviri nyore kuve munzvimbo dzisiri-mukwereti uchipokana nemakambani ebasa aya.
Kana nekuda kwechimwe chikonzero isu tiri pane rondedzero yeaya maitiro, sarudzo yedu yakanaka ichave yeku siya kana zvisati zvaitika Zvimwe chete. Zvingave zvekubatsira isu pachedu kana kungodzivirira kuve nechero rudzi rwezvipingamupinyi mukutarisana nekudiwa kwemutsara wechikwereti mubhangi redu. Ichava, muchidimbu, nzira inoshanda uye iri nyore yekudzivisa chero rudzi rwematambudziko kubva zvino zvichienda mberi. Iwo mazita evanokanganisa haasi shamwari yakanaka yevashandisi mune chero mamiriro uye mamiriro ehupenyu hwavo. Usazvikanganwe kubva zvino zvichienda mberi.
Nzira yekuziva sei kana ndiri muASNEF?: ine nhamba yereferensi uye isina referensi nhamba
Sezvo mwero woutsotsi wakawedzera mumakore achangobva kupfuura aya, zvakajairika zvikuru kuti vanhu vawanikwe vari muaya mamiriro ezvinhu asinganyanyi kudiwa navo. Tichifunga nezvemamiriro ezvinhu, ichave iri nguva yechokwadi yekuziva kana ndiri chaizvo pane rondedzero yeaya maitiro. Kana nechikonzero chipi zvacho, wakarasa nhamba yereferensi, sekusava netsamba yeASNEF, uchave nehurongwa hwakakwana hwekujekesa kusahadzika uku.
Imwe yeinonyanya kushanda ndeye tumira email kukambani ino kuti vataure chimiro chako panguva iyoyo. Iwe unofanirwa kudhinda tsamba yekubvunza, kusaina uye kuitarisa kuti uitumire pamwe chete nekopi yeNational Identity Document (DNI). Munguva pfupi iwe unofanirwa kuve uine yako mhinduro, uye kana zvichikodzera, ruzivo kana data iro kambani inaro pamusoro pechinzvimbo chako chechikwereti. Kufanana nemari yavanoda munzvimbo dzako dzekubhadhara.
Ukuwo kune rimwe divi, iwe zvakare une imwe nzira yekuziva kana iwe uri pane ASNEF zvinyorwa. Muchiitiko ichi, uchafanirwa kutumira chikumbiro nekukurumidza kuASNEF Consumer Service. Kwaunofanirawo kuva nemhinduro yakasimba uye yakajeka. Kazhinji mumazuva asingasviki makumi matatu ekushanda Iwe uchave netsamba mumba mako inoratidza kambani yakakupinza mune iyi runyorwa rwevanotadza uye huwandu hwainoda.
Imwe nyaya yakasiyana chaizvo kana iwe uine nhamba yereferensi uye izvo zvichaita kuti maitiro acho awedzere uye akapusa. Pachiitiko ichi, zviri pamusoro madijiti anonyoreswa nawo vanotadza uye kuti mukufungidzira vanofanira kuzvigamuchira kumba kwavo kupfurikidza netsamba dzomunhu oga. Nekuva nechitupa ichi unozongo fanirwa kupinda paInternet nenhamba idzi dzinoda kuti udziise. Mushure mechinguva zvichaonekwa kwauri kana ivo vakaverengerwa murondedzero yevanotadza, chii chave chiri zvikonzero zvekujoinha uye zvechokwadi huwandu hwechikwereti.
Iyi yekupedzisira maitiro ndiyo inobvumidza iwe kuve neruzivo urwu zvirinani kuratidza kuti unogona kukumbira mutsara wechikwereti kuti upedze zororo, kubhadhara chikoro chevana kana kungobhadhara mari isingatarisirwe. Mune mamwe mazwi, mune uye pasina nhamba yereferensi, hauzove nedambudziko kuva nerudzi urwu rweruzivo chero nguva uye mune chero mamiriro.
Ndingaziva here kana ndiri muASNEF online?
Sezvatakafambira mberi muchitsauko chapfuura, zvinokwanisika kuve neruzivo rwakakosha urwu kuburikidza neInternet. Iwe unofanirwa kuziva kuti kana data iri raburitswa, kambani haizove nechisarudzo kunze kwekutumira munhu akanganiswa kuti akaverengerwa muiyi kirabhu yakakosha. Kana nechikonzero chipi nechipi, iyi yanga iri nyaya yako, usazvinetse sezvo uchigona kuve nechokwadi chekubatanidzwa kwako kana kwete kuburikidza neInternet. Nenhevedzano yemamiriro ezvinhu aunoda kusangana mune ese kesi: sezviri mune izvo zvatinopa pazasi.
collect the manhamba avakanyoreswa nawo uye kana wangopinda iyo ASNEF webhusaiti. Iyi data ichadikanwa kuitira kuti iwe ugone kuiwana uye iwe unogona pakupedzisira kubvisa kusava nechokwadi kwako. Kuburikidza nekubvunzurudza pamhepo izvo zvisingasanganisire chero mari inobuda. Kuti uite izvi iwe uchafanirwa kupa akatevedzana data kana ruzivo nezve iwe, senge anotevera:
- Zita uye surname yemunhu anenge akumbira kana, pazvinenge zvakakodzera, zita rekambani, kana iri kambani.
- Chitupa nhamba. Vanogona kuva vakati wandei seDNI, NIE kana CIF.
- Reference number. Muchiitiko chekuti vakutumira chiziviso nezve kubatanidzwa kwako mune rondedzero yevanotadza.
- Kero yemunhu ari kukumbira ruzivo urwu.
- Foni nhamba. Ingave iyo mbozhanhare kana yepasi, kunyangwe isu tichikurudzira yekutanga nekuti ivo vanogona kukutumira meseji yeSMS yeimwe mhando yeziviso.
- Uye pakupedzisira, havazodi kuti iwe uise iyo zuva rekunyorera.
Naizvozvo, kuziva ruzivo urwu, ndiko kuti, kana ndiri chaizvo muASNEF, ibasa iro chero mushandisi ane kodzero uye iro rinozivikanwa nemirairo yazvino. Kuburikidza nezvinyorwa zviviri zvaunogona kusarudza: kune rumwe rutivi mune ino kambani uye kune rumwe rutivi kuburikidza akasiyana epamhepo mapuratifomu anobvumira mukana wekuzviunganidza online. Kunyangwe pamutengo wehupfumi zvichienderana nekambani.
Mune ipi neipi yezviitiko, kana uine kunyumwira kushoma pamusoro pechiitiko ichi, zvinokurudzirwa zvikuru kuti uzvitarise kuburikidza nemubvunzo weaya maitiro, ndiko kuti, online. Chokutanga pane zvose zvichakubatsira bvisa kupokana kwese pamusoro pechinhu ichi chinogona kuve chakakosha kuhukama hwebhangi kana mamwe makambani emari. Uye chechipiri, nokuti ichakubatsira kugadzirisa zvikwereti. Zvichipa mukana wekuti mumwedzi iri kuuya iwe uchazviwana iwe uchida kukumbira chero mutsara wechikwereti. Pakati pavo, zvekushandisa, mari yebhizinesi kana kunyange chikwereti chekuvhara kutenga kweimba yako kana zvimwe zvivakwa.