Iakhawunti yeFacto: ukuphucula inzuzo yokonga

akhawunti

Iakhawunti yeFacto izibeke njengenye yezona zixhobo zibalaseleyo zokuphucula ukonga abathengi ngemveliso elula ukuyithengisa kunye nelona nqanaba liphantsi lomngcipheko (1/6 ngokokukhanya kwetrafikhi yomngcipheko, kunye ne-1 eyeyona inobungozi iphantsi kunye ne-6 ephezulu). Olunye lweempawu eziphambili zeakhawunti yebhanki kukuba inikezwe phantsi kwemodeli yokungena kabini. Kwelinye icala, iakhawunti yokutshekisha kwaye kwelinye a idipozithi ephezulu yenzuzo ephucula kakhulu amanqanaba aphakathi umvuzo ezibonelela ngezi mveliso zezemali ngalo mzuzu. Iphuhliswe yiBanca Farmafactoring, iziko elisebenza kwimarike yesizwe.

Enye yenkuthazo yokufumana ikhontrakthi i-El Depósito Facto kungenxa yokuba abathengi baya kuba nakho ukuphucula imida yenzuzo ebuthathaka enikwa bona ngamanye amaziko. Ngokukodwa, le akhawunti intsha inika inzala ukuya kuthi ga kwi-1,25% APR *. Kodwa ngokubaluleka okubalulekileyo ngokubhekisele kwezinye iidipozithi zekota kwaye yile meko ngaba ngabasebenzisi ngokwabo abakhetha owona mhla wokuphelelwa. Ukwazi ukuhambisa igalelo labo lezemali kwi 12, 36 okanye iinyanga ezingama-60, Ngokuxhomekeke kwiprofayili abayibonisa njengabagcini abancinci nabaphakathi.

Konke oku, kwimeko enje ngoku, apho umndilili wenzala waseSpain kwiidiphozithi ezingaphezulu konyaka omnye yi-0,13%, ngokweedatha zamva nje ezipapashwe yi-European Central Bank (ECB) ngenzala kwixesha elimiselweyo elenziwe ezi mveliso zokonga. Ngale ndlela, idiphozithi ebhaliswe kwiAkhawunti yeFacto iya kuyiphucula inzala ebonelela abasebenzisi bebhanki ngaphezulu kwepesenti enye. Ukuya kuthi ga kwinqanaba lokuba ukhethwe ngamabhaso eRankia njenge Eyona Idiphozithi ka-2017.

Iakhawunti yeFacto: ikhontrakthi ekwi-Intanethi

Olunye uphawu lweemveliso zebhanki kukuba unokufumana ikhontrakthi kwi-100% kwi-intanethi kwaye ngaphandle kwesidingo sokulinda emigceni okanye ngokungxama xa kunokwenzeka ukuba ibhanki ivale. Ngamanye amagama, zonke iidipozithi ezinxulumene nale akhawunti zinokubhaliswa ngokulula ukusuka ekhaya okanye kwenye indawo. Ngalo naliphi na ixesha losuku kwaye usazi kwasekuqaleni ukuba yintoni eyimbuyekezo eya kufunyanwa kwimali ebekiweyo.

Iakhawunti yeFacto icamngca ngenqanaba lomyinge lenzala eliyi-0,20%, ngentlawulo yenyanga nenyanga eyenziweyo usuku lokugqibela lwenyanga nganye. Elinye igalelo lalo elifanelekileyo kukuba likhululwe kwiikomishini kulawulo lwayo okanye kulondolozo.

 

Idiphozithi yeFacto yenye yezona zihlawulwe ngoku okwangoku kunye noncedo olongezelelekileyo olunokhuseleko kunye nesiqinisekiso seNgxowa-mali yesiQinisekiso seDiphozithi. Kuba ngoku, iBanca Farmafactoring, ekhupha imveliso, iqhotyoshelwe kwiNgxowa-mali yesiQinisekiso seDiphozithi yase-Itali. Ukuziqhelanisa kuthetha ukuba abagcini mali bayakuphila ukuya kuthi ga kwi-100.000 euro ngediphozithi kunye nomthengi kwimeko yazo naziphi na izehlo zebhanki.

Uyivula njani iAkhawunti yeFacto kwaye wenze idiphozithi?

Ukuba ufuna ukuba ngumnini wale mveliso yokonga, awuyi kuba neengxaki ezininzi ukwenza le nkqubo kwaye kuya kuthatha imizuzu embalwa ukwenza isivumelwano ngokusemthethweni. Njengoko besibonisile ngaphambili, ukuvulwa kwayo kukwi-Intanethi ngokupheleleyo. Oku kuthetha ukuba zonke iimfuno kufuneka zenziwe ngokusesikweni ukusuka kwikhompyuter yakho, ithebhulethi okanye i-smartphone. Ngokusebenzisa inkqubo elula kakhulu kuye nawuphina umsebenzisi webhanki ophuhliswe ngala manyathelo mathathu siza kuchaza apha ngezantsi:

  1. Gcwalisa ifom oya kuyifumana kwiwebhusayithi yabo apho kuya kufuneka uveze ulwazi lomntu ezisisiseko. Njengoko kusenziwa kwezinye iiakhawunti kunye needipozithi zekota.
  2. Ukutyikitya ikhontrakthiNokuba kukwi-intanethi okanye kwifomathi yesiko, ukuze ngale ndlela inkqubo yokuba ngumnini wale mveliso yebhanki ikhawuleziswe kwisithuba esifutshane sexesha.
  3. Kwaye njengenxalenye yesithathu neyokugqibela yenkqubo iya kubakho kuphela yiphathe, zombini iakhawunti kunye nedipozithi, evela kwizixhobo zakho zobuchwephesha ukusuka kulo mzuzu kanye.Ngale ndlela, ukwenza iakhawunti isebenze kufuneka udlulise ukusuka kuyo nayiphi enye iakhawunti onayo kwelinye iziko uye kwiAkhawunti yakho yeFacto. Nje ukuba iakhawunti isebenze, ungayenza iDepho yeFacto ngesixa (phakathi kwe- € 10.000 kunye ne- € 3.000.000) kunye nekota efanelekileyo kwiimfuno zakho (phakathi kweenyanga ezintathu ukuya kwezingama-3).

Bala inani elipheleleyo lenzuzo

ukusebenza

Kwisixa se-10.000 ze-euro kwithuba leenyanga ezingama-60, ezinye Inzala enkulu ye-625 euro. Kuba kule meko, inqanaba lenzala eliza kusetyenziswa kuwe liya kuba lelona liphezulu, i-1,25%. Nangona kunjalo, imida yenzala ayisayi kuhlala ifana kuba iya kukhula ngokuthe ngcembe kuxhomekeke kwithuba lokusisigxina olikhethayo. Ngayiphi na imeko, bahamba ngaphezulu komndilili, phakathi kwe-0,25% kunye ne-1,25%.

Ezona dipozithi zimfutshane, umzekelo, ukuya kwiinyanga ezili-12, zezo zivelisa inzala eyeyona iphantsi (0,75%), ngelixa ixesha lisandiswa ukuya kwiinyanga ezingama-36, isivuno sinyuka saya kwi-0,90%. Ngokuchasene noko, ukufumana elona xabiso liphezulu kuya kufuneka ukhethe i Iinyanga ze60. Ngezinye zezona mfuno ziphezulu kwicandelo lebhanki lesizwe.

Izinto ekufuneka uzigcine engqondweni ngaphambi kokuqesha idiphozithi

  • Omnye bhetyebhetye ngakumbi ukuze ukwazi ukuziqhelanisa nazo zonke iimeko eziveliswa luqoqosho lwasekhaya.
  • Khangela i umgangatho wenzala ngaphezulu okuphawulwe lolu didi lweemveliso zebhanki.
  • Ukuxolelwa kwezinye iindleko ekuqeshweni kwabo, kokubini kulawulo nakulondolozo.
  • Funa imbuyekezo kulondolozo ngaphambili ukuze ufumane ukuthengiswa ngaphambi kokuphela kwayo.

Imiqathango yesi sicelo

Imigaqo apho igalelo lezoqoqosho lijolise kuyo liqala kwi-3 ukuya kwiinyanga ezingama-60. Kunye Umrhumo omncinci we-10.000 euro, yeyiphi enye yezona zinto zinamandla zokubonelela zinikezelwa yinkqubo yeebhanki. Ngayiphi na imeko, ukuba kukho into entsha emele le mveliso, kungenxa yokuba zenziwe ngokuhlawula inzala rhoqo kwiintsuku ezingama-90. Ukuze ngale ndlela ukonwabele ukubuya kwemali oyongele kwangaphambili. Ngaphandle kokulinda ukuphela kwazo, njengokuba kunjalo ngenxalenye efanelekileyo yeedipozithi zekota ezikhoyo kwibhanki yangoku.

Lukhetho lokonyusa ukonga kancinci kancinci kwaye kufezekiswa ngendlela ekhuselekileyo neqinisekileyo. Nokuba kwenzeka ntoni kwiimarike zezemali, abagcina imali baya kuba nesiqinisekiso sokuba inzala eveliswe yile mveliso iya kwiakhawunti yokonga. Ngaphandle kwalo naluphi na uhlobo lonxibelelwano, okanye ngesidingo sokunxibelelana nezinye iimveliso zezemali. Ihanjisiwe ngeefomathi ezikwi-Intanethi ukuze ubukrelekrele bayo yenye yezona ziqhelo zazo zichaphazelekayo. Kunye nenzuzo ebonelela kulondolozo lwabathengi.

* I-APR ye-0,25% (0,25% NIR) yedipozithi yeenyanga ezi-3, i-APR ye-0,75% (0,75% NIR) yedipozithi yeenyanga ezili-12 kunye ne-APR ye-1,25% (1,25, 60% TIN) yediphozithi yeenyanga ezingama-10.000 . Ukusuka kwi- € 90 kunye nokuhlala yonke imihla ye-XNUMX. Nikezela umntu ngamnye.


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