Ukuba ufake isicelo okanye unemali mboleko kulo naliphi na iziko eliqhelekileyo lebhanki, ngokuqinisekileyo uvile kwaye uyazi i Ixesha leCIRBE. Namhlanje sifuna ukuthetha nawe nzulu malunga yintoni iCIRBE kwaye yenzelwe ntoni xa ufaka isicelo semali mboleko kunye nokubambisa. Siyacacisa, kwaye siya kuyenza kulo lonke inqaku, oko I-CIRBE ayilulo uluhlu lwabangaphumeleli njenge-ASNEFNangona zombini zisetyenziswa ngokubanzi ziibhanki, ukusetyenziswa kwazo kwahluke kakhulu kwezinye.
I-CIRBE inceda amaziko ukuba athathe isigqibo kwaye aqonde ngcono ukuba ngubani ocela imali mboleko, ebhekisa kwimbali yabo yamatyala.
Yintoni iCIRBE?
I-CIRBE liziko loLwazi loMngcipheko weBhanki yaseSpain, kwaye ibisebenza eSpain ukusukela nge1972, ikakhulu kwiibhanki, kodwa amanye amaziko ezezimali anokuyisebenzisa, nangona kungenjalo ngokungqongqo.
I-CIRBE sisiseko sedatha, umzekelo, i-ASNEF, eyondliwe ngolwazi lwezezimali lweebhanki, kwaye ilawulwa ilawulwa yiBhanki yaseSpain uqobo.
Uluhlu loluntu, kodwa ngendalo yabucala, oko kukuthi, nabani na unokufikelela kulwazi oluluhlu, kodwa kwisicelo sangaphambili sokufikelela. Emva kwexesha siza kukubonisa ukuba ungayicela njani.
Uluhlu londliwa rhoqo ngenyanga ngawo onke amaziko, kwaye idatha yazo zonke iimali mboleko ngaphezulu kwe- € 6000 ibhaliwe.
Kuluhlu, uza kubona zonke imali-mboleko engekahlawulwa abantu abanayo, inika umbono wembali kunye namandla etyala lomntu ofaka isicelo semali mboleko. Ulwazi malunga neziqinisekiso, iikhredithi (hayi imali-mboleko), kunye nemingcipheko ngokubanzi yokuba amaziko emali anakho kunye nabaxumi bawo nawo adwelisiwe.
Ngamafutshane, I-CIRBE irejista yolwazi amaziko ezemali analo ngawe.
Masithathe umzekelo: Ukuba ungumnini wesibambiso, i-CIRBE iya kudwelisa loo mali-mboleko, igama lakho, inombolo yakho yesazisi yerhafu kunye nenani letyala ekupheleni kwenyanga nganye. Kwaye ngemboleko nganye okanye intshukumo oyenzayo ngaphezulu kwe- € 6000.
I-CIRBE ineenjongo ezimbini ezicacileyo:
- Nikezela ngolwazi kumaziko malunga namatyala abathengi kunye namandla abo okuhlawula.
- Nika iBhanki yaseSpain ulwazi kunye namandla okujonga kunye nokuhlola ukusebenza kwawo onke amaziko emboleko asebenza eSpain.
I-CIRBE isebenza njani?
Njengesiseko sedatha esikuyo, i-CIRBE kufuneka isoloko isondliwa ukuze ukusebenziseka kwayo kuqhubeke nokuba phezulu, yiyo loo nto kunyanzelekile ukuba amaziko athumele ulwazi rhoqo ngenyanga, zonke izinto ezenziwayo kwimisebenzi yabo, abanini bayo, ngedatha yabo, iimpawu kunye neemeko zabo. .
Njengoko besesitshilo ngaphambili, imisebenzi eyenziwayo ilingana okanye inkulu kune- € 6000.
Iinkampani ekufuneka zithumele ulwazi lwakho zezi:
- Amabhanki
- Iibhanki zokonga
- Imibutho yabathengi
- ICO
- Amasebe eSpain amaziko angaphandle
- Imali yesiqinisekiso
Ulwazi luya kunceda amaqumrhu ukuba aqonde umngcipheko ekusebenzeni kwawo.
Nguwuphi umahluko phakathi kweCIRBE neASNEF?
Abantu abaninzi bayayikholelwa loo nto I-CIRBE lolunye uluhlu lwabasilelayo njenge-ASNEF, kwaye akukho nto isondele kwinyani.
I-CIRBE yindawo yogcino lwedatha apho kuqokelelwa khona ubungozi bamaziko emboleko, ukusuka kwi-6000 euros, ngaphandle kokujonga ukuba ingaba imisebenzi ayihambi na.
Ulwazi oluphangaleleyo kufuneka lwaziswe, kodwa kugcino zedatha ezinje ngamaZiko eMali eMboleko.
I-CIRBE ilawula kuphela ulwazi lomngcipheko ukuze amaziko athathe isigqibo ngcono kwaye avavanye amandla okuhlawula abathengi bawo, nangona benokuyixhasa ngemibuzo kwi-ASNEF okanye kuluhlu olufanayo.
Ngaba amaziko amatyala angafikelela kulwazi lwam ngaphandle kwemvume?
Ngamafutshane, ewe. Kodwa kukho bokuqonda.
Xa ufaka isicelo semali-mboleko, uMthetho uyawavumela amaziko ocela ukuba abenakho fikelela kulwazi onalo kwiCIRBE, ngaphandle kwesidingo sokuba ndicele imvume yakho yokwenza njalo.
Ewe, iqumrhu linyanzelekile ukuba likwazise ngelungelo elinalo lokwenza njalo, ngaphandle kwentsingiselo yokuba unokwala okanye ungavumi, sisaziso esibhaliweyo kuphela.
Uyifumana njani idatha yakho kwiCIRBE
Njengoko besitshilo ngaphambili, isiseko sedatha siyimfihlo, nangona esidlangalaleni, oko kuthetha ukuba nawuphina umntu wendalo okanye wezomthetho unokufikelela kulwazi.
Siyakukhumbuza ukuba ukufikelela simahla, kwaye kungekuphela nje ekunokuqhagamshelana nawe, kodwa unelungelo lokulungisa ulwazi olufumanisa lungalunganga, unokwazi nokuba ngawaphi amaziko afikelele kulwazi lwakho kwezi nyanga zintandathu zidlulileyo.
Njani? I-Bhanki yaseSpain ivule amajelo amathathu oku:
- Ngokusebenzisa iOfisi eyiyo yeBhanki yaseSpain, ngenxa yoku kufuneka ube ne-DNIe kunye nesixhobo sokusebenza kwikhompyuter yakho. Ukongeza, kufuneka isatifikethi sedigital esivela kwiLizwe lezeMali kunye neStampu.
- Ngokwakho ungaya kwiiofisi zeCIRBE kwiBhanki yaseSpain, ebekwe eCalle de Alcalá 48 eMadrid, kufuneka ubonise i-DNI okanye i-NIE yakho yangoku kunye nehlaziyiweyo.
- Ngeleta (ewe, iileta zisasetyenziswa), ukuthumela isicelo kwidilesi:
IBhanki yaseSpain
IZiko loLwazi loMngcipheko
Isitalato iAlcala 48
28014, eMadrid
Ileta kufuneka isayinwe, nefotokopi yamacala omabini e-NIE okanye ye-NIE, kunye nedilesi yempendulo eya kuthunyelwa kuwe ngeposi eqinisekisiweyo.
Yeyiphi imingcipheko uCIRBE ayithathela ingqalelo?
Ukuza kuthi ga ngoku sithethile malunga nerekhodi engapheliyo eyenziwa yiCIRBE ngalo lonke ulwazi lwezezimali lwabemi baseSpain, kodwa yintoni umngcipheko wetyala?
Umngcipheko wekhredithi yinto enokwenzeka kwisiganeko esibi, kule meko, ukusilela kwimali mboleko.
Khawufane ucinge ukuba ucela iziko lemali ngemali yakho, kwaye uyinikiwe. Uthenge imoto ngemali esebhankini ekufuneka uyibuyisile ngezavenge ze- € 200 ngenyanga kangangeminyaka eli-10, umzekelo.
Yintoni umngcipheko? Ukuba awuyibhatali imali-mboleko inyanga nenyanga kwaye ngenxa yoko, iziko alifumani mali yalo, umngcipheko uya kuba lilonke ityala.
Zimbini iintlobo zomngcipheko ophathwa yiCIRBE:
- Umngcipheko othe ngqo: Zivela kwimali mboleko okanye iikhredithi kunye nokukhuseleka kwemali engenayo.
- Umngcipheko ongangqalanga: Abo bangenwe kukuxhasa okanye kukuqinisekisa ngetyala labo okanye iikhredithi kubantu besithathu (elona xabiso liphantsi lomngcipheko ongathanga ngqo yi- € 30.000)
Isichaphazela njani isicelo sam semali-mboleko?
Amabhanki asebenzisa lonke ulwazi ukwenza isigqibo sokuba ayayinikezela okanye ayiyiboleki imali-mboleko, okanye isixa anokuthi abe semngciphekweni xa enika.
Ukuba awubonakali kwi-CIRBE, oko kuthetha ukuba ibhanki ayinazo izixhobo zokwazi umngcipheko, okanye mandithi ityala lakho, yintoni uninzi lwethu oluyaziyo "njengembali yamatyala"
Ukuvela kwi-CIRBE akukubi, enyanisweni, akunakuphepheka ukuvela ukuba ufake isicelo semali mboleko okanye iikhredithi ezinkulu kune- € 6000, ingxaki yindlela yokuvela kwi-CIRBE.
Ngexesha I-CIRBE ayilulo uluhlu lwabangakhange basebenziseEwe inokukuchaphazela unamatyala amaninzi, ukuhlawula kade okanye isichaso sokungagqibeki kuwo nawaphi na amatyala akho.
Khumbula, nangona kunjalo, ukuba kule fayile, akukho zinkcukacha zanto, kuphela ityala, igama lakho kunye nohlobo lwetyala.
Iingcebiso
Nangona ungenalo ulawulo kulwazi olukhoyo malunga nawe kwi-CIRBE, unokwenza izinto ukuze uxhamle kolu luhlu loluntu kwaye uphephe iingxaki okanye ukuvalwa kokufikelela kwikhredithi kwixa elizayo.
Ke ngoko, sikunika ezinye iingcebiso:
- Ngamaxesha amaninzi, amaziko ezemali abuza abafaki-zicelo ngokuthe ngqo ukuba banamatyala okanye baboleka imali kwamanye amaziko. Ungaze uxoke, nditsho nangesizathu sokulibala okanye ukudideka ulwazi. Ukunyaniseka, nangona kunjalo, baya kuyiphonononga ifayile kwaye bazi ukuba uyaxoka okanye akunjalo.
- Qhubeka uphonononge ulwazi olukwifayile yakho kwi-CIRBE: uya kuba nakho ukubona ulwazi olubonwa liziko ngalinye letyala malunga nawe, kananjalo unokukhawuleza ufumane naluphi na ulwazi oluphosakeleyo, ukuze ukwazi ukucela ukulungiswa kwalo kwangoko kwi-CIRBE okanye iBhanki yaseSpain.
- Jonga i-ASNEF okanye uluhlu olufanayo, kusenokwenzeka ukuba imali-mboleko iyaliwa, hayi ngenxa yolwazi lweCIRBE, kodwa ngenxa yokungahlawulwa okungaphantsi kwe- € 6000, ebhaliswe kwifayile yobubi.
- Yenza irekhodi eneenkcukacha zamatyala akho, oko ukuhlawulayo, ukuhlawule kunye nokulindelwe ukuhlawulwa, kunye nedatha yokuba ngubani onetyala lakho kunye nemvelaphi yetyala. Umzekelo: Imali mboleko yemoto, i-12.000, ndihlawule i-6500, ngomhla wokugqibela we-2020, € 215 ngenyanga, kwiBhanki XYZ.
- Kuphephe kuzo zonke iindleko ukuwela ematyaleni kakhulu, oko kukuthi, ukuba ukuhlawulwa kwakho kwetyala kubonisa indawo ebalulekileyo yengeniso yakho. Iingcali ezininzi zithi mayingagqithi kuma-40% omvuzo wakho Ibhanki nganye yenza izifundo zayo kwaye ngolwazi oluvela kwi-CIRBE kunye nomrholo wakho, baya kuyazi ukuba unetyala elingakanani kwaye ukuba unokuthatha ityala elitsha.
Ezi ngcebiso ziya kukunceda uthathe isimanga xa ufaka isicelo semali mboleko yakho, kwaye yonke into inxulumene nokusetyenziswa okwenziwa ngamaziko emboleko kolwazi olukhulu olunikezelwa yiCIRBE kubo bonke.