Xa unemali, utyalo-mali yindlela yokuhamba lula kwaye ikunike inzuzo ethile. Ngelo xesha, udla ngokujonga iinketho apho unokushiya khona imali yakho kwaye, ngoko, ukwazi ukuyifumana kwakhona kamva ngenzuzo ethile. Kwaye esinye sezo zixhobo ziiCetes. Ziintoni kwaye kutheni zinokukunika inzuzo?
Ke sifuna ukuthetha nawe ngesi sixhobo esinokukwenza ukuba ufumane imali. Ngaba uyafuna ukwazi ngakumbi ngaye?
Yintoni iiCetes
Into yokuqala omele uyazi malunga neCetes kukuba ayisiyonto esebenza eSpain. Kodwa siye saya eMexico. Igama elithi Cetes libhekisa kwi "Izatifikethi ze-Federal Treasury" kwaye ziye zibe yinto efana notyalo-mali apho uboleka imali kurhulumente ngokutshintshiselana, xa umhla ufika, uyibuyisela kuwe ngesivuno (okanye inzala).
Kuya kufuneka uyazi loo nto Bonke abantu baseMexico banokutyala imali kwiiCetes, nokuba bezisebenza ukususela ngowe-1978.
Ngoko ke, sisixhobo setyala kwaye ikhutshwe ngokusemthethweni nguMphathiswa wezeMali kunye neTyala loLuntu (ekwaziwa ngokuba yi-SHCP) yoRhulumente waMazwe. Ngaphandle koko, IBhanki yaseMexico iya kudlala kuba inceda uRhulumente ukuba aphuhlise loo marike.
Zenzelwe ntoni iiCetes?
Ngokuqinisekileyo ngoku kuye kwacaca ngakumbi kuwe ukuba yintoni na amaCetes, kodwa kuthekani nenjongo yawo? Njengaye nawuphi na omnye urhulumente, IiCetes zisebenza njengendlela yokunyusa imali. Ukwenza oku, ikhupha amatyala ngendlela ye-promissory notes. Ngamanye amazwi, ufuna ukufumana imali eya kuthi kamva ibuyiselwe emva kwethuba kuloo mntu okanye kwinkampani emboleke yona inenzala okanye eyongezelelweyo ngokwenza oko.
Utyando kulula ukuluqonda. Ngakolunye uhlangothi, umntu ufuna ukunika "imali-mboleko" kurhulumente. Kuyo, iqondo lenzala elimiselweyo limiselwe ukuba lihlawulwe Kuya kuxhomekeka ekubeni ufuna ukuyibuyisela kwakhona loo mali kwixesha elifutshane okanye eliphakathi.
Ukuze yonke into yenziwe ngokusesikweni, yiBhanki yaseMexico (Banxico), enika izatifikethi kwifandesi yokuqala kwabo bacela inzala encinci. Ithetha ntoni le nto? Ewe, abantu abacela inzala encinci iya kuba ngabo banyulwe ukwenza ngokusesikweni iiCetes kwaye, ke, bafumane loo mali eyongezelelweyo ekugqibeleni.
Bubuphi ubuncinci bokutyala imali kwi-Cetes
Ukuba sele ucinga ukutyalomali kwi-Cetes, kufuneka ukwazi ukuba ngokuqhelekileyo kukho utyalo-mali oluncinci lwe-100MXN $ (kunye nobuninzi be-10 yezigidi). Ngoku, kufuneka ukwazi ukuba ixabiso le-nominal (ubuncinci ukusuka kwinto esiyifumeneyo) yi-10 pesos yaseMexico, eyona nto idla ngokufunyanwa xa ixesha liphela (ngexabiso eliqhelekileyo).
Njengomzekelo, khawucinge ukuba uthenga iiCetes kwi-8 pesos yaseMexico. Xa ixesha liphela, uRhulumente unyanzelekile ukuba athenge ezo Cetes kuwe, kodwa, endaweni yokuzihlawula nge-8, uya kwenza njalo ngo-10, ukuze ekugqibeleni uphumelele.
Zikhutshwa kangaphi iiCetes?
Enye yeenzuzo ukuba iiCetes kukuba ungazama ngaphandle kwemali eninzi kakhulu. Akukho xesha lokulinda. Njengoko sele sibonile, amaxesha okulinda anokuba mafutshane, aphakathi kwaye made. Kodwa ngokupheleleyo, ungayifumana imali yakho ngeentsuku ezingama-28 okanye ezingama-91; kwiinyanga ezintandathu; okanye ngonyaka.
Oku kukuvumela ukuba "uvavanye", ubone ukuba kunenzuzo ngokwenene kwaye yimalini enokufunyanwa ngokutyala imali kubo. Nangona sele sikulumkisile ukuba ixesha elifutshane lexesha, inzuzo nayo isezantsi. Nangona kunjalo, singena kuyo ngezantsi.
Unokufumana malini ngeeCetes
Ngokuqhelekileyo, xa utyala imali, into oyifunayo kukuba ukhethe isixhobo esilungileyo esikunika inzuzo kwaye ufumane imali eyongezelelweyo. Kwimeko yamaCetes, ngaba kunokwenzeka?
Ukuqala, sithetha ngesixhobo esithwala umngcipheko omncinci, ekubeni uRhulumente waseMexico ngokwakhe uzimisele ukuthenga iiCetes otyalomali kuzo, kwaye unike imbuyekezo kulolo tyalo-mali.
Kodwa kufuneka sikulumkise ukuba oku kwenza imbuyekezo, oko kukuthi, ezongezelelweyo ozifumanayo, zingaphantsi kunezinye iindlela (kwakhona ukhuseleko oluncinci).
Rhoqo ngonyaka, urhulumente upapasha ukuba yeyiphi inzala emiselweyo ehlawulwa ngokwexesha “lokubolekwa” kwemali. Ngaloo ndlela, ngedatha ye-2022, siyazi ukuba inzala yeentsuku ezingama-28 yi-6.52 ngelixa, ngonyaka omnye, iphakama kwi-8.40.
Tyala imali kwi-Cetes, yenziwa njani?
Ngaba sele wenze isigqibo kwaye ufuna ukutyala imali kwi-Cetes? Ewe, kuya kufuneka wazi ukuba kukho iindlela ezahlukeneyo zokukhetha:
- Ebhankini, apho, ngokusebenza njengabalamli, kunokubandakanya iindleko kuwe (kwaye ke ngoko inzuzo encinci kutyalo-mali lwemali yakho).
- Cetesdirecto. Liqonga le-intanethi apho wena ngokwakho ufumana khona izatifikethi ngaphandle kolamlo lweebhanki, iifemu zokuthengisa okanye abanye. Isixhobo sasimahla kwaye asinalo naluphi na uhlobo lwekhomishini, ekwaziyo ukusebenza ngokulula nangokukhawuleza. Ewe kunjalo, kufuneka ube ngaphezulu kweminyaka eyi-18 kwaye ube neakhawunti yebhanki yaseMexico egameni lakho. Nje ukuba ubhalise, unokwenza ikhontrakthi ibe semthethweni kwaye utyale imali kwimiqathango ebesiyikhankanyile ngaphambili.
- SmartCash. Enye yeenketho onayo yile enye, i-GBM + iphothifoliyo apho unokutshala imali kwi-Cetes okanye izixhobo zemali ezifanayo.
Ngaba zikho iingozi?
Njengaso nasiphi na isixhobo sotyalo-mali, kukho imingcipheko, ewe. Kodwa ngokubanzi sithetha ngenye yezona zikhuselekileyo, ngoko ke ukubuyisela imali akufuneki kubangele ingxaki enkulu (ubuya kuba neengxaki kuphela ukuba urhulumente waseMexico uye wabhanga okanye wazifumanisa engakwazi ukuhlawula amatyala awenze nabemi bakhe) .
Ngoku, kuyinyani ukuba, ukuba utyala isixa semali, kwaye uyasidinga, awungekhe uphinde usifumane de kuphele ixesha. Isizathu sokuba iingcaphephe ngokwazo zicebisa ukutyala imali kuphela owaziyo ukuba ayizukufuneka ngelo xesha. Ngokomzekelo, ukuba une-10 yezigidi kwi-akhawunti yakho, kwaye utyala imali yonke, kunokwenzeka ukuba ngexesha elithile ufuna inxalenye yaloo mali, kwaye awukwazi ukufikelela kuyo.
Ngaba icacile kuwe ngoku ukuba yintoni na amaCetes?