Iphupha elibi labantu abaninzi liyabona ukuba babandakanyiwe ifayile yabangaphumeleli kwi-ASNEF. Njengoko sisazi, lo ngumbutho wamaziko ezemali kunye namatyala, apho iinkampani zinokufumana khona iziseko zedatha zokumisela ukuba ingaba umntu ungumgqatswa wezemali okanye hayi.
Ngelishwa kulula kakhulu ukuba ifakiwe kule fayileokanye, kuba ngokubanzi konke okufunekayo kukubuyisela ibhanki, umnxeba okanye irisithi yenkonzo, ukuze ibonakale ngathi inetyala kwifayile.
Ewe kunjalo, xa umntu ebandakanyiwe uluhlu lwabantu olungagqibekanga, Le meko iba yingxaki enkulu ngokungakwazi ukufikelela kwimali mboleko okanye kude kufuneke ubhaliso kuyo nayiphi na inkampani yefowuni, igesi, umbane, njl.
Mhlawumbi eyona nto ilusizi kule meko kukuba idatha yobuqu kunye neyezemali yabantu ababandakanywayo Iifayile ze-ASNEF ezingasasebenziyo, banokuhlala bekho ukuya kuthi ga kwiminyaka emi-6.
Kulusizi ukuba amaxesha amaninzi, kukho abantu ababandakanywe ngokungafanelekanga kule fayile ngenxa yeempazamo okanye ngenxa yetyala elingekhoyo, nangenxa yengxaki enxulumene nobusela besazisi.
Ungaqhagamshelana njani naMaziko aMatyala eMali?
Njengoko kubonisiwe apha ngasentla, kulula kakhulu ukuvela kwifayile ye- Iirekhodi zokungahambi kakuhle kwe-ASNEF, Okwangoku kukho inani elikhulu labantu abakule meko kwaye bathintelwe ukuba benze isicelo semali mboleko kunye nokusombulula iimfuno zabo.
Xa umntu ebhalisiwe kule ifayile yabangasileliXa usenza isicelo semali mboleko okanye isibambiso sendlu, bayayikhanyela.
Kwakhankanywa ekuqaleni ukuba ukungangqinelani okuthile kunye nemali oyibizayo okanye ukuhlawulwa kweenkonzo ezisisiseko kungoyena nobangela wokuba inkampani ibandakanye idatha yaloo mntu Iifayile ze-ASNEF ezingasasebenziyo okanye ngaye nakweyiphi na iifayile ezingaphezulu kwe-156 zabangaphumeleli ezikhoyo eSpain.
Nokuba yeyiphi na isizathu esifanelekileyo okanye esingenabulungisa, eyona nyani yeyokuba ebantwini le meko iyingozi ngokwenyani malunga nokungakwazi ukufikelela kwimali okanye nokufumana ikhadi lekhredithi.
Isizathu soku silula, zombini iibhanki kunye neebhanki zokonga zihlala zinganiki mboleko okanye iinkonzo ezithile kubaxumi abavela kuluhlu lwabangahlawuli.
Oko kukuthi, onke la maziko emali kunye namatyala ahlala edibana ifayile yabangaphumeleliyo kwi-ASNEF Ngenjongo yokujonga ukuhlawulwa kwemali yomntu ocela imali-mboleko. Ngamanye amagama, iibhanki, iibhanki zokonga kunye namanye amaziko amatyala kunye nezemali ngamalungu e-ASNEF.
Ukuze umntu abandakanywe kwifayile yamatyala e-ASNEF, nayiphi na kwezi meko zilandelayo kufuneka yenzeke:
- Ukuba kukho ityala elinokungqinwa, elidlulileyo elinyanzelekileyo nelinyanzeliswayo, elingahlawulwanga
- Ukuba umntu kuye kwafuneka ahlawule ityala amatyeli ngamatyeli awahlukileyo
- Akukho bungqina bubhaliweyo obuphikisana nayo yonke into ebikhe yathethwa ngaphambili
ukuba shiya iASNEF Kuyimfuneko ukucela umbutho, ukucinywa kwetyala ngomphathi. Okwangoku kubalulekile ukukhankanya ukuba umntu uyakufunwa amaxwebhu abonisa ukungabikho kwetyala, ukongeza ukuba kufuneka abonise nefotokopi yesazisi sakhe.
Ukonwaba Isicelo siya kwaziswa kwi-ASNEF, Umbutho ekufuneka uphendule ngaphakathi kwithuba elingekho ngaphezulu kweentsuku ezili-10 malunga nokususwa kwedatha yabantu ababandakanyiwe kwifayile.
Kwimeko apho kungekho uhlobo lonxibelelwano yi-ASNEF okanye impendulo yakho ayonelisi, emva koko umntu ochaphazelekayo makaye kwi-AEPD emva koko enze ibango lokuba ngendlela efanayo iya kuba yinkqubo elawulwa lulwazi-lukazwelonke.
Eyona ngxaki iphambili kwiirekhodi zabangathobeli kukuba kubantu ababonakala kubo, akunakwenzeka ukuba bafikelele kwinkxaso mali yalo naluphi na uhlobo.
Kungoko kubalulekile ukuba wonke umntu akwazi isebenza njani ifayile ye-ASNEF kwaye ke yintoni amalungelo abantu abonakala kwifayile yabangathobeli.
Xa umntu enqwenela fikelela okanye uqhagamshelane nefayile ye-ASNE yokufaF okanye nayiphi na ifayile yobugwenxa eSpain ngenjongo yokwazi ukuba ibhalisiwe okanye ayibhaliswanga, okanye ukuba ufuna ukurhoxisa okanye ukuphelisa ukubhaliswa okuhlawulelweyo okanye okungachanekanga, kubalulekile ukuba ukhethe ukuba umbuzo uthe uhambelana nomntu wendalo, ukuba ngumntu, okanye kumntu osemthethweni, oko kukuthi, inkampani.
Oku kuxhomekeke ekubeni ingaba le fomu uyibonisile.
Kufuneka wenze ntoni xa kurhanelwa ukuba ibandakanyiwe kuMaziko eMali aMatyala?
Ukuba umntu ukrokrela ukuba bangabandakanywa kwi Iifayile ze-ASNEF ezingasasebenziyoUnelungelo lokufikelela kwifayile yalo mbutho ukukhangela ukuba ikhona na inkampani eyongeze idatha yakho kwifayile.
Kwimeko apho ujonga ukuba iidayisi zakho ziyinyani ubhaliswe kwifayile yokusilela, Kuya kufuneka uqale inkqubo yokurhoxisa idatha yakho kwifayile.
Isicelo sokurhoxisa Idatha ekwifayile ayinazindleko kwaye inokwenziwa ngokuthe ngqo kwiwebhusayithi esemthethweni ye-ASNEF. Kubalulekile, nangona kunjalo, ukuba ukhetho oluchanekileyo lukhethwe kuba ngalo mzuzu idatha yabantu kunye neenkampani inokucinywa.
Isicelo sokufikelela kwidatha yakho kwifayile ye-ASNEF sikuvumela ukuba wazi:
- Ngubani okanye yeyiphi inkampani ekutyikityileyo, oko kukuthi, ngubani ongeze idatha yakho kwifayile yobubi.
- Imali iyonke ebangaweyo kwityala
- Umhla owawubhaliswe ngawo kwifayile yobubi
- Ngubani okhe wadibana nedatha yakho yobuqu
- Ulwazi olunxulumene noko malunga nokusilela, kunye namatyala abo
Kwangokunjalo, unokucela ukurhoxiswa kwedatha kwifayile ye-ASNEF enobugwenxa kwimeko apho:
- Ityala sele lihlawulwe, kodwa idatha yomntu isekhona kwifayile
- Xa ifakiwe kwifayile kangangeminyaka emi-6 okanye nangaphezulu
- Xa umntu ovela kwifayile engazange aziswe ngeleta malunga nokufakwa kwabo kuyo.
- Xa imali yetyala ingeyonyani okanye ingavumelani nje
- Xa ityala lingahambelani nomntu obandakanyiwe kwifayile okanye kungqinwa ukuba ulixhoba lobusela besazisi.
Iziphumo zokuba kwifayile yamatyala e-ASNEF
Ngamaxesha obunzima, xa Umntu uvela kwifayile yamatyala e-ASNEF ayothusi nakubani na. Kuqikelelwa ukuba kungoku nje kukho inqanaba lobugwenxa elijikeleze iipesenti ezintlanu, oko kuthetha ukuba umntu omnye kwabangama-5 abolekisa ngemali, bububi.
Sele sitshilo ngaphambi kokuvela kwi Uluhlu lwabasileleyo njenge-ASNEFOko kuthetha ukuba xa ufaka isicelo semboleko yekhredithi okanye uhlobo oluthile lwemali mboleko yokubolekwa kwemali, abasiniki yona kwaye isizathu soku kukuba amaziko ezezimali ahlala ezijonga ezi zintlu zabangathobeli ukuba bayazi ukuba ngaba umxhasi wabo unokubonakala kubo okanye hayi.
Ukuba okwangoku uhamba nge Ukudodobala kwezoqoqosho kwaye ufuna ikhredithi okanye imali mboleko yokuhlawula iindleko zakho, kungcono ukugcina intlawulo yamatyala akho. Ukuba ufike emva kwexesha okanye uyeke nje ukuhlawula, akunakuphepheka ukuba uyakufakwa kuluhlu lwabantu abangahlawulanga amaZiko aTyala ngeMali.
Ukuba oku kuyenzeka, kunokwenzeka ukuba amaziko emali kunye namatyala angakuniki:
- Ikhredithi okanye imali mboleko, nokuba yimali encinci
- Kwaye abayi kukuvumela ukuba udibanise imali mboleko
- Ukuhlehlisa ukusayina okanye ukungabikho kobambiso kuyo nayiphi na ibhanki
- Faka isicelo semali mboleko yokuthenga indlu
- Faka isicelo semali-mboleko yokuthenga imoto entsha
- Faka isicelo sokwandiswa kwemali mboleko yobambiso
- Faka isicelo semali-mboleko yokuqalisa ishishini lakho
Ukungahlawulwa kwetyala Ikwavelisa ezinye iziphumo ezibi kulowo unetyala, ukuqala kwinto yokuba uyakufakwa kuluhlu lwabatyalayo kwaye, ngenxa yoko, ikhaya lakhe okanye iiasethi anazo ukujongana netyala zithinjiwe. Ewe kunjalo, okoko nje umthetho uphumelele, ekufuneka ukuba ngaphambili wawunikwe ngokusesikweni phambi kwenkundla.
Ukusukela ngoku, umntu obandakanyiwe kuludwe lwabatyali unethuba lokwenza isivumelwano sentlawulo, esiya kubandakanya zonke iindleko zomthetho, ngaloo ndlela kuthintelwe ifandesi kawonke-wonke yazo zonke iiasethi zazo.
Ngaphandle koko, baya kuthengiswa kwaye ibhanki iya kufumana yonke imali ukuya kuthi ga apho ityala lihlawulwe khona ngokupheleleyo, kubandakanya inzala yokuhlawula kade, iikhomishini, kunye neendleko zomthetho, njl.