Yintoni iASNEF?
Mhlawumbi abasebenzisi abaninzi abazi ukuba ezi zishunqulelo zithetha ukuthini, ezaziwa kakuhle ngenye indlela. Ewe, i-ASNEF yenye yezinye ze iingxelo zobunjubaqa eyona isetyenziswa eSpain ziinkampani kunye namaziko etyala. Ingqinelana neNational Association of Financial Credit Establishments. Kwaye ngumbutho wamashishini ohloniphekileyo waseSpain odibanisa amaqumrhu azo zonke iintlobo ezithathwa njengeziziko lemali yetyala.
Kuya kufuneka uyazi ukuba uneentlawulo ezisalindelweyo okanye amatyala kwiibhanki, iinkampani zombane okanye abaqhubi beefowuni eziphathwayo uya kuba nazo zonke iivoti zibe kuluhlu lwabo. Ukusuka apho eminye imibutho egcina ubudlelwane nabathengi inokufikelela kwidatha yakho. Ngeyona njongo iphambili yokwazi kuqala ukuba ngoobani abaxhasi bobunjubaqa kwaye phantsi kwesiphi isixa-mali ezi ntshukumo zingabolekiyo ezenziwayo. Enye inkalo onomdla wokuyazi kukuba ichaphazela abantu kunye neenkampani. Oko kukuthi, ukuba ungusomashishini omncinci nophakathi, unokuvela kolu luhlu.
Ngelixa kwelinye icala, into ekhethekileyo ebonakaliswa yile ndibano kukuba, ngokwemigaqo yangoku, awuyi kukwazi ukuba kwifayile. ngaphezulu kweminyaka emithandathu ngaphandle kokwazi ukuba ngubani inkampani ekubeke kule meko ingathandekiyo. Ke ngoko, injongo yakho yokuqala kukukhupha kobu bunini ngaphezulu kolunye uthotho lweengqwalasela zobuchwephesha. Oku kukwenza kuthetha ukuba awuyi kuba nakhetho ngaphandle kokushiya iifayile ukuze ube kwimeko yokubuyela ukufikelela kwinkxaso-mali yabucala.
Ukuba ngenxa yaso nasiphi na isizathu, ucinga ukuba kubekho impazamo, isisombululo esikhawulezayo kukukhangela a inkqubo yolamlo okanye, ngokusilela oko, qalisa inkqubo yomthetho phambi kwesi sigqibo. Kuya kuhlala ixesha elithile kwaye kuya kufuna iindleko zezoqoqosho zokuqesha iingcali ezikhusela isikhundla sakho. Kuzo zonke iimeko, omawukwenze kukwenza igama lakho linyamalale kuluhlu lwabangagqibekanga, njengaleyo yenziwe ngu ASNEF.
Ndazi njani ukuba ndikwi-ASNEF?
Ukwazi ukuba sikuluhlu lwabangasiyo, njenge-ASNEF okanye ezinye ezifanayo, yintshukumo ebaluleke kakhulu kuba inokusithintela ukuba singabonakali kwimisebenzi engathandekiyo ngabasebenzisi. Phakathi kwezinye izizathu, kuba ukuba sifakwe kolu luhlu, ngokuqinisekileyo ukuba ibhanki yethu abayi kusinika naluphi na umgca wetyala: yobuqu, ukusetyenziswa, umsebenzi okanye ukuthenga ikhaya. Ukuya kwinqanaba lokuba kuya kufuneka siye kwiziko elingeyobhanki elinokuthi lihlangabezane neemfuno zethu zokuhlawula amatyala.
Enye inkalo ekufuneka siyithathele ingqalelo yeyokuba sinokujoyina uluhlu lwabantu abangahlawuliyo, kungekuphela nje ukuhlawula imali-mboleko. Ukuba akunjalo ngokuchaseneyo, kunye nesikhundla esinetyala phambi komqhubi wefowuni, umbane okanye naluphi na uhlobo iirisithi zasekhaya. Akumangalisi ukuba amaziko emali akwazi ukufikelela kule datha yabathengi. Kwimizuzu embalwa baya kuyazi imeko yangempela apho sijongene neentlawulo kwiinkampani zezi mpawu. Esi sesinye sezizathu eziphambili zokuba kutheni kulungele ukuba kwiimeko ezingenatyala ngokuchasene nezi nkampani zenkonzo.
Ukuba nangasiphi na isizathu sikuluhlu lwezi mpawu, esona sigqibo sethu siya kuba uhambe xa ngaphambili Ngokufanayo. Nokuba kusenzelwa thina okanye ukuphepha ukuba naluphi na uhlobo lwemiqobo xa sijongana nemfuno yetyala kwibhanki yethu. Kuya kuba, ngokufutshane, eyona ndlela isebenzayo kwaye ilula yokuphepha naluphi na uhlobo lweengxaki ukusuka ngoku ukuya phambili. Uluhlu lwabangasiyo iqabane elilungileyo kubasebenzisi kuyo nayiphi na imeko kunye neemeko zobomi babo bobuqu. Ungalibali ukusukela ngoku.
Ungazi njani ukuba ndikwi-ASNEF?: ngenombolo yereferensi kwaye ngaphandle kwenombolo yereferensi
Njengoko izinga lobugebenga liye lakhula kwiminyaka yakutshanje, kuxhaphake ngakumbi ukuba abantu bafunyanwe bekule meko benganqwenelwa kangako yiyo. Ukubona imeko, iya kuba lixesha eliqinisekileyo lokwazi ukuba ndikwenyani na kuluhlu lwezi mpawu. Ukuba ngenxa yaso nasiphi na isizathu, uphulukene nenombolo yesalathiso, njengokungabinayo ileta ye-ASNEF, uya kuba neenkqubo ezaneleyo zokucacisa la mathandabuzo.
Enye yezona zinto zisebenzayo thumela i-imeyile kule nkampani ukuze batsho ukuba sithini isimo sakho ngelo xesha. Kufuneka uprinte ileta yombuzo, uyisayine kwaye uyiskene ukuze uyithumele kunye nekopi yeSazisi sakho seSizwe (i-DNI). Ngexesha elifutshane kufuneka ube nempendulo kuwe, kwaye ukuba ifanelekile, ulwazi okanye idatha inkampani enayo malunga nesikhundla sakho somntu onetyala. Njengemali abayifunayo kwiindawo zakho zokutsalwa kwemali.
Ngelixa kwelinye icala, unenye enye indlela yokufumanisa ukuba ukuluhlu lwe-ASNEF. Kule meko, kuya kufuneka uthumele isibheno ngokukhawuleza kwi-ASNEF Consumer Service. Apho kufuneka kwakhona ube nempendulo eqinileyo necacileyo. Ngokubanzi ngaphantsi kweentsuku zokusebenza ezingama-30 Uya kuba neleta endlwini yakho ebonisa inkampani ekufake kuyo kolu luhlu lwabangathobeliyo kunye nemali eyifunayo.
Enye imeko eyahlukileyo kakhulu xa unenombolo yereferensi kwaye oko kuya kwenza inkqubo ibe lula kwaye ilula. Ngesi sihlandlo, imalunga amasuntswana apho abo bangathobeliyo babhaliswe ngawo nokuba bafanele bazifumane emakhayeni abo ngeposi yabo. Ngokwenza olu lwazi kuya kufuneka ungene kwi-Intanethi kuphela ngala manani aya kufuna ukuba uwafake. Emva kwexesha kuya kubonakala kuwe ukuba babandakanyiwe kuluhlu lwabangahlawuliyo, zibe yintoni izizathu zokuyijoyina kwaye ngokuqinisekileyo isixa setyala.
Le nkqubo yokugqibela yile ekuvumela ukuba ube nolwazi olungcono ukuqinisekisa ukuba unokucela umgca wetyala ukuze uchithe iiholide, uhlawulele isikolo sabantwana okanye uhlawule iindleko ebezingalindelekanga. Ngamanye amazwi, zombini kunye nangaphandle kwenombolo yesalathiso, awuyi kuba nangxaki yokuba nolu hlobo lolwazi nangaliphi na ixesha kwaye kuyo nayiphi na imeko.
Ngaba ndingazi ukuba ndikwi-ASNEF kwi-intanethi?
Njengoko siqhubele phambili kwisahluko esidlulileyo, kunokwenzeka ukuba sibe nolwazi olubaluleke kakhulu kwi-Intanethi. Ufanele ukwazi ukuba xa ezi datha zipapashwa, inkampani ayiyi kuba nakhetho ngaphandle kokuthumela umntu ochaphazelekayo ukuba afakwe kule klabhu ikhethekileyo. Ukuba ngenxa yaso nasiphi na isizathu, oku bekuyimeko yakho, ungakhathazeki njengoko unokuqinisekisa ngokubandakanywa kwakho okanye hayi kwi-Intanethi. Ngoluhlu lweemeko ekufuneka uhlangane nazo kuzo zonke iimeko: njengalezo sizibonisa ngezantsi.
qokelela i amanani abhaliswe ngawo kwaye xa sele ungenile iwebhusayithi ye-ASNEF. Le datha iya kufunwa ukuze ukwazi ukufikelela kuyo kwaye ekugqibeleni ungasusa amathandabuzo akho. Ngokubonisana nge-intanethi okungayi kubandakanya nayiphi na imali ekhutshwayo. Ukwenza oku kuya kufuneka unikeze uluhlu lwedatha okanye ulwazi malunga nawe, olufana noku kulandelayo:
- Igama kunye nefani yomfaki-sicelo okanye, apho kufanelekileyo, igama lenkampani, kwimeko yenkampani.
- Inombolo yesazisi. Basenokuba eziliqela ezifana DNI, NIE okanye CIF.
- Inombolo yerefurensi. Kwimeko yokuba bakuthumelele isaziso malunga nokubandakanywa kwakho kuluhlu lwabasilelayo.
- Idilesi yomntu ocela olu lwazi.
- Inombolo yefowuni. Nokuba yimfonomfono okanye ifowuni yasekhaya, nangona sicebisa eyokuqala kuba banokukuthumela umyalezo weSMS wohlobo oluthile lwesaziso.
- Kwaye ekugqibeleni, abayi kufuna ukuba ubeke i umhla wesicelo.
Ngoko ke, ukwazi olu lwazi, oko kukuthi, ukuba ngokwenene ndikwi-ASNEF, yinkonzo nawuphi na umsebenzisi onelungelo layo kwaye yamkelwa yimimiselo yangoku. Ngemithombo emibini onokuthi ukhethe: kwelinye icala kule nkampani kwaye kwelinye icala ngokusebenzisa amaqonga ahlukeneyo e-intanethi avumela ukuba kunokwenzeka ukuwaqokelela kwi-intanethi. Nangona ngeendleko zezoqoqosho kuxhomekeke kwinkampani.
Kuyo nayiphi na imeko, ukuba unokukrokra okuncinci malunga nale meko, kucetyiswa kakhulu ukuba uyihlolisise ngombuzo wezi mpawu, oko kukuthi, kwi-intanethi. Okokuqala kuya kukunceda susa onke amathandabuzo malunga nalo mba unokubaluleka kakhulu kubudlelwane bebhanki okanye ezinye iinkampani zemali. Kwaye okwesibini, kuba kuya kukunceda ukuba uhlawule izikhundla zabanetyala. Kunikwe ithuba lokuba kwiinyanga ezizayo uya kuzifumana unesidingo sokucela nawuphi na umgca wetyala. Phakathi kwazo zobuqu, zokusetyenziswa, imali yeshishini okanye nokuba yimali-mboleko yokuhlawula ukuthengwa kwekhaya lakho okanye enye indawo.