Aphela nini amatyala eSpain

  

Kuqhelekile ukuba ngaxa lithile ebomini bethu siye sanaso ityala kwinkampani okanye omnye umntuKusenokwenzeka nokuba sinetyala. Nangona kuyinto eqhelekileyo, ababaninzi abaziyo ukuba xa ixesha lifika, Ityala linokumisela, oko kukuthi, liyayeka ukubakho kwaye yile nto kanye esifuna ukuthetha ngayo kolu papasho.

Ngaba amatyala ngonaphakade?

Ngokwesiqhelo abantu abangena ematyaleni bahlala becinga ukuba Amatyala ayaqhubeka de kuhlawulwe imali iyonke babolekisiwe, ukongeza kwinzala. Inyaniso, nangona kunjalo, kukuba eSpain, amatyala awahlali ngonaphakade okanye ngonaphakade. Amatyala amisela kwaye enze njalo ngeendlela ezahlukeneyo, umzekelo:

• Okokuqala, ityala ngokucacileyo limisela xa isixa semali osityalayo sihlawulwe ngokupheleleyo.
• Yintoni eyaziwa ngokuba yi “amayeza amiselweyo ", eyenzeka emva kokuba ixesha elithile lidlulile, ityala licinyiwe, nokuba umntu onetyala akayikuhlawula yonke into ayityalayo.
• Ngokunjalo, kunokuhlawulwa intlawulo yokuba umhlawuli werhafu onetyala kwi-Arhente yeRhafu, ubuyekeza ityala lemali ekufuneka ifunyenwe njengembuyekezo yerhafu yengeniso yomntu.
• Nangona kungummiselo onqabileyo wamatyala, ukugwetywa kukwayenye indlela emiselwa ngamatyala. Le meko yenzeka xa umntu obolekayo "exolela" ityala.

Leliphi ixesha ekumiselwa ngalo amatyala eSpain?

Ngokwenyani yonke into isekwe kuhlobo lwetyala elingeneyo. Okwangoku, iKhowudi yoLuntu eSpain iseka ubuninzi bayo ixesha elifikelela kwiminyaka emi-5 kwityala lokumisela, kodwa oku kusebenza kuphela kula matyala angenawo ummiselo ocacileyo wokumiselwa. Kukho amagama ahlukeneyo kwiindidi ezahlukeneyo zamatyala.

• Ukuba ngaba yi- imali mboleko yemboleko, ukumiselwa kwetyala kusekwe ukuya kuthi ga kwiminyaka engama-20. Kwimeko yesenzo sobambiso, umntu ongakhange achaze ixesha elikhethekileyo lokumiselwa kwetyala, eli li-15 leminyaka.
• Kulo ityala lamatyala okhuseleko lweNtlalo kunye noNondyeboOku kumiselwa ixesha eliyiminyaka emi-4.
• Ukuba imalunga namatyala iimali mboleko ezinxulumene nokungabambisi kwaye zinikezelwe ziibhanki, inzala esebenzayo iyalela emva kweminyaka emi-5. Kwimeko yamatyala aphambili, oku kuyamisela emva kweminyaka emi-5. Nangona kunjalo, ukuba ityala lafunyanwa phakathi kukaNovemba 7, 2000 kunye noNovemba 7, 2005, ummiselo wemida yiminyaka eli-15.
• Malunga ne Amatyala afunyenwe kwi-alimony, ukuhlawulwa kweenkonzo, ukuqeshiswa kwezindlu, ukumiselwa kwayo yiminyaka emi-5.

Unokwenza ntoni umboleki-mali phambi kokuba amiselwe amayeza?

Xa umntu obolekayo ejongene nemeko apho umntu onetyala angahlawuli nje ityala lakhe, unokubhenela kulo iinkqubo zokugweba okanye zokugweba ukwenza ibango lentlawulo. Ngale ndlela, umthetho okhoyo ngoku umisela ukuba umntu obolekayo angawumisa ummiselo wetyala ukuze lingacimi kwaye aphulukane nemali yakhe.

Iindlela ezahlukeneyo apho umboleki-mali anokuphazamisa ukumiselwa kwetyala zezi:

• Ngokuthumela i-burofax
• Ngomthetho
• Ngenkqubo yokwamkelwa kwetyala
• Ukurhoxa kwimali mboleko kwaye ngenxa yoko ufumane ukuhlawulwa kwetyala

Kubalulekile ukuba uqonde ukuba xa umbolekisi esenza nayiphi na into isenzo sokubanga ityala, into oyenzayo kukumisa amayeza amiselweyo ematyaleni. Oku kuthetha ukuba ixesha elifunekayo lokunyamalala kwetyala liqala kwakhona ekuqaleni. Ewe kunjalo, nje ukuba onetyala axelelwe ukuba eli bango letyala lenziwe.

Umzekelo, xa une umqeshi ongayihlawulanga irente yepropathi, umboleki-mali angenza ibango lentlawulo ngendlela yokugweba okanye yokugweba, nangaliphi na ixesha ngaphambi kokuba kudlule iminyaka emi-5 okoko kwafunyanwa elo tyala. Eli xesha linye leminyaka-5 lokupheliswa kwetyala liqala kwakhona ukuqala.

Ibango elongezelelweyo

Ukuba ufuna ukuyeka ukumiselwa kwetyala, kubalulekile ukuba kuqinisekiswe ukuba umboleki-mali uqhakamshelene nomtyali. Xa into enje isenzeka, eyona nto icetyiswayo kukuthumela umxholo we-burofax, apho ibango lentlawulo lenziwa khona. Ukongeza, kwaye ngenjongo yokuba umntu onetyala angatsho ukuba unxibelelwano alwenziwanga kakuhle, kungcono ukuba ibhalwe yingcali ngalo mbandela, kule meko igqwetha elikhethekileyo kumabango etyala.

Into yesiqhelo kukuba ngumbhalo apho umntu onetyala aboniswa ukuba usenayo ityala elihlawulwa kumbolekisi wakho. Ukunika ubunyani ngakumbi kuxwebhu, unokuqhoboshela lonke ulwazi olubonisa ubukho betyala elichaziweyo, nangona oku kunganyanzelekanga. Kwakwalo xwebhu, unikwa ixesha lokuhlawula ityala lakho kwaye ubonise nendlela onokuthi uhlawule ngayo. Olu bhalo alunyanzelekanga ukuba lubhekisele kuphazamiso lonyango.

Ibango lezomthetho

Ibango lokugweba ityala lifuna ukuhamba kwinkqubo yoluntu kwaye kwezi meko eyona ifanelekileyo ngumyalelo wenkqubo yokuhlawula. Le nkqubo iquka ukugcwaliswa kwebango, kunye namaxwebhu avela kuwo amatyala. Nje ukuba konke oku kumiselwe, ijaji ifuna ukuba onetyala ahlawule ityala lakhe okanye ayiphikise kwithuba elingadlulanga kwiintsuku ezingama-20.

Kwimeko apho umntu onetyala angalihlawuli ityala lakhe emva kokuba kwenziwe inkqubo yentlawulo okanye engakhange avele kuyo, ke umgaqo wenkqubo yokuhlawula uyayekiswa kwaye kulapho umntu otyalwayo angacela ukwenziwa. Ngoku, ukuba iimali ezifunwayo ngolandelelwano lwenkqubo yokuhlawula zingaphezulu kwe-2.000, XNUMX kwaye umntu onetyala uyala, kwinkqubo yokubhengeza ethathwe kule meko, ungenelelo lwegqwetha kunye negqwetha liya kufuneka.

Emva koko ijaji iya kunikwa umsebenzi wokujongana namabango abo bobabini abachaphazelekayo kwaye iya kugqiba ukuba kukho ityala okanye cha. Kwimeko apho isigqibo sejaji sithanda umboleki-mali, ke iya kuseka ixesha umntu onetyala uyalicima ityala lakhe. Ukuba ngaphandle kwayo yonke le nto, umntu onetyala akafuni okanye akakwazi ukuhlawula oko akutyalayo, into yokugqibela sisenzo sokugweba, apho into eqhubekayo kukuthathwa kweempahla zomntu onetyala ukukhawulelana noko kufanelekileyo.

Kuthekani ngokumiselwa kwetyala kwikhadi letyala?

Okwangoku, i Ixesha lokuthintela ityala kwikhadi letyala yiminyaka emi-5, ezibaliweyo ukusuka ekufezekisweni kwesibophelelo kunokufunwa. Kufuneka kuthathelwe ingqalelo ukuba ngaphambili, umda wokulinganiselwa wawuyiminyaka eli-15, kodwa ngenxa yohlaziyo kwinqaku le-1964.2 yeKhowudi yoLuntu, ngoku yiminyaka emi-5 kuphela.

Amaxesha amaninzi xa unayo Ityala lekhadi letyala, ibango lenziwa ngomyalelo wenkqubo yokuhlawula. Kwimeko yokumiselwa kwetyala lekhadi letyala, kunyanzelekile ukuba uphikise le meko njenge "Isizathu sokuchasa" kumyalelo wenkqubo yokuhlawula.

Olu tshintsho kwi ukumiselwa kwetyala lekhadi letyala, ithatha ukuba onke amatyala avela kwikhadi letyala kwaye anikwe ikhontrakthi emva kwe-7 kaNovemba ngo-2015, anomthetho wokuthotyelwa kweminyaka emi-5 apho ukufuneka kungafunwa.

Kwelinye icala, onke amatyala ekhadi letyala emva koNovemba 7, 2005 naphambi kukaNovemba 7, 2015, ukumiselwa kwawo kuya kuba nge-6 kaNovemba ka-2020. ukusukela ngalo mzuzu apho ukuthotyelwa kunokufuneka, ukongeza kwiminyaka eli-7.

Ngaba amatyala ngeebhanki kunye noKhuseleko lwezeNtlalo ayavuma?

Ukuba ufuna ukwazi liphela nini ityala kumabhanki, Into yokuqala ekufuneka uyenzile kukujonga ukuba loluphi uhlobo lwemali mboleko ongene kuyo. Okwangoku, ukumiselwa kwamatyala kwiibhanki kunexesha leminyaka eli-15 elibalwa ukusuka kwisaziso sokugqibela ukuya kulowo unetyala.

Kwimeko yoKhuseleko lweNtlalo, umthetho wangoku umisela ukuba ityala liphela emva kweminyaka emi-4, kodwa kuphela kwezi meko zilandelayo:

• Amanyathelo okunyanzelisa ngenxa yokungahambelani nemigaqo yoKhuseleko lweNtlalo
• Izenzo zokufuna ukuhlawulwa kwetyala leminikelo yoKhuseleko lweNtlalo
• Amalungelo oLawulo loKhuseleko lwezeNtlalo ukumiselwa kwawo onke loo matyala kunye noKhuseleko lweNtlalontle nokuba zizabelo.