I-ASNEF zii-acronyms ze- Umbutho weSizwe wamaZiko eMali eMboleko.
Lo mbutho ukwaziwa ngokuba yi "Uluhlu lwabasileli", kwaye ukuba kuluhlu lwe-ASNEF kunokuba yenye yezona zinto zonakalisayo ezinokwenzeka kuthi kwezoqoqosho.
Ibizwa njalo "Uluhlu lwabasileli" Kuba olu luhlu lubandakanya abantu abangahlawuliyo amatyala abo, yiyo loo nto beba "ngabaphuli-mthetho," kwaye akukho mntu ufuna ukuba kolu luhlu.
Yintoni i-ASNEF EQUIFAX?
Ayisiyonto ngaphandle kohlobo lwefayile apho inani elikhulu le zezemali Kancinci kancinci bayongeza abo bathengi bangahlawuliyo amatyala abo kwaye, ke ngoko, baba "ngamanyala".
Kwimeko yokungawahlawuli amatyala, okanye kwimeko yokungayihlawuli imali-mboleko okanye enye into efanayo, uya kuthi ekugqibeleni uphelele kwezi fayile, kwaye oko kungakhokelela kwiingxaki ezininzi. Ayisiyo fayile esetyenziswa yinkampani enye, kodwa bayisebenzisa yonke ngaxeshanye, ke ukuba unetyala nge-BBVA, iSantander umzekelo nezinye iibhanki ziya kuyazi.
Le fayile yenye yezona zaziwa kakhulu kwaye zisetyenziswa kakhulu kuhlobo lwayo (nangona ayisiyiyo yodwa), kwaye ikwayeyona inkulu, nokukhula okuphakathi kwabantu abangama-200.000 ngenyanga. Abantu abaninzi, ngokungathandabuzekiyo!
Ngaba ichaphazela kuphela amaziko emali?
Kwelinye icala, kuyathakazelisa ukuqaphela ukuba ayisiyiyo kuphela Imibutho yezemali ngamalungu e-ASNEF (nangona ezi zinobunzima obungaphezulu kokubaluleka zizonke), kodwa zithathe inxaxheba nakwiinkampani zomnxeba, igesi, umbane kunye neenkampani zombane, iinkampani zeinshurensi, abapapashi, ulawulo lukarhulumente, njalo njalo.
Ke akukho mntu ugcinwayo, kubaluleke kakhulu ukuhlawula amatyala akho kuyo nayiphi na indawo ofuna inkonzo kuyo nayiphi na into, nokuba yeyiphi na okanye yeyiphi na eyimfuneko.
Recuerda que Nabani na onokuthi angene kuluhlu lwabasilelayo ...
Ndazi njani ukuba ndikuluhlu lwe-ASNEF?
Ngokubanzi, kufuneka uziqwalasele ulwaphulo-mthetho nje ukuba sikhona usilele kwiintlawulo ezintathu zilandelelana zeentlawulo zetyala elidlulileyo. Ezo nyanga zintathu lixesha elinikwa ziinkampani ezininzi kubathengi ukuba benze intlawulo zabo kwimeko yokufika emva kwexesha.
Emva kweenyanga ezintathu, uninzi lweenkampani zikubeka kuluhlu lwabamnyama, kwaye kwimeko apho uqhubeka nokungahoyi kwaye ungathobeli intlawulo osityala yona, baya kukudibanisa Uluhlu lwe-ASNEF, Abelana ngazo nezinye iinkampani.
Ke akukho mntu usindiswayo kuyo nayiphi na into, ukuba unembali ukungahlawuli kunye nenkampani, ke zonke iinkampani ziya kufumanisa malunga noku kwaye awuzukukhetha ngaphandle kokuhlawula yonke into onetyala lakho.
Ndivele kuluhlu lwe-ASNEF kwaye khange ndisilele kuyo nayiphi na intlawulo, ndenza ntoni?
Njengalo naluphi na uhlobo lwenkqubo, ngamanye amaxesha kukho iibugs kunye neempazamo kuluhlu, kwaye ngubani omele ukuvela kuluhlu akabonakali kwaye ngubani ongamele ukubonakala. Into yokuqala onokuyenza ukulungisa ezi ntlobo zeengxaki kukuya kwifayile yakho ibhanki ethembekileyo kwaye ubuze ngaphandle kwesibophelelo. Umcebisi wakho uya kuba nakho ukukunika olo lwazi ngaphandle komthungo nangokupheleleyo.
Kwimeko apho ibhanki ingakuniki olu lwazi, ungaya kwelinye iziko lezemali kwaye ubonise injongo yoku isicelo sekhredithi (ngokucacileyo, ngaphandle kokuyigqiba). Ngexesha lenkqubo, ibhanki iya kufunda ngesisombululo sakho, kwaye oko kubandakanya ukukhangela ukuba ukule Uluhlu lwe-ASNEF. Ukuba kunjalo, baya kukwazisa ngoko nangoko.
Ngoku, ukuba olu khetho alusebenzi kuwe, ungahlala wenza umbuzo nge-intanethi; i I-ASNEF EQUIFAX ilawulwa yi-EQUIFAX IBÉRICA kwaye unganxibelelana sac@equifax.es.
Ungayenza kwakhona kwiwebhusayithi ye-EQUIFAX, http://equifax.es. Kuzo zombini ezi meko, kuyakufuneka uthumele ikopi yesazisi sakho ukuze uzazise ebantwini abaza kuzimasa wena.
Kufuneka wenze ntoni ukuba ndikumaZiko eMali eMboleko?
Into yokuqala ekufuneka uyazi ukuba uku- Uluhlu lwaseburhulumenteni lwe-ASNEF, kukuba inkampani ekwazisa kuyo (Oko kukuthi, inkampani ongahlawuliyo kuyo amatyala okanye amatyala) kufuneka ikwazise kwiintsuku ezingama-30 ngaphambi kokuba ikongeze kuluhlu. Kwimeko apho uku-ASNEF kwaye abakwazisanga, ungajonga ukhetho lokumangala.
Enye into ekufuneka uyiqwalasele kukuba iinkampani ezininzi zibandakanya abathengi abanamatyala angekhoyo, ngokwenyani kuluhlu lwe-ASNEF. Ngokuqhelekileyo iinkampani zomnxeba okanye zombane abenza iintlawulo ezingangqinelaniyo nezona nkcitho zomthengi. Ezi zihlala ziingxaki ezithile kwaye kufuneka zisonjululwe kunye nenkampani uqobo.
Ekuqaleni, kwezi meko akufuneki nokuba ubonakale kwifayile ye- Uluhlu lwe-ASNEF, kodwa ukuba kunjalo kwaye kufanelekile, kufanelekile ukunxibelelana nenkampani ukuze ungalithwali elo tyala ungalifanelanga.
Kwelinye icala, kwimeko apho, enyanisweni, unezizathu zokuba ube kumaziko amaTyala ngeMali, oko kukuthi, awuhlawulanga matyala athile okanye amatyala emali, ungacela ukuba idatha yakho isuswe kwaye ke akukho bungqina ukuba ekugqibeleni. Ukwenza oku, kuya kufuneka uhlangabezane nezi mfuno zilandelayo:
- Ityala sele lihlawulwe kwaye kunjalo, uyaqhubeka ukubonakala njengomntu onetyala.
- Ityala lebango lingaphezulu kweminyaka emithandathu.
- Ukufakwa kwegama lakho kuMaziko aMatyala eMali akwaziswanga ngeleta.
- Imali ebangwayo ayiyonyani okanye ayonelisekanga.
- Ityala elibangaweyo aliboniswa yinkampani.
- Ityala ayililo elakho okanye isazisi sakho silingisiwe.
Kule meko, kuya kufuneka bakususe kuluhlu lwe-ASNEF, okanye uluhlu lwabangaphumeleliyo. Kwimeko apho uvela kwaye uhlawula ityala lakho, into eqhelekileyo kukuba, ngokukhawuleza, bakususe kuluhlu. Kwimeko apho oku kungenjalo, imeko ekhankanyiweyo kwindawo yokuqala iya kwenzeka.
/ Ususa njani igama lam kuluhlu lwe-ASNEF?
Ukuba uzibona ukuluhlu lwabatyholwa, kuya kufuneka uqonde ukuba ukuphuma akukho lula, kodwa oko akuthethi ukuba akunakwenzeka.
Abemi baseSpain abazizigidi ezibini ezinesiqingatha abawahlawuli amatyala abo, oko kuthetha ukuba abo bantu babini nesiqingatha sezigidi bayayiqonda into ekufanele ukuba ikuluhlu I-ASNEF EQUIFA, okanye irejista yokusilela, olo luhlu lwabantsundu ekungekho mntu ufuna ukuba kulo.
Ukuphuma kolu luhlu inyathelo lokuqala kukuhlawula. Nangona kunjalo, oku akuyi kwanela, kuba oku kulandelayo kukucela ukuba ususwe kuluhlu lwe-ASNEF, kodwa ifayile ayizukukwenza oko de inkampani enamatyala iyamkele intlawulo. Musa ukulindela ukusebenza ngokufanayo ukufuna intlawulo njengokuzisusa kuluhlu lwabantsundu, kuba ngaphandle kokunyanzelisa, kubalulekile ukuthathela ingqalelo ukuba kungathatha ukuya kuthi ga kwiminyaka emi-6, ngumda osemthethweni lowo.
Kwaye ukuba ityala abanalo liyimfihlo, njengoko kunjalo nolawulo, isisombululo siya kuba lula kakhulu. Bayayithatha kwiakhawunti yabo yokujonga kunye nokuphela kwebali.
Into yokuba uvele kuluhlu olungqinisisi ukubanakho ukuhlawula ngexesha inokuchaphazela kakhulu icandelo lezemali lobuqu, ke ngoko kubaluleke kakhulu ukuba wazi ukuba wenzeni xa singena kolu luhlu lwabantsundu.
Isiphelo
Ngamafutshane, Umbutho weSizwe wamaZiko eMboleko ngeMali, i-ASNEF okanye "uluhlu lwabangahlawuli kakuhle"Nokuba yeyiphi na ofuna ukuyibiza, luluhlu apho zonke iinkampani eziza kuthi zibonelele ngenkonzo ngentlawulo yexa elizayo ngumthengi athathe inxaxheba ukuze bazi ukuba bazokwazi okanye abayi kuhlawula, kwaye ukuba sele inebali emva kokungagqibeki.
Ngokufanelekileyo lolona khetho lufanelekileyo lokuchonga ukuba uku- Uluhlu lwe-ASNEF, okanye ukujongana nengxaki malunga noku (ukuba uyavela kuluhlu nokuba awukhange usilele kuyo nayiphi na intlawulo, umzekelo), kukutyelela iwebhusayithi kwaye uqhakamshelane nabo nge-imeyile yabo. Nangona abantu abaninzi benengxaki kwiwebhu kwaye bakhetha ukusebenzisa ezinye iindlela zokukhetha ukusombulula ezi ngxaki ezinokuthi zisebenze ngokuchanekileyo kodwa kancinci kancinci, kuxhomekeke kumntu ngamnye ukuba bakhetha ukunxibelelana nezinye iindlela.
Khumbula ukuba kobu bomi akukho nto isimahla; Ukuba awufuni ukuzibandakanya kwingxaki yemali okanye nantoni na enjalo, kuya kufuneka ulandele imigaqo yomdlalo. Hlawula amatyala akho, ukuba ucela imali-mboleko emva koko uyibuyise ngexesha elibonisiweyo kwaye ke ngekhe ungene kulo naluphi na uhlobo lweengxaki. Khathalela impilo yakho yezemali!