Uma ufake isicelo noma ubolekwe imali kunoma yisiphi isikhungo esivamile sasebhange, impela uzwile futhi uyayazi le mali CIRBE term. Namuhla sifuna ukukhuluma nawe ngokujulile mayelana yini iCIRBE futhi yenzelwe ini lapho ufaka isicelo semalimboleko ngisho nemali mboleko. Siyacacisa, futhi sizokwenza kulo lonke i-athikili, lokho I-CIRBE ayilona uhlu lwabenza iphutha njengo-ASNEFYize womabili esetshenziswa kabanzi ngamabhange, ukusetshenziswa kwawo kwehluke kakhulu komunye nomunye.
I-CIRBE isiza izikhungo ukuthi zithathe isinqumo futhi ziqonde kangcono ukuthi ngubani ofaka imali mboleko, kubhekiswa kumlando wazo wesikweletu.
Yini uCIRBE?
I-CIRBE yiRisk Information Center yeBhange laseSpain, futhi ibisebenza eSpain kusukela ngo-1972, ikakhulukazi emabhange, kodwa ezinye izikhungo eziningi zezimali nazo ziyayisebenzisa, yize kungenjalo.
I-CIRBE iyi-database, njengesibonelo, i-ASNEF, eyondliwe ngolwazi lwezezimali lwamabhange, futhi iphethwe futhi ilawulwe yiBhange laseSpain uqobo.
Uhlu lusobala, kodwa ngokwemvelo yangasese, okusho ukuthi, noma ngubani angakwazi ukufinyelela kulwazi olusohlwini, kodwa lapho ecelwa ukufinyelela ngaphambilini. Kamuva sizokukhombisa ukuthi ungayicela kanjani.
Uhlu londliwa njalo ngenyanga yizo zonke izikhungo, futhi idatha yazo zonke izimalimboleko ezingaphezu kwe- € 6000 iyaqoshwa.
Ohlwini, uzokwazi ukubona konke imalimboleko esele abantu abanayo, enikeza umbono womlando namandla wesikweletu salowo ofaka isicelo semalimboleko. Imininingwane ngeziqinisekiso, amakhredithi (hhayi nje imali mboleko), kanye nobungozi ngokujwayelekile izikhungo zezezimali ezinazo namakhasimende abo nazo zibaliwe.
Ngokufingqa, I-CIRBE yirekhodi lemininingwane izikhungo zezezimali ezinayo ngawe.
Ake sinikeze isibonelo: Uma ungumnikazi wesibambiso, i-CIRBE izobhala uhlu lwemali mboleko, igama lakho, inombolo yakho kamazisi wentela kanye nenani lesikweletu ekupheleni kwenyanga ngayinye. Futhi lokho ngemalimboleko ngayinye noma ukunyakaza okwenzayo ngaphezulu kwe- € 6000.
I-CIRBE inezinhloso ezimbili ezicacile:
- Nikezela ngolwazi kumabhizinisi mayelana nezikweletu zamakhasimende abo namandla okukhokha.
- Nikeza iBhange laseSpain imininingwane kanye namandla okuphatha nokuhlola ukusebenza kwazo zonke izikhungo zezikweletu ezisebenza eSpain.
I-CIRBE isebenza kanjani?
Njengesizinda semininingwane okuyiyo, i-CIRBE kumele ihlale iphakelwa ukuze usizo lwayo luqhubeke lube lukhulu, yingakho izinhlangano ziphoqelekile ukuthumela imininingwane njalo ngenyanga, yonke imikhuba yemisebenzi yazo, abaphethe, ngemininingwane yabo, izici nezimo zabo .
Njengoba sishilo ngaphambili, imisebenzi eyenziwayo ilingana noma inkulu kune- € 6000.
Izinkampani okufanele zithumele imininingwane yakho yilezi:
- Amabhange
- Amabhange wokonga
- Amabhizinisi wezikweletu
- I-ICO
- Amagatsha aseSpain wezinhlangano zakwamanye amazwe
- Imali yesiqinisekiso
Imininingwane izosiza izinhlangano ukuthi ziqonde ubungozi ekusebenzeni kwazo.
Uyini umehluko phakathi kweCIRBE ne-ASNEF?
Abantu abaningi bayakukholelwa lokho I-CIRBE ngolunye uhlu lwabazikhokha njenge-ASNEF, futhi akukho okucishe kube ngokoqobo.
I-CIRBE i-database lapho kuqoqwa khona ubungozi bezikhungo zezikweletu, eziqala ngo- € 6000, kungakhathalekile ukuthi imisebenzi ilinde ukukhokha noma cha.
Imininingwane yobuhlongandlebe kufanele yaziswe, kepha kwimininingwane yolwazi efana Nezikhungo Zezikweletu.
I-CIRBE ilawula kuphela imininingwane enobungozi ukuze izinhlangano zikwazi ukunquma kangcono futhi zihlolisise amandla okukhokha amaklayenti azo, yize zingayisekela ngemibuzo ku-ASNEF noma kuhlu olufanayo.
Ngabe izikhungo zezikweletu zingafinyelela kulwazi lwami ngaphandle kwemvume?
Ngamafuphi, yebo. Kodwa kukhona umehluko wemisindo nemiqondo yamagama.
Lapho ufaka isicelo semalimboleko, umthetho uvumela ibhizinisi ocela ukuthi likwazi ukukwenza finyelela kulwazi onalo ku-CIRBE, ngaphandle kwesidingo sokucela imvume yakho yokwenza kanjalo.
Vele, ibhizinisi liphoqelekile ukukwazisa ngelungelo elinalo lokwenza kanjalo, ngaphandle kokusho ukuthi ungale noma cha, kumane kuyisaziso esibhaliwe.
Ungayithola kanjani idatha yakho ku-CIRBE
Njengoba sishilo ngaphambili, i-database iyimfihlo, yize isesidlangalaleni, okusho ukuthi noma yimuphi umuntu wemvelo noma wezomthetho angaluthola ulwazi.
Sikukhumbuza ukuthi ukufinyelela kumahhala, futhi hhayi nje kuphela ukuthi ungathintana nakho, kodwa unelungelo lokulungisa imininingwane oyithola ingalungile, futhi ungazi nokuthi yimaphi amabhizinisi afinyelele imininingwane yakho ezinyangeni eziyisithupha ezedlule.
Kanjani? I-Bank of Spain ivule iziteshi ezintathu zalokhu:
- Ngehhovisi elibonakalayo leBhange LaseSpain, ngalokhu kuyadingeka ukuthi ube ne-DNIe nedivayisi ezosebenza kukhompyutha yakho. Ngaphezu kwalokho, udinga isitifiketi sedijithali esivela ku-National Currency and Stamp Factory.
- Ngokwami, ungaya emahhovisi e-CIRBE eBhange LaseSpain, eliseCalle de Alcalá 48 eMadrid, lapho kufanele wethule i-DNI noma i-NIE yakho yamanje nebuyekeziwe.
- Ngencwadi (yebo, izinhlamvu zisasetshenziswa), kuthunyelwa isicelo ekhelini:
Ibhange laseSpain
Isikhungo Sokwaziswa Ngengozi
I-Alcala Street 48
28014, eMadrid
Incwadi kufanele isayinwe, nekhophi yezinhlangothi zombili ze-NIE yakho noma i-NIE, nekheli lempendulo elizothunyelwa kuwe ngeposi eliqinisekisiwe.
Yiziphi izingozi uCIRBE azithatha kanjalo?
Kuze kube manje sikhulume ngerekhodi elihlala njalo elenziwa yiCIRBE ngayo yonke imininingwane yezezimali yezakhamizi zaseSpain, kepha yini ingozi yezikweletu?
Ubungozi besikweletu kungenzeka ukuthi kube nomcimbi omubi, kuleli cala, ukwehluleka kwemali mboleko.
Cabanga ukuthi ucela inkampani ethile imali yemoto yakho, bese uyayinikezwa. Uthenge imoto ngemali evela ebhange okufanele uyibuyise kancane kancane ngama- € 200 ngenyanga iminyaka eyishumi, ngokwesibonelo.
Iyini ingozi? Ukuthi awuyikhokhi imalimboleko enjalo njalo ngenyanga ngakho-ke, ibhizinisi aliyitholi imali yalo, ubungozi kungaba inani eliphelele lesikweletu.
Kunezinhlobo ezimbili zobungozi i-CIRBE ephethe:
- Ubungozi obuqondile: Kususelwa kwizimalimboleko noma izikweletu kanye nokuvikeleka kwemali etholakalayo.
- Izingozi ezingaqondile: Labo abatholwe ngokuvuma noma ngokuqinisekisa ukuthi imali mboleko yabo noma amakhredithi abo ayenziwa kubantu besithathu (inani eliphansi lezingozi ezingaqondile yi- € 30.000)
Ngabe uCIRBE usithinta kanjani isicelo sami semalimboleko?
Amabhange asebenzisa lonke ulwazi ukunquma ukuthi angayinikeza yini imalimboleko noma cha, noma inani angabeka engcupheni lapho elifaka.
Uma ungaveli ku-CIRBE, kusho ukuthi ibhange alinawo amathuluzi okwazi ubungozi, noma kunalokho, amandla esikweletu sakho, lokho abaningi bethu abakwaziyo ngokuthi "umlando wesikweletu"
Ukuvela ku-CIRBE akukubi, empeleni, akunakugwemeka ukuvela uma ufake isicelo semalimboleko noma amakhredithi amakhulu kune- € 6000, inkinga ukuthi uzovela kanjani kuCIRBE.
Ngesikhathi I-CIRBE ayilona uhlu lwabasebenzisi okufanele basebenzise, Yebo, kungakuthinta ukuba nezikweletu eziningi, ukukhokha sekwedlule isikhathi noma isichasiselo sokungahambi kahle kunoma yiziphi izikweletu zakho.
Khumbula, noma kunjalo, ukuthi, kuleli fayela, ayikho imininingwane yanoma yini, isikweletu kuphela, igama lakho nohlobo lwesikweletu.
Izincomo
Yize ungenamandla okuphatha imininingwane ekhona ngawe ku-CIRBE, ungenza izinto ukuze uzuze kule database yomphakathi futhi uvikele izinkinga noma ukuvalwa kokutholakala kwesikweletu ngokuzayo.
Ngakho-ke, sikunikeza ezinye izeluleko:
- Ezikhathini eziningi, amabhizinisi ezezimali abuza abafakizicelo ngqo uma benezikweletu noma imali mboleko namanye amabhizinisi. Ungalokothi uqambe amanga, ngisho nangezaba zokukhohlwa noma ukudideka ulwazi. Thembeka, noma kunjalo, bazobuyekeza ifayili bese bazi ukuthi unamanga noma cha.
- Buyekeza ngezikhathi ezithile imininingwane esefayelini lakho ku-CIRBE: uzokwazi ukubona imininingwane yonke isikhungo sezezikweletu esikubonayo ngawe, futhi, ungathola ngokushesha noma yiluphi ulwazi oluyiphutha, ukuze ukwazi ukucela ukulungiswa kwalo ngokushesha ku-CIRBE noma iBhange LaseSpain.
- Hlola i-ASNEF noma uhlu olufanayo, kungenzeka ukuthi imali mboleko iyenqatshwa, hhayi ngenxa yolwazi lwe-CIRBE, kepha ngenxa yokwehluleka okungaphansi kwe- € 6000, ebhaliswe kufayela elihlambalazayo.
- Yenza irekhodi elinemininingwane yezikweletu zakho, walokho okukhokhayo, okukhokhile nalokho okulindele ukukukhokha, nemininingwane yokuthi obolekayo ungubani nokuthi umsuka wesikweletu uthini. Isibonelo: Imalimboleko yemoto, i- € 12.000, ngikhokhele i- € 6500, usuku olubekiwe lwango-2020, € 215 ngenyanga, kwi-Bank XYZ.
- Gwema ngazo zonke izindlela ukuwela ezikweletini ezeqile, okungukuthi, ukuthi ukukhokha kwakho izikweletu kumele ingxenye ebalulekile yomholo wakho. Ochwepheshe abaningi bathi akufanele yeqe ama-40% omholo wakho. Ibhange ngalinye lenza izifundo zalo futhi ngolwazi oluvela ku-CIRBE noholo lwakho, bazokwazi ukuthi unesikweleti esingakanani nokuthi ungakwazi yini ukuthatha isikweletu esisha.
Lezi zeluleko zizokusiza uthathe isimanga lapho ufaka isicelo semalimboleko yakho, futhi konke kuhlobene nokusetshenziswa okwenziwa izikhungo zesikweletu kolwazi olukhulu olunikezwa yiCIRBE kubo bonke.