I-akhawunti ye-Facto: ukwenza ngcono inzuzo yokonga

I-Akhawunti yeFacto izibeke njengelinye lamathuluzi amahle kakhulu wokonga amakhasimende ukuthuthuka ngomkhiqizo olula ongawungenela kanye nezinga eliphansi kakhulu lobungozi (1/6 ngokuya ngerobhothi lobungozi, kuthi i-1 ibe ingozi ephansi kakhulu futhi ibe yi-6 ephezulu kakhulu ). Enye yezimpawu eziyinhloko zale akhawunti yasebhange ukuthi yethulwa ngaphansi kwemodeli yokuthola izinkontileka kabili. Ngakolunye uhlangothi, i-akhawunti yokuhlola ngakolunye uhlangothi a idiphozi ephezulu yenzuzo lokho kuthuthukisa kakhulu amazinga aphakathi nendawo we umholo ezinikela ngale mikhiqizo yezezimali okwamanje. Ithuthukiswe yiBanca Farmafactoring, ibhizinisi elisebenza kuyo yonke imakethe yezwe.

Esinye sezikhuthazo zokuthola inkontileka i-El Depósito Facto kungenxa yokuthi amaklayenti azokwazi ukuthuthukisa imingcele yenzuzo ebuthakathaka enikezwa yona ngamanye amabhizinisi. Ngokukhethekile, le akhawunti enikezela ngezinto ezintsha inenzalo efinyelela ku-1,25% APR *. Kepha ngokuqapheleka okuphawulekayo maqondana namanye amadiphozi amathemu futhi lokho ukuthi kulokhu abasebenzisi ngokwabo abakhetha usuku lokuphelelwa isikhathi ngqo. Ukwazi ukuqondisa iminikelo yabo yezezimali ku Izinyanga eziyi-12, 36 noma ezingama-60, kuya ngephrofayili abayivezayo njengabasindisi abancane nabaphakathi.

Konke lokhu, esimeni esifana nalesi samanje, lapho inzalo ejwayelekile yaseSpain kumadiphozi anikezwe ngaphezu konyaka owodwa ingu-0,13%, ngokusho kwedatha yakamuva ekhishwe yi-European Central Bank (ECB) ngenzalo yesikhathi esinqunyiwe esakhiwe le mikhiqizo yokonga. Ngale ndlela, idiphozi ebhaliswe nge-Akhawunti yeFacto izothuthukisa inzalo eyinikeza abasebenzisi bebhange ngamaphesenti angaphezu kwephesenti elilodwa. Ngokwezinga akhethwe ngalo yiRankia Awards njenge Idiphozidi Engcono Kakhulu ka-2017.

I-akhawunti ye-Facto: izinkontileka ezenziwa online

Okunye okukhombisa lo mkhiqizo wasebhange ukuthi ungatholwa nge-100% online futhi ngaphandle kwesidingo sokulinda kolayini noma ngokujaha uma kwenzeka ibhange livalwa. Ngamanye amagama, wonke amadiphozi axhunyaniswe nale akhawunti angabhaliswa kalula kusuka ekhaya noma kwenye indawo. Nganoma yisiphi isikhathi sosuku nokwazi kusukela ekuqaleni ukuthi izobuyiselwa yini imali etholwayo kulondolozwe imali ebekiwe.

I-Akhawunti yeFacto icubungula isilinganiso senzalo saminyaka yonke esingu-0,20%, ngokukhokhwa kwenzalo yanyanga zonke okwenziwayo usuku lokugcina lwenyanga. Enye yeminikelo yayo efanelekile ukuthi ikhululiwe kumakhomishini ekuphathweni noma ekugcineni kwayo.

I-Facto Deposit ingenye yezimali ezikhokhelwa kakhulu okwamanje futhi kunenzuzo eyengeziwe enokuphepha nesiqinisekiso seSikhwama Sesiqinisekiso Sediphozithi. Ngoba empeleni, iBanca Farmafactoring, ekhipha umkhiqizo, inamathiselwe Esikhwameni Sesiqinisekiso Sediphozithi Sase-Italy. Lokhu ngokwenza kusho ukuthi abafaka imali bazolulama kuze kufike ku-100.000 euro nge-deposit ngayinye nakwikhasimende uma kwenzeka noma isiphi isigameko sasebhange.

Ungayivula kanjani i-Akhawunti yeFacto bese wenza idiphozi?

Uma ufuna ukuba ngumnikazi walo mkhiqizo wokonga, ngeke ube nezinkinga eziningi ukwenza le nqubo futhi kuzothatha imizuzu embalwa ukwenza inkontileka ibe semthethweni. Njengoba sibonisile phambilini, ukuvulwa kwayo ku-inthanethi ngokuphelele. Lokhu kusho ukuthi zonke izidingo kumele zenziwe zibe semthethweni kusuka kukhompyutha yakho, ithebhulethi noma i-smartphone yakho. Ngenqubo elula kakhulu yanoma imuphi umsebenzisi wasebhange othuthukiswe kulezi zinyathelo ezintathu esizochaza ngezansi:

1. Gcwalisa ifomu ozolithola kuwebhusayithi yabo lapho kuzodingeka uveze khona i- ulwazi lomuntu siqu okuyisisekelo ngokwengeziwe. Njengoba kwenziwa ngamanye ama-akhawunti namadiphozi amathemu.
2. Ukusayina inkontileka, kungaba nge-inthanethi noma ngefomethi yendabuko, ukuze ngale ndlela inqubo yokuba ngumnikazi walo mkhiqizo wasebhange iyashesha ngesikhathi esifushane.
3. Futhi njengengxenye yesithathu neyokugcina yenqubo kuzoba khona kuphela ukuphathe, kokubili i-akhawunti nediphozithi, kusuka kumadivayisi akho obuchwepheshe kusuka kulo mzuzu onembile. Ngalo mqondo, ukuze wenze i-akhawunti isebenze kufanele udlulise kusuka kunoma iyiphi enye i-akhawunti onayo kwenye inhlangano uye kwi-Akhawunti ye-Facto yakho. Lapho i-akhawunti isisebenza, ungenza iDepho Yedatha yeFacto nenani (eliphakathi kwe- € 10.000 kanye ne- € 3.000.000) kanye negama elifanelana kahle nezidingo zakho (phakathi kwezinyanga ezintathu kuya kwezingama-3).

Bala inzuzo ephelele

Ngemali eyi-10.000 euros isikhathi sezinyanga ezingama-60, ezinye inzalo enkulu yama-euro angama-625. Ngoba kuleli cala, inani lenzalo elizosetshenziswa kuwe lizoba likhulu, 1,25%. Kodwa-ke, amama enzalo ngeke ahlale efana ngoba azokhula ngokuqhubekayo kuye ngokuthi yisikhathi saphakade osikhethayo. Kunoma ikuphi, zihamba ngaphezu kwesilinganiso, phakathi kuka-0,25% no-1,25%.

Imali emifushane kunazo zonke, ngokwesibonelo ezinyangeni eziyi-12, yilezo ezikhiqiza inzalo ephansi kakhulu (0,75%), kuyilapho uma isikhathi sinwetshelwa ezinyangeni ezingama-36, isivuno sikhuphukela ku-0,90%. Ngokuphambene nalokho, ukuthola inani eliphakeme kungadingeka ukukhetha isikhathi se- Izinyanga ze-60. Ngezinye izintshisekelo eziphakeme kakhulu emkhakheni wamabhange kazwelonke.

Izinto okufanele uzigcine engqondweni ngaphambi kokuqasha idiphozi

• Una ukuguquguquka okukhulu ukuze ukwazi ukuzivumelanisa nazo zonke izimo ezikhiqizwa umnotho wakho wasekhaya.
• Bheka i- inani lenzalo ngaphezulu kwalokhu okumakwe yileli banga lemikhiqizo yasebhange.
• Kukhululwe kwezinye izindleko ekuqashweni kwabo, kokubili ekuphathweni nasekulondolozweni.
• Funa ukubuyiselwa kokulondoloziwe ngaphambili ukuze ukwazi ukuthola imali ngaphambi kokuphela kwayo.

Imibandela yalesi siphakamiso

Imigomo okuqondiswe kuyo iminikelo yezezimali isukela ezinyangeni ezi-3 kuye kwezingu-60. Nge- umnikelo omncane wama-euro ayi-10.000, kokunye kokunikezwa okunamandla kakhulu kubantu ngabanye okunikezwa uhlelo lokubhanga. Kunoma ikuphi, uma kukhona okuthile okusha lo mkhiqizo ovelele khona, kungenxa yokuthi kwenziwa ngokukhokhelwa kwenzalo njalo ezinsukwini ezingama-90. Ukuze ngale ndlela, ukwazi ukujabulela ukubuyiselwa kwemali oyongele kusengaphambili. Ngaphandle kokulinda ukuphela kwazo, njengoba kunjalo ngengxenye enhle yamadiphozithi etheimu atholakala ekunikezelweni kwebhange njengamanje.

Kuyindlela yokwengeza ukonga kancane kancane nokuthi kutholakala ngendlela ephephile neqinisekisiwe. Noma yini eyenzekayo ezimakethe zezezimali, abafaka imali bazoba nesiqinisekiso sokuthi inzalo ekhiqizwe yilo mkhiqizo izoya kwi-akhawunti yokonga. Ngaphandle kwanoma yiluphi uhlobo lwezixhumanisi, noma ngesidingo senkontileka neminye imikhiqizo yezezimali. Ihanjiswe ngamafomethi we-inthanethi ukuze ubugagu bayo bungenye yezinhlaka ezijwayelekile ezifanele kakhulu. Kanye nenzuzo ayinikezayo ekulondolozeni amaklayenti.

* I-APR engu-0,25% (0,25% NIR) yediphozi yezinyanga ezi-3, i-APR engu-0,75% (0,75% NIR) yediphozi yezinyanga eziyi-12 ne-APR engu-1,25% (1,25, 60% TIN) yediphozi yezinyanga ezingama-10.000 . Kusuka ku- € 90 nangokukhokhelwa njalo ezinsukwini ezingama-XNUMX. Ukunikezwa komuntu ngamunye.