Iphupho elibi labantu abaningi ukubona ukuthi bafakiwe ifayili labahluleka ukwenza i-ASNEF. Njengoba sazi, lokhu kuyinhlangano yezikhungo zezezimali nezezezikweletu, lapho izinkampani zingathola khona imininingwane ukuze zinqume ukuthi ngabe umuntu uyilungelo lezimali noma cha.
Ngeshwa kulula kakhulu ukuba kufakwe kuleli fayelanoma, ngoba ngokuvamile konke okudingekayo ukubuyisa ibhange, ucingo noma irisidi yesevisi, ukuze kubonakale sengathi kunephutha kufayela.
Vele, lapho umuntu efakiwe kufayela le- uhlu lwabantu oluzenzakalelayo, Lesi simo siba yinkinga enkulu kakhulu ngokungakwazi ukuthola imali mboleko noma size sifune ukubhaliswa kunoma iyiphi inkampani yocingo, igesi, ugesi, njll.
Mhlawumbe isici esidabukisa kakhulu kulesi simo ukuthi imininingwane yomuntu siqu neyezezimali yabantu abafakiwe ku- Ifayela le-ASNEF elenza iphutha, zingahlala zitholakala kuze kube yiminyaka eyi-6.
Kuyishwa futhi ukuthi imvamisa, kunabantu abafakwa ngokungafanele kuleli fayela ngenxa yamaphutha noma isikweletu esingekho ngempela, noma ngenxa yenkinga ehlobene nokwebiwa kwemininingwane.
Ungaxhumana kanjani Nezikhungo Zezikweletu?
Njengoba kukhonjisiwe ngenhla, kulula ukuvela kufayela le- Amarekhodi e-ASNEF okwephula umthetho, ngakho-ke njengamanje kunesibalo esikhulu sabantu abakulesi simo futhi abavinjelwe ukufaka izicelo zemalimboleko nokuxazulula izidingo zabo.
Lapho umuntu ebhalisiwe kulokhu ifayili labakhokha iphutha, okwamanje ufaka isicelo semalimboleko noma semali ebanjiswayo, bamane bayakuphika.
Kukhulunywe ngaye ekuqaleni ukuthi ngisho nokungahambisani okuthile nomthethosivivinywa wefoni noma ukukhokhwa kwezinsizakalo eziyisisekelo kungaba yimbangela enkulu yokuthi inkampani ifake imininingwane yalowo muntu Ifayela le-ASNEF elenza iphutha noma kuye kunoma yimaphi amafayela angaphezu kuka-156 abahluleka ukwenza umsebenzi akhona njengamanje eSpain.
Akunandaba noma ngabe yi- isizathu esilungile noma esingenabulungisa, okuyiqiniso kuphela ukuthi kubantu lesi simo siyingozi ngokweqiniso ngokungakwazi ukuthola imali noma ukuthola ikhadi lesikweletu.
Isizathu salokhu silula, womabili amabhange namabhange wokonga imvamisa abanikezi imalimboleko noma izinsizakalo ezithile kumakhasimende avela ezinhlwini zabakweletayo.
Lokho wukuthi, zonke lezi zinhlangano zezezimali nezikweletu zivame ukubonisana nazo ifayili labahluleka ukwenza i-ASNEF Ukuze uqinisekise ukufaneleka kwesikweletu sokukhokha komuntu ocela imali mboleko. Ngamanye amagama, amabhange, amabhange okonga nezinye izikhungo zezikweletu nezezezimali zingamalungu e-ASNEF.
Ukuze umuntu afakwe kufayela labakweleta i-ASNEF, noma yiziphi izimo ezilandelayo kufanele zenzeke:
- Ukuthi kukhona isikweletu esiqinisekisiwe, esidlule ngenxa futhi esiphoqelelayo, esingakhokhiwe
- Ukuthi lowo muntu kudingeke ukuthi akhokhe isikweletu ngezikhathi ezehlukene kungaphumeleli
- Ukuthi abukho ubufakazi obubhalwe phansi obuphikisana nakho konke okuvezwe phambilini
para shiya i-ASNEF Kuyadingeka ukucela kusoseshini, ukwesulwa kwesikweletu ngomphathi. Kuleli qophelo kubalulekile ukuthi sisho ukuthi umuntu uzodingeka imibhalo efakazela ukuthi isikweletu asikho, ngaphezu kwalokho kumele futhi aveze ikhophi yomazisi wakhe.
Injabulo isicelo sizokwaziswa i-ASNEF, inhlangano okufanele iphendule kungakapheli izinsuku ezingekho ngaphezulu kwezingu-10 mayelana nokususwa kwemininingwane yabantu efakwe kufayela.
Uma kungenjalo cha uhlobo lokuxhumana olwenziwe yi-ASNEF noma impendulo yakho ayigculisi, khona-ke umuntu othintekile kufanele aye ku-AEPD bese enza isimangalo sokuthi ngendlela efanayo kuzoba inqubo ephethwe ulwazi - kuzwelonke.
Inkinga enkulu ngamarekhodi wabakhokhayo ukuthi kubantu abavela kubo, akunakwenzeka ukufinyelela imali yanoma yiluphi uhlobo.
Ngakho-ke ukubaluleka wonke umuntu okwaziyo ukuthi ifayili le-ASNEF lisebenza kanjani futhi-ke ayini amalungelo abantu abavela efayilini lama-defaulters.
Lapho umuntu efisa finyelela noma thintana nefayela le-ASNE defaulterF noma noma yiliphi ifayela elihlambalazayo eSpain ngenhloso yokwazi ukuthi libhalisiwe noma cha, noma uma ufuna ukukhansela noma ukuqeda ukubhaliswa okukhokhelwayo noma okungalungile, kubalulekile ukuthi ukhethe uma umbuzo oshiwo uhambelana nomuntu wemvelo, ukuthi kungukuthi, umuntu, noma umuntu osemthethweni, okusho ukuthi, inkampani.
Lokhu kuya ngokuthi ifomu elikhonjisiwe liyakhonjiswa kuwe.
Yini okufanele uyenze uma kusolwa ukuthi ifakiwe kwi-Financial Credit Institutions?
Uma umuntu esola ukuthi bangafakwa kufayela le- Ifayela le-ASNEF elenza iphutha, Unelungelo lokufinyelela kufayela lale nhlangano ukubheka ukuthi ikhona yini inkampani efake idatha yakho kufayela.
Uma kwenzeka uhlola ukuthi amadayisi akho empeleni ibhaliswe kufayela lokukhipha iphutha, kufanele uqale inqubo yokukhansela idatha yakho efayeleni.
Isicelo sokukhansela Imininingwane yefayela ayinazindleko futhi ingenziwa ngqo kusuka kuwebhusayithi esemthethweni ye-Financial Credit Institutions. Kubalulekile, kepha, ukuthi inketho efanele ikhethwe ngoba okwamanje idatha yabantu kanye nezinkampani ingakhanselwa.
Isicelo sokufinyelela idatha yakho kufayela le-ASNEF sikuvumela ukuthi wazi:
- Ubani noma iyiphi inkampani ekusayinile, okungukuthi, ngubani ongeze idatha yakho kufayela elihlambalazayo.
- Inani eliphelele elifunwayo lesikweletu
- Usuku okwabhaliswa ngalo kufayela elihlubukayo
- Ngubani othintane nedatha yakho yomuntu siqu
- Imininingwane ehlobene mayelana nesiphutha, kanye nezikweletu zabo
Ngokufanayo, kungenzeka ukuthi ucele ukwesulwa kwedatha efayeleni labakweletayo i-ASNEF uma kwenzeka:
- Isikweletu sesikhokhiwe, kepha imininingwane yomuntu isatholakala kufayela
- Lapho ifakiwe kufayela iminyaka eyi-6 noma ngaphezulu
- Lapho umuntu ovela kufayela engakaze aziswe ngencwadi ngokufakwa kwakhe kulo.
- Lapho inani lesikweletu lingesilo langempela noma limane lingavumelani
- Lapho isikweletu singahambelani nomuntu ofakwe kufayela noma kufakazelwa ukuthi ube yisisulu sokwebiwa kwemininingwane.
Imiphumela yokuba kufayela labakweletwayo i-ASNEF
Ngezikhathi zenhlekelele, lapho i- umuntu uvela efayeleni labakweletayo i-ASNEF akumangazi ngempela kunoma ubani. Kulinganiselwa ukuthi njengamanje kunezinga lobugebengu elicishe libe ngu-5%, okusho ukuthi umbolekisi oyedwa kwabangu-1 uyisigebengu, okuyinto nje ekhathazayo.
Sivele sasho ngaphambi kokuvela ku- uhlu lwabazephutha njenge-ASNEFKusho ukuthi lapho ufaka isicelo sesikweletu noma sohlobo oluthile lwemalimboleko yempahla ebanjiswayo, bamane bangasiniki yona futhi isizathu salokhu ukuthi izikhungo zezezimali zivame ukubheka lolu hlu lwabakhokhelayo ukuthola ukuthi iklayenti labo elingahle livele kubo noma cha.
Uma njengamanje ubhekene ne- ukuwa komnotho futhi udinga isikweletu noma imalimboleko ethile ukukhokhela izindleko zakho, kungcono ukuhambisana nokukhokhwa kwezikweletu zakho. Uma wephuzile noma umane uyeka ukukhokha, akunakugwenywa ukuthi uzofakwa ohlwini lwabakhokhela izikweletu ze-Financial Credit Institutions
Uma lokhu kwenzeka, maningi amathuba okuthi izikhungo zezezimali nezezezikweletu zingakunikezi:
- Isikweletu noma imalimboleko, noma ngabe kuyimali encane
- Futhi ngeke bakuvumele ukuthi uhlanganise ukubolekwa kwemali
- Ukusayina ukuhlehliswa noma ukungabikhona kwemali mboleko nganoma yiliphi ibhange
- Faka isicelo semalimboleko yokuthenga ikhaya
- Faka isicelo semalimboleko yokuthenga imoto entsha
- Faka isicelo sokunwetshwa kwemali mboleko yempahla ebanjiswayo
- Faka isicelo semalimboleko ukuze uqale ibhizinisi lakho
Ukungakhokhelwa kwesikweletu Kuphinde kudale eminye imiphumela emibi kokweletayo, kuqala ngeqiniso lokuthi uzofakwa ohlwini lwabakweletayo futhi ngenxa yalokho, kuthathwa ikhaya lakhe noma izimpahla anazo ukubhekana nesikweletu. Lokhu kunjalo, inqobo nje uma icala liphumelela, obekufanele ukuthi phambilini kwethulwe ngokusemthethweni phambi kwenkantolo.
Kusukela kulo mzuzu, umuntu ofakwe ohlwini lwabakhokhile unethuba lokwethula isivumelwano sokukhokha, lapho kuzofakwa khona zonke izindleko zomthetho, ngaleyo ndlela kugwenywe ukuthengiswa komphakathi kwazo zonke izimpahla zawo.
Ngaphandle kwalokho, bazofakwa endalini futhi ibhange lizothola yonke imali kuze kufike lapho isikweletu sesikhokhelwe ngokuphelele, kufaka phakathi inzalo yokukhokha sekwedlule isikhathi, amakhomishini, kanye nezindleko zomthetho, njll.