Akukho mntu uthanda ukuvela kuluhlu lwabangathobeliyo, ngakumbi ukuba baye baphela apho ngesizathu esithandabuzekayo njengokungahlawulwa kwezinto ezithile ezingalunganga okanye, ubuncinci, amatyala eefowuni eziphathwayo. Ewe, sithetha ngayo I-ASNEF, olo luhlu luntsundu apho abantu abaninzi baye baphela. Ngethamsanqa, kukho iindlela zoku phuma kwi-ASNEF simahla kwaye yaphelisa le meko imbi.
Kwabo bangekayazi, i-ASNEF sisishunqulelo se Umbutho weSizwe waMaziko eMali eMboleko. Isihloko esinebhobhobhobhosi kwinto esebenzayo asiyonto ingaphezulu nje kokulula ifayile yabangasileli.
Injongo yale fayile kukubonelela abo bajongana nayo a Uvavanyo lwe-solvency yomntu okanye inkampani. Owona mzekelo uqhelekileyo kuxa usiya ebhankini ukucela imali-mboleko: ngaphambi kokuba uyinike, iya kudibana neefayile eziphambili zabatyeleli, i-ASNEF phakathi kwabo. Njengoko kusengqiqweni, ukubonakala kubo kuyinto eza kudlala nxamnye nabani na ocela ikhredithi. Ukuba sivela kolu luhlu, kungenxa yokuba kukho amathandabuzo afanelekileyo malunga ne-solvency yethu, nto leyo eyenza ukuba singanconywa emehlweni omboleki.
Ngelishwa, kumaxesha akutshanje kube lula kakhulu ukugqiba kolu luhlu. Enyanisweni, kukho abantu abaninzi abanembali yetyala elingenakuthelekiswa nanto abaye baqukwa kwi-ASNEF emva kwengxabano nenkampani yenkonzo yomnxeba: iintlawulo ezixhaphazayo, amaqhinga kwi-final print yezivumelwano, njl. Kodwa ngelishwa, oku akuthinteli ulwazi olungabonakaliyo oluboniswa ukuba kukho ityala eliye lafunyanwa kwaye alizange laneliseke.
Ver también: Ezona ndlela zintandathu zibalaseleyo kwiFintonic yezemali yakho
Kwaye nangona kwiimeko ezininzi kunjalo izixa ezihlekisayo, umphumo uyafana: ukugqalwa njengomntu oyinjubaqa, umntu ohlawula kakubi okanye otshonileyo. Akulunganga, kodwa ngokusemthethweni.
Kufuneka kuqatshelwe ukuba kukho iinkampani ezininzi ezinokufaka ibango lentlawulo kuthi kwaye, ukuba oku akunelisekanga, sicebise ukuba sibe yinxalenye yoluhlu. Akunjalo kuphela iinkampani zefowuni, kodwa kunye neenkampani zenkonzo, iinkampani ze-inshurensi kwaye, ngokucacileyo, amaqumrhu emali. Kakade ke, ukwenza oko kufuneka bathobele iimfuno ezithile:
- Ityala kufuneka libe yinyani kwaye libonakaliswe.
- Ubuncinci bexesha kufuneka lidlule ukwenza intlawulo.
- Isaziso setyala kufuneka sithunyelwe kumntu onetyala.
- Emva kwesaziso, isicelo sentlawulo kufuneka senziwe ngaphandle kokufumana nayiphi na impendulo.
Ndazi njani ukuba ndikuluhlu lwe-ASNEF?
Uphuma njani kwi-ASNEF simahla ngokukhawuleza
Lo ngumbuzo obaluleke ngakumbi kunokuba ubonakala. Ngenxa yezizathu esele sizixelele ngaphambili, baninzi abasebenzisi beenkonzo zefowuni kunye nezinto ezinjalo ezifakwe kuluhlu oluqalekisiweyo ngaphandle kokwazi.
Kunye noMthetho esandleni, nawuphi na umntu oba yinxalenye yoluhlu lwe-ASNEF kufuneka aziswe zingaphelanga iintsuku ezingamashumi amathathu emva kokuba ubhaliso lwenziwe. Inyani yokwazisa iqela elichaphazelekayo inesimo esithile esoyikisayo: injongo kukubonelela elinye ithuba lokugqibela lokuhlawula ityala phakathi kweentsuku ezingamashumi amathathu kwaye licinywe kwifayile. Kungenjalo, kuya kubhengezwa njengobugwenxa iminyaka emithandathu ezayo.
Abantu abaninzi abazi ukuba ifakiwe kwifayile kude kube ngolunye usuku baya kwiziko letyala ukuze baqhubele phambili naluphi na uhlobo lwesicelo, ukusuka kwikhadi ukuya kwimali-mboleko yemali mboleko. Kulapho bafumana isimanga esingathandekiyo. Kwaye baba nengxaki engalindelekanga.
Ukuphelisa nawaphi na amathandabuzo, eyona ndlela ikhawulezayo kukunxibelelana Equifax (inkampani enoxanduva lokulawula uvimba weenkcukacha we-ASNEF). Ulwazi lunokucelwa ngeendlela ezimbini:
- Nge-imeyile: sac@equifax.es
- Ngeposi eqhelekileyo: Apartado de Correos 10.546, 28080 Madrid.
Phuma kwi-ASNEF simahla (kwaye ngokukhawuleza)
Ukuba, emva kokutshekisha okufanelekileyo, sifumanisa ukuba sikuluhlu lwabangathobeliyo, umbuzo ovela ngokukhawuleza ngulo: Uphuma njani kobu bugxwayiba?
Eyona mpendulo icacileyo: I-pagando. Amaxesha amaninzi isixa sisixa esincinci kangangokuba akufanelanga ukujongana neziphumo zokuvela kwifayile ye-ASNEF. Kodwa uninzi lwaba "defaulters" bacinga ukuba ukufakwa kwabo kolu luhlu akulunganga (kwaye amaxesha amaninzi kunjalo) kwaye bayala ngokucacileyo ukunika ingalo yabo ukuba ijije. Umbuzo wemigaqo.
Kukulungele ukujonga ukuba ngaba zonke iimfuno ezikhankanywe kwicandelo elidlulileyo malunga netyala elifunekayo kuthi ziyafezekiswa. Ukuba akunjalo, ungabanga ukungavumelani. Okokugqibela, kukho kwakhona ithuba, elikhankanywe ngasentla, le uphose umhla obekiweyo weminyaka emithandathu kwaye ubuyisele imbali yakho ecocekileyo.
Kodwa kuba into esiyifunayo kule post isisombululo sasimahla kunye nesikhawulezayo, eyona nto icetyiswayo kukubhenela kwiinkampani ezikhethekileyo. Baza kusinika isisombululo esisikhangelayo. Ezi zezona zingcono:
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Uphuma njani kwi-ASNEF simahla ngokukhawuleza
Igama lale webhusayithi licace kakhulu. Yintoni esinika yona Phuma eAsnef Yinto enokwenzeka yokuphelisa idatha kwiifayile zamatyala ezifana ne-ASNEF kunye nabanye. Ineqela labaphathi abanamava abahlalutya imeko nganye ngabanye baze babhale ingxelo yokulawula ukucinywa. Kwizibhengezo zabo baqhayisa ngokuba ne-75% yempumelelo kwimigudu yabo ngaphandle kokuya enkundleni. Akukho kubi kwaphela.
Enye into entle kakhulu kukuba abaphathi banexabiso elimiselweyo le-39,99 €. Kufanelekile ukuzama.
Ikhonkco: saldeasnef.net
Ezomthetho
Uphuma njani kwi-ASNEF simahla ngokukhawuleza
Ezomthetho yenye ingcebiso ejongene nolawulo ngeefayile ezingahlawulwanga. Ziyahlukaniswa ngesantya kunye nokusebenza kakuhle ekusombululeni iingxaki ezinje ngeempazamo zokubandakanywa okanye ubusela besazisi, phakathi kwabanye. Banikezela abasebenzisi babo ngoncedo lomphathi wobuqu.
Iindleko zeenkonzo zabo ziyahluka ngokuxhomekeka kwimeko kunye neenkqubo eziyimfuneko zokuyicombulula. Ixabiso elisisiseko kuyo nayiphi na imeko €35.
Isixhumanisi: Ezomthetho