Akekho othanda ukuvela ohlwini lwabantu abangakhokhi, ikakhulukazi uma begcine belapho ngesizathu esingabazekayo njengokungakhokhelwa kwezikweletu ezithile ezingafanele noma, okungenani, izikweletu ezingafanelekile zomakhalekhukhwini. Yebo, sikhuluma ngakho Izikhungo Zezikweletu, lolo hlu olumnyama abantu abaningi abaye bagcina kulo. Ngenhlanhla, zikhona izindlela phuma ku-ASNEF mahhala futhi aqede lesi simo esingesihle.
Kulabo abangazi namanje, i-ASNEF isifinyezo se- Inhlangano Kazwelonke Yezikhungo Zezikweletu Zezimali. Isihloko esithize salokho okwenziwayo siyinto nje elula ifayili labakhokha iphutha.
Inhloso yaleli fayela ukunikeza labo abalithintayo a ukuhlolwa kwe-solvency yomuntu noma inkampani. Isibonelo esijwayelekile kakhulu yilapho uya ebhange uyocela imali ebolekiwe: ngaphambi kokuyinikeza, izothintana namafayela amakhulu abantu abangayikhokhi, i-ASNEF phakathi kwabo. Njengoba kunengqondo, ukubonakala kuzo kuyinto ezodlala ngokumelene nanoma ubani ocela ikhredithi. Uma sivela kulolu hlu, kungenxa yokuthi kukhona ukungabaza okunengqondo mayelana ne-solvency yethu, okusenza singanconywa emehlweni omboleki.
Ngeshwa, ezikhathini zamuva nje kube lula kakhulu ukuphela kulolu hlu. Eqinisweni, lapho abantu abaningi abanomlando wesikweletu oncomekayo abafakwe ku-ASNEF ngemuva kwengxabano nenkampani yesevisi yocingo: izindleko ezihlukumezayo, amaqhinga ezincwadini ezinhle zezinkontileka, njll. Kodwa ngeshwa, lokhu akuvimbeli imininingwane engabonakali ekhonjiswa ukuthi kunesikweletu esenziwe isivumelwano futhi esingakaneliseki.
I-Ver también: Izindlela ezi-6 ezinhle kakhulu zeFintonic zezimali zomuntu siqu
Futhi nakuba ezimweni eziningi kunjalo amanani angenangqondo, umphumela uyafana: ukubhekwa njengomuntu oyimbuka, okhokha kabi noma ongenamali. Akulungile, kodwa kusemthethweni.
Kufanele kuqashelwe ukuthi kunezinkampani eziningi ezingafuna inkokhelo kithi futhi, uma lokhu kunganeliseki, ziphakamise ukuthi sibe yingxenye yohlu. Akuzona izinkampani zocingo kuphela, kodwa nezinkampani zesevisi, izinkampani zomshuwalense kanye, ngokusobala, izinhlangano zezezimali. Yebo, ukwenza kanjalo kufanele bahambisane izimfuneko ezithile:
- Isikweletu kumele sibe yiqiniso futhi sibonakale.
- Kufanele ngabe sekudlule isikhathi esincane sokwenza inkokhelo.
- Isaziso sesikweletu kumele ngabe sithunyelwe kumkweleti.
- Ngemva kwesaziso, isicelo senkokhelo kufanele ngabe senziwe ngaphandle kokuthola noma iyiphi impendulo.
Ngazi kanjani uma ngisohlwini lwe-ASNEF?
Ungaphuma kanjani ku-ASNEF mahhala ngokushesha
Lona umbuzo obaluleke kakhulu kunalokho okubonakala. Ngenxa yezizathu esizishilo ngaphambili, kunabasebenzisi abaningi bezinsizakalo zocingo nokunye okunjalo okufakwe ohlwini oluqalekisiwe ngaphandle kokwazi.
Njengoba uMthetho usesandleni, noma yimuphi umuntu oba yingxenye yohlu lwe-ASNEF kufanele aziswe zingakapheli izinsuku ezingamashumi amathathu ngemva kokubhaliswa. Iqiniso lokwazisa umuntu othintekayo linesimo esithile esabisayo: inhloso ukunikeza ithuba lokugcina lokukhokhela isikweletu ezinsukwini ezingamashumi amathathu futhi lisulwe efayeleni. Kungenjalo, izomenyezelwa njengewubugebengu iminyaka eyisithupha ezayo.
Abantu abaningi abazi ukuthi ifakiwe efayelini kuze kube ngolunye usuku baya esikhungweni sezikweletu ukuze bayocubungula noma yiluphi uhlobo lwesicelo, kusukela ekhadini kuya emalini ebolekiwe. Yilapho-ke bathola isimanga esingemnandi. Futhi bahlangabezana nenkinga engalindelekile.
Ukuqeda noma yikuphi ukungabaza, indlela eshesha kakhulu ukuxhumana I-Equifax (inkampani enesibopho sokuphatha isizindalwazi se-ASNEF). Ulwazi lungacelwa ngezindlela ezimbili:
- Nge-imeyili: sac@equifax.es
- Ngeposi elivamile: Apartado de Correos 10.546, 28080 Madrid.
Phuma ku-ASNEF mahhala (futhi ngokushesha)
Uma, ngemva kokuhlola okufanelekile, sithola ukuthi sisohlwini lwabahluleki, umbuzo ophakama ngokushesha yilo: Ungaphuma kanjani kulolu bishi?
Impendulo esobala kakhulu: ukukhokha. Izikhathi eziningi inani liyinani elincane kangangokuthi alifaneleki ukubhekana nemiphumela yokuvela kufayela le-ASNEF. Kodwa iningi "labangalungile" licabanga ukuthi ukufakwa kwabo kulolu hlu akulungile (futhi izikhathi eziningi kunjalo) futhi bayenqaba ngokuphelele ukunikeza ingalo yabo ukuthi isonteke. Umbuzo wezimiso.
Kuhle ukuhlola ukuthi zonke izidingo ezishiwo esigabeni esandulele mayelana nesikweletu esidingekayo kithi ziyahlangatshezwa yini. Uma kungenjalo, ungafaka isicelo sokungavumelani. Okokugcina, kukhona futhi kungenzeka, okukhulunywe ngenhla, of weqiwe umnqamulajuqu weminyaka eyisithupha futhi uthole umlando wakho ohlanzekile.
Kodwa njengoba esikufunayo kulokhu okuthunyelwe isixazululo samahhala nesisheshayo, into etuseka kakhulu ukuphendukela ezinkampanini ezikhethekile. Bazosinika isixazululo esisifunayo. Lezi zihamba phambili:
I-Salirdeasnef.net
Ungaphuma kanjani ku-ASNEF mahhala ngokushesha
Igama lale webhusayithi licacile kakhulu. Esikunikeza kona Phuma e-Asnef Ithuba lokususa idatha kumafayela okweleta njenge-ASNEF namanye. Inethimba labaphathi abanolwazi abahlaziya udaba ngalunye ngabodwa futhi babhale umbiko abazophatha ngawo ukukhansela. Ekukhangiseni kwabo bazishaya isifuba ngokuba nempumelelo engu-75% emizamweni yabo ngaphandle kokuya enkantolo. Akukubi neze.
Esinye isici esihle kakhulu ukuthi abaphathi banezindleko ezimisiwe ze-€39,99. Kufanelekile ukuzama.
Enlace: salirdeasnef.net
Okusemthethweni
Ungaphuma kanjani ku-ASNEF mahhala ngokushesha
Okusemthethweni enye i-consultancy egxile ekuphatheni ngamafayela angakhokhelwa. Bahlukaniswa ngesivinini sabo nokusebenza kahle ekuxazululeni izinkinga ezifana namaphutha okufakwa noma ukwebiwa kobunikazi, phakathi kokunye. Banikeza abasebenzisi babo usizo lomphathi womuntu siqu.
Izindleko zezinsizakalo zabo ziyahlukahluka kuye ngokuthi icala kanye nezinqubo ezidingekayo zokulixazulula. Intengo eyisisekelo kunoma yikuphi i-€35.
Isixhumanisi: Okusemthethweni