Ngokwedatha yamva nje evela kwiBhanki yaseSpain, ngokwahluka kwe-7,38% kwisemester yesibini xa kuthelekiswa nexesha elifanayo le-2019, amakhadi etyala abonisa olona nyuso lubonakalayo, xa kuthelekiswa namakhadi etyala, inyuke nge-5,35%. Umkhwa oza kuqhubeka kulo nyaka ukhoyo, ubambene nezorhwebo lwe-elektroniki, imithombo yeendaba eyahlukeneyo enekhadi njengesiseko, ukhuseleko kunye nokhuphiswano olwandayo, zitsho iingcali.
Akukho mntu uthandabuzayo ukuba esi sixhobo sokuhlawula siye saba sisixhobo esinamandla apho abantu banokwenza ukuthenga kwabo evenkileni okanye kurhwebo lwe-Intanethi. Ukusuka kolu luvo, kuyathakazelisa ukwazi ukuba ezi plastiki ziyacetyiswa kakhulu ukuba kufuneka zenze intlawulo kwintengiso kwiivenkile okanye kurhwebo lwe-Intanethi. Ukuze abathengi bakwazi ukukhetha olu khetho.
Kukho amakhadi amaninzi anokuthi anikwe amandla kolu hlobo lomsebenzi, ukusuka kwezinye izinto ezinokuyilwa ezintsha ukuya kwezinye ziqheleke okanye zemveli. Apho nayiphi na iplastiki inokusebenza kuyo ukuhlangabezana nale mfuno iyimfuneko kwimidiya yedijithali ngoku. Ngaphantsi kwale ndlela siza kunikezela ngekhadi okanye ngetyala elinokusetyenziswa kakhulu, okanye ubuncinci luncedo, kwicandelo lezorhwebo elektroniki.
Iimpawu zale plastiki
Igalelo eliphambili lale nkqubo kukuba ivumela abanini bayo ukuba bayirhoxise intlawulo yabo ukuthengwa kwiinyanga ezi-6 okanye ezili-12, uninzi lwamaxesha ngaphandle kwentlawulo yenzala, nangona kwiinyanga ezidlulileyo amakhadi anoburharha ngakumbi avele ngokwezibonelelo zawo ezikuvumela ukuba ube neekhredithi zeveki okanye zenyanga ukujongana neenkcitho ongazilindelanga. Nangona bekhululekile kunyaka wokuqala, kufuneka kukhunjulwe ukuba okukhona inkcitho iphakama, kokukhona imirhumo ekuya kufuneka ikhutshwe ngalo lonke ixesha elichazwe kwisivumelwano sabo, elinokunyusa izinga lamatyala abanini babo .
Ngelixa kwelinye icala, ifomula entsha enokusetyenziswa ngala makhadi kukusebenzisa iifomathi “zexabiso eliphantsi”, apho imali yenyanga eza kuhlawulwa inokumiselwa ngaphandle kokuthengwa okwenziweyo, okuhlala kulungisiwe ukusuka kwi-euro ezingama-30, Umsebenzisi uyazi ngalo lonke ixesha isixa ekufuneka sihlawulwe rhoqo ngenyanga.
Kwifomathi yereyithi ethe tyaba
Ukwahluka ngokwenyuka kwesithembiso sokuba iibhanki kunye neebhanki zokonga bezithengisa kule minyaka idlulileyo ngamakhadi "anereyithi ethe tyaba" efakiweyo ukuhlangabezana neendleko zenyanga zabaninizo. Le modali yeqela lamakhadi abizwa ngokuba "ejikelezayo”Kwaye, ezibonakaliswa yindlela yabo yokuhlawula emiselweyo. Ngabo unako setha inani lenyanga Ukuhlawulwa ngaphandle kokuthenga okwenziweyo. Eli khadi lahlukile kumakhadi etyala akudala ngendlela yokuhlawula kuba ihlawulwa ngomrhumo omiselweyo, isixa semali esisethwe ukusuka kwi-30 euro ngenyanga ngokuxhomekeke kwikhredithi enikiweyo.
Ukongeza, kwezinye zazo unokufumana ikhredithi esisigxina kunye nangoko. Oku kuvelisa ukuba abaphathi babo banolawulo olungcono kwinkcitho iyonke, kwaye njengoko bekhupha ikhredithi, banakho ukuqhubeka nokuthenga. Ngokuchasene noko, ithatha njengengxaki enkulu yenkuthazo kwinkcitho kwaye, ngenxa yoko, amathuba amakhulu okungena ematyaleni kuba umsebenzisi unyanzelekile ukuba ayisebenzise inyanga nenyanga, nokuba abayifuni le nkonzo yezemali.
Amakhadi ahlawulwe kwangaphambili
La makhadi aneempawu zawo ezizahlula kwabanye, zombini ngenxa yeempawu zabo kunye nezibonelelo zabo kubanini babo kwaye ezishwankathelwe kwezi zinto zilandelayo ezibonisa ukuba le ndlela yentlawulo:
- Isebenza ngohlobo lokonyusa umvuzo wakho, ukuze xa imali isetyenzisiwe yaphela, kufuneka kwenziwe imirhumo emitsha ekhadini ukuze ikwazi ukubakho imali kwakhona.
- Ukugcwaliswa ngokutsha ngakunye kunokuthwala iindleko eziphakathi kwe-0,50% kunye ne-1,00% kwimali ebekiweyo, nangona ezinye iimodeli zikhululekile kule ntlawulo.
- Zisetyenziselwa ukujongana nokuthengwa kwiivenkile okanye kwi-Intanethi, kunye nokukhupha imali kwii-ATM, ukuya kuthi ga kumda obonelelwe likhadi ngalinye (phakathi kwe-500 kunye ne-1.500 euro ngosuku).
- Banika abanini babo iinshurensi ngaphandle kwentlawulo, ngaphandle kwendleko ezongeziweyo: iingozi, uncedo lokuhamba, kunye nokuzikhusela ekusebenziseni ubuqhetseba ...
- Bahlala bekhululekile kunyaka wokuqala nasekuvuseleleni, nangona ezinye izindululo zinokuhlawulisa phakathi kwe-3 ukuya kwi-20 ye-euro yezi ngcamango.
- Kudla ngokufuneka ukuba unxibelelanise ikhadi kunye neakhawunti yequmrhu ukuze ukonwabele izibonelelo zalo kwaye uqalise ukulisebenzisa.
- Zingasetyenziswa njengesipho kwiqabane lakho okanye kubantwana abancinci, okanye njengesipho somtshato okanye ukuvuyisana nomntu omthandayo ngomhla wokuzalwa.
Ngeemodeli ezongezelelweyo
Ezi zibonelelo zikwimo yezaphulelo ekuthengweni kweemveliso kunye neenkonzo zinokuthathwa zizihlobo zomnini wala makhadi ngamakhadi ongezelelweyo. Ngawaphi la makhadi onokuthi ucele abo bantu ufuna ukuba babe ngabo abanini bamakhadi. La makhadi ongezelelweyo aya kwabelana ngomda wakho wenyanga wekhredithi kwaye izinto abazithengayo ziya kubonakala kunye nezakho kwingxelo yakho yenyanga.
Kodwa kuyakufuneka kuthathelwe ingqalelo ukuba iya kuthatha intlawulo eyongezelelweyo yokufunyanwa kwayo kunye nolondolozo, ehlaziya phakathi kwama-15 nama-40 euros malunga nonyaka, nangona kwezinye izibonelelo ezithile ezi ndleko zixolelwe kwintlawulo kwaye ziya kumela isibonelelo esincinci kubaxhamli babo. Eli nyathelo lijolise ekubeni amaqabane, abantwana okanye abazali nabo baxhamle kwezi zaphulelo kwizinto abazithengileyo kwaye amanye amaziko emali asebenza kwiimodeli zamakhadi etyala abo. Inokuba yenye imodeli enomdla yokugcina imali phakathi kosapho ngokusebenzisa ikhadi elinye.
Uninzi lwezibonelelo zokuhlawula zivela kwicandelo lezokhenketho (uhambo, iihotele, ezothutho, iivenkile zokutyela, njl. Njl. iivenkile, ngaphandle kokungabikho kokufumana forfaits isaphulelo ngexesha lekhephu okanye ukuya kwimidyarho ephambili yeFormula 1 ngexabiso elingcono, nokufumana iipakethe zomthetho zasimahla kubanini bazo njengesindululo sokwamkela iimodeli zamakhadi abo.
Izinketho ezixhaswe ngemali
Amanye amaziko ezezimali, kwelinye icala, akhetha ukunika abathengi bawo iklasi yamakhadi ebonelela ngenkxaso mali ebanzi ngakumbi esekwe ekunyuseni isixa esincinci njengoko imigaqo iya isiba nde. Olona luncedo lwayo kukuba ubude bexesha lide, ukusuka kwiintsuku ezingama-90 ukuya kwezingama-800, kodwa endaweni yokuzibophelela kumthengi ukuba abe neendleko ezizinzileyo ngexesha lokuhlala kwemali.
Ngale ndlela, ngokweentsuku ezingama-30, 60 okanye ezingama-90, elona xabiso liphantsi kufuneka libe ngama-euro angama-90, ukunyuka ngokuqhubekekayo kude kube kufikelela kumanqanaba aphezulu ebango, anokuthi ngonyaka abe ngamanani angaphezulu kwama-350 eeuros kwaye ubuninzi beentsuku ezingama-730 ukunyuka phantse kuma-euro angama-800. Kuwo onke amatyala akhankanyiweyo koku kumiswa kwetyala, ababhalisi abayi kuhlawula inzala, ngokuchanekileyo njengakwezinye iintlobo zamakhadi aneempawu ezifanayo kunye nezibonelelo.
Amakhadi okunyaniseka
Ngazo unokufumana ukuthenga kwakho ngokunciphisa amaxabiso aphakathi kwe-3% kunye ne-5%, nakwezinye iimodeli zamakhadi nangaphandle kwazo, nangona iibhonasi ezithambileyo, hayi ngaphezulu kwe-1%, ngaphakathi kwesicwangciso-qhinga sorhwebo apho oku kulondolozwa kunikwa ipremiyamu ukuze umthengi abe nokunxulumana ngokusondeleyo kwishishini lakho okanye kumiselo.
Banikezela ngenkxaso-mali yokuthenga, nangona inomdla omkhulu kakhulu, esekwe phakathi kwe-18% kunye ne-25% kwaye, ngelixesha elifutshane lokuhlawula amatyala, phakathi kweenyanga ezi-6 kunye neminyaka emi-3 ubuninzi kwaye, kwintoni enokongeza inzala yokuhlawula kade enokuthi ukufikelela kwi-2% okanye kwi-5%. Kwelinye icala, zibonakaliswe ngaphezulu kwako konke ngenxa yokuba zingenakho ukufana ngokwenani lazo kunyaka wokuqala kunye nohlaziyo lwayo olulandelayo, kuba kwezinye iimeko zikhululekile ngokupheleleyo ngelixa kwezinye iimeko isabelo esahluka ukusuka kwi-10 kuye kwi-40. iiyure ezingama-XNUMX.
Ngelixa okokugqibela, ziimodeli ezahlulwe kwezinye iifomathi kuba ukuqeshwa kwabo kusimahla kunyaka wokuqala, kwaye kwezinye izindululo kuye kwafikelela lonke ixesha labo. Kwaye babandakanye inkonzo yezaziso ngeSMS yazo zonke iintlawulo ezenziwe ngamakhadi abo izixa ezikhulu. Njengenye yeempawu zayo eziphambili. Ngabo unako setha inani lenyanga Ukuhlawulwa ngaphandle kokuthenga okwenziweyo. Eli khadi lahlukile kumakhadi etyala akudala ngendlela yokuhlawula kuba ihlawulwa ngomrhumo omiselweyo, isixa semali esisethwe ukusuka kwi-30 euro ngenyanga ngokuxhomekeke kwikhredithi enikiweyo.