Iikhredithi ezikhawulezayo zokuphuhlisa urhwebo lwakho lwe-e

Le nto ibizwa ngokuba yimali mboleko ekhawulezileyo ikhethe ukubonelela ngeendlela zokuxhasa ngemali kwiimfuno zabarhwebi kwicandelo ledijithali. Ukuhlangabezana neendleko zakho eziphambili: iikhompyuter, izixhobo zekhompyuter, izisombululo zetekhnoloji, njl. Kuyayithanda ke into yokuba lo mthombo ubaluleke kakhulu wezemali uvumela ukuthengiswa kwemali kufumaneke phantse kwangoko kwaye ngokubanzi ngaphandle kwesidingo sokunika inkcazo okanye ukutshintsha iibhanki. Nangona ngokuchaseneyo, uthotho lwamaxwebhu kufuneka luqinisekiswe ukufikelela kuwo, ngamanye amaxesha olugqitha lawo amajelo emveli.

Ngale ndlela, kufanele ukuba kuqatshelwe ukuba amaziko anika olu hlobo lwekhredithi koosomashishini abancinci nabaphakathi kweli candelo ayisiyonyuso inkulu kakhulu, enokufikelela kwelona liphezulu 10.000 euro, kunye nemigqaliselo yokuhlawula efikelela phakathi kweminyaka emi-3 ukuya kwe-8, nangona inaniselwano lokuhlawula inzala ephezulu ngokugqithileyo, kuluhlu oluphakathi kwe-15% nama-25%, nokuqwalaselwa kokuyifumana ngokukhawuleza kwaye ngaphandle kokutshintsha iibhanki okanye abaphathi bemali.

Kukhetho lokuba zeziphi iimali mboleko zebhanki eziqhelekileyo ezibonelela ngenzala efikelelekayo ngakumbi. Kumanqanaba aphakathi kwe-7% kunye ne-10% nalapho kongezwa kwezinye iimeko iikhomishini ezithile kunye nezinye iindleko kulawulo lwazo okanye kulondolozo. Ngokwazi ukubanakho ukurhoxisa kwangaphambili, nangona kule meko isohlwayo esinokufikelela kwi-3% kwimali efunekayo.

Urhwebo nge-elektroniki: uza kuxhasa ntoni ngemali?

Imali mboleko yezixhobo zekhompyuter ikunceda ekuxhaseni nasiphi na isixhobo sobuchwepheshe; ilaptop, ikhompyuter ye-desktop, i-smartphone, iprinta, njl. Ezo zixhobo zigcina kuzo iivenkile zombane okanye amashishini asebenza kuwo kwaye umgca wawo weshishini uxhomekeke kuwo ukusuka kuloo mzuzu ukuya phambili. Le yimithombo yezemali exhaphake kakhulu efuna ezinye iintlobo zezisombululo ukwanelisa le mfuno ixhaphakileyo kwicandelo.

Ngelixa kwelinye icala, kuyimfuneko ukugxininisa ukuba ezi iikhredithi zobuqu ziphuhliswa zineempawu ezichazwe kakuhle. Phi yonke imirhumo ilungisiwe kwaye elinganayo nyanga zonke, ngaphandle kwezimanga. Ngokumalunga nekota, uneminyaka engama-6 okanye ukuhlawula izixhobo zekhompyuter okanye ukufakelwa kwetekhnoloji oyifunayo kwinqanaba elithile ebomini bakho.

Ngokubanzi, ezi mveliso zezezimali ziphuhliswa ngamaqonga akwi-Intanethi ahlala enika uluhlu olubanzi lokunikezelwa kunye nokunyuselwa. Banesivumelwano kwi-Intanethi kwaye ke kulula ukuba babhalise kuba inkqubo inokwenziwa ngokusesikweni ekhaya okanye nakweyiphi na indawo okhoyo ngelo xesha. Ngempendulo ekhawulezileyo kwisicelo okanye hayi kwesi sidingo abanini bevenkile yedijithali abanayo.

Ngelixa kwelinye icala, ikwafanele ukuba ixabiswe ukuba imvume yayo ikuvumela ukuba ube nezinye iindlela ezininzi onokukhetha kuzo wandise umgca wakho weshishini ukususela ngoku ukuya phambili. Ngomnyinyiva onokuthi ukhawuleze kakhulu ngenxa yeempawu ezizodwa zale nkonzo yezemali. Njengokunyuka kwamaqonga anoluhlu lwezenzo kwaye unabantu abafana nawe njengabamkeli babo abaphambili.

Ubonelela ngantoni lo mgca wekhredithi?

Ezinye iindlela zokufikelela kumgca wokuxhasa ngemali kwifomathi ekhawulezileyo yokuthengwa kwezixhobo zekhompyuter kunye nezinto ezibonakalayo zenziwe kukunikezelwa kweqonga eliphambili ledyala ledijithali. Unako kwakhona ukuya kumrhumo wokubhalisela enye yeemali-mboleko ezikhawulezayo ezinikezelwa ngamashishini ezemali okwangoku kumgca kwaye iqhubela phambili ukuya kwi-6.000 euro, kwi-avareji. Banelungelo lokuba ifunyenwe ngexesha elifutshane kakhulu, elingagqithanga kwiintsuku ezimbini, kwaye neemfuno ezimbalwa kunezo zicelwe ziibhanki kunye neebhanki zokonga.

Kodwa ngokuchaseneyo, ekuhambeni kwexesha zibiza kakhulu ngenxa yenqanaba eliphezulu lenzala elisetyenziswe zizinto ezithengisa ezi mveliso, eziguquguqukayo phakathi kwe-15% kunye ne-25%, kwaye ngenxa yoku inyusa indleko iyonke yezixhobo zekhompyuter, kuboniswa kuphela kwabo bantu ababekelwe bucala ngamanye amajelo enkxaso mali akhoyo ngoku kwimarike, nokuba kungenxa yokuba isicelo semali mboleko saliwe, okanye kulungile kuba ayihlangabezani neemfuno zokufikelela kwisiCwangciso seAvanza.

Inkxaso mali ye-ICO

Kwelinye icala, i-ICO ibonisa umgca wekhredithi ye-ICO koosomashishini kunye noosomashishini kwicandelo ledijithali. Ngaphantsi kwesixa esikhulu somthengi ngamnye: ukuya kuthi ga kwi-12,5 yezigidi ze-euro, kwinto enye okanye nangaphezulu. Imiselwe uku imisebenzi yeshishini kunye / okanye utyalo-mali kunye neemfuno zokuhlawula amatyala ngaphakathi kommandla wesizwe. Ezi ndlela zilandelayo: imali mboleko, ukuqeshisa, ukuqesha okanye umgca wekhredithi. Ngezinga lenzala: elungisiweyo okanye eliguqukayo, kunye nomda osekwe liziko letyala ngokwexesha lokuhlawula.

Ngokumalunga nentlawulo kunye nexesha lobabalo, ibonisa ixesha elisusela kwiminyaka eyi-1 ukuya kwengama-20 kunye nethuba lokufikelela kwiminyaka emi-3 yobabalo oluphambili ngokuxhomekeke kwimigaqo. Kwiikomishini, kwelinye icala, iziko letyala linokuhlawulisa ikhomishini enye ekuqaleni komsebenzi, ukongeza, apho kufanelekileyo, intlawulo yokuqala. Iziqinisekiso: ziya kumiselwa liziko letyala, ngaphandle kwesiqinisekiso seSGR / SAECA. Kuzo naziphi na iimeko, iimali mboleko zinokwenziwa ngokusesikweni phantsi kwalo mgaqo kulo nyaka uphelileyo.

Inzala yemali mboleko

Umxhasi uya kuba nakho ukukhetha phakathi kwenzala engaguqukiyo okanye eguquguqukayo. Ukuba lo msebenzi ubusenziwa ngokwamazinga wenzala eyahlukileyo, iyakujongwa rhoqo kwiinyanga ezintandathu liziko letyala ngokungqinelana nezibonelelo zesivumelwano semali. IiKhomishini kunye nenkcithos: iziko letyala linokufaka ikhomishini ekuqaleni komsebenzi. Iindleko eziya kumthengi wale khomishini kunye nexabiso lenzala alinakugqitha kwelona liphezulu le-APR elinokuthi liziko lekhredithi linokufaka isicelo kulo msebenzi kuxhomekeke kwixesha lalo. Ukongeza, kunokuhlawulwa ikhomishini yokuhlawula kwangoko ngokuzithandela enokuthi, ngokubanzi, ibe yi-1% yemali erhoxisiweyo xa umsebenzi ubumiselwe ngokusesikweni.

Xa yenziwe ngokusesikweni ngexabiso eliguqukayo, kuya kusetyenziswa ikhomishini ephezulu ye-0,8% kunye ne-0,0 5 ubuncinci, kuxhomekeke kubomi obushiyekileyo bomsebenzi ngomhla wokuhlawulwa kwetyala. Olunye ulwazi malunga nokucinywa kwangoko kwemali mboleko. Kwimeko apho intlawulo inyanzeliswa kwangethuba, umrhumo wesohlwayo esiyi-2% uza kongezeleka kwisixa esisemthethweni. I-APR yokusebenza INqanaba eliLinganayo lonyaka (APR) elisebenzayo kulo msebenzi liya kwenziwa ngexabiso lekhomishini yokuqala, elisebenza liziko letyala, kunye neqondo lenzala. I-APR ayinakugqitha kumda ophakamileyo osekwe yi-ICO. Ngokunyuka kwamaqonga anemigca yokusebenza kwaye unabantu abafana nawe njengabamkeli babo abaphambili.

Amortization kunye nexesha lobabalo

• Ukusuka kwi-1 ukuya kwi-6 iminyaka nge-0 okanye unyaka omnye wobabalo oluphambili
• Ukusuka kwiminyaka esi-7 ukuya kweli-9 nge-0, 1 okanye 2 iminyaka yobabalo
• Ukususela kwi-10, 12, 15 kunye ne-20 iminyaka ene-0, 1, 2 ukuya kwi-3 iminyaka yobabalo

Abasebenza ngokukhululekileyo, oosomashishini, iinkampani, amaziko karhulumente nawabucala (iziseko, ii-NGO, uLawulo loLuntu), abenza imisebenzi yabo yeshishini eSpain banokucela le nkxaso-mali ngaphandle kweofisi yabo ebhalisiweyo okanye idilesi yerhafu nokuba uninzi lwenkunzi yabo yiSpanish okanye owasemzini. . Abantu, uluntu lwabanini kunye namaqela oluntu abanini banakho ukucela inkxaso-mali ngalo Mgaqo ukuvuselela amakhaya kunye nezakhiwo okanye ukuguqula izinto zabo ezifanayo.

Enye yezona zinto zibalulekileyo ekufuneka zithathelwe ingqalelo xa kuqeshwa kukuba olu hlobo lwemali luya kuhambelana noncedo olufunyenwe kwii-Autonomous Communities (CCAA) okanye kwamanye amaziko. Apho umthengi aya kufuneka khona ngenisa amaxwebhu ukuba iZiko ngalinye laMatyala libona kufanelekile ukwenza umsebenzi.

Amaxwebhu ekufuneka uwenzile

Ukufikelela kolu hlobo lweekhredithi ezikhawulezayo iimfunoNgokubanzi, zibanzi kunokuba zinokubonakala ekuqaleni, akwanelanga nge-DNI kunye nengxelo yokugqibela yomvuzo. Kuxhomekeke kwiikhrayitheriya zeziko ngalinye letyala, eyona nto ixhaphakileyo kukuba ngexesha lokumiselwa ngokusemthethweni kwemali mboleko yezi mpawu, abafaki-zicelo kufuneka bangenise la maxwebhu alandelayo: ifotokopi yeNcwadi yeSazisi kaZwelonke okanye iKhadi lokuHlala elinamandla onke amaqela angenelelayo, Ifotokopi yerisithi ethe ngqo egameni lakho (umbane, amanzi, igesi, umnxeba, i-inshurensi, iselfowuni ...); Ubungqina bokungena komnini kunye nomnini-mnini, ukuba kufanelekile.

Ngokuchasene noko, ukuba uqeshiwe, ifotokopi yeepheyiroli ezimbini zokugqibela kwaye ukuba uziqeshile, ifotokopi yerhafu yokugqibela yomntu kunye nekopi yeekota ezimbini zokugqibela ziya kufuneka. Kwimeko apho abafaki-mabango badla umhlala-phantsi okanye badla umhlala-phantsi, uxwebhu oluqinisekisiweyo iyakuba lolokuhlaziywa kwepenshoni. Kuzo zonke iimeko ezinokugqitywa ngokuchanekileyo.