I-Mejoravit Imali ekhawulezayo: Izibonelelo kunye nokunye

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Kubantu abafuna ukwenza utshintsho kumakhaya abo okanye naluphi na uhlobo lokulungiswa okanye ukulungiswa kwakhona, kunzima kakhulu ukuba bafumane isixa semali efunekayo ukwenza ezi ntlobo zamalungiselelo, yingakho kweli nqaku siza kuchaza imali. Kwangoko ukusuka eMejoravit, ungayeki ukufunda isithuba njengoko kuya kuba luncedo kakhulu kuwe.

UKUSEBENZA KWANGOKO KWANGOKO MEJORAVIT

Imali ekhawulezayo yeMejoravit

Ukufumana indlu liphupha abantu abaninzi abanqwenela ukuba nalo ngaxa lithile kubomi babo, nangona kunjalo xa siyifumana sifuna ukuziva sikhululekile ngokupheleleyo kuyo kwaye ngale ndlela siziva sikhululekile kwipropathi kuba ngenxa yesizathu esithile inokwenzeka. kukho into esingayithandiyo kwaphela; ifacade yayo, ibalcony, iiseramikhi, iingcango, phakathi kwezinye izinto ezininzi, nangona kunjalo ezo zikhankanywe ngasentla zikholisa ukuba zezona zixhaphakileyo kwaye zikwamele iindleko eziqaphelekayo.

Kwaye ngokubanzi kunzima kakhulu ukukwazi ukuqokelela yonke imali efunekayo kuba ukonga le mali kufuneka uyigcine ixesha elide ukuze ukwazi ukunyusa imali efunekayo ukulungisa indlu yakho kwaye ke uyilungelelanise ngokupheleleyo. incasa yakho ngale ndlela yiba ngokupheleleyo ekuthandeni kwakho kanye ngendlela ofuna ngayo.
Nangona kubonakala kungenakwenzeka ukuyifumana, akunjalo kwaye kweli nqaku siza kuchaza into onokuyenza ukuze ukhulise imali oyifunayo ukuyilungisa kwaye uhobise indlu yakho ngendlela oyifunayo, kwaye oku kunokubakho ngeMejoravit. kuba lolona khetho lungcono u-Infonavit anokunika lona, ​​kuba ngolu khetho unokufumana imali efunekayo ukwenza uphuculo oluyimfuneko kwikhaya lakho, kuba baya kukunika imali mboleko ngekhadi kumxhamli oya kunikwa imali ethile. Isixa semali esiza kuthatyathwa kancinci kancinci kumvuzo owufumanayo.
Izaphulelo eziya kwenziwa kumvuzo womntu othatha imali-mboleko ziya kwenziwa kunye nesivumelwano sangaphambili ngexesha lesicelo semali-mboleko.Kumele kuqatshelwe ukuba iMejoravit yenye yezona ndlela zilungileyo ekufuneka iintsapho zifumane imali mboleko. ukwenza ulungiso namalungiselelo ngaphakathi kwekhaya lakho nto leyo emele iindleko ezinkulu ezinokuchaphazela ngokupheleleyo imali yentsapho.
Naluphi na uhlobo lokulungiswa okufunekayo kwindlu yakho kuya kumela iindleko ezinkulu kuba kukho izinto ezininzi eziya kufuneka, umzekelo izinto kunye nomsebenzi wabantu abaza kuqhuba ukulungiswa, nangona kunjalo phakathi kwezinto eziqhelekileyo esinazo; ungangeni manzi kwindlu yakho, wenze izandiso, upeyinte indlu ngaphandle nangaphakathi, utshintshe umgangatho kwaye wenze ukufikelela kubantu abakhubazekileyo, zonke ezi zilungiso zikhankanyiweyo zingenziwa ukuba ufumana ikhredithi kwiMejoravit phantsi kwemiqathango abaya kuyibonisa. eya kuwe. .
UKUSEBENZA KWANGOKO KWANGOKO MEJORAVIT

Usebenza njani?

Ngoku siza kwazi ukuba olu hlobo lwetyala lusebenza njani kwaye kufuneka senze ntoni ukuyicela kwaye ngawaphi amanyathelo ekufuneka siwalandele ukuqinisekisa ukuba banokusinika imali-mboleko, kubalulekile ukukhankanya ukuba xa olu hlobo lwetyala luvunyiwe. , ifunyenwe ngekhadi le-MasterCard, Emva kokuba ikhredithi ivunyiwe yibhanki, ungayisebenzisa kwiivenkile ezikhethekileyo.

I-Mejoravit sisixhobo esinjongo yayo isisiseko ikukubonelela ngoncedo oluyimfuneko kubasebenzi abayidingayo njengoko befuna imali-mboleko ngokukhawuleza kuba kubalulekile ukuba balungise izindlu zabo, ukuze bafumane imali-mboleko yakho ye-Mejoravit ngokukhawuleza. ukwenza isicelo ekufuneka samkelwe ngokufanelekileyo yibhanki, sakuba sivunyiwe isicelo, uya kuba nemali kwikhadi lakho le-Mastercard kwaye uya kukwazi ukulisebenzisa ngokukhululekileyo ukuhlawula oko ukudingayo.

Kubalulekile ukukhankanya ukuba uya kukwazi ukusebenzisa kuphela i-20% yale khredithi kuhlobo oluthile lweendleko zobuqu okanye intlawulo yomsebenzi wabantu abaza kusebenza belungisa, kuba i-80% eseleyo iya kuba kuphela. Kufuneka uyisebenzise ukuthenga izinto eziyimfuneko ukwenza ukuphuculwa kwekhaya, kufuneka kuqatshelwe ukuba zonke ezi zinto ziyimfuneko kufuneka zithengwe kwiivenkile ezinesivumelwano sangaphambili kunye nenkqubo ye-Infonavit, oko kukuthi, izixhobo azikwazi ukuthengwa nakweyiphi na ivenkile okanye ivenkile yehardware ekhethwe nguwe.

Ngubani onokufaka isicelo sekhredithi ye-Mejoravit?

Ngokuqinisekileyo uhlala uzibuza ukuba ngubani onokufaka isicelo kwaye impendulo kukuba bonke abantu ngoku banobudlelwane obuthile bengqesho, oko kukuthi, abanomsebenzi osisigxina kwaye banomvuzo wenyanga banokufaka isicelo kuwo ngaphandle kwengxaki, leyo Ukuba kufuneka khumbula ukuba xa ufumana imali-mboleko kumvuzo wakho wenyanga, i-20% iya kutsalwa de uhlawule yonke imali oyibolekile, kodwa njengoko kukhankanyiwe kwimigca engaphambili oku kuya kulungelelaniswa phambi kokufumana imali kwikheshi yangoko nangoko.

Kubalulekile ukukhankanya olu lwazi kwaye kukuba ukuze uqhube imali-mboleko kufuneka wazi ngokwenene ukuba lilonke ixabiso lekhaya lakho, ukuze ngale ndlela wenze imali-mboleko yakho ngesixa esifanayo, oko kukuthi, ngokwazi. ixabiso lendlu uya kucela esi sixa sinye ngexesha ukusetyenzwa mboleko ukwenza ukulungiswa kwikhaya lakho ukususela ukulungisa ikhaya kuya kwandisa iindleko zayo kwaye iya kuxabiswa phezulu kakhulu.

UKUSEBENZA KWANGOKO KWANGOKO MEJORAVIT

Ungalifumana njani ityala leMejoravit?

Kuba sisazi ukuba ngoobani abantu abanokufumana ikhredithi ye-Mejoravit, ngoku makhe sifunde ukuba ungayifumana njani kwaye yintoni ekufuneka uyithobele ukuze ube nayo:

  • Njengoko kukhankanyiwe ngasentla, kufuneka ube nomsebenzi osisigxina kodwa kufuneka ube ngumxhamli we-Infonavit.
  • Kubalulekile ukukhankanya ukuba nabani na onqwenela ukufaka isicelo sekhredithi kufuneka usebenze ngaphezu kweenyanga ezi-8 kwinkampani enye, kwaye kufuneka abe ne-116 amanqaku.
  • Kufuneka uhlale ukhumbula ukuba xa usenza imali xa udibanisa iminyaka yakho kunye nexesha omele urhoxise ngalo ikhredithi echaziweyo, kufuneka ingagqithi kwiminyaka engama-75.
  • Kufuneka ubonise iimbekiselo ezimbini zobuqu apho kufuneka ziboniswe; i idilesi yekhaya kunye nenombolo yomnxeba kunye nomntu okunika iireferensi.
  • Ukuba ngaphambili ucele imali-mboleko phantsi kwendlela ye I-Mejoravit, i-credit yangaphambili kufuneka ihlawulwe kuqala ngokupheleleyo, ukuba kunjalo, unokuqhubeka nokucela ikhredithi entsha
  • Indlu oza kuphucula kuyo kufuneka ibe yeyakho, iqabane lakho okanye isizalwane esisondeleyo, njengabazali, abantwana, abantakwenu kunye nootatomkhulu noomakhulu.

Iimfuno zokucela iikhredithi zeMejoravit

Ngoku usazi ukuba olu hlobo lwetyala lusebenza njani ukwenza uhlaziyo kunye nokulungiswa kwekhaya lakho, kuya kufuneka ngoku uyazi ukuba zeziphi iimfuno kunye nezilumkiso ekufuneka uziqhubele phambili, nikela ingqalelo njengoko sizikhankanya ngezantsi:

  • Kufuneka ubonise imvelaphi kunye nekopi yesicelo sekhredithi ye-Mejoravit.
  • Nikeza isiqinisekiso sokuzalwa ngokoqobo kunye nekopi.
  • Ngexesha elichaziweyo kufuneka ubonise I-INE okanye i-IFE, ikopi kufuneka ihanjiswe yandiswe kwi-200%, abemi bangaphandle kufuneka babonise ipasipoti evumelekileyo kunye namaxwebhu okufudukela kwamanye amazwe, kwimeko yabemi bangaphandle baseMexico, baya kubonisa ileta yokuzalwa.
  • Thumela i-original kunye nekopi yengxelo ye-akhawunti egameni lomfaki-sicelo, kuba kuyacetyiswa ukuba ube nobomi obuluncedo obungekho ngaphezu kweenyanga ezintathu ngexesha lokufaka isicelo.
  • Ukunikezela ngemvelaphi kunye nekopi yeleta yokuhlala, kufuneka ibe khona; egameni lakho, eleqabane lakho okanye elomntu kusapho lwakho (abazali, abantwana, abantakwenu kunye nootatomkhulu noomakhulu), incwadi yokuhlala kufuneka ingabi mdala kuneenyanga ezintathu ukusukela oko yayiceliwe, ithathe umhla wokukhutshwa njenge ireferensi. , inokuba yiyo nayiphi na indima kwezi zilandelayo:
    • Irisithi yombane, amanzi, igesi, ifowuni yasendlini, i-Intanethi, iselula, irisithi yentambo kamabonakude, irisithi yerenti enawo onke amaphepha erhafu, anedilesi yasekhaya yalowo ucela ikhredithi.
  • Nikeza ingxelo ye-akhawunti apho zonke iitransekshini zebhanki zinokungqinwa okanye unokubonisa nesivumelwano sokuvula iakhawunti yetyala.
  • Uxwebhu lwendlu kufuneka luvela kwindlu apho uphuculo lwenziwa khona, inokuba egameni lakho, eloqabane lakho, okanye lelolungu losapho, kuba oku kufuneka uveze isatifiketi sokuzalwa okanye somtshato ukugunyazisa usapho. Isifaniso kwaye kufuneka sibekwiqumrhu elinye apho ikhredithi ilawulwa khona.
  • Onke amaxwebhu angenisiweyo kufuneka asiwe ngqo  kwiZiko leNkonzo ye-Infonavit elikufutshane nekhaya lakho okanye ungabonisana neefemu ezivunyiweyo kunye neeofisi zebhanki, apho unokucela khona ikhredithi yakho apho uya kunikwa iingcebiso simahla, kulapho kuphela oya kuba nakho ukwenza inkuthalo yakho. .
  • Ukuba ekungeniseni iirisithi kumiselwe ukuba uyahlangabezana noko kuyimfuneko ukuze uzifumane, baya kusibuyisela isicelo kunye nedijithi efanayo, ekuya kufuneka uyisayine kwaye uyinike umcebisi okuncedayo.
  • Nje ukuba kudlule malunga neeyure ezingama-72, kufuneka uqhubeke uprinte iSilumkiso sokubamba isaphulelo, kufuneka usise kwinkampani yakho, apho siya kufakwa isitampu, sisayinwe kwaye baya kuqhubeka ukusithabatha emvuzweni wakho.
  • Uya kukwazi ukusebenzisa umyinge we-20% yekhredithi ekuhlawuleleni umsebenzi; ukuba imali ephuma kwangoko evela eMejoravit iya kufakwa kwiakhawunti yebhanki oyinikezile. Emva koko, baya kukuthatha ifoto yakho ukuze ihlale kwifayile yakho.

Iimpawu zeMejoravit imali kwangoko

Ngoku makhe sazi ukuba zeziphi iimpawu zeMejoravit esebenzayo kwangoko:

  • Ubuncinci bemali enikezelweyo ngale khredithi ngamawaka amathathu e-920.38 pesos.
  • Isixa esikhulu esinikezelweyo ngeli tyala li-54 lamawaka angama-885.38 pesos.
  • Kufanelekile ukukhankanya ukuba izixa ezikhankanywe ngasentla aziyi kuhlala zifana njengoko zombini zinokwahluka ngokuxhomekeke kumvuzo wenyanga lowo ufaka isicelo sekhredithi awufumanayo, kwelinye icala zisenokwahluka. Ngokuxhomekeke kuhlobo lokuhlalisa olukhethayo, inokuba ziinyanga ezili-12, ezili-18, ezingama-24 okanye ezingama-30, eziya kuba nenzala ye-16.5% ngonyaka.

Izibonelelo zeMejoravit yimali yangoko nangoko

  • Inzuzo ephambili enokuthi ikhankanywe malunga neMejoravit kukuba inokucelwa amaxesha amaninzi njengoko kuyimfuneko, ngokuqinisekileyo nje ukuba iikhredithi zangaphambili zihlawulwe ngokuchanekileyo.
  • Iintlawulo kunye nekhredithi ngokubanzi ihlawulwa nge-payroll yomsebenzi.
  • Ukuze ucele enye ikhredithi, kufuneka ulinde ubuncinane iinyanga ezimbini ukuze ucele ikhredithi ye-Mejoravit.
https://www.youtube.com/watch?v=ipee8Opn0-s
Ukuba eli nqaku lisebenza ngokukhawuleza kwiMejoravit: izibonelelo kunye nokunye. Ukuba uyifumene inika umdla, qiniseka ukuba ufunda oku kulandelayo, okunokuthi kube kokuthanda kwakho:

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