Jonga ngokulula ibhalansi yeBansefi Mexico

Jonga ibhalansi yeBansefi, ngeenkonzo zeBanco del Ahorro Nacional y Servicios Financieros, usebenzisa iindlela ezahlukeneyo zobuchwepheshe eziququzelela ukuthengiselana kwemali yabathengi. Olu khetho lube yinto ephambili yempumelelo, iphucula ukuthembeka kwayo kunye nokuthembeka ngokunikezela ngenkonzo esemgangathweni. Yazi izibonelelo zeBansefi, kwaye uya kudibanisa ngokukhawuleza, ngokufunda okulandelayo.

Jonga iBalance Bansefi

I-Bansefi, ngenkonzo yebhanki ye-elektroniki ye-Bansefi, ikunika ithuba lokujonga ibhalansi yakho, ukunyakaza kunye neentlawulo ezenziweyo, ongayisebenzisa ngayo ifowuni okanye i-PC njengendlela.

Yintoni iBansefi?

I-Bansefi yiBhanki yeSizwe yoLondolozo kunye neeNkonzo zezeMali, injongo yayo ephambili kukunika izibonelelo eziyimfuneko zezicwangciso zentlalo ezenziwe nguRhulumente we-Federal, ukuqinisa kunye nokuqwalaselwa kwamaqela abafudukayo, ngokuthumela imali ephumayo ngexabiso elifikelelekayo. Iza kuxhasa abantu abatsha nabasetyhini abaphakathi kweminyaka eli-15 ne-17 ubudala, kubandakanywa nemali. I-Bansefi yaba yi-Banco del Bienestar, i-Sociedad Nacional de Crédito, iqumrhu lezemali elineenjongo ezibandakanya uncedo ngaphezu kwe-20 yezigidi zaseMexico, ezingaphakathi nangaphandle kwintsimi yelizwe.

Bansefi, uya kuyifeza njani injongo ephambili?

I-Bansefi kufuneka yandise izibonelelo zayo zoncedo, ngokuthatha inxaxheba kunye nentsebenziswano yoorhulumente basekhaya, amahlakani ezoshishino, kunye namahlakani oshishino kunye nezinye ii-arhente zikarhulumente kazwelonke ukuze kuphindaphindwe amaziko ayo eenkonzo.

UBansefi uzibophelele ekukhuthazeni iMfundo yezeMali eMexico

I-Bansefi okwangoku inoxanduva lokuqeqesha malunga nama-20 abantu abafumana umvuzo ophantsi kwiindawo zabo. Idale iwebhusayithi, ebizwa ngokuba yiFinancial for All, ekuya kuthi ngayo kufumaneke ulwazi kwimfundo yezemali kwaye kuthathwe amanqanaba amathathu ezifundo ze-intanethi.

Ungasifumana njani ingxelo yeakhawunti yeBansefi?

Ukuba ufuna ukwazi ibhalansi yengxelo yakho ye-akhawunti ye-Bansefi, ungayenza ngokukhawuleza, ngendlela ethembekileyo nekhuselekileyo, ngewebhusayithi: http://www.bansefi.gob.mx/. Ukuba unekhadi Bansefi amathuba khangela ibhalansi ikhadi kwi-intanethi kwaye uya konga imali ehlawuliswa yiBhanki yeNtlalontle yeSizwe xa usenza intengiselwano nomsebenzisi wakho wobuqu kuyo nayiphi na i-ATM, ekwindawo yelizwe.

Inkqubo ikhawuleza kakhulu kwaye ilula, landela la manyathelo:

1. Faka inombolo yeakhawunti yakho kwaye ukhethe i icon "sign in".
2. Faka igama eliyimfihlo, jonga ibhalansi yengxelo yeakhawunti yakho kwaye wenze nayiphi na enye intshukumo oyifunayo.

Yintoni ingxelo yeakhawunti yeBansefi?

Ingxelo ye-akhawunti ye-Bansefi sisixhobo sezemali esikuvumela ukuba ufumane ulwazi olubalulekileyo, apho unako khangela ibhalansi ye-Bansefi kwi-intanethi, iintlawulo kunye nayo yonke imisebenzi eyenziwayo. I-Bansefi ikwabonelela ngethuba lokuba ne-akhawunti yokonga enjongo yayo ikukuqokelela imali yakho ngowona khuseleko lunokwenzeka ukuze ube nayo xa uyifuna, ngokusebenzisa amajelo ahlukeneyo. Ukuba ufuna ukuvula i-akhawunti ye-Bansefi, awufuni ubuncinane bemali kwaye akukho mda weminyaka yayo.

Iakhawunti yogcino lwe-Bansefi ineempawu ezithile ezikhethekileyo, ezichazwe ngezantsi:

• Ungafikelela kwiibhanki ze-elektroniki kunye nebhanki ephathwayo ngaphandle kweendleko
• Khetha ukuba loluphi uhlobo lweakhawunti oluhambelana neemfuno zakho
• Khupha imali yakho kuyo nayiphi na iofisi yebhokisi yaseBansefi, ngaphandle kwexesha lokuphelelwa
• Fumana umdla kwaye ukhuphisane kwimizobo yabo ekhangayo
• Yenza iidipozithi ukusuka kwi-30 yeepesos kwi-locker nganye
• Gcina iintlawulo zakho zenkonzo

Ubume beakhawunti yeBansefi: Ngaphambili

I-Bansefi kunye ne-Afore, iqulunqa isicwangciso soRhulumente we-Federal kunye noNobhala wezeMali kunye neTyala loLuntu, apho bakhusela uMsebenzi weNtlawulo yaseMexico (uThutho) kunye ne-Bansefi, ukuququzelela ukugcinwa kokuzithandela kubo bonke abalawuli beNgxowa-mali yoMhlalaphantsi (Ngaphambili). Okwangoku, kukho ii-arhente ze-Bansefi ezingama-428, ezinobukho kumaqumrhu angama-32 kunye noomasipala abali-1.557 kwimimandla yasemaphandleni, equka wonke ummandla wesizwe. Lo mlinganiselo ubunyusa inqanaba lawo lomda, oyinxalenye yeenjongo ezingundoqo zesiCwangciso.

Abathengi bemfonomfono be-Bansefi banazo iziza ezingama-5 ezitsha ngokupheleleyo, ukuze kuphunyezwe ukudityaniswa kolondolozo ngokuzithandela kwinkqubo yomhlalaphantsi (iTelecom, Círculo k kunye ne-7 – Eleven). Ukudluliselwa, kwelinye icala, kugunyazisa abasebenzi ukuba badlulisele imali kwiiakhawunti zabo zangaphambili ngeeselfowuni zabo. Ukudluliselwa yinethiwekhi ekhuseleke ngokupheleleyo kwaye ethembekileyo, ukufumana kunye nokuthumela imali, iiyure ezingama-24 ngosuku, yonke imihla yonyaka.

I-Bansefi, ibonakaliswe ngokuphatha abasebenzisi abangakhonzwanga ngeBhanki yezoRhwebo kunye noTshintsho, ibonelela ngesixhobo esibalulekileyo esikuvumela ukuba usebenzise izicelo zeselula xa ufuna ukwenza umnikelo wokuzithandela wokuthatha umhlalaphantsi. Ngokubonelelwa kwezi ndlela, kujongwe oku kulandelayo:

1. Ukubonelela abasebenzi ngeseti yezixhobo eziyimfuneko kunye nezakhono, ezifana neefowuni eziphathwayo, ukuze bakwazi ukonga naphi na apho bakhoyo kwaye ngexesha elifunwayo.
2. Dibanisa isiphakamiso seendlela ezisekiweyo zasezidolophini, ukuze kuqhutywe ulondolozo ngokuzithandela kunye nokwandisa inani elikhulu lemimandla yasemaphandleni ngokusebenzisa i-Bansefi.
3. Sebenzisa ukomelezwa kwe-Afore njengendlela yokuqala yokukhuthaza ukubandakanywa kwemali yaseMexico.

Ukwenza iminikelo yokuzithandela kwii-arhente ze-Bansefi, landela la manyathelo achazwe ngezantsi:

1. Cela inkonzo ethi "Voluntary Contribution in Afore" kwibhokisi ye-arhente
2. Ibonisa i-Unique Population Registry Key (CURP) yomqeshwa oya kufumana igalelo
3. Bonisa isixa somnikelo $50 amawaka pesos nangaphezulu

Emva kokuba yonke idatha inikezelwe, uya kufumana ngokukhawuleza irisithi, apho unokuqinisekisa ukuba igalelo lenziwa.

Ukuba unqwenela ukwenza iminikelo ngokuzithandela, ngeqonga lokuTshintshela, thobela la manyathelo alandelayo:

Ukuba unayo i-smartphone

1. Khuphela uTshintsho App
2. Khetha: vula iakhawunti yokuGqithisela
3. Bonisa inombolo yeselula yakho
4. Seta iNombolo yoSazisi yoMntu enamanani ama-6 (i-PIN)
5. Emva kokuba i-akhawunti yenziwe, idiphozithi nge-SPEI (intlawulo ye-elektroniki) okanye kwiivenkile ze-7-Eleven kunye ne-Oxxo
6. Beka i-Unique Population Registry Key (CURP) kunye nesixa onqwenela ukufaka isandla, ukuqala kwi-50 yeedola zeepesos kwaye ukhethe "Hlawula"
7. Ibonisa iNombolo yoSazisi yoBuqu (NIP) ukuze kugunyaziswe udluliselo
8. Khuphela irisithi yokudluliselwa kunye nephepha eligunyazisiweyo

Ukuba awunayo i-smartphone

1. Vula iakhawunti yokuGqithisela.
2. Thumela i-SMS kwinombolo yefowuni ehambelana ne-4040 ebonisa igama elithi PHAMBILI, indawo, iKhowudi yeRegistry ye-Unique Population of the contributor, indawo kunye nemali ogqiba ngayo ukufaka isandla.
3. Qinisekisa iNombolo yoSazisi yoBuqu yoTshintsho (i-PIN) kwaye uvumele udluliselo.
4. Khuphela ivawutsha.

Ubume beakhawunti yeBansefi: Iyachuma

ifowuni bansefi ikunika ithuba lokwazi enye yeemveliso zayo ezintsha ngokusebenzisa umanyano olusekwe nge-Mastercard, njengekhadi elithi "Bansefi Próspera", elikuvumela ukuba ukhuthaze ukubandakanywa kwemali kweli lizwe. Ngaphakathi kweenkonzo zayo kubandakanya: ukonga, imali-mboleko, i-inshurensi, imfundo, ngaphezu kwezinye iinzuzo ezinikezelwa kubathengi abathatha inxaxheba kwiNkqubo yeBansefi Próspera.

Iinjongo zeBansefi Prospera Cards

1. Ukukhuthaza ukukhuthazwa kwemfundo yezemali kwinqanaba likazwelonke
2. Khuthaza ukonga kubemi
3. Nikeza ngoncedo olunyanisekileyo noluthembekileyo ngokusebenzisa amakhadi

Izibonelelo zeKhadi leBansefi Prospera

1. Ikunika ukhuseleko iiyure ezingama-24 ngosuku
2. I-Inshorensi ye-USD 750 kumntu ngamnye ofakwe kwi-inshorensi, kolu luhlu lulandelayo: ukufa ngengozi, inkonzo yomngcwabo, inkonzo yokutshisa umzimba, ibhokisi elula, phakathi kwabanye.
3. Inketho kwinkonzo yezomthetho ngefowuni: ukufumana isatifikethi sokufa, esikhutshwe ngunobhala wezempilo okanye isatifikethi sokufa esikhutshwe yi-Civil Registry.

Indlela yokuprinta ingxelo yeakhawunti yeBansefi?

Ukuprinta ingxelo yeakhawunti yakho yeBansefi, ngenisa i-portal http://www.bansefi.gob.mx/, kwaye ulandele amanyathelo akhankanyiweyo ukufumana umzimba ngokulula.

Ngaphakathi kwe-Bansefi kunye ne-Mastercard alliance, i-debit card ebizwa ngokuba yi-Bansefi Mas nayo ibandakanyiwe, ebonelela ngeentengiso ezithile kubasebenzisi.

Bansefi

Ukuba ungumxhamli weNkqubo yePróspera, uya kukwazi ukwenza isivumelwano sephakheji yezibonelelo zeBansefi +, ezibandakanya i-inshurensi yobomi, iingcebiso zonyango kunye nesondlo, uncedo lwefowuni kunye neefowuni ezikude iiyure ezingama-24 ngosuku, iintsuku ezisi-7 ngeveki kunye neentsuku ezingama-365. .wonyaka. Kufuneka nje udityaniswe neNkqubo yeProspera, ngaphandle kweendleko. Ukwenza inkqubo yakho, kufuneka uye nakweliphi na isebe le-Bansefi, elikwilizwe lonke.

Bansefi, ngoku iBhanki yeNtlalontle

I-Banco de Bienestar inikezela ngoluhlu lweemveliso ezilungelelanisa iimfuno zotyalo-mali zomntu ngamnye, apho iqwalasela ixesha, isixa kunye ne-liquidity yeemfuno zabo. Phakathi kweemveliso kunye neenkonzo ezibonelelwayo, zezi zilandelayo:

akhawunti debit

Yiakhawunti yokonga, esebenza ngekhadi lebhanki, nokuba linzala okanye lingenayo, ukulawula iindleko, ngaloo ndlela kuthintelwa ukusetyenziswa kwemali.

Izixhobo

1. Icinga ngenani elincinci lokuvula kunye neediphozithi
2. Unokuba nemali ngexesha olifuna ngalo, usebenzisa ii-ATM eziBomvu eMexico nakwihlabathi liphela.
3. Inokwamkelwa kwamawakawaka amaziko okuhlawula iimpahla kunye neenkonzo.

Debit

Xa uvula iAkhawunti yakho yeDebit, ufumana ikhadi lakho lokubambisa kunye neNombolo yeSazisi soBuqu (i-PIN) kwaye uya kuba nokufikelela kuzo zonke ii-ATM ezibomvu kunye nokukhetha ukuhlawula kumaziko asebenzisana ne-Mastercard.

Iimpawu zeDebit Card

1. Intlawulo yimali
2. Ukusetyenziswa kwekhadi lakho kunempembelelo ekhawulezileyo kwibhalansi yeakhawunti yakho

Imisebenzi enokuthi yenziwe

1. Yenza idiphozithi ukusuka kwi-30 pesos ngeefestile zeBanco Bienestar
2. Yenza iidiphozithi kwiimbalelwano zebhanki ezigunyazisiweyo, ukuya kuthi ga kwi-6 amawaka eepesos imihla ngemihla
3. Jonga ibhalansi kwiifestile zebhanki, ii-ATM kunye neembalelwano zebhanki ezigunyazisiweyo
4. Yiba nemali kwii-ATM, ukuya kuthi ga kwi-5 pesos ngosuku
5. Yiba nemali kwiifestile ze-Banco Bienestar ukusuka kwi-30 pesos ukuya kwi-balance balance ekhoyo kwi-akhawunti yakho.
6. Fumana imali, ngokubhalelana kwebhanki egunyazisiweyo, ukuya kuthi ga kwi-2 lamawaka epesos ngosuku
7. Hlawula iinkonzo, ukusetyenziswa kunye nokuthengwa kwezinto kwiivenkile ezidibeneyo, ukuya kuthi ga kwi-20m amawaka eepesos ngosuku.

iimfuno zokuvula

• Ubuncinci bemali yokuvula, i-50 pesos ngemali
• Uqobo kunye nekopi yesazisi esisebenzayo esinefoto
• Eyoqobo kunye nekopi yobungqina bendawo yokuhlala engekho ngaphezulu kweenyanga ezi-3
• Yiba ngumdala osemthethweni

Izinto ezilungileyo zokusebenzisa ikhadi lebhanki

1. Lawula umngcipheko wokuphatha imali
2. ukulawula iindleko
3. Thenga ngokukhawuleza nangokuthembekileyo
4. Ithuba lokuchitha imali iiyure ezingama-24 ngosuku kunye neentsuku ezingama-365 ngonyaka
5. Iinkonzo zokusetyenziswa kwekhadi azinandleko

Ityala elisisiseko

Yi-akhawunti yediphozithi enekhadi ledebhithi elinxulumeneyo njengendlela yokufikelela. Intlawulo yenyanga akufanele idlule imivuzo ye-165 esebenzayo kwiSithili se-Federal.

IBhanki yeNtlalontle yoMvuzo

Yi-akhawunti yediphozithi, ehambelana nekhadi le-debit, ngenjongo yokufumana imivuzo kunye nezibonelelo zentlalontle, kwaye intlawulo yenyanga kufuneka ingadluli i-165 yemihla ngemihla yomvuzo omncinci.

i-akhawunti yokugcina

Ivumela umxhasi ukuba abe nemali nanini na xa efuna kwaye alawule iindleko ezihambelanayo.

tandahorro

Ibandakanya i-akhawunti yokonga yexesha elimiselweyo ehambelana ne-akhawunti engundoqo kwiindleko zenkqubo.

Iakhawunti yokonga yabantwana

Iqulathe isicwangciso sekota esifanelekileyo sekota ukwenzela ukuba abantwana bafunde ngokulula ukonga ngokusesikweni, ngenjongo yokudala umkhwa wabo wokonga.

Cetesdirecto

Sisixhobo sezemali onokuthi utyale imali kwi-pesos ye-100, ngefowuni okanye kwi-intanethi, iqwalasela imimiselo esuka kwi-1 inyanga ukuya kwi-10, i-20, kunye ne-30m iminyaka, ngenkxaso ye-Federal Government.

Inqaku lesithembiso kunye ne- Yield Settleable at Maturity (PRLV)

Eli Nqaku libandakanya utyalo-mali olunembuyekezo ehlawulwa ngomhla wokuvuthwa. Kufanelekile ukugcina kunye nokwandisa ubutyebi bakho kunye nethuba lokucwangcisa ubukho botyalo-mali lwakho ngokukunika imimiselo eyahlukeneyo kunye nezinto ezinomdla ezinomdla. Ikwanayo nenkxaso ye-Federal Government.

indawo yokuhlala

Baquka iinkqubo zokuthembana eziqinisekisa ukufumana ikhredithi okanye inkxaso ekuvumela ukuba ufumane, wakhe, uphucule, ulungise ikhaya lakho. Ukongeza, kukwakho ne-akhawunti ye-INFONAVIT Savings, eqinisekisa amalungelo akho ngokulondoloza kwakho rhoqo kwi-Banco del Bienestar xa ufumana imali-mboleko.

Iakhawunti yokonga yeCONAVI

I-akhawunti yokonga ye-CONAVI sisicwangciso sokulondoloza esijoliswe kubantu abadibanise umvuzo womntu ngamnye.

Izixhobo

Baququzelela ukudityaniswa kwegalelo loqoqosho elijolise kwi-«Savings Preor», ngokuhambelana nemithetho yokusebenza ye-«Le yiNdlu yakho» Inkqubo. Isixa-mali siyahla kwaye sixhomekeke kwinkxaso eceliweyo. Ixesha lokuqokelela igalelo elihambelanayo lisusela kwiinyanga ezi-4 ukuya kwezingama-24. Le nkqubo ibonelela ngoku kulandelayo:

• Ikuvumela ukuba uqokelele isixa segalelo ngokhuseleko kunye nokungafihli.
• Unciphisa isixa setyala lokuthenga ikhaya xa ukonga kwakho kuphezulu
• Ikunika umdla onomtsalane ngokupheleleyo
• Ikuvumela ukuba uthathe inxaxheba kwii-sweepstakes ezahlukeneyo
• Ibonelela ngokhuseleko lokufa

Ukusebenza

Iqela elinomdla kufuneka liye kwiQumrhu eliLawulayo leNkqubo ukuze libonelele ngesicelo seNkxaso-mali yeZindlu, kwaye kufuneka isibuyisele kunye nolwazi oluchanekileyo noluqinisekisiweyo. Ukuba uthathwa njengomgqatswa wokukhetha inkqubo, kufuneka uye kwisebe le-Banco del Bienestar ozikhethele lona ukuze uvule i-akhawunti yakho yokonga kwaye ngaloo ndlela uqokelele umnikelo.

Kwimeko yokuxhamla kwiNkqubo, iQumrhu eliLawulayo liya kwazisa umviwa xa liza kucela umnikelo ohambelana noLondolozo lwangaphambili. Nangona kunjalo, i-Banco del Bienestar iya kubonisa kumviwa ukuba banokukhetha ixesha lokulondoloza ukusuka kwi-4 ukuya kwiinyanga ze-24.

iimfuno zokuvula

Iimfuno zokuvula zeNkqubo ethi "Le yiNdlu yakho" imele into ebalulekileyo kumfaki-sicelo ukuba akhethe ukuba ngumxhamli weNkqubo, kwaye kufuneka athobele ngokungqongqo.

 Ukonga kwi-Banco del Bienestar kufuna ukuba:

• Umfaki-sicelo uya kwiQumrhu eliLawulayo ukuze avavanye ukufaneleka kwabo kwinkxaso ye-CONAVI, ngokusebenzisa iMibutho yeSizwe yeZindlu, ekufuneka isebenzise iKhadi leNgcaciso yoQoqosho oluhambelanayo (CIS).
• Umfaki-sicelo kufuneka abonise isazisi sokuqala kunye nekopi yesazisi sakhe sangoku kunye nobungqina bedilesi ebonisa ukuba mkhulu ongadluli kwiinyanga ezintathu. Umfaki-sicelo kufuneka enze idiphozithi yokuqala yenyanga, ngokuxhomekeke kwisiphumo sokwahlula injongo yokonga ngenani leenyanga ezikhethiweyo.

Ngolu lwazi sigqibezela isihloko esinxulumene nokuHlola ibhalansi yeBansefi. Ukuba usifumene esi sihloko sinomdla, ndicebisa ukuba ujonge la makhonkco alandelayo:

Vula enye akhawunti yedola kwi mexico ngokulula

Vula eyakho akhawunti ngeedola e Banorte waseMexico

Vula eyakho akhawunti dollar kwi HSBC waseMexico