Ungalibheka kanjani ijika elisebenzayo? Okufanele ukwazi

I-Efecty ibonakala ngokuba inkundla yokukhokha esebenza ngokukhethekile emalini ethunyelwa ezweni lonke, le nkundla inesipiliyoni seminyaka engaphezu kwengu-20 uma unenkokhelo kuyo futhi ufuna ukwazi ukuthi ungabheka kanjani okusalungiswa kwe-Efecty? Qhubeka ufunde okuthunyelwe okuzokusiza.

Bheka i-oda lemali

I-Efecty yinkampani enesibopho ngokuyinhloko sokuthumela ama-oda wemali, izinkokhelo kanye nokukhokhiswa kabusha kulo lonke elaseColombia, kubalulekile ukusho ukuthi le nkampani yaqala ukuhlinzeka ngemisebenzi yayo kusukela ngo-1996, okungukuthi, ineminyaka engaphezu kwamashumi amabili kusukela yasungulwa ngaphakathi emakethe futhi Kuso sonke lesi sikhathi ebisebenza, isikwazile ukufinyelela amagatsha angu-8.000 kuyo yonke indawo yaseColombia lapho ingakhonza khona abantu abafisa ukukhokha noma ama-oda emali futhi ikhona nakomasipala abangu-1.070 XNUMX abakha iColombia. kuze kube namuhla.

Imali ekhokhiswa inkampani izoncika enanini eliyi-pesos ukuze kuthunyelwe i-oda lemali, yingakho sizochaza amanani ezimali ezikhokhiswayo ngempumelelo ngezansi:

• 5.000 kuya ku-50.000 - 4.000 imali.
• 50.001 kuya ku-100.000 - 6.000 imali.
• 100.001 kuya ku-150.000 - 7.500 imali.
• 150.001 kuya ku-200.000 - 8.300 imali.
• 200.001 kuya ku-500.000 - 3.000 + 3% imali.
• 500.001 kuya ku-3.000.000 - 2,99% imali.

Noma yimuphi umuntu onentshisekelo kule nkonzo okufanele ayenze ukufaka inkundla ye-inthanethi ukuze kuboniswane ngokudluliswa kwemali ngokwenza Chofoza lapha, uma usungaphakathi ohlelweni uzokwazi ukubala inani lemali okufanele ikhokhwe ngokwendlela yemali ezothunyelwa. Uma ungena endaweni yesikhulumi uzokwazi ukubuka ifomu lapho uzobona khona ukuthi umsebenzisi ucelwa ukuthi anikeze uchungechunge lwedatha yolwazi mayelana nokusekelwa kwamarisidi asalungiswa, lapho ifomu seligcwalisiwe nawo wonke amaqoqo aceliwe. , kufanele uchofoze inketho ethi Consult ukuze ukwazi ukubona Isimo Se-Giro.

Ukubalwa kwevelu ye-Efecty twist

Uhlelo lwe-Efecty lunethuluzi elitholakala kuwo wonke amakhasimende alo eliwavumela ukubala izindleko zakho konke ukudluliselwa kuyo yonke indawo kazwelonke, ithuluzi okukhulunywa ngalo iqiniso liwusizo kakhulu njengoba ngesikhathi kudingeka ukuthengiselana, kungenzeka yazi inani lemali okufanele kubalwe kuyo ukuze uthole isevisi.

Ungawenza kanjani i-oda lemali le-Effecty online?

Uma ufuna ukuthumela imali nge-inthanethi, kunochungechunge lwezinyathelo okufanele zilandelwe ukuze uthumele imali nge-efecty inthanethi yesikhulumi futhi lezo zinyathelo okufanele zilandelwe zizochazwa ngemininingwane eminingi ngezansi:

Ukufinyelela Platform

Into yokuqala okufanele uyenze ukufaka inkundla ye-inthanethi ye-efecty futhi uma usukhona, kufanele uyifinyelele ngokuchofoza inketho ye-oda lemali kazwelonke, ngokulandelanayo.

Ngena ngemvume noma ubhalise

Kubalulekile ukusho ukuthi ukuze ukwazi ukujabulela zonke izinsizakalo ezinikezwa yi-platform ye-intanethi, kuyadingeka ukuqala iseshini, lokhu kusesimweni lapho umuntu ofuna ukwenza ukuthunyelwa usevele ebhalisiwe. Uma umuntu onentshisekelo engakabhaliswa, lonke uhlelo lokubhalisa kufanele luqedwe futhi izinyathelo ezizokhonjiswa kufanele zilandelwe uma sekufakwe inketho yokungena.

Thumela i-oda lemali

Lapho umsebenzisi ebhaliswe ngendlela efanele futhi ekwazi ukungena ohlelweni ngeseshini yakhe eqalwe ngokufanelekile, inketho ethi thumela i-oda lemali kufanele itholakale futhi uma isifinyelelwe, kuzovela ifomu lapho kufanele kubekwe yonke imininingwane yomuntu siqu yomamukeli. , futhi iphuzu lokunakwa lapho umyalelo wemali kufanele ufunwe khona, inani eliphelele ozothunyelwa ngalo, inani lemali yokukhokha elizoba futhi uma yonke le datha isisekupheleni ukuze kuvele inketho yokukhokha yokuthumela. Kufanele uqinisekise kahle ukuthi yonke imininingwane ilungile futhi uqhubeke ukhokha nge-PSE.

Kutuswa ukuthi umuntu othumela i-oda lemali agcine ubufakazi bakho konke ukuthengiselana okwenziwayo.

Imisebenzi yemibhalo kazwelonke

Ukuphatha okuyinhloko okungenziwa nge-platform ye-efecty ukuthunyelwa kwama-oda wemali ezingeni likazwelonke, ngokusebenzisa lokhu kuphatha noma yimuphi umuntu unamandla okucubungula ukuthunyelwa kanye nezici zabo zizoshiwo futhi zichazwe ngokufanelekile ku-Naka ngokucophelela lokhu okulandelayo. imigqa:

• Nge-efecty unethuba lokwenza ukuthunyelwa kwe-pesos yaseColombia futhi abemukeli bazokwazi ukufuna imali lapho beyifuna khona, kufanele kuqashelwe ukuthi i-efecty yenza ukuthunyelwa kuyo yonke indawo kazwelonke.
•  Ukuze kwenziwe ukudluliswa kwemali noma ukudluliswa kwezintambo, kokubili umthumeli, okungukuthi, umuntu othumela imali, nomamukeli, okunguye othola imali, kufanele bobabili babhaliswe endaweni yesikhulumi esisebenza kahle. Ukuze uqhubeke nokubhalisa ohlelweni, labo abanentshisekelo bangaya kunoma yimaphi amaphuzu enkonzo yamakhasimende futhi benze ukubhaliswa okufanele, kwenziwa ngokushesha futhi kalula.
• Okusalungiswa noma izinkokhelo zingatholwa yinoma yimuphi umuntu ongokwemvelo oneminyaka engaphezu kwe-14 ubudala futhi obhaliswe ngaphambilini ohlelweni olusebenzayo.
• Ukudluliswa kwemali kungenziwa yizo zombili izinhlangano ezisemthethweni kanye nabantu bemvelo.
• Ngesikhathi kuthunyelwa imali, umuntu othumela inkokhelo kufanele athole irisidi elisebenza njengenkxaso kanye nobufakazi bomyalelo wemali.
• Uma imali isilethiwe, umuntu oyitholayo kufanele athole uxhaso oluzoba ubufakazi bokuthi ilethiwe.

Ungabala kanjani inani lokukhokhela uhlaka lukazwelonke?

Abantu abafuna ukuthumela i-oda lemali ezweni lonke futhi abafuna ukuhlola inani okufanele balikhokhele insizakalo kufanele bazi ukuthi ingosi yewebhu yenkampani, enethuluzi elibizwa ngokuthi i-effecty money order calculator, engafinyelelwa ngokwenza nje. Chofoza lapha Ukuze kubalwe kwenziwe, inani lokudluliswa okufanele kwenziwe kufanele lifakwe futhi izindleko zesevisi zizobalwa ngokuzenzakalelayo, kanye nekhomishini yesevisi eshiwo ngenhla ekhokhiswa i-Efecty kanye nesamba okufanele ikhokhwe ngayo.

Kwenziwa kanjani ukudluliselwa kwamanye amazwe?

Nge-platform ye-efecty, unethuba lokuthumela ama-oda emali yamazwe ngamazwe, kodwa-ke, ukuze wenze ukuthunyelwa okushiwo, izici ezilandelayo kufanele zicatshangelwe:

• Ukuze wenze isimangalo se-oda lemali elithunyelwe ngaphansi kwalesi simiso, kuyadingeka ukuba umamukeli ethule umazisi wakhe ehhovisi aya kulo ukuze enze isicelo sakhe semali esifanele.
• Ukuze wenze izinkokhelo noma ukuthunyelwa kwezimali ngaphansi kwendlela yokuthunyelwa kwezimali kwamanye amazwe, kufanele kukhunjulwe ukuthi zenziwa ngababhalelana basebhange nokuthi kufinyelelwa ngenxa yokusekelwa yizinkampani i-Giros & Finanzas kanye ne-Western Union.

Ngesikhathi sokwenza lokhu kuthengiselana kuyadingeka ukuletha okulandelayo:

• I-MTCN noma Inombolo Yokulawula Ukudluliswa Kwemali. Lena ikhodi yokudlulisa.
• Amagama nezibongo zomuntu owenza ukudluliselwa kwamanye amazwe.
• Izwe noma idolobha okuvela kulo ukudluliselwa kwamanye amazwe.
• Inani le-spin yamazwe ngamazwe.

Ungathintana kanjani nokusalungiswa kwamazwe ngamazwe?

Noma ubani ofuna ukubonisana mayelana nokuthunyelwa kwezimali kwamanye amazwe angakwenza lokho ngokubeka ulwazi oludingekayo kuphothali ye- ngempumelelo, lolo lwazi okufanele unikeze ngalo yilokhu okulandelayo ngakho-ke bhekisisa:

• Inombolo Yokuvula (Ukuhlolwa Kokungena).
• Hlola Idijithi (DV).
• Uhlobo Lwedokhumenti.
• Inombolo yedokhumenti.
• I-Captcha (Bhala izinhlamvu eziyisi-6 ozibona esithombeni).

Amazwe akhawulelwe ukuthi athunyelwe

Kungase kube njalo ukuthi unokungabaza uma kunezwe elivinjelwe ukuthumela, kodwa kufanele kukhulunywe ukuthi okuwukuphela kwezwe elilinganiselwe ukukwazi ukuthumela yiVenezuela njengoba kungathunyelwa kuphela ama-dollar angu-60 ase-US.

Izidingo zokuthumela ama-oda emali yamazwe ngamazwe 

Noma ubani ofuna ukuthumela imali phesheya kufanele anikeze ulwazi olulandelayo ngesikhathi kuthunyelwa i-oda lemali:

• Izwe lapho ithunyelwa khona.
• Bhekana nolwazi lomamukeli kanye nomsebenzi wabo wezomnotho.
• Igama lomamukeli ohlomulayo.

Izidingo zokukhipha imali ethunyelwe phesheya

Ohlomulayo okufanele akhiphe imali ethunyelwe phesheya kufanele alethe imibhalo eyisibopho elandelayo ngesikhathi sokuhoxa futhi kufanele ahlangabezane nezidingo ezithile:

• Okhipha imali kumele kube ngumuntu oseneminyaka esemthethweni.
• Kufanele uveze ikhadi lakho kamazisi ngaphandle kokukhetha
• Uma kuwukuthi umuntu okufanele akhiphe imali usemncane, kufanele abe phakathi kweminyaka eyi-14-17 ubudala,
• Kufanele uthumele umazisi wakho wangempela.
• Endabeni yabantu abangenalo umazisi njengesakhamuzi saseColombia, kufanele balethe ipasipoti yoqobo.

Amakhomishana e-Efecty okuthunyelwa kwamanye amazwe

Amakhomishana okuthunyelwa kwamanye amazwe angase ahluke kuye ngezwe okuthunyelwa kulo noma inani elifanayo, yingakho ezinye izibonelo zokuthi kungenzeka kanjani ukubala izindleko zokuthunyelwa kwamanye amazwe futhi lezo zibonelo yilezi:

• Uma kwenzeka ukuthi othile ufuna ukuthumela imali esuka eColombia eya e-United States ngenani le-100 pesos yaseColombia, lokhu kuthunyelwa kunekhomishini ye-4.90 US dollar futhi lokhu kulingana ne-13.362,15 pesos yaseColombia.
• Ngakolunye uhlangothi, uma umuntu efuna ukuthumela imali esuka eColombia eya e-Argentina futhi inani liyi-100 pesos yase-Argentina, kubiza ama-dollar angu-3.9, okulingana ne-13.362,15 pesos yaseColombia.
• Uma ufuna ukuthumela ukuthunyelwa kusuka e-United States kuya e-Colombia, futhi kungenani lamadola ayi-100, uzoba nekhomishini ye-15,9 US dollars, okulingana ne-53.114,54 pesos yaseColombia.
• Isibonelo sokugcina esingaboniswa ukuthi uma ufuna ukuthumela imali esuka eSpain iye eColombia ngenani lama-euro angu-100, ikhomishana yalokhu kudluliselwa yi-35 yamadola aseMelika futhi lokhu kulingana nenani le-pesos yaseColombia engu-116.918,80.

Izinsizakalo zokukhokha

Ngakolunye uhlangothi, i-efecty iphinde inikeze amaklayenti ayo ase-Colombia izinsizakalo zokuqoqa izinkokhelo okuyizibopho abazozixhasa ngezimali futhi bonke abantu abangaba nazo, lezi zinkokhelo zingaba yilezi ezilandelayo:

• Ukuthengisa okuqondile
• Ukuxhumana
• Imisebenzi yomphakathi
• ubumbano microcredit
• Uhulumeni Wezezimali.

Ukushajwa kabusha, Isevisi esebenzayo

Lolu hlobo lwesevisi luvumela bonke abantu abaxhumene nesevisi yemali ukuthi bakwazi ukukhokhisa kabusha omakhalekhukhwini babo inani elidingekayo, ukuze kuqhutshekwe nokushajwa okushiwo umuntu onentshisekelo yokwenza lo msebenzi kumele axhumane nanoma yimuphi amaphuzu emali azotholakala kuyo yonke indawo kazwelonke, kubalulekile ukugqamisa ukuthi lolu hlobo lwenkonzo luyatholakala kubo bonke opharetha beselula abangaphakathi kweColombia.

E-Effect Abantu

Lolu hlobo lwesevisi luphinde luthole igama lezinkokhelo ze-inthanethi ngesevisi esebenza kahle, futhi lusekelwe kakhulu enkinobho yokukhokha futhi esebenza njengenqola yokuthenga ebonakalayo ngokulandelanayo noma ngamakhasi ewebhu anezivumelwano ezihlukahlukene kanye nezivumelwano nenkundla esebenzayo.

Le sevisi isetshenziselwa ukukhansela imikhiqizo noma usizo olungakhokhwa ku-inthanethi, yingakho kuyinketho yokukhokha ehlinzeka ngokheshi okuthengwa ngayo futhi ikhiqize uhlobo lwephinikhodi olusebenza ukwenza izinkokhelo zemali. kusevisi ehlukile ye-Efecty amaphuzu.

Amaphuzu Okunakwa Ngempumelelo

Ukusebenza inabo bonke abasebenzisi bayo uchungechunge lwamaphuzu okusiza amakhasimende, ukuze ngale ndlela bakwazi ukwenza wonke ama-tractions abawadingayo. Ungathola indawo eqondile yendawo ngayinye yesevisi ngokusebenzisa imephu ozokwazi ukuyibona ngokwenza kuphela. chofoza ngokulandelayo isixhumanisi futhi ngaleyo ndlela uthole indawo yesevisi eseduze

Ngixhumana kanjani nabo?