Hlola isitatimende sakho se-akhawunti ye-Crediamigo Mexico

Kulokhu okuthunyelwe sizokufundisa ukuthi ungaqinisekisa kanjani isimo se-akhawunti ye-Crediamigo eMexico futhi ngale ndlela ungakwazi ukwazi, ngaphezu kwakho konke ukunyakaza okwenziwe nge-akhawunti, ibhalansi etholakalayo kuyo, thola konke lokhu lapha nokunye okuningi. qhubeka ufunda .

Isimo se-akhawunti ye-Crediamigo

Umlando we-Crediamigo uhlehlela emuva ku-2003 futhi ukwazile ukuzibeka phakathi kwezindawo zokuqala ebhizinisini lezikweletu, igqame emakethe ngezinkokhelo zayo eziyisici ezehliswa ngokubhaliswa kwabo bonke labo basebenzi bakahulumeni waseMexico abanezikweletu ezithile. nesikhungo samabhange. Ibhizinisi lineminyaka engaphezu kwe-17 emkhakheni webhizinisi lesikweletu futhi linama-ejensi angaphezu kwama-35 ahlelwe kuyo yonke indawo kazwelonke ukuze akwazi ukuhlangabezana nezidingo zabo bonke abasebenzisi abalidingayo.

I-Credoamigo ibuswa ngokuyinhloko imithethonqubo esungulwe yi-CONDUSEF (Ikhomishini Kazwelonke Yokuvikela Nokuvikela Abasebenzisi Bezinsizakalo Zezezimali) kodwa kufanele futhi kuqashelwe ukuthi iyingxenye ye-ASOFOM (Inhlangano Yezinkampani Zezezimali Ezizinjongo Eziningi eMexico). Ngakolunye uhlangothi, kufanele kukhulunywe ukuthi le nhlangano yezezimali ingabasunguli namalungu e-(Mexican Association of Payroll Companies) i-crediamigo igxile ekuhlinzekeni ukuphepha kuwo wonke amakhasimende ayo.

I-Crediamigo ihlale izibophezele ekuhlangabezaneni nezidingo zawo wonke amakhasimende ayo futhi yingakho isebenza nsuku zonke ukuze inikeze usizo olungcono kakhulu, inhloso yayo enkulu iwukunikeza abasebenzi bakahulumeni indawo abangaya kuyo ukuze bafune ukwesekwa abaludingayo ukuze bathobele konke. amaphupho akho.

Kufanele kuqashelwe ukuthi yinkampani yezezimali enezivumelwano nemikhakha ehlukahlukene kahulumeni waseMexico yokuhlinzeka ngezinketho ezingcono kakhulu zesixazululo kubo bonke labo basebenzi abayidingayo ezindaweni ezinjengalezi ezilandelayo:

• Kwabahola impesheni nabathathe umhlalaphansi besuka ku-ISSSTE (Isikhungo Sezokuphepha Nezinsizakalo Zezenhlalakahle Sabasebenzi Bakahulumeni) noma i-IMSS (i-Mexican Institute of Social Security).
• Kuwo wonke umkhakha kahulumeni.
• Futhi nge-PEMEX kanye nomkhakha wamandla.
• Umkhakha wezempilo.
• Futhi ekugcineni umkhakha wezemfundo.

Manje, uma usuvele ungumzuzi kwelinye lamakhredithi anikezwe isikhungo futhi unentshisekelo yokuthintana nesitatimende se-akhawunti ukuze wazi yonke imininingwane ephathelene nekhredithi eshiwoyo, ngendlela enemininingwane nefingqiwe yonke imininingwane ephathelene nekhredithi eshiwoyo, ngaphezu kokwazi ngayinye yazo. ukunyakaza nokusebenza okwenziwa umnikazi we-akhawunti, sizofunda ngokushesha mayelana nezinyathelo okufanele zilandelwe ukuze kuboniswane nesitatimende se-akhawunti.

Ukuze wenze isicelo

Ukwazi i ibhalansi yesikweletu Kufanele ubheke isitatimende se-akhawunti futhi ngenxa yalokhu kuyadingeka ukuthi ufake ingosi yewebhu yenkampani, ufinyelele inketho yesevisi yamakhasimende futhi ulandele izinyathelo ezidingekayo ukuze uhlole idokhumenti yezezimali edingekayo. Ngakolunye uhlangothi, kubalulekile ukusho ukuthi ngokushayela inombolo yocingo ethi 01 800 062 6446 mahhala ngokuphelele bese ucindezela inketho yokuqala (1) uzokwazi ukubonana nesitatimende se-akhawunti ngocingo. Kufanele kukhunjulwe ukuthi le nkonzo Amakhasimende e-Crediamigos itholakala kuwo wonke amaklayenti kusukela ngoMsombuluko kuya kuLwesihlanu, kusukela ngo-8:00 ekuseni kuya ku-7:00 ebusuku

Uma kunjalo ukuthi unanoma yiluphi uhlobo lwesimangalo noma ukungabaza mayelana nanoma yikuphi ukusebenza kwakho noma imikhiqizo nebhizinisi, ungathintana nabo ngekhasi le-Facebook elisemthethweni @CrediamigoMexicocontacto. Manje sesizokwazi imiyalelo okufanele ilandelwe ukwenza umbuzo ngephothali yebhizinisi lasebhange futhi yilena:

• Uma usufinyelele ku- Iwebhusayithi yeCrediamigo Kufanele uchofoze inketho yesevisi yamakhasimende ozoyithola kumenyu enkulu yesistimu.
• Uma usufake inketho yesevisi yamakhasimende, uzokwazi ukucela isitatimende se-akhawunti ye-Crediamigo.
• Ngokuzenzakalelayo uzokwazi ukubona isitatimende se-akhawunti esikhiqizwe isistimu esibonisa lonke ulwazi oluhlobene nekhredithi enikezwe ngemali yakho.

Izitatimende zama-akhawunti ziyimibhalo yezezimali ewusizo kakhulu ukugcina ukulawula okuhle kwezimali futhi ngale ndlela ukwazi ukugcina ukuhleleka okuphelele kwezindleko, ukusetshenziswa nokuthenga okwenziwe ngebhalansi ye-Crediamigo, ngakolunye. ngesandla Lo mbhalo usebenza njengemfuneko kwezinye izinqubo zezikweletu ezinkampanini zamabhange noma izinkampani zezinkampani zangaphandle.

Izimali kanye nokubolekwa kwe-Crediamigo

Phakathi kwezinsizakalo eziyinhloko ezihlinzekwa yi-Crediamigo ukunikeza uxhaso lwezimali namakhredithi, kubo uchungechunge lwezidingo okufanele kuhlangatshezwane nalo ukuze kuvunywe, ikhredithi ngayinye noma ukuxhaswa ngezimali kwenkampani kuletha izinzuzo kanye nokubi. Manje sesizokwazi kabanzi ngezidingo okumele zethulwe:

Amadokhumenti adingekayo ukuze uthole imali

Bonke labo abafuna ukuthola uxhaso lwezimali eCrediamigo kumele balethe uchungechunge lwemibhalo esizoyichaza ngemininingwane emigqeni elandelayo, silalelisise:

• Okokuqala kufanele kurekhodwe isicelo sesikweletu okufanele silethwe ngesikhathi umphathi webhange esiza kuwe, ngaphakathi kwesicelo esilethwayo kufanele sibonise yonke imininingwane edingekayo lapho ngaphezu kwesiginesha yomfakisicelo okukhulunywa ngaye.
• Veza irisidi lekheli okufanele lisebenze, elokuqala kanye nekhophi yalo kumele kukhishwe, ubufakazi bekheli elilethiweyo kufanele busuke ku-; ugesi, amanzi, igesi noma ucingo olungaguquki kubalulekile ukukhumbula ukuthi kuwumbhalo obalulekile okufanele ulethwe.
• Amarisidi okugcina ama-payroll ama-2 kufanele anikezwe lapho imali engenayo ngayinye etholwe ngumfakisicelo ingaqinisekiswa, okwangempela kanye nekhophi yale risiti kufanele kulethwe.
• Layisha okwangempela kanye nekhophi kamazisi enesithombe okufanele sisebenze futhi sibe sesimweni esihle ngokulandelana.

Mayelana nesamba sezindleko zonyaka (CAT), kufanele kuqashelwe ukuthi okufanayo eCrediamogo igqama ngokuba njalo ephansi uma uyiqhathanisa nezinye izikhungo zezimali esizweni, isuka ku-67.6% lapha, i-VAT ayisebenzi. ngenhloso eyodwa yokuthi labo abathola uxhaso bangonge. Kufanele kuqashelwe ukuthi inani ngalinye elikhiqizwe yi-akhawunti kanye nawo wonke amakhomishini wonyaka azohlala ezuzwa ngamabhonasi ku-akhawunti yakho.

Amakhredithi

Sizokwazi ngezansi kwekhredithi ngayinye enikezwa yisikhungo izochazwa ngokuningiliziwe ngendlela enemininingwane eminingi ngangokunokwenzeka, ukuze labo bantu abadinga ukuyithola bazi izici ezifanayo kanye nemibhalo okudingeka banikezwe yona. :

 Isikweletu sabasebenzi bakahulumeni

Abasebenzi bakahulumeni bangakwazi ukufeza inhloso yabo ngayinye ngokuphepha nangokucacile, ngenxa yalesi sizathu i-Crediamigo iyazi ukuthi kubaluleke kangakanani ukuthi wonke umuntu akwazi ukuthola imali ebolekiwe engaka futhi ngaleyo ndlela abe nekhono lokuxazulula noma yikuphi ukuphazamiseka okungase kuvele futhi okungase kuveze nokuthi lokho kungase kubangele ukuthi wonke umuntu akwazi ukuthola imali ebolekiwe. izimali zakho azilinyazwa.

Izici zekhredithi 

• Ibonakala ngokuba ikhredithi elula.
• Lolu hlobo lwekhredithi lunikezwa ngenani lama-pesos angu-2.000.
• Ubude besikhathi sisukela ezinyangeni eziyi-12 kuye kwezingama-60.
• Izitolimende zalesi sikweletu kufanele zikhokhwe ngendlela; nyanga zonke, kabili, kabili ngeviki noma ngeviki.
• Inenani lenzalo elingaguquki.
• Izimali ezikhokhwayo zidonswa kumqulu wokuhola ngokwendlela yokukhokha eshiwo ngumfakisicelo ngesikhathi ethola isikweletu.
• Imali eyamukelwayo ukwenza izinkokhelo i-peso yase-Mexico.
• Lesi sikweletu sisebenza ezweni lonke.
• Ungayithola ngesheke nereferensi ehhovisi lebhokisi lasebhange kanye nekhredithi ku-akhawunti yakho.
• Asikho isiqinisekiso esidingekayo ukuze uthole isikweletu.

Izidingo ezidingekayo ukuze uthole ikhredithi yilezi ezilandelayo:

• Yethula umazisi osemthethweni obuyekeziwe.
• Thola Ikhodi Yokubhaliswa Kwabantu Abahlukile (CURP).
• Thumela ubufakazi bekheli (isiliphu sikagesi, amanzi, ucingo olungaguquki noma igesi).
• Thumela amarisidi okugcina okuhola amabili (2).

Imfuneko ngayinye eshiwo ephuzwini langaphambilini ibalulekile ukuze uthole isikweletu, kodwa kubalulekile futhi ukuba yisisebenzi esikhuthele esikhungweni sikahulumeni, noma uthathe umhlalaphansi noma uhola impesheni kubantu abathile.

 Ikhredithi Yendabuko

Lolu hlobo lwesikweletu olomuntu siqu kakhulu olunganikezwa yibhange futhi olubonakala ngokusheshisa nangempumelelo lapho likhipha imali futhi into engcono kakhulu ngalokhu ukuthi alukho uhlobo lomlamuli oludingekayo, ngalesi sikweletu Ungakwazi ukukhokhela izindleko zokufunda, lungisa noma ukhulise izindlu, ukhokhele izindleko zezokwelapha, khansela izindleko zosuku lokuzalwa futhi uvikele izibopho zakho zokukhokha ngokujwayelekile.

Ukuze ufake isicelo salolu hlobo lwekhredithi, izidingo ezilandelayo kufanele zethulwe, ezizochazwa kabanzi:

• Kubalulekile ukuba yisisebenzi kwesinye sezikhungo zikahulumeni wezwe le nhlangano yasebhange enohlobo oluthile lwezivumelwano ezisunguliwe nokuthi nazo ziyasebenza.
• Ukuze ube ohlomulayo kulesi sikweletu, kufanele uhlanganyele nenye yezinyunyana ezithenjwayo noma eziyisisekelo zabasebenzi bakahulumeni.
• Uma uyisisebenzi seNational Union of Education Workers (SNTE) ukuze ufake isicelo salolu hlobo lwekhredithi, kufanele ube neminyaka yobudala eyi-18 kanti ubuncane bayo buyiminyaka engama-64 nezinyanga eziyi-11.
• Uma ungumsebenzi wanoma yimuphi umasipala, ngesicelo sesikweletu, kufanele okungenani ube neminyaka engama-25 ubudala uze ufike ezinyangeni ezingama-61 neziyi-11, ngokulandelana.
• Kufanele kuqashelwe ukuthi kufanele ube nesikhundla esiphakeme emsebenzini phakathi kwezinyanga eziyisithupha (6) nonyaka owodwa.
• Mayelana nekhono lokukhokha, kufanele ube neholo elikahle, okungukuthi, ongakhokha ngalo zonke izibopho zokukhokha ezitholwe ngesikhathi ikhredithi inikezwa.
• Ukugunyazwa kufanele kusayinwe ngesikhathi kwenziwa ukugunyazwa kwesicelo sesikweletu, ukuze ngale ndlela zonke izaphulelo zezitolimende zokukhokha zenziwe nge-payroll yesisebenzi ngendlela ephephile nethembekile kubo bobabili umuntu ocela okufanayo. mayelana nesikhungo sezezimali.

 Credit Life umngane

I-Crediamigo igqama ngokuba yibhizinisi lezezimali elizaziyo izidingo zekhasimende ngalinye futhi yingakho kubalulekile ukuba nekhredithi evumelana nezimfuneko zabo nokuthi ngale ndlela bakwazi ukuxazulula zonke izinkinga ezingase zilandele. Ngokuvamile, lolu hlobo lwekhredithi lunikeza ithuba lokufinyelela imigomo emikhulu ngendlela ephephile necacile, lokhu kusho ukuthi igqama ngokuba inkampani enokulawula okukhulu futhi edala ukuzethemba okukhulu.

Kumele kuqashelwe ukuthi lezi zikweletu zihloswe kubo bonke labo bantu asebevele bathatha umhlalaphansi noma abahola impesheni ngohlelo lweMexican Social Security Institute (IMSS), kufanele kuqashelwe ukuthi isicelo esilula kakhulu futhi esisheshayo ukwenza.

I-Crediamigo inikezela ngama-peso afinyelela kwangu-$2.000 ngaphansi kwamahora angu-12 uma uyidinga, kufanele ube isisebenzi sikahulumeni kuphela noma, uma kufanele, uthathe umhlalaphansi noma impesheni nokuthi inkampani osebenza kuyo noma osebenza kuyo inesivumelwano nenkampani. Yingakho uma uludinga, ungashayela ku-01 8000 626 446 noma uvakashele iwebhusayithi yebhizinisi ukuze uthole ulwazi olwengeziwe.

I-Refinance

Ukuxhaswa kabusha kwamakhredithi anikezwa abantu abanezibopho zokukhokha kunoma yiziphi izinhlangano zezezimali, kufanelekile njengoba besebenza njengesiteshi esizoxhaswa futhi ngaleyo ndlela bakwazi ukuwafaka ku-Crediamigo, kufanele kuqashelwe ukuthi uxhaso lwezimali lwesikweletu lunezimo ezifanele maqondana ne-Crediamigo. indlela kanye nesikhathi sokukhokha futhi kulokho okuhlobene nenani lenzalo kubhekwa isimo somnotho somnikazi.

Ngesikhathi sokuqala inqubo yokufaka isicelo sokuthola i-Crediamigo refinancing futhi wathi inqubo ingenziwa ngokumane ushayele inombolo ezokhonjiswa ngezansi:

• Ifoni ye-Crediamigo: 01 ​​800 062 6446

Uma ushaya ucingo, bazokunikeza lonke ulwazi okufanele ulukhumbule, ngaphezu kokukhombisa zonke izidingo kanye namadokhumenti adingekayo ukuze uthunyelwe ukuze uqedele yonke inqubo yokukhokha kabusha. Ngemuva kokwenza konke okudingekayo ukuze ukwazi ukuthola uxhaso lwezimali zezikweletu futhi umelane nazo zonke izibopho zomnotho osalindile. Ngaphezu kwalokho, ungasebenzisa ithuba lokusebenzisa imali esele evela ku-refinance ukutshala kunoma yini enye oyifunayo.

Ngakolunye uhlangothi, ngale nombolo yokuxhumana efanayo ekhonjiswe emigqeni edlule, ungasusa noma yikuphi ukungabaza noma ukukhathazeka okungenzeka ube nakho mayelana nalo lonke uhlelo ozolwenza lapho uxhumana nenkampani, ungacela konke. ulwazi oludingayo mayelana namakhredithi anikeziwe kanye nokuxhaswa ngezimali kabusha.

Enye indlela yokususa ukungabaza kwakho ukufaka ingosi yewebhu yenkampani futhi ngale ndlela uthulule ngendlela ebonisa uhlelo yonke idatha eceliwe ngaphezu kokuchaza kahle yonke into oyidingayo ukuze uyicacise noma uyisuse, uzokwenza. ukwazi ukubona ekugcineni kwewebhusayithi inkinobho ethi "cela ikhredithi yakho" kule nketho ama-ejenti wesevisi yamakhasimende aqokwe inkampani azoxhumana nawe ukuze akuqondise kukho konke odinga ukukwazi.

Amanani namanani

Mayelana nenani lemali i-Crediamigo eyenza itholakale kuwo wonke amakhasimende ayo, imali enkulu iyatholakala ukuze kukhokhelwe izikweletu, njengenani elincane lama-peso angu-$2000 kanye nama-peso afika ku-$200.000 ngokulandelana. inzuzo yalezi zikweletu.

Imali enikezwayo lapho kukhishwa isikweletu yenziwa ngemali kazwelonke, okungukuthi, nge-pesos yaseMexico futhi inzuzo enkulu okufanele igqanyiswe ukuthi iyinqubo eshesha kakhulu futhi elula yokwenza futhi inesikhathi esincane sokulethwa se-24. amahora kusukela ngesikhathi lowo ohlomula enza isicelo sekhredithi eshiwoyo kanye nokuthi zonke izidingo ezidingekayo zokunikezwa zilethiwe. E-Crediamigo, yonke inqubo yesicelo sekhredithi yenziwa mahhala ngokuphelele futhi, ngaphezu kwalokho, alukho uhlobo lwediphozi okufanele lwenziwe ukuze kuvulwe ikhredithi.

Uma lesi sihloko sibheka isitatimende se-akhawunti yakho ye-Crediamigo Mexico. Uma ukuthole kuthakasela, qiniseka ukuthi ufunda okulandelayo, okungahle kube ngendlela othanda ngayo:

• IZZI akhawunti isimo: imibuzo esheshayo engiyitholayo, nokuningi
• hlola eyakho Isitatimende se-Akhawunti Yokubambisana ye-Bolognesi
• Hlola eyakho Izitatimende Ze-akhawunti Yekhadi Lezitayela
• Vula eyodwa I-akhawunti ye-dollar ku-BOD Venezuela