Zotsatsa
Malamulo Oyendetsera Dziko amatsimikizira Phindu Lopitilira Kuperekedwa (BPC), popereka malipiro ochepera pamwezi kwa anthu olumala kapena okalamba opanda zinthu zowathandiza kudzithandiza kapena kuthandizidwa ndi banja.
Kuti muyenerere BPC, muyenera kukwaniritsa zofunikira zotsatirazi:
- Kukhala wolumala kapena kukhala ndi zaka 65 kapena kuposerapo;
- Kukhala ndi ndalama za munthu aliyense m’banja zosakwana gawo limodzi mwa anayi la malipiro ochepera omwe alipo panopa;
- Kulembetsedwa mu Cadastro Único ya Mapulogalamu Othandiza Anthu a Boma la Federal (CadÚnico);
- Kukhala ndi Nambala Yozindikiritsa Anthu (NIS).
Ngati mukukwaniritsa zofunikira zomwe zili pamwambazi ndipo mukufuna BPC, onani zomwe zili m’ndandanda yathu yonse ndipo phunzirani momwe mungapemphere komanso zikalata zofunika.
Malangizo opempherera BPC
Werenganinso: Opindula ndi BPC akukondwerera kuwonjezedwa kwa ndalama kolengezedwa ndi INSS; kupambana kwakukulu kwa omwe ali ndi phinduli
Kupempha BPC kungakhale njira yosavuta yopanda zovuta za utsogoleri. Ntchito yonse ikhoza kuchitika pa intaneti, zomwe zimathandiza ogwiritsa ntchito. Onani masitepe otsatirawa:
- Choyamba, pitani patsamba la intaneti kapena pulogalamu ya Meu INSS ndipo lembani akaunti yanu kapena lowani;
- Patsamba loyambira, sankhani “Kusungitsa/Nzofunsira”, kenako “Pempho latsopano”;
- Lembani “BPC” pamalo osakira ndikusankha “Phindu lothandizira munthu wolumala” kapena “Phindu lothandizira munthu wachikulire”, malinga ndi momwe mulili;
- Lembani zambiri zomwe zapemphedwa ndikuphatikiza zikalata zofunika;
- Yang’anani zambiri ndikutsiriza pempholo;
- Tsatirani momwe pempho lanu lilili kudzera pa Meu INSS kapena nambala 135.
Zikalata zofunika popereka pempho
Musanapemphe BPC, ndikofunikira kukonza zikalata zonse zofunika pa ntchitoyi. Mukakhala ndi zikalata zonse, zimakhala zosavuta kuti phindu livomerezedwe. Onani:
- Chikalata chovomerezeka chodziwikiratu chokhala ndi chithunzi ndi CPF ya wopemphayo;
- Zikalata za achibale;
- Umboni waposachedwa wa komwe mumakhala;
- Lipoti la dokotala lotsimikizira kulumala, ngati kuli kofunikira;
- Chikalata cha ndalama za banja, ngati palibe umboni wovomerezeka;
- Zikalata zina zosonyeza kuti banjalo lili pa chiopsezo cha mavuto a chikhalidwe.
Kumbukirani kuti zikalata ziyenera kukhala zomveka, zopanda zopukuta kapena zidutswa. Ziyeneranso kutumizidwa mu mawonekedwe a PDF, PNG kapena JPG, chilichonse chosapitirira 5 MB.
Opindula za BPC atha kupeza ngongole yobwezeredwa podulidwa pa malipiro
BPC imatsimikizira malipiro ochepera pamwezi kwa okalamba ndi anthu olumala omwe sangathe kudzisamalira. Kuphatikiza pa phindu la pamwezi, wolandira phinduli atha kupeza ngongole yosavuta kudzera mu ngongole yobwezeredwa podulidwa pa malipiro.
Ngongole ya BPC ndi mtundu wa ngongole yaumwini wotsimikiziridwa ndi phindu lothandizira. Izi zikutanthauza kuti banki ili ndi chitsimikizo cholandira malipiro a magawowo, chifukwa amachotsedwa zokha pa ndalama za phindu la pamwezi.
Choncho, chifukwa cha chitsimikizochi, ngongole ya BPC ili ndi ubwino wina poyerekeza ndi mitundu ina ya ngongole, monga:
- Chiwongola dzanja chochepa;
- Nthawi yayitali yobwezera;
- Kuvomerezedwa mosavuta;
- Palibe kufufuza ku SPC kapena Serasa.
Malinga ndi malamulo, opindula ndi BPC atha kukhala ndi malire a 35% a ndalama zomwe zingadulidwe, 30% za ngongole ndi 5% za kirediti kadi yobwezeredwa podulidwa pa malipiro. Kuphatikiza apo, ndizotheka kugawa ndalamazo mpaka magawo 84 pochotsa pa malipiro.
Werenganinso: Dziwani zonse zokhudza Valores a Receber
Kuti munthu akhale woyenerera, wolandira ayenera kukhala akulandira phindu kwa masiku opitirira 90 ndipo asakhale ndi ngongole kapena nkhani za ndalama pa CPF. Kuphatikiza apo, pempho liyenera kuperekedwa ku banki yomwe imapereka ntchitoyi kwa gulu lapaderali
