Zotsatsa
Fund ya Chitsimikizo cha Nthawi ya Ntchito (FGTS) ndi ndalama zosungira zofunika kwambiri kwa ogwira ntchito ambiri aku Brazil. Kaya ndi pa nthawi ya zosowa kapena pofuna kukwaniritsa maloto, kudziwa momwe mungatenge FGTS ndikofunikira. Njira yotengera FGTS yakhala yosavuta m’zaka zapitazi, zomwe zapangitsa kuti ogwira ntchito athe kupeza ndalama zawo mosavuta.
FGTS ingatengedwe pa zochitika zosiyanasiyana, monga kuchotsedwa ntchito popanda chifukwa chovomerezeka, kugula nyumba yanu, kupuma pantchito, matenda oopsa kapena ngozi zazikulu za anthu, ndi zina. Pa chochitika chilichonse, pali malamulo apadera omwe ayenera kutsatiridwa. Kuphatikiza apo, Caixa Econômica Federal, yomwe ndi woyendetsa wa FGTS, imapereka njira zothandizira ndi mapulatifomu apaintaneti kuti athandize kupeza zidziwitso ndi kutsatira njira zotengera ndalama.
Zotsatsa
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Njira zotengera FGTS
Kuti mutenge FGTS, chinthu choyamba ndi kutsimikizira ngati mukukwaniritsa zofunikira zoyenerera kutenga ndalamazo pa zochitika zomwe mukufuna. Mukatsimikizira kuti ndinu woyenerera, muyenera kusonkhanitsa zikalata zofunika. Zikalatazo zimasiyana malinga ndi chifukwa chotengera ndalamazo, koma nthawi zambiri zimaphatikizapo chizindikiritso cha munthu, buku la ntchito, nambala ya PIS/PASEP ndipo, nthawi zina, zikalata zotsimikizira zochitikazo zomwe zikupereka chifukwa chotengera ndalamazo (monga malipoti a madokotala kapena chikalata cholengeza za tsoka lalikulu la anthu).
Mukakhala ndi zikalata zonse, chinthu chotsatira ndi kusankha njira yotengera ndalamazo. Caixa imapereka njira zingapo, kuphatikizapo kutenga ndalama kumaofesi, kuma ATM, kusamutsira ku maakaunti a mabanki ena, ndi zina. Choncho, pa mitundu ina ya kutenga ndalama, n’zotheka kuyambitsa ntchitoyi kudzera mu pulogalamu ya FGTS kapena patsamba la Caixa, zomwe zingathandize kuti ndondomekoyi ikhale yosavuta komanso yachangu.
Malangizo oti mutenge ndalamazo popanda zovuta
Kuti muwonetsetse kuti kuchotsa ndalama za FGTS kuchitike bwino komanso popanda zodabwitsa, ndikofunika kutsatira malangizo angapo. Choyamba, sungani zambiri zanu zolembetsedwa kukhala zosinthidwa ku Caixa. Izi zikuphatikizapo adilesi, nambala yolumikizirana nayo komanso zambiri za banki. Kukhala ndi zambiri zolondola m’dongosolo kumapewa kuchedwa ndi mavuto mukalandira ndalama zonse.
Komanso, musanapite ku nthambi ya Caixa kukachotsa ndalama, onetsetsani kuti muli ndi zikalata zonse zofunika komanso kuti zikadali zovomerezeka. Zikalata zomwe nthawi yake yatha kapena zomwe zikusowa zingachedwetse ntchitoyi. Choncho, ndibwinonso kuyang’ana nthawi zogwirira ntchito. Izi zili choncho chifukwa nthawi zomwe nthambi zimakhala ndi anthu ambiri ndi nthawi yabwino kwambiri yochotsera ndalama.
Pomaliza, gwiritsani ntchito zipangizo za digito zoperekedwa ndi Caixa. O pulogalamu ya FGTS ndi tsamba la bungweli zimapereka ntchito zosiyanasiyana zomwe zingathandize kuti njira yochotsera ndalama ikhale yosavuta, monga kuyang’ana ndalama zomwe zilipo, kupempha kuchotsa ndalama komanso kutsatira momwe ntchito zikuyendera. Choncho, kugwiritsa ntchito zipangizozi za digito kungapulumutse nthawi komanso kupereka mwayi wokulirapo.
Kutulutsa ndalama za FGTS ndi ufulu wofunikira wa antchito aku Brazil, ndipo kumvetsetsa momwe mungapezere ndalamazi n’kofunika kwambiri. Choncho, potsatira njira zolondola komanso kusamala malangizo othandiza kuti ntchitoyi ikhale yosavuta, mutha kutulutsa ndalama mwachangu komanso popanda mavuto.
