Izibhengezo
Ngaba unamatyala angekahlawulwa kwibhanki i-Itaú? Cofa apha ukuze ufunde icebiso elinokukunceda unciphise isixa setyala lakho!
Ukwabela inxalenye yohlahlo-lwabiwo mali ukuhlawula amatyala kunokuchaphazela iimali zosapho, ngakumbi xa kuqwalaselwa izibophelelo zexesha elide, ezifana neenkxaso-mali zokuthenga izindlu. Kwiimeko ezinjalo, abathengi be-Itaú kunye namanye amaziko ezemali banokusebenzisa icebiso lokunciphisa amatyala abo.
Rhoqo ngenyanga, abasebenzi banikela ngemali kwiNgxowa-mali yesiQinisekiso seXesha lokuSebenza (FGTS). Nangona kunjalo, bakhupha le mali kuphela kwiimeko ezithile. Njengaxa begxothwa ngaphandle kwesizathu esivakalayo, xa bethatha umhlala-phantsi okanye xa bethenga indlu.
Ngaloo ndlela, abasebenzi banokusebenzisa esi sixa ukwenza intlawulo yokuqala yendlu entsha. Nangona kunjalo, abaninzi abazi ukuba le mali inokunciphisa okanye ihlawule inxalenye yetyala lenkxaso-mali yokuthenga indlu. Ngoko ke, le iba yenye indlela exabisekileyo kwabo banqwenela ukunciphisa ibhalansi yetyala labo e-Itaú. Fumanisa ngakumbi!
Indlela yokusebenzisa i-FGTS ekuhlawuleni inkxaso-mali mboleko ye-Itaú?
Funda kwakhona: Funda yonke into malunga neValores a Receber
Abo basayine izivumelwano zenkxaso-mali yezindlu ne-Itaú okanye nezinye iibhanki banokusebenzisa ibhalansi ye-FGTS ngeendlela ezi-3:
- Ukuqalisa inkxaso-mali mboleko;
- Ukunciphisa/ukuhlawula ngokupheleleyo ityala;
- Ukuhlawula inxalenye yemali yezavenge.
Kwimeko yokuqala, umnini-akhawunti usebenzisa ibhalansi njengentlawulo yokuqala, ngaloo ndlela ehlangabezana neemeko zenkxaso-mali mboleko ye-Itaú. Kweyesibini, umqeshwa usebenzisa i-FGTS ukunciphisa inxalenye yemboleko okanye ahlawule ngokupheleleyo inkxaso-mali mboleko.
Kukhetho lokugqibela, umntu usebenzisa le mali ukunciphisa ukuya kuthi ga kuma-80% exabiso lilonke lezavenge, kangangeenyanga ezili-12. Ngoko ke, imali ekufuneka ihlawulwe iyehla unyaka omnye.
Iimeko
Funda kwakhona: I-Real Digital: Oorhulumente bavavanya utshintsho kwiintlawulo zezibonelelo. Qonda!
Kwi-Itaú bank, umnini-akhawunti kufuneka ahlangabezane neemeko ezithile ukuze asebenzise ibhalansi ye-FGTS. Phakathi kwazo, ezi zilandelayo ziyabalasela:
- Ukwenza intlawulo ngexesha elimiselweyo;
- Umnini-akhawunti kunye nomnini wenkxaso-mali mboleko kufuneka babe ngumntu omnye;
- Kuyimfuneko ukuba ubuncinane kube neminyaka emi-3 yeminikelo kwi-FGTS;
- Kusebenza kuphela kwizindlu zokuhlala;
- Umntu akanakuba nenye imali-mboleko yezindlu, nokuba ise-Itaú okanye nakweliphi na elinye iziko.
