Izibhengezo
Ukuba negama elirekhodiweyo kakubi kunokudala izithintelo ezininzi zemali kubantu, kodwa ngaba imali-mboleko ebanjwa ngqo emvuzweni nayo ikolu luhlu? Funda ngakumbi!
Iibhanki zibonelela ngemali-mboleko ebanwa ngqo emvuzweni kubantu abadla umhlala-phantsi, abafumana ipenshini nakubasebenzi bakarhulumente, ngamazinga enzala afikelelekayo ngakumbi xa kuthelekiswa nezinye iindlela. Kodwa kwenzeka ntoni xa umntu okweli qela enegama elirekhodiweyo kakubi?
Okokuqala, kubalulekile ukugxininisa ukuba olu hlobo lwemali-mboleko luphawulwa ngokutsalwa kwemali ngqo emvuzweni, ngoko ke, imingcipheko yokungahlawuli iphantsi kakhulu. Ngenxa yoko, amanye amaziko emali ayayivumela le nkonzo kubantu abanembali embi yetyala.
Imali-mboleko ebanwa ngqo emvuzweni igqama njengenye yeendlela ezithandekayo kuba umthetho umisela ukuba izinga lenzala alinokudlula kwi-1,97% ngenyanga kubantu abadla umhlala-phantsi nakubafumana ipenshini. Nangona kunjalo, ukuze ufumane le mali-mboleko, kufuneka ube nomda okhoyo wokutsalwa emvuzweni. Qonda ukuba yintoni na nokuba ungawufumana njani.
Yintoni umda wokutsalwa emvuzweni wemali-mboleko ebanwa ngqo emvuzweni?
Funda kwakhona: I-Real Digital: Oorhulumente bavavanya utshintsho kwiintlawulo zezibonelelo. Qonda!
Ngokusisiseko, umda wokutsalwa ngqo emvuzweni sisilingi esimisela elona xabiso liphezulu lomvuzo womthengi elinokwabelwa izavenge. Ngokubanzi, le pesenti yi-30%, apho i-30% isetyenziselwa iintlawulo zeemali-mboleko, ize i-5% isetyenziselwe amatyala ekhadi letyala elitsalwa ngqo emvuzweni.
Nangona kunjalo, kwimeko yabasebenzi bakarhulumente, lo mda unokuba phezulu ngokuxhomekeke kwinqanaba – likazwelonke, lephondo okanye likamasipala –, njengoko kunjalo kubasebenzi besixeko saseRio de Janeiro. Eli qela labasebenzi linomda wama-55% wokutsalwa ngqo emvuzweni.
Ukongeza, usodolophu wesixeko, uEduardo Paes, unqwenela ukongeza i-5% kulo mda. Injongo kukuvumela abasebenzi bakhe ukuba bafikelele kwiimali-mboleko ezinkulu ngakumbi, bexhamla kwinzala ephantsi.
Ungasicela njani isikweletu esitsalwa ngqo emvuzweni?
Funda kwakhona: Bolsa Família: Iinketho ezintsha zemboleko ziyafumaneka ngeCaixa Tem
Okokuqala, kuyimfuneko ukuqinisekisa ukuba ibhanki yakho iyabonelela ngale nkonzo kubantu abanemiqathango kwigama labo. Khumbula ukuhlala usebenzisa amajelo onxibelelwano asemthethweni eebhanki, kuba zininzi iinkohliso ezibandakanya ezi ntlobo zeenkonzo.
Ngokuqhelekileyo, ibhanki iya kucela amaxwebhu athile, afana ne-RG, CPF, ubungqina bendawo yokuhlala, isiliphu somvuzo, isibhengezo seRhafu yeNgeniso (IR), ingxelo yesibonelelo yeZiko leSizwe le-Inshorensi yezeNtlalo (INSS) – ukuba kuyasebenza –, phakathi kwezinye.
Emva koko, kuya kwenziwa uhlalutyo kwaye uya kufumana izikhokelo malunga nesivumelwano semali-mboleko. Kwiintsuku ezimbalwa, imali iya kufakwa kwiakhawunti yakho ize itsalwe ngokuzenzekelayo, ngokokumiselwe kwisivumelwano.
Iibhanki ezili-10 kunye neefintech ezibonelela ngemali-mboleko etsalwa emvuzweni kubantu abanegama elibi
- Meutudo;
- Agibank;
- Banco Bari;
- Banco BMG;
- Bradesco;
- Itaú;
- Mercantil;
- Banco Safra;
- BRB Financeira;
- Caixa Econômica Federal;
- Banco do Brasil.
