Izibhengezo
Kuqalisa iNkqubo iDesenrola Brasil yokuxoxisana ngokutsha ngamatyala
Ukuqala ngoMvulo(17), iSebe lezeMali ligunyazisa amaziko emali agunyaziswe yiBhanki Ephakathi (BC) ukuba aqalise ukuxoxisana ngokutsha ngamatyala ngaphakathi kweNkqubo kaNgxamiseko yokuXoxisana ngokutsha ngamatyala. I-Diário Oficial da União ipapashe uMmiselo, yaye inqanaba 2 lenkqubo, elijolise kubantu abanomvuzo wenyanga ophakathi kwemivuzo emibini esisiseko (R$2.640) ukuya kutsho kwi-R$ 20 mil, lilo elijolise kulo eli nqanaba.
Esi sibhengezo sibonisa ukuba le nkqubo iza kuxhamlisa abantu baseBrazil abangaphezu kwezigidi ezingama-70 abanamatyala. ULuiz Inácio Lula da Silva, umongameli, uvakalise ukwaneliseka kwakhe ngokunceda uluntu “lubuyise isidima” ngokuhlawula amatyala alo angekahlawulwa kwiiakhawunti zakhe zonxibelelwano.
Kuza kwenzeka njani ukuxoxisana ngokutsha kwamatyala kwiDesenrola Brasil?
Abantu abanamatyala baza kuba nezavenge ezili-12 ubuncinane zokuhlawula ngokupheleleyo amatyala abo kubaboneleli beenkonzo zemali. Nangona kunjalo, ukuze baxhamle kule nzuzo, kufuneka babe babhaliswe kuluhlu lwabangahlawuli amatyala kude kube ngomhla wama-31 kuDisemba 2022.
Funda kwakhona: Izibonelelo ezandisiweyo: inkqubo yokuthenga izindlu nezindlu kusetyenziswa i-FGTS iza kunyuswa;
Ziya kuba yintoni iimeko zeCandelo 1 kwi-Desenrola Brasil?
Umyalelo olawula le nkqubo ukwacacisa imigaqo ethile yeCandelo 1 le-Desenrola Brasil. Abameli bezemali kufuneka bacele ukugunyaziswa kwiqonga leNgxowa-mali eQinisekisa iMisebenzi yezeMali iDesenrola Brasil (FGO) kwaye bahlangabezane nemigaqo yobuchwepheshe neyoshishino emiselwe kwiNcwadana yeeNkqubo zokuSebenza yeFGO Desenrola Brasil.
Abatyalwayo abakwiCandelo 1 ngabo banamatyala afikelela kwi-R$ 5 lamawaka, abanengeniso efikelela kwimivuzo emibini esezantsi okanye ababhaliswe kwiRejista eNye yeeNkqubo zoLuntu zikaRhulumente woMdibaniso (CadÚnico). Ukuqala kwesi sigaba sale nkqubo kulindeleke ngoSeptemba.
Izigaba ezilandelayo zeDesenrola Brasil
UFernando Haddad, umphathiswa wezeMali, uthe isigaba esilandelayo seDesenrola Brasil siza kubandakanya iifandesi zezaphulelo ngokuthatha inxaxheba kwabameli bezemali. Ngaloo ndlela, isaphulelo esinikezwa ngumbolekisi siya kuchaphazela indlela lowo unetyala anokuhlawula ngayo ngezavenge, isoloko inesiqinisekiso sikaNondyebo weSizwe.
Bathini abaBhanki?
Ngentsebenziswano noMphathiswa wezeMali, i-FEBRABAN kunye neebhanki zayo ezingamalungu bakhuphe isaziso ngoMvulo, umhla we-17 Julayi 2023, kubo bonke abanomdla kwinkqubo i-Desenrola Brasil enemibuzo neempendulo:
Kuza kwenzeka ntoni kumatyala angekho ebhankini?
Kweli nqanaba langoku lenkqubo, iNkqubo i-Desenrola Brasil iza kuqwalasela kuphela amatyala ecandelo lezemali. Amatyala angekho ebhankini aza kufaneleka ukuxoxwa ngokutsha kuphela kubathengi abakwiCandelo 1, eliza kuqalisa ukusebenza ukususela ngoSeptemba 2023.
Funda kwakhona: Ukutsalwa kwemali kwi-Bolsa Família ngaphandle kwamaxwebhu kuyothusa abantu baseBrazil
Ndingathatha njani inxaxheba kweli nqanaba le-Desenrola?
Ummi kufuneka aqhagamshelane neziko lezemali apho anamatyala khona esebenzisa amajelo alo (i-intanethi, ii-app, amaziko onxibelelwano okanye amasebe) ukuze aqalise uthethathethwano.
Zeziphi iimeko ezikhethekileyo eziza kunikezelwa?
Iziko lezemali ngalinye liza kuchaza ngokuzimeleyo iimeko zenkxaso-mali zeli nqanaba.
Leliphi ixesha lokuqala nelokugqibela lokubhalisa?
Ukususela nge-17/07/2023, uthethathethwano ngokutsha lwamatyala eCandelo 2 lunokwenziwa kude kube yi-30/12/2023, xa iphela iNkqubo i-Desenrola Brasil.
Ndingawahlula abe zizavenge ezingaphi amatyala am?
Abemi kunye nebhanki ebolekisa ngemali baya kuthethathethana ngqo ngemigaqo yenzala kunye nezavenge zamatyala.
Ngaba amatyala eevenkile okanye eenkonzo zikawonke-wonke anokuthethwana ngawo kweli nqanaba?
Kwabo bakwiCandelo 2, hayi. Amatyala angengawo awasebhankini aya kufakwa kwabo bakwiCandelo 1, eliza kuqala ngoSeptemba 2023.
Ndinamatyala angengawo awasebhankini nawebhanki. Ngaba ndingangena kwisigaba 2 ngoku ndize kamva ndingene kwisigaba 1 ngoSeptemba?
Hayi. Abantu abakwiCandelo 2 baza kuphinda bathethathethane kuphela ngamatyala abo asebhankini.
Ukuba ummi uhlawula ezinye izavenge aze angazihlawuli ezinye iimali, ngaba uya kurekhodwa njengomtyali ongahlawuliyo?
Ewe. Ukuphinda kuthethathethwane ngamatyala phantsi kweemeko ezingcono kufuna ukuba ahlawulwe ngokupheleleyo. Ukuba ummi uhlawula inxalenye yamatyala ekuthe kwathethathethwana ngawo kwakhona, uya kurekhodwa njengomtyali ongahlawuliyo ngesixa angasihlawulanga. Inzala yokulibazisa kunye nesohlwayo sokulibazisa ziya kusetyenziswa kwesi sixa singahlawulwanga.
Ukuba ibhanki yam ayizange ijoyine iDesenrola, ngaba ndingathethathethana?
Ayizizo zonke iibhanki eziya kuthatha inxaxheba kwiNkqubo iDesenrola Brasil. Nangona kunjalo, ukuba ibhanki ayibhaliswanga kwiNkqubo, ummi unokuzama ukuphinda athethathethane ngamatyala akhe okanye adlulisele ityala kwelinye iziko.
Funda kwakhona: UKURHWEBA ‘KWEMALI ELI-LELWEYO’ EZIBHANKINI KUVULEKILE; BONA INDLELA YOKUKWENZA.
Ngaba ummi ojoyina iNkqubo uya kufumana ngokuzenzekelayo ukufikelela kwikhredithi?
Hayi. Ibhanki iya kuhlalutya onke amaxwebhu ize igqibe ekubeni iyinike okanye ingayiniki ikhredithi.
Ngaba kuya kubakho ukuxolelwa kwetyala kwiNkqubo iDesenrola Brasil?
Abathengi abanetyala lilonke elifikelela kwi-R$ 100 kuyo nayiphi na ibhanki ethatha inxaxheba baya kumiswa ngokuzenzekelayo ukubhalwa kwetyala labo njengelingahlawulwanga xa bejoyina le nkqubo. Ngegama elicocekileyo, baya kukwazi ukulungelelanisa kwakhona iimali zabo zobuqu baze baphinde bathethathethane ngentlawulo yeli tyala linye neziko lezemali. Iziko ngalinye lezemali liya kunika imiqathango ethile yokuphinda kuthethwe ngamatyala, eya kuchazwa xa umthengi enxibelelana namajelo asemthethweni eziko (amasebe abonakalayo, iwebhusayithi okanye usetyenziso).
Ngaba kukho izithintelo zokuphinda kuthethwane ngamatyala?
Nangona ukunqunyanyiswa kokurekhodwa kakubi kwamatyala afikelela kwi-R$ 100 kuluncedo, oku akusosindiso olupheleleyo lwetyala. Ukuba umthengi akaphindi athethathethane okanye akalihlawuli ityala ekuvunyelwene ngalo kwakhona, ityala liya kurekhodwa kakubi kwakhona. Ngokunjalo, ukuba umthengi uhlawula kuphela inxalenye yamatyala athethathethanwe kwakhona, uya kurekhodwa kakubi ngexabiso angalibhatalanga. Inzala yokulibaziseka nesohlwayo sokulibazisa ziya kusetyenziswa kwesi sixa singahlawulwanga.
Ndingalufumana phi ulwazi olungakumbi malunga neNkqubo iDesenrola Brasil?
Abemi banokufumana ulwazi olungakumbi malunga nenkqubo kwiwebhusayithi esemthethweni yeNkqubo iDesenrola Brasil nakwiinethiwekhi zentlalo zoMphathiswa wezeMali. I-FEBRABAN neebhanki ezinxulumene nayo nazo ziya kubonelela ngolwazi oluneenkcukacha malunga nenkqubo kunye neenkqubo zokuthatha inxaxheba.
Ukongeza koko, iofisi yezikhalazo yeBhanki Ephakathi kunye nemibutho yokukhusela abathengi, efana neProcon, ziyafumaneka ukubonelela ngolwazi nenkxaso kubathengi.
Funda kwakhona: Inzuzo eKhethekileyo Iya Kufikelela kwiintsapho ezingama-20 amawaka; Jonga ukuba uyafaneleka na
Ekugqibeleni, iSebe lezeMali licebise ukuba abathengi benze uhlalutyo olunononophelo lwemeko yabo yezemali ngaphambi kokuzibophelela kulo naluphi na uthethathethwano ngokutsha lwamatyala. Kubalulekile ukuqonda imiqathango yesivumelwano, inzala, inani lezavenge kunye neemali zezavenge, ukuze kuqinisekiswe ukuba ukuhlawulwa kwetyala kuyenzeka. Ukongeza, kubalulekile ukuqhubeka nokuzalisekisa izibophelelo zakho zemali emva kothethathethwano ngokutsha ukuze kuthintelwe iingxaki zexesha elizayo zokungahlawuli.
Inkqubo iDesenrola Brasil linyathelo likarhulumente lokunceda abemi baphinde baxoxisane ngamatyala abo baze baphucule imeko yabo yezemali. Le nkqubo ibonelela ngeemeko neendlela ezahlukeneyo zokuhlawula, ngenjongo yokwenza lula inkqubo yokuthethathethana ngokutsha kubemi. Nangona kunjalo, kubalulekile ukuba umntu ngamnye ahlalutye ngononophelo iimeko zakhe kunye namandla akhe okuhlawula ngaphambi kokuzibophelela kulo naluphi na uhlobo lothethathethwano ngokutsha. Eyona njongo iphambili kukubuyiselwa kwempilo yezemali kunye nozinzo lwezoqoqosho lwabantu baseBrazil.
