Izikhangiso
I-BC (IBhange Enkulu) isenama-R$ 6,2 billion ekhohliwe enkonzweni yokwamukela izimali, nakuba sekudlule izinyanga ezingaphezu kwezimbili kusukela kwavulwa kabusha inkundla evumela ukukhipha imali eshiywe kuma-akhawunti asebhange nasezikhungweni zezimali. Kuze kube manje, u-36,8% wesamba esitholakalayo, esingu-R$ 9,9 billion, kuHlelo lwe Amanani Okuzotholwa (SVR), usubuyisiwe phakathi kuka-7 Mashi no-8 Meyi.
Ukuze uhlole ukuthi unelungelo yini, kudingeka ungene kuwebhusayithi ye-SVR bese uchofoza ku-“Consulte valores a receber”. Gcwalisa inkambu ye-CPF noma i-CNPJ bese ufaka usuku lwakho lokuzalwa.
Ku-R$ 3,6 billion ebuyisiwe, u-R$ 2,7 billion ubuyele emaphaketheni abathengi abayizigidi ezingu-12,6. Enye imali engu-R$ 897,2 million yakhululwa ezinkampanini ezingu-447.470, ngokwedatha ye-BC.
Kumakhasimende anezimali okufanele azithole, kuhlanganise nokuphindaphindeka okungenzeka kwabazuzi, abayisikhombisa kwabayi-10 (71,7%) banezinsiza ezikhohliwe emabhange. Abaphathi bamaqembu okonga (20,5%), izikhungo zezimali (7,6,9%), imifelandawonye (5,1%) nezikhungo zokukhokha (4,1%) nazo zisohlwini.
Ngokwemali, iningi lezimali ezikhohliwe (72,4%) alidluli ku-R$ 10. Izimali ezitholakalayo ezingaphezu kuka-R$ 1.000 zimelela kuphela u-1,5% wezinsiza ezihlinzekwe yi-SVR.
Inani elikhulu kunawo wonke elicelwe yinkampani libe ngu-R$ 3,2 wezigidi, kanti kumuntu ngamunye libe ngu-R$ 749,4 wezinkulungwane.
Esigabeni sokuqala sohlelo lokubuyiselwa kwezimali ezikhohliwe, okwenzeka phakathi kukaMashi no-April 2022, kwahlinzekwa u-R$ 3,9 wezigidigidi. Nokho, ngu-8,2% kuphela waleli nani (R$ 321 wezigidi) owacelwa ngenkundla ye-BC, u-R$ 306 wezigidi wacelwa abantu ngabanye kanti u-R$ 15 wezigidi wacelwa izinkampani.
Indlela yokubuyisa izimali:
Ukuhlola ukuthi ungomunye wabazuzi bezimali ezitholakalayo, vele ungene ohlelweni kuwebhusayithi yeBhange Elikhulu bese ugcwalisa izinkambu nge-CPF noma i-CNPJ.
Uma kukhona imali okufanele ibuyiswe, ungachofoza inkinobho ethi “Finyelela ku-SVR” futhi uzoqondiswa kabusha ukuze uthole olunye ulwazi futhi uhlole ukuthi ungazicela kanjani lezi zinsiza. Kuyadingeka ukuba ne-akhawunti esezingeni lesiliva noma legolide ohlelweni lukahulumeni wobumbano, i-gov.br.
Kuhlelo, chofoza ku-“Amanani ami engiwatholayo”. Funda futhi wamukele Isitatimende Sokuqonda. Ngemva kwalokho, uzokwazi ukubona inani eliphelele ozolithola, igama nemininingwane yesikhungo esinesibopho sokubuyisa le mali, kanye nomsuka wenani elizobuyiswa.
Okulandelayo, landela imiyalelo enikeziwe:
- Uma uhlelo lunikeza inketho ethi “cela lapha”:
Khetha omunye wokhiye bakho be-Pix (inkambu eyimpoqo) bese unikeza imininingwane yakho yomuntu siqu. Gcina inombolo yephrothokholi ukuze uxhumane nesikhungo, uma kudingeka. Kulesi simo, uzothola le mali zingakapheli izinsuku zebhizinisi ezingu-12. - Uma uhlelo lunikeza inketho ethi “cela lapha”, kodwa lungabonisi ukhiye we-Pix otholakalayo ozowukhetha:
Xhumana ngokuqondile nesikhungo sezezimali ngocingo noma nge-imeyili, ngokolwazi esilunikezile, ukuze nivumelane ngendlela yokubuyiselwa kwemali. Kulesi simo, isikhungo sezezimali asiphoqelekile ukubuyisa le mali zingakapheli izinsuku zebhizinisi ezingu-12. Noma, uma ukhetha, dala ukhiye we-Pix bese ubuyela ohlelweni ukuze ucele le mali. - Uma uhlelo lunganikeli ngenketho ethi “cela lapha”:
Xhumana ngqo nesikhungo sezezimali ngocingo noma nge-imeyili, njengoba sinikeziwe yiso, ukuze nivumelane ngendlela yokubuyiselwa kwemali. Kuleso simo, isikhungo sezezimali asiphoqelekile ukubuyisela imali zingakapheli izinsuku zokusebenza eziyi-12.
I-Banco Central igqamisa lezi zinyathelo zokuphepha ezilandelayo:
- Okuwukuphela kwesayithi lokuhlola nokwazi ukuthi ungacela kanjani ukubuyiselwa kwemali, kungaba eyenkampani noma eyabantu abangasekho, yi-https://valoresareceber.bcb.gov.br.
- Zonke izinsizakalo ze- Valores a Receber zimahhala ngokuphelele. Ungenzi noma yiluphi uhlobo lwenkokhelo ukuze uthole ukufinyelela emalini.
- I-Banco Central ayithumeli izixhumanisi futhi ayixhumani nawe mayelana nemali okufanele uyithole noma ukuqinisekisa imininingwane yakho yomuntu siqu.
- Isikhungo kuphela esivela ku-Sistema de Valores a Receber esingaxhumana nawe, futhi asisoze sacela iphasiwedi yakho.
- Ungachofozi izixhumanisi ezisolisayo ezithunyelwe nge-imeyili, i-SMS, i-WhatsApp noma i-Telegram.
