Izikhangiso
Njengamanje, kunezigidi zabantu baseBrazil abanamagama angcolile futhi ngenxa yalokho banenkinga yokuthola imali mboleko. Phela, omunye wemiphumela yokuba negama elingcolile ukuvinjelwa ekuceleni izikweletu nezinye izinsizakalo. Kubalulekile ukuqaphela ukuthi abantu abaningi baseBrazil bakulesi simo. Izindaba ezinhle ukuthi ezinye izikhungo zinikeza leli qembu ithuba lokuthola ezinye izinhlobo zezikweletu.
Kodwa izimo zivame ukungabi zinhle kangako. Phela, kuyingozi ibhange eliyithathayo. Ngokombono wezikhungo, umuntu waseBrazil onegama elingcolile akabhekwa njengomkhokhi omuhle. Ngakho-ke, inzalo yabantu abanamarekhodi amabi esikweletu ivame ukuba phezulu. Kubalulekile ukukugcina lokhu engqondweni ngaphambi kokuthatha imali mboleko, ukuze impilo yakho yezezimali ingabi yibhola leqhwa elikhulayo. Qhubeka ufunde lesi sihloko ukuze wazi ukuthi yimaphi amabhange anikeza lezi zikweletu.
Phela, yimaphi amabhange anikeza imali mboleko kulabo abanamagama angcolile?
Okokuqala, kubalulekile ukucacisa ukuthi yiziphi izimpembelelo zokuba negama elingcolile. Njengoba sekushiwo, umuntu waseBrazil uphelelwa ukufinyelela ochungechungeni lwezinsizakalo, njengamakhredithi nezimalimboleko. Eqinisweni, amaphuzu akhe e- Amaphuzu Esikweletu eSerasa aba phansi. Uma inani lamaphuzu lincane, amathuba okuba umuntu athole amakhredithi nawo aba mancane.
Ngenxa yalesi sizathu, kunamabhange anikeza amakhredithi kulabo abanesikweletu esingakhokhiwe. Inzalo iyahlukahluka kusuka ku-0,99% kuya ku-17% ngenyanga. Imibandela incike enanini eliceliwe, ekhasimendeni ngisho nasebudlelwaneni balo nebhange. Kungokwemvelo ukuthi izikhungo zezimali zinikeze imibandela engathandeki kangako kulabo abanegama elingcolile.
Bheka uhlu lwamabhange amakhulu anikeza amakhredithi kulabo abanesikweletu esingakhokhiwe
- Itaú
- I-Banco Santander
- C6 Bank
- Banco do Brasil
- Creditas
- BMG (Banco Minas Gerais)
- Simplic
- Digio
Kubalulekile ukusho ukuthi amanye amabhange asohlwini aphinde anikeze ithuba lokukhokhelwa kusengaphambili kokuhoxiswa kwemali kosuku lokuzalwa kwe- I-FGTS (Isikhwama Sesiqinisekiso Sesikhathi Senkonzo). Le ndlela yenzelwe kuphela abasebenzi abasebenza ngaphansi kohlelo lwe-CLT (Ukuhlanganiswa Kwemithetho Yabasebenzi).
Ingabe kufanelekile ukuthatha ikhredithi uma nginesikweletu esingakhokhiwe?
Lona umbuzo wabantu abaningi. Uma ngempela udinga imali futhi ungaboni enye indlela, imali mboleko iyizinketho zokuxazulula isimo sakho sezezimali. Kodwa kudingeka uthathe izinyathelo ezithile zokuphepha. Noma ngabe igama lakho selonakele, ukungayikhokhi ibhange kungasenza isimo sakho sibe sibi nakakhulu.
Isithombe: Unsplash/Daniel Dan
