Isingeniso:
Okwamanje, ukuba nomthombo onokwethenjelwa wemali kuye kwaba yimfuneko kubantu abaningi baseMexico. I-Coppel, isitolo somnyango esidumile, inikeza amakhasimende ayo ithuba lokucela imalimboleko ngendlela elula nevikelekile. Kulesi sihloko, sizohlola izinyathelo okufanele uzithathe faka isicelo sokubolekwa imali e-Coppel kanye nezinye izici ezibalulekile okufanele zicatshangelwe phakathi nenqubo. Ukwengeza, sizohlola izidingo nemibandela ehambisana nalezi zimalimboleko, sikunikeze ulwazi oludingekayo ukuze wenze isinqumo unolwazi mayelana nesicelo sakho.
- Ungasifaka kanjani isicelo semali mboleko e-Coppel: izidingo nezinyathelo okufanele uzilandele
Ungasifaka kanjani isicelo sokubolekwa imali e-Coppel: izidingo nezinyathelo okufanele uzilandele
Uma ucabanga ukufaka isicelo semali mboleko e-Coppel, kubalulekile ukuthi uzazi izidingo kanye izinyathelo okufanele zilandelwe ukukwenza ngendlela efanele. Okokuqala, kufanele uhlangabezane nezidingo eziyisisekelo ukuze ukwazi ukufinyelela imali ebolekiwe. Kufanele ube ngaphezu kweminyaka engu-18 ubudala futhi ube nesazisi esisemthethweni esisemthethweni, njenge-INE noma ipasipoti yakho. Ukwengeza, kufanele ube ne-a i-akhawunti yasebhange egameni lakho, njengoba imali izofakwa kuyo.
Uma usunezidingo ezidingekayo, isinyathelo esilandelayo ukuya egatsheni lase-Coppel uyocela imalimboleko yakho. Lapho uyosizwa omunye wabaphathi bethu bezikweletu, ozokuqondisa ohlelweni. Kufanele wethule umazisi wakho osemthethweni, kanye a ubufakazi bekheli okwakamuva. Uma ungenayo irisidi egameni lakho, ungakwazi ukwethula elilodwa egameni lesihlobo esiqondile, inqobo nje uma ufakazela ubudlelwano.
Uma usuwahambisile amadokhumenti adingekayo, isikhulu sezikweletu sizoqinisekisa umlando wakho wesikweletu futhi sihlole amandla akho okukhokha. Uma kuvunyiwe, uzonikezwa imali mboleko futhi uzokwaziswa ngenani nemibandela yokukhokha. Kubalulekile ukukhumbula ukuthi ukuze uthole imali ebolekiwe e-Coppel, udinga ukuba nedumela elihle lesikweletu kanye namandla okukhokha abonisiwe. Umlando wakho ne-Coppel nawo uzocatshangelwa, uma ugcina isikhathi ezinkokhelweni zakho zangaphambilini, lokhu kuzokusiza ube namathuba amakhulu okuthola imali oyibolekiwe oyicelile.
Sengiphetha, ukufaka isicelo semalimboleko ku-Coppel kudinga ukuhlangabezana nezimfuneko ezithile eziyisisekelo ezifana nokuba neminyaka esemthethweni, ukuba nomazisi osemthethweni nokuba ne-akhawunti yasebhange. Uma lezi zidingo sezihlangabeziwe, kufanele uye egatsheni lase-Coppel futhi wethule imibhalo edingekayo. Ngemva kokuhlolwa komlando wakho wesikweletu namandla okukhokha, uzokwazi ukuthola imali oyibolekile. Khumbula ukuthi ukuba nedumela elihle lesikweletu kanye nokugcina isikhathi ezinkokhelweni zakho zangaphambilini yizici ezibalulekile zokuphumelela esicelweni sakho.
- Amadokhumenti adingekayo ukuze uthole imali ebolekiwe e-Coppel
Ukuze uthole imali mboleko e-Coppel, kuyadingeka ukuthi ube nesiqiniseko imibhalo ehlangabezana nezidingo ezisungulwe inkampani. Ngezansi, sichaza amadokhumenti adingekayo:
- I-ID Esemthethweni: Kudingeka i-ID evumelekile, njengokuthi a i-ID yomvoti noma ipasipoti, efakazela ubuwena kanye nendawo ohlala kuyo.
- Ubufakazi bemali engenayo: Kubalulekile ukuhlinzeka ngobufakazi bakamuva bemali engenayo, okungaba yimali yokukhokha noma ubufakazi bomsebenzi, ukukhombisa ukuthi unomthombo ozinzile wezinsiza.
- Comprobante de domicilio: Uzodinga ukwethula ubufakazi bamanje bekheli, njengebhili yensiza egameni lakho, ukuze uqinisekise ukuhlala kwakho.
Ngaphezu kwalokho kulawa madokhumenti, kungenzeka ukuthi I-Coppel zidinga ezengeziwe kuye ngenani lemalimboleko eceliwe. Lokhu kungase kuhlanganise izitatimende zasebhange, izinkomba zomuntu siqu noma ubufakazi bezinkokhelo zangaphambilini uma uke waba nemali mboleko ngaphambilini enkampanini.
Kubalulekile ukuqaphela ukuthi— lezi zidingo zingahluka kuye ngegatsha kanye nezinqubomgomo ze-Coppel. Ngakho-ke, kuyatuswa thintana negatsha eseduze ukuthola ulwazi olunembayo mayelana nemibhalo edingekayo esimweni sakho esithile. Khumbula ukubukeza ngokucophelela izidingo bese uhambisa zonke imibhalo ephelele futhi ukuze kusheshiswe inqubo yokufaka isicelo futhi kwandiswe namathuba akho okuthola imali mboleko oyifunayo.
- Ukuhlolwa kwezilinganiso zezikweletu nenzalo e-Coppel: okufanele ukwazi
Requisitos para solicitar un préstamo en Coppel
Uma ucabanga ukufaka isicelo semalimboleko e-Coppel, kubalulekile ukuthi wazi izidingo ezidingekayo ukuze ukwazi ukucubungula isicelo sakho ngempumelelo. Okokuqala, kufanele ube neminyaka esemthethweni futhi ube nesazisi esisemthethweni esisemthethweni, njenge-INE noma ipasipoti yakho. Ngaphezu kwalokhu, kuyadingeka ukuthi wethule ubufakazi bakho bamanje bekheli, njengebhili yezinsiza noma isitatimende sasebhange.
Enye imfuneko ebalulekile iwukuba nomlando omuhle wezikweletu. I-Coppel izohlola ikhono lakho lokukhokha imali ebolekiwe futhi izocabangela ukuthi unawo yini amanye amakhredithi noma izikweletu ezisele. Kubalulekile futhi ukuba nobufakazi bemali engenayo, noma ngabe isitifiketi somsebenzi, amarisidi okuhola, noma izitatimende ze-akhawunti ezibonisa iholo lakho. Ukuhlangabezana nalezi izimfuneko kuzokunikeza ithuba elikhulu lokuthola imvume yemali mboleko nge-Coppel.
Izilinganiso zenzalo nemibandela yokukhokha
Ngaphambi kokucela imali ebolekiwe nge-Coppel, kubalulekile ukuthi ucabangele amanani enzalo asebenzayo. Khumbula ukuthi izilinganiso zenzalo izindleko ezengeziwe okuzodingeka uzikhokhele imali mboleko, ngakho kubalulekile ukuziqonda futhi uhlole ukuthi ziyavumelana yini namandla akho okukhokha.
E-Coppel, izilinganiso zenzalo zingalungiswa, okusho ukuthi Zizohlala zingashintshi phakathi nesikhathi okuvunyelwene ngazo, noma okuguquguqukayo, okusho ukuthi zingashintshashintsha kuye ngezimo zemakethe. Ngaphezu kwalokho, kufanele ucabange imibandela yokukhokha, okungukuthi, isikhathi okuzodingeka ukhokhe ngaso imali mboleko. I-Coppel inikeza izinketho eziguquguqukayo mayelana nemibandela, kodwa kubalulekile ukukhetha ithemu eliwafanela kangcono amathuba akho ezezimali.
Ventajas de solicitar un préstamo en Coppel
Ukucela imalimboleko ku-Coppel kungaba nezinzuzo ezahlukahlukene okufanele uzicabangele. Okokuqala nje, i-Coppel inikezela ngamathuba okucela imalimboleko emagatsheni ayo aphathekayo nangenkundla yayo eku-inthanethi, ehlinzeka ngokunethezeka nokufinyeleleka. Ukwengeza, inqubo yokuhlola isikweletu e-Coppel iyashesha futhi kulula, yehlisa isikhathi sokulinda ukuze uthole impendulo.
Enye inzuzo ebalulekile ukuthi i-Coppel ayidingi iziqinisekiso noma isibambiso ukuze inikeze imali ebolekiwe, okwenza kube lula ukufinyelela ekuxhaseni abantu abaningi. Ukwengeza, unethuba lokukhokha imalimboleko yakho ngaphambi kwesikhathi ngaphandle kwenhlawulo, okukunikeza ukuguquguquka okukhulu nokonga yenzalo. Cabangela zonke lezi zinzuzo lapho unquma ukuthi ukucela imali ebolekiwe kwa-Coppel kuyinketho ekulungele yini.
- Izincomo zokucela imalimboleko e-Coppel ngaphandle kwezihibe
Uma ucabanga faka isicelo sokubolekwa imali e-Coppel Kubalulekile ukuthi ulandele ezinye izincomo ukuze ugweme ukuhlehla. Okokuqala, qiniseka ukwenza ukuhlaziya okuningiliziwe kwezidingo zakho zezimali. Nquma inani eliqondile olidingayo bese usungula uhlelo lokukhokha olungokoqobo olufanelana namandla akho ezezimali.
Esinye isici esibalulekile ukulungiselela imibhalo edingekayo ukuze uthole imali ebolekiwe. Ngaphambi kokuya egatsheni lase-Coppel, qiniseka ukuthi unomazisi osemthethweni, ubufakazi bekheli, amarisidi okugcina okuhola kanye, uma ungumsebenzi, nobufakazi bakho bomsebenzi. Lawa madokhumenti abalulekile ukuze ubonise ukufaneleka kwakho kwekhredithi futhi usheshise inqubo yokugunyaza.
Uma usuwalungiselele wonke amadokhumenti, sekuyisikhathi sokuthi Iya egatsheni le-Coppel eliseduze. Lapho, isikhulu sezokuthengisa sizokulandela futhi sikuqondise ngenqubo yokufaka isicelo semalimboleko. Khumbula ukuthi kucace futhi kufingqiwe lapho uchaza izidingo zakho futhi wethula imibhalo yakho. Ekugcineni, ngaphambi kokusayina noma iyiphi inkontileka, qiniseka ukuthi ufunda imigomo nemibandela ngokucophelela. Uma unemibuzo, ungangabazi ukubuza. Kubalulekile ukuthi uqonde yonke imininingwane nemithelela yemalimboleko yakho.
- Ezinye izindlela okufanele uzicabangele ngaphambi kokucela imali ebolekiwe e-Coppel
Kungokwemvelo ukuthi ngesinye isikhathi sidinga ukuthola imali ebolekiwe ukuze sibhekane nezimo eziphuthumayo zezezimali. Nokho, ngaphambi kokufaka isicelo semali e-CoppelKubalulekile ukucabangela ezinye izindlela ezingase zivune izimali zethu zesikhathi eside.
Inketho eyodwa okufanele uyicabangele hlola, uma singakwazi ukuhlangabezana nesidingo sethu semali ngokuphendukela emalini eyongayo. Ngaphambi kokuthola isikweletu, kubalulekile ukubuyekeza yethu ukungena kwemali futhi sihlole ukuthi kungenzeka yini ukwaba ingxenye yokonga kwethu ukubhekelela isimo esiphuthumayo. Ngale ndlela, sizogwema ukuthola inzalo eyengeziwe kanye nezindleko.
Otra alternativa a tener en cuenta es faka isicelo semalimboleko ngenyunyana yezikweletu. Lezi zikhungo ngokuvamile zinikeza amanani enzalo aphansi kunamabhange okuhweba futhi zingase zibe nezidingo zokufaneleka ezivumelana nezimo. Kuyancomeka ukuthi kwenziwe ucwaningo ngamadlelandawonye ahlukene bese uqhathanisa nemibandela yemali mboleko ayinikezayo ngaphambi kokuthatha isinqumo. Ngaphezu kwalokho, kubalulekile ukukhumbula ukuthi, ezimweni eziningi, kuyadingeka ukuba yilungu le co-op ukuze uthole imali ebolekiwe.
Ngingu-Sebastián Vidal, unjiniyela wekhompyutha ozifelayo ngobuchwepheshe kanye ne-DIY. Ngaphezu kwalokho, ngingumdali we tecnobits.com, lapho ngabelana khona ngezifundo zokwenza ubuchwepheshe bufinyeleleke kakhudlwana futhi buqonde wonke umuntu.