Isebenza kanjani i-Oxxo Loans
I-Oxxo ingesinye sezitolo ezithengisa izinto ezithandwa kakhulu eMexico, futhi ngaphezu kokuhlinzeka ngemikhiqizo eyahlukene, ihlinzeka ngezinsizakalo zezezimali ezifana nemalimboleko. Lezi zimali mboleko ziyinketho yalabo bantu abadinga imali ngokushesha futhi kalula. Kulesi sihloko, sizochaza ukuthi imali mboleko ye-Oxxo isebenza kanjani nokuthi yiziphi izidingo okufanele uhlangabezane nazo ukuze uzithole.
Inqubo yohlelo lokusebenza
Isinyathelo sokuqala sokucela imali ebolekiwe kwa-Oxxo ukuya kwelinye lamagatsha ayo bese uye efasiteleni lesevisi yamakhasimende. Lapho kufanele ugcwalise isicelo lapho uzocelwa khona ulwazi oluthile lomuntu siqu kanye nolwazi mayelana neholo lakho lanyanga zonke kanye nezindleko.Kubalulekile ukugcwalisa isicelo ngokuphelele nangokunembile ukuze kusheshiswe inqubo yokugunyazwa.
Ukuhlaziya nokugunyazwa
Uma ususifakile isicelo, i-Oxxo izobe iphethe ukuhlaziya iphrofayela yakho yesikweletu nokuhlola umthamo wakho wokukhokha. Ukuze benze lokhu, bangase bacele ulwazi olwengeziwe noma imibhalo esekela iholo lakho. Kubalulekile ukuqaphela ukuthi imali mboleko ye-Oxxo inikezwa izinkampani zezezimali ezihlotshaniswayo, ngakho ukugunyazwa kokugcina kuzoncika ekunqumeni kwabo.
Ukukhokhelwa
Uma isicelo sakho sivunyiwe, i-Oxxo izokwazisa ngenani lemali ebolekiwe kanye nezimo zokukhokha Ngokuvamile, ukukhokha kwenziwa ku-akhawunti yasebhange noma ngokuqondile Ikhadi le-Oxxo. Ungasebenzisa imali oyibolekile kunoma yini oyidingayo: khokha izikweletu, thenga noma ikhava izimo eziphuthumayo.
Izidingo
Ukuze ukwazi ukufinyelela imalimboleko ku-Oxxo, kudingeka ukuhlangabezana nezimfuneko ezithile eziyisisekelo. Okokuqala nje, kufanele ube neminyaka esemthethweni futhi ube nomazisi osemthethweni osemthethweni. Kuyadingeka futhi ukuba ne-a i-akhawunti yasebhange futhi ubonise umthamo wokukhokha. Izidingo ezengeziwe zingase zihluke kuye ngokuthi isikhungo sezimali esinikeza imali mboleko.
Isiphetho
Imali mboleko ye-Oxxo iyindlela elula ukuthola imali ngokushesha futhi kalula. Nakuba isikhungo sezezimali ngasinye sinemibandela yaso yokugunyaza, ukuhlangabezana nezidingo eziyisisekelo nokuthumela isicelo esiphelele nesinembile kuzokwandisa amathuba akho okuthola imali mboleko oyifunayo. Uma udinga imali ngokushesha, i-Oxxo ingaba inketho ongayicabangela.
- Isingeniso se-Oxxo imalimboleko
Imali mboleko ye-Oxxo iyindlela elula yokuthola imali esheshayo nelula. Ngale sevisi, amaklayenti angakwazi ukufinyelela imalimboleko efinyelela ku-$10,000 pesos, ngaphandle kokudinga umlando wesikweletu. Lokhu kuyinzuzo enkulu kulabo abadinga imali ngokushesha futhi abangenaso isikhathi sokubhekana nezinqubo eziyinkimbinkimbi.
Isici esibalulekile semali mboleko ye-Oxxo ukuthi ingafakwa ngqo esitolo, okwenza inqubo ifinyeleleke nakakhulu Abanentshisekelo badinga kuphela ukuya egatsheni le-Oxxo ne-ID yabo esemthethweni kanye nekhadi lakho lasebhange ukuze baqale isicelo. Ngaphezu kwalokho, imali igunyazwa ngokushesha, njengoba impendulo itholwa ngaphansi kwalokho Amahora ama-24.
Ngemalimboleko ye-Oxxo, amaklayenti ayakwazi ukukhetha isikhathi sokukhokha esiwafanele kangcono. Bangakhetha ukuyikhokha ngezinsuku eziyi-7, 14 noma 30, kuye ngezidingo zabo namandla abo okukhokha.Lokhu kuvumela imali ebolekiwe ukuthi ivumelane nesimo sabo sezezimali futhi kuvimbela inzalo ekuqongeleleni kakhulu. Ngaphezu kwalokho, izinkokhelo zenziwa ngokuqondile ezikhungweni ze-Oxxo, okwenza kube lula futhi kube lula ukuthobela izibopho.
Ngamafuphi, imali mboleko ye-Oxxo iyisixazululo esisebenzayo nesisheshayo sokuthola ukheshi ngendlela elula. Ukufinyelela kalula, isivinini sokuphendula, kanye nokuvumelana nezimo emigomeni yokukhokha ezinye zezinzuzo eziphawuleka kakhulu zale sevisi. Uma udinga imali ephuthumayo futhi ungafuni ukukhathazeka ngezinqubo eziyinkimbinkimbi, imali mboleko ye-Oxxo ingaba inketho efanelekile kuwe.
- Inqubo yokufaka isicelo semalimboleko e-Oxxo
Ukuze ufake isicelo sokubolekwa imali Kwa-Oxxo, kufanele ulandele inqubo elula nesheshayo ekuvumela ukuthi uthole imali oyidingayo ngendlela elula. Isinyathelo sokuqala ukuya kunoma yiliphi igatsha le-Oxxo futhi ucele ulwazi mayelana nemali mboleko etholakalayo. Ummeleli uzokunikeza imininingwane mayelana nezidingo, imigomo namanani atholakalayo emali mboleko yakho.
Uma usukhethe imali ebolekiwe efanele izidingo zakho, Kufanele ugcwalise isicelo ngolwazi lwakho lomuntu siqu, okuhlanganisa igama lakho, ikheli kanye nenombolo kamazisi esemthethweni. Uzocelwa futhi ukuthi unikeze ulwazi mayelana neholo lakho kanye nezindleko. Ibalulekile gcwalisa isicelo ngokunembe nangeqiniso, njengoba noma yiluphi ulwazi olungalungile lungabambezela noma luthinte ukuvunywa kwemali mboleko yakho.
Uma ususiqedile isicelo, kufanele ulinde ukubuyekezwa nokugunyazwa kwemali mboleko yakho. Le nqubo Kungathatha izinsuku ezimbalwa, njengoba u-Oxxo kufanele ahlole umthamo wakho wokukhokha futhi enze izinqubo ezidingekayo. Uma sekugunyaziwe, Uzokwaziswa futhi ungakwazi ukukhipha imali ngokheshi ngqo egatsheni le-Oxxo lapho wenze isicelo. Khumbula ukuthi isikhathi nemibandela yemalimboleko yakho izoncika kunqubomgomo ye-Oxxo kanye namandla akho esikweletu.
- Izidingo kanye nemibhalo edingekayo ukuze uthole imali mboleko ye-Oxxo
Izidingo namadokhumenti adingekayo ukuze uthole imali ebolekiwe kwa-Oxxo
Thatha imali ebolekiwe kwa-Oxxo Kuyinqubo ilula kakhulu, kodwa ukuze uqinisekise ukuvunywa kwesicelo sakho, kubalulekile ukuhlangabezana nezimfuneko ezithile futhi ube nemibhalo edingekayo esandleni. I izidingo eziyisisekelo ukuthola imali ebolekiwe ye-Oxxo kufaka phakathi ukuba ngaphezu kweminyaka eyi-18 ubudala, ukuba nomazisi osemthethweni (njenge-INE noma ipasipoti yakho) nokuba ne-akhawunti yasebhange. egameni lakho. Ukwengeza, kufanele ubonise ukuthi uneholo elivamile nelizinzile, kungaba ngerisidi labakhokhelwayo noma izitatimende zasebhange ezibonisa imali oyifake nyanga zonke.
Ngaphezu kwalezi zidingo, uzodinga futhi ukwethula ezithile imibhalo ukuqedela isicelo sakho semalimboleko ye-Oxxo. Phakathi kwemibhalo edingekayo yilezi: umazisi wakho osemthethweni, ubufakazi bekheli (njengebhili yensiza yakamuva), ubufakazi bemali engenayo (lokhu kungaba isitifiketi somsebenzi noma isitatimende sakamuva se-akhawunti yasebhange) kanye nereferensi yomuntu siqu. Kufanele futhi ube nesithombe samanje, njengoba kuzodingeka ukuthi sikuhlonze ngesikhathi senqubo yokufaka isicelo.
Uma usuhlangabezane nezidingo futhi usuqoqe imibhalo edingekayo, ungaya kunoma yiliphi igatsha le-Oxxo ukuhambisa isicelo sakho semalimboleko. Omele i-Oxxo uzohlola isicelo sakho namadokhumenti, futhi uzokunikeza impendulo ngesikhathi esifushane kakhulu. Uma imali oyibolekiwe ivunyiwe, ungathola imali ku-akhawunti yakho yasebhange noma ngokheshi egatsheni elifanayo le-Oxxo. Khumbula ukuthi kubalulekile ukuba nesibopho futhi ukhokhe imali oyibolekile ngezinsuku okuvunyelwene ngazo ukuze ulondoloze isithunzi esihle sesikweletu futhi uqinisekise ukuthi izicelo eziphumelelayo zesikhathi esizayo.
- Ukuhlolwa nokuvunywa kwemali mboleko e-Oxxo
Kwa-Oxxo, sinikela ngemalimboleko kumakhasimende ethu njengendlela yokuwasiza ukumboza izidingo zawo zezimali. Ukuhlolwa nokuvunywa kwemali mboleko kwa-Oxxo kwenziwa ngokushesha nangempumelelo, ukuhlinzeka amakhasimende ethu ngesixazululo esisheshayo.
Inqubo yokuhlola: Ukufaka isicelo sokubolekwa imali kwa-Oxxo, amakhasimende kufanele alethe isicelo futhi anikeze imibhalo ethile eyisisekelo, njengokuhlonza okusemthethweni kanye nobufakazi bekheli. Ithimba lethu lokuhlola lihlaziya ngokucophelela ulwazi olunikeziwe ukuze linqume ukufaneleka kweklayenti futhi lihlole ikhono lalo lokukhokha.
Ukuvunyelwa Kwemalimboleko: Uma sicelo namadokhumenti adingekayo sekuthunyelwe, ithimba lethu lokuhlaziya linesibopho sokubuyekeza ulwazi nokunquma ukuthi iklayenti liyahlangabezana yini nezidingo ezimisiwe. Ukugunyazwa kwesikweletu kusekelwe ezintweni ezihlukene, ezifana nomlando wesikweletu kanye nekhono lekhasimende lokukhokha. Uma iklayenti lihlangabezana nezimfuneko, ukugunyazwa kwenziwa ngokushesha futhi inani lemalimboleko lingatholakala Ikhadi le-Oxxo noma ngemali.
- Amazinga enzalo nemibandela yokukhokha ku-Oxxo imalimboleko
Izilinganiso zenzalo nemibandela yokukhokha emalimboleko ye-Oxxo
Uma ucabanga ukufaka isicelo semali mboleko kwa-Oxxo, kubalulekile ukuthi uqonde izilinganiso zenzalo nemibandela yokukhokha abayinikezayo. Okokuqala, i-Oxxo inikeza amanani enzalo ancintisanayo, anqunywa izici ezihlukahlukene, njengeholo lakho lanyanga zonke nomlando wesikweletu. Lawa mazinga enzalo ayahluka, kodwa ahlala esobala futhi asungulwa ngokuhambisana nemithetho yamanje yezezimali. Ngaphezu kwalokho, i-Oxxo inikeza imigomo ehlukene yokukhokha ukuze ivumelane nezidingo zakho namandla okukhokha. Imigomo ingaba kusukela enyangeni engu-1 kuye kweziyi-12, kuye ngenani lemalimboleko nezimo zakho zezimali.
Izinzuzo zezilinganiso zenzalo ze-Oxxo nemibandela yokukhokha
Inzuzo enkulu yemalimboleko ye-Oxxo ukuthi izilinganiso zenzalo ziyaqhudelana futhi ukuguquguquka kunikezwa ngokwemibandela yokukhokha. Lokhu kusho ukuthi uzoba nethuba lokukhetha inketho evumelana kangcono nezidingo zakho namandla akho ezezimali. Ngokuba nemibandela yokukhokha ehlukene, ungakhetha leyo ekuvumela ukuthi ukhokhe ngokunethezeka futhi ngaphandle kokuthinta ibhajethi yakho yanyanga zonke. Ngaphezu kwalokho, ukuba nezilinganiso zenzalo ezincintisanayo kukunikeza isibambiso sokuthi uthola imali mboleko ngenani elifanelekile nelilinganayo.
Izidingo nenqubo yokufaka isicelo
Ukufaka isicelo sokubolekwa imali kwa-Oxxo, kufanele uhlangabezane nezidingo ezithile. Lokhu kufaka phakathi ukuba neminyaka okungenani eyi-18 kanye nokwethula umazisi osemthethweni, njenge-INE noma ipasipoti yakho Ngaphezu kwalokho, udinga ukuba nakho ubufakazi bekheli kanye nenombolo yocingo esebenzayo. Inqubo yokufaka isicelo iyashesha futhi ilula. Ungaya egatsheni le-Oxxo ufake isicelo sokubolekwa imali ngokuqondile noma, uma uthanda, ungakwenza ku-inthanethi ngewebhusayithi yabo noma ngesicelo seselula. Uma isicelo sakho sesihloliwe, i-Oxxo izokwazisa uma ugunyaziwe futhi, uma unethemba, izokunikeza imininingwane mayelana namazinga enzalo kanye nemibandela ethile yokukhokha yemalimboleko yakho.
– Izinzuzo kanye nezinzuzo zokubolekwa kwe-Oxxo
Imali mboleko ye-Oxxo iyindlela enhle yokuthola imali ngokushesha futhi kalula. Enye yezinzuzo ezinkulu zalezi zimalimboleko ukuthi awunazo izidingo eziningi zokuzifaka isicelo. Awudingi ukuba nomlando wesikweletu ophelele, ngakho-ke ngisho noma unomlando omubi wesikweletu, usengakwazi ukufinyelela imalimboleko yakwa-Oxxo.
Ngaphezu kwalokho, imali mboleko ye-Oxxo inikezwa ngokushesha, okusho ukuthi ungathola imali ku-akhawunti yakho emizuzwini embalwa nje. Lokhu kulungele izimo eziphuthumayo noma izindleko ezingalindelekile. Akumele ulinde izinsuku noma amasonto ukuze uthole impendulo esicelweni sakho, okuyinto elula kakhulu.
Enye inzuzo yemali mboleko ye-Oxxo ukuthi iyakuvumela finyelela imali encane. Lokhu kuwusizo ukumboza izindleko ezincane noma ezingalindelekile ezingase ziphakame ekuphileni kwakho kwansuku zonke. Ngaphezu kwalokho, imigomo yokukhokha iyavumelana nezimo, okukuvumela ukuthi ulungise indlela yokukhokha ngokwezidingo zakho kanye namathuba ezezimali. Akudingekile ukuba ungene esikweletini isikhathi eside, njengoba ungakwazi ukukhokha imali mboleko ngesikhathi esisodwa. short if uthanda. Izimali mboleko ze-Oxxo ziyinketho elula futhi efinyelelekayo yokuxazulula izidingo zakho zezimali ngendlela elula nesheshayo.
- Izincomo zokwenza okuningi ngemali mboleko ye-Oxxo
Enye yezinketho ezidume kakhulu zezimali e-Mexico yimalimboleko ye-Oxxo. Lezi zimali mboleko ziyisixazululo esilungele labo abadinga imali ngokushesha futhi abafuni ukubhekana nezinqubo eziyinkimbinkimbi ebhange. I-Oxxo inikeza imalimboleko efinyelela ku-$10,000 pesos, enemibandela yokukhokha eguquguqukayo namazinga enzalo ancintisanayo.. Okulandelayo, sizokunikeza izincomo ukuze uthole okuningi kulezi zimalimboleko.
Okokuqala, kubalulekile Hlaziya ngokucophelela izidingo zakho zezimali ngaphambi kokufaka isicelo semali mboleko. Udinga imali engakanani? Kuzothatha isikhathi esingakanani ukuyikhokha?Ngokucacisa ngezidingo zakho kanye nekhono lakho lokukhokha, uzokwazi ukukhetha imali ebolekiwe efanele. Ngaphezu kwalokho, sincoma sebenzisa umshini wokubala wemalimboleko we-Oxxo we-inthanethi ukulinganisa ukuthi uzokhokha malini sekukonke, kuhlanganise nenzalo.
Esinye isincomo esibalulekile funda ngokucophelela imigomo nemibandela yemali mboleko. Qiniseka ukuthi uyayiqonda yonke imininingwane yenkontileka, njengezinga lenzalo, izinkokhelo, imigomo yokukhokha, nemiphumela yezinkokhelo ezingekho.. Uma unemibuzo noma okukukhathazayo, ungangabazi ukuthintana nesevisi yamakhasimende yakwa-Oxxo.. Bazokujabulela ukukucacisela noma yikuphi ukukhathazeka onakho futhi bakunikeze izeluleko phakathi nalo lonke uhlelo.
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.