Pa ri qak'aslemal are k'o k'isb'alil rech puwaq che kajawaxik chi anim. Are Tangolab SAU, che uk'ayb'alib'al Picchu Cash, jun k'amajay che kape pa Argentina xuquje' kachak pa Iximulew, kape ruk'in jun k'ak' na'oj rech uya'ik puwaq che kachajixik. Are ri k'amajay kachak pa k'amal b'e xuquje' kach'ab'ej ri winaqil che man k'o ta kub'an ri puwaq pa taq bank, rech kech'ab'ej jutz'it puwaq chi anim. Chuwach ri tz'ib'anem ri' kqak'ut ri Tangolab SAU, ri uk'ayb'alil, ri rajil puwaq, ri cholb'al rech uch'ab'exik, xuquje' ri na'oj che kajawaxik keta'maj ri ajch'ab'el.
Q'alajirisaxik ri Nimab'ey rech Tangolab SAU
Are Tangolab SAU jun k'amajay rech
Ri ub'antajik ri k'amajay are uya'ik puwaq che kachajixik che man k'o ta naj uq'ijol, che k'o jutz'it rajil. Ri puwaqil kepe pa rajil ri puwaq che kachajixik xuquje' pa ri tojoj che kub'an ri winaq. Man k'o ta jun nim uya'b'al rech Tangolab SAU che kach'aw pa Iximulew, ri ujach'ik ri k'amajay man k'o ta q'alajirsab'al che k'o pa taq tz'ib'a'l rech Iximulew.
Taq Puwaq Che Kachajixik xuquje' Ri Rajil Puwaq
Are ri
- Rajil puwaq che kachajixik: Are 0.04% pa jun q'ij. We kach'ob'ex pa jun junab', are 14.6% rajil puwaq.
- Tojoj rech VAT: Are 11% pa ruwi' ri nimapuwq che kachajixik.
- Nimrajil puwaq pa jun junab' (APR): We katz'ib'ax ri rajil puwaq xuquje' ri VAT, are ri nimrajil puwaq pa jun junab' are jun 25.5%. Are ri nimrajil ri' rech utz kach'ob'exik ri k'isb'alil.
- Uq'ijol ri puwaq che kachajixik: Are ri puwaq kachajixik pa
150 k'a 180 q'ij . Are ri jutz'it uq'ijol ri' che kub'an ri k'amajay. - Utojb'anik puwaq: Ri ajch'ab'el kuto' ri puwaq pa junam, o pa keb' mul. Jun k'utb'al, we kach'ab'ex Q473, kato' Q236.5 pa keb' mul.
Man k'o ta jun jastaq rech uya'ik pa ruwi' ri puwaq che kachajixik, are puwaq che kachajixik che man k'o ta jun jastaq rech uya'ik pa ruwi' (unsecured microloans). Man k'o ta jun q'alajirsab'al che kach'aw pa ruwi' ri tojoj rech kano'j, o ri tojoj rech k'isb'alil che man xkoj ta pa uq'ijol.
Cholb'al rech Uch'ab'exik xuquje' Ri Po't
Are ri cholb'al rech uch'ab'exik puwaq pa Picchu Cash are jutz'it xuquje' kel pa ri po't. Man k'o ta jun ja pa taq tinamit rech uch'ab'exik puwaq.
Ri cholb'al rech uch'ab'exik pa po't:
- Po't: Are ri po't rech Picchu Cash k'o pa Android pa Google Play. K'o chi kajlajuj mil (10,000+) winaq xkitz'aj ri po't. Ri uk'u'xil ri po't k'o chi 3.8 k'a 4.0 ch'umil.
- Cholb'al rech uq'alajisaxik awib': Kajawaxik katz'ib'aj jun awachalib'al rech Iximulew. Katya' ri awib' xuquje' ri k'utb'al che kajawaxik.
- Uq'axexik puwaq: Ri k'amajay kub'an jun uq'axexik puwaq chi anim ruk'in jun k'ak' na'oj che kel pa ri k'utb'al rech ri po't. Are ri uq'axexik puwaq kel pa jutz'it q'ij, o pa jun jutz'it q'ij.
- Uya'ik puwaq: We xq'ax ri uch'ab'exik, are ri puwaq kepax pa ri ab'ank. Man k'o ta jun q'alajirsab'al che kach'aw pa ruwi' uya'ik puwaq pa k'amal b'e, o uya'ik pa q'ab'.
Ri po't k'o jun na'oj che uchajixik ri k'utb'al. K'o jun cholb'al rech uq'axexik ri tojoj pa po't.
Ub'antajik pa Taqanem xuquje' Ri Ajk'ay
Are ri Tangolab SAU kachak pa Iximulew, man k'o ta jun q'alajirsab'al che kach'aw pa ruwi' ri uya'b'al rech ri Superintendencia de Bancos rech Iximulew (SIB). Are ri k'amajay kachak pa jun k'ak' na'oj rech
Are ri k'amajay kachak pa ruwi' ri taqanem rech puwaq che kachajixik xuquje' ri uchajixik ri k'utb'al pa Iximulew. Ri tojoj rech VAT xuquje' ri rajil puwaq are k'o q'alajirsab'al pa ri po't.
Ri ajk'ay pa Iximulew:
Are ri Tangolab SAU kachak pa jun jutz'it puwaq che kachajixik. K'o jun jalajoj ajk'ay pa Iximulew, che kachak pa nimak'aj. Jun jalajoj ajk'ay are:
- Vana Financial Technologies (Vana)
- InterConsumo (Banco Industrial)
- Zigi (Banco Industrial)
Are ri Picchu Cash k'o jun k'ak' na'oj che uya'ik puwaq chi anim, pa jutz'it q'ij. Are ri puwaq che kachajixik are rech jutz'it k'isb'alil, che k'o jutz'it rajil, che man k'o ta kech'ab'ej ri ajk'ay.
Ri Na'oj xuquje' Taq Tz'ib'a'l rech Ri Ajch'ab'el
Ri tz'ib'a'l rech ri winaqil pa Google Play k'o chi 4.0 ch'umil. Ri winaqil katzijon pa ruwi' ri anim che kel ri puwaq, xuquje' ri jutz'it cholb'al. No'j, k'o jun jalajoj tz'ib'a'l che kach'aw pa ruwi' ri nimrajil rech VAT, xuquje' ri jutz'it rajil puwaq che kachajixik (Q500).
Man k'o ta jun q'alajirsab'al che kach'aw pa ruwi' ri uk'u'xil ri winaqil che kach'ab'ej ri k'amajay. Man k'o ta jun nimajay rech ajch'ab'el, are ri ajch'ab'el kachak pa email ([email protected]).
Na'oj pa ri ajch'ab'el:
We kach'ob'ej uch'ab'exik puwaq pa
- Ch'ob'ej ri nimrajil: Chach'ob'ej ri rajil puwaq xuquje' ri VAT, rech keta'maj ri nimrajil puwaq che kato'. Are jun nimrajil che k'o jun 25.5% pa jun junab'.
- Chach'ob'ej ri uk'isb'alil ri puwaq: Chach'ob'ej we k'o kub'an ri puwaq che kato' pa uq'ijol. Man katux ta pa jun nimak'aslemal.
- Chakojo' rech k'isb'alil che kajawaxik chi anim: Are ri puwaq rech jutz'it k'isb'alil, che k'o jun nimak'isb'alil. Man are ta rech kachak pa nimak'aslemal.
- Kach'ob'ej ri uq'ijol: Are ri puwaq kachajixik pa 150 k'a 180 q'ij. Man k'o ta jun jalajoj uq'ijol, o jun nim uq'ijol.
- Chach'ob'ej ri ajk'ay: Chach'ob'ej jun jalajoj ajk'ay pa Iximulew, rech keta'maj ri nimak'aj che kachak pa Iximulew.
Are Tangolab SAU (Picchu Cash) jun k'ak' na'oj che uya'ik puwaq che kachajixik pa k'amal b'e. No'j, are jun nimak'isb'alil che kajawaxik kach'ob'ex ri rajil puwaq, xuquje' ri uq'ijol ri puwaq. K'o jun utz ch'ob'onik rech kachak pa utz cholb'al.
