11/02/2023

Xa kufikwa ekubolekeni imali, ukufumana umntu obolekisa ngemali ngeendlela eziguquguqukayo zexabiso kunokwenza umahluko omkhulu kuhambo lwakho lwezemali.Aba babolekisi banikezela ngeendlela ezahlukeneyo zokhetho xa kufikwa kumazinga enzala, imiqathango yemali-mboleko, kunye nokhetho lokubuyisela, ukuvumela ababoleki ukuba balungelelanise iimali-mboleko zabo kwiimfuno kunye neemeko zabo ezizodwa.Kwesi sikhokelo sibanzi, siza kuphonononga ingqikelelo yababolekisi ngexabiso eliguquguqukayo onokukhetha kulo, izibonelelo abazinikezelayo, kunye nendlela yokufumana okufanelekileyo kwiimfuno zakho zokuboleka.

Ukuqonda iiKhetho zeXabiso eziguquguqukayo

Ababolekisi abaneenketho zexabiso eliguquguqukayo bayaqonda ukuba isayizi enye ayihambelani nayo yonke into xa kufikwa kwimali-mboleko.Banika ababoleki uluhlu lokukhetha ukwenza ngokweemeko zabo mboleko kunye namaxabiso ukuze zihambelane neenjongo zabo zemali.Nazi ezinye zeendlela zokubeka amaxabiso onokuthi uhlangane nazo:

1. Inzala eguquguqukayo

Ababolekisi abaguquguqukayo bahlala bebonelela ngeendlela ezahlukeneyo zenzala ukongeza kumazinga amiselweyo.Amazinga aguquguqukayo anokuba luncedo kwabo bakholelwa ukuba amazinga enzala emarike anokwehla kwixesha elizayo.

2. Imigaqo yeMali-mboleko enokwenziwa ngokwezifiso

Unokukhetha kwimiqathango eyahlukeneyo yemali-mboleko, efana neminyaka eli-15, engama-20, okanye engama-30, ekuvumela ukuba utshatise ixesha lemali-mboleko kwiimfuno zakho ezithile kunye nohlahlo lwabiwo-mali.

3. Inzala-Kuphela Iintlawulo

Abanye ababolekisi ababhetyebhetye banikezela ngokhetho lokwenza intlawulo yenzala kuphela kangangexesha elithile, nto leyo enokuthoba intlawulo yakho yokuqala yenyanga.

4. Akukho Izohlwayo zeNtlawulo

Ababolekisi abaninzi ababhetyebhetye abanyanzelisi izohlwayo zokuhlawula kwangaphambili, nto leyo evumela ababoleki ukuba bahlawule imali-mboleko yabo kwangoko ngaphandle kokufaka imali eyongezelelweyo.

Izinto eziluncedo zababolekisi ngoKhetho lweXabiso oluGuquguqukayo

Ukukhetha umbolekisi onokukhetha amaxabiso aguquguqukayo kunokubonelela ngeenzuzo ezininzi, kubandakanya:

1. Iimali-mboleko ezilungiselelweyo

Unokwenza imali mboleko yakho ihambelane nemeko yakho yezemali kunye neenjongo, uqinisekise ukuba iyahambelana neemfuno zakho ezizodwa.

2. Ukuziqhelanisa neemeko

Aba babolekisi banokuvumela utshintsho kwiimeko zakho zemali, benze uhlengahlengiso kwimali-mboleko yakho xa kuyimfuneko.

3. Ugcino lweendleko

Unokuba namathuba okonga imali ngokusebenzisa inzala ephantsi okanye ukwenza iintlawulo ezongezelelweyo xa kunokwenzeka ngokwemali.

4. Ukhuseleko lwezeMali

Iinketho zamaxabiso eziguquguqukayo zinokubonelela ngomnatha wokhuseleko, kukuvumela ukuba ulungelelanise imali mboleko yakho ukuba ufumana imingeni yemali engalindelekanga.

Ukufumana uMboleki oLungileyo

Xa ukhangela umntu obolekisa ngemali onokukhetha amaxabiso aguquguqukayo, nanga amanyathelo okuqwalasela:

1. Phanda kwi-Intanethi

Qala ngokuqhuba uphando lwe-intanethi ukuchonga ababolekisi abaziwayo ngokunikezela ngemiqathango eguquguqukayo kunye namazinga okhuphiswano.

2. Funda uPhononongo

Jonga uphononongo kunye nobungqina obuvela kubaboleki bangaphambili ukulinganisa isidima somboleki kunye nokwaneliseka kwabathengi.

3. Dibana nababolekisi

Qhagamshelana nababolekisi abanokubakho kwaye ubuze malunga neendlela zabo zokubeka amaxabiso eziguquguqukayo.Buza malunga namazinga aguquguqukayo, ukulungiswa kwexesha lemali-mboleko, kunye nezohlwayo zokuhlawula kwangaphambili.

4. Thelekisa uNikelo

Qokelela unikezelo lwemali-mboleko kubabolekisi abaninzi kwaye uthelekise imiqathango, inzala, kunye nokuguquguquka abakunikezayo.

5. Funa iNgcebiso yobuGcisa

Cinga ngokubonisana nomcebisi wezezimali okanye ingcali yezemali mboleko enokukunceda ujonge imeko yokuboleka kwaye ukhethe umbolekisi ofanelekileyo kwiimfuno zakho.

Ukuqukumbela

Ababolekisi abaneenketho eziguquguqukayo zamaxabiso banika ababoleki inkululeko yokulungisa iimali-mboleko zabo kwiimeko zabo zemali ezizodwa kunye neenjongo.Xa ukhangela umbolekisi ofanelekileyo, thatha ixesha lakho lokuphanda, thelekisa izibonelelo, kwaye uqwalasele ifuthe lexesha elide lemali mboleko yakho.Ukuguquguquka okubonelelwa ngaba babolekisi kunokwenza umahluko omkhulu kwintlalontle yakho yezemali kunye noxolo lwengqondo.

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.