11/28/2023

Kwimeko eguquguqukayo yezemali zobuqu, abantu abanamanqaku etyala angaphantsi kunewawo bazifumana befuna iindlela zokuboleka imali.Esi sikhokelo sinikezelwe kwabo bajonga ummandla wemali-mboleko engalunganga, inika ingqiqo kwii-nuances zezi mveliso zemali, ukubaluleka kokuthelekisa, kunye nokuqwalaselwa kokwenza izigqibo ezinolwazi.

Ukuqonda iiMali-mboleko ezimbi

1. Inkcazo yeeMali-mboleko eziMabi:

• Iimali-mboleko ezibi ziimveliso zemali ezenzelwe ngokukodwa abantu abanamanqaku aphantsi okanye abanembali yemingeni yetyala.
• Ezi mboleko zibonelela ababoleki abanokujongana nobunzima bokufumana iimali-mboleko zemveli ngenxa yembali yabo yetyala.

2. Iindidi zeeMali-mboleko eziMabi:

• Imali-mboleko yoBuntu: Imali-mboleko engakhuselekanga enokusetyenziselwa iinjongo ezahlukeneyo, ngokufuthi kunye nenzala emiselweyo.
• Imali-mboleko yosuku lokuhlawula: Iimali-mboleko zexesha elifutshane ezinenzala ephezulu, edla ngokuhlawulwa ngosuku olulandelayo lokurhola lomboleki.
• Iimali-mboleko ezikhuselweyo: Imali-mboleko exhaswa sisibambiso, ibonelela ababolekisi ngezokhuseleko ezongezelelweyo.

Ukubaluleka kokuthelekisa iiMali-mboleko eziMabi

1. Amaxabiso enzala:

• Inzala kwimali-mboleko engalunganga inokwahluka kakhulu.Ukuthelekisa amaxabiso kunceda ukuchonga ezona ndlela zifikelelekayo kwaye kunciphisa iindleko zizonke zokuboleka.

2. ImiGaqo yeMbuyiselo:

• Ababolekisi abahlukeneyo banokunikezela ngemiqathango yokuhlawula eyahlukileyo.Kubalulekile ukuvavanya ixesha lemali-mboleko kwaye ukhethe ixesha elihambelana namandla akho emali.

3. Imirhumo kunye neeNtlawulo:

• Ngaphandle kwenzala, jonga iimali ezongezelelweyo kunye neentlawulo ezinxulumene nemali-mboleko.Oku kubandakanya imali yokuqalisa, intlawulo yokuhlawulwa kade, kunye nezohlwayo zentlawulo yangaphambili.

4. Ukuthembeka koMboleki:

• Vavanya ukuthembeka kwababolekisi abanikezela ngeemali-mboleko ezimbi.Jonga uphononongo, ubungqina, kwaye uqinisekise ukubambelela kwabo kwiindlela ezisesikweni zokuboleka imali.

5. Iimali zeMali-mboleko:

• Ababolekisi abohlukeneyo banokuba nemida eyahluka-hlukeneyo kwimali-mboleko abayinikezelayo.Thelekisa le mida ukuze uqinisekise ukuba imali-mboleko oyiqwalaselayo iyahlangabezana neemfuno zakho zemali.

6. Izixhobo ze-Intanethi kunye neZibonelelo:

• Sebenzisa izixhobo zokuthelekisa kwi-intanethi kunye nezixhobo ezihlanganisa ulwazi oluvela kubabolekisi abaninzi.Ezi zixhobo zinokuhlengahlengisa inkqubo yokuthelekisa kwaye zinike ingqiqo ebanzi.

Iingqwalasela Phambi Kokukhetha Imali Yemboleko Engalunganga

1. Ukufikeleleka:

• Vavanya imeko yakho yezemali ukumisela ukufikeleleka kwemali mboleko.Qwalasela ibhajethi yakho yenyanga kwaye uqinisekise ukuba iintlawulo zemali-mboleko ziyalawuleka.

2. Impembelelo kwiNqaku leTyala:

• Qonda ifuthe elinokubakho lemali-mboleko kumanqaku akho etyala.Ezinye iimali-mboleko ezimbi zinokubonelela ngamathuba ophuculo lwetyala ukuba zilawulwa ngokufanelekileyo.

3. Ikhuselwe vs. Ayikhuselekanga:

• Vavanya okulungileyo kunye nokungalunganga kweemali-mboleko ezimbi ezikhuselekileyo nezingakhuselekanga.Iimali-mboleko ezikhuselweyo zinokubonelela ngenzala ephantsi kodwa zibandakanye umngcipheko wokuphinda ufumane isibambiso.

4. Ukuthotyelwa koMgaqo:

• Qinisekisa ukuba ababolekisi bayayithobela imigangatho yolawulo.Ukuqinisekisa ukuba banelayisenisi kwaye bagunyaziswe ukuba babonelele ngeenkonzo zemali.

5. Phuma kwizicwangciso:

• Qwalasela ukuba bhetyebhetye kwimali-mboleko malunga nokuhlawula kwangaphambili.Ezinye iimali-mboleko zisenokuba nezohlwayo zokuhlawula kwangaphambili, ngoxa ezinye zinika inkululeko yokuhlawula ityala kwangethuba.

Ukwenza Izigqibo Ezinolwazi

Ekulandeleni iimali-mboleko ezimbi, ukwenza izigqibo ezizizo zibalulekile.Ngokuthelekisa ngenkuthalo imiba eyahlukeneyo yale mveliso yezemali, ababoleki banokubona ezona zikhetho zifanelekileyo kwiimeko zabo ezizodwa.Ukususela kumazinga enzala kunye nemiqathango yokuhlawula ukuya kwintembeko yombolekisi kunye nokuthotyelwa kwemithetho, into nganye idlala indima ebalulekileyo ekumiseleni ukusebenza ngokupheleleyo kwemboleko.Yamkela ithuba lokuphucula imeko yakho yezemali ngelixa ujonga imeko eyahlukeneyo yemali mboleko embi ngokuzithemba nangokucacileyo.

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.