Arrears

Iintsalela zineentsingiselo ezimbini ezahlukileyo kwezemali, kwaye zidla ngokubhidaniswa kuba enye imbi ize enye ingathathi cala ngokupheleleyo.

1. Izixa-mali eziphuzileyo. Umboleki "osemva kwexesha" uye wasilela ukuhlawula izixa-mali ngexesha elifanelekileyo. Ibhalansi yeentsalela sisambuku sayo yonke into ephuzileyo ngoku.
2. Intlawulo ekupheleni kwexesha. Intlawulo eyenziwa "emva kwexesha" yenziwa emva kwexesha elinxulumene nalo, kungekhona kwangaphambili. Inzala ehlawulwa emva kwexesha, okanye umvuzo ohlawulwa ekupheleni kwenyanga, oku akuthethi kuphuza — kuhlelwe nje ukuba kuhlawuleke emva kokuba inkonzo okanye ixesha lokuboleka ligqithile.

Intsingiselo yokuqala ithetha ingxaki. Eyesibini yindlela eqhelekileyo yokuhlawula kwaye ayithethi nto malunga nokuba umhlawuli usemva na.

Iintsalela (eziphuzileyo)

• Intsingiselo: Iintlawulo ebekufanele ukuba zenziwe zaye zingekwenziwanga
• Ithetha umngcipheko wokusilela? Ewe
• Umzekelo: Izavenge ezintathu ezingekahlawulwanga ezifikelela kwi-3,600
• Isichasi: Okwangoku, ingekaphuzi

Intlawulo emva kwexesha (ixesha)

• Intsingiselo: Iintlawulo ezihlawuleka ekupheleni kwexesha ezinxulumene nalo
• Ithetha umngcipheko wokusilela? Hayi
• Umzekelo: Inzala kaJanuwari ebiziweyo yaye ihlawuleka ngomhla wama-31 kuJanuwari
• Isichasi: Ihlawulwe kwangaphambili

Intsingiselo 1: Izixa-mali Eziphuzileyo

Yintoni Eyenza Ibhalansi Yeentsalela

Ibhalansi yeentsalela sisambuku sayo yonke into ephuzileyo ngoku — hayi ibhalansi eseleyo yemali-mboleko.

• Inqununu ephuzileyo: Inxalenye yenqununu yezavenge eziye zafikelela ixesha lokuhlawulwa kodwa zingahlawulwanga
• Inzala ephuzileyo: Inxalenye yenzala yezo zavenge
• Iifizi zentlawulo ephuzileyo / izohlwayo: Iintlawulo ezibizwa ngenxa yeentlawulo eziphuzileyo, ngokuxhomekeke kuwo nawuphi na umda obekiweyo wolawulo
• Ezinye iintlawulo eziphuzileyo: Iipremiyamu ze-inshorensi, iindleko zokuqokelela amatyala okanye ezinye iifizi apho isivumelwano sivumela khona

Umzekelo Osebenzayo

Umboleki uphosile izavenge ezintathu zenyanga ezizi-1,200 inye. Isavenge ngasinye siqulathe i-800 yenqununu ne-400 yenzala. Iifizi zokuphuza ezizi-60 ngentlawulo nganye ephosiweyo zifakiwe.

• Inqununu eshiywe lixesha (3 × 800): 2,400
• Inzala eshiywe lixesha (3 × 400): 1,200
• Iintlawulo zokulibala (3 × 60): 180
• I-arrears iyonke: 3,780
• Ibhalansi eseleyo iyonke kwimali-mboleko: 14,500

I-arrears ye-3,780 ayifani ne-exposure ye-14,500. Inani le-arrears yimali eshiywe lixesha ngoku; ibhalansi eseleyo yimali epheleleyo esele isafuneka, kuquka izavenge ezingekafiki ixesha lazo. Ukubhida ezi zinto zimbini yeyona mpazamo ixhaphakileyo ebandakanya eli gama — kwaye siseso sizathu sokuba izinga le-arrears liwuthobe umngcipheko wetyala, njengoko kuchaziwe ngezantsi.

I-Arrears, Ukwephuza ukuhlawula kunye neeNtsuku eziDlulileyo

Amagama amathathu anxulumeneyo achaza imilinganiselo eyahlukeneyo yemeko enye:

• I-Arrears (Isixa): Iphendula ukuba yimalini eshiywe lixesha?
• Ukwephuza ukuhlawula (Imo): Iphendula ukuba imali-mboleko ilibele?
• Iintsuku ezidlulileyo / DPD (Ixesha): Iphendula ukuba kudala kangakanani ilibele?

Imali-mboleko ene-arrears ye-3,780, elibele, ekwi-85 DPD yimali-mboleko enye echazwa ngeendlela ezintathu. Ingxelo kufuneka ibandakanye zontathu, kuba nganye iqhuba izigqibo ezahlukeneyo: isixa siqhuba usukelo lokubuyisa, imo iqhuba ukuhlelwa, kwaye ubudala buqhuba isicwangciso sokuphatha.

Izinga le-Arrears nokuba Kutheni Lilahlekisa

Izinga le-arrears = I-arrears iyonke / Ipotfoliyo yemali-mboleko epheleleyo × 100

Lo mlinganiselo uyaqondakala ngokwendalo kwaye ucatshulwa ngokubanzi, kwaye uwuthoba ngendlela ecwangcisiweyo umngcipheko wetyala — ngokufuthi ngokuphindwe kane okanye kahlanu.

Isizathu silandela ngqo kumzekelo ongasentla. Ukubala kuphela i-3,780 eshiywe lixesha kuthatha i-10,720 eseleyo kuloo mboleko njengekhuselekileyo, kanti eneneni ukusilela komboleki ukuhlawula kubeka yonke ibhalansi emngciphekweni. Ipotfoliyo esengozini, ebalayo ibhalansi epheleleyo eseleyo yayo nayiphi na imali-mboleko ene-arrears, yindlela eqhelekileyo kanye kuba ithintela oku kugqwetha.

Sebenzisa inani le-arrears kwinto elilungele yona — ukulinganisa usukelo lokuqokelela olukhawulezileyo nokulandelela ukuhamba kwezixa ezishiywe lixesha — kwaye usebenzise i-PAR kwingxelo yomgangatho wetyala.

Ukuphatha Ibhalansi ye-Arrears

Ukwabiwa kwentlawulo. Xa intlawulo engaphelelanga ifika, i-waterfall igqiba ukuba icima ntoni — iifizi, emva koko inzala, emva koko inqununu, okanye i-arrear endala kuqala, ngokuxhomekeke kwisivumelwano nomgaqo-nkqubo. Oku kugqiba kokubini ibhalansi ye-arrears eseleyo ne-DPD exeliweyo, ngoko ke ingqiqo yokwabiwa kufuneka ichazwe kwaye isetyenziswe ngokungaguqukiyo.

Izaziso ze-arrears. Iindawo ezininzi zolawulo zifuna ukuba ababolekisi bazise ababoleki nge-arrears kwixesha elimiselweyo, bechaza isixa esishiywe lixesha, indlela esibalwe ngayo, iintlawulo ezisetyenzisiweyo kunye neziphumo zokungahlawuli. Iimfuno ziyahluka kwaye kufuneka ziqinisekiswe ekuhlaleni.

Inzala yokungahlawuli kunye nemida yezohlwayo. Iintlawulo ezisetyenziswa kumatyala asemva kwexesha zihlala zilinganiselwa ngumthetho, kwaye kwezinye iindawo iintlawulo zizonke azinakodlula ukuphindwa kwemali-mboleko eyintloko. Ukusebenzisa izohlwayo ezongeza ibhalansi esele ingenakuhlawuleka kungumngcipheko wokuziphatha kwaye ngokuqhelekileyo kuthintela ukubuyiswa kwetyala.

Ukongezwa kwetyala elisemva kwimali-mboleko eyintloko. Xa kulungiswa isivumelwano, amatyala asemva anokongezwa kwimali-mboleko eyintloko aze ahlahlelwe ngokwexesha elitsha lokuhlawula. Oku kususa ibhalansi yetyala elisemva kwaye kuqala ngokutsha iintsuku zokudlula kwexesha — yiloo nto ukongezwa kwetyala elisemva kufuneka kuchazwe njengokulungiswa kwengxaki yokuhlawula kunokuba kuthathwe njengokulungisa. Isibopho esipheleleyo somboleki siyanda, kwaye ukuhlelwa komngcipheko wemali-mboleko akufuneki kuphucuke ngenxa nje yokuba umgca wetyala elisemva ngoku awunanto.

Ukhawuleziso lwetyala. Uninzi lwezivumelwano zemali-mboleko luvumela umbolekisi, emva kwexesha elimiselweyo lokungahlawuli, ukuba abhengeze ukuba yonke ibhalansi eseleyo ihlawulwe ngoko nangoko. Ukhawuleziso luguqula inani letyala elisemva libe lityala elipheleleyo, kwaye ngokuqhelekileyo lusandulela unyanzeliso.

Intsingiselo 2: Paid in Arrears

Intsingiselo yokuthi "Paid in Arrears"

Intlawulo ehlawulwa ngasemva ihlawuleka ekupheleni kwexesha ebhekiselele kulo. Intlawulo ehlawulwa kwangaphambili ihlawuleka ekuqaleni.

Imizekelo eqhelekileyo:

• Inzala ehlawulwa ngasemva — inzala yexesha elithile iyahlawuliswa kwaye ihlawulwa ekupheleni kwelo xesha. Le yindlela eqhelekileyo kuninzi lwemali-mboleko zexesha.
• Umvuzo ohlawulwa ngasemva — uhlawulwa ekupheleni kwenyanga ngaloo nyanga umsebenzi usandula ukwenziwa.
• Irenti ehlawulwa kwangaphambili — yeyona ndlela iqhelekileyo yokuhlawula irenti, ehlawulwa ekuqaleni kwexesha lokuhlala.
• Izabelo zeenzuzo kunye namakhuphoni — ngokuqhelekileyo zihlawulwa ngasemva kwixesha eziqokelelwe ngalo.

Akukho nanye kwezi ethetha ukuba kukho ukwephuza. Umboleki ohlawula inzala ngasemva ngomhla wokuhlawula akashiyanga kwaphela.

Kutheni Oku Kubalulekile Kuxabiso Lwemali-mboleko

Indlela yokumisela amaxesha ichaphazela iindleko ezisebenzayo zemali-mboleko, kwanaxa izinga elichaziweyo lilingana.

I-annuity eqhelekileyo (iintlawulo ezingasemva) inesavenge ngasinye esifika ekupheleni kwexesha ngalinye. I-annuity ehlawulwa kwangaphambili (iintlawulo ezihlawulwa kwangaphambili) inesavenge ngasinye esifika ekuqaleni. Ngenxa yokuba iintlawulo ezihlawulwa kwangaphambili zifunyanwa kwangoko, umbolekisi ubamba imali yomboleki ixesha elide, kwaye izinga lenzala elisebenzayo kwishedyuli yokuhlawula kwangaphambili liphezulu kunakwishedyuli yokuhlawula ngasemva ngezinga elichaziweyo elifanayo.

Le yingxaki eqhubekayo yokungabi mfungeko koxabiso kwiimali-mboleko ezincinci, apho isavenge sokuqala esithathwa ngexesha lokukhutshwa kwemali, okanye intlawulo etsalwa kwangaphambili, inyusa kakhulu izinga elisebenzayo ngaphezu kwezinga elichaziweyo. Ukubhengezwa kwexabiso ngokucacileyo — izinga lenzala elisebenzayo okanye iindleko zizonke zetyala ezibalwe ngokuhamba kwemali kwangempela — kukwenza ezi zinto zithelekiseke.

Umgaqo ofanayo usebenza kwinzala yesaphulelo, apho inzala itsalwa kwimali ekhutshiweyo kunokuba iqokelelwe ngexesha lokuboleka. Umboleki ufumana imali engaphantsi kunesixa esibhaliweyo ngelixa ehlawula isixa esipheleleyo, nto leyo inyusa izinga elisebenzayo ngokuphawulekayo ngaphezu kwelo lichaziweyo.

Imigibe Eqhelekileyo

• Ukubhidanisa i-arrears nebhalansi eseleyo: I-arrears yimali ekudala ifanele ukuhlawulwa ngoku; ibhalansi eseleyo ibandakanya izavenge ezingekafiki ixesha lazo.
• Ukucaphula izinga le-arrears njengomlinganiselo womgangatho wetyala: Kuwujongela phantsi umngcipheko kakhulu xa kuthelekiswa nePAR.
• Ukuthatha ukongeza kwinqununu njengonyango: Ukudibanisa i-arrears kwinqununu kucima umgca we-arrears ngaphandle kokuphucula imeko yomboleki, kwaye kumisela ngokutsha iDPD.
• Ukucinga ukuba "i-arrears" kuthetha ukuba emva kwexesha: Kwimeko yokumiselwa kwamaxabiso okanye yemivuzo, ichaza ixesha, hayi ukusilela ukuhlawula.
• Ukungahoyi ingqiqo yolwabiwo: Apho ulandelelwano lweentlawulo luhlawula iifizi kuqala, imali inokufunyanwa ngeli lixa ibhalansi ye-arrears kwizavenge ingahambi kangako.
• Ukuthelekisa amazinga abhaliweyo kumaxesha ahlukeneyo okuhlawula: Iishedyuli zokuhlawula kwangaphambili nezasemva kwexesha ngezinga elifanayo elibhaliweyo aziizo iindleko ezilinganayo.
• Ukuvumela iintlawulo zokohlwaya zongezelelane: Iibhalansi ze-arrears ezinyuswe ziifizi ziba ngokufuthi zingakwazi ukubuyiswa, nto leyo eguqula ingxaki yokuqokelela ibe kukucinywa kwetyala.

Imibuzo Ebuzwa Rhoqo

Ngaba ukuba se-arrears kuyafana nokuba kwi-default?

Hayi. I-arrears iqala ngentlawulo yokuqala ephuthelweyo. I-default kukugqitha kumda omiselweyo — ngokwesiqhelo iintsuku ezingama-90 emva komhla wokuhlawula — apho iziphumo ezithile zekhontrakthi nezokubalwa kwemali zisebenza.