Imali-mboleko yomvuzo / yomhla wokuhlawulwa

I-salary advance okanye i-payday loan yimali-mboleko encinci, yexesha elifutshane ejoliswe ukuba ihlawulwe ngokupheleleyo kumvuzo olandelayo womntu obolekayo. Ixesha layo lihambelana nomjikelo wokuhlawulwa — ngokuqhelekileyo ziintsuku ezili-14 ukuya kwezingama-30 — kwaye isixa siyinxalenye yomvuzo oseleyo olindelekileyo.

La magama mabini adla ngokusetyenziswa ngokutshintshanayo, kodwa achaza iimveliso ezinezakhiwo neendleko ezahlukileyo kakhulu:

• I-salary advance idla ngokuququzelelwa ngomqeshi okanye ngumbolekisi onokufikelela kwi-payroll, kwaye ihlawulwa ngokutsalwa emthonjeni. Ngenxa yokuba intlawulo iphantse iqiniseke, ixabiso liphantsi ngokuthelekisa.
• I-payday loan yimveliso yorhwebo ezimeleyo, ehlawulwa nge-debit order okanye ngokutsalwa okuvunyelwe kwangaphambili kwi-akhawunti yomboleki. Intlawulo ayiqinisekanga, kwaye ixabiso liphezulu kakhulu.

Umahluko ubaluleke ngaphezu kokubizwa kwegama. Into emisela indleko yile indlela intlawulo ekhuseleka ngayo, hayi ukuba imveliso ibizwa njani.

Iindidi eziphambili

• I-salary advance yomqeshi: Ihlawulwa ngokutsalwa emvuzweni ngumqeshi. Iindleko ziphantsi okanye azikho; umngcipheko wetyala uphethwe ngumqeshi.
• Imali-mboleko ye-check-off / yokutsalwa emvuzweni: Umqeshi okanye i-arhente yemivuzo ithumela intlawulo ngqo kumbolekisi. Iindleko ziphakathi; umngcipheko wetyala uphethwe kukuthunyelwa kwemali ngumqeshi kunye nexesha lokuqeshwa komboleki.
• Ukufikelela kumvuzo osele ufunyenwe (EWA): Kutsalwa kumjikelo wokuhlawula olandelayo. Iindleko yintlawulo emiselweyo ngokutsalwa ngakunye; umngcipheko wetyala uphethwe ngumqeshi/umnikezeli.
• I-payday loan: Ihlawulwa nge-debit order okanye ngokutsalwa okuvunyelwe kwangaphambili kwi-akhawunti. Iindleko ziphezulu kakhulu; umngcipheko wetyala uphethwe ngumbolekisi.

Indlela i-payday loan esebenza ngayo

1. Umboleki wenza isicelo ngobungqina bomvuzo kunye ne-akhawunti yebhanki esebenzayo okanye i-wallet yefowuni.
2. Umbolekisi unikezela isixa esilinganiswe nomvuzo oseleyo olindelekileyo.
3. Umboleki ugunyazisa intlawulo ngomhla wokuhlawulwa olandelayo — ngokwembali kwakuyitshekhi enomhla olandelayo, ngoku ngokuqhelekileyo ligunya le-debit order okanye ugunyaziso olusisigxina.
4. Ngomhla wokuhlawulwa isixa esiyintloko esipheleleyo kunye nomrhumo siqokelelwa ngentlawulo enye enkulu yokugqibela.
5. Ukuba i-akhawunti ingenamali eyaneleyo, umbolekisi angaphinda azame ukuqokelela, abize intlawulo yokulibala, kwaye anike ukwandiswa kwetyala — ukwandisa imali-mboleko ngomnye umjikelo ngokutshintshiselana ngomnye umrhumo.

Ulwakhiwo lwentlawulo enye lusisiphako soyilo. Umboleki owayengakwazi ukugubungela intsilelo evela kumvuzo omnye ngoku uyacelwa ukuba agubungele loo ntsilelo kunye nomrhumo kumvuzo olandelayo, kungekho kuncitshiswa kwisikhewu esisisiseko.

Indlela ukusebenza kokubolekisa nge-check-off

I-check-off okanye ukubolekisa ngokutsalwa emvuzweni yeyona mveliso iphambili yababoleki abahlawulwa umvuzo kwiimarike ezininzi, ngakumbi phakathi kwee-SACCO, iimanyano zamatyala kunye namaziko emali-mboleko encinci abolekisa abasebenzi becandelo likarhulumente.

Umbolekisi wenza isivumelwano nomqeshi okanye i-arhente yomvuzo. Ekuvunyweni, intsalwa ibhaliswa kwirekhodi yomvuzo yomboleki kwaye ithunyelwa ngqo kumbolekisi kwithuba ngalinye lokuhlawula, phambi kokuba umqeshwa afumane umvuzo oseleyo.

Oku kuyitshintsha ngokusisiseko iprofayili yomngcipheko. Umboleki akaze alawule imali, ngoko ke ukuzimisela ukuhlawula kususwa kakhulu kwinxaki. Umngcipheko welahleko ufudukela kwimithombo eyahlukeneyo:

• Umngcipheko wokuthunyelwa ngumqeshi — intsalwa iyathathwa kodwa ayithunyelwa kumbolekisi.
• Umngcipheko wokuphuma — umboleki uyarhoxa, uyagxothwa, uthatha umhlala-phantsi okanye uyasweleka, kwaye umjelo wentsalwa uyema phakathi kwixesha.
• Ukufumba kweentsalwa — ababolekisi abaninzi baneemvume ze-check-off kumvuzo omnye.
• Ukusilela kolawulo — iintsalwa ziyekwa ngexesha lotshintsho lwenkqubo yomvuzo okanye ukutshintshelwa.

Uninzi lweendawo zolawulo lubeka umda kwiintsalwa zizonke zomvuzo njengesabelo somvuzo oseleyo — ngokuqhelekileyo malunga nesinye kwisithathu — ukuqinisekisa isixa esincinci esiseleyo. Apho ukunyanzeliswa kubuthathaka, ababoleki banokugqibela beneentsalwa ezininzi ngaxeshanye kunye nomvuzo oseleyo omncinci kakhulu, nto leyo engunobangela ophambili wokusilela ukuhlawula ngokurhoxa emsebenzini.

Ukufikelela kumvuzo osele ufunyenwe

Ukufikelela kumvuzo osele ufunyenwe (EWA) kuvumela umqeshwa ukuba athathe umvuzo asele ewufumene kodwa engekahlawulwa, ngokuqhelekileyo ngentlawulo emiselweyo ngokutsalwa ngakunye endaweni yenzala. Ngenxa yokuba umqeshwa efikelela kumvuzo osele ewufumene endaweni yokuboleka ngokuchasene neengeniso zexesha elizayo, ezinye iindawo zolawulo zithatha i-EWA njengenkonzo yomvuzo endaweni yetyala — ulwahlulo oluchaswa ngamandla, kuba intlawulo yentengiselwano nganye kwi-advance emfutshane iba njengenzala xa ibalwa ngonyaka.

Ubalo lweendleko

Ukubolekisa ngomhla wokuhlawula kuchazwa njengentlawulo emiselweyo kwisixa ngasinye esibolekwayo, nto leyo efihla iindleko ezibalwa ngonyaka.

Isakhiwo esiqhelekileyo yintlawulo ye-15 kwi-100 ebolekiweyo, kwiintsuku ezili-14:

Period rate  = 15 ÷ 100 = 15% over 14 days
Simple APR   = 0.15 × (365 ÷ 14) = 391%

Ukuba imali-mboleko iyandiswa ngokuqhubekayo unyaka wonke:

Effective annual rate = (1.15)^(365÷14) − 1 ≈ 3,600%

Umsantsa phakathi kwe-"15%" kunye ne-ireyithi esebenzayo ekumawaka yiyo yonke inkxalabo yolawulo ngale mveliso.

Izibalo ezihambelanayo kwimali-mboleko etsalwa emvuzweni zahluke kakhulu. I-36% ngonyaka imali-mboleko yentsalela enciphalayo kwiinyanga ezili-12 xa kutsalwa emthonjeni yimali-mboleko eqhelekileyo yezavenge — ngexabiso eliphantsi ngokuphindwe kaninzi, kuba ukutsalwa emthonjeni kususe umngcipheko owawuhlawulelwa yintlawulo ephezulu.

Kutheni amaxabiso emali-mboleko yomhla wokuhlawula enje

Iimbangela ezimbini ezinyanisekileyo zeendleko, kunye nengxaki yesakhiwo enye:

• Iindleko ezisisigxina ngemboleko nganye. Ukuqaliswa kwemali-mboleko, ukuqinisekiswa, ukuqokelelwa nokunakekelwa kubiza phantse ngokufanayo kwimali encinci ebolekiweyo njengakwimali-mboleko enkulu, nakwinqununu encinci kakhulu ethi yodwa idle iipesenti ezininzi.
• Amazinga aphezulu elahleko. Ukubolekisa okungaxhaswanga kubaboleki abangenayo imali egciniweyo yokuzikhusela kunamazinga aphezulu okungahlawulwa, kwaye phantse akukho mbuyekezo.
• Ingeniso egxile ekubolekeni okuphindaphindiweyo. Abalawuli kwiindawo ezininzi zolawulo bafumanise ukuba uninzi lwengeniso yemali-mboleko yomhla wokuhlawula luvela kubaboleki abayihlaziyayo okanye abaphinda baboleke ngokuphindaphindiweyo kunokuba luvele kubasebenzisi bomjikelo omnye. Oku kudala inkuthazo yezorhwebo engahambelani nokuhlawulwa kwetyala ngumboleki — le yinkcaso yesakhiwo ngakumveliso, eyahlukileyo kwinqanaba lentlawulo.

Imingcipheko kubaboleki

• Umjikelo wokuhlaziya. Uhlaziyo ngalunye longeza intlawulo ngaphandle kokunciphisa inqununu. Iintlawulo ezihlawulweyo zinokugqitha imali eyayibolekiwe ekuqaleni.
• Ukuphindaphindeka kweenzame zokuqokelela. Iinzame eziphindaphindiweyo zokutsalwa kwemali ezingaphumelelanga zinokudala iintlawulo ezininzi zokungonelwa yimali ezivela kwibhanki yomboleki ngokwakhe, nto leyo eyandisa intsilelo.
• Umothuko wembuyekezo enkulu yokugqibela. Inqununu epheleleyo kunye nentlawulo ziphuma kwi-akhawunti ngomhla wokuhlawula zinokudala kanye isikhewu esibangela imali-mboleko elandelayo.
• Ukutsalwa okugqithisileyo. Kwimali-mboleko etsalwa emvuzweni, iimvume zokutsalwa ezibekwe enye phezu kwenye zingawunciphisa umvuzo oseleyo ube ngaphantsi komgangatho wokuphila, nangona imali-mboleko nganye yayinokuhlawuleka ngokwayo.
• Ukudityaniswa nengqesho. Xa imali-mboleko ixhomekeke emsebenzini, ukuphulukana nomsebenzi kukhawulezisa ityala ngexesha elibi kakhulu.
• Iziphumo kwifayile yetyala. Ukungahlawulwa kuxelwa kumaziko erekhodi yetyala kwiimarike ezininzi ezilawulwayo, nto leyo ethintela ukufikelela kwimali-mboleko enexabiso eliphantsi kangangeminyaka.

Ulawulo

Ukubolekisa ngemali-mboleko yomhla wokuhlawula nange-advance yomvuzo kuphakathi kwezona ntlobo zetyala labathengi zilawulwa kakhulu. Amanyathelo aqhelekileyo aquka:

• Imida yenzala kunye neendleko zizonke, edla ngokuchazwa njengophinda-phindo oluphezulu lwenqununu ukuze iintlawulo zizonke zingagqithi kwimali ebolekiweyo
• Imida yokuhlaziya — inani eliphezulu lohlaziyo, okanye ukuthintelwa ngokupheleleyo
• Amaxesha okuphola phakathi kweemali-mboleko ezilandelelanayo
• Uvavanyo olusisinyanzelo lokukwazi ukuhlawula, olufuna ukuba umbolekisi aqinisekise ukuba ukuhlawula kunokwenzeka ngaphandle kobunzima
• Imida yokutsalwa emvuzweni, ukukhusela ubuncinane bepesenti yomvuzo oseleyo
• Oovimba beenkcukacha zeemboleko ngexesha lokwenyani, ukuthintela ukuboleka ngaxeshanye kubabolekisi abaninzi
• Imigaqo yokuziphatha yokuqokelela amatyala, ukunciphisa iinzame eziphindaphindiweyo zokutsalwa kwemali neendlela zokunxibelelana
• APR iimfuno zokubhengezwa, ukuze indleko yonyaka ibonakale ecaleni komrhumo osisigxina

Imida ethile, imilinganiselo kunye nemigangatho zibekwa kuzwelonke kwaye ziyahluka kakhulu — ezinye iindawo zolawulo ziyayivumela imveliso phantsi kwemiqathango, ezinye ziye zayithintela ngokwenene ngemida yezinga lenzala.