Imali-mboleko yokongeza

Imali-mboleko yokongezwa yityala elongezelelweyo elinikwa umboleki osele enemali-mboleko ekwimo entle kumbolekisi ofanayo. Endaweni yokwenza isicelo senye indlela yokuboleka entsha, umboleki wonyusa isixa-mali asele esibolekile — ngokuqhelekileyo emva kokuba inxalenye yemali-mboleko yokuqala ihlawulwe.

Kukwabizwa nangokuthi ukwandiswa okuqhubekayo, ukongezwa okongezelelweyo, ukwandiswa kwemali-mboleko okanye ukuboleka kwakhona, kuxhomekeke kwimarike nakwimveliso.

Iimali-mboleko zokongezwa ziphakathi kweemveliso eziqhelekileyo kubolekiso lwabahola umvuzo, olutsalwa emvuzweni nolwemali encinci, kuba ziyakhawuleza kumboleki kwaye zinexabiso eliphantsi kumbolekisi: umthengi sele echongiwe, sele evavanyiwe, kwaye sele ebonakalisile indlela ahlawula ngayo.

Iindlela ezimbini

Ukongezwa okuhambelanayo (akuxhaphakanga kangako)

• Indlela yokusebenza: Imali-mboleko entsha ihamba ecaleni kwaleyo ikhoyo.
• Izavenge: Iintlawulo ezimbini ezahlukeneyo.
• Umda wexesha: Imali-mboleko nganye igcina owalo umhla wokuphela.
• Amaxwebhu: Kusayinwa isivumelwano esitsha; esokuqala sihlala singachukunyiswanga.

Ukuhlawula nokuphinda kukhutshwe (eyona ndlela ixhaphakileyo)

• Indlela yokusebenza: Intsalela ekhoyo iyahlawulwa kwaye kukhutshwe imali-mboleko entsha enkulu.
• Izavenge: Intlawulo enye edityanisiweyo.
• Umda wexesha: Ixesha liphinda liqale kwisixa-mali esipheleleyo esidityanisiweyo.
• Amaxwebhu: Isivumelwano sokuqala siyavalwa; isivumelwano esitsha sithatha indawo yaso.

Indlela yokuhlawula nokuphinda kukhutshwe yiyo ethethwa ngababolekisi abaninzi xa besithi kukongezwa, kwaye yindlela yayo yokusebenza emisela iindleko zokwenyani.

Indlela esebenza ngayo ukuhlawula nokuphinda kukhutshwe — kunye nezibalo

Umzekelo. Umboleki uthathe imali-mboleko ye-$5,000 kwiinyanga ezingama-24. Emva kweenyanga ezili-12 zeentlawulo, intsalela eseleyo yi-$2,700. Ngoku ufuna i-$3,000 ngaphezulu.

Umbolekisi akabolekisi $3,000. Ukhupha imali-mboleko entsha ye-$5,700, ekuthi kuyo:

Settlement of old balance   = $2,700
Net cash to the borrower    = $3,000
Gross new loan              = $5,700

Ixesha lihlehliselwa kwiinyanga ezingama-24 ezintsha kwi-$5,700 epheleleyo.

Kukho iziphumo ezithathu ezilandelayo, kwaye zizo izizathu zokuba le mveliso ifanele iqondwe kunokuba isetyenziswe nje.

1. Iintlawulo zihlawuliswa kwisixa esipheleleyo, hayi kwi-net.

Arrangement fee at 3% of gross:  0.03 × 5,700 = $171
Fee as a % of money received:    171 ÷ 3,000 = 5.7%

Umboleki ufumana $3,000 kwaye uhlawula intlawulo ebalwe kwi-$5,700. Izinga lentslawulo elibhengeziweyo liphantse liphindeke kabini ngokwenyani.

2. Inzala ihlawulwa kabini kwimali enye.

$2,700 sele yayinenzala phantsi kwemali-mboleko yokuqala. Ukuyivala nokuphinda uyibolekise kuqala ixesha lenzala kwakhona kwinqununu efanayo, ngoku kwixesha elide.

3. Ixesha lihlehliselwa.

Umboleki ebesele eshiywe ziinyanga ezili-12 ukuze angabi natyala. Ngoku ushiywe ziinyanga ezingama-24. Ukongezwa kwemali ngaphezulu kuhlehlisela umda wokugqibela ubuyele kwixesha elipheleleyo.

Ingxaki yokuhlawula kwizinga elisicaba

Apho imali-mboleko yokuqala yayibekwe ngezinga elisicaba — inzala ibalwe kwinqununu yokuqala kulo lonke ixesha elipheleleyo endaweni yokuba ibalwe kwintsalela enciphayo — ukuhlawula kwangoko kubangela umba ongomnye.

Phantsi kwentlawulo ngezinga elisicaba, inzala iyonke imiselwa kwasekuqaleni. Ukuba umboleki uhlawula kwinyanga ye-12 kwezi-24, akazange asebenzise unyaka wesibini wesibonelelo, ngoko inxalenye yenzala ehlawuliswayo ayifumanekanga. Ukuba iyabuyiswa kuxhomekeke kwindlela yokubuyisela yombolekisi:

• Indlela ye-Aktuwariyali — isaphulelo sibonisa eyona nzala yokwenene engekapheli, ekukubala kwayo okunobulungisa.
• Umgaqo wama-78 — wabela inzala ngokungalinganiyo kwiinyanga zokuqala, ngoko ukuhlawula phakathi kwexesha kubuyisela kancinci kakhulu kunokuba umboleki elindele. Lo mgaqo unqatshelwe okanye uthintelwe kwinani elikhulayo leendawo zolawulo.
• Akukho saphulelo — inzala epheleleyo ekuvunyelwene ngayo kufuneka ihlawulwe nokuba kuhlawulwe kwangoko.

Isixa sokuhlawula esichazwe kwi-top-up kulapho le ndlela ibonakala khona. Umboleki ocinga ukuba intsalela yakhe eshiyekayo yinqununu nje eseleyo unokuba uhlawula isixa esibandakanya inzala yeenyanga angazange azisebenzise.

Ukufaneleka novavanyo

Iimeko eziqhelekileyo ze-top-up:

• Ubudala bemboleko — ubuncinane benani lezavenge ezihlawulwe kwimali-mboleko ekhoyo, ngokuqhelekileyo zibe zintandathu, okanye ipesenti ebekiweyo yexesha elidlulileyo
• Ingxelo ecocekileyo yokuhlawula — akukho ntsilelo, okanye iintsilelo zicinyiwe kangangexesha elimiselweyo
• Uvavanyo olutsha lokukwazi ukuhlawula kwintlawulo entsha edityanisiweyo, hayi nje isixa esongezelelweyo
• Amandla okutsalwa — kwimali-mboleko etsalwa emvuzweni, intsalelo entsha kufuneka ingene ngaphakathi kumda osemthethweni kwiintsalelo zizonke zomvuzo
• Ukwanela kwesibambiso — apho imali-mboleko inesibambiso, isibambiso kufuneka sigubungele umngcipheko omtsha nomkhulu
• Ukujongwa kwebhuyro yamatyala — ukuqinisekisa ukuba umboleki akazange athathe zibophelelo kwenye indawo ukususela kuvavanyo lokuqala

Kutheni ababolekisi benikezela ii-top-ups

• Iindleko eziphantsi zokufumana umboleki. Umxhasi sele ebhalisiwe, eqinisekisiwe nge-KYC kwaye eqondwa. Iindleko ezincinci zokuqalisa i-top-up yinxalenye encinci yokufumana umboleki omtsha.
• Umngcipheko ongcono kunowomboleki omtsha. Iinyanga ezilishumi elinesibini zokujonga indlela yokuhlawula zibubungqina obunamandla kakhulu kunaluphi na uvavanyo lwenqanaba lokufaka isicelo.
• Ukukhula kwepotfoliyo nokugcinwa kwababoleki. Ii-top-ups zikhulisa umndilili wentsalela kumxhasi ngamnye kwaye zandisa ubudlelwane, zinciphisa ukutshintshela kubakhuphisana.
• Ingeniso yeefizi. Iifizi zokulungiselela zifunyanwa kwakhona kwisixa esipheleleyo kumjikelo ngamnye.

Ezi ziinzuzo ezifanelekileyo. Umngcipheko kukuba zomelele ngokwaneleyo ukukhuthaza ii-top-ups ezisebenzela ukukhula kombolekisi ngaphezu komdla womboleki.

Imingcipheko

Kubaboleki

• Umjikelo ongapheliyo. I-top-up nganye iphinda iqale ixesha ngokutsha.. Umboleki owenza i-top-up rhoqo emva kweenyanga ezilishumi elinesibini kwimveliso yeenyanga ezingama-24 akaze afikelele esiphelweni semali-mboleko.
• Indleko eboniswa kancinci. Iindleko ezisebenzayo zemali eyongezelelweyo ziphezulu kakhulu kunereyithi ecatshulweyo, kuba iifizi nenzala zifakwa kwisixa esipheleleyo.
• Ukuncipha komvuzo oseleyo. Kwimali-mboleko etsalwa emvuzweni, ii-top-ups ezilandelelanayo zinyusa intsalelo ukuya kumda osemthethweni, zishiya umvuzo oseleyo uya usiba mncinci.
• Inkxaso-mali yokusetyenziswa. Ukufikelela ngokulula kwi-top-up kwenza kube lula ukuxhasa iintsilelo endaweni yokujongana nazo.

Kubabolekisi.

• Ukufihlwa kokungahlawuli. Umboleki osondele ekungahlawulini angagcinwa engenatyala ngokufumana i-top-up. I-akhawunti ayize ikhule, ngoko ke ipotfoliyo esemngciphekweni ihlala icocekile ngelixa umgangatho wetyala uwohloka ngaphantsi kwawo. Oku kukuhlaziywa okungapheliyo kwe-akhawunti, kwaye yinkxalabo eqhelekileyo yokongamela.
• Ukujongelwa phantsi kwemilinganiselo yomngcipheko. Ukuba ii-top-ups zibalwa njengokuhlawula ngexesha kwaye iimali-mboleko ezivaliweyo zibhalwa njengezihlawulwe ngokupheleleyo, zombini i-PAR kunye namazinga embali okulahlekelwa zenza ipotfoliyo ibonakale ingcono kunokuba injalo.
• Ukuxinana kubaboleki abaphindaphindayo. Ukukhula kwepotfoliyo okuqhutywa zii-top-ups eziphindaphindwayo kubathengi abafanayo akusiyo ukubolekisa okutsha — kukwandisa ukuchanabeka kwiqela elinciphayo lamagama.
• Ukuphambuka kokukwazi ukuhlawula. Ukuvavanya kuphela isixa esongezelelweyo, endaweni yesavenge esipheleleyo esidityanisiweyo, kuvumela izibophelelo ukuba zande ngaphaya koko umvuzo unokukuxhasa.

Izilawuli ezifanele ukuba zibekho

• Ubuncinane bexesha lokuvuthwa phambi kokuba i-top-up ivunyelwe, kunye nomda kwinani lee-top-ups kumboleki ngamnye ngexesha ngalinye
• Ukuvavanywa kwakhona ngokupheleleyo kokukwazi ukuhlawula kwisavenge esidityanisiweyo, kunye ingxelo entsha yebhuyro kunye nokuqinisekiswa komvuzo
• Ukujongwa kwe-net-to-gross — jonga ukuba yimalini kwi-disbursement entsha ngayinye eyimali eya kumboleki ngokwenene. Umlinganiselo owehlayo kwipotfoliyo uthetha ukuba ukukhula kuvela ekubolekeni kwakhona endaweni yokubolekisa okutsha.
• Susa ii-top-ups kwizibalo zokusebenza, okanye uzichaze ngokwahlukileyo, ukuze iimali-mboleko ezihlawulwe ngokubolekwa kwakhona zingabonakali njengezihlawulweyo
• Phawula ii-top-ups eziphindaphindwayo njengophawu lomngcipheko endaweni yokuba luphawu lokunyaniseka
• Chaza isixa sokuhlawula ityala, i-disbursement eyi-net kunye iindleko zizonke ngokucacileyo phambi kokuba umboleki azibophelele
• Papasha indlela yesaphulelo yokuhlawula kwangoko, kwaye khetha indlela ye-actuarial

I-Top-up xa ithelekiswa neemveliso ezinxulumeneyo

• Imali-mboleko yokongeza — Ukongeza ukuboleka kumbolekisi ofanayo, ngokuqhelekileyo kuqala ngokutsha ixesha.
• Ukutshintsha imali-mboleko — Ukuthatha indawo yemali-mboleko ekhoyo, ngokufuthi kumbolekisi owahlukileyo, ngokuqhelekileyo ukuphucula imiqathango.
• Imali-mboleko yokudibanisa amatyala — Ukudibanisa amatyala ahlukeneyo ukuba abe yintlawulo enye.
• Ukubolekisa okuqhubela phambili — Imali-mboleko enkulu kumjikelo olandelayo emva kokuba imali-mboleko yangoku ihlawulwe ngokupheleleyo.
• Umda wetyala ojikelezayo — Ukutsala kwakhona imali ukuya kumda ngaphandle kwesivumelwano esitsha okanye ukuqala ngokutsha kwexesha.

Olona thelekiso lucocekileyo kukuthelekisa ukubolekisa okuqhubela phambili: umboleki ugqiba imali-mboleko yangoku, emva koko ufanelekele imali-mboleko enkulu. Kukukhula okufanayo ekufikeleleni, ngaphandle kokuqala ngokutsha kwexesha okanye inzala ephindwe kabini. Ukubolekisa okuqhubela phambili kukhula kancinane kumbolekisi, kwaye kubiza kancinane kakhulu kumboleki.