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Kubaxhasi bezithuthi nezixhobo

Isoftware yenkxaso-mali yezinto engaze iyilahle impahla

Kubaboleki abaxhasa izithuthi, izixhobo nemishini — imali-mboleko nganye iqhagamshelwe nempahla eyiqinisekisayo, ukusuka kwidiphozithi ukuya kwintlawulo yokugqibela.

Idili lalibonakala licocekile: idiphozithi, ishedyuli ecacileyo, ilori exhaswe imali enexabiso elingaphezu kwemali-mboleko. Emva koko iintlawulo zema. Ngoku ufuna incwadi yelogo, imeko ye-inshurensi, ixabiso langoku nendawo yokugqibela eyaziwayo yomboleki — kwaye zikwiindawo ezine ezahlukeneyo, akukho nanye ethetha nemali-mboleko. Kwinkxaso-mali yezinto ukhuseleko yeyona njongo. Ukuyilahla yindlela incwadi entle ejika ngayo ibe mbi.

Apho iwohloka khona

Into inkxaso-mali yezinto eyifunayo engafunwa kukuboleka okuqhelekileyo

Ukuboleka ngempahla akukokuboleka nje ngamaphepha ongeziweyo. Impahla mayilandelelwe, ixatyiswe, ifakelwe i-inshurensi kwaye — xa kufika apho — ibuyiswe.

Impahla iqinisekisa imali-mboleko — kodwa zihlala kwiinkqubo ezimbini ezahlukeneyo.

Imali-mboleko nganye iqhagamshelwe nempahla echanekileyo engasemva kwayo: uhlobo, inombolo yochungechunge okanye yobhaliso, ixabiso nemeko. Ukukhangela kanye kukuxelela ukuba imali-mboleko nganye iqinisekiswa yintoni, ngaphandle kokukhangela ngesandla.

Impahla ihla kwixabiso ngelixa ibhalansi isaphezulu.

I-Lendbox ilandela ixabiso lempahla ngokunxulumene nebhalansi esalelayo, ukuze imali-mboleko enokhuseleko oluncinci ivele kwangethuba — kudala ingekabi yilahleko ongenakuyifumana.

Umboleki uyasilela ukuhlawula kwaye ukubuyisa impahla kuba kukuzingela ubutyebi.

Imali-mboleko engahlawulwanga iphawula impahla ezakubuyiswa — apho ikhoyo, imeko yayo namaxwebhu ayo — ukuze ukubuyiswa kube yinkqubo ecwangcisiweyo, kungekhona ukubaleka phakathi kweefolda ezintathu.

I-inshurensi iphela kwaye iincwadi zelogo zilahleke ngaphandle kokuba kubekho obonayo.

I-inshurensi, ubhaliso nokuphela kwamaxwebhu kulandelelwa ngempahla nganye, ngezikhumbuzo phambi kokuba kuphele — ukuze ukhuseleko lwakho lungaze lube ngaphandle kwe-inshurensi ngokuthe cwaka.

Idili ngalinye linedphozithi, ixesha nebhaluni eyahlukileyo — kwaye ispredishithi asikwazi ukulandelela.

Yila isixhobo ngasinye ngokwedili: intlawulo phantsi, ibhaluni okanye eseleyo, nexesha elingqamene nobomi bempahla. Ishedyuli ibalwa egameni lakho, ngokuchanekileyo, ngalo lonke ixesha.

Indlela ilingana ngayo

Indlela i-Lendbox eqhuba ngayo ukuboleka kwenkxaso-mali yezinto

Isoftware yenkxaso-mali yezinto iqhagamshela imali-mboleko nganye nesithuthi, isixhobo okanye umshini oyiqinisekisayo — ukuphatha ukuyilwa kwediphozithi, ibhaluni neseleyo (kuquka amadili okuqesha-thenga), ukulandela ixabiso lempahla ne-inshurensi, nokulawula ukubuyiswa ukuba umboleki uyasilela. Asiluluhlu lweempawu — zizinto ezine kuphela ezigcina incwadi eqinisekisiweyo, exhaswe ngempahla ilawuleka.

Irejista yempahla eqhagamshelwe nemali-mboleko

Kwinkxaso-mali yezinto isibambiso lidili. I-Lendbox igcina irejista efanelekileyo yempahla nganye exhasiweyo, eqhagamshelwe ngqo nemali-mboleko eyiqinisekisayo.

  • Imali-mboleko nganye iqhagamshelwe nempahla yayo — isithuthi, isixhobo okanye umshini
  • Ubhaliso, inombolo yochungechunge/VIN, umthengisi nexabiso lokuthenga kubhaliwe
  • Ixabiso langoku lempahla lilandelwa ngokunxulumene nebhalansi esalelayo
  • Bona incwadi yakho yonke eqinisekisiweyo ngephanyazo

Ukuyilwa kwentlawulo okuguquguqukayo

Akukho madili amabini empahla ahlawulayo ngendlela efanayo. Yakha isixhobo ngokujikeleza impahla nomboleki, kungekhona ngokujikeleza oko isoftware ikuvumelayo.

  • Iintlawulo phantsi neediphozithi ziphethwe ekuqaleni
  • Iintlawulo zebhaluni nezeseleyo ekupheleni kwexesha
  • Amaxesha angqamene nobomi bokusebenza bempahla
  • Iishedyuli nenzala zibalwa ngokuzenzekelayo

Ukulandela amaxwebhu ne-inshurensi

Ukhuseleko lwakho lulungile njengamaphepha alo kuphela. I-Lendbox igcina amaxwebhu akhusela impahla ehlaziyiwe nabalwayo.

  • Iincwadi zelogo, ubhaliso namaxwebhu obunini kwifayile
  • Imeko ye-inshurensi nokuphela kulandelelwa ngempahla nganye
  • Izikhumbuzo phambi kokuba ukhuselo okanye amaxwebhu aphele
  • Yonke into iqhotyoshelwe kwimpahla nakwimali-mboleko

Amatyala asilelayo nokubuyiswa

Xa idili lihamba kakubi, impahla yindlela yakho yokubuyela. I-Lendbox ijika ukubuyiswa kube yinkqubo elandelelwayo endaweni yokothuka.

  • Amatyala asilelayo neportfoliyo esemngciphekweni kuvezwa kwangethuba
  • Impahla ephawulelwe ukubuyiswa nendawo nemeko yayo
  • Amanyathelo okubuyisa alandelelwa ukusuka ekuqaleni ukuya ekupheleni
  • Imeko yempahla ebuyiswe kude kube kukuthengiswa kwakhona

Ubungqina

“I-Lendbox isincedile ukwenza ngokuzenzekelayo iinkqubo zethu zemali-mboleko e-Poacher Loans. Ikwazi ukubala iportfoliyo esemngciphekweni yeshishini lakho kunye nezinye iimetric zeshishini.”
Joseph Malasa, uMlawuli oLawulayo, Poacher Loans·Poacher Loans · Umboleki, Zambia
amazinga okungahlawuli
Esezantsi
impazamo yomntu yesandla
Encinci
ilandelelwa ngokuzenzekelayo
PAR
Funda isifundo-meko esipheleleyo se-Poacher Loans

Imibuzo ababoleki benkxaso-mali yezinto abasibuza yona

Yintoni isoftware yenkxaso-mali yezinto?
Isoftware yenkxaso-mali yezinto yakhelwe ababoleki abaxhasa izithuthi, izixhobo nemishini — iqhagamshela imali-mboleko nganye nempahla ethile eyiqinisekisayo, iyila iidiphozithi, iintlawulo zebhaluni nezeseleyo (kuquka amadili okuqesha-thenga), ilandela ixabiso lempahla ne-inshurensi ngokunxulumene nebhalansi esalelayo, kwaye ilawula ukubuyiswa kude kube kukuthengiswa kwakhona ukuba umboleki uyasilela. I-Lendbox igcina imali-mboleko nempahla kwindawo enye, ukuze ukhuseleko lwakho lungaze luphume embonweni.
Ingaba singaqhagamshela imali-mboleko nganye nempahla ethile eyiqinisekisayo?
Ewe. I-Lendbox iqhagamshela imali-mboleko nganye nempahla yayo exhaswe — isithuthi, isixhobo okanye umshini — ngobhaliso, inombolo yochungechunge okanye VIN, umthengisi nexabiso lokuthenga kubhaliwe. Ungabona incwadi yakho yonke eqinisekisiweyo noko imali-mboleko nganye iqinisekiswa kuko ngephanyazo.
Ingaba singaphatha iidiphozithi, iintlawulo zebhaluni namaxabiso eseleyo?
Ewe. I-Lendbox ikuvumela ukuyila isixhobo ngasinye sokuqesha-thenga okanye senkxaso-mali yezinto ngentlawulo phantsi ekuqaleni, iintlawulo zebhaluni okanye eseleyo ekupheleni kwexesha, nexesha lokuhlawula elingqamene nobomi bokusebenza bempahla. Ishedyuli nenzala zibalwa ngokuzenzekelayo.
Ingaba ilandela i-inshurensi nobhaliso kwimpahla exhaswe?
Ewe. I-Lendbox ilandela imeko ye-inshurensi, ubhaliso namaxwebhu obunini ngempahla nganye, ngezikhumbuzo phambi kokuba ukhuselo okanye amaxwebhu aphele, ukuze ukhuseleko lwakho lungaze lube ngaphandle kwe-inshurensi okanye lungenamaxwebhu ngokuthe cwaka.
Kwenzeka ntoni xa umboleki esilela — ingaba singalawula ukubuyiswa?
Xa umboleki esilela, i-Lendbox iphawula impahla ukuze ibuyiswe — kunye nendawo yayo, imeko namaxwebhu — kwaye ilandela ukubuyiswa njengenkqubo ukusuka kumzuzu imali-mboleko ewela kumatyala asilelayo ukuya kukuthengiswa kwakhona kwempahla ebuyisiweyo.
Ingaba singazi xa imali-mboleko inokhuseleko oluncinci njengoko impahla iqgwala?
Ewe. I-Lendbox ilandela ixabiso lempahla nganye ngokunxulumene nebhalansi esalelayo yemali-mboleko, ukuze imali-mboleko apho ukhuseleko lusele emva kwebhalansi ivele kwangethuba endaweni yokuvela kwintlawulo-ngaphandle.
Ingaba isebenza kwinkxaso-mali yezithuthi nezixhobo?
Ewe. Irejista yempahla ye-Lendbox, ukuyila nezixhobo zokubuyisa zixhasa inkxaso-mali yezithuthi, izixhobo nemishini, kunye nenye inkxaso-mali yezinto yohlobo lokuqesha-thenga.

Gcina imali-mboleko nempahla kwiskrini esinye

Qalisa uvavanyo lwasimahla lwe-Lendbox uze uqhube inkxaso-mali yezithuthi nezixhobo ngokhuseleko olwakhelwe ngaphakathi.

Qalisa uvavanyo lwakho lwasimahla

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