Isixhobo sasimahla sokubolekisa
Isenzi sesicwangciso sokuhlawula
Isahlulo ngasinye, nomhla esimele sihlawulwe ngawo kunye nokuba singakanani kuso esiyinzala, singakanani esihlawula ityala, nokuba kusala ntoni emva koko. Faka imiqathango yemali-mboleko ngezantsi, uze ukhuphele isicwangciso njengespredishithi okanye i-PDF.
Imiqathango yemali-mboleko
Indlela yamahlulo alinganayo esemva kwezimali-mboleko ezininzi zeebhanki nezezindlu. Inzala ibizwa kwibhalansi esatyalwayo kwaye isahlulo sihlala sifana — into ehambayo lulwabiwo olusuka kwinzala luye kwisixa esiyintloko.
Akunyanzelekanga. Yifake ukuze isahlulo ngasinye sibe nomhla wokwenene. Ukuphela kweenyanga kuyagcinwa — isicwangciso esiqala ngomhla wama-31 siwela ngomhla wama-28 kuFebruwari size sibuyele kowama-31 kuMatshi.
Akunyanzelekanga. Iintlawulo zenkonzo, zolawulo okanye ze-inshorensi ezongezwa kwintlawulo nganye.
Isahlulo senyanga
R 12 481.03
Iintlawulo ezingu-24, nenzala engu-R 49 544.61 kubomi bonke bemali-mboleko.
- Isixa semali-mboleko
- R 250 000.00
- Isahlulo esicwangcisiweyo
- R 12 481.03
- Inani leentlawulo
- 24
- Inzala iyonke
- R 49 544.61
- Sekuhlawulwe sekukonke
- R 299 544.61
Uqikelelo lokucwangcisa. Imithetho yakho yokujikelezisa amanani, indlela yakho yokubala iintsuku nemihla yakho yentlawulo kunokutshintsha kancinci amanye amahlulo.
Isicwangciso esipheleleyo
Isahlulo ngasinye, ngokulandelelana. Intlawulo yokugqibela ithatha nayiphi na into eseleyo yokujikeleza ukuze ibhalansi ifike ku-zero ncam.
| Nom. | Ibhalansi yokuqala | Intlawulo | Inzala | Isixa esiyintloko | Ibhalansi yokugqibela |
|---|---|---|---|---|---|
| 1 | R 250 000.00 | R 12 481.03 | R 3 750.00 | R 8 731.03 | R 241 268.97 |
| 2 | R 241 268.97 | R 12 481.03 | R 3 619.03 | R 8 861.99 | R 232 406.98 |
| 3 | R 232 406.98 | R 12 481.03 | R 3 486.10 | R 8 994.92 | R 223 412.06 |
| 4 | R 223 412.06 | R 12 481.03 | R 3 351.18 | R 9 129.84 | R 214 282.22 |
| 5 | R 214 282.22 | R 12 481.03 | R 3 214.23 | R 9 266.79 | R 205 015.43 |
| 6 | R 205 015.43 | R 12 481.03 | R 3 075.23 | R 9 405.79 | R 195 609.63 |
| 7 | R 195 609.63 | R 12 481.03 | R 2 934.14 | R 9 546.88 | R 186 062.75 |
| 8 | R 186 062.75 | R 12 481.03 | R 2 790.94 | R 9 690.08 | R 176 372.67 |
| 9 | R 176 372.67 | R 12 481.03 | R 2 645.59 | R 9 835.44 | R 166 537.23 |
| 10 | R 166 537.23 | R 12 481.03 | R 2 498.06 | R 9 982.97 | R 156 554.26 |
| 11 | R 156 554.26 | R 12 481.03 | R 2 348.31 | R 10 132.71 | R 146 421.55 |
| 12 | R 146 421.55 | R 12 481.03 | R 2 196.32 | R 10 284.70 | R 136 136.85 |
Into esicwangciso sokuhlawula esikuxelela yona
Isahlulo linani elinye. Isicwangciso sibonisa into leyo nani eyenzayo ngokwenene, inyanga emva kwenyanga.
- 1
Ulwabiwo luyatshintsha ngokuhamba kwexesha
Kwimali-mboleko yebhalansi ehlayo, amahlulo okuqala azinzala ikakhulu aze awamva abe sisixa esiyintloko ikakhulu, nangona intlawulo ingatshintshi konke. Yiyo loo nto ukuhlawula imali-mboleko kwiinyanga zayo zokuqala kungayithinti kakhulu ibhalansi.
- 2
Sibonisa ukuba ukuqedela kubiza malini
Ibhalansi yokugqibela nakuwuphi na umqolo yile umboleki ebeza kuyityala ukuba uqedele emva kwaloo ntlawulo. Ngaphandle kwesicwangciso, uqikelelo lokuqedela kwangaphambili luqikelelo nje — kwaye lungumthombo oqhelekileyo weengxabano.
- 3
Yirekhodi enisebenza ngayo nobabini
Isicwangciso esinemihla esinikezelwa xa imali ikhutshwa sixelela umboleki ngqo into emele ihlawulwe nokuba nini, kwaye sinika iqela lakho lokuqokelela amanani afanayo. Uninzi lweengxabano ngamatyala asemva luqala ngamaqela amabini afunda amanani ahlukeneyo.
Iindlela ezine imali-mboleko ehlawulwa ngazo
Imibuzo emibini imisela imo yesicwangciso: inzala ibizwa njani, kwaye isixa esiyintloko sibuyiswa njani. Iindibaniselwano ababolekisi abazisebenzisayo ngokwenene zifikelela kwezi zine.
| Indlela | Isahlulo | Isebenza njani |
|---|---|---|
| Ibhalansi ehlayo, amahlulo alinganayo | Silinganile | Indlela yamahlulo alinganayo. Inzala yandiswa koko kusatyalwayo, kwaye intlawulo ibalwa ngendlela yokuba imali-mboleko iphele ncam kwisahlulo sokugqibela. Iintlawulo zokuqala zizinzala ikakhulu, ezikamva zibe sisixa esiyintloko. |
| Ibhalansi ehlayo, isixa esiyintloko esilinganayo | Siyehla | Ibizwa nangokuba kukuhlawula ngomgca othe tye. Isiqingatha esifanayo sesixa esiyintloko sibuya kwixesha ngalinye kwaye inzala ibizwa kwibhalansi esihlayo, ngoko isahlulo sokuqala sesona sikhulu. Sibiza umboleki kancinci ngokupheleleyo kunamahlulo alinganayo kwizinga elifanayo. |
| Izinga elithe tyaba | Silinganile | Inzala ibalwa kanye kwisixa sokuqala ixesha lonke, ize yahlulwe ngokulinganayo phakathi kwamahlulo. Ukuhla kwebhalansi kuyatyeshelwa, yiyo loo nto iindleko zokwenene zezinga elithe tyaba ziphantse ziphindwe kabini kwinani lalo elicatshulweyo. |
| Inzala kuphela nentlawulo yokugqibela | Inzala, ize ibe sisixa esinye | Kuhlawulwa inzala kuphela de kufike umhla wokugqibela, apho isixa esiyintloko sonke simele sihlawulwe ngaxesha linye. Njengoko kungekho nto ihlawulwayo endleleni, le ithwala inzala eninzi kunazo zone — kwaye umngcipheko wokuhlawula uhlala wonke kumhla wokugqibela. |
Kukho izimvo ezimbini ezinxulumeneyo ezingaphandle kolu luhlu. Intlawulo yokugqibela eyinxenye ihlawulwa kwixesha elide ngakumbi lokucinga ize iqedele okuseleyo ngesixa esinye. UMthetho we-78 asisicwangciso konke konke koko yindlela yokwaba inzala yezinga elithe tyaba kwiimbuyekezo zokuqedela kwangaphambili, kwaye uthintelwe okanye uvalwe kwiimarike ezininzi.
Indlela yokufunda isicwangciso
Into ikholamu nganye eyithethayo, nokuba ikhona ngantoni.
- Ibhalansi yokuqala
- Into esatyalwayo phambi kokuba esi sahlulo sihlawulwe. Kumqolo wokuqala sisixa sonke semali-mboleko; kowokugqibela sisixa intlawulo yokugqibela esiqedayo.
- Intlawulo
- Isahlulo esimele sihlawulwe. Phantsi kweendlela ezimbini zesahlulo esilinganayo siyafana kuyo yonke imiqolo ngaphandle kowokugqibela, olungiswa ngeesenti ezimbalwa ukuze isicwangciso siphele ku-zero ncam. Phantsi kwesixa esiyintloko esilinganayo siyehla kwixesha ngalinye, kwaye phantsi kwenzala kuphela sihlala sisincinci de kube yintlawulo yokugqibela.
- Inzala
- Umthwalo weli xesha. Phantsi kwayo nayiphi na indlela yebhalansi ehlayo uyehla njengoko ityala lisihla. Phantsi kwezinga elithe tyaba uyafana kuyo yonke imiqolo, kuba umthwalo wabalwa kwisixa sokuqala ekuqaleni. Inzala kuphela nayo iyawugcina ulinganile, njengoko ibhalansi ingashukumi konke.
- Isixa esiyintloko
- Inxalenye yentlawulo enciphisa ityala ngokwenene. Iyakhula kubomi bemali-mboleko yamahlulo alinganayo, ihlale ifana phantsi kwesixa esiyintloko esilinganayo, kwaye ingu-zero de kube yintlawulo yokugqibela phantsi kwenzala kuphela.
- Ibhalansi yokugqibela
- Into eseleyo emva kwentlawulo. Sisixa sokuqedela kuloo ndawo yemali-mboleko, kwaye simele sifikelele ku-zero ncam kumqolo wokugqibela.
Yongeza intlawulo kwisahlulo ngasinye ize ivele kwikholamu yayo, yahlulwe kwinzala — kuba yintlawulo yenkonzo, ingelolo xabiso lemali, kwaye abalawuli abaninzi balindele ukuba ityhilwe ngolo hlobo.
Imibuzo malunga nezicwangciso zokuhlawula
- Hayi. Izinga elithe tyaba nebhalansi ehlayo zichaza indlela inzala ebizwa ngayo, nto leyo eyinxalenye enye kuphela yomfanekiso — enye inxalenye yindlela isixa esiyintloko esibuyiswa ngayo. Imali-mboleko yebhalansi ehlayo inokuhlawulwa ngamahlulo alinganayo (indlela yamahlulo alinganayo) okanye ngeziqingatha ezilinganayo zesixa esiyintloko, into ekhupha intlawulo esihlayo neendleko eziphantsi zizonke. Yongeza inzala kuphela nentlawulo yokugqibela, uze ufumane izakhiwo ezine ezigutyungelwe leli xhobo.
- Zombini zibiza inzala kwibhalansi esatyalwayo, ngoko zombini ziimali-mboleko zebhalansi ehlayo. Amahlulo alinganayo agcina intlawulo ifana aze atshintshe ulwabiwo ngaphakathi kuyo. Isixa esiyintloko esilinganayo sigcina inxalenye yesixa esiyintloko ifana size sivumele intlawulo ihle njengoko inzala isihla. Isixa esiyintloko esilinganayo sibiza umboleki kancinci ngokupheleleyo, kuba ityala lihlawulwa ngokukhawuleza kumaxesha okuqala — kodwa sifuna imali eninzi ekuqaleni, yiyo loo nto ababolekisi babathengi bethanda amahlulo alinganayo.
- Apho umboleki elindele isiganeko esinye sexesha elizayo ukuze ahlawule isixa esiyintloko — ukuthengiswa kwepropati, isivuno, ukuhlawulwa kwe-invoyisi, okanye ukubuyisela imali-mboleko. Igcina iindleko zamaxesha ziphantsi, kodwa akukho nto ihlawulwayo endleleni, ngoko ithwala inzala eninzi kunezinye ezintathu kwaye igxininisa wonke umngcipheko wokuhlawula kumhla omnye. Uninzi lwababolekisi luyidibanisa nesicwangciso esicacileyo sokuphuma nesibambiso.
- Yitheyibhile ebonisa isahlulo ngasinye kwimali-mboleko kwaye, kwisinye ngasinye, ukuba singakanani esiya kwinzala, singakanani esinciphisa isixa esiyintloko, nokuba yeyiphi ibhalansi eseleyo emva koko. Iguqula inani elinye lenyanga libe ngumfanekiso opheleleyo wendlela ityala elihlawulwa ngayo.
- Kuba inzala ibizwa koko kusatyalwayo, kwaye ekuqaleni phantse yonke imali-mboleko isatyalwa. Njengoko ibhalansi isihla, inxalenye yenzala iyancipha yaye eyesixa esiyintloko iyakhula, nangona isahlulo ngokwaso singatshintshi konke. Oku kusebenza kwiimali-mboleko zebhalansi ehlayo kuphela; phantsi kwezinga elithe tyaba ulwabiwo luhlala lufana.
- Ewe — tshintsha indlela yokuhlawula apha ngasentla. Isicwangciso siza kubonisa inzala efanayo kuyo yonke imiqolo, njengoko izinga elithe tyaba libiza kwisixa sokuqala ukusuka ekuqaleni ukuya ekugqibeleni. Ukuba ufuna ukubona ukuba oko kubiza malini xa kuthelekiswa nebhalansi ehlayo, sebenzisa isithelekisi sezinga elithe tyaba nebhalansi ehlayo.
- Ngenxa yokujikeleza kwamanani. Isahlulo ngasinye sijikelezwa siye kweyona yunithi incinci yemali, kwaye kwiintlawulo ezininzi ezo ziqhephu ziyadibana. Intlawulo yokugqibela ithatha loo mahluko ukuze ibhalansi ifike ku-zero ncam — into phantse wonke umbolekisi ayenzayo ngokwenyani.
- Umhla ngamnye ulinganiswa ukusuka kumhla wentlawulo yokuqala kunokuba kwisahlulo esidlulileyo, ngoko isicwangciso asinakutyibilika. Ukuphela kweenyanga kuyagcinwa: isicwangciso esiqala ngomhla wama-31 kuJanuwari simele sihlawulwe ngomhla wama-28 kuFebruwari, size sibe ngowama-31 kuMatshi, endaweni yokuhlala kowama-28 unyaka wonke.
- Ewe. I-CSV ivuleka kwi-Excel, kwi-Google Sheets okanye kuyo nayiphi na ispredishithi, inamanani aqhelekileyo angahonjiswanga ukuze kungabikho nto ifuna ukucocwa kuqala. I-PDF ngumbhalo wokwenene onokukhethwa endaweni yomfanekiso, ngoko amanani anokukhutshelwa kuyo.
- Hayi. Konke ukubala kwenzeka kwisikhangeli sakho, kwaye iifayile ezithunyelwa ngaphandle zenziwa kwisixhobo sakho. Akukho nto uyibhalayo ithunyelwa kwiseva, igcinwe, okanye ishicilelwe, kwaye akukho kubhalisa.
Ngaba ukuhlawula kukwizinga elithe tyaba nebhalansi ehlayo kuphela?
Ngumahluko mni phakathi kwamahlulo alinganayo nesixa esiyintloko esilinganayo?
Ndiyisebenzise nini inzala kuphela nentlawulo yokugqibela?
Yintoni isicwangciso sokuhlawula?
Kutheni inxalenye enkulu yentlawulo yam yokuqala iyinzala?
Ndingakwazi ukwenza isicwangciso semali-mboleko yezinga elithe tyaba?
Kutheni intlawulo yokugqibela ingafani nezinye?
Imihla yokuhlawula ibalwa njani?
Ndingasithumela ngaphandle isicwangciso?
Ngaba idatha yam iyagcinwa?
Yeka ukwakha kwakhona izicwangciso ngesandla
I-Lendbox yenza isicwangciso xa imali ikhutshwa, ilandelele intlawulo nganye kuso, ikhombe amatyala asemva ngomhla enzeka ngawo, kwaye ibale kwakhona ngokuzenzekelayo xa imali-mboleko icwangciswa kwakhona okanye iqedelwa kwangaphambili.
Akukho khadi letyala lifunekayo.
Qhubeka uphonononga
- Zonke izixhobo zasimahlaIzixhobo zasimahla kubabolekiKhetha isixhobo ufumane impendulo kwimizuzwana. Songeza okungakumbi, ngoko buya kungekudala.
- Isixhobo esinxulumeneIsithelekisi Sezinga Elithe Tyaba Nebhalansi EhlayoBala imali-mboleko efanayo ngeendlela zombini ngaxeshanye ubone ukuba izinga elithe tyaba libiza malini ngokwenene, kunye nezinga elilinganayo lebhalansi ehlayo.
- Isixhobo esinxulumeneIsibali Sezinga Lenzala Elisebenzayo (EIR/APR)Guqula phakathi kwamazinga athe tyaba nahlulayo uze uveze izinga lepesenti lonyaka lokwenene laliphi na imali-mboleko.