Isixhobo sasimahla sokubeka amaxabiso
Elona zinga lisezantsi onokubolekisa ngalo ungalahlekelwa
Uninzi lwezibali zamazinga lucinga ngasecaleni lomboleki. Esi sicinga ngasecaleni lakho. Faka ukuba imali yakho ikubiza malini, ukuba kubiza malini ukunika nokugcina imali-mboleko, nokuba ulindele ukulahlekelwa yimalini — sikubuyisele izinga apho ngaphantsi kwalo ukubolekisa kuba ngumnikelo.
Imali-mboleko oyibekela ixabiso
Ukuba le mali-mboleko ikubiza malini
Iindleko zakho ezidibeneyo zemali ngonyaka — iidiphozithi, imigca yokuboleka nemali yakho ndawonye. Ukuba ubolekisa ngemali yakho, sebenzisa oko bekuya kufunyanwa kwenye indawo.
Kubomi bonke bemali-mboleko, hayi ngonyaka — ithuba lokungahlawuli liphindwe ngelahleko xa kungahlawulwanga. Izinga lokususa le-4% ngonyaka kwimali-mboleko yeminyaka emithathu lisondele kwi-12% apha.
Uhlolo lwetyala, i-KYC, ukukhupha imali kunye nexesha labasebenzi kwimali-mboleko enye.
Nantoni na ekhula nesixa — ikhomishoni, i-inshorensi, irhafu yesitampu.
Uqokelelo, ulungelelaniso, iingxelo kunye nenkxaso, ngentlawulo nganye.
Umahluko ofuna ukuwufumana kwimali oyisebenzisayo. Yishiye kwizero ukuba ufuna ukulinganisa iindleko kuphela.
Ingeniso yeentlawulo nezinga lakho langoku
AkunyanzelekangaIqokelelwa xa kukhutshwa imali, ngoko sele ingenile phambi kokuba nantoni na ingahambi kakuhle.
Ibizwa kunye nentlawulo, ngoko iyayeka xa umboleki eyeka ukuhlawula.
Akunyanzelekanga. Yongeza isigqibo sokuba ixabiso lakho langoku liyakwazi na ukumelana nokulahlekelwa okulindeleyo.
Izinga lokulinganisa iindleko
30.67%
33.75% ukufikelela kumvuzo wakho
Ngaphantsi koku, yonke imali-mboleko oyinikayo ilahlekelwa yimali.
Ixabiso lakho alikwazi
Ngezinga olibiza namhlanje, le mali-mboleko iyayeka ukuhlawula iindleko zayo phambi kokuba ilahleko ifikelele kwinqanaba olilindeleyo.
- Izinga lakho
- 24%
- Inqanaba lelahleko elimelanayo
- 0.69%
- Isithuba ngaphezu koko ukucingayo
- -3.31 amanqaku
- Ngaphantsi kolinganiso nge
- +6.67 amanqaku
Ukuba izinga liya phi
Inqaku ngalinye lezinga lokulinganisa iindleko lihlawulela enye yezinto ezintathu.
- Iindleko zemali
- 12%
- Iindleko zokusebenza
- 10.52%
- Ilahleko yetyala elindelekileyo
- 8.15%
- Ingeniso yokulinganisa iindleko
- 30.67%
- Umvuzo ojoliswe
- +3.09 amanqaku
- Ingeniso kunye nomvuzo ojoliswe
- 33.75%
Iboniswe kwibhalansi enciphayo.
Imali-mboleko ngokwayo
- Intlawulo kulinganiso lweendleko
- R 978.15
- Inani leentlawulo
- 12
- Iindleko zokunika imali-mboleko
- R 400.00
- Isixa esicwangcisiweyo
- R 11 737.84
- Inzala ebizwayo
- R 1 737.84
- Okulindeleke ukuqokelelwa
- R 11 268.33
- Izinga lokwenene lonyaka
- 35.37%
Uqikelelo lweengxoxo zamaxabiso, hayi umgaqo-nkqubo wetyala. Yaba ilahleko ngokulinganayo kuko konke okuqokelelwayo, into enethemba elikhulu ngokwexesha — ukungahlawuli kudibana kwangoko, xa ibhalansi eseleyo iphezulu — kwaye ilumkile ngokubuyiswa kwemali, ekungabalwayo. Umvuzo ojoliswe ngumahluko kwiimpahla, hayi ingeniso kwimali yakho. Jonga umda wamazinga enzala kwindawo yakho phambi kokunika naliphi na ixabiso.
Ukuba ilahleko inyuka ngaphezu koko ukulindeleyo
Imali-mboleko efanayo ibekelwe ixabiso kumazinga ahlukeneyo elahleko ebomini bemali-mboleko. Oko ukucingayo kuphawuliwe.
| Ilahleko ebomini bemali-mboleko | Izinga lokulinganisa | Nomvuzo ojoliswe | Intlawulo | Isixa esicwangcisiweyo |
|---|---|---|---|---|
| 0% | 22.64% | 25.67% | R 939.03 | R 11 268.33 |
| 2% | 26.59% | 29.65% | R 958.19 | R 11 498.29 |
| 4% (eyakho) | 30.67% | 33.75% | R 978.15 | R 11 737.84 |
| 6% | 34.87% | 37.98% | R 998.97 | R 11 987.58 |
| 8% | 39.2% | 42.35% | R 1 020.68 | R 12 248.18 |
| 10% | 43.68% | 46.86% | R 1 043.36 | R 12 520.37 |
| 15% | 55.54% | 58.82% | R 1 104.74 | R 13 256.86 |
| 20% | 68.5% | 71.88% | R 1 173.78 | R 14 085.41 |
Kutheni impendulo iphezulu kangaka kuneendleko zemali yakho
Ababolekisi ababeka amaxabiso ngokuthi «iindleko zemali nokuncinci» badla ngokubolekisa ngaphantsi kweendleko, kwaye umsantsa mkhulu kakhulu kwiimali-mboleko ezincinci nezifutshane, ezona zibonakala zishipu ukuzinika.
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Iindleko ezimiselweyo azinamsebenzi nobungakanani bemali-mboleko
Kubiza malunga nokufanayo ukuhlola, ukukhupha nokugcina imali-mboleko ye-2 000 neye-50 000. Xa zisasazwa kwimali esisiseko encinci nakwixesha elifutshane, ezo ndleko zimiselweyo ziba linani elikhulu lamanqaku ezinga. Sesi esona sizathu sikhulu sokuba iimali-mboleko ezincinci zibe namazinga abonakala esohlwaya, kanti amaxesha amaninzi awanjalo.
- 2
Uxhasa neendleko, hayi imali esisiseko kuphela
Imali oyisebenzisayo ukunika imali-mboleko yimali ekwafuneka uyifumane. Kufuneka izuze izinga lakho olifunayo njengento yonke, kwaye kungoko ukucela amanqaku amathathu omvuzo kutshintsha izinga ekufuneka ulibhengeze ngaphezu kwamanqaku amathathu.
- 3
Ilahleko elindelekileyo ibizwa koko kuqokelelwayo, hayi kwimali esisiseko
Ukuba ulindele ukulahlekelwa yinxalenye yoko ukubekelwe, izinga kufuneka linyuswe ukuze iimali-mboleko ezihlawulwayo zihlawulele ezo zingahlawulwayo. Olo nyuso ludibana nazo zonke ezinye iindleko, kwaye kungoko izinga lokulinganisa linyuka ngokukhawuleza kunezinga lelahleko.
- 4
Ibhalansi ephakathi isezantsi kakhulu kunesixa obolekise ngaso
Kwimali-mboleko ehlawulwa kancinci kancinci, umboleki uphethe imali esisiseko epheleleyo ngosuku lokuqala kuphela. Iindleko zakho zemali zibizwa koko kuseleyo ngokwenene, oko kukuthi izinga malunga nesiqingatha semali-mboleko — kwaye kungoko kanye izinga elingatshintshiyo elibalwa kwisixa sokuqala lithoba oko kuhlawulwa ngumboleki lize likhulise oko ukufumanayo wena.
Izinto ezintathu ekufuneka izinga lizihlawulele
Ukubeka ixabiso lokulinganisa iindleko kukubekana kweenxalenye, hayi ifomula enye. Umgca ngamnye ziindleko zokwenene ezinendlela yazo yokungahambi kakuhle.
| Iindleko | Umbuzo eziwuphendulayo | Ukuba inani livela phi |
|---|---|---|
| Iindleko zemali | Imali obolekise ngayo yakubiza malini ukuyifumana? | Iindleko zakho ezidibeneyo zemali ngonyaka, zibizwa kwibhalansi eseleyo ngokwenene endaweni yesixa esikhutshiweyo. |
| Iindleko zokusebenza | Kubize malini ukunika le mali-mboleko nokuyigcina isebenza? | Iindleko zokunika xa kukhutshwa imali, kunye neendleko zokugcina kwintlawulo nganye, zombini zithotywe ngeendleko zemali yakho. |
| Ilahleko yetyala elindelekileyo | Yingakanani inxalenye yoko ukubekelwe engasoze ifike? | Ithuba lokungahlawuli ebomini bonke liphindwe ngelahleko xa kungahlawulwanga, lisetyenziswe njengokuncitshiswa koko kuqokelelwayo lize linyuswe ukuze iimali-mboleko ezihlawulwayo zithwale okuseleyo. |
Yongeza umvuzo ojoliswe ngaphezulu ube nexabiso. Shiya nawuphi na umgca ngaphandle ube nelahleko ongayi kuyibona de iportfoliyo ikhule.
Isibali Sezinga Lenzala Elisebenzayo (EIR/APR)Ukubeka ixabiso lokulinganisa iindleko, kucaciswa
- Lelona zinga lisezantsi apho imali-mboleko ikushiya kwimeko efanayo naxa ungazange uyinike konke konke. Ihlawulela oko imali ikubize kona ukuyifumana, oko imali-mboleko ikubize kona ukuyinika nokuyigcina, noko ulindele ukukulahlekelwa ngokungahlawulwa — akukho nto ingaphezulu. Ukuba ubiza ngaphantsi, imali-mboleko itshabalalisa ixabiso nokuba ibonakala intle kangakanani ezincwadini.
- Elobomi bonke, kulo lonke ixesha lemali-mboleko. Lelona phoso lenziwa rhoqo ngesixhobo esinjengesi. Ukuba iportfoliyo yakho isusa i-4% ngonyaka uze ubekele ixabiso imali-mboleko yeminyaka emithathu, inani elifunwa sesi sibali lisondele kwi-12%, hayi kwi-4%. Kwimali-mboleko yeenyanga ezintandathu lisondele kwi-2%. Ukuphosisa apha kuthoba izinga olidingayo ngaphezu kwayo nayiphi na enye into oyifakayo.
- Kuba iindleko zemali zidla ngokuba zezona zincinci kwezintathu. Kwimali-mboleko encinci nefutshane, iindleko ezimiselweyo zokuyinika nokuyigcina zihlala zilingana neendleko zemali ngokwayo, ize ilahleko elindelekileyo yongezwe phezu kwazo zombini. Kumzekelo osele ukhona apha, iindleko zemali ngamanqaku ali-12 kwizinga lokulinganisa elingama-30,7% — amanye amanqaku ali-18,7 kukusebenza nelahleko yetyala.
- Kuba umvuzo kufuneka uzuzwe kuyo yonke into oyifakileyo, hayi kwimali esisiseko kuphela. Iindleko zokunika imali-mboleko nazo yayiyimali ekwafuneka uyifumane, ngoko kufuneka zidlule kuloo mgangatho ufanayo. Umahluko mncinci kodwa wowokwenene, kwaye ukhula ngokweendleko zakho zokunika.
- Hayi. Intlawulo iyafana kuzo zombini iindlela — ukukhetha kutshintsha igama lezinga kuphela. Imali-mboleko yokulinganisa ebhengezwe nge-17,4% engatshintshiyo yimali-mboleko efanayo naleyo ibhengezwe nge-30,7% yebhalansi enciphayo, ibekelwe ixabiso ngokufanayo kwaye izuza okufanayo. Loo msantsa ngowona nyani sizathu sokuba amazinga angatshintshiyo abhengezwe, nokuba kutheni abalawuli abaninzi befuna izinga lokwenene liboniswe ecaleni kwawo.
- Thatha zonke iindleko zokunika zexesha elithile — iintlawulo zeeofisi zamatyala, i-KYC, iindleko zokukhupha imali, kunye neendleko ezipheleleyo zexesha labasebenzi kwizicelo — uze uzahlule ngenani leemali-mboleko ezinikwe kwelo xesha. Uninzi lwababolekisi olwenza oku okokuqala lufumanisa ukuba inani liphindwe kabini ukuya kathathu kunoko babecinga kona.
- Liguqula ukubala kube ngakwelinye icala. Ngezinga olibiza ngokwenene, lelona zinga liphezulu lelahleko ebomini bemali-mboleko elinokuthi elo zinga limelane nalo phambi kokuba imali-mboleko iyeke ukuhlawula iindleko zayo. Liqhathanise noko ulindele ukukulahlekelwa: ukuba isithuba sincinci, ixabiso lakho alinaso isithuba seqela elibi, kwaye ukuba lingaphantsi kwezero, akuzihlawuleli iindleko nokuba akukho kungahlawuli kwaphela.
- Ngokuyinxenye kuphela, kwaye kubalulekile ukwazi ukuba oku kwenziwa lula kutyekele ngaphi. Ilahleko yabiwa ngokulinganayo kuko konke okucwangcisiweyo ukuqokelelwa, kanti ngokwenene ukungahlawuli kudibana kwangoko ebomini bemali-mboleko, xa ibhalansi eseleyo iphezulu, into eyenza oku kube nethemba elikhulu. Kwelinye icala, akunika nto ngemali ebuyiswayo, into eyenza kube kulumkile. Kwizigqibo zamaxabiso oku kokubini kuyalinganisana kakhulu; kwimali ebekelwa ecaleni, sebenzisa amakhurve akho okwenene.
- Kuphela ukuba indawo yakho iyavuma. Iimarike ezininzi zinomda kumazinga amatyala abathengi, kwaye kwiimali-mboleko ezincinci zexesha elifutshane izinga lokulinganisa linokuba ngaphezu komda — nto leyo esisiphumo sokwenene, hayi impazamo yokubala. Ithetha ukuba imveliso ayinakunikwa ngenzuzo kobo bungakanani nakwelo xesha, kwaye impendulo kukutshintsha imali-mboleko, hayi izibalo.
Yintoni izinga lenzala lokulinganisa iindleko?
Ndifake izinga lelahleko lonyaka okanye lobomi bonke bemali-mboleko?
Kutheni izinga lokulinganisa liphezulu kangaka kuneendleko zemali yam?
Kutheni ukucela umvuzo we-3% kunyusa izinga ngaphezu kwe-3%?
Ukukhetha phakathi kwezinga elingatshintshiyo nebhalansi enciphayo kutshintsha into endiyifumanayo?
Ndiziqikelela njani iindleko zam zokunika imali-mboleko enye?
Lithini kum izinga lelahleko lokulinganisa?
Ngaba oku kuthathela ingqalelo ixesha apho ukungahlawuli kwenzeka?
Ndinako ukubiza izinga elibuyiswa sesi sibali?
Bekela ixabiso imali-mboleko nganye ngokweendleko zayo zokwenene
I-Lendbox igcina iimveliso zakho, iintlawulo neendleko kwindawo enye, ngoko izinga kwisicelo libalwa kumanani afanayo asetyenziswa ziingxelo zakho — kwaye unokubona ukuba iportfoliyo izuza malini ngokwenene emva kweendleko zemali nezisusiweyo, endaweni yokuyibala emva kwexesha.
Akukho khadi letyala lifunekayo.
Qhubeka uphonononga
- Zonke izixhobo zasimahlaIzixhobo zasimahla kubabolekiKhetha isixhobo ufumane impendulo kwimizuzwana. Songeza okungakumbi, ngoko buya kungekudala.
- Isixhobo esinxulumeneyoIsibali Sezinga Lenzala Elisebenzayo (EIR/APR)Guqula phakathi kwamazinga athe tyaba nahlulayo uze uveze izinga lepesenti lonyaka lokwenene laliphi na imali-mboleko.
- Isixhobo esinxulumeneyoIsithelekisi 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 esinxulumeneyoIsiguquli samazinga enzalaGuqula izinga phakathi kwenyanga nonyaka, eliqhelekileyo nelisebenzayo, elithe tyaba nebhalansi ehlayo, okanye ngaphambi nasemva kokunyuka kwamaxabiso.
- Isixhobo esinxulumeneyoIsenzi Sesicwangciso SokuhlawulaYenza ukwahlulahlula kwexesha ngexesha kwesixa esiyintloko nenzala, emva koko uyithumele kwi-PDF okanye i-CSV.
- Isixhobo esinxulumeneyoIsibali Sentlawulo YokulibalaBala inzala yesohlwayo neentlawulo zokulibala kwiintlawulo ezidlulelwe lixesha usebenzisa imithetho yakho yexesha lobubele nezinga.