Isixhobo sasimahla sokubolekisa
Isibali sezinga lenzala elisebenzayo
Imali-mboleko ethengiswa ngo-«10% ethe tyaba» ayixabisi 10%. Faka imiqathango ngezantsi ubone izinga lenzala elisebenzayo kunye ne-APR ecaleni kwezinga elicatshulweyo — kuquka iintlawulo — ukuze wazi ukuba le tyala ixabisa ntoni ngokwenene.
Imiqathango yemali-mboleko
Iintlawulo
AkunyanzelekangaIintlawulo zokuvula, zokulungiselela okanye zokucubungula ezisuswayo ngaphambi kokuba imali ifike kumboleki.
Iindleko zenkonzo, zolawulo okanye ze-inshorensi ezongezwa kwintlawulo nganye.
Izinga lenzala elisebenzayo
19.53%
Izinga elicatshulweyo: 10.00% elithe tyaba
+9.53 amanqaku epesenti ngaphezu kwezinga elicatshulweyo
I-APR (izinga lonyaka eliqhelekileyo): 17.97%
Izinga lonyaka elihlawulwa ngokwenene, emva kokuba kubalwe ibhalansi ehlayo, ukurhoxa kweentlawulo kunye nazo zonke iintlawulo.
- Isahlulo senyanga
- R 916.67
- Inani leentlawulo
- 12
- Isixa esifunyanwa ngumboleki
- R 10 000.00
- Inzala iyonke
- R 1 000.00
- Iintlawulo zizonke
- R 0.00
- Iindleko zonke zetyala
- R 1 000.00
- Sekuhlawulwe sekukonke
- R 11 000.00
Iya phi imali
- Imali esisiseko
- Inzala
- Iintlawulo
Uqikelelo lokuthelekisa. Umlawuli wakho okanye umbolekisi unokuziphatha ngenye indlela iintlawulo, ukujikelezisa amanani kunye nemihla yentlawulo, into enokutshintsha kancinci i-APR epapashwayo.
Kutheni izinga elicatshulweyo lidla ngokungabi lelona linene
Zintathu izinto ezityhala ngokuzolileyo iindleko zokwenene ngaphezu kwenani elipapashiweyo. Isibali sizithathela ingqalelo zonke.
- 1
Ibhalansi iyehla, izinga elithe tyaba alehli
Izinga elithe tyaba libiza inzala kwisixa sonke sokuqala ixesha lonke — nakwinyanga yokugqibela, xa uninzi lwemali-mboleko selubuyisiwe. Umboleki uhlawulela imali angasenayo.
- 2
Ukurhoxa kongeza inzala phezu kwenzala
Ukuhlawula qho ngeveki endaweni yonyaka kubuyisa imali esisiseko kwangethuba, ukuze ibolekiswe kwakhona kwangoko. Okukhona iintlawulo zisiba rhoqo, kokukhona izinga elisebenzayo linyuka ngasemva kwelo nani linye lipapashiweyo.
- 3
Iintlawulo yinzala ngelinye igama
Intlawulo yokulungiselela esuswayo xa imali ikhutshwa ithetha ukuba umboleki akasifumani isixa sipheleleyo kodwa uhlawula ngokungathi usifumene. Xa yahlulwe kwixesha elifutshane, intlawulo encinci ilishukumisa kakhulu izinga elisebenzayo.
Izinga elithe tyaba nebhalansi ehlayo
Elo nani linye lika-10% kwimali-mboleko yeenyanga ezili-12, licatshulwa ngeendlela ezimbini. Inani lebhalansi ehlayo lelona linyanisekileyo.
| Izinga elithe tyaba nebhalansi ehlayo | Izinga elithe tyaba | Ibhalansi ehlayo |
|---|---|---|
| Inzala ibizwa kwi- | Isixa sokuqala, kwixesha ngalinye | Ibhalansi esatyalwayo kuphela |
| Inzala iyonke ku-10% kwiinyanga ezili-12 | I-10% yemali-mboleko | Malunga ne-5.5% yemali-mboleko |
| Izinga lenzala elisebenzayo | Malunga ne-19.5% | Malunga ne-10.5% |
| Iqhelekile kwi- | Imali-mboleko encinci, inkxaso-mali yempahla, imali-mboleko yomvuzo | Imali-mboleko yebhanki, amatyala ezindlu, uninzi lwamatyala alawulwayo |
Akukho ndlela kwezi zimbini ingalunganga ngokwayo — kodwa ukucaphula izinga elithe tyaba ungalichazi izinga elisebenzayo kwenza imali-mboleko ibonakale ixabisa malunga nesiqingatha soko ixabisa khona ngokwenene.
Imibuzo malunga ne-EIR ne-APR
- Zombini zenza elo zinga linye lexesha libe lelonyaka, kodwa ngeendlela ezahlukeneyo. I-APR iphinda-phinda izinga lexesha ngenani lamaxesha onyaka ize ime apho. I-EIR yona yongeza inzala phezu kwenzala, ngoko ke ibonisa oko umboleki akuhlawulayo xa inzala yexesha elinye ibizwa kwelilandelayo. I-EIR ihlala iphakame kunazo zombini, kwaye umsantsa uyakhula njengoko iintlawulo zisiba rhoqo.
- Kuba izinga elithe tyaba libiza inzala kwisixa esabolekwa ekuqaleni, hayi koko kusatyalwayo. Kwisahlulo sokugqibela umboleki unokuba utyala ngaphantsi kwesishumi sesixa semali-mboleko kodwa esahlawula inzala yesixa sonke. Kwixesha leenyanga ezili-12 elineentlawulo zenyanga nganye, izinga elithe tyaba lifikelela malunga nokuphinda kabini inani lalo elipapashiweyo.
- Kufuneka iquke. Nayiphi na intlawulo umboleki angenakuyiphepha — ukuvula, ukulungiselela, ukucubungula, i-inshorensi enyanzelekileyo — yinxalenye yeendleko zetyala kwaye ifanele ibe sekubalweni. Esi sixhobo sisusa iintlawulo zokuqala kwisixa esikhutshwayo size songeze iintlawulo eziphindaphindekayo kwisahlulo ngasinye, oko kukuphatha okuqhelekileyo.
- Akukho nani linye lokuphinda-phinda, kuba impendulo ixhomekeke kwixesha nakwindlela iintlawulo ezirhoxa ngayo. Njengesikhokelo esingaqondanga, izinga elithe tyaba kwimali-mboleko ehlawulwa ngezahlulo ezilinganayo kunyaka omnye lisondela kokuphindwe kabini kwezinga elifanayo lebhalansi ehlayo. Kuyo nayiphi na into oceba ukuyipapasha, yibale kakuhle — beka indlela ibe ethe tyaba apha ngasentla uze ufunde izinga elisebenzayo.
- Landela umlawuli wakho, into ethetha kwiimarike ezininzi izinga lonyaka elisebenzayo okanye i-APR ebalwe ngendlela emiselweyo. Ngaphandle kokuthobela imithetho, ukucaphula izinga elisebenzayo yinto eyenza amaxabiso akho athelekiseke nawabanye ababolekisi — kwaye ababoleki bayakhangela ngokuqhubekayo.
- Hayi. Ukubala konke kwenzeka kwisikhangeli sakho. Akukho nto uyichwethezayo ithunyelwa kwiseva, igcinwe okanye irekhodwe, kwaye akukho mfuneko yokubhalisa.
Uyintoni umahluko phakathi kwe-EIR ne-APR?
Kutheni izinga elithe tyaba liphakama kangaka njengezinga elisebenzayo?
Ngaba i-APR iquka iintlawulo?
Ndiliguqula njani izinga elithe tyaba libe lelebhalansi ehlayo?
Leliphi izinga ekufuneka ndilazise ababoleki?
Ngaba idatha yam iyagcinwa?
Misela ixabiso lemali-mboleko nganye ngale ndlela, ngokuzenzekelayo
I-Lendbox ibala amazinga asebenzayo, yakhe ucwangciso lweentlawulo kwaye ilandelele oko kutyalwayo ngokwenene kuyo yonke incwadi yakho — kungekhona imali-mboleko enye ngexesha kwisibali.
Akukho khadi letyala lifunekayo.
Qhubeka uphonononga
- Zonke izixhobo zasimahlaIzixhobo zasimahla kubabolekiKhetha isixhobo ufumane impendulo kwimizuzwana. Songeza okungakumbi, ngoko buya kungekudala.
- Isixhobo esinxulumeneIsenzi Sesivumelwano Semali-mbolekoZalisa ifom enye, ubale ngokuzenzekelayo intlawulo nenzala, uhlele nawuphi na umhlathi ngesandla, emva koko ukhuphele i-PDF ecocekileyo, eyobungcali. Akukho kubhalisa okufunekayo.