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Kubaxhasi bezimoto nezinsiza

Isofthiwe yezimali zempahla engalahli neze impahla

Kubebolekisi abaxhasa izimoto, izinsiza nemishini — yonke imali-mboleko ixhunywe nempahla eyiqinisekisayo, kusukela enkokhelweni yokuqala kuya enkokhelweni yokugcina.

Idili lalibukeka lihlanzekile: inkokhelo yokuqala, ishejuli ecacile, iloli elixhasiwe elinenani elingaphezu kwemali-mboleko. Khona-ke izinkokhelo zama. Manje udinga incwadi yegugu, isimo somshwalense, inani lamanje nendawo yokugcina eyaziwayo yomboleki — futhi kusezindaweni ezine ezahlukene, akukho neyodwa exhumana nemali-mboleko. Kwizimali zempahla isivikelo siyiphuzu lonke. Ukusilahla yindlela incwadi enhle ephenduka ngayo embi.

Lapho kuphuka khona

Lokho izimali zempahla ezikufunayo okungafunwa ukweboleka okuvamile

Ukweboleka ngempahla akukona nje ukweboleka ngamaphepha engeziwe. Impahla kufanele ilandelelwe, ihlolwe inani, ifakelwe umshwalense futhi — uma kufika lapho — ibuyiselwe.

Impahla iqinisekisa imali-mboleko — kodwa zihlala ezinhlelweni ezimbili ezahlukene.

Yonke imali-mboleko ixhunywe nempahla eqondile engemuva kwayo: uhlobo, inombolo yochungechunge noma yokubhalisa, inani nesimo. Ukubuka okukodwa kukutshela ukuthi imali-mboleko ngayinye iqinisekiswa yini, ngaphandle kokuhlola ngesandla.

Impahla iyehla enanini kuyilapho ibhalansi isaphezulu.

I-Lendbox ilandelela inani lempahla maqondana nebhalansi esekweletwa, ukuze imali-mboleko enesivikelo esincane ivele kusenesikhathi — kudala ingakabi ukulahlekelwa ongeke ukuthole.

Umboleki ushilo ukukhokha futhi ukubuyisa impahla kuba ukuzingela igugu.

Imali-mboleko engakhokhwanga imaka impahla ezobuyiswa — lapho ikhona, isimo sayo namadokhumenti ayo — ukuze ukubuyiselwa kube inqubo ehlelekile, hhayi umjaho phakathi kwamafolda amathathu.

Umshwalense uyaphela namaqugu ayanyamalala ngaphandle komuntu obonayo.

Umshwalense, ukubhaliswa nokuphela kwamadokhumenti kulandelelwa ngempahla nganye, ngezikhumbuzo ngaphambi kokuthi kuphele — ukuze isivikelo sakho singaphenduki neze singenamshwalense kabuthule.

Idili ngalinye linenkokhelo yokuqala, isikhathi nebhaluni ehlukile — futhi ispredishithi asikwazi ukuhambisana.

Hlela isikhungo ngasinye ngokwedili: inkokhelo phansi, ibhaluni noma esalayo, nesikhathi esivumelana nempilo yempahla. Ishejuli ibalwa ngenxa yakho, ngendlela efanele, njalo.

Ukuthi kufaneleka kanjani

Indlela i-Lendbox eqhuba ngayo ukweboleka kwezimali zempahla

Isofthiwe yezimali zempahla ixhuma yonke imali-mboleko nemoto, insiza noma umshini oyiqinisekisayo — ukuphatha ukuhlelwa kwenkokhelo yokuqala, ibhaluni nesalayo (kufaka phakathi amadili okuqasha-thenga), ukulandelela inani lempahla nomshwalense, nokuphatha ukubuyisa uma umboleki eshilo ukukhokha. Akuwona uhlu lwezici — yizinto ezine kuphela ezigcina incwadi eqinisekisiwe, esekelwe ngempahla ilawuleka.

Irejista yempahla exhunywe nemali-mboleko

Kwizimali zempahla isibambiso yidili. I-Lendbox igcina irejista efanele yempahla ngayinye exhasiwe, exhunywe ngqo nemali-mboleko eyiqinisekisayo.

  • Imali-mboleko ngayinye ixhunywe nempahla yayo — imoto, insiza noma umshini
  • Ukubhalisa, inombolo yochungechunge/VIN, umhlinzeki nenani lokuthenga kurekhodiwe
  • Inani lempahla lamanje lilandelelwa maqondana nebhalansi esekweletwa
  • Bona incwadi yakho yonke eqinisekisiwe ngokuthi sheshe

Ukuhlelwa kokukhokha okuguquguqukayo

Awekho amadili amabili empahla akhokha ngendlela efanayo. Yakha isikhungo kuzungeze impahla nomboleki, hhayi kuzungeze lokho isofthiwe ekuvumelayo.

  • Izinkokhelo phansi nezamadiphozithi ziphethwe ekuqaleni
  • Izinkokhelo zebhaluni nezesalayo ekupheleni kwesikhathi
  • Izikhathi ezivumelana nempilo yokusebenza yempahla
  • Amashejuli nenzalo kubalwa ngokuzenzakalelayo

Ukulandelela amadokhumenti nomshwalense

Isivikelo sakho silingana namaphepha aso kuphela. I-Lendbox igcina amadokhumenti avikela impahla eseduze nezikweletiwe.

  • Amaqugu, ukubhalisa namadokhumenti obunikazi kufayelweni
  • Isimo somshwalense nokuphela kulandelelwa ngempahla nganye
  • Izikhumbuzo ngaphambi kokuphela kwesivikelo noma amadokhumenti
  • Konke kunamathiselwe empahleni nakwimali-mboleko

Izikweletu ezishiyekile nokubuyiselwa

Lapho idili lihamba kabi, impahla iyindlela yakho yokubuyela. I-Lendbox iguqula ukubuyisa kube umsebenzi olandelelwayo esikhundleni sokwethuka.

  • Izikweletu ezishiyekile nephothifoliyo esengozini kuvezwa kusenesikhathi
  • Impahla emaka ezobuyiswa nendawo nesimo sayo
  • Izinyathelo zokubuyisa zilandelelwa kusukela ekuqaleni kuya ekugcineni
  • Isimo sempahla ebuyisiwe kuze kube ukuthengisa kabusha

Ubufakazi

“I-Lendbox isisizé ukwenza ngokuzenzakalelayo izinqubo zethu zemali-mboleko e-Poacher Loans. Iyakwazi ukubala iphothifoliyo esengozini yebhizinisi lakho kanye nezinye izilinganiso zebhizinisi.”
Joseph Malasa, uMphathi Omkhulu, Poacher Loans·Poacher Loans · Umebolekisi, Zambia
amazinga okungakhokhi
Okuphansi
iphutha lomuntu lesandla
Okuncane
ilandelelwa ngokuzenzakalelayo
PAR
Funda isifundo sesibonelo esiphelele se-Poacher Loans

Imibuzo abebolekisi bezimali zempahla abasibuza yona

Iyini isofthiwe yezimali zempahla?
Isofthiwe yezimali zempahla yakhelwe abebolekisi abaxhasa izimoto, izinsiza nemishini — ixhuma yonke imali-mboleko nempahla eqondile eyiqinisekisayo, ihlela izinkokhelo zokuqala, ezebhaluni nezesalayo (kufaka phakathi amadili okuqasha-thenga), ilandelela inani nomshwalense wempahla maqondana nebhalansi esekweletwa, futhi iphatha ukubuyisa kuze kube ukuthengisa kabusha uma umboleki eshilo ukukhokha. I-Lendbox igcina imali-mboleko nempahla endaweni eyodwa, ukuze isivikelo sakho singaphumi neze esibukweni.
Ingabe singaxhuma yonke imali-mboleko nempahla eqondile eyiqinisekisayo?
Yebo. I-Lendbox ixhuma yonke imali-mboleko nempahla yayo exhasiwe — imoto, insiza noma umshini — ngokubhalisa, inombolo yochungechunge noma VIN, umhlinzeki nenani lokuthenga kurekhodiwe. Ungabona incwadi yakho yonke eqinisekisiwe nokuthi imali-mboleko ngayinye iqinisekiswa yini ngokuthi sheshe.
Ingabe singaphatha izinkokhelo zokuqala, izinkokhelo zebhaluni namanani esalayo?
Yebo. I-Lendbox ikuvumela ukuhlela isikhungo ngasinye sokuqasha-thenga noma sezimali zempahla ngenkokhelo phansi ekuqaleni, izinkokhelo zebhaluni noma esalayo ekupheleni kwesikhathi, nenkathi yokukhokha evumelana nempilo yokusebenza yempahla. Ishejuli nenzalo kubalwa ngokuzenzakalelayo.
Ingabe ilandelela umshwalense nokubhalisa empahleni exhasiwe?
Yebo. I-Lendbox ilandelela isimo somshwalense, ukubhalisa namadokhumenti obunikazi ngempahla nganye, ngezikhumbuzo ngaphambi kokuthi isivikelo noma amadokhumenti aphele, ukuze isivikelo sakho singaphenduki neze singenamshwalense noma singenadokhumenti kabuthule.
Kwenzekani uma umboleki eshilo ukukhokha — ingabe singaphatha ukubuyisa?
Uma umboleki eshilo ukukhokha, i-Lendbox imaka impahla ukuze ibuyiswe — kanye nendawo yayo, isimo namadokhumenti — futhi ilandelela ukubuyisa njengomsebenzi kusukela ngomzuzu imali-mboleko ewela ezikweletini kuze kube ukuthengisa kabusha kwempahla ebuyisiwe.
Ingabe singatshela ukuthi imali-mboleko inesivikelo esincane kanjani njengoba impahla iguga?
Yebo. I-Lendbox ilandelela inani lempahla ngayinye maqondana nebhalansi yemali-mboleko esekweletwa, ukuze imali-mboleko lapho isivikelo sesisalele ngemuva kwebhalansi ivele kusenesikhathi esikhundleni sokuvela esishayweni.
Ingabe iyasebenza kuzimali zezimoto nezinsiza?
Yebo. Irejista yempahla ye-Lendbox, ukuhlela namathuluzi okubuyisa kusekela uxhaso lwezimoto, izimali zezinsiza nemishini, nezinye izimali zempahla zesitayela sokuqasha-thenga.

Gcina imali-mboleko nempahla kuskrini esisodwa

Qala ukulinga kwamahhala kwe-Lendbox bese uqhuba izimali zezimoto nezinsiza nesivikelo sakhelwe ngaphakathi.

Qala ukulinga kwakho kwamahhala

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