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Ifomu yokuhlola nesinqumo sesikweletu yamahhala
Ifomu egcwaliswa isikhulu sakho sezikweletu ngemva kokufika kwesicelo. Idlula kulokho okuqinisekisiwe, kulokho umbolekimali angakwazi ngempela ukukukhokha, kwisibambiso esinikeziwe nasekutheni ifayela lithola amaphuzu angakanani — bese ishiya isikhala sokuthi isikhulu, umphathi nekomidi ngamunye asayine lokho akunqumile.
Ababolekimali abathathu, izindlela ezintathu zokubala
Ukuqinisekisa, isibambiso, ikhadi lamaphuzu nezignesha kuyafana kuzo zonke. Okushintshayo yizibalo zamandla okukhokha — umholo, i-akhawunti yokuhweba, noma iminikelo yeqembu.
Ukubuka
Wonke umugqa, ibhokisi nesikhala kugcwaliswa yisikhulu sakho. Izisindo zekhadi lamaphuzu ziphrintiwe; amaphuzu awaphrintiwe.
Ifomu Yokuhlola Nesinqumo Sesikweletu
Umbolekimali ongumuntu
1Inkomba yesicelo
Igama lomfaki-sicelo | Inkomba yesicelo | Usuku lokwamukelwa |
Uhlobo lwesikweletu | Imali eceliwe | Isikhathi esiceliwe |
Injongo yesikweletu | Isikhulu esihlolayo |
2Ukuqinisekisa nokwazi ikhasimende
Umazisi YeboChaAkusebenzi | Ubufakazi bekheli YeboChaAkusebenzi |
Izitatimende zasebhange YeboChaAkusebenzi | Umbiko wehhovisi lezikweletu YeboChaAkusebenzi |
Amadokhumenti esibambiso YeboChaAkusebenzi | Izinkomba ezihloliwe YeboChaAkusebenzi |
Isliphu somholo noma ubufakazi bomholo YeboChaAkusebenzi | Isiqinisekiso somqashi YeboChaAkusebenzi |
Kuqinisekiswe ngu | Usuku lokuqinisekisa |
3Umholo namandla okukhokha
| Uhlu | Imali yenyanga | Kuqinisekiswe kusuka ku |
|---|---|---|
| Umholo osele ngemva kwezidonso | ||
| Omunye umholo ovamile | ||
| Isamba somholo wenyanga | ||
| Izindleko zokuphila | ||
| Izinkokhelo zezikweletu ezikhona | ||
| Ezinye izibopho | ||
| Isamba sezindleko zenyanga | ||
| Umholo osele | ||
| Inkokhelo yalesi sikweletu | ||
| Isilinganiso somthwalo wesikweletu (%) |
4Umlando nokuziphatha kwezikweletu
Amaphuzu ehhovisi | Usuku lombiko | Ukwehluleka ukukhokha / izigwebo |
Izikweletu zangaphambilini kithi | Ukubambezeleka okubi kakhulu okurekhodiwe |
| Umbolekisi | Injongo | Ibhalansi | Inkokhelo | Ukuziphatha |
|---|---|---|---|---|
5Isibambiso esinikeziwe
| Incazelo yesibambiso | Uhlobo | Inani elimenyezelwe | Inani elihloliwe | LTV % |
|---|---|---|---|---|
| Uhlu | Imali |
|---|---|
| Isamba senani elimenyezelwe | |
| Isamba senani elihloliwe | |
| Isikweletu ngokwenani |
6Ikhadi lamaphuzu esikweletu
| Isilinganiso | Isisindo | Amaphuzu 1–5 | Asindayo |
|---|---|---|---|
| Isimilo — umlando nokuziphatha ekukhokheni | 20% | ||
| Amandla — umholo uqhathaniswa nezibopho | 25% | ||
| Imali — umnikelo wakhe nokonga | 15% | ||
| Isibambiso — izinga nokumboza kwaso | 20% | ||
| Izimo — injongo, umkhakha nokulindelekile | 10% | ||
| Ukuthobela — ukwazi ikhasimende namadokhumenti | 10% | ||
| Isamba | 100% |
Isamba samaphuzu asindayo | Ibanga lengozi A — ephansiB — emaphakathiC — ephakemeD — enkulu |
7Ukuhlola kwesikhulu sezikweletu
Amandla alesi sicelo |
Izingozi ezitholakele |
Izinto ezinciphisa ingozi nemibandela ehlongozwayo |
8Isincomo
Isincomo sesikhulu Gunyaza njengoba kuceliweGunyaza ngezinguqukoNqabaDlulisela ekomidini |
Imali enconyiwe | Inzalo enconyiwe | Isikhathi esinconyiwe | Inkokhelo |
Izizathu zalesi sincomo |
Sinconywe ngu | Usuku |
Ngiyaqinisekisa ukuthi ngixoxisane nomfaki-sicelo, ngibonile umqulu wangempela wawo wonke amadokhumenti amakiwe ngenhla, nokuthi izibalo ezilotshwe kuleli fomu zibonisa ngokweqiniso imininingwane nobufakazi engabukhonjiswa. Isincomo esenziwe ngenhla ngesami futhi asithonywanga ngalutho olunikezwe ngumfaki-sicelo.
9Isinqumo nokugunyazwa
| Izinga | Igama | Isinqumo | Isignesha nosuku |
|---|---|---|---|
| Isikhulu sezikweletu | |||
| Umphathi wegatsha noma wezikweletu | |||
| Ikomidi lezikweletu |
10Imibandela nemigomo egunyaziwe
Imibandela okumele igcwaliseke ngaphambi kokukhishwa kwemali |
Imali egunyaziwe | Inzalo egunyaziwe | Isikhathi esigunyaziwe | Inkokhelo yokuqala ifika |
Ukusetshenziswa kwefayela kuphela
Inkomba yefayela | Usuku lokugcinwa | Usuku lokukhishwa kwemali |
Kufakwe ngu | Inkomba yesikweletu ohlelweni |
Ifomu Yokuhlola Nesinqumo Sesikweletu
Umbolekimali oyibhizinisi
1Inkomba yesicelo
Igama lomfaki-sicelo | Inkomba yesicelo | Usuku lokwamukelwa |
Uhlobo lwesikweletu | Imali eceliwe | Isikhathi esiceliwe |
Injongo yesikweletu | Isikhulu esihlolayo |
2Ukuqinisekisa nokwazi ikhasimende
Umazisi YeboChaAkusebenzi | Ubufakazi bekheli YeboChaAkusebenzi |
Izitatimende zasebhange YeboChaAkusebenzi | Umbiko wehhovisi lezikweletu YeboChaAkusebenzi |
Amadokhumenti esibambiso YeboChaAkusebenzi | Izinkomba ezihloliwe YeboChaAkusebenzi |
Ukubhaliswa kwebhizinisi YeboChaAkusebenzi | Izitatimende zezimali YeboChaAkusebenzi |
Kuqinisekiswe ngu | Usuku lokuqinisekisa |
3Umholo namandla okukhokha
| Uhlu | Imali yenyanga | Kuqinisekiswe kusuka ku |
|---|---|---|
| Ithengiso lenyanga | ||
| Izindleko zokuthengisa | ||
| Inzuzo engahluziwe | ||
| Izindleko zokusebenza | ||
| Inzuzo esele | ||
| Izinkokhelo zezikweletu ezikhona | ||
| Inkokhelo yalesi sikweletu | ||
| Ukumboza inkokhelo yesikweletu (x) |
4Umlando nokuziphatha kwezikweletu
Amaphuzu ehhovisi | Usuku lombiko | Ukwehluleka ukukhokha / izigwebo |
Izikweletu zangaphambilini kithi | Ukubambezeleka okubi kakhulu okurekhodiwe |
| Umbolekisi | Injongo | Ibhalansi | Inkokhelo | Ukuziphatha |
|---|---|---|---|---|
5Isibambiso esinikeziwe
| Incazelo yesibambiso | Uhlobo | Inani elimenyezelwe | Inani elihloliwe | LTV % |
|---|---|---|---|---|
| Uhlu | Imali |
|---|---|
| Isamba senani elimenyezelwe | |
| Isamba senani elihloliwe | |
| Isikweletu ngokwenani |
6Ikhadi lamaphuzu esikweletu
| Isilinganiso | Isisindo | Amaphuzu 1–5 | Asindayo |
|---|---|---|---|
| Isimilo — umlando nokuziphatha ekukhokheni | 15% | ||
| Amandla — umholo uqhathaniswa nezibopho | 25% | ||
| Imali — umnikelo wakhe nokonga | 15% | ||
| Isibambiso — izinga nokumboza kwaso | 15% | ||
| Izimo — injongo, umkhakha nokulindelekile | 10% | ||
| Ukuthobela — ukwazi ikhasimende namadokhumenti | 10% | ||
| Umlando wokuhweba — iminyaka esebenzayo nokuzinza | 10% | ||
| Isamba | 100% |
Isamba samaphuzu asindayo | Ibanga lengozi A — ephansiB — emaphakathiC — ephakemeD — enkulu |
7Ukuhlola kwesikhulu sezikweletu
Amandla alesi sicelo |
Izingozi ezitholakele |
Izinto ezinciphisa ingozi nemibandela ehlongozwayo |
8Isincomo
Isincomo sesikhulu Gunyaza njengoba kuceliweGunyaza ngezinguqukoNqabaDlulisela ekomidini |
Imali enconyiwe | Inzalo enconyiwe | Isikhathi esinconyiwe | Inkokhelo |
Izizathu zalesi sincomo |
Sinconywe ngu | Usuku |
Ngiyaqinisekisa ukuthi ngixoxisane nomfaki-sicelo, ngibonile umqulu wangempela wawo wonke amadokhumenti amakiwe ngenhla, nokuthi izibalo ezilotshwe kuleli fomu zibonisa ngokweqiniso imininingwane nobufakazi engabukhonjiswa. Isincomo esenziwe ngenhla ngesami futhi asithonywanga ngalutho olunikezwe ngumfaki-sicelo.
9Isinqumo nokugunyazwa
| Izinga | Igama | Isinqumo | Isignesha nosuku |
|---|---|---|---|
| Isikhulu sezikweletu | |||
| Umphathi wegatsha noma wezikweletu | |||
| Ikomidi lezikweletu |
10Imibandela nemigomo egunyaziwe
Imibandela okumele igcwaliseke ngaphambi kokukhishwa kwemali |
Imali egunyaziwe | Inzalo egunyaziwe | Isikhathi esigunyaziwe | Inkokhelo yokuqala ifika |
Ukusetshenziswa kwefayela kuphela
Inkomba yefayela | Usuku lokugcinwa | Usuku lokukhishwa kwemali |
Kufakwe ngu | Inkomba yesikweletu ohlelweni |
Ifomu Yokuhlola Nesinqumo Sesikweletu
Umbolekimali oyiqembu
1Inkomba yesicelo
Igama lomfaki-sicelo | Inkomba yesicelo | Usuku lokwamukelwa |
Uhlobo lwesikweletu | Imali eceliwe | Isikhathi esiceliwe |
Injongo yesikweletu | Isikhulu esihlolayo |
2Ukuqinisekisa nokwazi ikhasimende
Umazisi YeboChaAkusebenzi | Ubufakazi bekheli YeboChaAkusebenzi |
Izitatimende zasebhange YeboChaAkusebenzi | Umbiko wehhovisi lezikweletu YeboChaAkusebenzi |
Amadokhumenti esibambiso YeboChaAkusebenzi | Izinkomba ezihloliwe YeboChaAkusebenzi |
Umthethosisekelo weqembu YeboChaAkusebenzi | Irejista yamalungu YeboChaAkusebenzi |
Kuqinisekiswe ngu | Usuku lokuqinisekisa |
3Umholo namandla okukhokha
| Uhlu | Imali yenyanga | Kuqinisekiswe kusuka ku |
|---|---|---|
| Isamba seminikelo yamalungu | ||
| Ibhalansi yesikhwama seqembu | ||
| Eminye imali engenayo yeqembu | ||
| Isamba somholo wenyanga weqembu | ||
| Izindleko zokusebenza kweqembu | ||
| Izinkokhelo zezikweletu ezikhona | ||
| Umholo osele | ||
| Inkokhelo yalesi sikweletu | ||
| Umthwalo welungu ngalinye |
4Umlando nokuziphatha kwezikweletu
Amaphuzu ehhovisi | Usuku lombiko | Ukwehluleka ukukhokha / izigwebo |
Izikweletu zangaphambilini kithi | Ukubambezeleka okubi kakhulu okurekhodiwe |
| Umbolekisi | Injongo | Ibhalansi | Inkokhelo | Ukuziphatha |
|---|---|---|---|---|
5Isibambiso esinikeziwe
| Incazelo yesibambiso | Uhlobo | Inani elimenyezelwe | Inani elihloliwe | LTV % |
|---|---|---|---|---|
| Uhlu | Imali |
|---|---|
| Isamba senani elimenyezelwe | |
| Isamba senani elihloliwe | |
| Isikweletu ngokwenani |
6Ikhadi lamaphuzu esikweletu
| Isilinganiso | Isisindo | Amaphuzu 1–5 | Asindayo |
|---|---|---|---|
| Isimilo — umlando nokuziphatha ekukhokheni | 15% | ||
| Amandla — umholo uqhathaniswa nezibopho | 20% | ||
| Imali — umnikelo wakhe nokonga | 10% | ||
| Isibambiso — izinga nokumboza kwaso | 10% | ||
| Izimo — injongo, umkhakha nokulindelekile | 10% | ||
| Ukuthobela — ukwazi ikhasimende namadokhumenti | 10% | ||
| Ukuziphatha kweqembu — ukuya emihlanganweni nokuphathwa kwesikhwama | 15% | ||
| Umlando wokukhokha — imijikelezo edlule yeqembu | 10% | ||
| Isamba | 100% |
Isamba samaphuzu asindayo | Ibanga lengozi A — ephansiB — emaphakathiC — ephakemeD — enkulu |
7Ukuhlola kwesikhulu sezikweletu
Amandla alesi sicelo |
Izingozi ezitholakele |
Izinto ezinciphisa ingozi nemibandela ehlongozwayo |
8Isincomo
Isincomo sesikhulu Gunyaza njengoba kuceliweGunyaza ngezinguqukoNqabaDlulisela ekomidini |
Imali enconyiwe | Inzalo enconyiwe | Isikhathi esinconyiwe | Inkokhelo |
Izizathu zalesi sincomo |
Sinconywe ngu | Usuku |
Ngiyaqinisekisa ukuthi ngixoxisane nomfaki-sicelo, ngibonile umqulu wangempela wawo wonke amadokhumenti amakiwe ngenhla, nokuthi izibalo ezilotshwe kuleli fomu zibonisa ngokweqiniso imininingwane nobufakazi engabukhonjiswa. Isincomo esenziwe ngenhla ngesami futhi asithonywanga ngalutho olunikezwe ngumfaki-sicelo.
9Isinqumo nokugunyazwa
| Izinga | Igama | Isinqumo | Isignesha nosuku |
|---|---|---|---|
| Isikhulu sezikweletu | |||
| Umphathi wegatsha noma wezikweletu | |||
| Ikomidi lezikweletu |
10Imibandela nemigomo egunyaziwe
Imibandela okumele igcwaliseke ngaphambi kokukhishwa kwemali |
Imali egunyaziwe | Inzalo egunyaziwe | Isikhathi esigunyaziwe | Inkokhelo yokuqala ifika |
Ukusetshenziswa kwefayela kuphela
Inkomba yefayela | Usuku lokugcinwa | Usuku lokukhishwa kwemali |
Kufakwe ngu | Inkomba yesikweletu ohlelweni |
Indlela yokusebenzisa leli fomu
- 1Ihlanganise nesiceloIzigaba zayo zihambisana nefomu yesicelo sesikweletu isikhala nesikhala, ngakho isikhulu singafunda ngqo kusuka kulokho umbolekimali akubhalile kuya kulokho okuqinisekisiwe. Khetha uhlobo oluhambisana nombolekimali osesicelweni.
- 2Yidlule ngokulandelanaQinisekisa ngaphambi kokuhlola, bese uhlola ngaphambi kokunikeza amaphuzu. Ithebula lamandla likhipha inombolo eyodwa umugqa wamandla ekhadini oyithembele, bese ikhadi likhipha ibanga isincomo esisekelwe kulo.
- 3Sayina kuzo zonke izinga elinqumileIsikhulu siyancoma, umphathi noma ikomidi liyanquma. Izinga ngalinye lisayina umugqa walo, ngakho ezinyangeni ezizayo ifayela libonisa ukuthi ngubani ogunyaze ini nangabuphi ubufakazi — yikho kanye lokho okubuzwa umcwaningimabhuku.
Ifomu idlula kukuphi
- Inkomba yesicelo — umfaki-sicelo, imali, isikhathi, injongo nesikhulu esihlolayo
- Uhlu lokuqinisekisa: umazisi, ikheli, izitatimende zasebhange, umbiko wehhovisi namadokhumenti esibambiso, ngasinye simakwa yebo, cha noma akusebenzi
- Ithebula lamandla elihlanganisa umholo, likhiphe izindleko bese lifika esilinganisweni somthwalo wesikweletu
- Umlando wezikweletu: amaphuzu ehhovisi, ukwehluleka ukukhokha, izikweletu zangaphambilini kuwe, nohlu lwezibopho ezikhona
- Isibambiso esinikeziwe, into nento, ngamanani amenyezelwe nahloliwe nomugqa wesikweletu ngokwenani
- Ikhadi lamaphuzu asindayo lama-C amahlanu elinezisindo eziphrintiwe, amaphuzu angenalutho nesamba
- Ukuhlola kwesikhulu ngokwaso — amandla, izingozi nezinto ezinciphisa ingozi
- Isincomo esinemali, inzalo, isikhathi nenkokhelo ehlongozwayo
- Ukusayina emazingeni amathathu: isikhulu sezikweletu, umphathi nekomidi
- Imibandela yangaphambili nemigomo egcine igunyaziwe
Ufuna ukwenza isibalo samandla esikrinini?
Isigaba 3 saleli fomu siyizibalo, futhi izibalo ezenziwa ngesandla ekhaunteni ekugcineni ziyaphambana. Isibali samandla okuboleka sidlula kuzo lezo zibalo ngesiphequluli, futhi i-Lendbox inikeza ifayela lonke amaphuzu bese ilidlulisela ekugunyazweni ngaphandle kwephepha elilodwa.
Vula isibali samandla okubolekaImibuzo ebuzwa ababolekisi
- Yidokhumenti yokusebenza yombolekisi ukuze anqume ngesicelo esisodwa. Lapho ifomu yesicelo ibhala lokho okushiwo ngumbolekimali, ifomu yokuhlola ibhala lokho okutholwe ngumbolekisi: yimaphi amadokhumenti abonwe ngempela, kusala kanjani ngempela emholweni, sibiza malini isibambiso ngemva kokuhlolwa, nokuthi ifayela lithola amaphuzu angakanani uma liqhathaniswa nemigomo yombolekisi ngokwakhe. Yibona ubufakazi obubhaliwe ngemuva kokuvuma noma ukwenqaba.
- Umbolekisi, ngaso sonke isikhathi. Akukho lutho kuleli fomu okumele lugcwaliswe ngumfaki-sicelo, futhi akumele linikezwe ekhaunteni. Yirekhodi lokuhlola langaphakathi, futhi ezindaweni eziningi liyingxenye yefayela umcwaningimabhuku noma umlawuli onelungelo lokulihlola.
- Isilinganiso ngasinye siphethe isisindo esiphrintiwe futhi lezo zisindo eziyisithupha noma ngaphezulu zihlanganisa u-100. Isikhulu sinikeza umugqa ngamunye amaphuzu kusuka ku-1 kuya ku-5, siphindaphinde ngesisindo, bese sihlanganisa ikholomu esindayo ukuthola amaphuzu kwangu-500. Ukuthi umkhawulo wokuphumelela ukuphi, nokuthi yiliphi ibanga elihambisana nayiphi indawo, yisinqumo senqubomgomo yakho yezikweletu — ifomu ishiya ibanga lingenalutho kunokuthi ithathe umkhawulo obungaba yiphutha kubabolekisi abaningi.
- Yebo, futhi ababolekisi abaningi kufanele bakwenze. Izisindo lapha ziyisiqalo esejwayelekile esakhelwe kuma-C amahlanu esikweletu, hhayi umthetho. Landa uhlobo lwe-Word, ufake izisindo inqubomgomo yakho ezisebenzisayo ngempela, wenze kube yifomu yakho yendlu — ugcine nje ikholomu ihlanganisa u-100, ngaphandle kwalokho izibalo azisasho lutho.
- Yinkokhelo ehlongozwayo ihlukaniswe ngomholo osele wombolekimali, njengephesenti — ingxenye engakanani yalokho akutholayo eya ekukhokheni lesi sikweletu. Ababolekisi bavamise ukufuna okungaphansi kwengxenye yesithathu uma sekubalwe izibopho ezikhona, kodwa inombolo eyamukelekayo incike ezingeni lomholo nasemithethweni yomlawuli wakho. Ifomu ibala isilinganiso; inqubomgomo yakho ibeka umkhawulo.
- Izibalo zihluke ngokwanele ukuze impendulo ibe yebo, kuyasiza. Amandla eqembu yisamba seminikelo yamalungu alo uma kuqhathaniswa nezibopho zeqembu ngokwalo, futhi umthwalo obalulekile ngowelungu ngalinye kunowesamba. Uhlobo lweqembu lwaleli fomu lwenza lolo hlukaniso, futhi lunikeza amaphuzu ngokuya emihlanganweni nangokukhokha komjikelezo odlule, okungenakho okufanayo efayeleni lomuntu oyedwa.
Iyini ifomu yokuhlola isikweletu?
Ubani oyigcwalisayo — umbolekimali noma umbolekisi?
Lisebenza kanjani ikhadi lamaphuzu asindayo?
Ngingazishintsha izilinganiso noma izisindo?
Siyini isilinganiso somthwalo wesikweletu, futhi yisiphi esamukelekayo?
Sidinga ifomu yokuhlola ehlukene yezikweletu zamaqembu?
Leli thempulethi linikezwa ukuze kunikezwe ulwazi olujwayelekile futhi aliyona iseluleko sezomthetho noma sezikweletu. Ukuhlolwa kwamandla okukhokha kulawulwa ngendlela ehlukile ezweni ngalinye, futhi izisindo, izilinganiso nemikhawulo ekuleli fomu ziyisiqalo hhayi izinga elimisiwe — yenza inqubomgomo yakho yezikweletu naleli fomu kubuyekezwe kuqhathaniswa nemithetho yokubolekisa yendawo yakho ngaphambi kokuba ukusebenzise ukunquma noma yini.
Yeka ukunikeza amafayela amaphuzu ephepheni
I-Lendbox ihlola amandla okukhokha, amaphuzu nemikhawulo yakho yokugunyaza esicelweni ngesikhathi sifika, idlulisela ifayela kunoma ubani okumele asayine, futhi igcine wonke umkhondo wesinqumo esikweletwini — ngakho ifomu izibhalela yona.
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