Ithuluzi lamahhala lokubolekisa
Isibali sezinga lenzalo elisebenzayo
Imali-mboleko ethengiswa ngo-«10% oqondile» ayibizi u-10%. Faka imibandela ngezansi ubone izinga lenzalo elisebenzayo ne-APR eceleni kwezinga elishiwoyo — kufakwe nezimali zenkonzo — ukuze wazi ukuthi lesi sikweletu sibiza malini ngempela.
Imibandela yemali-mboleko
Izimali zenkonzo
AkuphoqelekileIzimali zokuvula, zokuhlela noma zokucubungula ezisuswa ngaphambi kokuba imali ifike kobolekayo.
Izimali zenkonzo, zokuphatha noma zomshwalense ezengezwa kunkokhelo ngayinye.
Izinga lenzalo elisebenzayo
19.53%
Izinga elishiwoyo: 10.00% eliqondile
+9.53 amaphuzu ephesenti ngaphezu kwezinga elishiwoyo
I-APR (izinga lonyaka elivamile): 17.97%
Izinga lonyaka elikhokhwa ngempela, uma sekubalwe ibhalansi encipha, ukuvama kwezinkokhelo kanye nazo zonke izimali zenkonzo.
- Isikweletu senyanga
- R 916.67
- Inani lezinkokhelo
- 12
- Inani elitholwa ngobolekayo
- R 10,000.00
- Inzalo iyonke
- R 1,000.00
- Izimali zenkonzo zizonke
- R 0.00
- Izindleko zonke zesikweletu
- R 1,000.00
- Sekukhokhwe sekukonke
- R 11,000.00
Iya kuphi imali
- Imali eyisisekelo
- Inzalo
- Izimali zenkonzo
Ukulinganisela kokuqhathanisa. Umlawuli wakho noma umbolekisi angase aphathe ngendlela ehlukile izimali zenkonzo, ukulinganisa izinombolo nezinsuku zokukhokha, okungashintsha kancane i-APR ememezelwayo.
Kungani izinga elishiwoyo livame ukungabi yilona lelona
Izinto ezintathu zikhuphula ngokuthula izindleko zangempela ngaphezu kwenombolo ememezelwayo. Isibali sikubala konke lokhu.
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Ibhalansi iyancipha, izinga eliqondile alincipheli
Izinga eliqondile likhokhisa inzalo kunani lonke lokuqala isikhathi sonke — ngisho nasenyangeni yokugcina, lapho ingxenye enkulu yemali-mboleko isikhokhiwe. Obolekayo ukhokhela imali angasenayo.
- 2
Ukuvama kwandisa inzalo
Ukukhokha njalo ngesonto kunokuba ngonyaka kwenza imali eyisisekelo ibuye ngokushesha, ikwazi ukubolekiswa futhi ngokushesha. Uma izinkokhelo zivama kakhulu, izinga elisebenzayo liba phezulu ngaphezulu ngaphansi kwenombolo efanayo ememezelwayo.
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Izimali zenkonzo ziyinzalo ngelinye igama
Imali yokuhlela esuswa ngesikhathi sokukhipha imali isho ukuthi obolekayo akalitholi inani eliphelele kodwa ukhokha sengathi ulitholile. Uma yabiwe esikhathini esifushane, imali encane ishintsha kakhulu izinga elisebenzayo.
Izinga eliqondile nebhalansi encipha
Wona kanye u-10% emali-mbolekweni yezinyanga ezingu-12, eshiwo ngezindlela ezimbili. Inombolo yebhalansi encipha yiyona eqinisile.
| Izinga eliqondile nebhalansi encipha | Izinga eliqondile | Ibhalansi encipha |
|---|---|---|
| Inzalo ikhokhiswa ku- | Inani lokuqala, kuzo zonke izikhathi | Ibhalansi esakweletwayo kuphela |
| Inzalo iyonke ngo-10% ezinyangeni ezingu-12 | U-10% wemali-mboleko | Cishe u-5.5% wemali-mboleko |
| Izinga lenzalo elisebenzayo | Cishe u-19.5% | Cishe u-10.5% |
| Kuvamile ku- | Imali-mboleko encane, uxhaso lwempahla, imali-mboleko yeholo | Imali-mboleko yebhange, izikweletu zezindlu, isikweletu esilawulwayo esiningi |
Ayikho indlela kulezi ezimbili engalungile ngokwayo — kodwa ukumemezela izinga eliqondile ungasho izinga elisebenzayo kwenza imali-mboleko ibonakale ibiza cishe uhhafu walokho ebiza khona ngempela.
Imibuzo mayelana ne-EIR ne-APR
- Zombili zenza izinga elifanayo lesikhathi libe elonyaka, kodwa ngezindlela ezihlukene. I-APR iphindaphinda izinga lesikhathi ngenani lezikhathi onyakeni bese iyama lapho. I-EIR yona iyalandisa inzalo phezu kwenzalo, ngakho ikhombisa lokho obolekayo akukhokhayo uma inzalo yesikhathi esisodwa ikhokhiswa kwesilandelayo. I-EIR ihlala iphezulu kunazo zombili, futhi igebe likhula uma izinkokhelo zivama kakhulu.
- Ngoba izinga eliqondile likhokhisa inzalo kunani elabolekwa ekuqaleni, hhayi kulokho okusakweletwayo. Esikweletwini sokugcina obolekayo angase akweletwe okungaphansi kwengxenye eyodwa kweziyishumi yemali-mboleko kodwa esakhokha inzalo yayo yonke. Esikhathini sezinyanga ezingu-12 ngezinkokhelo zanyanga zonke, izinga eliqondile lifinyelela cishe kabili inombolo yalo ememezelwayo.
- Kufanele. Noma yiyiphi imali obolekayo angeke ayigweme — ukuvula, ukuhlela, ukucubungula, umshwalense oyimpoqo — iyingxenye yezindleko zesikweletu futhi kufanele ibalwe. Leli thuluzi lisusa izimali zokuqala kunani elikhishwayo bese lengeza izimali eziphindaphindekayo kusikweletu ngasinye, okuyindlela ejwayelekile.
- Alikho inani elilodwa lokuphindaphinda, ngoba impendulo incike esikhathini nasekuvameni kwezinkokhelo. Njengomhlahlandlela ongaqondile, izinga eliqondile emali-mbolekweni ekhokhwa ngezikweletu ezilinganayo phakathi nonyaka owodwa lisondela kabili ezingeni elifanayo lebhalansi encipha. Kunoma yikuphi ozokumemezela, kubale kahle — beka indlela ibe eqondile ngenhla bese ufunda izinga elisebenzayo.
- Landela umlawuli wakho, okusho ezimakethe eziningi izinga lonyaka elisebenzayo noma i-APR ebalwe ngendlela emisiwe. Ngaphandle kokuthobela imithetho, ukumemezela izinga elisebenzayo yikho okwenza amanani akho aqhathaniseke nawabanye ababolekisi — futhi ababoleki bayakubheka lokhu ngokwengeziwe.
- Cha. Ukubala konke kwenzeka kusiphequluli sakho. Akukho okubhalayo okuthunyelwa kuseva, okugcinwayo noma okuqoshwayo, futhi akudingeki ukubhalisa.
Uyini umehluko phakathi kwe-EIR ne-APR?
Kungani izinga eliqondile liba phezulu kangaka njengezinga elisebenzayo?
Ingabe i-APR ifaka izimali zenkonzo?
Ngiliguqula kanjani izinga eliqondile libe elebhalansi encipha?
Yiliphi izinga okufanele ngilazise ababoleki?
Ingabe idatha yami iyagcinwa?
Beka intengo yayo yonke imali-mboleko kanjena, ngokuzenzakalela
I-Lendbox ibala amazinga asebenzayo, yakhe uhlelo lwezinkokhelo futhi ilandelele okukweletwayo ngempela kuyo yonke incwadi yakho — hhayi imali-mboleko eyodwa ngesikhathi esisibalini.
Ayidingeki ikhadi lesikweletu.
Qhubeka uhlola
- Onke amathuluzi amahhalaAmathuluzi amahhala kwabamali-mbolekoKhetha ithuluzi uthole impendulo ngemizuzwana. Sisengeza okunye, ngakho buya maduze.
- Ithuluzi elihlobeneIsenzi Sesivumelwano Semali-mbolekoGcwalisa ifomu elilodwa, ubale ngokuzenzakalelayo inkokhelo nenzalo, uhlele noma yisiphi isigatshana ngesandla, bese ulanda i-PDF ehlanzekile, eyobungcweti. Akukho kubhalisa okudingekayo.