Ithuluzi lamahhala lokubolekisa
Izinga eliqondile nebhalansi encipha
Ababolekisi ababili bamemezela u-10 % ofanayo. Omunye uwukhokhisa enanini lokuqala isikhathi sonke, omunye kuphela kulokho okusadingeka — futhi obolekayo ukhokha owokuqala inzalo ecishe iphindwe kabili. Faka isethi eyodwa yemibandela ngezansi ukuze ubale imalimboleko ngezindlela zombili ngasikhathi sinye.
Imibandela yemali-mboleko
Isethi eyodwa yemibandela, ebalwe ngezindlela ezimbili. Ayikho indlela ozoyikhetha — yilokho kanye ukuqhathanisa.
Inzalo eyengeziwe ngaphansi kwezinga eliqondile
R 450.09
Leyo inzalo engeziwe ngo-81.85% ngezinga elifanayo elishiwoyo lika-10.00% — imali obolekayo ayikhokhela ibhalansi asayikhokha kakade.
| Isilinganiso | Izinga eliqondile | Ibhalansi encipha |
|---|---|---|
| Isikweletu ngasinye | R 916.67 | R 879.16 |
| Inani lezinkokhelo | 12 | 12 |
| Inzalo iyonke | R 1,000.00 | R 549.91 |
| Sekukhokhwe sekukonke | R 11,000.00 | R 10,549.91 |
| Izinga lenzalo elisebenzayo | 19.53% | 10.47% |
| I-APR (izinga lonyaka elivamile) | 17.97% | 10.00% |
Intengo efanayo, ememezelwe ngobuqotho
- Izinga eliqondile lika-10.00% libiza obolekayo ncamashí lokho izinga lebhalansi encipha lika-17.97% ebeliyokubiza.
- Ukuze uqoqe lokho imalimboleko yebhalansi encipha ka-10.00% ekuqoqayo, ubuzomemezela u-5.50% njengezinga eliqondile.
Alikho inani elimisiwe lokuphindaphinda phakathi kwalezi zimbili. Igebe lincike esikhathini nasekutheni obolekayo ukhokha kangaki, yingakho kufanele libalwe kunokuqagelwa.
Lokhu ukuqhathanisa izindlela zenzalo, ngakho izimali zokukhokha zishiyiwe ngaphandle — imali yokukhokha ibiza okufanayo kuzo zombili. Ukuze ufake izimali zokuvula nezalo isikweletu ezingeni langempela, sebenzisa isibali-mali sezinga lenzalo elisebenzayo.
Lapho izindlela zombili zihlukana khona
Inzalo ekhokhiswa esikweletwini ngasinye. Izinga eliqondile alinyakazi nanini; ibhalansi encipha iyehla njengoba isikweletu sikhokhwa. Isikhala esinomthunzi yilo umehluko.
- Izinga eliqondile
- Ibhalansi encipha
Bonisa uhlelo oluphelele lokuqhathanisaFihla uhlelo
| Nom. | Inzalo (eqondile) | Inzalo (encipha) | Ibhalansi (eqondile) | Ibhalansi (encipha) |
|---|---|---|---|---|
| 1 | R 83.33 | R 83.33 | R 9,166.67 | R 9,204.17 |
| 2 | R 83.33 | R 76.70 | R 8,333.33 | R 8,401.72 |
| 3 | R 83.33 | R 70.01 | R 7,500.00 | R 7,592.57 |
| 4 | R 83.33 | R 63.27 | R 6,666.67 | R 6,776.69 |
| 5 | R 83.33 | R 56.47 | R 5,833.33 | R 5,954.00 |
| 6 | R 83.33 | R 49.62 | R 5,000.00 | R 5,124.46 |
| 7 | R 83.33 | R 42.70 | R 4,166.67 | R 4,288.00 |
| 8 | R 83.33 | R 35.73 | R 3,333.33 | R 3,444.58 |
| 9 | R 83.33 | R 28.70 | R 2,500.00 | R 2,594.12 |
| 10 | R 83.33 | R 21.62 | R 1,666.67 | R 1,736.58 |
| 11 | R 83.33 | R 14.47 | R 833.33 | R 871.89 |
| 12 | R 83.33 | R 7.27 | R 0.00 | R 0.00 |
Kungani igebe libanzi kangaka
Izindlela zombili ziphendula umbuzo ofanayo ngendlela ehlukile: obolekayo ukhokha inzalo kuphi ngempela?
- 1
Izinga eliqondile likhokhisa imali esikhokhiwe kakade
Izinga eliqondile lisebenzisa izinga eligcwele enanini lokuqala kuzo zonke izikhathi. Esikweletwini sokugcina obolekayo angase akweleta okukodwa keshumi kwemali-mboleko kodwa aqhubeke ekhokha inzalo kuyo yonke — ngakho cishe uhhafu wenzalo awuthengi lutho.
- 2
Ibhalansi encipha ilandela isikweletu sehla
Inzalo ibalwa kabusha isikhathi ngasinye kulokho okusadingeka ngempela. Izinkokhelo zokuqala ziyinzalo kakhulu, ezakamuva zibe yimali eyinhloko, futhi umthwalo uyehla njengoba ibhalansi yehla. Yiyo indlela esemuva kwezimali-mboleko eziningi zamabhange nezezindlu.
- 3
Inombolo ememezelwe iyakufihla konke lokhu
Zombili izimali-mboleko zingakhangisa iphesenti elifanayo. Alukho ulwazi enanini elimenyezelwe olutshela obolekayo ukuthi iyiphi indlela esebenzayo, yingakho ukuqhathanisa izethembiso ezimbili ngezinga elimenyezelwe kuphela kungenalo usizo.
Iyiphi indlela okufanele uyisebenzise?
Amazinga aqondile awakhohlisi ngokwawo — alula ukuwaphatha futhi kulula ukuthi obolekayo awakhumbule. Inkinga ukumemezela elinye kube sengathi yilelinye.
| Iyiphi indlela okufanele uyisebenzise? | Izinga eliqondile | Ibhalansi encipha |
|---|---|---|
| Inzalo ikhokhiswa ku | Inani lokuqala, isikhathi ngasinye | Ibhalansi esadingeka kuphela |
| Ubukhulu besikweletu | Buyalingana, futhi kulula ukubuchaza | Buyalingana nakho, kodwa ukwabiwa kusuka enzalweni kuya emalini eyinhloko |
| Ukukhokha ngaphambi kwesikhathi | Kunzima — inzalo yayibalwe isikhathi sonke | Kwemvelo; obolekayo umane ayeke ukwandiselwa inzalo |
| Ivamise ukusetshenziswa yi | Ezezimali ezincane, ukuxhaswa kwempahla, izimali-mboleko zeholo nezamaqembu | Amabhange, izimali-mboleko zezindlu, nezikweletu eziningi zabathengi ezilawulwayo |
| Isidingo sokwembula | Ngokuvamile sidinga ukuthi izinga elisebenzayo libonakale eceleni kwalo | Ngokuvamile lihambisana ngqo nezinga elimenyezelwe |
Uma umemezela izinga eliqondile, memezela izinga elisebenzayo eceleni kwalo. Ababolekayo baya beqhathanisa izethembiso ngamazinga asebenzayo, futhi ezimakethe eziningi abalawuli manje sebekufuna lokho.
Imibuzo mayelana nezinga eliqondile nebhalansi encipha
- Kobolekayo, ibhalansi encipha ishibhile njalo ezingeni elifanayo elimenyezelwe — ngokuvamile cishe uhhafu esikhathini sonyaka owodwa. Kobolekisayo, izinga eliqondile lilula ukuliphatha futhi lizuzisa kakhulu enombolweni efanayo emenyezelwe, yingakho kanye lidume ezimalini ezincane. Alukho olulodwa olungalungile; inkinga ukumemezela izinga eliqondile ngaphandle kokwembula ukuthi libiza malini ngempela.
- Alikho inani elilodwa lokuphindaphinda, ngoba impendulo incike esikhathini nasekuvameni kwenkokhelo. Umthetho ovamile uthi izinga eliqondile emali-mbolekweni ekhokhwa ngezikweletu ezilinganayo onyakeni owodwa lisondela ekuphindweni kabili kwezinga lebhalansi encipha elilinganayo — kodwa lokho kusebenza kuleso simo sodwa semali-mboleko. Faka imibandela yakho ngenhla bese ufunda izinga elilinganayo ngqo.
- Ikakhulukazi ngenxa yobulula. Izinga eliqondile lenza isikweletu esigcwele, esingaguquki, isikhulumi sezikweletu esingasibala ngesandla nobolekayo angasikhumbula, okubalulekile lapho izimali-mboleko zincane futhi ziphathwa ensimini. Umkhawulo ukuthi lifihla izindleko zangempela, ngakho abalawuli abaningi manje badinga ukuthi izinga elisebenzayo lembulwe eceleni kwalo.
- Ezimakethe eziningi yebo — okulawulwayo ukwembula, hhayi indlela. Ababolekisi ngokuvamile kudingeka basho izinga lonyaka elisebenzayo noma i-APR ebalwe ngendlela emisiwe, noma ngabe yiliphi izinga lenzalo abalisebenzisayo ngaphakathi. Hlola umlawuli wakho, ngoba ukubala okumisiwe nendlela izimali zokukhokha eziphathwa ngayo kuyahluka.
- Cha, ngamabomu. Imali yokukhokha ibiza okufanayo kuzo zombili izindlela, ngakho ukuyifaka bekungakhulisa amakholomu womabili ngaphandle kokushintsha ukuqhathanisa. Ukuze ubone ukuthi izimali zokuvula nezalo isikweletu zenzani ezingeni langempela, sebenzisa isibali-mali sezinga lenzalo elisebenzayo.
- Cha. Konke ukubala kwenzeka esiphequluli sakho. Akukho okubhalayo okuthunyelwa kuseva, okugcinwayo, noma okuqoshwayo, futhi akukho kubhalisa.
Yikuphi okungcono, izinga eliqondile noma ibhalansi encipha?
Ngiliguqula kanjani izinga eliqondile libe elebhalansi encipha?
Kungani izikhungo zezimali ezincane zimemezela amazinga aqondile?
Ingabe ukukhokhisa izinga eliqondile kusemthethweni?
Ingabe leli thuluzi lifaka izimali zokukhokha?
Ingabe idatha yami iyagcinwa?
Bala ngezindlela zombili, kuzo zonke izimali-mboleko ozibhalayo
I-Lendbox iphatha imikhiqizo yezinga eliqondile neyebhalansi encipha ndawonye, yakhe uhlelo, yembule izinga elisebenzayo, futhi ilandelele okusadingeka ngempela kuyo yonke incwadi yakho — hhayi imali-mboleko eyodwa ngasikhathi.
Ayidingeki ikhadi lesikweletu.
Qhubeka uhlola
- Onke amathuluzi amahhalaAmathuluzi amahhala kwabamali-mbolekoKhetha ithuluzi uthole impendulo ngemizuzwana. Sisengeza okunye, ngakho buya maduze.
- Ithuluzi elihlobeneIsibali-mali Sezinga Lenzalo Elisebenzayo (EIR/APR)Guqula phakathi kwamazinga aqondile nesabalalisayo bese uveza izinga lamaphesenti lonyaka langempela lanoma iyiphi imali-mboleko.
- Ithuluzi elihlobeneIsenzi Sohlelo LokukhokhaYenza ukuhlukaniswa kwesikhathi nesikhathi kwesamba esiyinhloko nenzalo, bese ukuthumela ku-PDF noma i-CSV.