Ithuluzi lamahhala lokubolekisa
Isiguquli samazinga enzalo
Amaphesenti amabili ngenyanga awasiwo amaphesenti angamashumi amabili nane ngonyaka — angu-26.82%. Leli thuluzi liguqula izinga phakathi kwazo zonke izindlela elingashiwo ngazo: ngesikhathi ngasinye noma ngonyaka, elivamile noma elisebenzayo, eliqondile noma ibhalansi encipha, ngaphambi noma ngemva kokukhuphuka kwamanani. Ukuguqula kokuqala akudingi mininingwane yamali-mboleko.
Izinga onalo
Izinga lonyaka elimemezelwe aliyilutho ngaphandle kwezinga lesikhathi liphindwe. Izinga elisebenzayo lona selivele linokwandiswa ngaphakathi, yingakho la mabili ehlukene.
Ukuthi inzalo yengezwa kangaki ebhalansini. Yilesi silungiselelo esinquma yonke impendulo.
Kuthinta kuphela amazinga osuku. Izinga losuku alisho lutho kuze kushiwo ukuthi lihlukaniswe ngonyaka onezinsuku ezingaki, futhi ukubolekisa kwezohwebo kuvamise ukuhlukanisa ngo-360.
Ngemali, uma kusiza
Akuphoqelekile. Kubala unyaka owodwa kule bhalansi ngamazinga womabili, ukuze umehluko phakathi kwawo ungabi yinto engabambeki.
Izinga lonyaka elisebenzayo
26.82%
Izinga lonyaka elivamile 24.00%
Ukwandiswa kwengeza u-2.82% ngonyaka ngaphezu kwezinga elimemezelwe.
- Okulingana nakho ngosuku
- 0.0651%
- Elivamile ngonyaka
- 24.00%
- Landiswa ngokungaphezi
- 23.76%
- Elisebenzayo ngonyaka
- 26.82%
Unyaka owodwa kule bhalansi
- Ngezinga elivamile
- R 2,400.00
- Ngezinga elisebenzayo
- R 2,682.42
- Okwengezwa ukwandiswa
- R 282.42
Isilinganiso sokubeka amanani nokuchaza izinga elimemezelwe. Isivumelwano sakho semali-mboleko, imithetho yendawo yokudalula, kanye nendlela yakho yokugoba amanani yikho okunquma okumele kumenyezelwe.
Izinga elifanayo, limenyezelwe ngezindlela eziyisishiyagalombili
Umugqa ngamunye ongezansi ubiza okufanayo ncamashi phakathi nonyaka. Okushintshayo kuphela ukuvama kokwandiswa — yingakho izinga elimemezelwe lingasho lutho ngaphandle uma wazi ukuvama okuhambisana nalo.
Ivuleka ku-Excel, ku-Sheets noma kunoma yisiphi isipredishithi.
| # | Landiswa | Izikhathi ngonyaka | Izinga ngesikhathi ngasinye | Elivamile ngonyaka |
|---|---|---|---|---|
| 1 | Usuku | 365 | 0.0651% | 23.77% |
| 2 | Isonto | 52 | 0.458% | 23.82% |
| 3 | Amasonto amabili | 26 | 0.9182% | 23.87% |
| 4 | Inyanga | 12 | 2.00% | 24.00% |
| 5 | Ikota | 4 | 6.1208% | 24.48% |
| 6 | Izinyanga eziyisithupha | 2 | 12.6162% | 25.23% |
| 7 | Unyaka | 1 | 26.8242% | 26.82% |
| 8 | Ngokungaphezi | — | — | 23.76% |
Kungani izinga elilodwa linobuso obungaka
Akukho lutho lapha oluyicebo lokubala. Inani ngalinye kulawa liphendula umbuzo ohlukile ngemali efanayo, futhi ukwethula impendulo yomunye sengathi iphendula omunye yilapho iningi lezingxabano ngamazinga liqala khona.
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Elivamile yilebula, elisebenzayo yizindleko
Izinga lonyaka elivamile yizinga lesikhathi liphindwe inani lezikhathi kuphela — u-2% ngenyanga ubhalwe ngokuthi ngu-24% ngonyaka. Alinaki ukuthi inyanga yesibili ikhokhisa inzalo enzalweni yeyokuqala. Izinga elisebenzayo liyayibuyisela, yingakho kuphela kwenani imali-mboleko ezimbili ezingaqhathaniswa ngalo ngokwethembeka.
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Ukuvama yiwo wonke umehluko
U-24% owandiswa kanye ngonyaka ungu-24%. Uma wandiswa njalo ngenyanga ungu-26.82%; njalo ngosuku ungu-27.11%. Izinga elimemezelwe alishintshi kodwa izindleko ziyashintsha. Noma yiliphi izinga elinikezwa ngaphandle kokuvama kokwandiswa kwalo aliphelele, futhi igebe liyakhula njengoba izinga likhuphuka.
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Uhlukanisa ngonyaka muphi
Izinga losuku yizinga lonyaka elihlukaniswe ngezinsuku zonyaka, futhi umbuzo wokuthi zingaki unezimpendulo ezingaphezu kweyodwa. Okwangempela/365 yiyona ndlela evamile kwezokubolekisa kubantu; ukubolekisa kwezohwebo nokwesikhashana kusebenzisa u-360 kaningi, okwenza usuku ngalunye lubize kancane. Akukho okungalungile phakathi kwazo, kodwa azishintshaniswa.
- 4
Izinga okungekho olimemezelayo
Ukubolekisa ngo-18% kuyilapho ukukhuphuka kwamanani kungu-6% akusiyo inzuzo engu-18%, futhi akusiwo no-12% — kungu-11.32%. Ubudlelwano obuqondile buyahlukanisa esikhundleni sokukhipha, futhi indlela emfushane iya ikude neqiniso njengoba ukukhuphuka kwamanani kwenyuka. Emalini engazinzile, yilona kuphela izinga elisho ukuthi ibhuku liyakhula yini ngempela.
Amazinga ayisishiyagalombili amenyezelwe, izindleko ezifanayo
Umbolekisi okhokhisa u-2% ngenyanga angashicilela noma yiliphi lamanani onyaka angezansi abe eseshoyo iqiniso. Womabili ayisishiyagalombili achaza izindleko ezifanayo zonyaka ezisebenzayo ezingu-26.82% — okushintshayo kuphela ukuthi inzalo yengezwa kangaki ebhalansini.
| Landiswa | Kusho ukuthini | Izinga lonyaka elivamile elimemezelwe |
|---|---|---|
| Nsuku zonke | Inzalo yengezwa nsuku zonke. Kuvamile kwi-overdraft, kwisikweletu esiphindaphindwayo nakwinzalo yokubambezeleka, futhi yikho ukuvama lapho indlela yokubala izinsuku iqala khona ukuba nomthelela. | 23.77% |
| Njalo ngesonto | Kuvamile ekubolekiseni kwesikhashana nakwezimali ezincane, lapho izinkokhelo zifika njalo ngesonto nenzalo yengezwa ngesigqi esifanayo. | 23.82% |
| Njalo emasontweni amabili | Kulandela iholo elikhokhwa njalo emasontweni amabili, yingakho kuvela ekubolekiseni okuncike eholweni nakwimali-mboleko ehoxiswa umqashi. | 23.87% |
| Njalo ngenyanga | Yikho okujwayelekile cishe yonke indawo, futhi kuyimbangela yokudideka leli khasi elikhona ngenxa yayo: u-24% lapha uyizindleko ezifanayo no-26.82% ongezansi. | 24.00% |
| Njalo ngekota | Kuvamile kwizimali zamabhizinisi nakwimali-mboleko enesikhathi ebuyekezwa njalo ngekota, lapho inzalo yandiswa kane ngonyaka. | 24.48% |
| Njalo ezinyangeni eziyisithupha | Yindlela yamabhondi nezimali zesikhathi eside. Inzalo yengezwa kabili, ngakho izinga lonyaka elimemezelwe kumele libe phezulu ukuze lifinyelele izindleko ezifanayo. | 25.23% |
| Njalo ngonyaka | Landiswa kanye kuphela, ngakho izinga elimemezelwe nelisebenzayo yinani elilodwa. Yiwo wodwa umugqa lapho isihloko sethembekile ngaphandle kwephuzu elingezansi. | 26.82% |
| Ngokungaphezi | Wumkhawulo wezibalo, osetshenziswa ezindleleni zokubeka amanani hhayi ezivumelwaneni zemali-mboleko. Yilona eliphansi kunawo wonke ayisishiyagalombili ngoba landiswa ngokungaphezi. | 23.76% |
Funda ikholomu kusukela phezulu kuye phansi: uma inzalo yengezwa kaningi, izinga lonyaka elimemezelwe lingaba phansi kakhulu ukuze lifike endaweni efanayo. Ukuqhathanisa ababolekisi ababili ngenani elivamile kuphela akuqhathanisi lutho.
Isibali-mali Sezinga Lenzalo Elisebenzayo (EIR/APR)Imibuzo mayelana nokuguqula amazinga enzalo
- Zimbili izimpendulo futhi zombili zilungile. Phinda ngeshumi nambili uthole izinga lonyaka elivamile: u-2% ngenyanga ungu-24% ngonyaka. Noma ulandise uthole izinga lonyaka elisebenzayo: u-1.02 ophindwe izikhathi eziyishumi nambili, kususwe okukodwa, ungu-26.82%. Elokuqala yilona ababolekisi abaningi abalishicilelayo; elesibili yilona okhokhwa ngobolekayo. Uma uqhathanisa okunikezwayo, sebenzisa elesibili.
- Njengesihloko kuphela. Izindleko zingu-26.82% ngonyaka, ngoba inyanga ngayinye ikhokhisa inzalo enzalweni esivele yengeziwe. Umehluko wamaphuzu angu-2.82 wukwandiswa, futhi ukhula nezinga — ngo-5% ngenyanga, u-60% ovamile empeleni ungu-79.59%.
- Izinga elivamile yizinga lesikhathi elelulwe unyaka wonke ukwandiswa kunganakwa. Izinga elisebenzayo yikho unyaka okubiza khona ngempela ukwandiswa kubaliwe. Ayalingana kuphela lapho inzalo yengezwa kanye ngonyaka ncamashi. Kunoma yikuphi okunye ukuvama, elisebenzayo yilona elikhulu kwamabili.
- Imvamisa cha, nakuba la magama esetshenziswa ngokukhululekile. Ezinhlelweni eziningi zokudalula, izinga lonyaka elimemezelwe yizinga elivamile — izinga lesikhathi liphindwe inani lezikhathi — kufakwe nezindleko eziphoqelekile. Izinga lonyaka elisebenzayo liyandisa esikhundleni sokuphinda futhi kaningi likhipha izindleko ngaphandle. Ababolekisi ababili bangamemezela inani elifanayo bese bekhokhisa amanani ahlukene, yingakho izinga elisebenzayo lifanele libalwe ngokwehlukene.
- Ngoba inzalo esivele yengeziwe iqala ukuzalela inzalo yona ngokwayo. Uma lokho kwenzeka kaningi, iba ningi. Ukusuka ekwandisweni kwaminyaka uye kokwenyanga ezingeni elimemezelwe elingu-24% kwengeza amaphuzu angu-2.82 ezindleko zangempela ngaphandle kokuba noma yisiphi isimo semali-mboleko sishintshe.
- Lokho isivumelwano sakho esikushoyo, futhi kumele sisho okukodwa. Okwangempela/365 yiyona ndlela evamile ekubolekiseni kubantu. Isikweletu sezohwebo, sokuxhaswa kohwebo nesesikhashana sisebenzisa u-360 kaningi, okwenza usuku ngalunye lubize cishe u-1.4% ngaphezu kwezinga elifanayo lonyaka elihlukaniswe ngo-365. Umehluko mncane ngosuku futhi ubalulekile ohlwini lonke lwemali-mboleko.
- Wumkhawulo wokwandisa kaningi ngokwengeziwe, futhi kuvela ekubekweni kwamanani kwezinketho nasezindleleni zokulinganisa ubungozi kunasezivumelwaneni zemali-mboleko. Kufakiwe lapha ngoba amanani ezemfundo nawezimali kaningi anikezwa ngale ndlela, futhi ukuwaguqula abe yinto ongabolekayo angayibona ngenye indlela kunzima.
- Yinzuzo esala ngemva kokukhuphuka kwamanani. Hlukanisa okukodwa kuhlanganiswe nezinga elivamile ngokukodwa kuhlanganiswe nokukhuphuka kwamanani bese ususa okukodwa — ngo-18% nokukhuphuka okungu-6% lokho kungu-11.32%, hhayi u-12% okuphakanyiswa ukukhipha nje. Lapho ukukhuphuka kwamanani kuphezulu noma kungazinzile, yilona kuphela inani elisho ukuthi ibhuku lemali-mboleko liyakhula yini ngempela ngenani.
- Cha. Konke ukubala kwenzeka esiphequluli sakho, futhi amafayela athunyelwa ngaphandle enziwa kudivayisi yakho. Akukho okubhalayo okuthunyelwa kuseva, okugcinwayo, noma okuqoshwayo, futhi akukho kubhalisa.
Ngiliguqula kanjani izinga lenzalo lenyanga libe ngelonyaka?
Ingabe u-2% ngenyanga uyafana no-24% ngonyaka?
Umehluko yini phakathi kwenzalo evamile neyesebenzayo?
Ingabe i-APR iyafana nezinga lonyaka elisebenzayo?
Kungani ukuvama kokwandiswa kushintsha izinga?
Ingabe izinga losuku kufanele lisebenzise unyaka wezinsuku ezingu-365 noma ezingu-360?
Ukwandiswa okungaphezi kusetshenziselwani?
Liyini izinga lenzalo elisele ngemva kokukhuphuka kwamanani?
Ingabe idatha yami iyagcinwa?
Memezela izinga elilodwa, ukhokhise lona kanye
I-Lendbox igcina izinga, ukuvama kokwandiswa nendlela yokubala izinsuku kumkhiqizo uqobo, bese ikusebenzisa kuyo yonke imali-mboleko ebhalwe ngaphansi kwawo — ukuze inani elisesivumelwaneni, elisohlwini lwezinkokhelo nelikhokhwa ngobolekayo kube yinani elilodwa.
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 elihlobeneIsiqhathanisi Sezinga Eliqondile Nebhalansi EnciphaBala imalimboleko efanayo ngezindlela zombili ngasikhathi sinye bese ubona ukuthi izinga eliqondile libiza malini ngempela, kanye nezinga elilinganayo lebhalansi encipha.