Ithuluzi lamahhala lokubolekisa
Isibali-mali sezinhlawulo nezimali zokukhokha emva kwesikhathi
Kukhona isikweletu esingakhokhwanga. Lokhu kubala lokho umbolekiwe akukweletayo ngaphezu kwaso ngokwemithetho yakho — ukuthi isikhathi somusa sihlala isikhathi esingakanani, ukuthi inhlawulo ibalwa phezu kwani, nokuthi iphindaphindeka kangaki — futhi kubonisa yonke inhlawulo eyodwa eyakha isamba.
Isikweletu esidlulelwe yisikhathi
Isetshenziswa kuphela lapho inhlawulo ibalwa kuyo yonke ibhalansi kunokuba ibalwe esikweletwini esiphuthelwe.
Usuku umbolekiwe akhokha ngalo, noma namuhla uma isikweletu sisavuliwe.
Izinsuku emva kosuku lokukhokha ngaphambi kokuba kukhokhiswe noma yiyiphi inhlawulo. Inkokhelo eyenziwa ngosuku lokugcina lomusa ayibizi lutho olwengeziwe.
Imithetho yenhlawulo
Ukubala kuyo yonke ibhalansi esasele kunokuba kubalwe esikweletwini esiphuthelwe kukhipha inhlawulo enkulu kakhulu, futhi kunemikhawulo noma kuvinjelwe ezimakethe eziningana.
Izinhlawulo eziphindaphindwayo zikhokhiswa ngesikhathi ngasinye noma ingxenye yaso — inhlawulo iyafika ngesikhathi isikhathi siqala, hhayi lapho siphela.
Akuphoqelekile: umkhawulo obonakala njengephesenti lenani inhlawulo ebalwa kulo. Shiya ku-0 uma ungafuni mkhawulo.
Inhlawulo ekweletwayo
R 179.20
Ngonyaka, lokho kungu- 31.06%
Inhlawulo ibonakaliswa njengezinga lonyaka enanini ebalwa kulo, ukuze ifundeke eceleni kwezinga lenzalo.
- Izinsuku zokwephuza
- 47
- Inhlawulo iqala
- Jun 11, 2026
- Izinsuku ezikhokhiswayo
- 37
- Izinhlawulo ezisetshenzisiwe
- 2
- Ibalwa phezu kwe-
- R 4,480.00
- Isikweletu esidlulelwe yisikhathi
- R 4,480.00
- Isamba senhlawulo
- R 179.20
- Isamba sokuqeda isikweletu
- R 4,659.20
Okumele kukhokhwe
- Isikweletu
- Inhlawulo
Isilinganiso sokuhlela nesokuchazela umbolekiwe inani. Isivumelwano sakho semali-mboleko, imithetho yendawo yakho mayelana nenzalo yenhlawulo, kanye nezindlela zakho zokubala kuyikho okunquma ukuthi yikuphi okungasetshenziswa ngempela.
Yonke inhlawulo, ngayinye
Umugqa ngamunye uyinhlawulo eyodwa: usuku efika ngalo, inani ebalwe kulo, nesamba esihamba nayo ngemuva.
Ivuleka ku-Excel, ku-Sheets noma kunoma yisiphi isipredishithi.
| # | Usuku lwenhlawulo | Izinsuku zokwephuza | Ibalwa phezu kwe- | Inhlawulo | Isamba esihambayo |
|---|---|---|---|---|---|
| 1 | Jun 11, 2026 | 10 | R 4,480.00 | R 89.60 | R 89.60 |
| 2 | Jul 11, 2026 | 40 | R 4,480.00 | R 89.60 | R 179.20 |
| Isamba | R 179.20 |
Izilungiselelo ezine zinquma lonke inani
Izingxabano ngezimali zokukhokha emva kwesikhathi cishe zihlale zidalwa ukuthi enye yalezi ifundwa ngendlela ehlukile ngumbolekisi nangumbolekiwe. Zibhale zone esivumelwaneni.
- 1
Ukuthi iwashi liqala nini
Isikhathi somusa yigebe eliphakathi kosuku lokukhokha nenhlawulo yokuqala. Izinsuku eziyishumi zomusa enkokhelweni ephuze izinsuku eziyishumi kusho ukuthi ayikho inhlawulo — ifika ngosuku lweshumi nanye. Ukungasichazi yisona sizathu esivame kunazo zonke sokuba imali yokukhokha emva kwesikhathi ibuyiselwe.
- 2
Ukuthi inhlawulo ilinganiswa ngani
Amaphesenti amabili esikweletu esiphuthelwe namaphesenti amabili ebhalansi yemali-mboleko esasele angamanani ahluke kakhulu emali-mbolekweni efanayo. Ukubala kuyo yonke ibhalansi kunemikhawulo noma kuvinjelwe ezimakethe eziningana, futhi kufanele kuhlolwe ngaphambi kokuba kubhalwe emkhiqizweni.
- 3
Ukuthi iphindaphindeka kangaki
Inhlawulo yakanye imiswa ngosuku ekhokhiswa ngalo. Ephindaphindwayo iyaqhubeka ikhula kuze kukhokhwe isikweletu, futhi yilokho okuguqula imali encane yokukhokha emva kwesikhathi ibe yisikweletu ngokwaso. Ku-akhawunti esidlulelwe yisikhathi eside, izinhlawulo zansuku zonke zingedlula isikweletu ezidalwe yiso.
- 4
Ukuthi ukhona yini umkhawulo
Umkhawulo umisa isamba engxenyeni ethile yesikweletu, noma ngabe i-akhawunti ihlala ivuliwe isikhathi esingakanani. Abalawuli abaningana bayawubeka, futhi ngaphandle kwawo inhlawulo yansuku zonke ekhohlakele igcina ikhiqiza inani elingaqoqeki futhi elingavikeleki.
Okwenziwa umjikelezo ngamunye esambeni
Izinga elifanayo, isikweletu esifanayo, izinsuku ezingu-47 ezifanayo zokwephuza — umjikelezo kuphela oshintshayo. Izinhlawulo zikhokhiswa ngesikhathi ngasinye noma ingxenye yaso, ngakho zifika ngesikhathi isikhathi siqala.
| Ikhokhiswa | Okushiwo yilokho | 2% esikweletwini esingu-4,480, izinsuku ezingu-37 ezikhokhiswayo |
|---|---|---|
| Kanye kuphela | Inhlawulo eyodwa ngosuku isikhathi somusa esiphela ngalo. Inani limiswa kusukela lapho, noma ngabe isikweletu sihlala isikhathi esingakanani. | Inhlawulo 1 — 89.60 |
| Nsuku zonke | Inzalo yenhlawulo ngelinye igama. Inqwabelana ngaphandle komkhawulo, ngakho ivamise ukuhamba nomkhawulo noma nosuku olungagudluki lokuqoqa. | Izinhlawulo 37 — 3,315.20 |
| Njalo ngesonto | Indlela ephakathi: ingcindezi iyakhula isonto nesonto, kodwa isamba sihlala siqondakala kumbolekiwe. | Izinhlawulo 6 — 537.60 |
| Njalo ngenyanga | Ukukhetha okuvamile ezikweletwini zanyanga zonke, futhi kulula kunakho konke ukukuhlanganisa nesitatimende, ngoba kunyakaza kanye kuphela emjikelezweni. | Izinhlawulo 2 — 179.20 |
Onke lawo masamba avela ezingeni elifanayo esikweletwini esifanayo. Umjikelezo akuwona umnyombo omncane — yiwona ingxenye enkulu yempendulo.
Isenzi Sohlelo LokukhokhaImibuzo mayelana nezinhlawulo nezimali zokukhokha emva kwesikhathi
- Thatha inani inhlawulo ebalwa kulo — imvamisa isikweletu esidlulelwe yisikhathi, kwesinye isikhathi imali eyinhloko yaso kuphela — bese usebenzisa izinga elivunyelwene ngalo noma inani elingaguquki. Bese uyakuphinda kuwo wonke umjikelezo lapho i-akhawunti isahlala idlulelwe yisikhathi emva kokuphela kwesikhathi somusa. Isamba yizinga liphindaphindwe ngenani lezinhlawulo ezikhokhisiwe, yingakho ku-akhawunti esidlulelwe yisikhathi eside umjikelezo ubaluleke kunezinga.
- Yinani elimisiwe lezinsuku emva kosuku lokukhokha lapho kungakhokhiswa nhlawulo. Akukho okuphoqa umbolekisi ukuba asinikeze ngaphandle uma imithetho yendawo noma isivumelwano semali-mboleko kusho njalo, kodwa iningi liyakwenza: izinhlelo zokukhokha zicubungula ngesivinini esehlukene, futhi izinsuku ezimbalwa zokubekezela zigwema ukujezisa umbolekiwe ngenxa yesikhathi sebhange. Noma ngabe ukhetha ini, kumele kubhalwe esivumelwaneni ukuze kusebenze.
- Iphesenti lihlala lilingana kuwo wonke uhlu lwezimali-mboleko — umthetho ofanayo ulungile emali-mbolekweni engu-500 nakweyi-500,000. Inani elingaguquki lilula kumbolekiwe ukuliqonda futhi lilula ukuliqoqa, kodwa liyajezisa kumabhalansi amancane futhi lingabalulekile kwamakhulu. Ababolekisi abanezimali-mboleko ezihluka kakhulu ngobukhulu bavame ukusebenzisa iphesenti; labo abanebanga elincane bavame ukukhetha imali engaguquki.
- Ngokobuchwepheshe yebo, futhi ezinye izivumelwano ziyakwenza. Ikhipha inani elikhulu kakhulu kunokubala esikweletwini esiphuthelwe kuphela, futhi izindawo eziningana zomthetho ziyakunciphisa noma ziyakuvimba, kanye nokubeka umkhawulo esambeni sezinhlawulo njengengxenye yesikweletu sokuqala. Xhumana nomlawuli wakho ngaphambi kokukumisa ngale ndlela.
- Libonakalisa inhlawulo njengezinga lonyaka enanini ebalwe kulo, ukuze iqhathaniswe nezinga lenzalo. Inhlawulo yamaphesenti amabili ehlala ku-akhawunti izinsuku ezingu-47 icishe ibe ngu-15.5% ngonyaka; lawo maphesenti amabili afanayo uma ekhokhiswa nyanga zonke aphakeme kakhulu. Yiyona ndlela esheshayo yokubona ukuthi imali yokukhokha emva kwesikhathi iyisikhumbuzo noma isikweletu sesibili.
- Ngoba inhlawulo ephindaphindwayo ayinaso isiphetho semvelo. Emjikelezweni wansuku zonke, inhlawulo ingedlula isikweletu esiyidalile ezinyangeni ezimbalwa, ekugcineni yedlule nemali-mboleko uqobo. Abalawuli abaningi babeka umkhawulo ngenxa yaleso sizathu — imvamisa uvezwe njengephesenti lesikweletu esisele — futhi umkhawulo emithethweni yakho yomkhiqizo uvimbela i-akhawunti ekhohlakele ukuba ikhiqize inani okungekho ozolubutha.
- Empeleni ziyindlela efanayo emazingeni ahlukene okuphindaphindwa. Inzalo yenhlawulo imvamisa iyizinga elinqwabelana nsuku zonke enanini elidlulelwe yisikhathi; imali yokukhokha emva kwesikhathi imvamisa iyinhlawulo yakanye noma yanyanga zonke. Misa lesi sibali-mali emjikelezweni wansuku zonke bese ulingisa inzalo yenhlawulo; usimise ekukhokhisweni kanye bese ulingisa imali yokukhokha emva kwesikhathi.
- Yebo. Imali engenayo evela ezinhlawulweni akuyona imali engenayo yenzalo, futhi ukuzixuba kuphazamisa inzuzo yakho ohlwini lwezimali-mboleko futhi, ezinhlelweni eziningi, kubikwa ngokungalungile. Kufanele kufakwe ku-akhawunti yayo yemali engenayo, okuyindlela i-Lendbox ekwenza ngayo lapho inhlawulo ikhokhiswa emali-mbolekweni.
- Cha. Konke ukubala kwenzeka esiphequluli sakho, futhi amafayela athunyelwa ngaphandle enziwa kudivayisi yakho. Akukho okubhalayo okuthunyelwa kuseva, okugcinwayo, noma okuqoshwayo, futhi akukho kubhalisa.
Ibalwa kanjani inhlawulo yokukhokha emva kwesikhathi?
Siyini isikhathi somusa, futhi ingabe kufanele sinikezwe?
Ingabe inhlawulo kufanele ibe yiphesenti noma inani elingaguquki?
Ingabe inhlawulo ingabalwa kuyo yonke ibhalansi esasele?
Lisho ukuthini inani lonyaka?
Kungani inhlawulo kufanele ibekelwe umkhawulo?
Ingabe inzalo yenhlawulo iyafana nemali yokukhokha emva kwesikhathi?
Ingabe izinhlawulo kumele zibhalwe ngokwehlukene ezincwadini?
Ingabe idatha yami iyagcinwa?
Yeka ukubala izikweletu ngesandla
I-Lendbox isebenzisa imithetho yakho yenhlawulo ngokuzenzakalela ngosuku isikweletu esidlulelwa ngalo yisikhathi — isikhathi somusa, isisekelo, umjikelezo nomkhawulo — ifake inhlawulo ku-akhawunti yayo yemali engenayo, futhi ibonise abaqoqi kanye ncamashí lokho okukweletwa yiwo wonke umbolekiwe namuhla.
Ayidingeki ikhadi lesikweletu.
Qhubeka uhlola
- Onke amathuluzi amahhalaAmathuluzi amahhala kwabamali-mbolekoKhetha ithuluzi uthole impendulo ngemizuzwana. Sisengeza okunye, ngakho buya maduze.
- Ithuluzi elihlobeneIsenzi Sohlelo LokukhokhaYenza ukuhlukaniswa kwesikhathi nesikhathi kwesamba esiyinhloko nenzalo, bese ukuthumela ku-PDF noma i-CSV.
- Ithuluzi elihlobeneIsibali-mali Sezinga Lenzalo Elisebenzayo (EIR/APR)Guqula phakathi kwamazinga aqondile nesabalalisayo bese uveza izinga lamaphesenti lonyaka langempela lanoma iyiphi imali-mboleko.