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Ukuqalisa imali-mboleko

Isofthiwe yokuqalisa imali-mboleko exhasa abakweleti abahle ngaphambi kokuba bahambe

Kumebolekisi olahlekelwa abafaki-zicelo ngenxa yamaphepha ahamba kancane asakazekile — ibomba elilodwa kusukela esicelweni kuya ekukhishweni, izimvume ezivumelanayo, nesivumelwano semali-mboleko sibhalelwe wena.

Isikhathi lapho izinto ziya kabi khona

Umboleki ufaka isicelo ngoMsombuluko. Ifomu lihlala ku-WhatsApp womuntu, bese lifakwa kabusha kuspredishithi, bese lilinda isikhulu esisodwa esaziyo imithetho. Ngesikhathi usulungele ukugunyaza ngoLwesine, useyithathe imali kumebolekisi oseduze othe yebo ntambama yona leyo — futhi awuzange neze uthole ukuthi kungani idili lipholile.

Lapho kuphuka khona

Lapho uyebo oluhamba kancane lulahlekelwa umboleki

Awulahlekelwa abakweleti ngomzuzu owodwa oshaqisayo. Ubalahlekela kumagebe — ifomu elihlalile, isinqumo esilindile, isivumelwano esithathe usuku ukusibhala — kuze kuthi umebolekisi osheshayo abawine kuqala.

1

Izicelo zifika yonke indawo — WhatsApp, amafomu ephepha, umngeni, ispredishithi.

Sonke isicelo siyangena kubomba olulodwa, kungakhathaliseki ukuthi safika kanjani. Ubona ulayini wonke ebhodini elilodwa futhi wazi ngqo okukulindele — akukho okufihliwe kwingxoxo noma kudrowa.

2

Izikhulu ezimbili zibuka umboleki ofanayo zifinyelele izimpendulo ezimbili ezahlukene.

Imithetho yakho yokweboleka yakhelwe esinqumeni, ukuze izimvume ziphume zivumelana noma ngubani odeskini. Ubungozi obufanayo buthola impendulo efanayo, futhi sonke isinqumo siyarekhodwa kwisicelo.

3

Ngesikhathi usuthi yebo, umboleki usethathe imali-mboleko endaweni esheshayo.

Izicelo zisonga zidlula ekubuyekezweni, ekugunyazeni nasekukhishweni ngaphandle kokuhlala kwibhokisi lokungenayo lomuntu. Unquma ngamahora, hhayi izinsuku — futhi umboleki uthola imali yakhe ngaphambi kokuyofuna kwenye indawo.

4

Imininingwane efanayo yomboleki ifakwa kabusha kathathu, futhi amaphutha angena.

Thwebula umboleki kanye futhi idatha igeleza iqonde ngqo esivumelwaneni nakwimali-mboleko ephilayo. Akukho kufaka kabusha, akukho maphutha okukopisha athwalwa esivumelwaneni ongeke usichithe kalula.

5

Sonke isivumelwano semali-mboleko sibhalwa ngesandla, kancane, futhi asifani neze ncamashi.

Izivumelwano zemali-mboleko ziyazenza kusukela kwithempulethi yakho ngomzuzu imali-mboleko igunyazwa — izinombolo ezilungile, imigomo elungile, njalo — zilungele ukusayina esikhundleni sokubhalwa kabusha kosedlule.

Ibomba elilodwa, kusukela esicelweni kuya enkokhelweni

Buka imali-mboleko isuka esicelweni iye ekukhishweni

Ngosuku olufanayo

kusukela ekufakeni isicelo kuya ekukhipheni

Isicelo
Endaweni eyodwa
100%
Iyabuyekezwa
Ihlolwe ngemithetho yakho
74%
Igunyaziwe
Isivumelwano senziwe
58%
Ikhishiwe
Inkokhelo yosuku olufanayo
55%

Ifaneli eyisibonelo — ukuguqulwa kwakho nesikhathi sakho sangempela kuyalandelelwa bukhoma njengoba izicelo zingena.

Ukuthi kusebenza kanjani

Indlela i-Lendbox eyenza ngokuzenzakalelayo ukuqalisa imali-mboleko

Isofthiwe yokuqalisa imali-mboleko isusa imali-mboleko kusukela esicelweni kuya ekukhishweni kubomba olulodwa — ukuthwebula umboleki, ukusihlola ngemithetho yakho, ukwenza isivumelwano nokuxhasa imali-mboleko. Akuwona uhlu lwezici — yizinto ezine ezithatha isicelo kusukela noma kuphi esavela khona kuye emalini esandleni somboleki, ngaphandle kokuthi umuntu abhale kabusha lutho.

Ibomba elilodwa lezicelo

Sonke isicelo semali-mboleko — ku-inthanethi, egatsheni noma sifakwe isikhulu — sehlela kubhodi olulodwa futhi sidlula ezigabeni zakho: esisha, siyabuyekezwa, sigunyaziwe, sikhishiwe. Uhlala wazi okulindile, kubani, nesikhathi esingakanani.

  • Umngeni owodwa wezicelo ze-inthanethi, zegatsha nezifakwe isikhulu
  • Hudula izicelo zidlule ezigabeni zakho zokubuyekeza
  • Bona ngalinye lihlale isikhathi esingakanani nokuthi ngubani olimilikile
  • Thwebula i-KYC yomboleki namadokhumenti kwisicelo

Ukunika amaphuzu nemithetho yesinqumo

Bhala indlela oboleka ngayo ngempela — imikhawulo, amaratiyo, amadokhumenti adingekayo — ukuze sonke isicelo sihlolwe ngokumelene nesilinganiso esifanayo futhi izimvume ziyeke ukuncika kothi ngenhlanhla azibuyekeze.

  • Izimvume ezivumelanayo ngezimiso zakho
  • Maka izicelo ezimbalwa noma eziyingozi ngokuzenzakalelayo
  • Sonke isinqumo sirekhodwe nokuthi ngubani nokuthi kungani

Izivumelwano zemali-mboleko ezenziwe ngezifiso

Inkontileka iyazibhala kusukela kwithempulethi yakho ngomzuzu imali-mboleko igunyazwa — imininingwane yomboleki, inani, izinga neshejuli kugcwalisiwe, kulungele ukuthunyelwa ukuze kusayinwe.

  • Amathempulethi akho esivumelwano, agcwaliswe ngokuzenzakalelayo
  • Izinombolo nemigomo elungile kudonswe esicelweni
  • Kwenziwe ngokugunyazwa — akukho kubhala kabusha kosedlule

Kusukela ekugunyazeni kuya ekukhishweni

Isicelo esigunyaziwe siba imali-mboleko ephilayo ngesinyathelo esisodwa — ishejuli ibekiwe, ibhalansi iphilile, futhi inkokhelo ilungele ukuhamba ngaphandle kokufaka kabusha lutho.

  • Isicelo esigunyaziwe siphenduka ngqo imali-mboleko esebenzayo
  • Ishejuli yokukhokha yenziwe ngokuzenzakalelayo
  • Khipha emalini yomboleki ngaphandle kokufaka kabusha imininingwane

Ubufakazi

Uma unikeza imali, ufuna into ekusiza ukulandelela yonke into. Yangigcinela isikhathi, futhi inikeza amakhasimende ukuzethemba.
John Mulevu, uMnikazi, Joshe Money Lending·Joshe Money Lending · Umebolekisi omncane, Zambia
Funda isifundo sesibonelo esiphelele se-Joshe Money Lending
Landelela
yonke imali-mboleko oyinikezayo
Yagcina
isikhathi kuyo yonke imali-mboleko
Okukhulu
ukuzethemba kwekhasimende

Imibuzo abebolekisi abayibuza ngokuqalisa

Iyini isofthiwe yokuqalisa imali-mboleko?
Isofthiwe yokuqalisa imali-mboleko iyithuluzi elithatha imali-mboleko kusukela esicelweni kuya ekukhishweni kubomba olulodwa — ukuthwebula umboleki kanye, ukuhlola isicelo ngemithetho yakho yokugunyaza, ukwenza isivumelwano semali-mboleko ngokugunyazwa, nokusiphendula sibe imali-mboleko ephilayo elungele ukuxhaswa. I-Lendbox iqhuba ukugeleza konke ukuze unqume ngamahora futhi ukhokhe ngosuku olufanayo.
I-Lendbox isheshisa kanjani ukuqalisa imali-mboleko?
I-Lendbox idonsa sonke isicelo kubomba olulodwa futhi isithwala sidlule ekubuyekezweni, ekugunyazeni, esivumelwaneni nasekukhishweni ngaphandle kokuthi umuntu abhale kabusha imininingwane noma ajahe ifomu phakathi kwamabhokisi okungenayo. Ngenxa yokuthi idatha yomboleki ithwetshulwa kanye nemithetho yakho yesinqumo yakhelwe, isicelo singahamba kusukela esicelweni siye emali-mbolekweni exhasiwe ngosuku olufanayo esikhundleni sokuhlala kulayini iviki.
Ingabe abakweleti bangafaka isicelo ku-inthanethi, noma sifaka izicelo thina ngokwethu?
I-Lendbox isekela kokubili. Abakweleti bangathumela ku-inthanethi futhi izikhulu zingafaka izicelo zomngeni noma zocingo ngqo — noma kunjalo zehlela kubomba olufanayo. Awuhlanganisi ifomu lewebhu nenqubo yephepha; kungumngeni owodwa nombono owodwa wakho konke okulindele isinqumo.
Ingabe singabeka izimiso zethu zokugunyaza?
Yebo. I-Lendbox ikuvumela ukubhala imithetho oseboleka ngayo — amanani aphezulu, amaratiyo eholo noma okukwazi ukukhokha, amadokhumenti adingekayo — futhi sonke isicelo silinganiswa ngakho, ukuze izimvume ziphume zivumelana kungakhathaliseki ukuthi yisiphi isikhulu esizibuyekezayo. Sonke isinqumo sirekhodwe kwisicelo nokuthi ngubani osigunyazile nokuthi kungani.
Ingabe yenza isivumelwano semali-mboleko ngokuzenzakalelayo?
I-Lendbox yenza isivumelwano semali-mboleko ngokuzenzakalelayo. Lapho imali-mboleko igunyazwa, igcwalisa ithempulethi yakho yesivumelwano ngemininingwane yomboleki, inani, izinga neshejuli yokukhokha, ukuze inkontileka ilungele ukusayinwa esikhundleni sokubhalwa ngesandla. Izinombolo zidonswa ngqo esicelweni, ukuze isivumelwano sihambelane nemali-mboleko ncamashi.
Kwenzekani lapho isicelo sesiguny aziwe?
I-Lendbox iphendula isicelo esigunyaziwe sibe imali-mboleko ephilayo ngesinyathelo esisodwa — ishejuli yokukhokha yenziwe, ibhalansi esekweletwa iphilile, futhi inkokhelo ilungele ukukhishwa ngaphandle kokufaka kabusha lutho. Kusukela kuleyo phuzu imali-mboleko ilandelelwa, ikhokhelwe futhi ibikwe ngaphakathi kwi-Lendbox njenganoma iyiphi enye.
Ingabe kufanele sihambise abakweleti bethu abakhona ukuze siqale?
Cha. I-Lendbox ikuvumela ukuqala ukuqalisa imali-mboleko emisha kubomba ngokushesha nokuletha abakweleti abakhona njengoba uqhubeka. Iningi labebolekisi liqala ngokuqondisa izicelo ezintsha kubomba lwe-Lendbox bese libona umehluko wesikhathi sokukamela kwezokuqala kakhulu.

Yeka ukulahlekelwa abakweleti ngoyebo oluhamba kancane

Qala ukulinga kwamahhala kwe-Lendbox bese udlulisa izicelo zakho ezilandelayo kubomba olulodwa — faka isicelo, gunyaza futhi ukhokhe ngosuku olufanayo.

Akudingeki ikhadi.