Ukuze uthole ukuvunyelwa kwezimali ku-Capfin, udinga ukuqonda izinqubo ezihilelekile. Ukuqalisa, umuntu kufanele abe neminyaka engu-18 noma ngaphezulu, abe ne-ID yaseNingizimu Afrika, futhi ahlinzeke ngamadokhumenti afana nama-payslip amathathu amuva noma izitatimende zasebhange ezintathu. Lokhu kubalulekile ngoba kuqinisekisa ukuthi umuntu uziswa ngemali abolekayo ngamazinga anembile kuwo wonke umuntu.
Umuntu angathola ukuthi isicelo somuntu semali e-Capfin sivunyiwe ngezindlela ezimbili. Bangaqhuba ngokubiza ku-087 354 0000 ukuze bathole isimo sakamuva sesicelo. Lokhu kuqinisekisa ukuthi abakweletwayo bayakwazi ukuthola imininingwane ebalulekile kalula.
Iwebhusayithi ye-Capfin nayo iye yenza lula ukuthola abanye abagijimi abathweswe iziqu emalini. Iwebhusayithi yabo inikeza imininingwane ewusizo mayelana nokuqinisekiswa kwezimali kanye nezindlela zokuxhumana nazo. Lokhu kunikeza abazoba abakweletwayo ithuba elihle lokuzilungiselela kahle ngaphambi kokufaka isicelo esijulile.
Izimo Zokufaneleka Kokuthola Imali
Ukuze ufaneleke ukuthola imali ebolekiwe ye-Capfin, umuntu kufanele aqonisise ngezimo ezithile. Lokhu kubandakanya amandla okukhokha, irekhodi lesikweletu, nezidingo ezihlukile zomuntu ngamunye.
Ukuhlola Ukuthi Ungakwazi Ukubuyisa
Njengoba kubalulekile ukuhlola ukuthi umuntu angabuyisa kalula yini imali ebolekiwe, abalokotho kufanele babheke ukwaziswa ngokwanele ngemali engenayo. Lokhu kuhlanganisa ukuhlola imali engenayo yenyanga yonke kanye nezinye izindleko ezikhona.
Ukuthi umuntu uyakwazi ukuyikhokha imali ebolekiwe kubuyekeziwe ngenzuzo yakhe ephelele nezinye izibopho zezezimali. Ngaphambi kokuba inqubo yokuvunywa kokuqalwa, abanikazi bemalimboleko bavame ukucela imibhalo eqinisekisa imali engenayo.
Amarekhodi Wesikweletu
Irekhodi lesikweletu liyingxenye ebalulekile ekutholeni inzalo enenzuzo. Irekhodi elihle lesikweletu lenza kube lula ukuthi umuntu athole inzalo ephansi kanye nezimo ezikahle zemalimboleko. Lokhu kungabandakanya lokho imininingwane efakiwe ku-National Credit Regulator.
Ukusebenza kahle ekusebenzeni kwezinkokhelo ezedlule kuzobonakalisa ukuthi umuntu uyayikhokha yini imali abolekile ngesikhathi esikahle. Amabhodi wesikweletu abheka ezikhathini ezedlule ukuthenga noma ukuba nezinkinga zokukhokha.
Izicelo Zomuntu Ngamunye
Izicelo zomuntu ngamunye zivivinywa ngokuvumelana nezidingo zabo. Lokhu kuhlanganisa isimo sezomnotho somuntu siqu kanye nalokho akudingayo embolekweni. Abathengisi bezikweletu bajwayele ukuhlola izicelo ngokusekelwe kuzidingo ezithile ezingafani nobukhulu bemalimboleko efunwayo, izinga lenzalo, kanye nezimpilo ezikhethiwe.
Kube lula nabolekiloyo ukuthi athumele izicelo nangezinsiza ezinjenge-SMS noma izakhiwo eziguquguqukayo ezitholakala kuzo zonke izindawo. Lokhu kuqinisekisa ukuthi izimo zomuntu ngamunye ziyahlangabezana nezimo ezifanayo.
Inqubo Yokusebenza Yesicelo Sesikweletu
Uma ufuna ukuhola ngendlela yokusebenza yesicelo sesikweletu, kubalulekile ukuqonda ukuthi ukugcwalisa ifomu lesicelo uphinde ugunyazwe kokubolekwa kwemali zinqubo ezibalulekile. Lokhu kuzokwenza kube lula ukuthola isikweletu esivela kuCapfin.
Ukugcwalisa Ifomu Lokufaka Isicelo
Ifomu lokufaka isicelo lesikweletu eCapfin lingagcwaliswa ngezindlela ezahlukene, okuhlanganisa ukusebenzisa i-Money App, ukuvakashela izitolo ze-PEP, noma ukuqala inqubo ku-intanethi. Abafuna ukuvuleka kwendlela yesicelo kufanele bahlinzeke ngemininingwane efanele, efana nemininingwane yokuxhumana kanye nedethi yemali engenayo. Kubalulekile ukuthi yonke imininingwane ebekiwe ibe yilena kufanele.
Ngemva kokuhlinzeka ngemininingwane edingekayo, uCapfin uzokunika impendulo ngokushesha ngokuqinisekisa kwesicelo sakho. Lokhu kufaka phakathi ukuhlola ikhono lakho lokukhokha. Kwesinye isikhathi, abanye abantu bavakashela izitolo ze-PEP ukuze banikeze izidingo ezizimele nezithombeni.
Ukugunyazwa Kokubolekwa Kwemali
Uma isicelo siqinisekisiwe, inqubo yokugunyazwa kokubolekwa kwemali iqale. Kubalulekile ukuthi umgqugquzeli wasesikweletu ahambe ngenqubo yokukhetha imali ababoleka ngayo kanye nokufuza indlela yokukhokha efanele. Capfin inikeza izikweletu ezihambisana nezidingo zezikweletu ezincane nezikhulu.
Ngemuva kokuthi konke kubekwe ngokucacile, imininingwane yebhange iyadingeka ukuze kuqinisekiswe ukuba semthethweni. Ukugunyazwa kwesicelo kungaphinda kuphunyezwe ngokushesha uma yonke imininingwane ifakiwe efomatheni efanele ekulindelekile. Izicelo ezivumelekile ziholela ekuthumeleni imali ngebhange lakho engakaphelis 48 amahora, okuqinisekisa ukusho okufanele ekuvumeleni.
Abaqondisi Bombolekisi Wezimali Nezitolo
Lokhu kuhlola inikezela ngemininingwane ebalulekile kubathengi abangase bathathe izinqumo zokuthola imali mboleko. Kubalulekile ukuqonda ukuthi izinkampani zifaka kanjani izinsizakalo zabo zamabhange nezitolo ukuhlinzeka ngezinketho ezihlukahlukene kubathengi.
Izinkampani Engaphansi Kwazo
Izinkampani ezinjenge Nedbank nabanye babahlinzeki bemalimboleko zidlala indima ebalulekile ekuletheni izinsizakalo ezinzulu ezinokuthandwa ngabathengi. I African Bank nayo ithatha isikhundla sayo ngeyokuletha izinketho ezibanzi zamasevisi wabathengi ngamunye. Ngenkathi izitolo ezinjenge Steinhoff no Pepkor zigxile kwezezimali zempahla yasendlini, zivumela ukuthengwa kwamakhaya ngendlela ephansi.
Ukuhlelwa kwezimali nabahlinzeki bebhange yilokho okwenzela abathengi amathuba afanele okuthenga izimpahla ngenkathi bephatha kahle izindleko. I-ABSA, njengomdlali omkhulu embonini yezezimali, ihlinzeka ngalezi zinkonzo nezinketho zokukhokha okuyingxenye kanye nezinsiza eziphephile zabathengi abaningi.