Kwezimali ezisekelweni zaseNingizimu Afrika, amabhange kanye nezinye izikhungo zezimali zinikela ngemalimboleko yomuntu siqu njengesixazululo sezidingo zezimali zabathengi.
Lemali mboleko ihloselwe ukuphatha izidingo ezahlukahlukene, kusukela kwizindleko ezingalindelekile kuya ekugcwaliseni amaphrojekthi akhethekile afana nokuvula amabhizinisi amancane, ukufunda ngaphezulu, noma ukulungisa ikhaya.

Abantu bavame ukukhetha imalimboleko yomuntu siqu ukuthola imali engenamibandela, evumela ukuthi isetshenziswe ngendlela abayifisayo.
Kunombolo yezindlela zokufaka isicelo semalimboleko, futhi abanye babahlinzeki banikeza inqubo yokufaka isicelo online ukuze kube lula kumakhasimende.
Ubukhulu bemali mboleko obunikwa amabhange nezinye izinhlangano eziboleka imali buyahluka, njengoba izimalimboleko zingasuka ku-R1,000 kuya ku-R350,000.
Ukusekelwa eNingizimu Afrika ngekhredithi kuhlale kubalulekile ekutholeni imalimboleko yomuntu siqu.
Isikolo sekhredithi sinquma ukuthi isicelo semalimboleko sizophumelela yini futhi siqinisekisa nemibandela yokubolekwa kwemali, kufaka phakathi izinga lenzalo.
Izikhathi zokukhokha zingahluka kusukela ezinyangeni ezingu-7 kuya kwezingama-72, kanti izinga lenzalo elibaliwe lingahlala liku-27,25% ngonyaka.
Okubalulekile wukuthi abantu kufanele bacwaningisise kahle izinketho zabo, baqhathanise izinhlinzeko ezivela kubabolekisi abahlukahlukene futhi bakhethe isivumelwano esihambisana kahle nezimo zabo zezimali.
Izinhlobo Zamalungelo
Ezimalimboleko zomuntu siqu eNingizimu Africa, zihlukaniswa zibe izigaba ezimbili eziyinhloko: izimali mboleko eziboshiwe nezimali mboleko ezingaboshiwe.
Lezi zinhlobo zinemibandela ehlukene nemigomo, futhi zinokusebenza okufanele kube nolwazi ngakho umboleki ngamunye.
Izimali Mboleko Eziboshiwe
Izimali mboleko eziboshiwe zifaka phakathi isiqiniseko esivela kumbolekisi noma isithakazelo sombolekisi, okubizwa nge-collateral.
Ukuze umuntu athole izimali mboleko eziboshiwe, kumele kube khona impahla efanelekayo ukufakwa njengesiqiniseko.
Uma umboleki engakwazi ukuhlangabezana nezibopho zemalimboleko, impahla ebesetshenzisiwe njengesiqiniseko ingathathwa yisikhungo semali ukubuyisa isikweletu.
Uhlobo Lwesiqiniseko | Incazelo |
---|---|
Izindlu | Uma umuntu esebenzisa ikhaya lakhe njengesiqiniseko. |
Izimoto | Izimoto zingabhaliswa njengesiqiniseko salo mboleko. |
Izimpahla | Ezinye izimpahla zomuntu siqu nazo zingasetshenziswa. |
Izimali Mboleko Ezingaboshiwe
Ngakolunye uhlangothi, izimali mboleko ezingaboshiwe azidingi collateral.
Zivumela umboleki ukuba athole imali mboleko ngaphandle kokunikeza impahla njengesiqiniseko.
Izimali mboleko ezingaboshiwe zivame ukuba nezilinganiso zenzalo eziphezulu uma ziqhathaniswa neziboshiwe ngenxa yengozi enkulu engabhekana nesikhungo esiyinzalo.
Izilungiselelo nemibandela yalezi mboleko nazo zingahluka kuye ngesikhungo semali nesimo somuntu siqu somboleki.
Izingozi Nenzuzo | Incazelo |
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Inzuzo: Ayikho i-Collateral | Akukho sicelo sesiqiniseko esiphathelene nempahla. |
Ingozi: Izindleko Eziphezulu | Inzalo ivame ukuba phezulu kunaleyo yezimali mboleko eziboshiwe. |
Inqubo Yokufaka Isicelo
Lapho umuntu efaka isicelo seloan eNingizimu Afrika, kubalulekile ukuthi alandele izinqubo ezithile kanye nokuthi ahambisane nemigomo yabahlinzeki bemali mboleko.
Le nqubo ihlanganisa ukulungiselela imibhalo efanele, ukugcwalisa ifomu lesicelo se-inthanethi nokuqinisekisa ukuthi isikweletu sakhe sihlolwa ngokufanele.
Imibhalo Edingekayo
- South African ID: Inombolo kamazisi waseNingizimu Afrika.
- Payslips: Amafomu amuva okukhokhelwa abonisa umholo wanyanga zonke.
- Proof of Residence: Idokhumenti efakazela ikheli lokuhlala, njengesitatimende sebhange noma ibhili kagesi.
- Bank Account: Imininingwane ye-akhawunti yasebhange evumelekile.
Isicelo Se-Inthanethi
Abafaka izicelo bangalindela ukuthi:
- Baqale ngokudala iphrofayeli enkundleni yabahlinzeki bemali mboleko.
- Bagcwalise amafomu esicelo ngolwazi oludingekayo, kufaka phakathi imininingwane yomuntu siqu nemali engenayo.
Ukuhlolwa Kwesikweletu
- Credit Approval: Ukuhlolwa kwesikweletu kuyinqubo ebucayi ekunqumeni ukuvunyelwa kwesicelo.
- Abahlinzeki bemali mboleko bazobheka amarekhodi esikweletu aseNingizimu Afrika ukunquma ukufaneleka kwesicelo seloan.
Izindlela Zokubala Intengo
Ukubalwa kwentengo yemali mboleko kubalulekile ekunqumeni ukuthi umbolekisi uzokhokha malini ngenyanga, kanye nesamba esiphelele esizokhokhwa phezu kwesikhathi somboleko.
Lokhu kubalwa kusekelwe enanini lenzalo, ubude besikhathi somboleko kanye nesamba sokubolekwa.
Umphindiseli Wezimali Mboleko
I-loan calculator isetshenziswa ekubaleni monthly instalments umuntu azoyikhokha.
Ikhombisa umphumela we-loan amount, interest rate, kanye ne-term yemboleko.
Isibonelo, uma umuntu ebolekwe u-R200,000 ngesilinganiso senzalo esinqunyiwe kanye nesikhathi sokukhokha seminyaka emihlanu, i-calculator ingabala ukuthi kuzoba malini okumele kukhokhwe ngenyanga.
Isilinganiso Senzalo
Isilinganiso senzalo siyaphawuleka ekubaleni izindleko zemali mboleko.
Inzalo ingaba fixed noma ingalawulwa ngokweqhaza lomnotho.
Ama-fixed interest rates aqinisekisa ukuthi izinkokhelo zanyanga zonke aziguquki phezu kwesikhathi.
Inzalo ibalwa njengephesenti lemali mboleko futhi ifakazelwa esivumelwaneni semboleko.
Imali Yesikhathi Sokukhokha
Isikhathi sokukhokha sibalulekile ekunqumeni ubunzima bezimali zanyanga zonke.
Term yemboleko ingafinyelela eminyakeni eyishumi nangaphezulu, kuya ngezimo.
Isikhathi eside singanciphisa izindleko zanyanga zonke kodwa siphinde sandise ingqikithi yenzalo ekhokhwayo.
Monthly repayment inyuka njengoba isikhathi sokukhokha sifinyezwa.
Izinkinga Zempilo Nokukhokha
Ukubolekwa kwemali kungahambisana nezingozi zezimpilo ezingalindelekile zombolekisi.
Kubalulekile ukuba ababolekisa izimali bagcine imigomo evikela ama-akhawunti abo kanye nokusebenza kwabo kwezezimali ekubhekene nezingozi ezingalindelekile ezifana nokulahlekelwa umsebenzi, ukukhubazeka, noma ukushona.
Umshwalense Wokuvikelwa Kwangasese
Umshwalense wokuvikelwa kwangasese (personal protection plan) uqinisekisa ukuthi uma umbolekisi* engakwazi ukuqhubeka nokukhokha ngenxa yokulahlekelwa umsebenzi (retrenchment), ukukhubazeka okungamahlalakhona (permanent disability), noma ukushona, isikweletu siyakhokhwa.
Lesi sivikelo sibalulekile kuzo zombili izinhlangothi – umbolekisi nenkampani yemalimboleko.
Ukulahlekelwa Umsebenzi
Ukungasebenzi ngokungalindelekile kungatshala umbolekisi enkingeni enkulu yezimali.
I-Credit life insurance ingafaka ukuvikelwa lapho umbolekisi* elahlekelwa umsebenzi, iqinisekisa ukuthi izinkokhelo zesikweletu zisasekelwa ngesikhathi esithile noma kuze kufinyelelwe esivumelwaneni sohlelo lokuvikelwa.
Ukukhubazeka Kanyekanye
Ukukhubazeka, kungaba okwesikhashana (temporary disability) noma okungahlaliseki, kungavimba umbolekisi* ekutholeni imali futhi kumfaka engcupheni yokungakwazi ukukhokha isikweletu.
Umshwalense kufanele ukwazi ukumbozela izinkokhelo zesikweletu ngesikhathi sokukhubazeka, kunciphisa ingcindezi yokuthi umbolekisi* alahlekelwe wumthombo wemali engenayo (inability to earn an income).
*Umbolekisi: Umuntu oboleka imali emabhange noma ezikhungweni zezimali.
Ukuphatha Izikweletu
Ukuphatha izikweletu kubalulekile ekugcineni impilo yezimali eqinile.
Lokhu kuhlanganisa ukuqonda okunzulu ngokuhlanganisa izikweletu nokulandela izinhlaka zomthetho ezilawula izikweletu eNingizimu Afrika.
Ukuhlanganisa Izikweletu
Ukuhlanganisa izikweletu kusho ukuthatha izinkece eziningi kanye nokuzihlanganisa zibe isikweletu esisodwa esinelilungu lerepayment nesamba esisodwa seservice fee, initiation fee, kanye neadmin fee.
Lokhu kwenziwa ngokusebenzisa izikweletu zokuhlanganisa, ezinikezela ngethemba lokunciphisa inani lemali ekhokhwa njalo ngenyanga futhi kwezinye izimo, ukwehlisa izindleko eziphelele zezikweletu.
- Service fee: Imali ekhokhwa nyanga zonke yokuphatha isikweletu.
- Initiation fee: Imali ekhokhwa ekuqaleni uma kwenziwa isikweletu.
- Admin fee: Imali eyengeziwe ngokuphathwa kwesikweletu.
Izikweletu zokuhlanganisa zichaza isamba esikhokhwa ngenyanga (loan repayment) kanye nesikhathi sokubuyisa isikweletu (repayment term), okumele kuhambisane neterms and conditions zesikweletu esikhethiwe.
Izinhlaka Zezomthetho
INingizimu Afrika inomthethosivivinywa obizwa ngeNational Credit Act, oqondisa izindaba zezikweletu.
Lomthetho ulawula izindlela amabhizinisi ambolekisayo okufanele alandele ekunikeni izikweletu, aqinisekisa ukuthi izikweletu zinikezwa ngendlela efanele futhi engenabungozi kubathengi.
Umthethosivivinywa udinga ukuthi:
- Imibandela yezikweletu kufanele yethulwe ngendlela eqondile futhi elula.
- Abasebenzisi kumele bagweme ukuthatha izikweletu ezingaphezu kwamandla abo okukhokha.
- Loan repayment terms kumele kube nezikhathi ezimiswe kahle futhi zingeqi amandla ezimali zomboleki.
Inqubo yezikweletu eNingizimu Afrika iyinkimbinkimbi futhi iyadinga ukuthi umuntu aqonde ngokugcwele izibopho zomthetho nezimali ezibandakanyekayo.