Imibuzo Ebuzwa Rhoqo
Imibuzo Ebuzwa Rhoqo
Imibuzo Ngokubanzi
Yintoni i-Iiapp zemboleko South Africa?
I-Iiapp zemboleko South Africa liqonga lasimahla lokuthelekisa iimbonelelo zemboleko elikunceda ufumane kwaye uthelekise iimveliso zemboleko ezivela kubabolekisi abaqinisekisiweyo kulo lonke elase-South Africa. Sibonelela ngezixhobo, izixhobo zokubala, kunye nezibonelelo zokukunceda wenze izigqibo ezinolwazi malunga nokuboleka.
Ngaba le nkonzo isimahla ngokwenene?
Ewe, inkonzo yethu yokuthelekisa isimahla ngokupheleleyo kubaboleki. Sifumana ikhomishini kubabolekisi xa kusenziwa unxibelelwano, kodwa oku akusoze kuchaphazele imiqathango yemboleko yakho okanye iingcebiso zethu.
Ngaba ababolekisi abakwiqonga lenu bangabemthetho?
Ewe, bonke ababolekisi abakwiqonga lethu ngamaziko emali anelayisensi kwaye alawulwa, asebenza ngokusemthethweni e-South Africa. Siyawuqinisekisa umboleki ngamnye phambi kokuba simqulathe.
Izicelo Zemboleko
Ngaba ukuthelekisa iimbonelelo zemboleko kuya kuchaphazela amanqaku am okuthembeka (credit score)?
Ukusebenzisa izixhobo zethu zokuthelekisa akuchaphazeli amanqaku akho okuthembeka. Xa ungenisa isicelo sangempela kumboleki, banokwenza uhlolo lwentembeko olungenza kuchaphazeleke amanqaku akho.
Kuthatha ixesha elingakanani ukufumana imvume?
Amaxesha okwamkelwa ayahluka ngokuxhomekeke kumboleki nakuhlobo lwemboleko. Abanye ababolekisi babonelela ngezigqibo zokwamkela kwangoko, ngelixa abanye banokuthatha iintsuku ezi-1-3 zokusebenza. Iimbonelelo zemboleko yobuqu zihlala zihamba ngokukhawuleza kuneemboleko zezindlu (mortgages).
Zeziphi iincwadi endizidingayo?
Iimfuno eziqhelekileyo ziquka i-ID, ubungqina bengeniso, iingxelo zebhanki, kunye nobubungqina bedilesi. Iimfuno ezithile ziyahluka ngokuxhomekeka kumboleki nakuhlobo lwemboleko. Jonga amaphepha ababolekisi ngabanye ukuze ufumane iinkcukacha.
Ndingafaka isicelo ukuba ndinamanqaku okuthembeka amabi?
Ewe, sisebenzisana nababolekisi abaqwalasela abafaki-zicelo abaneendlela ezahlukeneyo zokuthembeka. Nangona kunjalo, amanqaku okuthembeka asezantsi anokubangela iireyithi zenzala eziphezulu okanye afune amaxwebhu ongezelelweyo.
Iireyithi Zenzala Neefizi
Kutheni iireyithi zenzala zihluka?
Iireyithi zenzala zixhomekeke kwizinto ezininzi ezibandakanya amanqaku okuthembeka, ingeniso, isixa semboleko, ixesha lemboleko, kunye neemeko zentengiso ezikhoyo e-South Africa. Umboleki ngamnye unezakhe iikrayitheriya zokumisela iireyithi.
Ngaba zikhona iifizi ezifihliweyo?
Hayi, asihlawulisi naziphi na iifizi. Nangona kunjalo, ababolekisi ngabanye banokuba neefizi zokuqala (origination fees), iifizi zokuqhubekeka (processing fees), okanye izohlwayo zokuhlawula kwangoko. Soloko uhlola isivumelwano semboleko ngononophelo phambi kokuba samkele.
Yintoni i-APR?
I-APR (Annual Percentage Rate) imele iindleko zonyaka zizonke zemboleko kubandakanywa nenzala neefizi. Ibonelela ngomfanekiso ochaneke ngakumbi weendleko zemboleko kunenzala nje yodwa.
Ukhuseleko Lwabucala Nokhuseleko Lwedatha
Ngaba ulwazi lwam lukhuselekile?
Ewe, sisebenzisa ufihlo olukwinqanaba lebhanki (SSL/TLS) ukukhusela idatha yakho. Ulwazi lwakho lwabelwana ngalo kuphela nababolekisi okhetha ukunxibelelana nabo. Funda Umgaqo-nkqubo Wethu Wabucala ukuze ufumane iinkcukacha.
Ngubani onokubona ulwazi lwam?
Ulwazi lwakho lwabelwana ngalo kuphela nababolekisi obonakalise umdla kubo. Asisoze sithengise idatha yakho kumaqela esithathu. Ungalawula ukuba loluphi ulwazi olwabelanayo ngalo kwinqanaba ngalinye.
Iintlobo Zemboleko
Zeziphi iintlobo zemboleko endingazithelekisayo?
Sibonelela ngeentetho zemboleko yobuqu, iimbonelelo zemboleko zeshishini, iimbonelelo zemboleko zabafundi, iimbonelelo zemboleko zezindlu (mortgages), kunye neembonelelo zemboleko zezithuthi e-South Africa. Uhlobo ngalunye lwemboleko lunababolekisi abakhethekileyo kunye neemfuno.
Yintoni umahluko phakathi kweembonelelo zemboleko eziqinisekisiweyo (secured) nezingaqinisekisiweyo (unsecured)?
Iimbonelelo zemboleko eziqinisekisiweyo zifuna isibambiso (njengendlu okanye imoto) kwaye zihlala zibonelela ngeereyithi ezisezantsi. Iimbonelelo zemboleko ezingaqinisekisiweyo azifuni sibambiso kodwa zinokuba neereyithi zenzala eziphezulu.
Usenayo Imibuzo?
Awukwazi ukufumana into oyifunayo? Nxibelelana neqela lethu lenkxaso kwaye siya kukonwabela ukunceda!
