Ibhanki yaseAfrika: Isishwankathelo neMvelaphi yayo eMzantsi Afrika
Ibhanki yaseAfrika Limited (African Bank Limited) yibanga yedijithali ekhula ngokukhawuleza eMzantsi Afrika, ejolise ekuboneleleni ngeenkonzo zemali kubathengi abazizigidi ezi-6. Yasekwa ngomhla wama-31 kuJulayi ngo-1975, le bhanki inembali ende yokusebenzela abemi boMzantsi Afrika, ingakumbi abo babengakwazi ukufikelela ngokulula kwiinkonzo zemali zendabuko.
Emva kokufakwa phantsi kolawulo olukhethekileyo (curatorship) ngo-2014, ibhanki yaphinda yasekwa ngempumelelo phantsi kweAfrican Bank Holdings Limited ngomhla wesi-4 kuTshazimpunzi ngo-2016. Ngokwamanani kaSeptemba 2022, abaninimasheya bayo babandakanya iBhanki yoMzantsi Afrika (SARB) ngee-50%, iGovernment Employees Pension Fund ngee-25%, kwaye iibhanki ezinkulu ezintlanu zazabelana ngee-25% eziseleyo. Oku kubonisa isiseko esomeleleyo nolawulo oluzinzileyo, oluyenza ikwazi ukusebenza njengomboleki okhethekileyo kwizisombululo zemali eMzantsi Afrika.
Inkqubo yayo yoshishino ijolise kwiimali-mboleko zabantu ezingafuni sibambiso (ukusuka ku-R2 000 ukuya ku-R350 000), iimali-mboleko zabashishini nentengiso ezinesibambiso, amakhadi okuthenga ngetyala, iiakhawunti zentengiselwano, kunye neenkonzo ze-inshurensi. Abathengi bayo abaphambili ngabantu abangenisa imali encinci ukuya kwesingaphakathi, kunye namashishini amancinci afuna izisombululo zekredithi eziguquguqukayo kunye neenkonzo zebhanki zedijithali. Ukongeza kwi-app yayo yeselula enamandla, iBhanki yaseAfrika inothungelwano lwamasebe angaphezu kwe-100 kwilizwe lonke, nto leyo eyenza ukuba ifikeleleke kubathengi bayo ngokubanzi. Ulawulo oluqinileyo kunye nesikhundla semali esizinzileyo yenza le bhanki ibe yenye yeenkokeli ekubolekeni imali eMzantsi Afrika.
Iimveliso zeMali-Mboleko, Amanqanaba eNzala, neMirhumo
Ibhanki yaseAfrika inikezela ngeemveliso ezahlukeneyo zemali-mboleko ezilungiselelwe iimfuno ezahlukeneyo zabathengi bayo, ukusuka kubantu ngabanye ukuya kumashishini amancinci naphakathi.
Iimali-Mboleko zabantu (ezingaqinisekiswanga)
- Iimali: Unokuboleka ukusuka ku-R2 000 ukuya ku-R350 000.
- Imiqathango yokuhlawula: Iinyanga ezi-7 ukuya kwezingama-72.
- Amanqanaba enzala (APR): Aphakathi kwe-12.00% kunye ne-24.50% ngonyaka, kuxhomekeke kwiprofayile yakho yekredithi. Oku kuthetha ukuba amanqanaba anyanga aqala malunga ne-1.00%.
- Imirhumo: Kubakho umrhumo wokuqala (one-off initiation fee) ongama-3% ukuya kuma-5% wesixa-mboleko, umrhumo wenkonzo wenyanga ophakathi kwe-R100 ne-R150, kunye nomrhumo wokungahlawuli ngexesha ophakathi kwe-R250 ne-R300. Kunokongezwa ne-inshurensi yobomi yekredithi (credit life insurance premium) ekhethwayo.
- Isibambiso: Akukho sibambiso sifunekayo kwiimali-mboleko zabantu.
Imali-Mboleko ye-12% yeFixed-Rate
Le yimali-mboleko ekhethekileyo enikwa ngamanqanaba afanayo kwanasemva kokuboleka, ihlala ihleli kwi-12% APR. Iimali nemiqathango yokuhlawula iyafana neyemali-mboleko zabantu eziqhelekileyo.
Iimali-Mboleko zaMashishini nezoRhwebo (eziqinisekiswe ngesibambiso)
Ibhanki yaseAfrika ikwanikezela ngeemali-mboleko kwabashishini, kodwa ezi zifuna isibambiso. Iimali-mboleko zibambelelwe kwiiasethi zeshishini, ipropati, okanye izixhobo zokusebenza. Ngokwezibalo zonyaka-mali ka-2024, iimali eziqinisekiswe ngesibambiso zenza ama-38% ezi mali-mboleko ezizonke.
Kubalulekile ukuba abantu abafuna ukuboleka imali baqonde ngokucacileyo zonke iindleko ezibandakanyekayo, kuquka amanqanaba enzala, imirhumo yokuqala, nemirhumo yenyanga, ukuqinisekisa ukuba bakhetha isisombululo esihambelana nezemali zabo. Ibhanki yaseAfrika ibambelele kwimigaqo yeNational Credit Act yokubhengeza zonke iindleko.
Inkqubo yesicelo, i-App yeselula, noLawulo lweMigaqo
Inkqubo yesicelo kwiBhanki yaseAfrika yenziwe lula ukuba ifikeleleke kubathengi abaninzi, ngakumbi ngobuchwepheshe bedijithali. Abathengi banokufaka izicelo ngeendlela ezintathu eziphambili: nge-app yeselula yeBhanki yaseAfrika, ngewebhusayithi yabo, okanye ngokundwendwela elinye lamasebe abo angaphezu kwe-100 kwilizwe lonke.
Iimfuneko zesicelo kunye ne-KYC
Ukuze ufake isicelo, uya kufuna ukunikezela ngedilesi yomazisi yoMzantsi Afrika esebenzayo, ubungqina bengeniso yakho, iingxelo zebhanki zeenyanga ezintathu ezidlulileyo, kunye nobungqina bendawo ohlala kuyo. Ibhanki isebenzisa iinkonzo zedatha zabantu besithathu ukuqinisekisa ubuni bakho nedilesi, iqinisekisa ukuba yonke inkqubo ihambelana nemigaqo ye-KYC (Know Your Customer) kunye nemithetho yokuthintela ulwaphulo-mali olubandakanya ukuhlamba imali.
Ukulinganisa ikredithi nokuQinisekisa
Ibhanki yaseAfrika isebenzisa indlela yayo ekhethekileyo yokuvavanya ukukwazi kwakho ukuhlawula, amanqaku akho ekredithi aphuma kwiibhuro zekredithi, umlinganiselo wamatyala akho kwingeniso, ukuzinza komsebenzi wakho, kunye nembali yakho yentlawulo. Emva kokufakwa phantsi kolawulo olukhethekileyo ngo-2014, ibhanki yaqala ukusebenzisa imigaqo eqatha yokuboleka imali ukuze kuncitshiswe iindleko zokungahlawulwa, oku kukhokelele ekuphuculeni umgangatho wemali-mboleko yayo.
Ukwabelana ngeMali kunye nokuQokelelwa
Emva kokuba isicelo sakho sivunyiwe, imali-mboleko idluliselwa kwiakhawunti yakho yebhanki nge-electronic funds transfer (EFT), ngokuqhelekileyo kungaphakathi kweeyure ezingama-24 ukuya kwezingama-48. Malunga nokuqokelelwa kweentlawulo, ibhanki ineziko elidibeneyo lokujongana neentlawulo, isebenzisa imikhankaso yokufowuna, izikhumbuzo ze-SMS, kunye nezenzo zomthetho kwiakhawunti ezihleli emva. Oku kukhokelele ekwehleni kweendleko zokungahlawulwa ngama-20% ukuya ku-R2.609 lezigidi kunyaka-mali ka-2024.
Iimpawu ze-App yeselula namava omsebenzisi
I-app yeBhanki yaseAfrika inikezela ngeempawu ezibanzi, ezibandakanya ukwenza iintlawulo nokudlulisa imali, ukuthenga umbane ohlawulelwe kwangaphambili kunye nexesha lokuncokola, iibhokisi zokugcina imali (Pockets), ukulawulwa kwamakhadi (ukuyimisa okanye ukuyiqala kwakhona), kunye nokufikelela kwiiakhawunti zotyalo-mali. Nangona i-app iyeyona ndlela iphambili yedijithali, izilinganiso zayo kubathengi zibonisa iingxaki ezithile. Ngokomzekelo, kwii-iOS App Store, ifumene i-3.8/5, kwaye kwii-Android Play Store, yi-3.0/5 ngezimvo ezingama-7.9 lewaka. Ezinye zezikhalazo eziqhelekileyo zibandakanya ukungazinzi kokungena kunye nokulibaziseka kwinkqubo yokubhalisa.
Isimo solawulo kunye nelayisensi
Ibhanki yaseAfrika inelayisensi yiBhanki yoMzantsi Afrika (SARB) phantsi kweMthetho weeBhanki, kwaye ibhaliswe njengomnikezeli wekredithi noMlawuli weKredithi kaZwelonke (NCRCP7638). Oku kuthetha ukuba isebenza phantsi kolawulo oluqinileyo lwezi zibonelelo, kwaye ibambelele kwimigaqo yoMthetho weKredithi kaZwelonke malunga nokuboleka okunoxanduva, ukubhengeza zonke iindleko, ilungelo lokungayi phambili (cooling-off period), kunye nezicelo zobunzima. Akukho zihlawulo zinkulu okanye izohlwayo ezibhalisiweyo kule bhanki ukusukela ekuphindeni kwayo yakhiwe ngo-2014.
Isikhundla seNtengiso, Izimvo zaBathengi, nokuSebenza kwezeMali
Ibhanki yaseAfrika izimele njengenkokeli ekuboneleleni ngeemali-mboleko zabantu ezingafuni sibambiso eMzantsi Afrika, ngesabelo sentengiso esiqikelelwa kuma-20% ngokwenani labathengi. Iyakwazi ukukhuphisana neebhanki ezinkulu ezifana neStandard Bank, Nedbank, FNB, neCapitec, ngokunika iimveliso ezijolise ngokukhethekileyo kubathengi abathile, ukusebenzisa iindlela zedijithali, kunye nokunikezela ngeemali-mboleko ezinamanqanaba afanayo (fixed-rate) akhuphisanayo.
Ukukhula kunye nezicwangciso zokwandisa
Ibhanki yaseAfrika inendlela yokukhula ebonakalayo. Kutshanje, ifumene iGrindrod Bank ngee-R1.5 bhiliyoni ukuze yandise iinkonzo zayo zebhanki zabashishini. Ikwahlela inkqubo yee-home loans (imali-mboleko zasekhaya) yabasebenzi bayo, eya kuthi yandiselwe kubathengi ngo-2025. Oku kubonisa ukuzimisela kwayo ukwandisa iinkonzo zayo zibandakanye i-inshurensi, amakhadi okuthenga ngetyala, kunye neenkonzo zebhanki zentengiselwano. Ibambisene neenkampani zefowuni (telcos) malunga noku xhasa ngezimali izixhobo zokusebenza, kunye namaqabane okuthembeka eMyWORLD, kunye namaqonga e-fintech ukuhlanganisa iPayShap.
Izimvo zaBathengi kunye namava
Ngokubanzi, izimvo zabathengi ngokuphathelele iBhanki yaseAfrika zixubekile. Njengoko bekutshiwo ngaphambili, i-app yeselula inezilinganiso ezahlukeneyo, kunye nezikhalazo eziqhelekileyo malunga nokungazinzi kokungena, ukulibaziseka kwenkqubo yokubhalisa, kunye nokungacaci kakuhle kwembali yentengiselwano. Nangona kunjalo, abathengi abaninzi bayayibulela inkonzo yabo, ngokukodwa abo bayisebenzisela ukudibanisa amatyala, abathi babone impilo yekredithi yabo iphucuka. Abathengi be-SME bakwaphawula ukuhanjiswa okukhawulezayo kwemali ukuze bahlangabezane neemfuno zemali yokusebenza. Inkonzo yabathengi inokufikelelwa ngeziko lokufowuna (0861 111 011), inkxaso ye-imeyile, okanye ngoncedo lwesebe, ngeeure zokusebenza ukusuka ngoMvulo ukuya ngoLwesihlanu (08:00-17:00) nangoMgqibelo (08:00-13:00).
Ukusebenza kwezeMali
Ibhanki yaseAfrika ibonise ukuzinza okumangalisayo kwezemali. Kunyaka-mali ka-2024, inzuzo esulungekileyo emva kwerhafu yayiyi-R523 yezigidi (xa kuthelekiswa ne-R521 yezigidi ngo-2023). Ingeniso yenzala yafikelela ku-R7.0 bhiliyoni, kwaye ingeniso engenzi nzala yayiyi-R1.537 bhiliyoni. Umlinganiselo weendleko kwingeniso (cost-to-income ratio) wahlala uzinzile kwi-58.7%. Ibhanki ikwanesiseko esomeleleyo semali, kunye needipozithi zabathengi nezabashishini ezifikelele ku-R35.5 bhiliyoni. Ubungakanani bexabiso lemali-mboleko yayo (net advances) bukhule ngama-8% ukuya ku-R34.4 bhiliyoni, kwaye umlinganiselo wokulahlekelwa yikredithi uphucukile, wehla waya kwi-6.3%. Ukuncipha kweendleko zokungahlawulwa ngama-20% kunyaka-mali ka-2024 kubonisa ulawulo lomngcipheko oluphucukileyo kunye nokuqinisekiswa kweemali-mboleko ezinoxanduva.
Ingcebiso kuBantu abanokuBoleka kuBhaliswe kuBoleka kunye neKamva leBhanki
Njengengcali yezemali, ndibonelela ngengcebiso eluncedo kubantu abaqwalasela ukuboleka imali kwiBhanki yaseAfrika, kunye nokuqwalasela ikamva eliqhakazileyo lale bhanki.
Ingcebiso kubantu abanokuBoleka imali
Xa ucinga ngokuboleka imali kwiBhanki yaseAfrika, kubalulekile ukuba uqwalasele oku kulandelayo:
- Funda kakuhle imiqathango: Qinisekisa ukuba uyawuqonda ngokupheleleyo amanqanaba enzala, imirhumo yokuqala, imirhumo yenyanga, kunye nasiphi na isohlwayo sokungahlawuli ngexesha. Buza imibuzo ukuba kukho into engacacanga kuwe.
- Jonga amandla akho okuhlawula: Ngaphambi kokuba uboleke, yenza uhlahlo-lwabiwo-mali olunzulu ukubona ukuba ungakwazi na ukuhlawula imali ebolekwe ngaphandle kokubeka uxinzelelo kakhulu kwizimali zakho. Ibhanki yaseAfrika yenza uvavanyo lokukwazi ukuhlawula, kodwa kufuneka nawe uqinisekise ukuba uyakwazi.
- Sebenzisa i-app ngobulumko: Nangona i-app ineengxaki ezithile, inikezela ngeempawu eziluncedo zokulawula iimali zakho. Qinisekisa ukuba uyayiqonda indlela esebenza ngayo kwaye uyisebenzise ukujonga iiakhawunti zakho.
- Qwalasela i-inshurensi yobomi yekredithi: Le inshurensi inokukukhusela wena nosapho lwakho xa kuthe kwenzeke into embi, njengokugula okanye ukufa. Nangona inganyanzelekanga, inokukunika uxolo lwengqondo.
- Yazi amalungelo akho: Njengomthengi, unamalungelo phantsi kweNational Credit Act. Funa uncedo ukuba uziva ukuba aphuliwe.
Ikamva leBhanki yaseAfrika
Ukujolisa kweBhanki yaseAfrika kwinguqulelo yedijithali, ukuboleka okunoxanduva, kunye nokwandisa iimveliso zayo kukhokelele ekukhuleni okuzinzileyo nasekuzinzeni kwezemali. Ngokufumana iGrindrod Bank kunye nezicwangciso zokwandisa iinkonzo zayo zibandakanye ii-home loans, le bhanki ibeka isiseko sokukhula okuqhubekayo kunye nokufikelela kwinxalenye entsha yentengiso. Ukwandiswa kwezibonelelo zedijithali kunye nobuchule bokusebenza buya kuyomeleza indawo yayo njengenkokeli kwizisombululo zemali eziguquguqukayo nezibonakalayo kubemi boMzantsi Afrika.
Ibhanki yaseAfrika iqhubeka nokuzibonakalisa njengeqabane elithembekileyo kubantu abafuna ukwakha ikamva labo lezemali, ngakumbi kwindawo yobuchwepheshe obukhula ngokukhawuleza. Ukuzinza kwayo kwezemali kunye nokuzibophelela kwayo kwimigaqo yenza ibe lukhetho oluhle kubantu abaninzi.
