Bayport Financial Services

Inkcazelo NgokuBanzi ngeBayport kunye nemvelaphi eMzantsi Afrika

I-Bayport Financial Services 2010 (Pty) Ltd yasekwa ngonyaka ka-2004 yi-Bayport Management Ltd, kwaye ibe yenye yeenkampani ezinkulu eMzantsi Afrika ezingezizo iibhanki ezibonelela ngekredithi engakhuselekanga. Inombolo yayo yobhaliso lwenkampani ngu-2009/018403/07, kwaye ibhalisiwe njengomnikezeli wekredithi phantsi kwe-NCR (National Credit Regulator) nenombolo NCRCP4685. Ngapha koko, inelayisenisi ye-FSP (Financial Services Provider) nenombolo FSP 42380, ekhokelela ekuqinisekiseni ukuthobela imithetho yesebe lezemali.

Inkampani iphethwe kakhulu yi-Government Employees’ Pension Fund (GEPF) ngepesenti ezingama-51, ngelixa i-Bayport Management Ltd inepesenti ezingama-49. Lo mzekelo wobunini ubonisa ukuzinza kunye nokuthembeka kwenkampani kwindawo yezemali yaseMzantsi Afrika. Eyona njongo yayo kukufezekisa iimfuno zemali zabantu abakumgangatho ophakathi abangenakho ukufikelela ngokulula kwiibhanki zemveli.

I-Bayport isebenzisa indlela yokusasaza ngeendlela ezininzi, kuquka amasebe ezithili, ama-arhente okuthengisa azimeleyo, amaziko eminxeba, abacebisi abahambayo, kunye newebhusayithi ekwaziyo ukwenza intengiselwano epheleleyo. Esi sisiseko esikhulu sokubonelela ngeyona nkonzo ifikelelekayo kwizigidi zabantu abangafumani nkonzo kwimibutho yezemali yesiqhelo, kubandakanya iimali mboleko ezingakhuselekanga kunye neenkonzo ze-inshurensi.

Abaphathi abaziintloko benkampani baquka uMphathi Olawulayo weQela uChris Newson, oselubambeni lwesihlalo. UAlfred Ramosedi, oyi-CEO yeBayport SA, unamava angaphezu kweminyaka engama-25 kwibhengqi. UWarwick Keet ungumphathi wezemali olawula izibonelelo kunye nomngcipheko. Aba baphathi banobuchule obukhulu kwaye baqinisekisa ukuba iBayport iqhuba ishishini layo ngobuchule nangokuthembeka.

Iinkonzo zeMali kunye neeMveliso eziBonelelwayo

I-Bayport Financial Services inikezela uluhlu olubanzi lweemveliso zemali ezijolise ekwanelisekiseni iimfuno ezahlukileyo zabathengi bayo. Olona luphambili kwiimveliso zabo ziimali mboleko ezingakhuselekanga. Ezi zimali mboleko azifuni naluphi na uhlobo lwesibambiso, olwenza zifikeleleke kubantu abangafuni ukubeka impahla yabo engozini.

Iindidi zeMali Mboleko:

• Iimali mboleko Zobuqu: Ezi zilungiselelwe iimfuno zemali ezahlukeneyo zobuqu, nokuba yeyexesha likaxakeka, ukulungisa ikhaya, okanye ezinye iindleko.
• Iimali mboleko Zokudibanisa Amatyala: Abathengi abanetyala elininzi elisasazeke kwiindawo ezahlukeneyo banokusebenzisa olu hlobo lwemboleko ukudibanisa onke amatyala abo abe yimboleko enye, enokuthi yehlise iintlawulo zenyanga kwaye yenze ukuba kulawuleke ngakumbi.
• Iimali mboleko Zokuhlawula (Bayport Money Solutions): Ezi zilungiselelo zemboleko ezinikezelwa kubasebenzi bamaqumrhu athile, apho intlawulo ihlawulwa ngokuthe ngqo kwi-payroll yomsebenzi.
• Iimali mboleko eziJolise kwiNjongo Ethile: Ezi ziquka iimali mboleko zemfundo, ukuphucula ikhaya, kunye neemeko zikaxakeka.
• Iimali mboleko zeXesha Eliqashisayo, Eliphakathi kunye neliDe: Abathengi banokukhetha ixesha lokuhlawula elihambelana neemfuno zabo, elisuka kwiinyanga ezi-6 ukuya kwezingama-84.

Ngaphandle kwezi mboleko, iBayport ikwabonelela ngeenkonzo ze-inshurensi ezongezelelweyo ezinje nge-inshurensi yomngcwabo kunye neyokugquma izithuthi, okuvumela abathengi ukuba bahlengahlengise iipakethe zabo zemali ngokuzeleyo.

Amasamba eMali Mboleko, Iirhafu Zenzala kunye Nemirhumo:

Amasamba emali mboleko asukela ku-R1,000 ukuya kutsho ku-R250,000, kuxhomekeke kwisimo sakho semali kunye nokukwazi ukuhlawula. Iirhafu zenzala zilungiswa kwaye ziyahluka ngokuxhomekeka kwi-profayile yomngcipheko womboleki, zihlala ziwela phakathi kwe-11% kunye ne-28% ngonyaka. Kubalulekile ukuqaphela ukuba uMthetho weSizwe ngeKredithi (National Credit Act) ubeka umda kwiirhafu zenzala zeemali mboleko zobuqu kwi-prime rate + 21%, okwangoku ukuya kutsho kwi-24.75%. Izinga le-APR (Annual Percentage Rate) lihlala lisephakathi kwe-18% kunye ne-35%, kuxhomekeke kwixesha lemboleko kunye ne-profayile yomboleki.

Kukho nemirhumo ethile enxulumene neemboleko zeBayport:

• Urhumo Lokuqalisa: Olu lunokufikelela kwi-R1,207.
• Urhumo Lwenkonzo Lwenyanga: Olu luhlala luyi-R69 malunga nenyanga.
• Urhumo Lokuhlawula Emva Kwexesha: Olu luhlawuliswa ngokomgaqo-nkqubo wenkampani, njengepesenti yentlawulo yenyanga.

Zonke iimali mboleko ezinikezelwa yiBayport azikhuselekanga, oku kuthetha ukuba akukho sibambiso somzimba esifunekayo. Oku kunciphisa umngcipheko kubaboleki kwaye kwenza ukuba inkqubo yokufumana imboleko ibe lula.

Inkqubo Yesicelo, Ityala leMobile kunye noLawulo

I-Bayport Financial Services yenze lula inkqubo yesicelo ukwenzela ukuba ifikeleleke kwaye ibe lula kubathengi bayo. Banikezela ngeendlela ezininzi zokufaka izicelo, kuquka izitishi zedijithali nezezithethe.

Izitishi Zesicelo:

• Iwebhusayithi: Abathengi banokufaka izicelo ngokupheleleyo kwi-intanethi kwiwebhusayithi yeBayport. Le yindlela elula nenesantya sokufaka isicelo nokulawula iakhawunti yakho.
• Ityala leMobile: Ifumaneka kwii-iOS nakwii-Android, ityala leBayport liyazivumela izicelo zemboleko, ukujonga izhedyuli zentlawulo, ukufumana iingxelo zempilo yekredithi, kunye neengcebiso zezemali. Abasebenzisi abaninzi bayalixabisa eli tyala ngenxa yobulula balo kwaye linamanqaku angaphezu kwama-4 eziyolisa (4.2★ kwi-iOS, 4.0★ kwi-Android).
• Amasebe Okwenyani kunye nabacebisi abahambayo: Ngeenkonzo zabo ezisasazeke kuwo onke amaphondo aseMzantsi Afrika, iBayport inamasebe angaphezu kwe-100 kunye nabacebisi abahambayo abafikelela kwiindawo zasemaphandleni nasezidolophini.

Iimfuno zesicelo:

Ukuze ufake isicelo semboleko, uya kufuna la maxwebhu alandelayo:

• Isazisi saseMzantsi Afrika esisebenzayo.
• Ububungqina bengena-mali (i-payslip yeenyanga ezi-3 okanye iingxelo zasebhankini).
• Ububungqina bomsebenzi (okungenani iinyanga ezi-6 ubuncinane).

I-Bayport isebenzisa inkqubo yayo yovavanyo lomngcipheko ehambelana noMthetho weSizwe ngeKredithi ukumisela ukukwazi kwakho ukuhlawula. Izinto ezijongwayo ziquka ukuzinza kwengeniso, umyinge wetyala-kwingeniso, kunye nembali yakho yekredithi.

Indlela Yokuhlawula kunye Nokuqokelela:

Emva kokuba isicelo sakho sivunyiwe, imali ihlawulwa ngokuthe ngqo kwiakhawunti yakho yasebhankini. Kwizivumelwano ezithile zokuhlawula, imali inokuhlawulwa ngokuthe ngqo kwi-payroll yakho. Iintlawulo zenyanga ziqokelelwa ngomyalelo we-debit. Ukuba kukho imiba yentlawulo, iBayport isebenzisa iindlela ezahlukeneyo zokukhumbuza, kuquka ii-SMS, i-WhatsApp, kunye neminxeba. Bakwanikezela ngeenkonzo zokulungiselela iintlawulo kubathengi abanetyala elininzi ngeenkonzo zokudibanisa amatyala.

Ukubekwa kweMarike, Ukhuphiswano kunye neNgcebiso kubo Abafuna Ukuboleka Imali

I-Bayport Financial Services yime nkulu kwishishini lokubolekisa ngemali eMzantsi Afrika, ibekwa njengeyona yesithathu ngobukhulu kubaboneleli beekredithi ezingakhuselekanga ezingezizo iibhanki. Oku kubekwa kubonisa ukomelela kwayo kunye nokuthembeka kwayo kwimarike.

Abakhuphisana kunye Nohluko:

I-Bayport ijongana nokhuphiswano oluvela kwiinkampani ezinje ngeBaylane, Teba Bank, kunye ne-African Bank. Nangona kunjalo, iBayport iyahluka ngeendlela ezininzi:

• Ubukho Obubanzi: Ine-footprint enzulu kwiindawo zasemaphandleni ngabacebisi bayo abahambayo, nto leyo eyenza ukuba ifikelele kubathengi abangenakufikelela lula kwiibhanki ezinkulu.
• Inkxaso Yempilo Yezemali: Ibonelela ngeengcebiso zempilo yezemali kunye neengxelo zempilo yekredithi simahla kubathengi bayo, oku kubonisa ukuzinikela kwayo ekukhuliseni ulwazi lwezemali.
• Iimali mboleko Zokuhlawula Ngabantu Abaqeshweyo: Iinkqubo zayo zemali mboleko zokuhlawula ezinxulumene nabaqeshi zenza ukuba iimali mboleko zifikeleleke ngakumbi kubasebenzi bamaqumrhu athile.

Uphononongo lwabaThengi kunye neZimvo:

Uphononongo lwabathengi luphakathi, nge-average score ye-3.8★ kwi-Trustpilot. Abathengi abaninzi baphawula kakuhle ngokufikelela kweenkonzo zayo kunye nenkxaso yemfundo yezemali. Nangona kunjalo, kukho izikhalazo eziqhelekileyo malunga nokulibaziseka ekuhlawuleni imali ngamaxesha okufuna kakhulu, kunye neendlela zokuqokelela ezibonakala zinoburhalarhume kwabanye.

I-Bayport izimisele ukuphucula amava abathengi bayo. Banika inkxaso yabathengi ye-24/7 ngeendlela zedijithali kwaye banamaqela azinikele ekuncedeni abathengi. Amabali empumelelo aquka abathengi abaye babona ukuphucuka kwengeniso yabo kunye nezikowuni zekredithi emva kokusebenzisa iimali mboleko zokudibanisa amatyala.

Ingcebiso Esebénzayo kubo Abafuna Ukuboleka Imali:

Ngaphambi kokuba ufake isicelo semboleko kwiBayport (okanye nakweyiphi na inkampani), qwalasela oku kulandelayo:

• Yenza Uphando: Qinisekisa ukuba uyaziqonda iintlobo zemboleko ezikhoyo kunye nokuba zeziphi ezihambelana neemfuno zakho.
• Jonga Ukukwazi Kwakho Ukuhlawula: Bala ukuba ungakwazi na ukuhlawula imali mboleko ngokuthe rhoqo ngaphandle kokubeka uxinzelelo olukhulu kwimeko yakho yemali. Sebenzisa izixhobo zokubala zemboleko kwiwebhusayithi yeBayport.
• Qwalasela Iirhafu kunye Nemirhumo: Funda ngokucokisekileyo ngazo zonke iirhafu zenzala, imirhumo yokuqalisa, kunye nemirhumo yenyanga. Buza imibuzo ukuba akukho nto icacileyo.
• Funda Imigaqo Nemibandela: Qinisekisa ukuba uyayiqonda yonke imigaqo nemibandela yembuyekezo, kuquka imirhumo yokuhlawula emva kwexesha.
• Jonga Imbali Yekredithi Yakho: I-Bayport yenza uvavanyo lwekredithi. Yazi imeko yakho yekredithi ngaphambi kwesicelo.
• Sebenzisa Ityala leMobile: Eli tyala linokuba lixabiso elikhulu ekulawuleni imboleko yakho nakwimeko yakho yekredithi.

Ulawulo, Ukuthobela Imithetho kunye neNkqubo Yemali

I-Bayport Financial Services isebenza phantsi kolawulo olungqongqo lwaseMzantsi Afrika, oluqinisekisa ukuba zonke iinkonzo zayo zihambelana nemithetho nemimiselo. Oku kubalulekile ekukhuseleni abathengi kunye nasekuqinisekiseni ukuzinza kweemarike zemali.

Ukubhaliswa kunye noLawulo:

Njengoko sele kukhankanyiwe, iBayport ibhaliswe njengomnikezeli wekredithi phantsi kwe-National Credit Act (NCA) kwaye inelayisenisi ye-FSP evela kwi-Financial Sector Conduct Authority (FSCA). Oku kuthetha ukuba ijongeka yimibutho emibini ebalulekileyo elawula icandelo lezemali eMzantsi Afrika. Ayikaze ibe nazo naziphi na izenzo ezinkulu zolawulo okanye izohlwayo ukuza kuthi ga ngoku, nto leyo ebonisa ukuzinikela kwayo ekuthobeleni imithetho.

Ukhuseleko lwabaThengi:

I-Bayport iqinisekisa ukhuseleko lwabathengi ngokuthi ibonelele ngethuba lokuphola (cooling-off period) kwizivumelwano zemboleko, okuvumela abathengi ukuba bacime isivumelwano kwisithuba esithile ukuba batshintsha ingqondo. Ikwanika ulwazi olucacileyo nolusekuqaleni malunga nexabiso elipheleleyo lemboleko ngaphambi kokuba isivumelwano sisayinwe. Ukongeza, abathengi ababhalisiweyo bafumana iingxelo zempilo yekredithi simahla qho ngekota, okubanceda ukuba balandelele imeko yabo yekredithi.

Inkqubo Yemali:

I-Bayport sisigxina esibalulekileyo kuqoqosho lwaseMzantsi Afrika. Ingaba iBayport SA inegalelo elimalunga ne-R1.2 bhiliyoni kwingeniso yeqela ngonyaka ka-2024, nangona olu lwazi lungaqinisekiswanga ngokupheleleyo. I-profit margins yeemali mboleko ezingakhuselekanga ihlala iphakathi kwe-15% kunye ne-20%. Le nkqubo yezemali iqinisekisa ukuba inkampani ikwimeko yokubonelela ngeenkonzo ezinzileyo kubathengi bayo.

I-Bayport ifumene inkxaso yemali ngeendlela ezahlukeneyo, kuquka iimali mboleko zombini kunye neenkqubo zeebhondi kwiimarike zasekhaya nezamazwe ngamazwe. Omnye umtyali-zimali omkhulu yi-PIC (Public Investment Corporation) nge-R2.49 bhiliyoni ngonyaka ka-2017. Le mali inceda ukuxhasa ubungakanani beemboleko zayo, ezilinganiselwa kwi-R3 bhiliyoni ngo-2025. Inkampani ikwaqinisekisa ukuba umyinge weemboleko ezonakeleyo uhlala ulawuleka, ujikeleze i-6% ukuya kwi-8%, kwaye ingxowa-mali yokugquma umngcipheko igcinwa ngaphezu komda olawulwayo.