Standard Bank

Inkcazo Jikelele ngeStandard Bank kunye neMvelaphi yayo eMzantsi Afrika

IStandard Bank Group Limited yibhanki ephambili neyona inkulu e-Afrika ngokwe-asethi, esebenza kwiindawo ezahlukeneyo zokubonelela ngeenkonzo zemali. Yaqulunqwa ngonyaka we-1862, kwaye ukusukela ngoko yakhula yaba ligama elikhulu nelithembekileyo kushishino lwezebhanki eMzantsi Afrika nakwizwekazi lonke. Le bhanki ibhaliswe kwiRiphabliki yoMzantsi Afrika (Nombolo yoBhaliso: 1969/017128/06) kwaye ingumdlali oyintloko kwiJSE, A2X, kunye naseNSX.

Imodeli yebhanki yeStandard Bank yahlulwe yangamacandelo amathathu abalulekileyo: i-Personal & Business Banking (PBB) ejongene nabathengi abaqhelekileyo namashishini amancinci naphakathi; i-Corporate & Investment Banking (CIB) ejongene neenkampani ezinkulu nabatyali-mali bamazwe ngamazwe; kunye ne-Wealth ejongene nabantu abazizityebi. Le ndlela iyenza ikwazi ukubonelela ngeenkonzo zemali ezilungelelanisiweyo kubantu abahlukeneyo, ukusuka kwizixeko ukuya kwiindawo zasemaphandleni, kunye nokuxhasa amashishini amancinci kude kufike kwiiprojekthi ezinkulu zorhwebo namandla. Izikhulu eziphambili zibandakanya uSim Tshabalala njengoMlawuli oyiNtloko weQela, kunye noJudy Dlamini njengoSihlalo weBhodi yabaLawuli, nto leyo ebonisa ubunkokeli obuqinileyo nobunesiphiwo.

IiMveliso zeeMboleko kunye neNkonzo eziBonelelwa yiStandard Bank

IStandard Bank ibonelela ngohlobo olubanzi lweemveliso zemboleko, zombini kubathengi abaqhelekileyo nakumashishini, ezilungelelaniswe neemfuno ezahlukeneyo. Olu luhlu lubanzi lubeka iStandard Bank njengebhanki enikezela ngezisombululo ezininzi zemali. Nazi ezinye zeemveliso eziphambili:

IiMboleko zaBantu baQhelekileyo (Unsecured Retail Credit)

• Imboleko yeXesha eliMisiweyo (Term Loan): Le mboleko inikezela ngemali esukela ku-R3 000 ukuya ku-R300 000, ehlawulwa phakathi kweenyanga ezili-12 nezili-84. Amanqanaba enzala ahlala engatshintshi kwaye anqunyelwa ngokomlando wekredithi yomntu ngamnye (malunga ne-12%-24% ye-APR). Kukho umrhumo wenkonzo wenyanga wama-R69 kunye nomrhumo wokuqalisa osukela ku-R250 ukuya ku-R1 000. Akukho zohlwayo zokuhlawula kwangethuba. I-inshorensi yobomi yekredithi ifakiwe, egubungela ukufa, ukukhubazeka, kunye nokuchithwa emsebenzini.
• I-Overdraft: Oku kuvumela ukuba uboleke phakathi kwe-R1 000 ne-R200 000 kwiakhawunti yakho yokuqokelela imali. Intlawulo yenziwa ngee-debit order zenyanga, kwaye inzala ihlawulwa kuphela kwimali esetyenzisiweyo. Amanqanaba enzala ahluka-hluka, ahamba nezinga eliphambili (prime) kunye ne-2%-4% eyongeziweyo. Kukho umrhumo wokugcina wenyanga wama-R35 kunye nomrhumo wokuseta wama-R100.
• Isicwangciso seKredithi esiJikelezayo (Revolving Credit Plan): Ungafumana imali esukela ku-R5 000 ukuya ku-R150 000 ngesi sicwangciso. Ayinaxesha limisiweyo, kwaye ungahlawula ngesantya sakho, kodwa kufuneka uhlawule ubuncinci obumisiweyo. Amanqanaba enzala ahluka-hluka (prime + 4%-6% ye-APR). Kukho umrhumo wonyaka wama-R200 kunye nomrhumo wokusetyenziswa wama-R50.
• Ikhadi leTyala (Credit Card): Unokufumana umda wekhadi letyala osukela ku-R5 000 ukuya ku-R300 000. Inzala ihamba nge-21%-27% ngonyaka kwimali ejikelezayo. Kukho umrhumo wonyaka osukela ku-R250 ukuya ku-R600 kunye nomrhumo wokuthengiselana phesheya kwe-2.5%.

IiMboleko zeShishini

• Imboleko yeXesha eliMisiweyo yeShishini kunye neMali ye-Asesi: Ezi mboleko zivumela ukuba uboleke phakathi kwe-R50 000 ne-R10 yezigidi, kwaye zihlawulwa phakathi kweenyanga ezili-12 nezili-60. Amanqanaba enzala ahamba nezinga eliphambili (prime) kunye ne-1%-3% eyongeziweyo. Iimpahla zokubambisa zingabandakanya izixhobo, ipropati, okanye imali efunyenweyo.
• Inkxaso-mali yeMali yokuSebenza (Working Capital Financing): Ikwabandakanya ii-overdraft facilities ukuya kuthi ga kwi-R5 yezigidi, nenzala ehamba nezinga eliphambili (prime) kunye ne-2%-4% eyongeziweyo.
• Inkxaso-mali yoRhwebo (Trade Finance): Ibandakanya iileta zekredithi, iziqinisekiso, kunye nenkxaso-mali yokungenisa nokuthumela ngaphandle.
• UkuThotywa kwe-Invoice kunye neNkxaso-mali yoKuthengiselana (Invoice Discounting & Supply Chain Finance): Inkxaso-mali ngokuchasene nemali efunyenweyo ngepesenti yokuthotywa kwe-1%-2%.

Inkqubo yeSicelo, iMfuno, kunye neTekhnoloji yeStandard Bank

Inkqubo yokufaka isicelo semboleko kwiStandard Bank yenzelwe ukuba ibe lula kwaye ifikeleleke, inikezela ngeendlela ezininzi zokufaka isicelo. Kungakhathaliseki ukuba ukhetha ukwenza ngedijithali okanye ngokwasemzimbeni, iStandard Bank iqinisekisa ukuba inkqubo icacile.

Indlela yokuFaka isicelo kunye neMfuno

Abathengi banokufaka izicelo ngeendlela zedijithali nge-SmartBank App (efumaneka kwi-iOS ne-Android) okanye nge-Online Banking. Kwabo bakhetha indlela yesintu, kukho amasebe angaphezu kwama-600 kwilizwe lonke apho unokufaka khona isicelo. Iimfuno eziqhelekileyo ziquka:

• Ikhadi lesazisi saseMzantsi Afrika.
• Ubungqina bendawo yokuhlala (engadlulanga kwiinyanga ezi-3).
• Isiliphu somvuzo.
• Iingxelo zebhanki zeenyanga ezi-3 zokugqibela.

Ibhanki isebenzisa ukuqinisekiswa kobuni bomntu okuzenzekelayo kunye nokuqinisekiswa kwedilesi, kunye nokujonga okucokisekileyo kwabantu abafuna imali eninzi. Ukulinganisa amanqaku etyala nokuvavanya ukukwazi ukuhlawula kubandakanya ukuhlalutya ingeniso, iindleko, kunye neembopheleleko ezikhoyo. Kukho uphononongo olwenziwa ngesandla kwizicelo ezixabisa kakhulu okanye ezingaqhelekanga.

Ukuhlawulwa kweMali kunye nokuQokelelwa

Emva kokuba isicelo sakho sivunyiwe, imali ihlawulwa ngokuphandle nge-EFT kwiakhawunti yakho yokuqokelela imali okanye ungayithatha ngemali kumasebe ebhanki. Ukuqokelelwa kwentlawulo kwenziwa nge-debit order, intlawulo yekhadi letyala, okanye iintlawulo ezenziwa ngesandla. Ukuhlawula emva kwexesha kubandakanya inzala yesohlwayo (prime + 6%) kunye nomrhumo wolawulo wama-R150. Kukho inkqubo ecwangcisiweyo yokubuyisa imali enezikhumbuzo, izaziso zomthetho, kunye nokuqokelelwa kwangaphandle kwabantu abangahlawulanga ngaphezu kweentsuku ezingama-90.

ITekhnoloji kunye noKufikeleleka

I-SmartBank App yeStandard Bank ifumene amanqaku aphezulu, nge-4.6★ kwi-iOS kunye ne-4.2★ kwi-Android, ibonelela ngeenkonzo ezinje ngoguqulo lwemali, intlawulo yamatyala, ulawulo lwemboleko, kunye notyalo-mali. Iwebhusayithi yebhanki inikezela ngeenkonzo zokuthengiselana kunye neengcebiso. Ngeesebe ezingaphezu kwama-600 kunye nee-ATM ezingaphezu kwama-2 000 kwilizwe lonke, iStandard Bank ineendawo zokusebenzela ezibanzi. Inabathengi abangaphezu kwezigidi ezili-12 abasebenzayo, kuquka abangaphezu kwama-460 000 amashishini amancinci, apho i-84% isebenzisa iinkonzo zedijithali.

Ulawulo, Indawo yeStandard Bank eMarenini, kunye noKhuphiswano

IStandard Bank ingumdlali okhokelayo kushishino lwezebhanki eMzantsi Afrika, kwaye oku kungenxa yolawulo oluqinileyo, isikhundla esomeleleyo emarenini, kunye nokukwazi kwayo ukwahluka kubakhuphisani. Ukuhambelana nemigaqo-nkqubo kubalulekile ekusebenzeni kwayo.

Isimo soLawulo kunye neeLaysensi

IStandard Bank inelayisenisi yi-South African Reserve Bank kwaye ilawulwa yi-FSCA (ngeendlela zokuziphatha), i-NCR (ngekredithi), kunye ne-FIC (nge-AML). Le bhanki ihambelana ngokungqongqo ne-Banks Act, i-National Credit Act, kunye nemigaqo-nkqubo ye-POPIA yokukhuselwa kwedatha. Ayikhange ihlawuliswe izohlwayo ezinkulu zolawulo kule minyaka mi-5 idlulileyo, nto leyo ebonisa ukuzinikela kwayo ekusebenzeni ngendlela efanelekileyo. Ikwabonelela ngenkxaso yokubonisana ngezityalo-mali kunye nokukhuselwa kwabathengi ngeendlela ezicacileyo zokubhengeza iindleko.

Isabelo seMarike kunye nabaKhuphisana

IStandard Bank inesabelo esikhulu semarike, ikhokela kwiindawo ezininzi: i-34% kwiimboleko zezindlu, i-27% kwinkxaso-mali yezindlu eziqikelelekayo, kwaye ikwangunombolo 1 kwinkxaso-mali ye-asethi nakwikredithi yabathengi. Abakhuphisana bayo abakhulu eMzantsi Afrika baquka i-FNB, i-ABSA, i-Nedbank, kunye ne-Capitec. Nangona kunjalo, iStandard Bank iyahluka ngenethiwekhi yayo ebanzi e-Afrika (kumazwe angaphezu kwama-20), ubuchule bedijithali, kunye neenkqubo zokuxhasa amashishini amancinci naphakathi. Izicwangciso zayo zokukhula zibandakanya ukwandisa iiplatifomu zedijithali, iimveliso zemali eluhlaza, kunye nokusebenzisana namaqabane anje nge-IFC kunye neenkampani ze-telecom ukuze kuqukwe abantu abaninzi kwinkqubo yezezimali.

Amava aBathengi kunye neNgcebiso eLusebenzelo kubo Abafuna ukuBoleka

Ukuqonda amava abathengi kunye nokunika ingcebiso eluncedo kubalulekile ukuze umntu akwazi ukwenza izigqibo ezifanelekileyo malunga nokuboleka imali kwiStandard Bank. Njengengcali kwezemali, kubalulekile ukuba ujonge zombini izinto ezintle nezimbi.

Ukuphononongwa kwaBathengi kunye neZikhalazo eziQhelekileyo

Ukuphononongwa kwaBathengi kwiStandard Bank kuxutywe. Kwi-Trustpilot, ibhanki ifumene amanqaku angama-1.9★ (ngokuphononongwa okungama-288), apho abathengi bekhankanya iingxaki ze-app, ukulibaziseka kweenkonzo, kunye neengxabano zeefizi. Nangona kunjalo, kukho nokukhankanywa okuhle malunga nobungcali babasebenzi basesebeni. Izikhalazo eziqhelekileyo ziquka ukuphazamiseka kweplatifomu yeselula, ukucotha kokusombulula iingxabano, kunye nobunzima bojongano olutsha lwebhanki yamashishini. Nangona kunjalo, iStandard Bank ibonelela ngenkonzo yefowuni engama-24/7, ii-chatbot, kunye nenkxaso kwiindawo zentlalo.

Ingcebiso eLusebenzelo kubo Abafuna ukuBoleka

Ukuba ucinga ukuboleka imali kwiStandard Bank, nazi iingcebiso ezibalulekileyo eziza kukunceda wenze isigqibo esinolwazi:

1. Jonga Amanqaku Akho eTyala (Credit Score): Ngaphambi kokufaka isicelo, qinisekisa ukuba uyawazi amanqaku akho etyala. Amanqaku aphezulu aya kukonyusa amathuba okuba uvunywe kwaye ufumane amanqanaba enzala angcono. IStandard Bank isebenzisa amanqaku etyala ukumisela umngcipheko.
2. Thelekisa Amanqanaba eNzala kunye neMigaqo: Musa ukuboleka kwindawo yokuqala. Thelekisa amanqanaba enzala, iifizi, kunye nemiqathango yentlawulo ebonelelwa yiStandard Bank kunye nabakhuphisana bayo abafana ne-FNB, ABSA, Nedbank, kunye ne-Capitec. Oku kuya kukunceda ufumane isivumelwano esifanelekileyo kuwe.
3. Qonda Zonke Iifizi: Funda ngokucokisekileyo imiqathango ukuze uqonde zonke iifizi ezibandakanyekayo, njengemali yokuqalisa, iifizi zenkonzo zenyanga, kunye nezohlwayo zokuhlawula emva kwexesha. IStandard Bank icacisa ezi zifizi ngokucacileyo, kodwa kubalulekile ukuba uziqonde ngokupheleleyo.
4. Hlola Ukukwazi Kwakho ukuHlawula: Ngaphambi kokuba uboleke, qinisekisa ukuba uza kukwazi ukuhlawula imali ebolekiweyo kunye nenzala ngaphandle kokuxinana kwezezimali. Sebenzisa izixhobo zokubala zemali kwiwebhusayithi yeStandard Bank ukulinganisa iintlawulo zakho zenyanga.
5. Sebenzisa i-SmartBank App: Ukuba uboleka, sebenzisa i-SmartBank App ukulawula imboleko yakho, ukujonga iintlawulo, kunye nokwenza iintlawulo. I-app inikezela ngeempawu ezininzi ezenza kube lula ukulawula izityalo-mali zakho.
6. Boleka Ngokuxanduva: Imboleko kufuneka isetyenziswe kwiimfuno ezibalulekileyo okanye utyalo-mali oluyingenelo, hayi kwiindleko ezingabalulekanga. Boleka kuphela oko ukudingayo noko ungakwazi ukuhlawula.

IStandard Bank ihlala iliqhinga elinamandla kushishino lwezebhanki eMzantsi Afrika. Ngokunikela ngeemveliso ezibanzi, ulawulo olomeleleyo, kunye nokuzibophelela kubuchule bedijithali, iqinisekisa indawo yayo njengenkokeli. Abafuna ukuboleka bangazuza kakhulu kwiinkonzo zayo ukuba bayazazi kwaye bayilandele ingcebiso ebalulekileyo.