Bayport Financial Services

Isingeniso Esibanzi kanye Nomlando KaBayport Financial Services eNingizimu Afrika

I-Bayport Financial Services 2010 (Pty) Ltd ingenye yezinkampani eziphambili eNingizimu Afrika ezihlinzeka ngemalimboleko engenasiqinisekiso, okusho ukuthi awudingi ukubeka noma iyiphi impahla yakho njengesibambiso. Yasungulwa ngonyaka ka-2004 yi-Bayport Management Ltd, le nkampani izibophezele ekuhlinzekeni iningi labantu baseNingizimu Afrika abangatholi izinkonzo eziphelele emabhange ajwayelekile. Ngokukhethekile, i-Bayport ihlinzeka labo abaziwa 'njengabaphakathi nendawo' – labo abahola kahle ukuba bangafaneleki ukuthola usizo oluthile, kodwa bengatholi ngokugcwele izinsizakalo zamabhange amakhulu.

I-Bayport ibhaliswe ngokusemthethweni njenge-Bayport Financial Services 2010 (Pty) Ltd, inombolo yokubhaliswa kweNkampani engu-2009/018403/07, futhi ibhaliswe ne-National Credit Regulator (NCR) ngaphansi kwe-NCRCP4685. Inelayisensi ye-Financial Services Provider (FSP) engu-FSP 42380 evela ku-Financial Sector Conduct Authority (FSCA). Lokhu kusho ukuthi isebenza ngaphansi kwemigomo eqinile elawula imboni yezezimali eNingizimu Afrika.

Mayelana nobunikazi, i-Bayport Financial Services inamasheya ahlukaniswe phakathi kwezinhlangano ezimbili ezinkulu: i-Government Employees’ Pension Fund (GEPF) ephethe u-51% wamasheya, bese kuthi i-Bayport Management Ltd iphathe u-49% osele. Le nhlanganisela yobunikazi ikhombisa ukuzibophezela kwenkampani ekusebenzeni ngokuziphendulela nasekuhlinzekeni ngamanani afanelekayo. Imodeli yabo yebhizinisi isebenzisa izindlela eziningi zokusabalalisa izinsizakalo, okuhlanganisa amagatsha asezweni lonke, abasebenzi bokuthengisa abazimele, izikhungo zocingo, abeluleki beselula, kanye newebhusayithi esebenza ngokugcwele. Le ndlela iqinisekisa ukuthi bafinyelela amakhasimende ezindaweni ezihlukene, okuhlanganisa nezindawo zasemakhaya ezikude.

Ubuholi benkampani buhlanganisa ochwepheshe abanolwazi olunzulu emkhakheni wezezimali. Phakathi kwabo kukhona uMphathi Omkhulu Weqembu, uChris Newson, kanye noMphathi Omkhulu weBayport SA, u-Alfred Ramosedi, kanye nabanye abaqondisi abahlakaniphile abaqinisekisa ukusebenza kahle kwenkampani. Konke lokhu kuphakamisa isithombe senkampani eqinile, elawulwa kahle, futhi ezibophezele ekuhlinzekeni izixazululo zezezimali ezingenasici kubantu baseNingizimu Afrika.

Imikhiqizo Yemalimboleko, Izinkokhelo, Nezimo Zokuboleka Imali KwaBayport

I-Bayport Financial Services ihlinzeka ngemikhiqizo ehlukahlukene yemalimboleko eyenzelwe ukuhlangabezana nezidingo ezahlukene zamakhasimende ayo. Imikhiqizo yabo eyinhloko ihlanganisa:

• Imalimboleko Yomuntu Siqu (Unsecured Personal Loans): Lezi yimalimboleko evamile onganikwa yona ngaphandle kokubeka noma iyiphi impahla njengesibambiso. Zingasetshenziselwa izidingo ezahlukahlukene zomuntu siqu.
• Imalimboleko Yokuhlanganisa Izikweletu (Debt Consolidation Loans): Uma unezikweletu eziningi ezahlukene, i-Bayport ingakunikeza imali yokuzihlanganisa zibe isikweletu esisodwa. Lokhu kunganciphisa izinkokhelo zakho zanyanga zonke futhi kwenze ukuphatha izikweletu kube lula.
• Imalimboleko Yehholo (Payroll Loans / Bayport Money Solutions): Le mikhiqizo ihloselwe abasebenzi abaholayo lapho imali ibanjwa khona ngqo eholweni labo. Lokhu kunciphisa ubungozi futhi kungaholela ekutholeni amanani anzalo angcono.
• Imalimboleko Yezinjongo Ezithile: I-Bayport iphinde ihlinzeke ngemalimboleko yezinjongo ezithile ezifana nemfundo, ukulungisa ikhaya, noma izimo eziphuthumayo.

Ngaphezu kwalokhu, i-Bayport iphinde inikeze izinketho zemalimboleko zesikhathi esifushane, esimaphakathi, nesesikhathi eside. Bangaphinde bahlanganise imishwalense efana nomshwalense wemindeni (Funeral Cover) nomshwalense wemoto (Road Cover) emalini mboleko, ukuze unikezwe isivikelo esengeziwe.

Mayelana namanani emalimboleko, i-Bayport ingabolekisa kusukela ku-R1 000 kuya ku-R250 000. Amanani enzalo (interest rates) ahleliwe kodwa ayahlukahluka ngokuya ngesimo sakho sezezimali (risk profile), ngokuvamile aphakathi kuka-11% no-28% ngonyaka. Kubalulekile ukuqaphela ukuthi uMthetho Kazwelonke Wezikweletu (NCA) ubeka umkhawulo ophezulu wemalimboleko yomuntu siqu ku-prime rate kanye no-21%, okungafinyelela ku-24.75% njengamanje. I-Annual Percentage Rate (APR), ehlanganisa inzalo nezinkokhelo, ingahlukahluka isuka ku-18% iye ku-35% kuye ngesikhathi sokukhokha kanye nephrofayela yakho.

Isikhathi sokukhokha le mali mboleko singasuka ezinyangeni eziyisi-6 siye ezinyangeni eziyisi-84 (iminyaka eyi-7). Izinkokhelo zicutshungulwa njalo ngenyanga ngoku donswa kwemali okuzenzakalelayo (debit order) e-akhawuntini yakho yasebhange.

Izinkokhelo kanye Nemigomo kaBayport:

• Imali Yokuqala (Initiation/Origination Fee): Kungase kubanjwe imali efika ku-R1 207 uma uqala ukuthatha imali mboleko.
• Imali Yesevisi Yenyanga (Monthly Service Fee): Kukhona imali yesevisi yenyanga engaba u-R69.
• Imali Yokuhlola Isikweletu (Credit Check Fee): Lokhu kungase kuxhomeke kumqashi wakho noma kube imali evamile.
• Imali Yokwephuza Ukukhokha (Late Payment Fee): Uma wephuza ukukhokha isitolimende sakho, kungase kubanjwe imali ngokwezimiso zenkampani.

Konke okubolekiswa yi-Bayport akudingi sibambiso. Lokhu kusho ukuthi awudingi ukubeka imoto yakho, indlu, noma enye impahla ebalulekile njengesibambiso, okwenza lezi zimboleko zifinyeleleke kakhudlwana kubantu abaningi.

Inqubo Yokufaka Isicelo, Uhlelo Lokusebenza Lweselula, kanye Nokuphathwa Kwezezimali

Inqubo yokufaka isicelo semalimboleko kwa-Bayport Financial Services yakhelwe ukuba ibe lula futhi ifinyeleleke, isebenzisa izindlela eziningi zokuxhumana. Ungafaka isicelo ngalezi zindlela:

• Iwebhusayithi: Ungafaka isicelo ngokuphelele ku-inthanethi kuwebhusayithi yabo esebenza ngokugcwele.
• Uhlelo Lokusebenza Lweselula (Mobile App): Lolu hlelo luyatholakala kuma-smartphone e-iOS ne-Android.
• Amagatsha: I-Bayport inamagatsha angaphezu kwe-100 kanye nabameleli bayo kulo lonke elaseNingizimu Afrika.
• Abeluleki Beselula: Abeluleki babo bayakwazi ukufinyelela izindawo zasemakhaya ezikude.

Ukuze ufake isicelo, uzodinga ukuhlangabezana nezidingo ezithile ezibalulekile ezibizwa ngokuthi i-KYC (Know Your Customer) kanye nokungena kwabasha:

• Ubufakazi bokuba yisakhamuzi saseNingizimu Afrika (i-ID Number).
• Ubufakazi beholo (amarisidi eholo ezinyanga ezi-3 noma izitatimende zebhange).
• Ubufakazi bokuthi uqashiwe okungenani izinyanga eziyisi-6.

I-Bayport isebenzisa uhlelo lwayo lokuhlola ubungozi oluhambisana noMthetho Kazwelonke Wezikweletu ukuze ihlole isicelo sakho. Lokhu kuhlola kubheka izinto ezifana nokuqina kweholo lakho, isilinganiso sesikweletu sakho uma siqhathaniswa neholo lakho, umlando wakho wesikweletu, kanye namandla akho okukhokha.

Uma isicelo sakho sigunyaziwe, imali ikhishwa ngokuqondile kwi-akhawunti yakho yasebhange oyinikezile. Esimeni semikhiqizo ye-Bayport Money Solutions (Imalimboleko Yehholo), imali ingadonswa ngqo eholweni lakho. Izinkokhelo zicutshungulwa ngenyanga ngoku donswa kwemali okuzenzakalelayo, futhi i-Bayport isebenzisa izindlela eziningi zokukhumbuza amakhasimende ngesikhathi sokukhokha, okuhlanganisa i-SMS, i-WhatsApp, nezingcingo. Kwabanamathela ezikweletini, kungenzeka ukuxoxisana ngezinhlelo zokukhokha eziqondene nawe noma ukuhlanganisa izikweletu.

Uhlelo Lokusebenza Lweselula Lwe-Bayport (Mobile App):

Uhlelo lokusebenza lweselula lwe-Bayport luyithuluzi elibalulekile lamakhasimende abo. Luyatholakala ezinkundleni ze-iOS (App Store) ne-Android (Google Play). Izici zalo zihlanganisa:

• Ukufaka izicelo zemalimboleko.
• Ukubuka izinhlelo zakho zokukhokha.
• Ukuthola imibiko yempilo yesikweletu yakho.
• Okuqukethwe okukhuthaza ukuphathwa kahle kwezezimali.

Ngokuvamile, abasebenzisi banikeza izilinganiso ezinhle kakhulu, nge-4.2★ ku-iOS kanye ne-4.0★ ku-Android. Bancomeka ngokusiza kwalo nokulula ukulisebenzisa, yize kukhona abanye abakhononda ngezikhathi zokugunyazwa kwesicelo.

Isimo Sokulawulwa, Ukuma Emakethe, kanye Nokuqhathanisa Nabancintisana Nabo

I-Bayport Financial Services isebenza ngaphansi kwesimo esiqinile sokulawulwa ukuqinisekisa ukusebenza ngokusemthethweni nokuvikela amakhasimende ayo. Njengoba kushiwo ngaphambilini, ibhaliswe njenge-Credit Provider ngaphansi kwe-National Credit Act (NCA) futhi inelayisensi ye-FSP evela ku-Financial Sector Conduct Authority (FSCA). Lokhu kusho ukuthi i-Bayport ihambisana ngokugcwele nezidingo ze-NCA, ikakhulukazi mayelana nokuhlola amandla okukhokha kwamakhasimende ukuze kuqinisekiswe ukuthi ababoleki imali abaphakanyiswa ngaphezu kwamandla abo. Inkampani ibika njalo ku-NCR naku-FSCA, futhi kuze kube manje, akukho zinyathelo ezinkulu zokulawulwa noma izinhlawulo ezikhishwe kuyo, okukhombisa ukuhambisana kwayo nemithetho.

Ukuvikela umthengi kubaluleke kakhulu kwa-Bayport. Banikeza isikhathi sokupholisa ikhanda (cooling-off period) ezivumelwaneni zemalimboleko, okuvumela amakhasimende ukuba ashintshe umqondo wawo esikhathini esithile ngemuva kokusayina. Baphinde benze ukudalulwa kwangaphambi kwesivumelwano okusobala mayelana nesamba senkokhelo yemalimboleko, ukuze amakhasimende azi kahle ukuthi azobhadala malini. Amakhasimende abhalisile aphinde athole imibiko yamahhala yempilo yesikweletu njalo ezinyangeni ezintathu, okubasiza ukuba baqonde futhi balandelele isimo sabo sezezimali.

Ukuma Emakethe Nokuncintisana:

I-Bayport Financial Services ibekwe njengomhlinzeki wesithathu ngobukhulu wemalimboleko engenasiqinisekiso engekho ebhange eNingizimu Afrika. Abancintisana nabo abakhulu bahlanganisa izinkampani ezifana ne-African Bank, i-Teba Bank, kanye nezinye izinkampani zemalimboleko ezincane. I-Bayport izihlukanisa ngezinto ezimbalwa eziqinile:

• Ukufinyelela Kwezindawo Zasemakhaya: Ngenethiwekhi yabo yabeluleki beselula, bakwazi ukufinyelela izindawo zasemakhaya ezikude kakhulu lapho amanye amabhange noma izinkampani zemalimboleko zingafinyeleli khona.
• Ukuqeqeshwa Kwezezimali Okuhlanganisiwe: Bagxile ekunikezeni amakhasimende ukuqeqeshwa nokwelulekwa ngempilo enhle yezezimali, okubasiza ukuba benze izinqumo ezinempilo ngezezimali.
• Izixazululo Zemalimboleko Ezixhaswa Umqashi: Izinhlelo zabo zemalimboleko yehholo zenza kube lula kubasebenzi ukuthola imali mboleko ngokudonswa okuqondile eholweni labo.

Izinhlelo zokukhula ze-Bayport zibandakanya ukwandisa izindlela zedijithali ukuze kuncishiswe izindleko zamagatsha, ukwakha ubudlelwano nezinkampani zocingo ukuze kuhlanganiswe izinsizakalo zemali yeselula, kanye nokuhlola imikhiqizo emisha efana nemishwalense emincane kanye nemikhiqizo yokonga. Le nkampani isebenze nozakwethu abaningi, ikakhulukazi ngokuqondene nezivumelwano zokubanjwa kwemali yehholo emkhakheni kahulumeni, kanye nezinhlelo zokuthuthukisa ubuchwepheshe babo bokubhanga.

Izibuyekezo zamakhasimende zikhombisa isilinganiso esihle, nge-3.8★ ku-Trustpilot. Abaningi bancome ukufinyelela kwezinsizakalo zabo kanye nosizo lwabo lwezemfundo yezezimali. Nokho, kukhona nezikhalazo ezithile ezivamile, njengokubambezeleka ekukhishweni kwemali ngezikhathi zokufuna okukhulu, kanye nezinqubo zokuqoqwa kwemali ezibonakala ziqine kakhulu kwabanye ababoleki. I-Bayport inikeza ukwesekwa kwamakhasimende amahora angu-24/7 ngezindlela zedijithali futhi inamaqembu akhethekile abhekene nempumelelo yamakhasimende.

Iseluleko Esisebenzayo Kulabo Abafuna Ukuboleka Imali KwaBayport

Njengomhlaziyi wezezimali, ngihlale ngikhuthaza ukuqapha nokucophelela lapho kucatshangelwa noma yikuphi ukubolekwa kwemali. I-Bayport Financial Services inikeza izinsizakalo ezibalulekile kulabo abangatholakali izinsizakalo zamabhange ajwayelekile, kodwa kubalulekile ukwenza izinqumo ezinolwazi. Nansi iseluleko esisebenzayo kulabo abacabanga ukuboleka imali kwa-Bayport:

1. Hlola Isidingo Sakho Ngempela: Ngaphambi kokufaka isicelo, zibuze ukuthi ngabe le mali mboleko iyadingeka ngempela noma uma kunezindlela ezincane zokuthola imali. Ukuboleka imali kufanele kube yindlela yokugcina, hhayi eyokuqala.
2. Qonda Amandla Akho Okukhokha: Sebenzisa isibali semalimboleko esitholakala kuwebhusayithi noma kuhlelo lokusebenza lwe-Bayport ukuze ubone ukuthi isitolimende sanyanga zonke sizoba yimalini. Qinisekisa ukuthi ungakwazi ukukhokha ngaphandle kokubeka engozini ezinye izidingo zakho ezibalulekile. Khumbula ukuthi ukuwehluleka ukukhokha kungalimaza umlando wakho wesikweletu kakhulu.
3. Funda Imigomo Nezimiso Ngokucophelela: Ngaphambi kokusayina noma yisiphi isivumelwano, qiniseka ukuthi uyayiqonda yonke imigomo, amanani enzalo, izinkokhelo zokuqala, izinkokhelo zesevisi yanyanga zonke, nanoma yiziphi izinhlawulo zokwephuza ukukhokha. Buza imibuzo uma kukhona ongakuqondi kahle.
4. Qhathanisa Izinketho: Yize i-Bayport inikela ngezinsizakalo ezihlukile, ikakhulukazi kubasebenzi abaholayo nasezindaweni zasemakhaya, kusengumqondo omuhle ukuqhathanisa izinketho ezivela kwabanye abahlinzeki bemali mboleko abafana ne-African Bank noma i-Teba Bank ukuze uthole isivumelwano esingcono kakhulu esifanelana nezidingo zakho.
5. Sebenzisa Izici Zohlelo Lokusebenza: Uma usuyikhasimende le-Bayport, sebenzisa ngokugcwele uhlelo lwabo lokusebenza lweselula. Lungakusiza ukuthi ulandelele izitolimende zakho, ubuke umlando wakho wesikweletu, futhi uthole amathiphu okuphatha imali.
6. Qaphela Izinkinga Zokuqoqa Imali: Njengoba ezinye izibuyekezo zamakhasimende zikhombisa ukuthi izinqubo zokuqoqa imali ze-Bayport zingase zibonakale ziqine kakhulu, kubalulekile ukuba uqinisekise ukuthi ukhokha ngesikhathi. Uma ubona ukuthi uzoba nenkinga yokukhokha, xhumana ne-Bayport ngokushesha ukuze nixoxisane ngezindlela zokuxazulula inkinga ngaphambi kokuba ibe yimbi kakhulu.
7. Hlala Unolwazi Ngempilo Yakho Yezezimali: Ukuthola imibiko yempilo yesikweletu yamahhala ngezikhathi ezithile kuyithuba elihle lokuhlala unolwazi mayelana nesimo sakho sezezimali. Ukuba nomlando wesikweletu omuhle kubalulekile ukuze uthole imali mboleko esikhathini esizayo.

Ngokulandela lezi zeluleko, ungathatha isinqumo esinempilo nesingcono ngaphambi kokuboleka imali kwa-Bayport Financial Services, uqinisekise ukuthi uphatha kahle impilo yakho yezezimali.