11/28/2023

Esimeni esiguquguqukayo sezisombululo zezezimali, isidingo sezinqubo ezisheshiswayo kanye nokufinyelela okusheshayo kusikweletu kubangele izinhlelo ezintsha.Phakathi kwalokhu, "Uhlelo Olusheshayo Lokugunyazwa Kwemalimboleko Yesikweletu" lugqama njengesibani kulabo abafuna usizo lwezezimali ngokushesha.Lesi sihloko sidingida ama-nuances alolu hlelo, sinikeza imininingwane mayelana nezinqubo zalo, izinzuzo, nokucatshangelwa.

Ukuqonda Uhlelo Olusheshayo Lokugunyaza Imalimboleko Yesikweletu

**1.Ukuchaza Ukugunyazwa Kwemalimboleko Yesikweletu Esisheshayo:

• Uhlelo Olusheshayo Lokugunyaza Imalimboleko Yesikweletu luklanyelwe ukuhlehlisa futhi lusheshise inqubo yokugunyaza imalimboleko.
• Umgomo wayo oyinhloko uwukunikeza ababolekayo indlela esheshayo yokufinyelela isikweletu ngaphandle kwezikhathi zokulinda ezinde ezihlobene nokugunyazwa kwemali mboleko evamile.

2. Izici Ezibalulekile Zohlelo:

• Ukucutshungulwa Okusheshayo: Uhlelo lubeka phambili ukucutshungulwa okusheshayo kwezicelo zemalimboleko, kunciphisa kakhulu isikhathi esisithathayo ukuze kuvunywe.
• Amadokhumenti Amancane: Ababoleki bavame ukuhlomula ohlelweni lwemibhalo olwenziwe lula, olugxile olwazini olubalulekile ukuze luhlolwe ngokushesha.
• Amasistimu Azenzakalelayo: Ubuchwepheshe bokusebenzisa, izinhlelo eziningi zifaka amasistimu azenzakalelayo ukuze kuqinisekiswe ngokushesha nokwenza izinqumo.

Izinzuzo Zokukhetha Ukugunyazwa Kwemalimboleko Yekhredithi Yethrekhi Esheshayo

**1.Ukufinyelela Ngokushesha Izimali:

• Enye yezinzuzo eziyinhloko ukukhishwa kwezimali ngokushesha, okwenza ababolekayo bakwazi ukubhekana nezidingo eziphuthumayo zezimali ngaphandle kokulibala.

**2.Ukusebenza Ezimweni Eziphuthumayo:

• Ezimweni ezidinga ukunakwa kwezezimali ngokushesha, njengezimo eziphuthumayo zezokwelapha noma ukulungiswa okungalindelekile, uhlelo lubonakala lubalulekile.

**3.Amathuba Azwela Isikhathi:

• Ababoleki bangasebenzisa amathuba azwela isikhathi, njengokutshalwa kwezimali okunenzuzo noma ukuthenga okunesaphulelo, ngaphandle kokuphuthelwa ngenxa yokubambezeleka kokugunyazwa kwemali mboleko.

**4.Umuzwa Othuthukisiwe Wekhasimende:

• Inqubo esheshayo inikela ekwazisweni kwamakhasimende okuthuthukisiwe, ikhuthaza ukwaneliseka nokwethembeka phakathi kwababolekayo.

**5.Ukuvumelana nezimo kumibandela yokufaneleka:

• Ezinye izinhlelo zinikeza ukuguquguquka kumibandela yokufaneleka, ukuhlinzeka ngenani elibanzi labafakizicelo futhi zamukele labo abanamaphrofayili esikweletu ahlukahlukene.

Okucatshangelwayo Ngaphambi Kokukhetha Uhlelo

**1.Amanani enzalo:

• Hlola izilinganiso zenzalo ezihlotshaniswa nohlelo lokusheshisa.Nakuba isivinini sibalulekile, kubalulekile ukuqinisekisa ukuthi amanani ahlala encintisana.

**2.Imigomo Yokukhokha:

• Qonda imigomo yokukhokha.Nakuba kugxilwe ekufinyeleleni okusheshayo, ababoleki kufanele bakhululeke ngesakhiwo sokukhokha.

**3.Ukwethembeka Komboleki:

• Cwaninga futhi uqinisekise ukwethembeka kombolekisi onikeza uhlelo lokusheshisa.Qinisekisa ukuthi zihloniphekile futhi zihambisana nezinqubo zokuboleka ezilungile.

**4.Umthelela Kumphumela Wesikweletu:

• Buza ngomthelela ongaba khona kumphumela wakho wesikweletu.Nakuba lezi zinhlelo zakhelwe ukusebenza kahle, kubalulekile ukuqaphela noma yimiphi imiphumela emlandweni wakho wesikweletu.

Isiphetho

Uhlelo Lokugunyaza Imalimboleko Yesikweletu Esisheshayo lunikeza isixazululo esicindezelayo kulabo abafuna ukufinyelela ngokushesha ezinsizeni zezezimali.Noma ngabe ukuzulazula ezimeni eziphuthumayo, ukusebenzisa amathuba, noma ukuthuthukisa umuzwa wokuboleka usuwonke, lolu hlelo luhambisana nokulindelwe okusheshayo kwababolekayo banamuhla.Nokho, ukukhuthala okufanele ekuhloleni izilinganiso zenzalo, imigomo yokukhokha, kanye nokwethembeka kombolekisi kusabalulekile.Ngokwenza ibhalansi phakathi kwejubane nobuhlakani bezezimali, ababoleki bangakwazi ukusebenzisa izinzuzo zale ndlela entsha yokufinyelela isikweletu.

Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.