Iimpazamo ezi-6 zokuthintela xa usenza isicelo semali mboleko yokwakha ngo-2020

Ukuthatha imali mboleko yokwakha yindlela entle yokunciphisa uxinzelelo lwezezimali xa usakha; xa kuqhutywa uhlaziyo olukhulu; okanye xa usenza iiyunithi ezintsha zokuqeshisa ngokuhambelana nojoliso lwakho lwezezimali. 

Kwaye ngokungafaniyo nemali mboleko yezindlu;

• Iimali-mboleko zokwakha zizivumelwano zexeshana zokuxhasa ngemali.
• Banika ababoleki ngemali engaphambili yokuthenga umhlaba ukuze bakhe kuwo.
• Iimali-mboleko zokwakha azibohlwayi ababoleki ngenxa yokuhlawula kwangoko mboleko mboleko. 
• Ezi ntlobo zemboleko-mali ziya kukuhlawulisa inzala kuphela kwimali esetyenzisiweyo ngexesha lokwakha. 

Umzekelo, ukuba uvunyiwe nge-Ksh. 10,000,000 kunye neprojekthi yakho yokwakha iya kwiindleko zeKsh. 7,000,000 XNUMX XNUMX; inzala iya kuhlawuliswa kulomfanekiso wokugqibela.

Iimpazamo ezi-6 zokuPhepha xa ufaka isicelo semali mboleko yokwakha.

Xa ufaka isicelo solu hlobo lweemali mboleko, kukho ithuba lokuba uya kwenza impazamo enokuthi ikubize imvume yemali mboleko

Okanye wenze impazamo eya kwenza ukuba inkqubo yokuhlawula ibuhlungu kangaka ixesha elide emva kokuba iprojekthi yokwakha igqityiwe.

Ukuze ube kwicala elikhuselekileyo, qiniseka ukuba ufunda le post ukuya ekupheleni ukwazi iimpazamo ukuze uphephe kuyo yonke inkqubo yesicelo semali mboleko yokwakha.

1. Sukuzoba isiCwangciso seNdlu ngaphambi kokuVunywa kokuqala kweMali-mboleko yakho. 

Kulungile ukonwaba malunga nethemba lokubolekwa kwemali mboleko yakho. Kwaye kulungile ukufumana i-jittery kwaye ufuna ukwabelana ngesicwangciso sakho sendlu esitsha ku-Facebook naku-Instagram.

Kodwa akulunganga ukuba umyili wezobugcisa azobe iplani yendlu yakho ngaphambi kokuvunywa kwemali mboleko yakho yokwakha.

Ngoba?

Kungenxa yokuba ukuba uyilo lwakho luzobe isicwangciso esingaphaya kohlahlo-lwabiwo mali unokufumana ingxaki nombolekisi wakho xa bethumela umlinganisi ozimeleyo ngaphezulu kwaye amanqaku akho awahambelani.

Nokuba ibhanki iqhubeka nokuboleka imali ekuvunyelwene ngayo, uyakuziva incindi izama ukugubungela zonke iindleko ezipokothweni.

Emva koko ithini into enokuthi ithathe imali-mboleko yokwakha ibe yintoni ukuba uxinzelelo lusabuyela kuwe?

 2. Sukulahlekisa iGosa lakho leMali-mboleko.

Esinye sezizathu zokuba ukubuyisela imali-mboleko kube yinkqubo ebuhlungu kukuba abanye ababoleki bakhetha ukuxoka okanye ukulahlekisa amagosa emali-mboleko ukuba avunywe imali-mboleko; kunokuba uthethe inyani kwaye uvumele inkqubo ukuba ithathe isigqibo malunga nokuba yintoni ekufanele ukuyinika.

Ingxaki iseti xa emva kwenkxaso-mali yeprojekthi yakho ungenako ukwenza iintlawulo kwangexesha ngenxa yeengxaki zemali.

Oku mhlawumbi kukhokelela kwizohlwayo ezingeyomfuneko, ukungagqibeki rhoqo, kwaye ekugqibeleni; umbolekisi uthengisa ipropati yakho ukuze afumane imali yakhe.

Kwaye ukubuyisela ipropathi ebhankini ngumqobo omkhulu.

Awufuni ukwenza le nto kubantwana bakho?

Awufuni ukuba ngumninikhaya okomzuzu kwaye ungenakhaya kwimizuzwana embalwa elandelayo!

Nalu uluhlu lwezinto onokuthi uziphephe ukuqinisekisa ukuba awulilo ixhoba lokuthengiswa kwepropathi.

1. Nyaniseka kwigosa lakho lemali-mboleko ngexesha lenkqubo yokwenza isicelo.
2. Vumela umbolekisi akwamkele ngaphambi kokuba uqiniseke ukuba ungafikelela phi ukuze ukwazi ukucwangcisa ujikeleze elo nani.
3. Chaza ebhankini iinjongo zakho ngalo mhlaba. Ngaba uzimisele ukuyiqeshisa? Ngaba unqwenela ukuhlala kuyo? Ixesha elingakanani? Zonke ezi zinto zidlala indima ekuqinisekiseni ukuba ungafikelela kwimali mboleko yokwakha.

3. Musa ukulibala ukubuza malunga neNzala ehlawulweyo yeMali mboleko yokwakha.

Inzala yemali mboleko yokwakha inokudada okanye ilungiswe. 

Ngekhe uyazi ukuba loluphi ukhetho olulungileyo ukuba awuthethi nombolekisi wakho ngalo.

Imidla edadayo ibhekiselele kwinzala ephantsi esekelwe kutshintsho. Inzala ejikelezayo ingaba yi-9% namhlanje kunye ne-11% kunyaka ozayo. Okanye i-9% namhlanje kunye ne-7% kunyaka ozayo. Kunzima ukwenza uhlahlo lwabiwo-mali okanye ukulawula imali yakho ngolu khetho.

Inzala edadayo iya kuphakama okanye yehle ukuba kukho utshintsho kwiimarike zezemali.

Kwelinye icala, inzala engatshintshiyo ibhekisa kwinzala emileyo. Zihlala ziphezulu kunemilinganiselo edadayo kodwa kulula kakhulu ukucwangcisa iintlawulo zakho; babe nemingcipheko encinci kwaye abaphenjelelwa ziimeko zemarike.

Ukuthetha negosa lakho lemali mboleko malunga namaxabiso wenzala kunye nefom ofuna ukuba iirhafu zithathe kuthetha ukufumana esona sivumelwano.

Kwaye kuba indleko eseleyo yokwakha inokucocwa ngokuthatha imali mboleko yokubolekwa kwemali kwiprojekthi yokwakha egqityiweyo; Kuya kufuneka ubuze kwigosa lemali mboleko ukuba ngaba inzala iya kuhlala injalo emva kokuba imali-mboleko yokwakha ithathe ifom yobambiso.

Qinisekisa ukuba yonke into icacile ngaphambi kokuba uzibophelele kwinkqubo.

4. Sukuhlala kumbolekisi wokuqala ongena kuwo, ivenkile yeewindow ukuze ufumane iidili ezingcono. 

Kuba imali-mboleko yokwakha inzima kancinci kunemali mboleko yokubambisa, kulungile ukuba uthethe nababolekisi abohlukeneyo ngaphambi kokuthatha isigqibo sokuba uza kukhetha bani.

Ngoba?

Kuba: - 

1. Amanqanaba enzala aya kwahluka kumbolekisi.
2. Imali mboleko yokwakha yimali mboleko yexeshana kwaye bafuna isicwangciso sokuhlawula esiqinileyo kunye nokuthenga ngefestile kunokukukhokelela kumbolekisi oguqukayo. 
3. Ezi ntlobo zemboleko ngamanye amaxesha zihlawulwa ngokuthe ngqo kwikontraka endaweni yomboleki. Kodwa ukuba ufuna ukuba ihlawulwe kwiakhawunti yakho, awunayo enye inketho ngaphandle kokuthenga ngefestile kumbolekisi onobubele.

5. Sukuqesha nje usonkontileka, Qesha iKontraka eNgcono yeProjekthi yakho.

Xa uthatha imali-mboleko yokwakha, igama lokuba ukhetha liphi ikontraka likhawuleza okanye lilibazise ngenkqubo yokuvunywa kunye nenkxaso yendawo yakho.

Kungenxa yokuba bonke ababolekisi kufuneka bavunyelwe ngumbolekisi - ngaphambi kokuqala kweprojekthi yokwakha.

Le yinxalenye xa utyikitya ikhontrakthi yokwakha kunye nomakhi ugxininisa kuzo zombini uxanduva lwakho kunye neendleko zokwakha.

Uninzi lwababolekisi luya kuhlawula ikhontraktha yakho yokwakha ngqo.

Qiniseka ukuba wenza inkuthalo efanelekileyo kwicala lakho ukunqanda ukuqhathwa.

Ndiyathetha, ngubani owaziyo ukuba umakhi angayithatha imali kwaye angahlangani necala lakhe lesivumelwano. Eyona nto imbi kakhulu ukuba iza kucetyiswa nguwe ebhankini, ngubani ke omtyhola?

” umxholo = "isitayile6 ″]

Eyona Mali mboleko ilungileyo eKenya.

EKenya, oyena mntu ubolekisa ngemali mboleko yokwakha ziibhanki zorhwebo. Kwaye nangona bengebaninzi kangako, abambalwa abasesithubeni balungile ngokwaneleyo kwaye baya kukunceda ngeprojekthi yakho. 

Uluhlu lweeNkampani zeMali mboleko yeKhaya eKenya.

• Imali mboleko yokwakhiwa kweBhanki yoSapho.
• Imali-mboleko yebhanki yeshishini kunye neyokwakha. 
• Imali mboleko yokwakha yaseBarclays Kenya.
• IStanbic Bank yaseKenya Inkxaso mali. 
• Imali mboleko yokwakhiwa kweBhanki ye-NIC.
• Imali-mboleko yeBhanki kaZwelonke yaseKenya. 
• Ukudityaniswa kweBhanki yaseKenya yeMali mboleko yoLwakhiwo.
• Imali mboleko zeKCB zoRhwebo.
• IBhanki yoRhwebo yaseAfrika yeMalimboleko yoKwakha.

Imali-mboleko yokwakhiwa kweQela le-HF.

Iqela le-HF yeyona nkampani ibalaseleyo yemali mboleko yabemi baseKenya ukusukela nge1956.

Kwiintsuku zayo zokuqala, yayibambisene norhulumente kwipesenti yesabelo se-60% - iQela le-HF kunye ne-40% yi-GOK.

Emva kwexesha i-HFCK Group ye-HF yafumana zonke izabelo.

Iiprojekthi zoKwakha eziXhaswe liQela le-HF.

IQela leHF lixhase ngemali ukwakhiwa kweBuru Buru Estate – isigaba sokuqala nesesibini. Nganye yagqitywa ngama-926 kunye neeyunithi ezingama-625 ngokulandelelanayo.

Le nkampani ukusukela ngoko ixhase ngemali ezinye iiprojekthi ezinkulu kwilizwe liphela kwaye ngoku inika abanini-mhlaba ithuba lokuba babe namakhaya kunye neeyunithi zokuhlala ngeemali-mboleko zabo zokwakha izindlu.

Imali-mboleko yokwakhiwa kweQela le-HFC ikhutshwa ngqo kwikontraki. 

Iposi enomdla: -Mali mboleko engakhuselekanga eKenya.

Izidingo zeMali-mboleko yoLwakhiwo lweQela le-HF. 

• Kufuneka ungenise iSicwangciso soKwakha esiVunyiweyo. 
• Ngenisa ubungqina begalelo lakho.
• Ibhili yobungakanani.
• Isivumelwano sekhontrakthi-ungabacela iikontraka abaye bazamkela ngaphambili-ziya kuyikhawulezisa inkqubo. 
• Iiprofayili ze (Umphathi weProjekthi kunye okanye, uMyili wezoBunjineli, uPhononongo lobungakanani, uKontraka, iinjineli zoLwakhiwo).
• Ukhuseleko lobungcali loMyili kunye neinjineli.

Iimpawu zeMali-mboleko yokwakhiwa kweQela le-HF.

• Ukhuphukela kwi-90% yezemali ukuba uza kuhlala kwindlu eyakhiweyo. Ukuya kuthi ga kwiipesenti ezingama-70 zemali ukuba unenjongo yokuqeshisa iiyunithi.
• Uhlawula inzala kangangexesha leenyanga ezili-12 ngexesha lokwakha. 
• Ixesha lokuhlawula imali-mboleko yeminyaka engama-20 kubathengi abasebenzayo kunye neminyaka eli-10 kwii-SMEs.

Izibonelelo zeMali mboleko yoLwakhiwo lweQela leHF.

• Ufumana iinkonzo zokubeka iliso kulwakhiwo. 
• Inzala ihlawulwa kuphela ngexesha lokwakha. 
• Abathengi bafumana ukufikelela kwiqela lolawulo lolwakhiwo lwangaphakathi kwi-HFC.
• Imali-mboleko iya kuguqulelwa kwi-mortgage yexesha elide emva kokugqitywa kweprojekthi. 

Imirhumo kunye namaxabiso abandakanyekayo.

• Intlawulo yokuzibophelela ye-1.5%.
• Imali yokuxabisa emalunga ne-0.5%.
• Imirhumo yezomthetho emalunga ne-1-2%.

Unomdla kwiMali mboleko yoKwakha yeHFC?

Eyona Mali mboleko yokwakha eKhaya eMzantsi Afrika. 

Absa Isakhiwo semali mboleko yasekhaya.

Imali mboleko yokwakha yaseAbsa ikunceda uthenge umhlaba okanye wakhe iphupha lakho. Unokuthatha le mboleko yekhaya ukulungiselela ukulungiswa.

Iimpawu zeMali mboleko yaseKhaya yaseAbsa.

• Ukuhlawulwa kwenkqubela phambili kwenzelwa umsebenzi ogqityiweyo ngokwamanqanaba.
• Intlawulo iqala emva kweenyanga ezilithoba (9) zobhaliso lwebhondi.
• Inzala iya kutsalwa kwaye ifakwe njengenkunzi ukusuka kumhla wentlawulo yokuqala.
• I-Absa ibonelela ngokucebisana ngokucwangciswa kwezemali nomcebisi ofanelekileyo.

Iimfuneko zokuthatha iMali mboleko yaseKhaya yase-Absa.

• Ingeniso yenyanga enye okanye edibeneyo yenyanga yekhaya engama-R23 300 okanye ngaphezulu.
• Isazisi esisebenzayo, esinebhakhowudi saseMzantsi Afrika okanye ipaspoti ukubangumhlali waseMzantsi Afrika.
• Isithembiso sokuthenga (ukuba uthenga ipropathi okanye jonga kwiNkqubo yeMali mboleko yokwakha ukuba uyakha).
• Ingcebiso ngomvuzo wakho wamva nje (okanye ingxelo yengeniso xa uziqeshile).
• Nika imvume yeengxelo zebhanki zeenyanga ezintathu (3) ukuba ngaba ugcina i-First National Bank (FNB), i-Nedbank okanye i-Standard Bank, kungenjalo unikezele ngeengxelo zebhanki zeenyanga ezintathu (3)
• Isatifikethi sokuBhaliswa kwaBakhi be-NHBRC.
• Ukurhoxiswa okusayiniweyo kwaBakhi be Lien (ifom ye-Absa 1295BX).
• Ishedyuli yethenda kunye nokugqitywa.
• Ubuncinci bezinto ezichaziweyo (ifom ye-Absa 1284EX).
• Izicwangciso ezingeniswe ukuze zivunywe (imizobo esebenzayo) nemilinganiselo, okanye 
• Isicwangciso esivunywe ngumasipala.
• Sigqibe ngokupheleleyo isivumelwano semvumelwano sokwakha.
• Abakhi bonke iinshurensi yomngcipheko. 

Unomdla kwiMali mboleko yaseKhaya yaseAbsa?

” umxholo = "isitayile6 ″]

Fumana iMali mboleko engaphezulu.

• Ukubolekwa kwemali-mboleko kusetyenziswa iikhowudi zase-USSD | Inketho kwiNkqubo yeMali mboleko.
• I-NIC Bank iqalisa ukubolekwa kwemali kwangoko eKenya Ngaphandle kokhuseleko.
• I-App yethu yeLimboleko yeMoto esheshayo (eKhatywayo) yaseKenya kunye nendlela yokuFikelela.
• UkuGqibela ukuTshintshela iMali kwi-Intanethi kunye neeNkonzo zeMali mboleko ukuKuhlawula ukuba ubhekise kuMhlobo.
• Iindlela ezi-9 ezilula zokuKhulisa i-Ksh. I-100,000 engaphantsi kweVeki.
• Sebenzisa iKhowudi ye-USSD yokufumana iMali mboleko yeMoto ekhawulezileyo evela kwi-Okoa Mia.
• Ungayihlawuli njani iMali mboleko yeTala kwaye usaLungela iMali eninzi ngeMida ePhakamileyo.
• Iimpazamo ezi-6 zokuthintela xa usenza isicelo semali mboleko yokwakha ngonyaka ka-2019.
• Ungayifumana njani iMali mboleko yePhondo kwangoko ngaphandle kweCollateral eNigeria.
• Imali mboleko engakhuselekanga: Fumana iMali mboleko yasekuseni ngaphandle kokhuseleko eKenya.

Imakwe Nge : Imali mboleko yokwakha • IiRhafu zeMali yoKwakha • Imali yezindlu