Ukuqala ishishini lokuBoleka e-Kenya.

Kuya kufuneka ukuba uzifumanise, kwezinye iimeko, kwimeko apho wawufuna ngokungxamisekileyo imali ngendlela yemali mboleko.

Okwalo mzuzu, awunakukwazi ukuya ebhankini kuba mhlawumbi unemali mboleko esele ikho, ubuye wasilela kwimali mboleko, kwaye kwimeko egqithisileyo, kudweliswe kwiCRB.

Ukudweliswa kwiCRB kwakuthetha ukuba awunakho ukuqhagamshelana nalo naliphi na elinye iziko lezemali, ushiye ibhanki yakho wedwa, ngayo nayiphi na imali mboleko.

Ababolekisi abahambahambayo kunye neeNkqubo azinakunceda kuba usadweliswe kwiCRB.

Ndisenomdla wokwazi ukuba uhambe njani malunga nobunzima.

Uyabona kwalemeko wawukuyo ngalamini? Ikwayimeko efanayo uninzi lwamaKenya azifumana ekulo xa efuna iimali mboleko. 

Into enomdla kukuba, ekuphela kwendlela onokoyisa ngayo le mfuno yezemali kukuba nomntu ozimisele ukukuboleka imali ngaphandle kokujonga imbali yakho yamatyala.

Kuba masijongane nayo ukuba akukho ziko lemali elikulungeleyo ukuboleka imali eKenya, ngubani onako? Ngokuqinisekileyo i-shylock!

Uya kufuna isibambiso mhlawumbi sakho Umabonwakude, ifriji, okanye imicrowave… Nantoni na enexabiso lemali ukufumana ezi mboleko-mali.

Oku kubizwa ngokuba liShishini lokuBoleka kwaBucala.

Eli shishini likhule kakhulu eKenya kangangokuba ngoku lelinye lamashishini anengeniso eKenya kwi2024.

Ukuba unesixa esikhulu semali esilele ebhankini njengedipozithi, ungaqala ishishini lokuBoleka kwaBucala ukuze ufumane inzala kuyo.

Kukho iinyani ezinzulu ekuya kufuneka uziqonde malunga neli shishini nangona kunjalo. Kungenxa yokuba kukho indawo engwevu ngeenxa zonke kuyo.

Enye yezo ndawo zingwevu ngumbuzo wokuba ngaba ukubolekwa ngasese (ishishini le-shylock) kusemthethweni. Masiqhubeke kwaye sifumanise.

Uliqala njani ishishini lokuBolekisa labucala eKenya (Indawo).

Ezona mfuno zicinezelayo zemali ezinokufuna ungenelelo loMboleki waBucala azibuyi kwi- reserves.

Balapha edolophini, apho yonke into ikhonkxiwe kumandla akho emali ngaphandle komoya ophefumlayo.

Ishishini lakho lokuBoleka ngasese liya kukhula ngcono esixekweni okanye kwindawo esezidolophini kuneendawo zasemaphandleni.

Ukubolekwa kwabucala kweShishini eKenya (iimfuno).

Nazi izinto ezinyanzelekileyo ukuba ziphumelele kuShishino lwaBucala lokuBoleka: -

1. Chonga isidingo semali mboleko yabucala -Sukuqhubeka nje uboleka imali kubantu abanokuthi bangakhange bafune ungenelelo lwakho. Eli lishishini kwaye kufuneka uqale uchonge umsantsa osetyenziswayo. Abantu baya kuhlala beneemfuno zezemali nokuba kunjalo.
2. Yiba neshishini esele likho – usenokungabi namali yaneleyo yokuqalisa iziko lemali encinane. Kufuneka wazi kakuhle ukuba nantoni na engaphantsi kweziko lemali encinci ayivunywanga ngumthetho. Into oyifunayo ukuze uphumelele lishishini elikhoyo elahlukileyo njengeshishini le-elektroniki, imisebenzi yokulungisa, okanye nalo naliphi na elinye ishishini elibhalisiweyo. Kulapho uya kube usebenza kwaye uqhuba ishishini lakho labucala lokuboleka imali ngokufihlakeleyo.
3. Uyilo lweefom zesivumelwano -Ngoko nakuphi na ukubolekwa kwemali engaphantsi kwenqanaba lemali-mboleko engathathelwa ngqalelo ngumthetho, izivumelwano ezisayiniweyo zivunywa ngumthetho omnye. Ufuna kuphela umntu oza kutyikitya uxwebhu lwekhontrakthi kwaye ungammangalela kwinkundla yomthetho kwaye uya kuhlala ukhuselekile, ngaphandle kokuba kufunyaniswe ukuba wenze inkohliso uxwebhu. Sukuyilaina utyikityo-vumela abathengi bakho basayine iifom zesivumelwano ngokwabo. Iifom zekhontrakthi kuphela kwento eyenza isivumelwano phakathi kwakho nomboleki sibophele kwaye sisemthethweni.
4. Chonga amazinga enzala kunye nelona xabiso liphezulu onokuthi uboleke ngalo -Ufanele ukumisela ukuba uza kubiza malini kwimali oyibolekileyo ngokwexesha elingakanani. Uninzi lwabantu olubolekisa ngasese lubonelela ngeemali-mboleko nge-10-15% yonke imihla. Kuxhomekeka kwiimeko zakho ezizodwa kunye neemeko zentengiso nazo, misela umyinge oza kuwubiza ngawo inzala. Kuya kufuneka ukuba uqonde ukuba ungakanani umda wakho, kuxhomekeke kubungakanani ekufuneka unikezele.
5. Misela i-collater esebenzayo – nawuphi na umxhasi omboleka imali ngumntu ongahlawulisiyo, nokuba umthemba kangakanani na. Uzakufuna isibambiso xa beboleka imali, oya kuthi uyigcine okanye uyithengise ukuba bayasilela, okanye ubuyele kubo emva kokuba beyibuyisile imali-mboleko kunye nenzala. Kufuneka uqikelele ukuba zeziphi izibambiso oza kuzithatha, ezinokuthi zihambelane neshishini lakho elikhoyo elifana ne-electronics ukuba uqhuba ivenkile ye-electronics. Isibambiso osithathayo kufuneka sibe nexabiso elingaphezulu kunesixa umxhasi afuna ukusiboleka, ukuqinisekisa ukuba ukhuselekile xa athe wasilela.
6. Intengiso kwishishini lakho lokubolekisa ngasese - ubusele uchonge umsantsa kwimarike kwaye uyazi ukuba uninzi lwabantu luya kufuna iinkonzo zakho zokuboleka imali yabucala. Ngomlomo, imidiya yoluntu, okanye nayiphi na enye indlela yasekuhlaleni, thumela igama lokuba unikezela ngeenkonzo ezinjalo. Vumela abantu abanokuba ngabaxhasi bazi ukuba bangeza kuwe xa befuna inkonzo ngokulandelayo.

Recap:

• Yazisa abathengi ukuba baya kudinga isibambiso sexabiso elingaphezulu kwelona mali balifunayo.
• Qinisekisa ukuba abathengi bazityikitya ngokwabo iifom zekhontrakthi.
• Qinisekisa ukuba abathengi bayayiqonda imigaqo yenkonzo yakho.
• Vavanya zonke ii-collater ukuze uqiniseke ukuba zikwimeko entle yokusebenza kwaye azinazimpazamo ngaphambi kokuba unike imali umthengi.
• Bonke abathengi mabangqine ukuba bangabanini bezinto abazizisa njengesibambiso (banokubonelela ngeerisithi) ukunqanda ukubiwa.
• Njengoko uqala, hlala ngokwasekhaya ukunqanda umdlalo omkhulu.

Yimalini imali oyifunayo ukuqala ishishini lokubolekisa ngasese eKenya?

Sele uqhuba ishishini elahlukileyo.

Ukuba une-Ksh. 250,000-Ksh. 500,000 engaphezulu elele kwii-akhawunti zakho zebhanki, unelungelo lokungena kwimali mboleko yabucala.

Linceda njani ishishini lokubolekisa ngasese eKenya?

Ukuba uboleka i-Ksh. 250,000 yakho-i-Ksh. 500,000 ngeentsuku ezingama-30 nge-15% yenzala yemihla ngemihla, ekupheleni kwenyanga ulindele ukuba i-Ksh. 1,125,000-Ksh.2,250,000. Imali yakho ikhule nge-450% iphela.

Nokuba awuyiboleki yonke imali, nayiphi na imali oyibolekayo iyakukhula nge-450% ekupheleni kwenyanga. Kukuphi apho ufumana khona i-450% kwimali yakho, ukuba ayibolekiswanga ngasese?

ILizwi lokugqibela.

Ukubolekwa ngasese yenye yezona zinto zinengeniso eninzi eKenya namhlanje.

Ukuba uyenza ngokufanelekileyo, uya kuncuma ebhankini. Ukuba unemali eyongezelelweyo onokuyigcina, joyina iklabhu, hlawula ixabiso, kwaye wenze iibhiliyoni zakho.