Ungayifumana njani iMali mboleko yePhondo kwangoko ngaphandle kweCollateral eNigeria

Imali mboleko yeselula ngoko nangoko yinto eNigeria kwaye kukho izizathu ezicacileyo zoku.

Uninzi lwabantu baseNigeria bahlala besuka esandleni ukuya emlonyeni. Abaninzi abanayo imali yokulondoloza, kwaye ipesenti enkulu yabemi belizwe bahlala ngaphantsi komgca wentlupheko.

Uqoqosho lwaseNigeria lelinye lawona makhulu makhulu e-Afrika.

Ilizwe lisikelelwe ngobutyebi obuninzi kodwa abemi bakufumanisa kunzima ukuphumelela - ilizwe lityebile kodwa abemi balo abazizityebi.

Umsantsa ophakathi kwabemi abakumgangatho ophezulu nophantsi mkhulu kakhulu.

Nkqu noohlohlesakhe abashiyekanga ngasemva kuba kulula kakhulu kubo ukuwisa ileli ukuba abakhuthele emsebenzini wabo.

Ingxelo yakutshanje ekhutshwe ngamanye amaxesha ibonakalisile ukuba uninzi lwabantu baseNigeria bahlala ngaphantsi kwedola yonke imihla. Yiyo indlela embi ngayo.

Kukhuselekile ukuthi iNigeria ayikhange iwaqonde amandla ayo okwenyani kwezoqoqosho.

Oko kuthethiweyo, zininzi izizathu zokuba kutheni abantu baseNigeria bekhethe ukuboleka imali ngokukhawuleza.

Incopho yolu luhlu kukunyuka kwamaxabiso.

Amanani entengo kweli lizwe ayothusa.

Amanani akhutshwe ngoMeyi ka-2019 abonisa ukuba ilizwe libethe amanani aphindwe kabini amaxabiso entengo.

Oku kuchaphazela kakubi iindleko zokuphila kunye nomgangatho wokuphila wabemi.

Ngaphambi komhla wokuhlawula olandelayo, uninzi lwabantu baseNigeria bajonge uncedo lwezemali.

Uncedo lwemali kumntu waseNigeria lunokuza nangaluphi na uhlobo kodwa eyona idumileyo imali mboleko ekhawulezayo yokuhamba.

Abantu baseNigeria bayakhawuleza ukubaleka kula maziko emali ukuze bafumane uncedo ngohlobo lwemali mboleko ye-intanethi.

La maziko akhokelela koku kwaye ahlawulisa izixa ezikhulu njengenzala kunye neentlawulo esazi kakuhle ukuba abantu abanaluncedo.

Isebenza njani imali mboleko yeselula ekwi-Intanethi eNigeria?

Ngokwesiqhelo, isixa osifaneleyo ngumsebenzi wokuba urhola malini okanye umvuzo wakho opheleleyo.

Uninzi lweebhanki eziphezulu zaseNigeria zinomlinganiselo ophantsi womngcipheko.

Ke ngoko, abakhuphi ngaphezu kokuyimfuneko njengemali mboleko yeselula ngoko nangoko.

Kwakhona, ukuba awunabudlelwane bebhanki okanye i-akhawunti ekhoyo yomvuzo, unokungafanelanga ukubolekwa ngefowuni.

Iibhanki zifuna ukuqiniseka ukuba ziyakwazi ukuyibuyisela imali yazo.

Ngokwesiqhelo, inqanaba lenzala liyahluka ukusuka kwelinye iziko lemali ukuya kwelinye ngokubhekisele kwimali mboleko eshukumayo yangoko.

Iziko ngalinye linelungelo lokukhetha inqanaba lenzala abavakalelwa kukuba abathengi baya kulunga ngalo.

Nangona kunjalo, oku kuxhomekeke ekuvunyweni yi-CBN (Central Bank yaseNigeria), ibhanki ephezulu yelizwe.

Ukufumana imali mboleko yefowuni eNigeria, konke okufuneka ukwenze kukufowunela ikhowudi ethile ye-USSD.

Bonke abaququzeleli bemali mboleko banento ethile Ikhowudi ye-USSD ukuba abathengi babo kufuneka bacofe ukuqinisekisa ukufaneleka.

Ukuba ayifaneleki, uya kufumanisa ngokukhawuleza okanye umyalezo wokulandela.

Umyalezo uza kuchaza ngokucacileyo ukuba kufuneka wenze ntoni ukuze ufaneleke ukufumana imali-mboleko enjalo.

Kwakhona, ukuba ukulungele ukubolekwa ngoko nangoko, isixa sakho sokufaneleka siya kuchazwa kuwe ecaleni kwesicwangciso sokuhlawula, izinga lenzala, kunye nentlawulo yenkonzo.

Ukuba wanelisekile yimigaqo kunye neemeko zonikezelo, kwaye ufunde i-disclaimer, ungaqhubeka nokucela imali oyinqwenelayo.

Imali yakho yokufaneleka iya kufakwa kwiakhawunti yebhanki edityaniswe kwi-BVN yakho (Inombolo yokuNgqinisisa iBhanki).

Ukupheliswa kweemali mboleko zeselula eNigeria kwenziwa kakhulu ngeakhawunti yebhanki ohlawulwa ngayo umvuzo wakho.

Ukungaphumeleli ukuhlawula ngexesha elimiselweyo kunokutsala iindleko ezongezelelweyo.

Qaphela ukuba uthatha imali mboleko ekhawulezayo eNigeria kwaye usilele ukuyibuyisela, uyakufumana kunzima ukwenza isicelo esilandelayo. Ngapha koko, unokungafanelanga zonke iimali-mboleko ezizayo.

7 Ezona zixhobo zithandwayo zemboleko mboleko eziphathwayo eNigeria - Fikelela kwiMali mboleko ngeKhowudi zeUSSD

Zininzi kakhulu ii-apps zemali-mboleko yeselula yaseNigeria ngenxa yokunyuka kwemfuno yemveliso.

Kwiibhanki ezininzi, lo ngomnye wemithombo yengeniso.

Iibhanki zaseNigeria zenza inzuzo enkulu kwaye zenza ingeniso enkulu ngokunika abathengi abasweleyo imali mboleko kwaye akubonakali ngathi ziya kuyeka nangaliphi na ixesha kungekudala.

Nje ukuba uyazi, imali mboleko yeselula ayinakufunyanwa kuphela ngokucofa ikhowudi kodwa ngeeapps zemali mboleko yeselula.

Njengomthengi, unokujonga zonke iimveliso mboleko ezikhoyo ngokukhuphela usetyenziso lwemali mboleko onqwenela ukuyiboleka kwivenkile yokudlala. 

Apha ngezantsi luluhlu lwezonaapps zaziwayo zemboleko zeselfowuni eNigeria 2020.

1. Imali-mboleko yomhla wokuhlawulwa yi-Access Bank.

Le yenye yezona mboleko zidumileyo ngoko nangoko eNigeria.

Ukufumana le mali-mboleko okanye uqinisekise imeko yakho yokufaneleka, kufuneka kuphela ucofe ikhowudi ye-USSD ye-Access Bank 901I-11 #.

Imali mboleko iyafumaneka kubathengi abanobudlelwane beakhawunti yomvuzo kunye nebhanki.

Abanye abasebenzi baseburhulumenteni kunye nabaseburhulumenteni banokufaka izicelo ukuba bazimisele kwaye banakho ukuhlangabezana nemigaqo.

Ukufikelela ebhankini kuya kukunika ukuya kuthi ga kwi-75% yomvuzo wakho wenyanga.

Into entle malunga nale mveliso yemali mboleko yeselula kukuba ikunika isicwangciso sokuhlawula esiguquguqukayo.

Ibhanki yokufikelela ilindele ukuba uhlawule kwiintsuku ezingamashumi amathathu okanye ngosuku lwakho olulandelayo lokurhola; nokuba yiyiphi efika kuqala.

Imirhumo ebandakanyekayo xa uhlawula imali-mboleko yosuku lokuhlawula ibandakanya: - izinga lenzala, intlawulo yokubhangisa, irhafu eyongeziweyo, kunye nentlawulo yenkonzo ethi idibanise ukuya kutsho kwi-5.2% yemali mboleko.

Ukuhlawulwa kwemali mboleko kuyakwenziwa ebhankini apho iakhawunti yakho yomvuzo ihlala khona.

2. Ityala elikhawulezileyo yiBhanki yesiQinisekiso seBhanki.

Ukufumana imali mboleko eKhawulezayo yi-GTB yaseNigeria, cofa nje i-shortcode 73751 * 51 #.

Ukubuyisela le mali mboleko akufuneki kube ngumba kuba ukubhangiswa kunye nokuhlawula kwandiswa kwithuba leenyanga ezintandathu ukuya kunyaka omnye.

Akukho ntlawulo ifihliweyo malunga nale mali mboleko yeselula ngoko nangoko kwaye inzala yenyanga yi-1.75%.

Ngokungafaniyo nemali mboleko yomhla wokuhlawula kwiBhanki yokuFikelela, iKhredithi ekhawulezileyo iyafumaneka kubo bobabini abafumana umvuzo nakwabo bangaholiyo.

Inyaniso yokuba unokucela ukuya kutsho kumawaka alishumi eNaira iqinisekisa ngakumbi oku.

Ukuba ungaphantsi kweminyaka eli-18 ubudala ngomhla wokwenza isicelo sakho sale mali-mboleko, isicelo sakho siya kukhatywa.

Ngapha koko, akufuneki udlule kwiminyaka engama-59 ubudala ngomhla ekulindeleke ukuba imali mboleko ikhule.

Ukuba isicelo sakho semali mboleko samkelwe kwaye siqinisekisiwe siphumelele, isixa esifakiweyo siya kuhlawulwa kwiakhawunti yakho yeBhanki yeGuaranty eyaziwayo yeNigeria.

Abantu abazisebenzelayo nabo banokufumana ukuya kutsho kwi- #1,000,000 (Isigidi seenaira) semali-mboleko ekhawulezayo.

Nangona kunjalo, ukuba urhola umvuzo omkhulu njengomvuzo, isixa sakho sokufaneleka yi- # 5,000,000 (yezigidi ezintlanu ze-naira).

Isicelo sakho semali mboleko ekhawulezayo yokuhamba eNigeria siyakwaliwa ukuba unetyala kwibhanki okanye kwelinye iziko lezemali.

Isicelo sakho siyakwaliwa ukuba unembali yokujonga dud.

3. Imali-mboleko zeAlat yiWema Bank.

IAlat linyathelo lebhanki yeWema-enye yeebhanki eziphambili ze-2 eNigeria.

Unokunyuka uye kwi-NGN. I-200,000 (amawaka amabini ama-naira) mboleko kule app ngaphandle kwesibambiso okanye amaphepha.

Ukurhuma kule mveliso, kuya kufuneka ukhuphele iifayile ze- IAlat yeMali mboleko yeMali kwiPlaystore kunye nerejista.

Xa ubhalisile ngempumelelo, unokucofa kwithebhu yemali mboleko ebekwe ngokucacileyo kwikona enye yeapp.

Akuthathi xesha lide ukuba iakhawunti yakho ifakwe xa ucela le mboleko.

Emva kokuvuthwa kunye nokupheliswa ngempumelelo, uya kwaziswa ngokufanelekileyo nge-Alat app.

4. I-Renmoney.

Ukufumana imali mboleko ekhawulezileyo kweli qonga akukho nzima.

Ukuze ufaneleke, iminyaka yakho yobudala akufuneki ibe ngaphantsi kwe-22 okanye ngaphezulu kwe-59.

Le mali mboleko ayenzelwanga abantu abangenayo imithombo yengeniso okanye umsebenzi ozinzileyo.

Ngeli qonga, unokufumana imali-mboleko ephezulu njenge-NGN. 4,000,000 (Izigidi ezine zeeNaira).

Ukuhlawulwa kwakhona kwemali mboleko kaRenMoney kuyatshintsha kwaye kuyasasazeka kwiinyanga ezilithoba.

Inzala yale mveliso iphakathi kwe-4% kunye ne-4.5% ngenyanga.

5. UZedvance (iMali mboleko ekhawulezileyo ekwi-Intanethi eNigeria ngaphandle kwesibambiso).

IZedvance yabelana ngokufana okuninzi noRenmoney.

Kuya kufuneka ube uneakhawunti yomvuzo ngaphambi kokuba uqwalaselwe ngale mali-mboleko.

Ukuze uhlawule, unokukhupha itshekhi okanye utsale imali ngokuthe ngqo kwiakhawunti yakho yebhanki.

Ubuninzi bexesha lemali-mboleko ziinyanga ezili-12 kwaye izinga lenzala liyohluka ukusuka kwi-4% ukuya kwi-4.5% ngokuxhomekeke kwindlela okwazi ngayo ukuthethathethana.

Inani elifanelekileyo lakho ngumsebenzi wentlawulo yakho yomnatha.

Ikhadi lesazisi elisemthethweni kunye netyala elisetyenziswayo kutshanje zezinye zeemfuno zale mboleko.

Isicelo semali mboleko yeZedvance sinokwenziwa kwi-intanethi.

6. I-Kwik Cash yangoko-mboleko yeMali mboleko eNigeria.

Into elungileyo ngeKwik Cash kukuba unokukhetha iindlela ofuna ukwenza isicelo semali mboleko ngazo.

Nokuba lusetyenziso lwemali mboleko ye-Kwik Cach, ikhowudi ye-USSD, okanye ukhetho lwe-intanethi, kulungile ukuba uhambe.

Unokwenza izicelo ukuya kuthi ga kwi-NGN. 15,000. Buyisela imali mboleko kwiiveki ezi-2 ukuze ufumane enye.

Iimfuno zale mboleko yeselula ekhawulezayo yaseNigeria zisisiseko - nangona isicwangciso sokubuyisela asisasazwanga ixesha elide.

Kwik Cash inokujongwa ngcono njengokhetho lwemali-mboleko eyilelwe ukuhlangabezana neemfuno zakho zexesha elifutshane.

Inombolo yakho yoQinisekiso lweBhanki (i-BVN) yeyona nto ikwenza ulungele imveliso yemali-mboleko ye-Kwik Cash ngoko nangoko.

7. IRosabon Ezezimali eNigeria App ekhawulezileyo yeMali mboleko.

URosabon liziko lezemali eliye laqhubeka nokuxhasa amashishini amancinci kunye nokukhula eNigeria.

Inkampani ngoku ingomnye wababoneleli abaphezulu bemali mboleko yomntu.

Ukuba awunamsebenzi, le mali-mboleko ayenzelwanga wena.

Inzala iphakathi kwe-4% ukuya kwi-6% ngenyanga kwaye kufuneka ube ne-ID yerhafu okanye i-akhawunti yomhlalaphantsi ukuze ube nelungelo.

Uluhlu lweBhonasi-3 ezingakumbi iiMali mboleko zoSetyenziso lweNigeria.

• Sokoloan ngu INKAMPANI YOKUBOLEKA NGOKUSEBENZA KWENKAMPANI ENigeria.

UPhononongo loMthengi lweSokoLoan.

• ISebe leMboleko yeMboleko eSheshayo eNigeria.

UPhononongo loMthengi lweMali mboleko yeMoto eSheshayo ngeNdlela yokudlala.

Isebe lishishini eliqhutywa ngentliziyo yegolide. Ukuguquguquka kwabo kungokwesibini kuye. Unemfesane kakhulu. Inzala encinci kunye nenzala kwiirhafu ezihlawulwe kade. Ndinika i-kudos kubaxhasi. Kulunge kakhulu kuzo zonke iiklasi eluntwini. Ezinwa Nwokocha.

Ubhaliso lokuqala lweSebe laMazwe ngaMazwe lulula kwaye alunamaxwebhu amaninzi. Imali-mboleko yam yokuqala enikiweyo yayincinci kakhulu kangangokuba ndaphantse ndala. Ngokombono wam onyanisekileyo, inzala ye-20% iphezulu kakhulu ukuba imali mboleko ingacinywa phakathi kweentsuku ezingama-28 zokuthatha imali-mboleko, kunye ne-1st payback ngosuku lwe-7 yemboleko. Abaphathi kufuneka bajonge izinga lenzala elibizwayo kunye nexesha lokubuyisela. Nceda ube nomdla kubathengi / abathengi bakho entliziyweni. Enkosi ngokubakho kuthi… Emmanuel Oluwaseun ngeplaystore.

Funda ngakumbi uphononongo lweMali mboleko yeSebe kwi Indawo yokudlala.

• Imali ekhawulezileyo yiRipidcash yaseNigeria.

Uphengululo loMthengi ngeRapidcash-Via Playstore.

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.