Amaphutha ayi-6 okufanele uwagweme lapho ufaka isicelo semalimboleko yokwakha ngo-2020

Ukuthatha imalimboleko yokwakha kuyindlela enhle yokunciphisa uxinzelelo lwezezimali lapho kwakhiwa; lapho kusetshenzwa kabusha kabusha okukhulu; noma lapho kuthuthukiswa amayunithi amasha wokuqasha ngokuhambisana nokugxila kwakho kwezezimali. 

Futhi ngokungafani nemalimboleko yempahla ebanjiswayo;

• Izimali mboleko zokwakha yizivumelwano zesikhathi esifushane sezimali.
• Banikeza ababolekisi ngemali engaphambili ukuthenga umhlaba abazokwakha kuwo.
• Izimalimboleko zokwakha azijezisi ababoleki ngokubuyiselwa kwemali mboleko ngaphambi kwesikhathi. 
• Lezi zinhlobo zemalimboleko zizokukhokhisa inzalo ngenani elisetshenziswe ngenkathi kwakhiwa. 

Isibonelo, uma uvunyelwe i-Ksh. I-10,000,000 futhi iphrojekthi yakho yokwakha iya kubiza i-Ksh. 7,000,000; inzalo izokhokhiswa kuleso sibalo esilandelayo.

Amaphutha ayi-6 Okufanele uwagweme lapho ufaka imali mboleko yokwakha.

Lapho ufaka isicelo salezi zinhlobo zemalimboleko, kodwa kunamathuba wokuthi uzokwenza iphutha elingakubiza ukuthola imvume yemalimboleko.

Noma noma wenze iphutha elizokwenza inqubo yokubuyisa ibe buhlungu isikhathi eside lapho umsebenzi wokwakha uqediwe.

Ukuze ube sohlangothini oluphephile, qiniseka ukuthi ufunda lokhu okuthunyelwe kuze kube sekugcineni ukuze wazi amaphutha okufanele uwagweme kuyo yonke inqubo yokufaka isicelo semalimboleko yokwakha.

1. Ungadwebi Uhlelo Lwezindlu Ngaphambi Kokuvunyelwa Kwangaphambili Kwemali mboleko Yakho. 

Kulungile ukuthi ujabule ngamathemba wemalimboleko yakho yokuvunywa. Futhi kulungile ukuthola i-jittery futhi ufuna ukwabelana ngeplani yakho entsha yendlu ku-Facebook naku-Instagram.

Kepha akukubi ukuba nomakhi wezakhiwo udwebe ipulani yendlu yakho ngaphambi kokuthola imalimboleko yakho yokwakha.

Kungani?

Ngoba uma umakhi wakho edweba uhlelo olungaphezu kwesabelomali ungaba nenkinga nombolekisi wakho lapho bethumela umlinganisi ozimele ngaphezulu futhi amanothi akho awafani.

Noma ibhange liqhubeka nokukuboleka imali okuvunyelwene ngayo, usazoyizwa impintshi izama ukumboza ezinye izindleko ephaketheni lakho.

Khona-ke ingakanani ingqikithi engathatha imali mboleko yokwakha uma ukucindezeleka kusabuyela kuwe?

 2. Ungadukisi Isikhulu Esiboleka Imali Yakho.

Esinye sezizathu ezenza ukubuyisela imali ebolekiwe kube yinqubo ebuhlungu yingoba abanye ababolekayo bakhetha ukuqamba amanga noma badukise izikhulu ezibolekayo ukuze zigunyazwe imali-mboleko; kunokumane ukhulume iqiniso futhi uvumele isistimu inqume ukuthi yini okufanele uyinikeze.

Inkinga iqala lapho ngemuva kokuxhaswa kwephrojekthi yakho ungakwazi ukukhokha ngesikhathi esifanele ngenxa yezinkinga zezezimali.

Lokhu kuholela ezinhlawulweni ezingadingekile, ezimisweni ezijwayelekile, futhi ekugcineni; umbolekisi uthengisa indawo yakho ukuze athole imali yakhe.

Futhi ukubuyisela impahla ebhange kuyisithiyo esikhulu.

Awufuni ukwenza lokhu ezinganeni zakho?

Awufuni ukuba ngumninikhaya umzuzu futhi ungabi nakhaya kumasekhondi ambalwa alandelayo!

Nalu uhlu lwezinto okufanele uzigweme ukuqinisekisa ukuthi awuyena isisulu sendali yempahla.

1. Thembeka nesiphathimandla sakho semalimboleko ngesikhathi sokwenza isicelo.
2. Vumela obolekayo akwamukele ngaphambi kokunquma ukuthi uzokwazi ukukhokha malini ukuze ukwazi ukuhlelela leso sibalo.
3. Chaza ebhange izinhloso zakho ngale ndawo. Ngabe uhlose ukuyikhipha? Uyafisa yini ukuhlala kuyo? Isikhathi esingakanani? Zonke lezi zinto zidlala indima ekunqumeni ukuthi ungakwazi yini ukukhokhela imalimboleko yokwakha.

3. Ungakhohlwa Ukubuza Ngenzalo Ekhokhelwe Imalimboleko Yokwakha.

Amanani emalimboleko yemalimboleko yokwakha angahamba noma alulwe. 

Ubungeke wazi ukuthi iyiphi inketho engcono uma ungakhulumi nombolekisi wakho ngayo.

Izintshisekelo ezintantayo zibhekisela emazingeni enzalo ephansi asuselwe kushintsho. Inzalo entantayo ingaba ngu-9% namuhla futhi ibe ngu-11% ngonyaka ozayo. Noma u-9% namuhla no-7% ngonyaka ozayo. Kunzima ukwenza ibhajethi noma ukuphatha izimali zakho ngale nketho.

Amanani wenzalo entantayo azokhuphuka noma awe lapho kukhona ushintsho ezimakethe zezimali.

Ngakolunye uhlangothi, izilinganiso zenzalo ezigxilile zibhekisela ezilinganisweni zenzalo ezimile. Avame ukuba phezulu kunamazinga antantayo kodwa kulula kakhulu ukuhlela ukukhokha kwakho; babe nezingozi ezincane futhi abathonywa izimo zemakethe.

Ukukhuluma nesikhulu sakho semalimboleko mayelana namazinga emali yenzalo nangefomu ofuna amazinga elizowathatha lisho ukuthola imali engcono kakhulu.

Futhi njengoba izindleko ezisele zokwakha zingacaciswa ngokuthatha imali mboleko yempahla ekwakhiweni kweprojekthi yokwakhiwa okuqediwe; kufanele ubuze isikhulu semalimboleko uma inzalo izosala injalo ngemuva kokuthi imalimboleko yokwakha ithathe ifomu lokubolekwa kwempahla.

Vele uqiniseke ukuthi yonke into icacile ngaphambi kokuzibophezela kwinqubo.

4. Ungazinikeli Kubolekisi Wokuqala Ongena Kuyo, Isitolo sewindi samadili angcono. 

Njengoba imalimboleko yokwakha iyinkimbinkimbi ukwedlula imali mboleko yempahla ebanjiswayo, kulungile ukukhuluma nababolekisi abahlukahlukene ngaphambi kokuthatha isinqumo sokuthi ngubani ozokhetha.

Kungani?

Ngoba: - 

1. Amanani enzalo angahluka kumbolekisi.
2. Imalimboleko yokwakha imalimboleko yesikhashana futhi idinga uhlelo lokubuyisa okuqinile kanye nokuthenga ngewindows kungakuholela kumbolekisi oguquguqukayo. 
3. Lezi zinhlobo zemali mboleko ngezinye izikhathi zikhokhwa ngqo kusonkontileka esikhundleni somboleki. Kodwa uma ufuna ukuthi ikhokhwe ku-akhawunti yakho, awunayo enye inketho ngaphandle kokuthenga ngewindi umabolekisi omnene.

5. Ungamane Uqashe Usonkontileka, Qasha Usonkontileka Ohamba Phambili Wephrojekthi Yakho.

Lapho uthatha imalimboleko yokwakha, idumela lokuthi ukhetha bani usonkontileka ngejubane noma wehlise inqubo yokuvunyelwa nokwamukelwa kwesikhungo sakho.

Lokhu kungenxa yokuthi bonke ababolekisi kumele bavunyelwe ngumbolekisi - ngaphambi kokuqala kwephrojekthi yokwakha.

Le yingxenye lapho usayina inkontileka yokwakha nomakhi ngokugcizelela zombili izibopho zakho nezindleko zokwakha.

Ababolekisi abaningi bazokhokha usonkontileka wakho wokwakha ngokuqondile.

Qiniseka ukuthi wenza inkuthalo efanele ohlangothini lwakho ukugwema ukukhohliswa.

Ngiqonde ukuthi, ngubani owaziyo ukuthi uma umakhi angayithatha imali futhi angahlangani naye uhlangothi lwesivumelwano. Okubi kakhulu wukuthi uma befika batuswa nguwe kakhulu ebhange, usola bani-ke?

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Imalimboleko Ebaluleke Kakhulu eKenya.

EKenya, umbolekisi ofanele wemalimboleko yokwakha ngamabhange okuhweba. Futhi nakuba bengebaningi kangako, abambalwa esikhaleni bahle ngokwanele futhi bazokusiza ngephrojekthi yakho. 

Uhlu Lwezinkampani Zokwakha Imali Ebolekisa Ngasekhaya eKenya.

• Izimalimboleko Zokwakhiwa Kwebhange Lomndeni.
• Izimali mboleko zebhizinisi lebhange le-co-operative kanye nezimali zokwakha. 
• Barclays Kenya Imalimboleko Yokwakha.
• IStanbic Bank Kenya Izimali Zokwakha. 
• Imalimboleko Yokwakhiwa Kwebhange leNIC.
• I-National Bank of Kenya Loans. 
• I-Consolidated Bank of Kenya Commerce Loans.
• Izikweletu Zentengiso ze-KCB.
• I-Commerce Bank of Africa Loans.

Imalimboleko Yokwakhiwa Kweqembu le-HF.

I-HF Group ibilokhu iyinkampani yemalimboleko engcono kakhulu yekhaya kubantu baseKenya kusukela ngo-1956.

Ezinsukwini zayo zakuqala, yayiphethwe uhulumeni ngokubambisana ngamaphesenti angama-60 - i-HF Group kanye nama-40% yi-GOK.

Kamuva i-HFCK manje i-HF Group yazitholela zonke izabelo.

Imisebenzi Yokwakha Esekelwa Yimali yiHF Group.

I-HF Group ixhase ngezimali ukwakhiwa kwe-Buru Buru Estate - isigaba sokuqala nesesibili. Ngayinye yaqedwa ngamayunithi angama-926 nama-625 ngokulandelana.

Le nkampani kusukela ngaleso sikhathi isixhase ngezimali amanye amaphrojekthi amaningi amakhulu ezweni lonke futhi manje isinikeza abanikazi bomhlaba ithuba lokuba ngabanikazi bezindlu kanye nezindawo zokuhlala ngezimali mboleko zabo zokwakha izindlu.

Imalimboleko Yokwakhiwa Kweqembu le-HFC isatshalaliswa ngqo kusonkontileka. 

Okuthunyelwe Okuhehayo: - Izimalimboleko Ezingavikelekile eKenya.

Izidingo Zokubolekwa Kwemali Yokwakhiwa Kweqembu le-HF. 

• Udinga ukuletha uHlelo Olwamukelwe Lokwakha. 
• Thumela ubufakazi bomnikelo wakho.
• Isamba senani.
• Isivumelwano senkontileka - ungabacela osonkontileka abake babavumela esikhathini esedlule - kuzoqinisa inqubo. 
• Amaphrofayili we (Umphathi wephrojekthi kanye noma, i-Architect, Umcwaningi Wamanani, Usonkontileka, Unjiniyela Wokwakhiwa).
• Izibopho zobungcweti zoMqambi nonjiniyela.

Izici ze-HF Group Construction Loan.

• Uthola imali engafika ku-90% uma uzobe uthatha indlu eyakhiwe. Kufika kuma-70% ezimali uma uhlose ukuqasha amayunithi.
• Ukhokha inzalo isikhathi esiyizinyanga eziyi-12 ngesikhathi sokwakha. 
• Isikhathi sokukhokha imali mboleko yeminyaka engama-20 kumakhasimende aqashiwe kanye neminyaka eyi-10 kuma-SME.

Izinzuzo ze-HF Group Construction Loan.

• Uthola izinsiza zokubheka ukwakhiwa. 
• Inzalo ikhokhwa kuphela ngesikhathi sokwakha. 
• Amakhasimende athola ukufinyelela ethimbeni labaphathi bezokwakha kwangaphakathi kwa-HFC.
• Imali mboleko izoguqulelwa ekubeni yimali ebolekiwe yesikhathi eside ngemva kokuphothulwa kwephrojekthi. 

Imali kanye namanani ahilelekile.

• Imali yokuzibophezela ka-1.5%.
• Imali yenani elinganiselwa ku-0.5%.
• Imali Yezomthetho ecishe ibe ngu-1-2%.

Unentshisekelo Ngemalimboleko Wokwakha we-HFC?

Imalimboleko Yokwakha Amakhaya Esezingeni eliphezulu ENingizimu Afrika. 

Imalimboleko Yokwakhiwa Kwebhange le-Absa.

Imalimboleko yokwakha yase-Absa ikusiza ukuthenga umhlaba noma ukwakha ikhaya lamaphupho akho. Ungathatha lemali mboleko yemizi ukuyilungisa kabusha.

Izici ze-Absa Building Home Loan.

• Inkokhelo yenqubekela phambili yenzelwa umsebenzi oqediwe ngezigaba.
• Ukuphindisela kuqala ngemuva kwezinyanga eziyisishiyagalolunye (9) zokubhaliswa kwebhondi.
• Inzalo izodonswa imali futhi ifakwe njengosonhlamvukazi kusukela ngedethi yenkokhelo yokuqala.
• Absa bahlinzeka ngokubonisana ngokuhlela kwezimali nomeluleki ofanelekayo.

Izidingo Zokuthatha Imalimboleko Yekhaya le-Absa.

• Imali engenayo yanyangazonke noma ehlanganayo yanyangazonke yama-R23 300 noma ngaphezulu.
• I-ID yaseNingizimu Afrika evunyelwe, enamakhodi noma ipasipoti uma ungeyena umhlali waseNingizimu Afrika.
• Ukunikezwa kokuthenga (uma uthenga impahla noma ubheke kwinqubo yokwakha imalimboleko yokwakha).
• Iseluleko sakho somholo wakamuva (noma isitatimende somholo uma uzisebenza wena).
• Nikeza imvume yezitatimende zasebhange izinyanga ezintathu (3) uma ibhange neFirst National Bank (FNB), Nedbank noma i-Standard Bank, ngaphandle kwalokho lihlinzeke izitatimende zasebhange izinyanga ezintathu (3)
• Isitifiketi sokubhaliswa kwabakhi be-NHBRC.
• I-Waiver esayiniwe ye-Builders Lien (ifomu le-Absa 1295BX).
• Isheduli yethenda nokuqedwa.
• Ukucaciswa okuncane (ifomu le-Absa 1284EX).
• Izinhlelo ezithunyelwe ukuvunywa (imidwebo yokusebenza) ngezilinganiso, noma 
• Uhlelo oluvunyelwe nguMasipala.
• Inkontileka yokwakha eqediwe ngokuphelele.
• Abakhi yomshuwalense onobungozi bonke. 

Unentshisekelo Ngemalimboleko Wokwakha i-Absa Ikhaya?

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Thola Imalimboleko Eningi.

• Ukubolekwa Kwemali Kusetshenziswa Amakhodi we-USSD | Inketho yezinhlelo zokusebenza Zokubolekwa.
• I-NIC Bank Iqala Imalimboleko Esheshayo Yasendlini eKenya Ngaphandle Kokuphepha.
• 31 Ama-App wemalimboleko osheshayo weSelula eKenya Nokuthi Ungawafinyelela Kanjani.
• Ukudluliswa Kwemali Okuhamba Phambili Kakhulu Nemisebenzi Yemalimboleko Ekukhokhela Ukudlulisela Umngani.
• Izindlela ezi-9 ezilula Zokukhulisa Ksh. 100,000 ezingaphansi kwesonto.
• Sebenzisa ikhodi ye-USSD ukuthola Imalimboleko Esheshayo Yokusuka ku-Okoa Mia
• Ungayikhokhi kanjani iTala Loan & Usalungela Imali Engaphezulu Ngemikhawulo Ephakeme.
• Amaphutha ayi-6 okufanele uwagweme lapho ufaka isicelo semalimboleko yokwakha ngonyaka ka-2019.
• Ungayithola Kanjani Imali Ebolekayo Yasendlini Ngaphandle Kwokubambisana eNigeria.
• Imalimboleko Engavikelekile: Thola imalimboleko ye-Ussd Ngaphandle Kokuphepha eKenya.

Umakwe Nge: Imalimboleko Yezokwakha • Amanani Okubolekwa Kwemali Yokwakha • Imali yezindlu