Ungayithola Kanjani Imali Ebolekayo Yasendlini Ngaphandle Kwokubambisana eNigeria

Imali mboleko esheshayo yeselula manje isiyinto eNigeria futhi kunezizathu ezisobala zalokhu.

Abantu abaningi baseNigeria bahlala besuka esandleni baye emlonyeni. Abaningi abanayo imali yokonga, futhi ingxenye enkulu yabantu bakuleli iphila ngaphansi komugqa wobumpofu.

Umnotho waseNigeria ungomunye wabakhulu e-Afrika.

Izwe libusiswe ngezinsizakusebenza eziningi kodwa abantu bakuthola kunzima ukuphumelela - izwe licebile kodwa izakhamizi zalo azicebile.

Umehluko phakathi kwezakhamizi eziphezulu kanye nezinga eliphakeme mkhulu.

Ngisho nonxiwankulu abashiywanga emuva njengoba kulula kakhulu kubo ukuthi behlise iladi uma bengakhuthazi ngomsebenzi wabo.

Umbiko wakamuva okhishwe kwesinye isikhathi emuva uveze ukuthi iningi labantu baseNigeria bahlala ngaphansi kwedola nsuku zonke. Kunjalo-ke ukuthi kubi.

Kuphephile ukusho ukuthi iNigeria ayikawaboni amandla ayo eqiniso ngokwezomnotho.

Sekushiwo lokho, ziningi izizathu ezenza abantu baseNigeria bakhethe ukubolekwa imali esheshayo yeselula.

Okuphezulu ohlwini yi-inflation.

Amanani ezwe lokunyuka kwamanani ezwe ayamangaza.

Izibalo ezikhishwe ngoMeyi 2019 zikhombisa ukuthi izwe selifinyelele izibalo eziphindwe kabili zokwehla kwamandla emali.

Lokhu kuba nomthelela omubi ezindlekweni zokuphila nezinga lempilo yabantu.

Ngisho nangaphambi kosuku lokukhokha olulandelayo, inqwaba yabantu baseNigeria bafuna usizo lwezezimali.

Usizo lwezezimali lomuntu waseNigeria lungafika nganoma yiluphi uhlobo kodwa oludume kakhulu mboleko esheshayo yeselula.

Abantu baseNigeria bayashesha ukugijimela kulezi zikhungo zezezimali ukuze bathole usizo ngendlela yokubolekwa kwemali yeselula ku-inthanethi.

Lezi zikhungo zincike kulokhu futhi zikhokhisa amanani amakhulu njengenzalo futhi zikhokhisa ngokwazi kahle ukuthi abantu abasizi.

Isebenza kanjani imalimboleko yeselula eku-inthanethi eNigeria?

Imvamisa, inani ofanelekile ngalo ngumsebenzi wokuthi uhola malini noma uhola malini.

Amabhange amaningi aphezulu aseNigeria anesilinganiso sobungozi obuphansi.

Ngakho-ke, abakhiphi ngaphezu kwalokho okudingekayo njengemalimboleko esheshayo yeselula.

Futhi, uma ungenabo ubudlelwano basebhange noma i-akhawunti yomholo ekhona, ungase ungafaneleki ukubolekwa imali ngomakhalekhukhwini.

Amabhange afuna ukwenza isiqiniseko sokuthi angakwazi ukubuyisa imali yawo.

Imvamisa, inani lenzalo liyahluka kusuka kwesinye isikhungo sezezimali ukuya kwesinye ngokuya ngemalimboleko ephathekayo eseduze.

Isikhungo ngasinye sinelungelo lokukhetha inani lenzalo abanomuzwa wokuthi amakhasimende alo azolunga nalo.

Kodwa-ke, lokhu kuncike ekuvunyelweni yi-CBN (Central Bank of Nigeria), okuyibhange lezwe.

Ukuze uthole imali mboleko yomakhalekhukhwini eNigeria, okudingeka ukwenze ukushayela ikhodi ethile ye-USSD.

Bonke abagqugquzeli bemalimboleko banokuthile I-USSD ikhodi ukuthi amakhasimende abo kumele afonele ukuze aqinisekise ukufaneleka.

Uma kungafaneleki, uzothola ngomlayezo osheshayo noma wokulandela.

Lo mlayezo uzosho nangemibandela ecacile ukuthi yini okudingeka uyenze ukuze ufanelekele ukubolekwa imali.

Futhi, uma ufaneleka ukubolekwa imali esheshayo yeselula, inani lakho lokufaneleka lizodalulwa kuwe kanye nohlelo lokukhokha, izinga lenzalo, kanye nenkokhiso yesevisi.

Uma wanelisekile ngemigomo nemibandela yomnikelo, futhi usufundile incwadi yokuzihlangula, ungaqhubeka nokucela inani olifisayo.

Inani lakho lokufaneleka lizofakwa kwi-akhawunti yasebhange exhunywe kwi-BVN yakho (Inombolo Yokuqinisekiswa Kwebhange).

Ukuqedwa kwemali mboleko yeselula e-inthanethi eNigeria kwenziwa kakhulu nge-akhawunti yasebhange okukhokhwa ngayo iholo lakho.

Ukwehluleka ukubuyisela emuva ngesikhathi esimisiwe kuzoheha ezinye izindleko.

Qaphela ukuthi uma uthatha imali mboleko yeselula esheshayo eNigeria bese wehluleka ukuyibuyisela, uzokuthola kunzima ukwenza isicelo esilandelayo. Eqinisweni, ungakhishwa kuzo zonke izimali mboleko ezizayo.

Izinhlelo Zokusebenza Zokubolekwa Kwamaselula ezidume kakhulu eNigeria - Finyelela Amalimboleko nge-USSD Codes

Ziningi kakhulu izinhlelo zokusebenza zokubolekwa kweselula zaseNigeria ngenxa yokukhula kwesidingo somkhiqizo.

Kumabhange amaningi, lokhu kungumthombo owodwa wemali engenayo.

Amabhange aseNigeria enza inzuzo enkulu futhi angenisa imali enkulu ngokunikeza amakhasimende aswele imali mboleko futhi akubukeki sengathi azoma noma nini maduze.

Ukuze wazi nje, imali mboleko yeselula ayikwazi ukutholwa kuphela ngokudayela ikhodi kodwa nangezinhlelo zokusebenza zemalimboleko yeselula.

Njengekhasimende, ungabuka yonke imikhiqizo etholakalayo yemalimboleko ngokulanda izinhlelo zokusebenza zemalimboleko yeselula ofisa ukuziboleka kuzo esitolo sokudlala. 

Ngezansi uhlu lwezinhlelo zokusebenza ezaziwa kakhulu zokubolekwa kwemali e-Nigeria 2020.

1. Imalimboleko yosuku lokukhokha yiFinyelela iBhange.

Lesi ngesinye semalimboleko esheshayo ethandwa kakhulu eNigeria.

Ukuthola le mboleko noma uqinisekise isimo sakho sokufaneleka, udinga kuphela ukushayela ikhodi ye-USSD yeFinyelela iBhange 901I-11 #.

Imali mboleko iyatholakala kumakhasimende anobuhlobo be-akhawunti yomholo obukhona nebhange.

Abanye abasebenzi be-federal nabhulumeni bangafaka futhi isicelo uma bezimisele futhi bekwazi ukufeza imigomo.

Ibhange lokungena lizokunikela ngama-75% weholo lakho lanyanga zonke.

Okuhle ngalo mkhiqizo wemalimboleko yeselula ukuthi ukuhlinzeka ngohlelo lokukhokha oluguquguqukayo.

Ibhange lokufinyelela lilindele ukuthi ukhokhe zingakapheli izinsuku ezingamashumi amathathu noma ngosuku lwakho olulandelayo lokuhola; noma yikuphi okuza kuqala.

Izimali ezihilelekile lapho ukhokha imali ebolekiwe yosuku lokukhokha zihlanganisa: - izinga lenzalo, inkokhiso yokuvalwa kwezimali, intela ye-value-added, kanye nenkokhiso yesevisi ehlanganisa cishe u-5.2% wemali mboleko.

Ukupheliswa kwemali mboleko kuzokwenziwa kusuka ebhange lapho iakhawunti yakho yemiholo ihanjiswa khona.

2. Isikweletu Esisheshayo Esiqinisekiswe Yibhange Lokuqiniseka.

Ukuze uthole i-Quick Credit loan nge-GTB Nigeria, mane ushayele ishortcode 73751 * 51 #.

Ukukhokha lesi sikweletu akumele kube yinkinga ngoba ukuqedwa nokukhokha kusakazwa esikhathini esiyizinyanga eziyisithupha kuya onyakeni owodwa.

Azikho izinkokhiso ezifihliwe mayelana nale mali ebolekiwe esheshayo futhi izinga lenzalo lanyanga zonke lingu-1.75%.

Ngokungafani nemalimboleko yosuku olukhokha kwiBhange Lokungena, iKhredithi Esheshayo iyatholakala kubo bonke abahola imholo nalabo abangasebenzi iholo.

Iqiniso lokuthi ungacela amaNaira afinyelela ezinkulungwaneni eziyishumi liyakuqinisekisa lokhu.

Uma uneminyaka engaphansi kweyi-18 ngosuku lwesicelo sakho sale malimboleko, isicelo sakho sizonqatshwa.

Ngaphezu kwalokho, akumele wedlule eminyakeni engu-59 ubudala ngosuku okulindeleke ukuba ibolekwe ngalo.

Uma isicelo sakho salesi mboleko samukelwa futhi saqinisekiswa ukuthi siyaphumelela, inani elifakiwe lizodluliselwa kwi-akhawunti yakho eyaziwa nge-Guaranty Trust Bank eNigeria.

Abantu abazisebenzayo bangathola futhi imali efinyelela ku-#1,000,000 (Isigidi se-naira) yemalimboleko esheshayo.

Kodwa-ke, uma uhola imali enkulu njengomholo, inani lakho lokufanelekela lingu- # 5,000,000 (ama-naira ayizigidi ezinhlanu).

Isicelo sakho sale mboleko esheshayo yaseNigeria sizokwenqatshwa uma unesikweletu ebhange noma kwesinye isikhungo sezezimali.

Isicelo sakho sizokwenqatshwa uma unomlando wokuhlolwa kwe-dud.

3. Izikweletu ze-Alat ngeWema Bank.

I-Alat yisinyathelo sebhange iWema - elinye lamabhange aphezulu e-2 eNigeria.

Ungasukuma uye ku-NGN. Imalimboleko engama-200,000 (i-naira eyizinkulungwane ezingamakhulu amabili) kulolu hlelo lokusebenza ngaphandle kokubambisana noma amaphepha.

Ukuze ubhalise kulo mkhiqizo, kufanele ulande kuphela i I-Alat Mobile Loan App ku-Playstore nerejista.

Ekubhalisweni okuphumelelayo, ungachofoza kuthebhu yemalimboleko ebekwe ngokusobala ekhoneni elilodwa lohlelo lokusebenza.

Akuthathi isikhathi eside ukuthi i-akhawunti yakho ifakwe uma ucela le malimboleko.

Lapho usuvuthiwe futhi unqamukile ngempumelelo, uzokwaziswa ngokufanele ngohlelo lokusebenza lwe-Alat.

4. URenmoney.

Ukuthola imali mboleko esheshayo kule yesikhulumi akunzima.

Ukuze ufaneleke, iminyaka yakho akumele ibe ngaphansi kwama-22 noma ngaphezulu kuka-59.

Le mboleko ayenzelwe abantu abangenawo umthombo wemali noma umsebenzi ozinzile.

Ngale nkundla, ungathola imalimboleko efinyelela phezulu njenge-NGN. 4,000,000 (Izigidi Ezine Naira).

Ukubuyiselwa kweMalimboleko yeRenMoney kuyashintsha futhi kusakazeka ezinyangeni eziyisishiyagalolunye.

Izinga lenzalo lalo mkhiqizo liphakathi kwe-4% ne-4.5% ngenyanga.

5. I-Zedvance (i-Instant Online Loan yaseNigeria ngaphandle kwemali).

IZedvance yabelana ngokufana okuningi noRenmoney.

Kufanele ube ne-akhawunti yomholo ngaphambi kokuthi ubhekwe ngaleli mboleko.

Ukuze ukhokhe, ungakhipha isheke noma udonse imali ngokuqondile ku-akhawunti yakho yasebhange.

Isikhathi esiphezulu sale mali mboleko yizinyanga eziyi-12 kanti izinga lenzalo liyahluka ukusuka ku-4% ukuya ku-4.5% kuye ngokuthi ukwazi ukuxoxisana kahle kangakanani.

Inani lakho elifanelekile ngumsebenzi weholo lakho lonke.

Ikhadi lomazisi elivumelekile elilawulayo nomthethosivivinywa wosizo wakamuva ngezinye zezidingo zaleli mboleko.

Isicelo semalimboleko yeZedvance singenziwa kwi-inthanethi.

6. I-Kwik Cash Instant Imalimboleko YaseNigeria.

Into enhle ngeKwik Cash ukuthi ungazikhethela izindlela ofuna ukwenza ngazo isicelo semalimboleko.

Kungakhathaliseki ukuthi uhlelo lokusebenza lwemalimboleko yeselula ye-Kwik Cach, ikhodi ye-USSD, noma inketho ye-inthanethi, usukulungele ukuhamba.

Ungenza izicelo ezifika ku-NGN. 15,000. Khokha imali mboleko emavikini angu-2 ukuze uthole enye.

Izidingo zale mali mboleko yeselula esheshayo yaseNigeria ziyisisekelo - nakuba uhlelo lokubuyisela alusatshalaliswanga isikhathi eside.

I-Kwik Cash ingabhekwa kangcono njengenketho yemalimboleko eklanyelwe ukuhlangabezana nezidingo zakho zesikhashana.

Inombolo yakho Yokuqinisekisa Ibhange (i-BVN) iyona ekwenza ufanelekele ukuthola umkhiqizo wemalimboleko osheshayo we-Kwik Cash.

7. Rosabon Ezezimali Nigeria okusheshayo Loan App.

IRosabon yisikhungo esisodwa sezezimali esiye saqhubeka nokweseka amabhizinisi amancane akhulayo eNigeria.

Le nkampani manje ingomunye wabahlinzeki abaphezulu ababolekwa imali mboleko yomuntu siqu.

Uma ungenawo umsebenzi, le mboleko akuyona eyakho.

Izinga lenzalo liphakathi kuka-4% kuya ku-6% ngenyanga futhi kufanele ube ne-ID yentela noma i-akhawunti yempesheni ukuze ufaneleke.

Uhlu lwebhonasi - Izinhlelo Zokubolekwa Kwemali mboleko Yeselula Esheshayo eziyi-3 zaseNigeria.

• Sokoloan ngo ISOKO LOKUBALULEKA INKAMPANI YENKAMPANI ENigeria.

Ukubuyekezwa Kwekhasimende leSokoLoan.

• IGatsha Instant Imalimboleko yaseNigeria.

Ukubuyekezwa Kwamakhasimende Kwemalimboleko Yeselula Yeselula Esheshayo - Nge-Playstore.

Igatsha ibhizinisi eliqhutshwa ngenhliziyo yegolide. Ukuzivumelanisa nezimo kwabo kungokwesibili kuya kokunye. Uzwela kakhulu. Izinga lenzalo elincane kanye nenzalo engekho ekukhokhweni sekwedlule isikhathi. Nginikela ama-kudos kubagqugquzeli. Kuyinto elula kakhulu kuwo wonke amakilasi emphakathini. Ezinwa Nwokocha.

Ukubhaliswa kokuqala kwegatsha Lomhlaba Wonke kulula futhi akuwona amaphepha amaningi. Imali engangiyibolekiwe yokuqala yayincane kakhulu kangangokuthi ngacishe ngayenqaba. Ngokombono wami oqotho, izinga lenzalo elingu-20% liphezulu kakhulu ukuthi imali mboleko ingaqedwa phakathi nezinsuku ezingama-28 zokuthatha imali mboleko, ngembuyiselo yokuqala ngosuku lwesi-1 lwemali mboleko. Abaphathi kufanele babheke izinga lenzalo elikhokhiswayo kanye nesikhathi sokubuyisela. Sicela ube nentshisekelo yamakhasimende/amakhasimende akho enhliziyweni. Siyabonga ngokuba nathi… Emmanuel Oluwaseun nge-playstore.

Funda izibuyekezo eziningi ze-Branch Loan in I-Playstore.

• Imali Esetshenziswayo nguRapidcash Nigeria.

Ukubuyekezwa Kwamakhasimende KweRapidcash - Nge-Playstore.

Thola Imalimboleko Eningi.

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