Ukuqinisekiswa kwesicelo setyala | UmKhokelo waseMzantsi Afrika

Ukuqinisekisa ulwazi malunga nesicelo setyala asinto yokuzikhethela phantsi komthetho waseMzantsi Afrika. Phambi kokunika intengo yemboleko, abaniki-nkonzo yeentengo zemboleko kufuneka bathathe amanyathelo afanelekileyo okuvavanya iindlela zemali zomboleki, amathuba, kunye nezibophelelo. Olo vavanyo luxhomekeke ngaphezu kwelizwi lomfaki-sicelo: lufuna ukuqinisekiswa kwengeniso, ingqesho, inkcitho, kunye nolungelelwaniso lwetyala elibhengeziweyo ngokuchasene nengxelo ye-credit bureaux. Xa uqinisekiso lungaphelelanga okanye lungaphaya, uvavanyo lokufikeleleka oluyisiphumo aluthembekanga, kwaye umniki-nkonzo yeentengo zemboleko usemngciphekweni wokufunyaniswa kokubolekwa kwemali ngokungakhathali phantsi koMthetho weNtengo weSizwe (NCA). Esi sikhokelo sichaza iinkqubo zokuqinisekisa isicelo setyala eMzantsi Afrika: into emayingqinisiswe, ingqinisiswe njani, ingena njani kwikhonkco lovavanyo, kwaye kutheni ibalulekile ekuthotyelweni kweNCA. Ngesakhelo esibanzi esixhaswe ngukuqinisekiswa, bona eyethu Isikhokelo sovavanyo lokufikeleleka.

Kutheni uQinisekiso lubalulekile phambi kokuba uBonelwe ngetyala

I-NCA ibophelela abaniki-nkonzo yeentengo zemboleko ukuba bathathe amanyathelo afanelekileyo okuvavanya iindlela zezimali ezikhoyo zomboleki kunye nezibophelelo phambi kokuba bangene kwisivumelwano sentengo yemboleko. “Amanyathelo afanelekileyo” atolikwa yiNational Credit Regulator (NCR) kunye neenkundla ukuba zibandakanye ukuqinisekiswa kolwazi olusekwe phezu kwalo uvavanyo. Ukwamkela umvuzo ochaziweyo, umsebenzi, okanye iindleko ngaphandle kokuzitshekisha akufane kwanele, ingakumbi kwizinto eziphathekayo. Xa umboleki kamva esilela okanye etyhola ngokuboleka imali ngokungakhathali, umniki-nkonzo yeentengo zemboleko kufuneka akwazi ukubonisa oko kuqinisekisiweyo, njani, kwaye isigqibo besisekelwe kwidatha ethembekileyo.Ngokwenyani, abafaki-zicelo banokuthi bawugqithise umvuzo wabo, bajonge phantsi amatyala akhoyo, okanye baveze amaxwebhu atshintshiweyo. Ngaphandle kokuqinisekiswa, umniki-nkonzo yeentengo zemboleko anganika i-R150,000 kumboleki onengeniso eyi-R12,000 kwaye nomvuzo wakhe ochaziweyo ibiyi-R22,000. I- LINK_1_ kunye nokubalwa kwengeniso echithwayo kuya kuba kuphosakele kwasekuqaleni, kwaye umboleki usenokungakwazi ukwenza inkonzo yetyala. Ukuqinisekisa lulawulo olugcina uvavanyo lokufikeleleka lusekelwe enyanisweni. Ikwadala umkhondo wophicotho-zincwadi: xa i-NCR okanye uphicotho-zincwadi lwangaphakathi luphonononga ifayile, balindele ukubona ubungqina bokuba ingeniso, ingqesho, kunye nezibophelelo ziqinisekisiwe, azichazwanga nje.

Ukuqinisekiswa kwesicelo seTyala eMzantsi Afrika: Yintoni eQinisekiswayo

Ukuqinisekiswa kuvavanyo lwesicelo setyala ngokuqhelekileyo kubandakanya imimandla emine: ingeniso, ingqesho, iindleko, kunye nolungelelwaniso lwezibophelelo ezibhengeziweyo kunye nedatha ye-bureau. Nganye inemithombo ethile kunye neendlela ezisetyenziswa ngabaniki-nkonzo ngeentengo zemboleko kunye nee-brokers eMzantsi Afrika.

Ukuqinisekiswa kwengeniso

Umvuzo sisiseko sokufikeleleka. Kufuneka ingqinwe kusetyenziswa amaxwebhu aphambili kunokuba yamkelwe kwifomu yesicelo kuphela. Imithombo eqhelekileyo iquka:

Iipayslip — Kubathengi abaqeshiweyo, iipayslip zamva nje (ezidla ngokuba ziinyanga ezimbini okanye ezintathu) zibonisa ingeniso epheleleyo, imali exhuzulwayo ngokusemthethweni (PAYE, UIF, pension), kunye nentsalela yentlawulo. Umvavanyi kufuneka ajonge ukuba igama lomqeshi, igama lomthengi, kunye nenombolo yesazisi aziguquki, ukuba uxwebhu lubonakala lolwenyani (ifomathi, uphawu, imihla), kwaye ingeniso yentsalela iyangqinelana noko kubhengeziweyo.
Iingxelo zebhanki— Iikhredithi zomvuzo kufuneka zingqinelane nesixa-mali esiseleyo kwi-payslip kunye nomqeshi oxeliweyo. Iiyantlukwano (umzekelo, iikhredithi ezisezantsi, imihla yokuhlawula eyahlukileyo, okanye abaqeshi abaninzi) ziqinisekisa ukuba ezinye iitshekhi. Iziteyitimenti zebhanki zikwaveza nenye ingeniso (yerenti, umntu ozisebenzelayo, utyalo-mali) esenokungabonakali kwiphetshana lomvuzo.
Isiqinisekiso somqeshi — Isiqinisekiso ngomnxeba okanye esibhaliweyo esivela kumqeshi sokuba umthengi uqeshiwe, kweyiphi indima, kwaye kowuphi umvuzo (okanye inqanaba lomvuzo) elongeza umaleko wesibini wokuqinisekisa kwaye unceda ekubhaqeni iipayslips zomgunyathi.
Amaxwebhu akwaSARS — Kubathengi abazisebenzelayo okanye abo banengeniso eguquguqukayo, iimbuyekezo zerhafu, izatifikethi ze-IRP5/IT3, okanye iileta ezivela kubasebenzi berhafu banokuxhasa ingeniso ebhengeziweyo. Ezi zintsonkothile ngakumbi ukuzitolika kodwa zibonelela ngereferensi ezimeleyo.

Ukuqinisekiswa kwengeniso kufuneka kuhambelane nesibonelelo: imali mboleko encinci engakhuselekanga inokuxhomekeka kwiipayslip kunye neengxelo zebhanki; isibonelelo esikhulu okanye imali yemoto inokufuna isiqinisekiso somqeshi okanye amaxwebhu ongezelelweyo. Undoqo kukubhala into efunyenweyo kunye nendlela esetyenziswe ngayo kuvavanyo.

Ukuqinisekiswa kwengqesho

Uqinisekiso lwengqesho luqinisekisa ukuba umboleki uqeshiwe njengoko kuchaziwe kwaye ingqesho iya kuqhubeka. Iindlela ziquka:

Isiqinisekiso ngomnxeba — Ukufowunela inombolo edwelisiweyo yomqeshi (efunyenwe ngokuzimeleyo apho kunokwenzeka, kungekhona kumenzi-sicelo) ukuqinisekisa ingqesho, umhla wokuqalisa, kunye nesikhundla. Iinkcukacha zoqhagamshelwano kufuneka ziqinisekiswe (umzekelo, kwiwebhusayithi esemthethweni yomqeshi okanye kwirejista) ukuze kuthintelwe ukuqinisekiswa nomntu wesithathu osebenzisana naye. -Ileta yengqesho — Ileta esemthethweni ekwiletahedi yenkampani echaza igama lomboleki, isazisi, isikhundla, umvuzo okanye uluhlu lomvuzo, kunye nobude bengqesho. Njengakwipheyslips, ileta kufuneka ijongwe ukuba iyahambelana na kwaye iyinyani na.
iirekhodi ze-UIF — Kwezinye iimeko, imbali yegalelo le-UIF okanye amaxwebhu anokuxhasa imbali yengqesho. Oku kusetyenziswa rhoqo njengetshekhi yesibini okanye apho enye isiqinisekiso sinzima.

Ukuqinisekiswa kwengqesho kunciphisa umngcipheko wokuqeshwa okungeyonyani okanye ukunyuswa kwamagama emisebenzi kwaye ixhasa ukucinga ukuba ingeniso iya kuqhubeka kwixesha lekhredithi.

Ukuqinisekiswa kwenkcitho

Iindleko zigqiba ukuba yimalini na ingeniso yomboleki ekhoyo kwinkonzo yetyala emva kweendleko zokuhlala. Iindleko ezichaziweyo zihlala zijongelwa phantsi, nokuba kungempazamo okanye kukuphucula iziphumo zovavanyo. Iinketho zokuqinisekisa ziquka:

Ibhengezwe xa ithelekiswa neyona nto — Thelekisa iindleko ezichaziweyo zomboleki (ezisuka kwifomu yesicelo okanye kwisibhengezo seendleko) kunye neepateni ezibonakalayo kwiingxelo zebhanki. Ukutsalwa ngokuphindaphindiweyo kwerenti, ibhondi, i-inshorensi, iifizi zesikolo, okanye imirhumo inika umfanekiso ocacileyo wenkcitho yokwenene.
Isiteyitimenti sebhanki ngokudibanisa iireferensi — Chonga ukuphuma rhoqo ngokodidi (izindlu, ezothutho, izinto eziluncedo, ukuthengisa) uze uzithelekise nezixa-mali ezibhengeziweyo. Izikhewu ezinkulu phakathi kweendleko ezibhengeziweyo kunye nezenyani kufuneka zilungelelaniswe okanye zichazwe; kungenjalo umvavanyi unokufuna ukusebenzisa inani leendleko eziphezulu ngeenjongo zokufikeleleka.
Umlinganiselo okanye iindleko zesiqhelo — Abanye abaniki-nkonzo yeentengo zemboleko kunye nabacebisi ngamatyala basebenzisa inkcitho eqhelekileyoizikhokelo (umzekelo. Imilinganiselo enxulumene ne-NCR okanye imilinganiselo yoshishino ngokwebhanti yengeniso) endaweni okanye ukongeza kwiindleko ezibhengeziweyo. Oku kunciphisa ukuthembela kwizibhengezo ezinokuthi zibe ngaphantsi kwaye kubeka umgangatho wovavanyo.

Ukuqinisekiswa kweendleko akufuni i-line-line-line forensics kwisicelo ngasinye, kodwa kufanele ukuba yanele ukuxhasa uqikelelo olufanelekileyo lweendleko zokuphila ukuze ingeniso elahlayo ingagqithiswa.

Ulungelelwaniso lwedatha ye-Bureau

Ityala elikhoyo lomboleki elibhengeziweyo kufuneka lingqinelane nengxelo ye-credit bureaux. I-Experian, iDatanamix, iTransUnion, kunye nezinye ii-bureaux zidwelisa ii-akhawunti ezisebenzayo, iibhalansi, izavenge, kunye nokuziphatha kwentlawulo. Ukuba umboleki uyayishiya okanye uyijongela phantsi i-akhawunti, ukubalwa kokufikeleleka kuya kuba kuphosakele. Uxolelaniso lubandakanya:

Ukuthelekisa amatyala abhengezweyo xa kuthelekiswa nezixelwe kwiziko — Yonke isibonelelo sekhredithi esibhengeziweyo kufuneka singqinelane ne-akhawunti ye-bureau apho kunokwenzeka. Nayiphi na i-akhawunti ye-bureau engabhengezwanga kufuneka ibandakanywe kwitotali yesibophelelo. Ukungangqinelani kwibhalansi okanye ngezavenge kufuneka kusonjululwe (umzekelo ngokusebenzisa inani eliphezulu okanye inani le-bureau apho lisanda kutshanje).
Kubandakanywa zonke izibophelelo zekhontrakthi — Isibophelelo senyanga sisonke esisetyenziswe kwi- ukufikeleleka kovavanyo kufuneka siquke zonke ii-akhawunti ezifuna intlawulo eqhubekayo: iibhondi, imali yemoto, imali-mboleko yobuqu, amakhadi ekhredithi (ubuncinane okanye intlawulo yesivumelwano), amakhadi evenkile, njalo njalo. Ukushiya ii-akhawunti ngenxa yokuba zingabhengezwanga ngunobangela oqhelekileyo wokufikeleleka ngokugqithisileyo kunye nokusilela kamva.

Bureau uconciliation iqinisekisa ukuba icala isibophelelouvavanyo lugqityiwe kwaye ikhonkco phakathi kwedatha ye-bureau kunye nesigqibo sicacile. Ngolwazi oluthe kratya malunga nokuba idatha yeofisi isetyenziswa njani kuvavanyo, bona izikhokelo zethu ku- Iingxelo zetyala zamava kunye Uhlalutyo lwengxelo yetyala leDatanamix.

Ikhonkco loQinisekiso: Ukusuka kwiSicelo ukuya kwiSigqibo

Ukuqinisekiswa akulonyathelo elinye; lukhonkco olusuka kwifomu yesicelo ngokusebenzisa amaxwebhu axhasayo kwidatha ye-bureau kwaye ekugqibeleni ukuya kwisigqibo sokuboleka imali. Ikhonkco ngalinye malizaliswe kwaye libhalwe.

Ifomu yesicelo — Umboleki uchaza ingeniso, ingqesho, iindleko, kunye nekhredithi ekhoyo. Esi sisiqalo, hayi isiphelo.
Amaxwebhu enkxaso — Iipheyliphu, izitetimenti zebhanki, iileta zengqesho, kunye (apho zisetyenziswe khona) namaxwebhu erhafu okanye enkcitho ayaqokelelwa aze angqinisiswe ukuze angqinelane nobunyani.
Idatha yeBureau — Ingxelo yekhredithi itsalwa kwelinye okanye ngaphezulu kwiziko. Izibophelelo ezichaziweyo zilungelelaniswa neeakhawunti ze-bureau; Iiakhawunti ezingachazwanga zibandakanyiwe.
Uvavanyo — Umvuzo (uqinisekisiweyo), iindleko (eziqinisekisiweyo okanye ezilinganisiweyo), kunye nezibophelelo (ezisuka kwi-bureau reconciliation) zidityanisiwe ukubala ingeniso echithwayo kunye ne-DTI. Isavenge esicetywayo sivavanywa ngokuchasene neso sikhundla.
Isigqibo — Isibonelelo, ukwala, okanye bhekisa. Isigqibo kufuneka silandelelwe kumagalelo aqinisekisiweyo nakwingqiqo yovavanyo.

Xa nayiphi na ikhonkco ibuthathaka-umzekelo, umvuzo owamkelwe ngaphandle kwe-payslips, okanye idatha ye-bureau engahambelani nezibhengezo-ikhonkco lonke liphazamisekile. Imigaqo-nkqubo yangaphakathi kufuneka ichaze ubuncinane bokuqinisekisa obufunekayo kwimveliso nganye okanye kwibhendi yokuvezwa, kwaye abavavanyi kufuneka balandeleulandelelwano olufanayo kwisicelo ngasinye ukuze uphicotho-zincwadi nophononongo lwe-NCR lubone inkqubo engaguqukiyo.

uQinisekiso loXwebhu kunye nokuFumana ubuqhophololo

Uqinisekiso luthatha ukuba amaxwebhu ngawenyani. Ngokwenyani, abanye abafaki-zicelo banikezela ngeepayslips ezitshintshiweyo okanye eziyinkohliso kunye neengxelo zebhanki. Ababoneleli ngetyala kunye nabarhwebi kufuneka bafake iitshekhi zoqinisekiso olusisiseko ukunciphisa umngcipheko worhwaphilizo.

Iipayslip — Khangela ukuba igama lomqeshi, ilogo, kunye nefomathi ziyangqinelana negama lomqeshi elaziwayo. Khangela ukuhlelwa okucacileyo (iifonti ezingangqinelaniyo, ulungelelwaniso olungangqinelaniyo, amanani amnyama okanye abhalwe ngaphezulu). Ukutsalwa kwentlawulo yentsalela kunye nokutsalwa kwiikhredithi zebhanki. Apho kunokwenzeka, qinisekisa nomqeshi.
Iziteyitimenti zebhanki — Khangela ifomathi engaguqukiyo, iipatheni zentengiselwano eziyinyani, kunye nolungelelwaniso phakathi kwemihla yeengxelo kunye neekhredithi zemivuzo. Iifonti ezingangqinelaniyo, amaphepha angekhoyo, okanye iingxelo ezingahambelaniyo ne-akhawunti echaziweyo okanye ixesha kufuneka zivuse uqinisekiso olungakumbi okanye lwale.
Iileta zengqesho — Qinisekisa ukuba iletahedi neenkcukacha zoqhagamshelwano ziyahambelana neenkcukacha ezisemthethweni zomqeshi. Umnxeba okhawulezayo kwinombolo echaziweyo (efunyenwe ngokuzimeleyo) inokuqinisekisa ukuba ileta iyinyani.

Ukuqinisekiswa kwamaxwebhu akufuni ubuchwephesha be-forensic kwifayile nganye, kodwa uluhlu lokuhlola olusemgangathweni kunye nenkcubeko yokuthandabuza xa amaxwebhu ebonakala engahambelani anceda ukukhusela ubuqhetseba ekungeneni kuvavanyo. Xa kurhanelwa ubuqhophololo, isicelo kufuneka saliwe kwaye umcimbi unyuswe ngokuhambelana nemigaqo-nkqubo yefemu.

Umxholo wokuThobela: iNCA, ukuBoleka imali ngokungakhathali, kunyeUkugcinwa kweeRekhodi

Ukuqinisekiswa ligalelo ngqo ekuthotyelweni kweNCA. ICandelo lama-81 lifuna ukuba abaniki-nkonzo yeentengo zemboleko bathathe amanyathelo afanelekileyo okuvavanya iindlela zezimali zomboleki kunye nezibophelelo phambi kokunika intengo yemboleko. Loo manyathelo abandakanya ukufumana kunye nokuqinisekisa ulwazi; ukwamkela izibhengezo ezingangqinisiswanga akunakwenzeka ukuba kuyanelisa umgangatho. ICandelo lama-82 liyakwalela ukungena kwisivumelwano sentengo yemboleko ngaphandle kokuthatha loo manyathelo kuqala. Xa uqinisekiso lutsitywa okanye lungaphaya, umniki-nkonzo yeentengo zemboleko akathathanga manyathelo afanelekileyo, kwaye uhlolo luyasilela.

Ilinki eya LINK_5_ icace gca. Phantsi kweCandelo lama-80, intengo yemboleko ingafunyanwa ingenankathalo ukuba umniki-nkonzo yeentengo zemboleko usilele ukwenza uhlolo olululo (iCandelo 80(1)(a)), okanye ungene kwisivumelwano nangona esazi okanye enesizathu sokwazi ukuba umboleki ebenamatyala ngokugqithisileyo (iCandelo 80(1)(b)(ii)). Ukuqinisekiswa okungaphelelanga kunokukhokelela kuzo zombini: uhlolo oluneziphene (kuba umvuzo okanye izibophelelo bezingalunganga) kunye nesigqibo ebesinokwahluka ukuba ubume benyaniso besaziwa. Ukukhusela isityholo sokuboleka imali ngokungenankathalo kufuna ukubonisa ukuba uqinisekiso lwenziwe, ukuba idatha esetyenzisiweyo ibithembekile, kwaye isiphelo besinengqiqo kweso siseko. Ngeemfuno zokugcina ezixhasa olu khuselo, bona inqaku lethu ku- Iimfuno zokugcina iirekhodi zeNCA.

Ukuqinisekiswa kwakhona kuchaphazela iPOPIA: amaxwebhu kunye nedatha ye-bureau iqulethe ulwazi lomntu. Ukuqokelelwa, ukusetyenziswa, kunye nokugcinwa kufuneka kuhambelane nePOPIA kunye nemigaqo-nkqubo yabucala yefemu. Ukufumana okungakumbi malunga nokuphatha idatha yekhredithi ngokusemthethweni, bona I-POPIA yokuthotyelwa kwedatha yekhredithi.

Isicelo esiSebenzayo: IsiqheloUkuqinisekisa Ukuhamba komsebenzi

Qwalasela umniki-nkonzo yeentengo zemboleko ovavanya isicelo se-R80,000 yemali-mboleko yobuqu engakhuselekanga, iinyanga ezingama-36, kumfaki-sicelo ovunyiweyo ochaza ingeniso eyintsalela ye-R18,000, iindleko zenyanga ezingama-R8,000, kunye neeakhawunti ezintathu ezikhoyo. Umsebenzi wokuqinisekisa owomeleleyo unokujongeka ngolu hlobo.

Umvuzo — Cela iipheyliphu ezimbini zamva nje kunye neengxelo zebhanki zeenyanga ezimbini. Qinisekisa ukuba intsalela yentlawulo kwi-payslip ihambelana nekhredithi yomvuzo kwi-akhawunti yebhanki kwaye igama lomqeshi liyahambelana. Ngokuzithandela, fowunela umqeshi (inombolo esuka kwiwebhusayithi yomqeshi) ukuze uqinisekise umsebenzi kunye nebhanti lomvuzo.
Iinkcitho — Hlaziya iidebhithi zebhanki zerenti okanye ibhondi, izinto eziluncedo, i-inshorensi, kunye nezinye izinto ezenzeka rhoqo. Ukuba ukuphuma kokwenene kungaphezulu kwe-R8,000, sebenzisa inani eliphezulu okanye umlinganiselo omiselweyo wovavanyo. Bhala ukuba lowuphi umfanekiso osetyenzisiweyo kwaye ngoba.
Izibophelelo - Tsala ingxelo ye-bureau (umzekelo. Experian okanye Datanamix). Tshatisa ii-akhawunti ezintathu ezibhengeziweyo kwii-akhawunti ze-bureau; yongeza naziphi na ii-akhawunti ezongezelelweyo ezivela kwiziko ezingakhange zibhengezwe. Shwankathela izavenge zenyanga zekhontrakthi kuzo zonke ii-akhawunti.
Uvavanyo — Bala ingeniso eshiyekileyo (eqinisekisiweyo) kuthatyathwe iindleko (eziqinisekisiweyo okanye eziphawulweyo) kuthatyathwe izibophelelo esele zikhona (ezisuka kwiziko). Jonga ukuba ingaba isavenge esitsha esicetywayo (umzekelo i-R2,800) siyangena na kwingeniso eseleyo enokulahlwa nokuba i-DTI iyonke ihleli ngaphakathi kumgaqo-nkqubo (umz. ngaphantsi kwama-40%).
Amaxwebhu — Ukurekhoda kwifayile: amaxwebhu afunyenweyo, amanyathelo okuqinisekisa enziwe, iziphumo zoxolelwaniso lwe-bureau, kunye nengqiqo yesigqibo. Oku kudala umkhondo wophicotho ofunekayoI-NCR kunye nokhuseleko lokuboleka imali ngokungakhathali.

Ulwakhiwo olufanayo lusebenza kubafaki-zicelo abasele bekulungele ukunikezela ngetyala: uqinisekiso luphucula umgangatho wombhobho kunye nokunciphisa ukufakwa okumoshakeleyo kubabolekisi. Ikwasebenza nakwizindululo zokwakhiwa ngokutsha kwabacebisi bamatyala: ingeniso eqinisekisiweyo kunye neendleko zixhasa izindululo ezikhuselekayo kunye nokuthotyelwa kwe-NCR.

Yeyabani Le

Esi sikhokelo sesabo baniki-nkonzo yeentengo zemboleko kunye nabarhwebi beentengo zemboleko eMzantsi Afrika ekufuneka baphumeze okanye baqinise iinkqubo zokuqinisekisa izicelo zetyala. Abaniki-nkonzo zeentengo zemboleko banoxanduva lomthetho lokuhlola ukufikeleleka phambi kokuba banike ikhredithi; Ukuqinisekiswa yindlela yokuqinisekisa ukuba uvavanyo lusekelwe kwinyani. Abarhwebi bamatyala baxhamla kwiinkqubo ezifanayo ukulungiselela abafaki-zicelo kwangaphambili ngokuchanekileyo kwaye babonise ababolekisi ngezicelo esele zixhaswa yidatha eqinisekisiweyo. Abacebisi bamatyala baya kufumana ingeniso, inkcitho, kunye namanyathelo oxolelaniso lweofisi xa ulungiselela ukuba sematyaleni ngokugqithisileyo uhlolo kunye nezindululo zohlengahlengiso.

Nokuba uvavanya ngaphakathi okanye usebenzisa iqonga elizinikeleyo lovavanyo lwetyala, imigaqo ihlala: qinisekisa umvuzo, ingqesho, kunye neendleko apho kunokwenzeka; ukulungelelanisa ityala elibhengeziweyo kunye nedatha ye-bureau; qinisekisa amaxwebhu; kunye noxwebhu lwekhonkco lokuqinisekisa ukuze zonke izigqibo zilandeleke kwaye zikhuseleke phantsi kweNCA.

Amanyathelo Alandelayo

Ukuqinisekiswa kwesicelo setyala uMzantsi Afrika luqeqesho olufunekayo phantsi kweNCA, hayi into eyongezelelweyo ongayikhetha. Ingeniso, ingqesho, iindleko, kunye noxolelwaniso lweofisi lwenza ikhonkco lokuqinisekisa elixhasa ukufikeleleka okufanelekileyo.uvavanyo kunye nokunciphisa ingozi yokuboleka imali ngokungakhathali. Ukuba umbutho wakho ufuna ukulungelelanisa amanyathelo okuqinisekisa, uwanxibelelanise nedatha ye-bureau ecwangcisiweyo, kwaye ugcine iindlela ezicacileyo zophicotho-zincwadi zokuthotyelwa, qhagamshelana ukuze ubone ukuba umsebenzi wovavanyo lwetyala olwenzelwe injongo unokuxhasa njani ukuqinisekiswa kwakho kunye nenkqubo yesigqibo.

Jonga ukuba ukuqinisekiswa okucwangcisiweyo kunye novavanyo lokufikeleleka kunokuxhasa njani ukuthotyelwa kweNCA yakhotact)