Uluhlu loPhicotho lweNCR lwabaCebisi kwezamaTyala

Uphicotho-zincwadi lwe-NCR lungafumana isaziso esincinci, kwaye abacebisi ngamatyala abaxhomekeke ekufakeni i-ad hoc kunye neerekhodi ezisasaziweyo bahlala bechitha iintsuku eziphazamisayo besakha kwakhona into esele ilungile. INational Credit Regulator yenza uphicotho lwabacebisi ngamatyala abhalisiweyo ukuze baqinisekise ukuthotyelwa koMthetho wamaTyala weSizwe, iMigaqo yeNgcebiso kuTyala, kunye nezibophelelo ezinxulumene noko. Ukusilela kuphicotho-zincwadi kungathetha izaziso zokuthotyelwa, izohlwayo, ukunqunyanyiswa, okanye ukucinywa kubhaliso. Uluhlu lokutshekisha uphicotho lwe-NCR lwabacebisi ngamatyala lukunika indlela ecwangcisiweyo yokuhlala ulungile uphicotho-zincwadi ukuze xa umlawuli efika, ukwazi ukuvelisa oko akufunayo ngaphandle koloyiko. Eli nqaku lichaza ukuba uphicotho-zincwadi lwe-NCR lubandakanya ntoni, libonelela ngoluhlu lokukhangela olusebenzayo oluququzelelwe ngummandla wophicotho-zincwadi, lichaza ifayile yetyala kunye neemfuno zerekhodi yezemali, liqaqambisa iziphumo eziqhelekileyo, kwaye libonisa indlela yokulungiselela kwangaphambili. Ngomxholo obanzi wolawulo, bona eyethu Isikhokelo sokuthotyelwa kweNational Credit Act.

Lubandakanya ntoni uPhicotho-zincwadi lwe-NCR

Ukuqonda ukuba yintoni ebangela uphicotho-zincwadi, ngubani oluqhubayo, kunye nento abayihlolayo kunciphisa ukungaqiniseki kwaye kukunceda ukuba ugxile kumalungiselelo akho.

Yintoni eyenza uPhicotho-zincwadi

I-NCR inokuphicotha umcebisi wamatyala njengenxalenye yolongamelo lwesiqhelo, ekuphenduleni izikhalazo zabathengi, emva kokhetho olungacwangciswanga, okanye xa inesizathu sokukholelwa ukuba ukungathotyelwa kwenzekile. Akukho mfuneko yokuba wenze nantoni na engalunganga ukuze uphicothwe. Umlawuli kufuneka abeke iliso kushishino kwaye uya kutyelela amacandelo ahlukeneyo abacebisi ababhalisiweyo. Izikhalazo ezivela kubathengi okanye abanikezeli bekhredithi zinokubangela ukuphicothwa okujoliswe kuko kwiifayile zakho kunye neenkqubo. Imihla ebekiweyo yokunika ingxelo ngokusemthethweni (efana nokungeniswa kweenkcukacha-manani zoluleko lwamatyala) nazo zinokutsalela ingqalelo ukuba iimbuyekezo zifike emva kwexesha, aziphelelanga, okanye azingqinelani. Akukho shedyuli imiselweyo eqinisekisa ukuba awuyi kuphicothwa kunyaka othile, ngoko ke ukuphatha unyaka nonyaka njengonyaka wophicotho-zincwadi yeyona ndlela ikhuselekileyo.

Ngubani oqhuba uPhicotho-zincwadi

Uphicotho lwenziwa ngabasebenzi be-NCR okanye abahloli abagunyazisiweyo. Ngokuqhelekileyo baya kuqhagamshelana nawe ukuze balungiselele umhla kwaye banokuchaza ukuba ngawaphi amaxwebhu abafuna ukuwabona kwangaphambili, okanye banokufika bacele ukufikelela kwindawo yakho kunye neerekhodi. Kufuneka usebenzisane kwaye uvelise iirekhodi ezifunwa yi-NCA kunye neMithetho yeeNgcebiso kuMatyala eMboleko. Ukwala ukufikelela okanye ukusilela ukuvelisa iirekhodi ezifunekayo kunokubangela ukuba kunyanzeliswe amanyathelo. Kukumdla wakho ukuba yonke into icwangciswe ukuze ukwazi ukuphendula ngokukhawuleza nangokupheleleyo.

Bajonge ntoni abaPhicothi

Abaphicothi-zincwadi bajonga ukuba usebenza ngaphakathi kwendawo yobhaliso lwakho, ukuba uyazigcina iirekhodi ezifunwa ngumthetho, ukuba iifayile zakho zetyala ziyawuxhasa umsebenzi owenzileyo, ukuba imirhumo kunye nokuphathwa kweakhawunti yetrasti kuyahambelana nemithetho, kwaye uphatha idatha yabathengi kunye nezikhalazo ngokufanelekileyo. Baza kusampula iifayile zetyala, baphonononge iirekhodi zemali, bajonge abasebenzi kunye neerekhodi zobhaliso, kwaye banokudliwano-ndlebe nawe okanye abasebenzi bakho. Injongo yabo kukuqinisekisa ukuba umsebenzi wakho uyahlangabezana nemigangatho ebekwe yiNCA kunye ne-NCR. Uluhlu lokutshekisha kwicandelo elilandelayo lucwangciswe malunga nezi ndawo zinye ukuze ukwazi ukulungelelanisa amalungiselelo akho noko kuvavanywa ngabaphicothi-zincwadi.

Uluhlu loPhicotho-zincwadi ngokweNgingqi

Sebenzisa olu luhlu lokukhangela njengoxwebhu olusebenzayo. Yiya kwindawo nganye ngamaxesha athile kwaye ulungise izikhewu phambi kokuba kufike isaziso sophicotho-zincwadi.

Ubhaliso kunye noGunyaziso

Isatifikethi sangoku sobhaliso lwe-NCR sibonisiwe kwaye siyasebenza; imihla yohlaziyo idayari.
Bonke abantu abanikezela ngeengcebiso ngetyala babhalisiwe ngabanye; akukho basebenzi bangabhaliswanga baqhuba iingcebiso.
Amanani obhaliso asetyenziswa ngokuchanekileyo kwimbalelwano, Ifom 17.2, kunye nentengiso.
Naluphi na utshintsho kwigama lomsebenzisi, idilesi, okanye iinkcukacha zoqhagamshelwano ziye zazisiwe kwi-NCR njengoko kufuneka.
Ubugcinile ubungqina Iimfuno zobhaliso lwe-NCR bokuthobela (iziqinisekiso, iziqinisekiso, njl.njl.) kwaye unokubuvelisa ukuba ubuceliwe.

Iifayile zetyala kunye noxwebhu

Ityala ngalinye lophononongo lwetyala linefayile enikezelweyo (yokoqobo okanye yombane) egqibeleleyo nenokuphinda ifumaneke.
Ifayile nganye inamaxwebhu afunekayo phantsi kweNCA kunye Iimfuno zokugcina iirekhodi zeNCA: isicelo, imvume, iingxelo zeofisi, ubungqina bengeniso/inkcitho, uvavanyo, isindululo sohlengahlengiso, amaxwebhu enkundla, kunye nembalelwano.
Iingxelo zeBureau (Experian, Datanamix, TransUnion) ezisetyenziselwa ukuvavanya zigcinwa ngeentsuku ezicacileyo kwaye ziinguqulelo eziye zasetyenziselwa isigqibo.
Kukho umkhondo wophicotho okucacileyo okunxibelelanisa idata yeofisi, uhlolo lokufikelela, kunye nesindululo sohlengahlengiso okanye iingcebiso.
Amanqaku efayile kunye nezigqibo eziphambili zibhalwe umhla kwaye zibangelwa; akukho manqaku angabhalwanga okanye angaziwa.
Iifayile zigcinwa ixesha elipheleleyo elifunwa ngumthetho (ngokwesiqhelo iminyaka emihlanu emva kokuqukunjelwa komcimbi okanye njengoko kumiselweyo).

Iingxelo zezeMali kunye neAkhawunti yeTrasti

I-akhawunti yetrasti eyahlukileyo igcinelwe iimali zabaxumi; akukho kudityaniswa neofisi okanye iimali zomntu.
Ulungelelwaniso lweakhawunti yetrasti lwenziwa ubuncinane ngenyanga kwaye luyagcinwa.
Yonke imirhumo ethatyathwe kubathengi ihambelana nolwakhiwo lomrhumo olumiselweyo kwaye irekhodwa ngokufanelekileyo kwaye iyathetheleleka.
Ukutsalwa kwemali kwi-akhawunti yetrasti kwenzelwa iinjongo ezivumelekileyo kuphela (iintlawulo ezenziwa ngenxa yesenzo, iintlawulo kubaniki-nkonzo zeentengo zemboleko njengoko bekuvunyelwene, ukubuyiselwa imali) kwaye zibhaliwe.
Iziteyitimenti zebhanki, iishedyuli zemirhumo, neerekhodi zentlawulo ziyagcinwa kwaye zinokuveliswa ngeli xesha lophicotho-zincwadi.

uNxibelelwano lwaBathengi kunye nokuVeza

Abathengi bafumana isibhengezo esifunekayo sothethathethwano (iindleko, inkqubo, amalungelo) phambi kokuba batyikitye.
Lonke unxibelelwano oluphathekayo kunye nabathengi (kwaye, apho kufanelekileyo, abaniki-nkonzo yeentengo zemboleko) luyarekhodwa okanye luyagcinwa.
Abathengi bazisiwe ngenkqubela kunye namanyathelo abonakalayo kumcimbi wabo; kukho ubungqina boku kwifayile.
Akukho ntengiso ilahlekisayo okanye engalunganga; Naziphi na iintengiso okanye amabango ewebhusayithi ayahambelana nobhaliso lwakho kunye ne- Indlela yokuziphatha ye-CBA apho kuyimfuneko.

Ukuphatha izikhalazo

Unenkqubo ebhaliweyo yokufumana nokuphendula izikhalazo zabathengi.
Izikhalazo zifakiwe kunye nomhla ofunyenweyo, uhlobo, kunye nesiphumo.
Iimpendulo zinikwa ngexesha elifanelekileyo kwaye zibhaliwe.
Ukuba i-NCR idlulisela isikhalazo kuwe, unayo irekhodi yodluliselo kunye nempendulo yakho.

I-POPIA kunye noKhuseleko lweDatha

Idatha yabathengi kunye nekhredithi zisetyenzwa ngokuhambelana ne- I-POPIA; unesiseko esicacileyo sokuqokelela nokusebenzisa ulwazi lomntu.
Idatha igcinwe ngokukhuselekileyo; ukufikelela kulinganiselwe kwabo bayifunayo kwityala okanye ukuthotyelwa.
Ungabonisa ukuba uqwalasele ugcino kunye nokucima ngokuhambelana nePOPIA kunye neNCA.

Abasebenzi kunye noQeqesho

Bonke abacebisi banobhaliso lwangoku kunye neziqinisekiso ezifunekayo.
Kukho iirekhodi zophuhliso oluqhubekayo okanye uqeqesho apho i-NCR okanye iqumrhu lakho lobuchwephesha likufuna oko.
Iindima noxanduva lucacile; ugunyaziso kubasebenzi abangabhaliswanga (umzekelo admin) alunwenweli kwimisebenzi yoluleko lwamatyala.

IiMfuno zoXwebhu lweFayile yeNgcaciso

Abaphicothi-zincwadi baya kuvula iifayile zesampula kwaye balindele ukubona ibali elipheleleyo: indlela umthengi eze ngayo kuwe, wenze ntoni, kwaye yintoni umphumo. Izikhewu apha ngomnye wemithombo eqhelekileyo yeziphumo zophicotho.

Yonke ifayile yomxhasi kufuneka iqulathe oku kulandelayo, ngokuhambelana inkqubo yokuphonononga amatyala kunye nolindelo lweNCA:

Isicelo nemvume: Isicelo esityikityiweyo sokucetyiswa ngamatyala kunye nemvume yemibuzo ye-bureau kunye nokubhengezwa kubanikezeli bekhredithi.
Iingxelo ze-Bureau: Iingxelo ezichanekileyo ezisetyenziselwa uvavanyo, ukusuka kwi-ofisi enye okanye ngaphezulu (umzekelo, i-Experian, i-Datanamix, i-TransUnion), kunye nomhla wokutsalwa kunye nokudibanisa okucacileyo kuvavanyo.
Ingeniso kunye nolwazi lweendleko: Amaxwebhu okanye amanqaku axhasa ingeniso yomthengi kunye neendleko ezisetyenziswe ekubaleni ukufikeleleka.
Irekhodi lovavanyo: Irekhodi yokutshona ematyaleni ngokugqithisileyo kunye novavanyo lokufikeleleka, ebonisa ukuba ufikelele njani kwisigqibo kunye nendlela uhlenga-hlengiso olucetywayo lwathetheleleka ngayo.
Isiphakamiso sohlenga-hlengiso: Isindululo esithunyelwe kubaniki-nkonzo yeentengo zemboleko (kunye nazo naziphi na izilungiso), kunye nobungqina bokungeniswa kunye, apho kuyimfuneko, namaxwebhu enkundla.
Imbalelwano: Imbalelwano engundoqo kunye nomboleki kunye nabaniki-nkonzo yeentengo zemboleko, kubandakanywa iifomu zemvume, iileta zokukhaba/zokwamkela, kunye nembalelwano enxulumene nenkundla.
Isivumelwano sentlawulo nentlawulo: Ubungqina besivumelwano sentlawulo kunye nokuba imirhumo yabhengezwa yaza yabizwa ngokuhambelana nolwakhiwo olumiselweyo.

Ukuba iifayile zakho zigcinwe kwi- isoftware yokucebisa amatyala okanye inkqubo yolawulo lwamaxwebhu, qinisekisa ukuba inkqubo ixhasa ukufunyanwa ngokupheleleyo ngokwemeko kwaye umzila wophicotho (ngubani wenze ntoni, nini) uyagcinwa. Abaphicothi-zincwadi baya kufuna ukubona ukuba amaxwebhu akwifayile ngawo lawo aye asetyenziswa ngexesha lesigqibo, hayi ukutshintshwa kamva.

Iingxelo zezeMali kunye nokuThotyelwa kweAkhawunti yeTrasti

I-NCR ikuthathela ngqalelo ukuthotyelwa kwe-akhawunti yetrasti. Ukudibanisa imali yabathengi kunye neengxowa-mali ze-ofisi, okanye ukusilela ukulungelelanisa kunye neentshukumo zamaxwebhu, yindlela ekhawulezayo eya kwiziphumo ezibi.

Gcina i-akhawunti yetrasti ezinikeleyo kuzo zonke iimali zabaxumi. Musa ukuyisebenzisela iindleko zokuziqhelanisa nokusebenza. Rekhoda zonke iirisithi (iintlawulo, iintlawulo ezivela kubaboleki ukuze zihanjiswe kubaniki-nkonzo yeentengo zemboleko) kunye nayo yonke intlawulo ephumayo (iintlawulo ekufuneka uzihlawule, iintlawulo kubaniki-nkonzo yeentengo zemboleko, ukubuyiselwa kwemali). Ukulungelelanisa i-akhawunti ye-trust ubuncinane ngenyanga kwisiteyitimenti sebhanki kwaye ugcine olo xolelaniso kwifayile. Qinisekisa ukuba ukuxhuzulwa kwentlawulo kuhambelana nolwakhiwo lwentlawulo olumiselweyo kwaye utsalo ngalunye lubotshelelwe ngokucacileyo kwimeko ethile kunye nakwintlawulo ekuvunyelwene ngayo. Ukuba abaphicothi-zincwadi bacela isampuli yeentengiselwano ze-akhawunti ye-trust, kufuneka ukwazi ukuvelisa ifayile ephantsi, isivumelwano sentlawulo, kunye nobungqina bokuba nelungelo lokurhoxiswa ngalunye. Gcina iziteyitimenti zebhanki, iziliphu zediphozithi, kunye neerekhodi zentlawulo zexesha elipheleleyo lokugcinwa elifunwa yiNCA kunye nezibophelelo zakho zobungcali.

Iziphumo zoPhicotho oluQhelekileyo kunye nalapho abaCebisi Babanjwa khona

Ukwazi apho abanye basilela khona kukunceda uphephe imigibe efanayo.

Iifayile zetyala ezingaphelelanga okanye ezingekhoyo: Iifayile ezingenayo imvume esayiniweyo, iingxelo zeofisi, okanye irekhodi ecacileyo yovavanyo. Abaphicothi-zincwadi abanakuqinisekisa ukuba inkqubo ibithobelana ukuba ifayile ayibonisi ukuba kwenziwa ntoni na kwaye nini.

Akukho mkhondo ucacileyo wophicotho-zincwadi: Izigqibo ezingenako ukunxulunyaniswa nedatha yeziko nakwizibalo ezisetyenzisiweyo. Ukugcina kuphela iileta zokugqibela okanye iiPDF ngaphandle kwezitampu zexesha kunye nophawu lomsebenzisi kwenza kube nzima ukubonisa ukuba uvavanyo lwenziwe ngokufanelekileyo ngelo xesha.

Izitenxo ze-akhawunti yetrasti: Ukusebenzisa i-akhawunti yetrasti ngeenjongo ezingavumelekanga, uxolelwaniso lwasemva kwexesha okanye olulahlekileyo, okanye iifizi ezingahambelaniyo nesakhiwo esimiselweyo okanye isivumelwano sentlawulo esikwifayili.

Ubhaliso nogunyaziso: Abantu abangabhaliswanga abenza iingcebiso ngetyala, okanye abasebenzisa ubhaliso lomnye umcebisi ngendlela engafanelekanga. Iinkcukacha zobhaliso eziphelelwe lixesha okanye ezingachanekanga kwimbalelwano okanye kwiziko lewebhu.

Izikhalazo nonxibelelwano: Akukho ludwe lwezikhalazo, okanye akukho bungqina bendlela ezisonjululwe ngayo. Ukungabikho kokuchazwa kubathengi malunga neendleko kunye nenkqubo phambi kothethathethwano.

Ukukhuselwa kwedatha: Akukho siseko sicacileyo sokubamba nokusebenzisa idatha yobuqu, okanye ulawulo olulambathayo lokuba ngubani onokufikelela kwiifayile zabaxumi. Oku kuthelelana nge- Ukuthotyelwa kwePOPI kwaye kuqwalaselwa ngakumbi.

Ukugcinwa kwerekhodi: Iifayile okanye iingxelo zemali zitshatyalalisiwe okanye zilahlekile ngaphambi kokuphela kwexesha elifunekayo lokugcinwa. Ukungakwazi ukuvelisa iirekhodi xa ziceliwe.

Ukujongana nale mimandla ngokucwangcisiweyo kusetyenziswa olu luhlu lokutshekisha lungasentla kunciphisa kakhulu umngcipheko weziphumo ezibi.

Ukulungiselela ngokuSebenzayo: Iinkqubo kunye neMikhwa

Ukulungela uphicotho-zincwadi kokwakhelwa kwindlela osebenza ngayo, hayi ukubotshwa xa ufumana isaziso.

Sebenzisa uludwe lokukhangela rhoqo. Cwangcisa uphononongo lwekota okanye kabini ngonyaka apho wena okanye umsebenzi onoxanduva usebenza kwicandelo ngalinye loluhlu lokukhangela kwaye ulungise izikhewu. Yiphathe njengophicotho oluhlekisayo.

Ifayile yemeko esemgangathweni yomxholo. Chaza ubuncinane iseti yamaxwebhu kunye namanqaku kwityala ngalinye elitsha kwaye uqinisekise ukuba yonke ifayile iyahlangabezana naloo mgangatho phambi kokuba ivalwe. Sebenzisa itemplates kunye iinkqubo ezicwangcisiweyo ukuze kungabikho nto ishiywe kwinkumbulo.

Sebenzisa iisistim ezixhasa ukuthotyelwa kwemigaqo. Ispreadsheets kunye neefolda ezikhululekileyo zenza kube nzima ukugcina iindlela zophicotho ezingaguqukiyo kunye nokugcinwa kwazo. Injongo-ezakhelwe iingcebiso zamatyala okanye izixhobo zolawulo lwetyala ezenza imilinganiselo yexesha, zinike abasebenzisi, kunye nokugcina iingxelo ze-bureau ezinxulunyaniswa novavanyo zinciphisa umngcipheko wamaxwebhu angekhoyo okanye angangqinelaniyo. Injongo kukuba neenkqubo ezivelisa iirekhodi ezifanelekileyo njengemveliso yomsebenzi oqhelekileyo.

Gcina ubhaliso kunye noqeqesho lusexesheni. Yenza imihla yohlaziyo lwe-NCR, imihla emisiweyo ye-CPD, kunye nazo naziphi na izibophelelo zesaziso. Ukuqinisekisa ukuba ngabacebisi ababhalisiweyo kuphela abenza imisebenzi elawulwayo kunye nokuba iinkcukacha zabo zezangoku kwi-NCR.

Gcwalisa imigaqo-nkqubo yakho. Yiba neenkqubo ezibhaliweyo (okanye ubuncinane ezicacileyo, amanyathelo abhaliweyo) zokusingatha izikhalazo, ulawulo lwe-akhawunti yetrasti, ukuvulwa nokuvalwa kweefayile, kunye nokugcinwa kwedatha. Abaphicothi-zincwadi bayabuxabisa ubungqina bokuba uye wacinga ngezibophelelo zakho kwaye uzibethelele kumsebenzi wakho.

Xa i-NCR iqhagamshelana nawe, phendula ngokukhawuleza, uvelise oko uceliweyo, kwaye ugcine ikopi yayo yonke into oyingenisayo. Ukuzola, impendulo ecwangcisiweyo ibonakalisa kakuhle ukuziqhelanisa kwakho kwaye inciphisa ithuba lokunyuka.

Hlala uPhicotho-uLungele unyaka wonke

Uluhlu lokutshekisha lwe-NCR lwabacebisi ngamatyala luluncedo kuphela ukuba uyalusebenzisa. Sebenza kwindawo nganye, lungisa izikhewu, kwaye uphinde ujonge uluhlu lokutshekisha rhoqo ukuze xa umlawuli ebuza iirekhodi zakho, unokuphendula ngokuzithemba. Iisistim ezakhelwe injongo ezigcina iifayile zetyala, idatha ye-bureau, kunye neendlela zophicotho kwindawo enye zenza kube lula ukuhlala ulungile uphicotho ngaphandle kokukrazula ngomzuzu wokugqibela.

Jonga indlela ecwangcisiweyo yovavanyo lwetyala kunye namaxwebhu etyala anokugcina uphicotho-zincwadi lwakho lokuziqhelanisa lulungile