Ukuboleka imali ngokungakhathali phantsi kweNCA | Isikhokelo sokuThotyelwa kweSA
Qonda imithetho yokuboleka imali ngokungakhathali phantsi kweNCA yoMzantsi Afrika kunye nento ekufuneka abaniki-nkonzo yeentengo zemboleko beyenze ngexesha lokukhangela ukubanakho ukufikeleleka ukuthintela ukutyeshelwa kokuthotyelwa kwemithetho.
Ukuboleka imali ngokungakhathali ngomnye wemingcipheko emandla kubaniki-nkonzo yeentengo zemboleko phantsi kweNational Credit Act (NCA). Iziphumo - ukusuka kwizivumelwano eziphuhliweyo ukuya kwityala lolwaphulo-mthetho - zinzima. Nangona kunjalo ababoneleli abaninzi basaswele iinkqubo zovavanyo ezicwangcisiweyo ezifunekayo ukubonisa ukuthotyelwa. Xa umboleki etyhola ukuba intengo yemboleko inikwe ngokungenankathalo, umthwalo uwela kumniki-nkonzo yeentengo zemboleko ukubonisa ukuba uvavanyo olululo lwenziwe. Ngaphandle kwamaxwebhu acacileyo, imigaqo esemgangathweni, kunye nekhonkco elilandelekayo phakathi kwedatha ye-bureau kunye nezigqibo zokubolekisa, ukukhusela kumabango anjalo kuba nzima.
Izibonelelo ze-NCA zokuboleka imali ngokungakhathali zikhona ukuze zikhusele abathengi ekubeni banikwe intengo yemboleko abangenako ukuyifikelela okanye abangayiqondiyo. Kubaniki-nkonzo yeentengo zemboleko, la malungiselelo adala isibophelelo somthetho sokuvavanya ukufikeleleka kunye nokuqonda komboleki phambi kokuba kwandiswe intengo yemboleko. I-National Credit Regulator (NCR) ilindele indlela yokwenza izigqibo ezingaguqukiyo, amaxwebhu afanelekileyo, ukulandeleka, kunye nokuthetheleleka kweziphumo. Eli nqaku licacisa ukuba kuthetha ukuthini intengo yetyala ngokungakhathali phantsi kweNCA, zeziphi izibophelelo abajongana nazo abaniki-nkonzo yeentengo zemboleko, kunye nendlela yokuzakha iinkqubo ezibonisa ukuthotyelwa. Ukufumana amagqabantshintshi eemfuno zokuthobela iNCA, bona eyethu isikhokelo esibanzi sokuthotyelwa kweNational Credit Act.
Ithini iNCA malunga neTyala lokungakhathali (Amacandelo 80-83)
I-NCA ichaza i-reckless credit kwiCandelo lama-80. Ikhredithi ithathwa njengengenankathalo ukuba inikwe kwenye yeemeko ezintathu. Okokuqala, umniki-nkonzo yeentengo zemboleko usilele ukwenza uhlolo olululo lweendlela zemali zomboleki ezikhoyo, amathuba, kunye nezibopheleloukunika ikhredithi. Okwesibini, umniki-nkonzo yeentengo zemboleko uye walwenza uhlolo kodwa wangena kwisivumelwano sentengo yemboleko nangona esazi okanye enesizathu sokwazi ukuba umboleki akabuqondi umngcipheko, iindleko, okanye izibophelelo zentengo yemboleko ecetywayo. Okwesithathu, umniki-nkonzo yeentengo zemboleko ungene kwisivumelwano sentengo yemboleko nangona esazi okanye enesizathu sokwazi ukuba umboleki ebesematyaleni ngokugqithisileyo.
Udidi lokuqala - ukusilela ukwenza uvavanyo olufanelekileyo - lolona luthe ngqo. Ukuba unikezela ngetyala ngaphandle kokuthatha amanyathelo afanelekileyo okuvavanya ubume bemali bomboleki, awukhange uhlangabezane nezibophelelo zakho phantsi kweCandelo 81. Oku akuthethi ukuba kufuneka wenze uphando olubanzi, kodwa kufuneka uthathe amanyathelo afanelekileyo okuvavanya iindlela zemali ezikhoyo, izibophelelo, kunye nembali yokuhlawula amatyala. Yintoni eyenza “amanyathelo afanelekileyo” axhomekeke kwiimeko, kuquka isixa setyala, uhlobo lwemveliso yetyala, kunye nolwazi olukhoyo kuwe.
Udidi lwesibini lujongana nokuqonda kwabathengi. Nokuba uqhuba uvavanyo lokufikeleleka, intengo yetyala isenokungakhathali ukuba umboleki ebengayiqondi imingcipheko, iindleko, okanye izibophelelo. Oku kufuna ukuba uqwalasele ukuba ngaba umthengi unaso na isakhono sokuqonda imigaqo. Izinto ezinjengemiqobo yolwimi, inqanaba lemfundo, okanye ukuntsonkotha kwemveliso kusenokuba yimfuneko. I-NCA ilindele ukuba abaniki-nkonzo yeentengo zemboleko baveze ulwazi ngokucacileyo kwaye baqinisekise ukuba abathengi banokwenza izigqibo benolwazi.
Udidi lwesithathu - ukunika ikhredithi kumthengi onamatyala amaninzi - mhlawumbi yeyona nto isebenzayoebalulekileyo. Ukuba uhlolo lwakho lubonisa ukuba umboleki sele enamatyala amaninzi, kwaye uqhubeka nokuba kunjalo, usengozini yokufumana ikhredithi engakhathaliyo. Oku kudala ikhonkco elithe ngqo phakathi kwenkqubo yokuhlola ukufikeleleka kwakho kunye nokuvezwa kwakho ngokwasemthethweni. Kufuneka ube neekhrayitheriya ezicacileyo zokumisela ukuba netyala eligqithisileyo, usebenzise ezo nqobo ngokungaguqukiyo, kwaye ubhale ukuba ufikelele njani kwisigqibo sokuba ikhredithi ibifanelekile okanye ibingafanelekanga.
Icandelo 81 libeka uxanduva lovavanyo ngokucacileyo. Phambi kokungena kwisivumelwano sentengo yemboleko, umniki-nkonzo yeentengo zemboleko kufuneka athathe amanyathelo afanelekileyo okuvavanya ukuqonda ngokubanzi komboleki ngeengozi kunye neendleko zentengo yemboleko ecetywayo, amalungelo kunye nezibophelelo phantsi kwesivumelwano sentengo yemboleko, kunye nembali yokuhlawula ityala lomboleki njengomboleki phantsi kwezivumelwano zentengo yemboleko. Umniki-nkonzo yeentengo zemboleko kufuneka kwakhona athathe amanyathelo afanelekileyo okuvavanya iindlela zezimali ezikhoyo zomboleki, amathuba, kunye nezibophelelo. Olu vavanyo kufuneka lusekelwe kulwazi olukhoyo kumniki-nkonzo yeentengo zemboleko, kubandakanywa nolwazi olunikwe ngumboleki kunye nolwazi olufunyenwe kwiziko eligcina inkcazelo ngeentengo zemboleko.
IsiBonelelo soVavanyo lokufikeleleka
ICandelo lama-81 lifuna ukuba abaniki-nkonzo yeentengo zemboleko bathathe amanyathelo afanelekileyo okuvavanya ukufikeleleka. Oku kuthetha ukuthini ekusebenzeni kuxhomekeke kumxholo, kodwa izinto ezithile zilindeleke rhoqo. Kufuneka uwuvavanye umvuzo womboleki kwaye uwuqinisekise apho kunokwenzeka. Kufuneka uvavanye izibophelelo zetyala esele zikhona kunye nemiqathango yazo yokuhlawula. Kufuneka uqwalasele iindleko zomboleki kunye neendleko zokuhlala. Kwaye kufuneka ubale ukuba ikhredithi ecetywayoisavenge, sidityaniswe nezibophelelo ezikhoyo, siyafikeleleka.
Ukuqinisekiswa kwengeniso kubalulekile. Kufuneka ucele ubungqina bengeniso - iipayslips, izitetimenti zebhanki, okanye amanye amaxwebhu - kwaye uqinisekise ukuba umvuzo uzinzile kwaye unokuqhubeka. Kubathengi abazisebenzelayo okanye abo banomvuzo oguquguqukayo, kunokufuneka ujonge iipateni zexesha elide okanye usebenzise uqikelelo olululo. I-NCR ilindele ukuba abaniki-nkonzo yeentengo zemboleko bagqithele ngaphaya kokwamkela nje ingeniso echaziweyo ngaphandle kokuqinisekiswa, ngakumbi kwiimali ezinkulu zeentengo zemboleko.
Uhlalutyo lwetyala olukhoyo lufuna ukuba uqonde izibophelelo zangoku zomboleki. Oku kuthetha ukutsalwa kweengxelo ze-credit bureau kwi-Experian, Datanamix, okanye TransUnion ukubona ukuba zeziphi izivumelwano zetyala esele zikhona. Kufuneka uchonge zonke ii-akhawunti ezisebenzayo, iibhalansi zazo, izavenge zazo eziphantsi, kunye nemigaqo yazo yokuhlawula. Ngaphandle komfanekiso opheleleyo wetyala elikhoyo, awukwazi ngokuchanekileyo ukuba ngaba ikhredithi eyongezelelweyo iyafikeleleka.
Uqikelelo lwenkcitho lucelomngeni ngakumbi kodwa kusafuneka. Ngelixa ungenazo iinkcukacha zenkcitho, kufuneka uqwalasele iindleko ezifanelekileyo zokuhlala ezisekelwe kwinqanaba lomvuzo kunye neemeko. Abanye abaniki-nkonzo yeentengo zemboleko basebenzisa umlinganiselo weendleko omiselweyo okanye imilinganiselo, ngelixa abanye becela izibhengezo zeendleko kubathengi. Undoqo kukuba ube nendlela engaguquguqukiyo kunye nokubhala ukuba iindleko ziqikelelwe njani.
Ubalo lwetyala-kwingeniso luzisa ezi zinto kunye. Kufuneka ubale iimbophelelo zenyanga zizonke zomboleki njengepesenti yomvuzo wakhe wenyanga. Imilinganiselo yoshishinoziyahluka, kodwa abaniki-nkonzo beentengo zemboleko abaninzi basebenzisa imiqobo efana ne-30% okanye i-40% yengeniso eshiyekileyo kwityala elingakhuselekanga. Isavenge setyala esitsha esicetywayo kufuneka songezwe kwizibophelelo ezikhoyo ukuze kubonwe ukuba itotali ihleli ngaphakathi kwemida eyamkelekileyo. Ezi zibalo kufuneka zibekwe emgangathweni kuwo wonke umbutho wakho ukuze abathengi abafanayo bavavanywe rhoqo.
Uvavanyo kufuneka lubhalwe. Kufuneka urekhode ukuba loluphi ulwazi oluphononongileyo, loluphi ubalo olwenzileyo, kwaye ufikelele njani kwisigqibo sokunika okanye ukulandula ikhredithi. La maxwebhu ayimfuneko kungekuphela nje kulawulo lomgangatho wangaphakathi kodwa nasekukhuseleni izityholo zokubolekisa ngemali ngokungakhathali. Ukuba umboleki kamva ubanga ukuba intengo yemboleko inikwe ngokungenankathalo, kufuneka ukwazi ukubonisa ukuba loluphi uvavanyo olwenziweyo kwaye kutheni isigqibo besifanelekile.
Kuthetha ukuthini “Ukuba Namatyala Ngokugqithisileyo” Phantsi kweNCA
ICandelo lama-79 le-NCA lichaza ukuba namatyala ngokugqithisileyo. Umboleki usematyaleni ngokugqithisileyo xa ukubekwa kwangaphambili kolwazi olukhoyo lubonisa ukuba umboleki akanako okanye akanako ukwanelisa ngexesha elifanelekileyo zonke izibophelelo phantsi kwezivumelwano zentengo yemboleko apho umboleki ayinxalenye yazo. Olu luvavanyo olujonge phambili: kufuneka uvavanye ukuba ngaba umthengi angahlangabezana nazo zonke izibophelelo ukuya phambili, hayi nje ukuba zisangoku na namhlanje.
Umgangatho “wokubakho kolwazi olukhoyo” uthetha ukuba kufuneka uqwalasele lonke ulwazi olufanelekileyo olufumaneka ngokufanelekileyo kuwe. Oku kubandakanya ulwazi olunikezelwe ngumboleki, ulwazi oluvela kwiingxelo ze-credit bureau, kunye nalo naluphi na olunye ulwazi oluqokelele ngexeshainkqubo yovavanyo. Awungekhe uluhoye ulwazi olucebisa ukuba netyala eligqithisileyo kuba nje olunye ulwazi luthandeka ngakumbi.
Umlinganiselo wetyala-kwingeniso sisalathisi sokuqala. Ukuba iimbophelelo zamatyala enyanga omboleki zizonke zingaphezulu kwepesenti efanelekileyo yomvuzo wakhe - amaxesha amaninzi i-40% okanye ngaphezulu yengeniso yentsalela yetyala elingakhuselwanga - basenokuba batshone kakhulu ematyaleni. Nangona kunjalo, umlinganiselo wodwa awuqinisekanga. Kufuneka kwakhona uqwalasele uzinzo lomvuzo womboleki, amanqanaba enkcitho, kunye nezinye izinto ezichaphazela ukukwazi kwabo ukuhlawula.
Iindlela zokuziphatha ze-akhawunti ezivela kwiingxelo ze-credit bureau zibalulekile. Umboleki osoloko esenza iintlawulo ngexesha kwii-akhawunti ezininzi usenokubekwa kwindawo engcono yokusingatha ikhredithi eyongezelelweyo kunomntu oneentsilelo zamva nje okanye osemva, nokuba umlinganiselo wetyala lakhe kwingeniso uyafana. Uluhlu olubi, izigwebo, okanye imiyalelo yolawulo zizalathisi ezinamandla zoxinzelelo lwezemali kwaye kufuneka zifakwe kuvavanyo.
Ixesha lezibophelelo libalulekile. Umthengi unokukwazi ukulawula izibophelelo namhlanje kodwa abhekane nokunyuka kwexesha elizayo - umzekelo, xa izinga lenzala yentengiso liphelelwa okanye xa imali-mboleko ekhuselweyo ifuna intlawulo yebhaluni. Kufuneka uqwalasele ixesha elipheleleyo lezibophelelo ezikhoyo, hayi nje izavenge zangoku, xa uvavanya ukuba ingaba ikhredithi eyongezelelweyo izinzileyo na.
Xa ufumanisa ukuba umboleki unamatyala amaninzi, akufanelekanga ukuba unike ikhredithi eyongezelelweyo. Ukwenza oko kubeka emngciphekweni ukufunyanwa kokubolekwa kwemali ngokungakhathali phantsi kweCandelo 80(1)(b)(ii). Ukuba uyaqhubeka nangona ufumanise ukuba unamatyala amaninzi, kufuneka ube nengcaciso ecacileyo,Ubungqina obubhaliweyo bokuba kutheni ikhredithi eyongezelelweyo ifanelekile - umzekelo, ukuba iya kudibanisa amatyala akhoyo kunye nokunciphisa uxanduva jikelele. Ezi zahlulo zimxinwa, kwaye umthwalo wokuzithethelela uphezulu.
Iziphumo zokuBoleka imali ngokungakhathali
Iziphumo zokuboleka imali ngokungakhathali zinobuzaza kwaye zinemigangatho emininzi. Phantsi kweCandelo lama-83, inkundla ingabhengeza isivumelwano sentengo yemboleko njengengenankathalo kwaye isibeke ecaleni ngokupheleleyo, isinqumamise, okanye ihlengahlengise izibophelelo zomboleki. Ukuba isivumelwano sibekelwa bucala, umniki-nkonzo yeentengo zemboleko angaphulukana nemali eyongeziweyo, kwaye umboleki kusenokufuneka ahlawule kuphela oko akufumeneyo, okulungiselelwe inzala kunye neentlawulo esele zihlawulwe. Oku kunokubangela ilahleko enkulu yemali kumniki-nkonzo yeentengo zemboleko.
Ngaphandle kwezivumelwano zomntu ngamnye, iziphumo zokuboleka imali ngokungakhathali zinokuqalisa amanyathelo okunyanzeliswa kwe-NCR. I-NCR ingaphanda iipatheni zokuboleka imali ngokungakhathali, iwise izohlwayo zolawulo, okanye ithathele amanyathelo ngakumniki-nkonzo yeentengo zemboleko. Kubanikezeli bekhredithi ababhalisiweyo, ukufunyanwa okuphindaphindiweyo kwekhredithi yokungakhathali kunokukhokelela kwiimeko zokubhalisa, ukumiswa, okanye ukurhoxiswa. Umonakalo wegama elivela kwizenzo zonyanzeliso unokuchaphazela ubudlelwane nabathengi, amaqabane, kunye nabalawuli.
Uxanduva lolwaphulo-mthetho lunokwenzeka kwiimeko ezinzima. Ngelixa uninzi lwemiba yokubolekisa ngemali ngokungakhathali isingathwa ngeenkqubo zoluntu okanye iinkqubo zolawulo lwe-NCR, iNCA ayiboneleli ngezohlwayo zolwaphulo-mthetho kwiimeko ezithile. Ngokuqhelekileyo, abanikezeli bekhredithi bajongana nezohlwayo ezilawulayo, izikhalazo zabathengi, kunye neendleko zokuzikhuselaizityholo naxa ekugqibeleni baphumelele.
Impembelelo yezemali idlulela ngaphaya kwelahleko ekhawulezileyo kwizivumelwano ezitshitshisiweyo. Abaniki-nkonzo zeentengo zemboleko banokujongana neendleko ezongezelelekileyo zokuthobela, imfuno yokomeleza iinkqubo zovavanyo, kunye nohlengahlengiso olunokubakho lwepotfoliyo ukuba iipatheni zokuboleka imali ngokungakhathali zichongiwe. Izikhalazo zabathengi kunye neenkqubo zomthetho zidla ixesha lokulawula kunye nezibonelelo zomthetho. Ukuphazamiseka kokusebenza ekujonganeni nokungaphumeleli kokuthotyelwa kunokubaluleka.
Kubaboneleli ngetyala, umyalezo ucacile: ukuboleka imali ngokungakhathali akuyongozi nje yethiyori. Ineempembelelo zokwenyani, eziphathekayo ezinokuchaphazela inzuzo, ubume bokubhalisa, kunye nokusebenza kweshishini. Ukwakha iinkqubo zovavanyo ezomeleleyo akunyanzelekanga - yimfuneko esisiseko ekusebenzeni njengomniki-nkonzo yeentengo zemboleko eMzantsi Afrika.
Amaxwebhu kunye nobungqina
Ukuzikhusela kwisityholo sokubolekisa ngemali ngokungakhathali, kufuneka ukwazi ukubonisa ukuba loluphi na uvavanyo olwenziweyo, yeyiphi idatha esetyenzisiweyo, kunye nokuba isigqibo sifikelelwe njani. Oku kufuna amaxwebhu abanzi anxibelelanisa iingxelo zeofisi, izibalo zokufikeleleka, kunye nengqiqo yesigqibo ngendlela enokufunyanwa kwaye ikhuseleke.
Indawo yokuqala yingxelo ye-credit bureau ngokwayo. Kufuneka ugcine ikopi yengxelo esetyenzisiweyo kuvavanyo, kunye nesitampu sexesha esicacileyo esibonisa xa itsalwa. Ingxelo kufuneka idibaniswe nesicelo esithile kunye nesigqibo, ngoko ke akukho nto ingaqondakaliyo malunga nokuba yeyiphi idatha eyaqwalaselwa. Ukuba utsala iingxelo ezivela kwiiofisi ezininzi, nganye kuzo kufuneka igcinwe kwaye inxulunyaniswe novavanyo.Izibalo zokufikeleleka kufuneka zibhalwe phantsi. Kufuneka urekhode inani lengeniso elisetyenzisiweyo, indlela eyaqinisekiswa ngayo, izibophelelo zetyala ezikhoyo ezichongiweyo, uqikelelo lweendleko ezisetyenzisiweyo, kunye nomlinganiselo wetyala-kwingeniso obaliweyo. Ukuba usebenzisa iimodeli zamanqaku angaphakathi okanye imithetho yesigqibo, ezo kufuneka zibhalwe ngokunjalo. Ubalo kufuneka lukwazi ukuphinda-phinda - umphicothi-zincwadi okanye inkundla kufuneka ikwazi ukulandela indlela yakho kwaye ifikelele amanani afanayo.
Ingqiqo yesigqibo ibalulekile ngokufanayo. Ufanele ubhale ukuba kutheni le nto yanikwa okanye yaliwe ngetyala, zeziphi iinkalo eziye zaqwalaselwa, kunye nendlela ezo zinto ziye zalinganiselwa ngayo. Ukuba unikezele ngetyala nangona kukho iinkxalabo - umzekelo, umlinganiselo wetyala-kwingeniso ephezulu uhlawulwe ngokuziphatha okuqinileyo kweakhawunti - loo ngcinga kufuneka icace. Iingxelo eziqhelekileyo ezifana “nomthengi uyahlangabezana nemilinganiselo” azonelanga. Kufuneka ubonise ukuba uvavanyo olufanelekileyo lwenziwe kwaye isigqibo besinengqiqo ngokusekelwe kulwazi olukhoyo.
Amaxwebhu kufuneka abe ngaxeshanye. Amanqaku adalwe emva kwenyani, ngakumbi emva kwesikhalazo okanye isityholo, athembeke kangako kuneerekhodi ezenziwe ngexesha lovavanyo. Iisistim zakho kufuneka zixhase amaxwebhu exesha lokwenyani njengenxalenye yokuhamba komsebenzi wovavanyo, hayi njengenyathelo elahlukileyo elongeziweyo kamva.
Ulawulo lofikelelo kunye neelog zophicotho zinceda ukubonisa ukuba amaxwebhu akatshintshwanga. Kuya kufuneka ukwazi ukubonisa ukuba ngubani odale okanye uguqule iirekhodi, nini, kwaye ngoba. Oku kuxhasa ukuthembeka kwamaxwebhu akho kwaye kunceda ukukhusela ngokuchasene namabango okuba iirekhodi zenziwe okanye zenziwe zasemva. Ukufumana okungakumbi malunga nokwakhiwa kwe-defensibleiindlela zophicotho, bona inqaku lethu ku Iimfuno zomkhondo wophicotho lwetyala.
Ukubuyiswa yinto yokugqibela. Xa i-NCR, inkundla, okanye umphicothi-zincwadi wangaphakathi ecela ubungqina bovavanyo, kufuneka ukwazi ukubuvelisa kwangoko. Ukuba uxwebhu luthe saa kwimisonto ye-imeyile, iidrayivu ekwabelwana ngazo, kunye neefayile zephepha, ukubuyiswa kuba nzima kwaye kuthatha ixesha. Iinkqubo ezibekwe kwindawo enye ezidibanisa iingxelo, izibalo, kunye nezigqibo kwindawo enye zenza kube lula ukuphendula izicelo kunye nokubonisa ukuthotyelwa. Ukufumana iinkcukacha ngeemfuneko zokugcina irekhodi, bona isikhokelo sethu ku- Izibophelelo zeNCA zokugcina iirekhodi.
Apho iiNkqubo zeManuwali zidala umngcipheko
Iinkqubo zohlolo lwezandla zenza imingcipheko emininzi eyenza kube nzima ukubonisa ukuthobela izibophelelo zokubolekisa ngemali ngokungakhathali. Xa abaniki-nkonzo yeentengo zemboleko bexhomekeke kwiingxelo zekhredithi ye-PDF, amanqaku abhalwe ngesandla, kunye nokwenziwa kwezigqibo kwe-ad hoc, bayasokola ukubonisa ukuba uvavanyo olululo lwaluqhutywa rhoqo.
Iingxelo zePDF aziqhagamshelwanga kwizigqibo. Xa igosa lekhredithi likhupha ingxelo kwi-portal ye-bureau, likhuphe njenge-PDF, kwaye liyigcine kwi-drive ekwabelwana ngayo, akukho khonkco oluzenzekelayo phakathi kwaloo ngxelo kunye nesicelo okanye isigqibo esaziswa ngaso. Kamva, xa kufuneka amaxwebhu, abasebenzi mabakhangele kwiifolda baze batshatise iingxelo nezicelo ngesandla. Le nkqubo ineempazamo kwaye idla ixesha, kwaye idala izikhewu kumzila wophicotho.
Akukho mzila wophicotho westampu wamaxesha othetha ukuba awukwazi ukubonakalisa ngokulula xa iingxelo bezitsalwa, zitsalwe ngubani, kwaye zisenzelwa kwesiphi isicelo. Ngaphandle kolu lwazi, ukuzithethelela kwizityholo kuba nzima. Usenokuba uyazi ukuba uvavanyo lwalunjalolwenziwe, kodwa awunakungqina ukuba nini, ngubani, okanye usebenzisa yeyiphi idata. Oku kunciphisa kakhulu isikhundla sakho.
Iikhrayitheriya zokuhlola ezingahambelaniyo phakathi kwamagosa zidala ukuguquguquka okujongela phantsi ukuthotyelwa. Xa abaphononongi abohlukeneyo besebenzisa imigangatho eyahlukeneyo, ubunzima bezinto ngokwahlukileyo, okanye besebenzisa iindlela zokubala ezahlukeneyo, abathengi abafanayo banokufumana iziphumo ezahlukeneyo. Oku kungangqinelani kwenza kube nzima ukubonisa ukuba uvavanyo luqhutywa ngokufanelekileyo nangocwangco. Kwakhona kwandisa umngcipheko wokuba ezinye iimvavanyo zingafikeleli “amanyathelo afanelekileyo” omgangatho ofunwa liCandelo lama-81.
Akukho zibalo zisemgangathweni zokufikeleleka zithetha ukuba umlinganiselo wetyala kwingeniso, uqikelelo lweendleko, kunye nezinye iimetrics zinokubalwa ngokwahlukileyo ngamagosa ahlukeneyo okanye zingabalwa kwaphela. Ngaphandle kokubekwa emgangathweni, awunakuqinisekisa ukuba uhlolo lugqityiwe okanye ukuba abathengi abafanayo bayavavanywa rhoqo. Oku kudala umngcipheko wokuthotyelwa kunye nobungozi bokusebenza - izigqibo zisenokungahambelani, kwaye umbutho ungabi nombono ocacileyo womgangatho wepotfoliyo.
Ingxelo yembali engekhoyo yenye ingxaki. Xa iingxelo kunye nezigqibo zigcinwe kwiinkqubo ezinqanyuliweyo, kunzima ukubona indlela isikhundla somthengi esitshintshile ngayo ngexesha okanye ukuphonononga iimvavanyo zangaphambili. Oku kwenza kube nzima ukuchonga iipateni, ukufunda kwizigqibo ezidlulileyo, okanye ukubonisa ukuba iimvavanyo ziyaphucuka ngokuhamba kwexesha.
Ezi zithuba ziyadibanisana. Xa iingxelo zingadityaniswanga nezigqibo, iinqobo zokugweba azingqinelani, kwaye izibalo azibekwanga emgangathweni, zibonisa ukuthotyelwa.kuba phantse akunakwenzeka. Nokuba ngaba igosa ngalinye liqhuba uvavanyo ngentembeko, ukungabikho kweenkqubo ezicwangcisiweyo kudala umngcipheko ongenakukhuselwa lula. Kubaniki-nkonzo yeentengo zemboleko abazimiseleyo malunga nokuthotyelwa, iinkqubo ezenziwa ngezandla ziluxanduva.
Ukwakha Inkqubo yoVavanyo oluKhuselekileyo
Inkqubo yokuhlola ekhuselekayo ijongana nomngcipheko ngamnye owenziwe ngokuqhutywa komsebenzi okwenziwa ngesandla. Iqulunqa idatha yeziko ukuze inxulunyaniswe nezigqibo, ibeke emgangathweni iimetrics zokufikeleleka ukuze uhlolo luhambelane, lusebenzise imigaqo engaguqukiyo kubo bonke abavavanyi, kwaye igcine umkhondo wophicotho opheleleyo onxibelelanisa idatha kwizigqibo.
Idatha ye-bureau ehleliweyo sisiseko. Endaweni yeengxelo zePDF ekufuneka zitolikwe ngesandla, abaniki-nkonzo beentengo zemboleko kufuneka basebenzise iisistim ezingenisa idatha ye-bureau kwaye bayiveze ngendlela eqhelekileyo. Iiakhawunti, iibhalansi, iipatheni zokuziphatha, kunye nolwazi olubi kufuneka lufumaneke njengemihlaba ecwangcisiweyo enokusetshwa, ithelekiswe, kwaye idityaniswe nezicelo ezithile. Oku kwenza kube nokwenzeka ukubona ngqo ukuba yeyiphi idatha esetyenzisiweyo kuvavanyo ngalunye kunye nokuthelekisa uhlolo kubo bonke abathengi okanye ekuhambeni kwexesha.
Imilinganiselo yokufikeleleka emgangathweni iqinisekisa ukuba umlinganiselo wetyala-kwingeniso, uqikelelo lweendleko, kunye nolunye ubalo lwenziwa rhoqo. Iifomula ezifanayo kufuneka zisetyenziswe kubo bonke abathengi, kwaye iziphumo kufuneka ziboniswe ngokucacileyo ukuze abavavanyi babone ukuba izibalo zenziwe njani. Oku kunciphisa ukuhluka phakathi kwabavavanyi kwaye kwenza kube lula ukubonisa ukuba uhlolo lucwangcisiwe kwaye lulungile.
Iikhrayitheriya ezihambelanayobonke abaphononongi bathetha ukuba imithetho yokubolekisa ngemali, imida, kunye nengqiqo yesigqibo isetyenziswa ngokufanayo. Nokuba umvavanyi uvavanya umboleki nge-35% yomlinganiselo wetyala-kwingeniso okanye oneempazamo zakutsha nje, kufuneka kusetyenziswe indlela efanayo. Oku akususi isigwebo sobungcali, kodwa kuqinisekisa ukuba isigwebo sisetyenziswa kwisikhokelo esicacileyo. Iimodeli zamanqaku angaphakathi, imithi yesigqibo, okanye imigaqo yomgaqo-nkqubo inokumiliselwa kwinkqubo ukwenzela ukuba abavavanyi babone isikhokelo esifanayo kwaye basebenzise imigangatho efanayo.
Umzila ogcweleyo wophicotho-zincwadi unxulumanisa yonke idatha kwisigqibo ngasinye. Xa kutsalwa ingxelo ye-bureau, inkqubo kufuneka irekhode ukuba itsalwe ngubani, nini, kwaye sesiphi isicelo. Xa ubalo lokufikeleleka lwenziwa, kufuneka lufakwe isitampu sexesha kwaye luqhagamshelwe kwingxelo ethile kunye neenkcukacha zomthengi ezisetyenzisiweyo. Xa isigqibo senziwe, kufuneka sidityaniswe neengxelo kunye nezibalo ezisazisileyo. Oku kudala ikhonkco elipheleleyo lobungqina obunokufunyanwa kwaye bunikezelwe xa kuyimfuneko.
Ukuthotyelwa kufuneka kufakwe kwindlela yokusebenza, kungekhona emva kwenyani. Iinkqubo zovavanyo kufuneka zifune amaxwebhu kwinqanaba ngalinye - ukuqinisekiswa kwengeniso, uhlaziyo lwe-bureau, ukubalwa kwexabiso, ingqiqo yesigqibo - ukwenzela ukuba iirekhodi ezipheleleyo zidalwe ngokuzenzekelayo. Oku kunciphisa umthwalo kubavavanyi ngelixa kuqinisekiswa ukuba akukho nto iphosakeleyo. Kwakhona kwenza kube lula ukuchonga izikhewu okanye ukungangqinelani phambi kokuba ibe yimiba yokuthotyelwa.
Ulawulo lofikelelo olusekwe kwindima luqinisekisa ukuba ngabasebenzi abagunyazisiweyo kuphela abanokutsala iingxelo, bajonge idatha ebuthathaka, okanye benze izigqibo ezithile. Oku kuxhasa idathaulawulo kunye nokunciphisa umngcipheko wofikelelo olungagunyaziswanga okanye ukusetyenziswa kakubi. Ikwanceda ukubonisa kubalawuli ukuba ufikelelo lufanelekile kwaye luyalawulwa.
Ngokudibeneyo, ezi zinto zidala inkqubo yovavanyo ekhuselekayo. Xa umboleki etyhola ngokuboleka imali ngokungakhathali, unokuvelisa umkhondo wophicotho opheleleyo obonisa ukuba loluphi na uvavanyo olwenziweyo, yeyiphi idatha esetyenzisiweyo, zeziphi izibalo ezenziweyo, kunye nendlela ekufikelelwe ngayo kwisigqibo. Oku kukubeka ekukhuseleni izigqibo zakho ngokufanelekileyo kwaye kubonisa kubalawuli ukuba ukuthobela ngokubalulekileyo. Kubaboneleli beentengo zemboleko baqhubela phambili imiqulu ebalulekileyo, isoftware eyakhelwe-yinjongo eyenza idatha, ibeka umgangatho, kwaye igcine iindlela zophicotho zibalulekile. Bona ushwankathelo lwethu lwe- Iimfuno zesoftware yomniki-tyala ngakumbi ngokwakha obu buchule.
Qinisekisa ukuba iiMvavanyo zakho zidibana neMigangatho yeNCA
Izityholo zokuboleka imali ngokungakhathali zinokuba neziphumo ezibi, ukusuka kwizivumelwano ezilahliweyo ukuya kunyanzeliso lolawulo. I-NCA ifuna ukuba abaniki-nkonzo yeentengo zemboleko benze uhlolo olufanelekileyo lokufikeleleka kwaye babhale olo vavanyo ngokubanzi. Iinkqubo zeManuwali ezixhomekeke kwiingxelo zePDF, iinqobo zokugweba ezingahambelaniyo, kunye namaxwebhu aqhawukileyo adala umngcipheko wokuthotyelwa okunzima ukuwukhusela.
Ukwakha inkqubo yovavanyo ekhuselekayo kufuna idatha ecwangcisiweyo yeofisi, imilinganiselo yokufikeleleka esemgangathweni, imigaqo engaguqukiyo, kunye neendlela ezipheleleyo zophicotho. Ezi zinto kufuneka zifakwe kuhambo lwakho lomsebenzi, zingadityaniswa njengengcinga engemva. Xa iimvavanyo zicwangcisiwe, zibhalwe, kwaye zinokulandeleka, ungabonisa ukuthobela kwaye uzikhusele kwizityholo ngokusebenzayo.Dibana no ukubhukisha idemo kwaye ubone ukuba idatha yetyala ecwangcisiweyo kunye nokuqhutywa kovavanyo olusemgangathweni zixhasa izigqibo zokubolekisa ngemali.