Ukuqinisekiswa Kwesicelo Sesikweletu | Umhlahlandlela waseNingizimu Afrika

Ukuqinisekisa imininingwane yesicelo sesikweletu akuyona into yokuzikhethela ngaphansi komthetho waseNingizimu Afrika. Ngaphambi kokunikeza isikweletu, abahlinzeki bezikweletu kufanele bathathe izinyathelo ezifanele zokuhlola izindlela zezimali zomthengi, amathuba, kanye nezibopho. Lokho kuhlola kuncike kokungaphezu kwezwi lomfakisicelo: kudinga ukuqinisekiswa kwemali engenayo, umsebenzi, izindleko, nokubuyisana kwesikweletu esimenyezelwe ngokumelene nalokho okushiwo yi-credit bureaux. Uma ukuqinisekiswa kungaphelele noma kukha phezulu, ukuhlolwa kokukwazi ukukhokhela okuwumphumela akuthembeki, futhi umnikezi wezikweletu usengozini yokuthola imali ebolekisayo budedengu ngaphansi koMthetho Wezikweletu Kazwelonke (NCA). Lo mhlahlandlela uchaza izinqubo zokuqinisekisa isicelo sesikweletu eNingizimu Afrika: yini okufanele uyiqinisekise, uyiqinisekise kanjani, ingena kanjani ochungechungeni lokuhlola, nokuthi kungani kubalulekile ekuthotshelweni kwe-NCA. Ukuze uthole uhlaka olubanzi olusekelwa ukuqinisekiswa, bona i-umhlahlandlela wokuhlola ukukwazi ukukhokhela yethu.

Kungani Ukuqinisekisa Kubalulekile Ngaphambi Kokunikeza Ikhredithi

I-NCA ibophezela abahlinzeki bezikweletu ukuthi bathathe izinyathelo ezifanele zokuhlola izindlela zezimali ezikhona zomthengi kanye nezibopho ngaphambi kokwenza isivumelwano sesikweletu. “Izinyathelo eziphusile” zihunyushwe yiNational Credit Regulator (NCR) kanye nezinkantolo ukuze kufakwe ukuqinisekiswa kolwazi okusekelwe kulo. Ukwamukela iholo elishiwo, umsebenzi, noma izindleko ngaphandle kokuzihlola akuvamile ukwanele, ikakhulukazi ezintweni ezibonakalayo. Lapho umthengi kamuva ehluleka ukwenza iphutha noma ethi ukuboleka budedengu, umhlinzeki wesikweletu kufanele akwazi ukukhombisa ukuthi yini eqinisekisiwe, kanjani, nokuthi isinqumo besisekelwe kudatha ethembekile.Empeleni, abafakizicelo bangase badlule imali engenayo, babukeze phansi isikweletu esikhona, noma bethule imibhalo eshintshiwe. Ngaphandle kokuqinisekisa, umnikezi wesikweletu (wemali-mboleko) anganikeza u-R150,000 kumthengi onemali engenayo yangempela engu-R12,000 futhi umholo wakhe omenyezelwe ube ngu-R22,000. isilinganiso semali engenayo nesikweletu Ukubalwa kwemali engenayo etholakalayo kuzoba okungalungile kusukela ekuqaleni, futhi umthengi angase angakwazi ukusevisa isikweletu. Ukuqinisekisa ukulawula okugcina ukuhlola ukukwazi ukuthengeka kusekelwe eqinisweni. Kuphinde kwakha umkhondo wokucwaningwa kwamabhuku: lapho i-NCR noma umcwaningimabhuku wangaphakathi ebuyekeza ifayela, balindele ukubona ubufakazi bokuthi imali engenayo, ukuqashwa, kanye nezibopho kwaqinisekiswa, hhayi nje ukuthi kumenyezelwe.

Ukuqinisekiswa Kwesicelo Sesikweletu ENingizimu Afrika: Yini Eqinisekiswayo

Ukuqinisekiswa ekuhlolweni kwesicelo sesikweletu kuvame ukuhlanganisa imikhakha emine: imali engenayo, ukuqashwa, izindleko, nokubuyisana kwezibopho ezimenyezelwe nedatha yehhovisi. Ngamunye unemithombo ethile kanye nezindlela ezisetshenziswa abahlinzeki bezikweletu kanye nabathengisi eNingizimu Afrika.

Ukuqinisekiswa kwemali engenayo

Imali engenayo iyisisekelo sokufinyeleleka. Kufanele kuqinisekiswe kusetshenziswa imibhalo eyisisekelo kunokuba yamukelwe efomini lesicelo kuphela. Imithombo evamile ihlanganisa:

Ama-Payslip — Kubathengi abaqashiwe, ama-payslip akamuva (imvamisa izinyanga ezimbili noma ezintathu) akhombisa isamba semali engenayo, imali ebanjwayo ngokusemthethweni (i-PAYE, i-UIF, impesheni), kanye nesamba somholo. Umhloli kufanele ahlole ukuthi igama lomqashi, igama lomthengi, kanye nenombolo kamazisi kuyahambisana yini, ukuthi idokhumenti ibonakala iyiqiniso (ifomethi, uphawu lomkhiqizo, izinsuku), nokuthi imali engenayo iyonke ihambisana nalokho okumenyezelwe.
Izitatimende zasebhange- Amakhredithi omholo kufanele ahambisane nesamba senani eliku-payslip kanye nomqashi oshiwo. Ukwehluka (isb. amakhredithi aphansi, izinsuku zokukhokha ezihlukene, noma abaqashi abaningi) kuqinisekisa ukuthi kuphinde kuhlolwe. Izitatimende zasebhange ziphinde zembule enye imali engenayo (yokuqasha, ezosebenza ngokuzimela, etshaliwe) okungenzeka ingabonakali ku-payslip.
Isiqiniseko somqashi — Isiqinisekiso socingo noma esibhaliwe esivela kumqashi sokuthi umthengi uqashiwe, kuyiphi indima, futhi ngamuphi umholo (noma iqoqo lomholo) elengeza ungqimba lwesibili lokuqinisekisa futhi kusize ukuthola ama-payslip omgunyathi.
Imibhalo yakwa-SARS — Kubathengi abazisebenzayo noma labo abanemali engenayo eguquguqukayo, amafomu entela, izitifiketi ze-IRP5/IT3, noma izincwadi eziphuma kosebenza ngentela zingasekela iholo elimenyezelwe. Lezi ziyinkimbinkimbi kakhulu ukuzihumusha kodwa zinikeza ireferensi ezimele.

Ukuqinisekiswa kwemali engenayo kufanele kulingane nendawo: imalimboleko encane engavikelekile ingase ithembele kuma-payslip kanye nezitatimende zasebhange; indawo enkulu noma imali yemoto ingase idinge ukuqinisekiswa komqashi noma imibhalo eyengeziwe. Okubalulekile wukubhala phansi lokho okutholiwe nokuthi kusetshenziswe kanjani ekuhloleni.

Ukuqinisekiswa komsebenzi

Ukuqinisekiswa kokuqashwa kuqinisekisa ukuthi umthengi uqashwe njengoba kushiwo nokuthi ukuqashwa kungenzeka kuqhubeke. Izindlela zihlanganisa:

Ukuqinisekisa ngocingo — Ukushayela inombolo yomqashi esohlwini (etholwa ngokuzimela lapho kungenzeka khona, hhayi kumfakisicelo) ukuze kuqinisekiswe umsebenzi, usuku lokuqala, kanye nesikhundla. Imininingwane yokuxhumana kufanele iqinisekiswe (isb. kuwebhusayithi esemthethweni yomqashi noma uhla lwemibhalo) ukuze kugwenywe ukuqinisekiswa nenkampani yangaphandle esebenzisana nayo. -Incwadi yokuqashwa — Incwadi esemthethweni esekhanda lenkampani esho igama lomthengi, umazisi, isikhundla, iholo noma iholo, kanye nobude bomsebenzi. Njengama-payslips, incwadi kufanele ihlolwe ukuthi iyavumelana yini futhi iyiqiniso.
Amarekhodi e-UIF — Kwezinye izimo, umlando womnikelo we-UIF noma imibhalo ingasekela umlando wokuqashwa. Lokhu kuvame ukusetshenziswa njengesheke lesibili noma lapho okunye ukuqinisekiswa kunzima khona.

Ukuqinisekisa ukuqashwa kunciphisa ubungozi bokuqashwa okungelona iqiniso noma amagama emisebenzi akhulisiwe futhi kusekela umbono wokuthi imali engenayo izoqhubeka ngesikhathi sesikweletu.

Ukuqinisekiswa kwezindleko

Izindleko zinquma ukuthi ingakanani imali engenayo yomthengi etholakalayo yesevisi yesikweletu ngemuva kwezindleko zokuphila. Izindleko ezimenyezelwe zivame ukubukelwa phansi, kungaba ngephutha noma ukuthuthukisa umphumela wokuhlola. Izinketho zokuqinisekisa zifaka:

Kumenyezelwe uma kuqhathaniswa nezangempela — Qhathanisa izindleko ezishiwo zomthengi (ezivela efomini lesicelo noma isimemezelo sezindleko) namaphethini abonakala ezitatimendeni zasebhange. Ukudonswa kwemali okuphindelelayo kwerenti, ibhondi, umshwalense, imali yesikole, noma okubhaliselwe kunikeza isithombe esicacile sezindleko zangempela.
Ireferensi yesitatimende sasebhange — Thola ukuphuma okujwayelekile ngokwezigaba (izindlu, ezokuthutha, izinsiza, ukudayisa) bese uqhathanisa namanani adaluliwe. Amagebe amakhulu phakathi kwezindleko ezimenyezelwe kanye nezangempela kufanele kubuyiswe noma kuchazwe; ngaphandle kwalokho umhloli angase adinge ukusebenzisa inani lezindleko eziphezulu ngezinjongo zokukwazi ukuzikhokhela.
Izindleko ezilinganiselwe noma ezijwayelekile — Abanye abahlinzeki bezikweletu nabeluleki bezikweletu basebenzisa izindleko ezivamileimihlahlandlela (isb. amabhentshimakhi ahlobene ne-NCR noma izinkambiso zemboni ngebhande lemali engenayo) esikhundleni noma ngaphezu kwezindleko ezimenyezelwe. Lokhu kunciphisa ukuthembela ezimemezelweni ezingahle kuchazwe kancane futhi kulinganisa ukuhlolwa.

Ukuqinisekiswa kwezindleko akudingi i-forensics yomugqa ngomugqa kuso sonke isicelo, kodwa kufanele kwanele ukusekela isilinganiso esizwakalayo sezindleko zokuphila ukuze imali engenayo etholakalayo ingeqisi.

Ukubuyisana kwedatha yehhovisi

Isikweletu esikhona somthengi esimenyezelwe kufanele sivunyelaniswe nalokho okushiwo yi-credit bureaux. I-Experian, Datanamix, TransUnion, namanye ama-bureaux enza uhlu lwama-akhawunti asebenzayo, amabhalansi, izitolimende, nokuziphatha kokukhokha. Uma umthengi eyeka noma ebeka phansi i-akhawunti, ukubala ukukwazi ukuzikhokhela kuyoba okungalungile. Ukubuyisana kuhlanganisa:

Ukuqhathanisa izikweletu ezimenyezelwe ngokumelene ne-bureau-reported — Zonke izikweletu ezimenyezelwe kufanele zifaniswe ne-akhawunti ye-bureau lapho kungenzeka khona. Noma iyiphi i-akhawunti ye-bureau engamenyezelwanga kufanele ifakwe kwisamba sesibopho. Ukwehluka kwebhalansi noma izitolimende kufanele kuxazululwe (isb. ngokusebenzisa inani eliphezulu noma isibalo sehhovisi lapho sakamuva khona).
Kuhlanganisa zonke izibopho zenkontileka — Isamba sesibopho sanyanga zonke esisetshenziswe kokuthi ukuhlolwa kokukwazi ukuthenga kufanele sifake wonke ama-akhawunti adinga inkokhelo eqhubekayo: amabhondi, imali yemoto, imalimboleko yomuntu siqu, amakhadi esikweletu (inkokhelo encane noma yenkontileka), amakhadi esitolo, nokunye okunjalo. Ukweqa ama-akhawunti ngoba awazange amenyezelwe kuyimbangela evamile yokukwazi ukuthengeka ngokweqile kanye nokuzenzakalela kamuva.

Ukubuyisana kwehhovisi kuqinisekisa ukuthi uhlangothi lwesibopho lweukuhlola kuqediwe nokuthi ukuxhumana phakathi kwedatha yehhovisi kanye nesinqumo kucacile. Ukuze uthole okwengeziwe ngokuthi idatha ye-bureau isetshenziswa kanjani ekuhloleni, bheka imihlahlandlela yethu ku- Imibiko yekhredithi ye-Experian kanye Ukuhlaziywa kombiko wesikweletu seDanamix.

Uchungechunge Lokuqinisekisa: Ukusuka Isicelo Kuya Esinqumweni

Ukuqinisekisa akusona isinyathelo esisodwa; kuwuchungechunge olusuka efomini lesicelo ludlulele emibhalweni esekelayo luye kudatha yehhovisi futhi ekugcineni lufinyelele esinqumweni sokuboleka imali. Isixhumanisi ngasinye kufanele sigcwaliswe futhi sibhalwe phansi.

Ifomu lesicelo — Umthengi umemezela imali engenayo, umsebenzi, izindleko, kanye nekhredithi ekhona. Lesi yisiqalo, hhayi isiphetho.
Amadokhumenti asekelayo — Ama-Payslip, izitatimende zasebhange, izincwadi zokuqashwa, kanye (lapho esetshenziswa) nemibhalo yentela noma yezindleko iyaqoqwa futhi iqinisekiswe ukuze isebenze ngokuvumelana nobuqiniso.
Idatha ye-Bureau — Umbiko wezikweletu ukhishwa kwelinye noma ngaphezulu kwehhovisi. Izibopho ezimenyezelwe zihlanganiswa nama-akhawunti e-bureau; ama-akhawunti angamenyezelwanga afakiwe.
Ukuhlola — Imali engenayo (iqinisekisiwe), izindleko (eziqinisekisiwe noma ezilinganiselwe), kanye nezibopho (ezivela ku-bureau reconciliation) zihlanganiswa ukuze kubalwe imali engenayo etholakalayo kanye ne-DTI. Isitolimende esihlongozwayo sivivinywa ngokwaleso silinganiso.
Isinqumo — Nikeza, yenqaba, noma bhekisa. Isinqumo kufanele silandelelwe emibhalweni eqinisekisiwe kanye nengqondo yokuhlola.

Uma noma isiphi isixhumanisi sibuthakathaka—ngokwesibonelo, imali engenayo eyamukelwe ngaphandle kwama-payslip, noma idatha ye-bureau engahlanganiswanga nezimemezelo—lonke uchungechunge luba sengozini. Izinqubomgomo zangaphakathi kufanele zichaze ubuncane bokuqinisekisa obudingekayo kumkhiqizo ngamunye noma ibhande lokuchayeka, futhi abahloli kufanele balandeleukulandelana okufanayo kwazo zonke izicelo ukuze ukucwaninga kwamabhuku kanye nokubuyekezwa kwe-NCR kubone inqubo engaguquki.

Ukuqinisekiswa Kwedokhumenti kanye Nokutholwa Kokukhwabanisa

Ukuqinisekisa kuthatha ukuthi amadokhumenti ayiqiniso. Eqinisweni, abanye abafake izicelo baletha ama-payslip ashintshiwe noma asunguliwe kanye nezitatimende zasebhange. Abahlinzeki bezikweletu kanye nabathengi kufanele basebenzise amasheke okuqinisekisa ayisisekelo ukuze banciphise ubungozi bokukhwabanisa.

Ama-Payslip — Hlola ukuthi igama lomqashi, ilogo, kanye nefomethi kuyahambisana yini negama lomqashi elaziwayo. Bheka ukuhlela okusobala (ukungafani kwefonti, ukuqondanisa okungahambisani, izibalo ezifiphele noma ezibhalwe ngaphezulu). Inkokhelo ye-cross-check Net kanye nezimali ezibanjwayo kumakhredithi asebhange. Lapho kungenzeka, qinisekisa nomqashi.
Izitatimende zasebhange — Bheka ukufometha okungaguquki, amaphethini okwenziwayo angokoqobo, nokuqondanisa phakathi kwezinsuku zezitatimende namakhredithi omholo. Amafonti angahambisani, amakhasi angekho, noma izitatimende ezingafani ne-akhawunti eshiwo noma isikhathi kufanele kubangele ukuqinisekiswa okwengeziwe noma ukwenqaba.
Izincwadi zokuqashwa — Qinisekisa ukuthi incwadi kanye nemininingwane yokuxhumana ihambisana nemininingwane esemthethweni yomqashi. Ucingo olusheshayo oluya enombolweni eshiwo (etholwe ngokuzimela) lungaqinisekisa ukuthi incwadi iyiqiniso.

Ukuqinisekiswa kwedokhumenti akudingi uchwepheshe bezobunhloli bawo wonke ifayela, kodwa uhlu lokuhlola olujwayelekile nesiko lokungabaza lapho amadokhumenti ebukeka engahambisani nokuvimbela ukukhwabanisa ekungeneni ekuhloleni. Uma kusolwa ukukhwabanisa, isicelo kufanele sinqatshwe futhi udaba ludlondlobale ngokuvumelana nezinqubomgomo zefemu.

Umongo Wokuthobela: I-NCA, Ukuboleka Budedengu, kanyeUkugcinwa kwerekhodi

Ukuqinisekisa kuwukufaka okuqondile ekuthotshelweni kwe-NCA. Isigaba 81 sidinga abahlinzeki bezikweletu ukuthi bathathe izinyathelo ezifanele zokuhlola izindlela zezimali zomthengi kanye nezibopho ngaphambi kokunikeza isikweletu. Lezo zinyathelo zihlanganisa ukuthola kanye nokuqinisekisa ulwazi; ukwamukela izimemezelo ezingaqinisekisiwe cishe ngeke kwenelise izinga. Isigaba 82 siyakwenqabela ukungena esivumelwaneni sesikweletu ngaphandle kokuthatha lezo zinyathelo kuqala. Uma ukuqinisekiswa kweqiwa noma kukha phezulu, umnikezi wesikweletu akathathanga izinyathelo ezifanele, futhi ukuhlola kuyasilela.

Isixhumanisi esiya ku-ukuboleka budedengu sicacile. Ngaphansi kweSigaba 80, isikweletu singatholwa budedengu uma umnikezi wesikweletu (wemali-mboleko) ehlulekile ukwenza ukuhlola okufanele (Isigaba 80(1)(a)), noma angene esivumelwaneni nakuba azi noma enesizathu sokwazi ukuthi umboleki ubenezikweletu ezidlulele (Isigaba 80(1)(b)(ii)). Ukuqinisekisa okungaphelele kungaholela kukho kokubili: ukuhlolwa okunephutha (ngoba imali engenayo noma izibopho bezingalungile) kanye nesinqumo ebesiyohluka ukube bekwaziwa isikhundla sangempela. Ukuvikela izinsolo zokubolekwa budedengu kudinga ukukhombisa ukuthi ukuqinisekiswa kwenziwa, ukuthi idatha esetshenzisiwe ibithembekile, nokuthi isiphetho besizwakala ngaleyo ndlela. Ukuze uthole izimfuneko zokugcina amarekhodi ezisekela lokhu kuzivikela, bheka isihloko sethu ku-Izidingo zokugcina amarekhodi e-NCA.

Ukuqinisekisa kuphinde kuthinte i-POPIA: imibhalo kanye nedatha ye-bureau iqukethe ulwazi lomuntu siqu. Ukuqoqwa, ukusetshenziswa, nokugcinwa kufanele kuhambisane ne-POPIA kanye nezinqubomgomo zobumfihlo zefemu. Ukuze uthole okwengeziwe ngokuphatha idatha yekhredithi ngokusemthethweni, bona Ukuthobela kwe-POPIA kwedatha yekhredithi.

Isicelo Esisebenzayo: A OkuvamileUkuqinisekisa Ukuhamba komsebenzi

Cabangela umnikezi wesikweletu ohlola isicelo semalimboleko engu-R80,000 yemalimboleko yomuntu siqu engavikelekile, izinyanga ezingama-36, kumfakisicelo oholayo osho ukuthi isamba semali engenayo engu-R18,000, izindleko zenyanga zika-R8,000, kanye nama-akhawunti amathathu akhona. Ukugeleza komsebenzi wokuqinisekisa okuqinile kungabukeka kanje.

Imali engenayo — Cela ama-payslip amabili akamuva kanye nezitatimende zasebhange zezinyanga ezimbili. Qinisekisa ukuthi isamba somholo ku-payslip sifana nekhredithi yomholo eku-akhawunti yasebhange nokuthi igama lomqashi alishintshile. Ngokuzithandela, shayela umqashi (inombolo evela kuwebhusayithi yomqashi) ukuze uqinisekise umsebenzi kanye nebhendi yeholo.
Izindleko — Buyekeza ukudonswa kwemali ebhange ngerenti noma ibhondi, izinsiza, umshwalense, nezinye izinto ezivela njalo. Uma ukuphuma kwangempela kweqa u-R8,000, sebenzisa inani eliphezulu noma ibhentshimakhi evamile yokuhlola. Bhala ukuthi iyiphi inombolo esetshenzisiwe nokuthi kungani.
Izibopho — Donsa umbiko wehhovisi (isb. Experian noma Datanamix). Qondanisa ama-akhawunti amathathu amenyezelwe nama-akhawunti ehhovisi; engeza noma yimaphi ama-akhawunti engeziwe avela ku-bureau angamenyezelwanga. Fingqa izitolimende zanyanga zonke zenkontileka zawo wonke ama-akhawunti.
Ukuhlola — Bala isamba semali engenayo (eqinisekisiwe) susa izindleko (eziqinisekisiwe noma ezimakiwe) khipha izibopho ezikhona (ezivela ehhovisi). Hlola ukuthi isitolimende esisha esihlongozwayo (isb. u-R2,800) siyangena yini emalini engenayo esele etholakalayo nokuthi ingabe isamba se-DTI sihlala ngaphakathi kwenqubomgomo (isb. ngaphansi kwama-40%).
Amadokhumenti — Rekhoda efayeleni: imibhalo etholiwe, izinyathelo zokuqinisekisa ezenziwe, umphumela wokubuyisana kwehhovisi, kanye nesizathu sesinqumo. Lokhu kudala umkhondo wokucwaninga odingekayoI-NCR nokuvikela ukubolekwa budedengu.

Isakhiwo esifanayo sisebenza kubadayisi bezikweletu abafake izicelo ngaphambi kokufaneleka: ukuqinisekiswa kuthuthukisa ikhwalithi yepayipi futhi kunciphisa ukuthunyelwa okumoshayo kubabolekisi. Kusebenza futhi nakubeluleki bezikweletu ezakha iziphakamiso zokuhlela kabusha: imali engenayo eqinisekisiwe kanye nezindleko zisekela iziphakamiso ezivikelekile kanye nokuthobela i-NCR.

Ngekabani Lokhu

Lo mhlahlandlela ngowabanikezi bezikweletu kanye nabadayisi bezikweletu eNingizimu Afrika okudingeka basebenzise noma baqinise izinqubo zokuqinisekisa izicelo zezikweletu. Abahlinzeki bezikweletu banesibopho esingokomthetho sokuhlola ukukwazi ukukhokhela ngaphambi kokuba banikeze isikweletu; ukuqinisekiswa kuyindlela yokuqinisekisa ukuthi ukuhlola kusekelwe eqinisweni. Abadayisi bezikweletu bayahlomula ezinqubweni ezifanayo ukuze bafake izicelo ngaphambi kwesikhathi ngokunembile futhi bethule ababolekisi ngezicelo esezivele zisekelwa idatha eqinisekisiwe. Abeluleki ngezezikweletu bazothola nezinyathelo ezingenayo, izindleko, kanye nokubuyisana kwehhovisi zifanelekile lapho kulungiselelwa ukuba nezikweletu ngokweqile ukuhlola kanye neziphakamiso zokuhlela kabusha.

Kungakhathaliseki ukuthi uhlola ngaphakathi endlini noma usebenzisa inkundla yokuhlola isikweletu, izimiso zihlala: qinisekisa imali engenayo, ukuqashwa, kanye nezindleko lapho kungenzeka khona; hlanganisa isikweletu esimenyezelwe nedatha ye-bureau; qinisekisa amadokhumenti; futhi ibhale phansi uchungechunge lokuqinisekisa ukuze zonke izinqumo zilandeleke futhi zivikeleke ngaphansi kwe-NCA.

Izinyathelo Ezilandelayo

Ukuqinisekiswa kwesicelo sesikweletu INingizimu Afrika iyisiyalo esidingekayo ngaphansi kwe-NCA, hhayi okungeziwe ongakukhetha. Imali engenayo, umsebenzi, izindleko, nokubuyisana kwehhovisi kwakha uchungechunge lokuqinisekisa olusekela ukukwazi ukuthengeka okufanele.ukuhlola kanye nokunciphisa ingozi yokubolekisa ngokunganaki. Uma inhlangano yakho ifuna ukulinganisa izinyathelo zokuqinisekisa, zixhumanise nedatha yehhovisi elihlelekile, futhi ugcine izindlela zokuhlola ezicacile zokuthobelana, thintana ukuze ubone ukuthi ukugeleza komsebenzi wokuhlolwa kwekhredithi eyakhelwe inhloso kungasekela kanjani inqubo yakho yokuqinisekisa nesinqumo.

Bona ukuthi ukuqinisekiswa okuhlelekile nokuhlola ukukwazi ukukhokhela kungasekela kanjani ukuthobela kwakho i-NCAt)