I-Credit Broker Pre-Qualification | Ukuhlola Okusheshayo
Ukufaneleka kwangaphambili komthengisi wezikweletu eNingizimu Afrika. Hlola abafaki zicelo ngaphambi kokufaka isicelo esigcwele ukuze unciphise umzamo omoshiwe futhi ugxilise umzila wakho kumadili asebenzayo.
Abadayisi bezikweletu bachitha isikhathi esiningi kubafaki zicelo abangasoze bafaneleka. Ihora ngalinye elichithwa kuhlelo lokusebenza olungasebenziseki liyihora elingachithiwe ukuvala isivumelwano esisebenzayo. Inqubo yokufaneleka kwangaphambili komthengisi wesikweletu ikhona ukuze kulungiswe lokho: isinyathelo sokuhlola esihlelekile ngaphambi kokufaka isicelo esigcwele esinquma ukuthi umfakisicelo uyahlangabezana yini nezidingo eziyisisekelo zekhredithi kanye nokukwazi ukuzikhokhela. Uma ukufaneleka kwenziwa kahle, abathengisi bagxila emzamweni wokuthengisa kwabafake izicelo abasebenzayo futhi bayeke ukushisa amandla emacaleni azohluleka kumbolekisi. Lesi sihloko sichaza ukuthi kusho ukuthini ukufaneleka ekusebenzeni, kungani abathengisi abaningi bengakwenzi kahle, kubiza malini ukukweqa, nokuthi ungasakha kanjani isinyathelo sokuhlola esifanelana ne-ukugeleza komsebenzi wokuthola imalimboleko yakho.
Kusho Ukuthini I-Pre-Qualification Kuma-broker aseNingizimu Afrika
Ngokomongo womthengisi wezikweletu waseNingizimu Afrika, ukufaneleka kwangaphambili kungukuhlola ukufaneleka okwenzeka ngemva kokuba unemininingwane eyisisekelo yomfakisicelo nangaphambi kokuba utshale imali ekucubunguleni isicelo esigcwele. Iphendula umbuzo owodwa: ingabe lo mfakisicelo unethuba elingokoqobo lokugunyazwa uma enikezwa imibandela evamile yombolekisi kanye nemikhawulo yakho?
Ukufaneleka kwangaphambili akusona isinqumo esigcwele sekhredithi. Ayithathi indawo ukuhlolwa kokukwazi ukuthenga edingekayo ngaphansi kwe-NCA noma ukuhlola okunemininingwane okulindelwe ababolekisi. Kuyisihlungi. Udonsa idatha ye-bureau ku-Experian, Datanamix, noma TransUnion; ubuyekeza izinkomba ezibalulekile - ukuziphatha kokukhokha, uhlu olubi, ukusetshenziswa, izibopho ezikhona; usebenzisa isheke eliyisisekelo lokungakwazi ukukhokhela (imali engenayo eshiwo uma iqhathaniswa nezibopho ezikhona). Uma umfakisicelo ehluleka ngokusobala imibandela eyisisekelo, ubeka eqhulwini nomaukwehla kusenesikhathi. Uma bephumelela, udlulela kuhlelo lokusebenza olugcwele, ukuqoqwa kwamadokhumenti, kanye nokuhanjiswa kombolekisi. Inhloso ukwenza lokhu kuhlolwa ngamaminithi, hhayi ngemva kwamahora okucubungula.
Abathengisi abaphatha ukufaneleka kwangaphambili njengesinyathelo esisemthethweni bangaqhathanisa abafake izicelo ngesisekelo esifanayo. Labo abathembele ekuzizweleni kwamathumbu noma abeqa ukuhlola ngokuphelele baphusha izinhlelo zokusebenza eziningi emgqeni futhi bathole ukusebenza kahle kuphela lapho umbolekisi enqaba. Umehluko ubonakala emazingeni okuguqulwa, isikhathi sedili ngayinye, kanye nobudlelwano bababolekisi.
Kungani Ama-Broker amaningi Engasebenzi Ngaphambili Ngokuphumelelayo
Abathengi abaningi bakholelwa ukuthi bahlola abafaki izicelo uma bengasebenzi. Igebe livela endleleni ukuhlolwa okwenziwa ngayo.
Imizwa yamathumbu nezifinyezo zomlomo. Abanye abathengisi babuza imibuzo embalwa ocingweni noma baskene idokhumenti bese benza umbono. Ngaphandle kwedatha ye-bureau kanye nesethi yemithetho engaguquki, lowo mbono uzimele. Umthengisi oyedwa angase abe nethemba; omunye angase abe odla ngoludala. Umfakisicelo ofanayo angase athuthuke noma anqatshwe kuye ngokuthi ubani oshaya ucingo. I-gut feel ayilingani futhi ayihambisani nemibandela yokuboleka esekelwe kudatha ye-bureau kanye nezilinganiso zokukwazi ukuthengeka.
Ukufundwa kwe-PDF okwenziwa ngesandla ngaphandle kwesakhiwo. Ngisho nalapho abathengisi bekhipha umbiko wesikweletu, bavame ukuthola i-PDF. Ukuyifunda kusukela phezulu kuya phansi kuthatha isikhathi. Ukuqhathanisa abafake izicelo abaningi kusho ukuvula ama-PDF amaningi nokubamba imininingwane ngekhanda. Akukho ukubuka okujwayelekile kokuthi “pasi” noma “ukwehluleka” — umhloli ngamunye uhumusha amakhodi okukhokha, izahlulelo, kanye nokuzenzakalelayo ngendlela yakhe. Ukufunda mathupha nakho kwenza kube nzima ukusebenzisa imingcele efanayozikhathi zonke. Umphumela uba ukulinganisa okungaguquki kanye nabafaka izicelo abangena lapho kufanele ngabe bahlungiwe, noma okuphambene.
Akukho ukuhlungwa nhlobo. Esimeni esibi kakhulu, wonke umthofu uthathwa njengowuhlelo oluphelele. Umdayiseli uqoqa amadokhumenti, agcwalise amafomu, futhi awathumele kumbolekisi. Kuphela uma ukwehla kubuya lapho umdayisi ethola khona ukuthi umfakisicelo ube nesinqumo sakamuva, ubenezikweletu ezidlulele, noma wehlulekile ukuthola amaphuzu ombolekisi. Ngaleso sikhathi, kwase kusetshenziswe umzamo omkhulu. Leyo ndlela ikhulisa ivolumu ekugcineni okungalungile kwepayipi futhi inciphisa ingxenye yokuthunyelwa okuguqulayo.
Uchungechunge olujwayelekile ukuthi ukuhlolwa akukho noma akuhlelekile. Ukufaneleka kwangaphambili okusebenzayo kudinga idatha ye-bureau ngendlela esebenzisekayo kanye nemibandela ecacile esetshenziswa ngendlela efanayo kubo bonke abafake isicelo.
Izindleko Zokuqeqeshelwa Kwangaphambili Okubi
Uma ukuhlolwa kubuthakathaka noma kungabikho, izindleko ziyalinganiseka.
Isikhathi esichithiwe. Cabanga ngomthengisi ocubungula izicelo eziyi-100 ngenyanga. Uma u-40% wenqatshwa ezingeni lombolekisi futhi uhhafu walokho ubungase ukhonjwe ekutholeni iziqu ngaphambi kwesikhathi - ukufakwa ohlwini okungalungile, isikweletu sokuthola imali engenayo ngaphezu komkhawulo, noma amaphuzu angaphansi kokuncane - izicelo ezingu-20 zisebenzisa isikhathi sokucubungula esigcwele ngaphandle kwemiphumela. Ngisho namahora amabili ngesicelo ngasinye, lokho kungamahora angama-40 ngenyanga ezimeni ezingeke ziguquke. Leso sikhathi singaya ezinhlelweni eziqinile ezingu-80: ukulandelela okungcono, ukuhambisa okusheshayo, noma imikhondo emisha eyengeziwe.
Ubudlelwano bamakhasimende obonakele. Abafaki zicelo abanqatshwa ngemva kwenqubo ende — ngemva kokuhambisa ama-payslip, izitatimende zasebhange, kanye ne-ID — ngokuvamileuzizwe udukile. Bacabanga ukuthi umthengisi kufanele ngabe wazi ngaphambili. Ukwethenjwa nokudluliselwa kuyahlupheka. Iziqu zangaphambili azikuqedi ukwehla, kodwa kunciphisa inani labenzi bezicelo abatshala imali eningi ohlelweni obelungeke luphele ngokuvunywa.
Amanani aphansi okugunyaza kanye nokukhungatheka kwababolekisi. Ababolekisi bathola ukuthunyelwa okungahlangabezani nemibandela yabo eshiwo. Bayenqaba futhi bangase bangabaze ikhwalithi yepayipi lomthengisi. Abathengi abathumela ingxenye ephezulu yezinhlelo zokusebenza ezingasebenziseki bathola ukushintsha kancane kanye nokuvumelana nezimo okuncane. Labo abafaneleka ngaphambili futhi bahambise amacala asebenzayo ikakhulukazi bakha idumela lekhwalithi futhi bathole ukwelashwa okungcono njengembuyiselo.
Kulahlekelwe ukugxila. Umthamo wamapayipi unomkhawulo. Lonke uhlelo lokusebenza olungasebenziseki olufinyelela ukucutshungulwa okuphelele lususa olusebenzayo. Abathengi abahlola kusenesikhathi bangagxila kubafakisicelo abanethuba langempela lokugunyazwa futhi bavale amadili amaningi ngomzamo ofanayo. Umgomo wokufaneleka kwangaphambili uwukugxilisa umzamo wokuthengisa kubafakizicelo abasebenzayo - lokho kusebenza kuphela lapho ukuhlolwa kuhlelekile futhi kwenziwa ngaphambi kokucubungula ngokugcwele.
Indlela I-Credit Broker Esebenza Ngayo Ibukeka Injani Inqubo Yangaphambili Yokufaneleka eNingizimu Afrika
Inqubo yokufaneleka ephumelelayo ilandela ukulandelana okucacile futhi isebenzisa indlela yokunquma engaguquki.
Ukubuyekezwa kwedatha ye-Bureau. Donsa umbiko ku-bureau eyodwa noma ngaphezulu (Experian, Datanamix, TransUnion) ngokushesha ngemva kokuba uthole imvume kanye nemininingwane kamazisi. Idatha kufanele ibe ngendlela ehlelekile ukuze izinkambu ezibalulekile - isimo se-akhawunti, umlando wokukhokha, izahlulelo, okuzenzakalelayo, ukusetshenziswa, izibopho eziphelele - zibonakale shazi. Uma iidatha ikwifomu le-PDF kuphela, isinyathelo sokuqala kusewukukhipha nokubuyekeza lezi zinkomba ngaphambi kokuqhubeka.
Ukuhlola okuyisisekelo kokukwazi ukuthengeka. Ngaphambi kokuthi kugcwale ukuhlolwa kokukwazi ukuthenga, sebenzisa isheke elisheshayo lokuhlanzeka kwengqondo: iholo elimenyezelwe uma liqhathaniswa nezibopho ezikhona zanyanga zonke ezivela kwabehhovisi. Uma insizakalo yezikweletu ekhona isivele idla ingxenye enkulu yemali engenayo, noma uma isitolimende esihlongozwayo singacindezela umfakisicelo phezu komkhawulo ozwakalayo wesikweletu sokuthola imali engenayo, hlaba umkhosi noma wehle ngaphambi kwesikhathi. Awudingi izibalo zokugcina eziqinisekisiwe kulesi sigaba; udinga okwanele ukuze ukhiphe amacala angenakuthengeka ngokusobala.
Ukuhlolwa kokufakwa ohlwini okungalungile. Chaza imithetho yezahlulelo, okuzenzakalelayo, kanye nokuziphatha kokukhokha okubi. Isibonelo: azikho izahlulelo ezisebenzayo ezinyangeni ezingu-24 ezedlule, noma akukho okumisiwe kwamanje ngaphezu kwevelu ethile. Sebenzisa le mithetho kubo bonke abafake isicelo. Labo abehlulekayo abaqhubeki nesicelo esigcwele ngaphandle uma kukhona okuhlukile okubhaliwe.
Ama-threshold okuthola amaphuzu. Uma wena noma ababolekisi bakho nisebenzisa amabhendi wamaphuzu, setha ubuncane bokufaneleka kokufaneleka. Abafake izicelo abangaphansi komkhawulo bathathwa njengebalulekile noma benqatshwa kusenesikhathi. Lokho kugcina umzila uhambisana nesifiso somboleki futhi kugwema ukuthunyelwa okuqinisekile ukuthi kuzonqatshwa.
Kwenziwe ngemizuzu. Lonke iphuzu lokufaneleka kwangaphambilini isivinini. Umphumela kufanele ube: nokwenzeka — uqhubekele ekufakeni isicelo esigcwele; noma kungenzeki - ukwehla noma ukupaka. Uma ukuhlolwa kuthatha isikhathi eside ukucutshungulwa okugcwele, inzuzo iyalahleka. Isakhiwo namathuluzi abalulekile: lapho idatha ye-bureau ihlukaniselwa izinkambu eziqhathanisekayo futhi imithetho isetshenziswa ngokuzenzakalelayo, ukuhlola kungaqedwa ngemizuzu kunokuba ngemva kokwakhiwa kwefayela eligcwele.
##Iziqu zangaphambili vs Ukuhlola Okugcwele
Kubalulekile ukuhlukanisa izifundo zangaphambi kweziqu nokuhlola okuphelele okulandelayo.
Iziqu zangaphambilini ukuhlola ukusebenza ngokushesha. Usebenzisa idatha ye-bureau kanye nengqondo eyisisekelo yokukwazi ukukhokhela ukuphendula: ingabe lo mfakisicelo uyahlangabezana nemibandela encane yokugunyaza ukucutshungulwa okugcwele? Awekho amadokhumenti emali engenayo aqinisekisiwe, akukho ukuhlukaniswa kwezindleko ezinemininingwane, akukho mbiko osemthethweni wokukwazi ukukhokhela i-NCA. Okukhiphayo wukuhamba/ukungahambeli kwesigaba esilandelayo.
Ukuhlola okugcwele kuyinqubo enemininingwane. Kuhlanganisa imali engenayo nezindleko eziqinisekisiwe, ukubala okufanelekile kokukwazi ukukhokhela ngokuhambisana nokulindelwe yi-NCA, imibhalo eqondene nombolekisi, kanye nephakheji eliphelele lokulethwa. Ukuhlola okuphelele yilokho okwenzayo kubafakizicelo abaphumelele ngaphambi kweziqu. Futhi yilapho izindlela zokucwaningwa kwamabhuku kanye nemibhalo yokuhambisana kubaluleke kakhulu.
Ukufaneleka kwangaphambili akuthathi indawo yokuhlola okuphelele. Iqinisekisa ukuthi ukuhlolwa okuphelele kugcinelwe abafakizicelo abanethuba elingokoqobo lokugunyazwa. Ukweqa ukufaneleka kusho ukwenza ukuhlola okuphelele kwawo wonke umuntu, kuhlanganisa nabaningi abangasoze bafaneleka. Ukwenza iziqu zangaphambili kuphela kanye nokweqa ukuhlola okugcwele ngeke kuhambisane futhi angeke kwanelise ababolekisi. Izinyathelo ezimbili zihlala ngokulandelana: isikrini kuqala, bese uhlola bese uyahambisa.
Lapho Ukufaneleka Kwangaphambili Kungena Epayipini Lokuqalwa Kwemalimboleko
Ukufaneleka kuqala kuyisigaba sokuqala ukugeleza komsebenzi wokuqalisa ukubolekwa kwemali kwabadayisi bezikweletu. Kulokho kuhamba komsebenzi, ngemva kokuthwebula umthofu nokuhlolwa kokuqala (umkhiqizo ongakwesokudla, ukufaneleka okuyisisekelo), isinyathelo esilandelayo ngokuvamile ukudonsa kwehhovisi. Iziqu zangaphambili yilokho okwenzayo ngaleyo datha yehhovisi ngaphambi kokutshala imali ekuqoqweni kwemibhalo, igcweleukuhlolwa kokukwazi ukukhokhela, kanye nokuhanjiswa kombolekisi.
Abathengi abasebenzisa ipayipi lokusungula elihlelekile bafaka ukufaneleka ngokushesha ngemva kokudonsa kwehhovisi. Ukugeleza yilokhu: ukuhola, umbiko wehhovisi uyadonswa, ukufaneleka kusetshenziswe, bese “qhubeka nesicelo esigcwele” noma “ukwenqaba/ukupaka.” Lokho kugcina ipayipi lihlanzekile futhi kuqinisekisa ukuthi izimo ezisebenzayo kuphela ezidla ingxenye esele yenqubo. Ukuze uthole isithombe esigcwele sezigaba nalapho ubuchwepheshe bungasiza khona, bona umhlahlandlela wethu ku-imvelaphi yemalimboleko yabathengi bezikweletu eNingizimu Afrika.
Ubani Ohlomulayo Ngeziqu Zangaphambili Eziqinile
Izinkinga zangaphambi kweziqu zanoma yimuphi umthengisi ofuna ukugxila emzamweni wokuthengisa kubafaki zicelo abasebenzayo futhi anciphise umzamo wamapayipi omoshakalayo.
Abadayisi bezikweletu abazimele abasingatha umjikelezo ogcwele kusukela ekuxhumaneni kokuqala kuya ekuthumeleni bayazuza ekuhlolweni kusenesikhathi. Ngomthamo olinganiselwe, ihora ngalinye libalulekile. Isinyathelo esicacile sokufaneleka sibavumela ukuthi babeke phambili amathemba angcono kakhulu futhi banikeze impendulo esheshayo, eqotho kubafaki zicelo abangakakwazi ukusebenza.
Amafemu aqala ukuboleka imali acubungula izicelo ngenani elikhulu kubabolekisi noma abasabalalisi badinga ukulinganisa okungaguquki. Lapho imibandela isetshenziswa ngendlela efanayo kubo bonke abafake isicelo, ikhwalithi yokuthunyelwa iyathuthuka futhi ubudlelwano nababolekisi bayaqina. Ukufaneleka kuqala kuyiphuzu lokulawula lokuqala isofthiwe yomthengisi wesikweletu ekuhambeni komsebenzi okukalayo.
Ama-brokerage anevolumu ephezulu azwa izindleko zokungahlolisi kahle kakhulu. Lapho izicelo eziningi noma amakhulu zidlula epayipini inyanga ngayinye, ngisho noshintsho oluncane kungxenye yezinhlelo zokusebenza ezisebenzisekayo uma luqhathaniswa nezingasebenzi lunomthelela omkhulu ngesikhathi nokuguqulwa. Iziqu zangaphambili ezihleliwe zinciphisainani lezinhlelo zokusebenza ezifinyelela ukucutshungulwa okugcwele kuphela okuzonqatshwa, futhi likhulula umthamo wamakesi aguqukayo.
Ukuze uthole okwengeziwe ngokuthi ukuhlolwa kwekhredithi nokugeleza komsebenzi womdayisi kuhlangana kanjani, bona ihabhu isofthiwe yokuhlola izikweletu eNingizimu Afrika.
Iyavala
Iziqu zangaphambili zomthengisi wezikweletu eNingizimu Afrika akuyona into ewubukhazikhazi. Isinyathelo sokuhlola esinquma ukuthi umfakisicelo ufanele ukucutshungulwa ngokugcwele. Uma yakhiwe - idatha yehhovisi ibuyekeziwe, ukukwazi ukuthenga okuyisisekelo kanye nemithetho yokufakwa kuhlu engalungile isetshenziswa, kusetshenziswa izilinganiso zokuthola amaphuzu - abadayisi bachitha isikhathi esincane befaka izicelo eziphelele nokunye okwengeziwe kumadili aguqukayo. Umphumela uba amazinga okugunyazwa angcono, ubudlelwano obuqinile nababolekisi, namandla agxile kubafakizicelo abasebenzayo.
Uma ufuna ukubona ukuthi idatha ehlelekile yehhovisi kanye nemithetho yokufaneleka ingangena kanjani ekuhambeni komsebenzi wakho womdayiseli, thintana futhi singahamba enqubweni yakho yamanje nalapho ukuhlola kungase kusebenze ngokushesha.