Ifomu 17.2 Lokwelulekwa Ngezikweletu eNingizimu Afrika | Umhlahlandlela
Umhlahlandlela wochwepheshe weFomu 17.2 lokwelulekwa ngezikweletu eNingizimu Afrika, okuhlanganisa nokuqukethwe kwesiphakamiso esidingekayo kanye nezixhumanisi zeFomu 16, 17.1, kanye ne-17.3.
Ukwelulekwa ngezikweletu eNingizimu Afrika kwenza imibhalo ebalulekile kuzo zonke izigaba. Kusukela ekuhloleni kokuqala kuye kusitifiketi sokugunyazwa, isinyathelo ngasinye sikhiqiza amafomu, izitifiketi, kanye nezincwadi okufanele zinembile, zingaguquki, futhi zibuyiseleke. Ifomu 17.2—isiphakamiso someluleki wezikweletu—ingenye yemibhalo ebaluleke kakhulu ohlelweni. Isethulo esisemthethweni esibeka uhlelo lokukhokha oluhlelwe kabusha ukuze lucutshungulwe yinkantolo noma inkantolo. Nokho amafemu amaningi anenkinga yokulungiselela, ukungaguquguquki, nokugcinwa kwamarekhodi eFomu 17.2 kanye nochungechunge olubanzi lwemibhalo. Amaphutha ezindabeni zokulibaziseka kwesiphakamiso, adala ingcuphe yokuthobela imithetho, futhi alulaza ukuzethemba enqubweni. Lo mhlahlandlela uchaza ukuthi liyini iFomu 17.2, ukuthi lingena kanjani ochungechungeni lwemibhalo egcwele, yiziphi izinselelo ezivamile amafemu abhekana nazo, nokuthi ungahlela kanjani ukuhamba komsebenzi wakho ukuze imibhalo ikusekele kunokuba ivimbele ukululekwa ngokwezikweletu.
Liyini Ifomu 17.2 nokuthi Kungani Libalulekile
Ifomu 17.2 liyidokhumenti yesiphakamiso esemthethweni ehanjiswa umeluleki ngezikweletu ngaphansi koMthetho Kazwelonke Wezikweletu kanye nenqubo yokubuyekezwa kwezikweletu. Inqunywa ngaphansi koMthetho kanye nemithethonqubo futhi imele ukuhlelwa kabusha okunconyiwe ngumeluleki: yiziphi izikweletu ezifakiwe, yimiphi imibandela encishisiwe noma eyeluliwe ehlongozwayo, nokuthi umthengi uzomkhokhela kanjani umbolekisi ngamunye ngokuhamba kwesikhathi. Ifomu aliyona okusalungiswa noma idokhumenti yokusebenza yangaphakathi. Kuyisiphakamiso esisemthethweni izinkantolo, izinkantolo, kanye nabahlinzeki bezikweletu abathembele kukho ukuze banqume ukuthi bayakwamukela yini ukuhlelwa kabusha noma ukuphikisa. Ngakho-ke ukunemba nokuphelela kubalulekile.
Ifomukufanele iqukathe uhlelo lokukhokha oluhlelwe kabusha ngemininingwane eyanele ukuze umbolekisi ngamunye aqonde ukuthi yini ehlongozwayo. Lokho ngokuvamile kuhlanganisa imininingwane yombolekisi, izinkomba ze-akhawunti, amabhalansi amanje (aqondaniswe nesitifiketi sebhalansi lapho kufanele khona), izitolimende ezihlongozwayo zanyanga zonke, izinguquko zesikhathi esiphakanyisiwe, kanye nanoma iyiphi inzalo noma izivumelwano zenkokhelo eziboniswa esihlongozweni. Umehluko phakathi kwezibalo eziseFomu 17.2 kanye nesisekelo umbiko wesikweletu noma isitifiketi sebhalansi kungaholela ekuphikiseni, ukubambezeleka, noma ukwenqatshwa. Izinkantolo nezinkantolo zilindele ukuthi isiphakamiso sihambisane nedatha esisekelayo. Uma izibalo zingafani, ukwethembeka kwakho konke okuthunyelwayo kubukela phansi.
Ukubaluleka okungokomthetho kweFomu 17.2 kudlulela ngale kwecala elisheshayo. Kuyingxenye yobufakazi bokuthi umeluleki wezikweletu usihlole kanjani isimo somthengi nokuthi yini ayincomayo. Uma isikhalazo sifakiwe noma i-NCR yenza ucwaningo, isiphakamiso kanye nemibhalo esekelayo kufanele ibonise ukuthi umeluleki usebenzise indlela ephusile kanye nokuthi izibalo zithathwe emininingwaneni yomthombo oqinisekiswayo. Ukulungiselela okungalungile noma imibhalo engahambisani kwenza kube nzima ukuvikela izinqumo futhi kungaholela ekutholweni kokuthotshelwa komthetho. Ukuqonda ukuthi leli fomu kufanele likuqukathe ini kanye nokuqinisekisa ukuthi ligcwele idatha ehleliwe, elandelekayo kuyingxenye eyinhloko yomkhuba wokwelulekwa ngezikweletu ngaphansi Umthetho Wezikweletu Kazwelonke.
Amadokhumenti Abalulekile Kuwo wonke Inqubo Yokubuyekeza Isikweletu
Inqubo yokubuyekezwa kwezikweletu ngaphansi kwe-NCA ikhiqiza ukulandelana okuchaziwe kwemibhalo. Ngamunye unenjongo ehlukile futhiizethameli, futhi ndawonye bakha uchungechunge lobufakazi kusukela ekwazisweni kuya ekugunyazweni. Ukujwayelana nalolu chungechunge kukusiza ukuthi uqinisekise ukuthi ifayela ngalinye lamacala liphelele futhi akukho lutho oluphuthelwa lapho ulungiselela inkantolo, uphendula abakweletwayo, noma ubhekene nokucwaningwa kwamabhuku.
Ifomu le-16 yisaziso esiya kwabe-credit bureaux sokuthi umthengi ufake isicelo sokubuyekezwa kwezikweletu. Ithunyelwa kusenesikhathi ohlelweni futhi iqinisekisa ukuthi irekhodi lesikweletu somthengi libonisa isimo sokubuyekezwa kwesikweletu. Lokhu kuvikela umthengi ekunwetshweni kwezikweletu ezengeziwe ngesikhathi kubuyekezwa kanye nezimpawu embonini ukuthi lolu hlelo seluqalile. Ukuhanjiswa kweFomu le-16 ngokuvamile kungenye yezinyathelo zokuqala ezisemthethweni ngemva kokuhlolwa kokuqala nokwamukelwa komthengi ohlelweni.
Ifomu 17.1 liyisitifiketi sebhalansi, esibonisa amabhalansi okufanele akhokhelwe umbolekisi ngamunye ngesikhathi esithile. Izibalo eziseFomu 17.2 kufanele zihambisane neFomu 17.1 (noma nehhovisi lamanje kakhulu noma idatha yombolekisi lapho 17.1 ibuyekeziwe). Ukungahambisani phakathi kwesitifiketi nesiphakamiso kudala ukudideka futhi kungaholela ekuphikisaneni noma ekunqatshweni. Ifomu 17.2 liyisiphakamiso someluleki wezikweletu, esilethwe enkantolo noma enkantolo nakubanikezeli bezikweletu; ukulungiswa kwayo kuncike ezibalweni ezinembile ezivela kuFomu 17.1 kanye nokusuka ngaphansi imibiko yezikweletu. Ifomu 17.3 wumyalelo wemvume—umphumela osemthethweni lapho isiphakamiso samukelwe—futhi kufanele sihambisane nalokho okuhlongoziwe. Isitifiketi sokugunyazwa sikhishwa lapho umthengi eseqede zonke izibopho futhi ephetha iketango; ifayela kufanele liyigcine njengesiqephu sokugcina.Le mibhalo yenza ukulandisa okukodwa: isaziso, ukuqinisekiswa kwebhalansi, isiphakamiso, umyalelo wemvume, kanye nokugunyazwa. Izikhala noma ukungahambisani kunoma yisiphi isixhumanisi kwenza buthaka lonke iketango futhi kudala ingozi. Ukuze uthole isithombe esigcwele sokuthi lezi zinyathelo zingena kanjani enqubweni yokuphela ukuya ekupheleni, bheka ukubuka kwethu konke kwe-inqubo yokubuyekezwa kwezikweletu eNingizimu Afrika. Amafemu asebenzisa isofthiwe yokweluleka ngezikweletu eyakhelwe ukugeleza komsebenzi waseNingizimu Afrika ngokuvamile akuthola kulula ukunakekela lolu chungechunge ngoba idatha yamacala namadokhumenti agcinwe endaweni eyodwa futhi axhunyaniswa ngokucacile.
Izinselelo Ezivamile Zokubhalwa Kwemibhalo Emafemu
Abasebenzi babhekana nezinselele ezimbalwa eziphindaphindayo lapho belungiselela futhi bephatha imibhalo yokwelulekwa kwezikweletu. Ukubona lokhu kukusiza ukuthi ukhombe lapho inqubo yakho ingase ibe ngaphansi kwengcindezi nalapho ukuthuthukiswa kuzoba nomthelela omkhulu kakhulu.
Ukugcwalisa amafomu avela emibikweni yezikweletu ze-PDF kungenye yezinto ezidla isikhathi kakhulu futhi ezivame ukuba namaphutha ekuhambeni komsebenzi. Imibiko yezikweletu evela kwa-Experian, Datanamix, TransUnion, noma amanye ama-bureaux ivamise ukufika njengama-PDF. Abeluleki kufanele bafunde i-PDF, bakhiphe imininingwane ye-akhawunti namabhalansi, futhi baphinde bawafake eFomu 17.2 (kanye naseFomu 17.1 lapho kufanele khona). Lesi sinyathelo sokuloba sethula amaphutha: izinombolo ze-akhawunti ezingalungile, izibalo ezishintshiwe, noma ama-akhawunti aphuthelwe. Uma umthombo kuyi-PDF enamakhasi amaningi enezakhiwo ezihlukene, ubungozi buyanda. Akukho ukuxhumana okuzenzakalelayo phakathi kombiko kanye nefomu, ngakho-ke uma umcwaningi mabhuku ebuza ukuthi yimuphi umbiko osetshenzisiwe ukuze kugcwaliswe isiphakamiso, impendulo ingase idinge ukuthi kuhlolwe ngesandla.
Ukungahambisani phakathi kwedatha yehhovisi kanye nezibalo zeziphakamiso kuwumphumela oqondile wemanuwaliukuloba nokusebenzisa imithombo yedatha eyahlukene ngezikhathi ezihlukene. Ibhalansi embikweni wezikweletu kungenzeka ibuyekezwe yi-bureau ngemuva kokuthi umeluleki egcine ebheka; umbolekisi kungenzeka ukuthi unikeze ibhalansi ehlukile eFomu 17.1. Uma isiphakamiso singabuyekeziwe ukuze sibonise umthombo ofanayo noma usuku olufanayo, izibalo zeFomu 17.2 zingahluka kulokho abakweletwayo kanye nenkantolo abakulindele. Ukuxazulula lokhu kuphambana kumosha isikhathi futhi kungabambezela noma kuphazamise isicelo.
Ukulawulwa kwenguqulo lapho iziphakamiso zibuyekezwa kungenye inkinga evamile. Iziphakamiso zivame ukuchitshiyelwa ngemva kwempendulo yombolekisi noma amabhalansi abuyekeziwe. Ngaphandle kokuguqulwa okucacile nezitembu zesikhathi, amafemu asengozini yokuhambisa okusalungiswa okuphelelwe yisikhathi noma ukungakwazi ukukhombisa ukuthi iyiphi inguqulo ethunyelwe enkantolo noma kumkweletisi. Ukugcina kanye nokubuyisa amadokhumenti kuwo wonke amacala nakho kuba nzima njengoba umthamo ukhula. Amafayela amacala asatshalaliswa kumadrayivu abiwayo, i-imeyili, nemishini yasendaweni akwenza kudle isikhathi ukuthola Ifomu 17.2, Ifomu 17.1, kanye nombiko wesikweletu wecala elithile. Lapho i-NCR icela amafayela noma kufakwa isikhalazo, ikhono lokukhiqiza ifayela eliphelele ngokushesha libalulekile; isitoreji esingahlelekile sibukela phansi lokho.
Ukufakazela ukuphelela kwemibhalo ngesikhathi sokuhlolwa kwe-NCR kuba nzima uma uchungechunge luhlukaniswa. Abacwaningi mabhuku balindele ukubona ukulandelana okugcwele kwamadokhumenti odabeni ngalunye, anesixhumanisi esicacile phakathi kwedatha yekhredithi esetshenzisiwe, isitifiketi sebhalansi, isiphakamiso, nomphumela. Lapho amadokhumenti ehlakazeka noma lapho ukuxhumana phakathi kombiko wehhovisi kanye nesiphakamiso kungacacile, inkampani ingase ibe nzimakhombisa ukuthi kwalandelwa inqubo efanele. Lokhu kungaholela ekutholweni kokuthotshelwa komthetho ngisho nalapho umsebenzi oyisisekelo ubuzwakala.
Indlela Amadokhumenti Ampofu Adala Ngayo Ubungozi
Imiphumela yamadokhumenti abuthakathaka ingokoqobo futhi ingathinta kokubili umphumela wamacala ngamanye kanye nokuma kwefemu nabalawuli nezinkantolo.
Iziphakamiso ezinqatshiwe ziwumphumela oqondile wamaphutha noma ukungahambisani kweFomu 17.2 noma imibhalo yalo esekelayo. Izinkantolo nezinkantolo zingase zinqabe noma zizihlehlise izicelo uma izibalo zingahlangani, lapho imininingwane yombolekisi ingalungile, noma lapho isiphakamiso singqubuzana nesitifiketi sebhalansi. Ukwenqatshwa ngakunye noma ukuhlehlisa ukulibaziseka kumthengi futhi kwengeza izindleko nokusebenza kabusha kwenkampani. Kwezinye izimo, amaphutha aphindaphindiwe angaphazamisa umbono wenkantolo mayelana nekhono lenkampani.
Ukuthotshelwa kokuthotshelwa kwe-NCR kuvela lapho abacwaningi mabhuku bengakwazi ukubona uchungechunge lwemibhalo oluphelele, olungaguquki. I-NCR ilindele ukuthi abeluleki bezikweletu bagcine amarekhodi anele futhi babonise ukuthi izincomo zisekelwe kudatha efanele kanye nezindlela zokusebenza. Amafayela angaphelele, izixhumanisi ezingekho phakathi kwemibiko neziphakamiso, noma ukungakwazi ukukhiqiza imibhalo ngesicelo kungase kubangele okutholiwe, izidingo zokulungisa, noma ezimeni ezibucayi izinyathelo zokuqondiswa kwezigwegwe noma zokusulwa kokubhaliswa. Ingcuphe yokuthobela umthetho ayikona nje kuphela okuqukethwe yisiphakamiso kodwa imayelana nekhono lokukhombisa ukuthi sakhiqizwa kanjani nokuthi kungani sathethelelwa.
Ukungakwazi ukuvikela izinqumo ngesikhathi sezikhalazo kungomunye umphumela. Lapho umthengi noma umbolekisi ekhononda, inkampani kufanele ikwazi ukukhombisa ukuthi iyiphi idatha esetshenzisiwe, ukuthi isiphakamiso sabalwa kanjani,nokuthi kungani izincomo zenziwe. Uma amadokhumenti engaphelele noma isixhumanisi phakathi kombiko wesikweletu nesiphakamiso singacacile, inkampani ayikwazi ukufaka ukuzivikela okucacile. Isikhalazo singase sivunywe hhayi ngoba isincomo besingalungile kodwa ngenxa yokuthi inqubo ayikwazi ukuboniswa.
Isikhathi esichithiwe sokwenza kabusha umsebenzi lapho amadokhumenti elahlekile noma engaphelele kuyizindleko zokusebenza. Abeluleki okufanele bakhe kabusha iziphakamiso kusukela ekuqaleni ngenxa yokuthi inguqulo efanele ayitholakali, noma okufanele baphinde bakhiphe idatha kuma-PDF ngenxa yokuthi ukuxhumana kwasekuqaleni akuzange kuqoshwe, bachithe isikhathi ekusebenzeni kabusha okungagwemeka. Leso sikhathi singasetshenziselwa amacala amasha noma ekuqinisekiseni ikhwalithi. Ngakho-ke ukuhamba kahle kwemibhalo kunomthelela oqondile emandleni nasenzuzweni.
Imibhalo Eyakhayo Yokuvumelana Nokuhambisana
Umkhuba ongcono kakhulu ukuphatha uchungechunge lwamadokhumenti njengokuphuma okuhlelekile kokugeleza komsebenzi wecala, hhayi njengokucatshangelwa kamuva. Izimiso ezilandelayo zisiza ekufinyeleleni ukuvumelana nokuhambisana.
Hlela ukuhamba komsebenzi ukuze wonke amacala akhiqize ukulandelana kwemibhalo efanayo. Kusukela ekuhloleni kokuqala kuye ekugunyazweni, chaza izinyathelo kanye nemibhalo okumele isinyathelo ngasinye siyikhiphe. Uma wonke umeluleki elandela ukuhamba komsebenzi okufanayo, amafayela wamacala ayaqhathaniswa, ukuqeqeshwa kuba lula, futhi abacwaningi mabhuku babona indlela ephindaphindwayo. Izindlela zesikhashana—lapho umeluleki oyedwa egcina amadokhumenti ngendlela eyodwa futhi enye ngendlela ehlukile—kudala ukungqubuzana futhi andise ithuba lokulahleka kwemibhalo noma izinyathelo.
Xhuma iziphakamiso emuva kudatha yehhovisi lomthombo ngokucacile. Ukuhanjiswa kweFomu 17.2kufanele kulandelelwe embikweni othile wesikweletu noma imibiko esetshenzisiwe ukuze kugcwaliswe. Ngokusethwa okuhle, isistimu irekhoda umbiko owakhishwa, nini, futhi kwenziwa siphi isimo, futhi isiphakamiso siyakhiqizwa noma sigcwaliswe kuleyo datha ehleliwe kunokuba silotshwe mathupha. Leso sixhumanisi sibe sesitholakala ukuze sicwaningwe: umcwaningi mabhuku angabona ukuthi isiphakamiso sithathwe emthonjeni ochaziwe futhi angaqinisekisa ukuvumelana. Lokhu kuhambisana nokuthi Izidingo zokugcina amarekhodi e-NCA kanye nalokho i-NCR ekulindele lapho ibuyekeza amafayela.
Gcina amarekhodi anesitembu sesikhathi ukuze ukulandelana kwezehlakalo kucace. Ukhishwe nini umbiko? Sakhiwe nini noma sagcina nini ukuchitshiyelwa isiphakamiso? Ihanjiswe nini? Izitembu zesikhathi zisekela kokubili ukulawula kwekhwalithi yangaphakathi nokuhlolwa kwangaphandle. Basiza ukuxazulula izingxabano mayelana nokuthi iyiphi inguqulo eyayikhona ngesikhathi esinikeziwe futhi babonise ukuthi umsebenzi wenziwe ngokulandelana okunengqondo.
Qinisekisa ukuthi amafomu agcwaliswa ngedatha ehlelekile kunokulotshwa mathupha lapho kunokwenzeka khona. Uma idatha ye-akhawunti nebhalansi ibanjwe ngefomethi ehlelekile (isibonelo, ngemva kokuhlaziya umbiko wesikweletu ku-schema esingaguquki), leyo datha ingasetshenziswa ukuze kugcwaliswe kusengaphambili Ifomu 17.2 namafomu ahlobene. Lokhu kunciphisa amaphutha okhiye, kusheshisa ukulungiselela, futhi kudala isixhumanisi esizenzakalelayo phakathi kwedatha yomthombo kanye nesiphakamiso. Umgomo awukona ukususa ukwahlulela kochwepheshe—ukuqinisekisa ukuthi idatha ephakela isiphakamiso inembile futhi iyalandeleka.
Isoftware Ikusekela Kanjani Ukugeleza Kokusebenza Kombhalo
Isofthiwe yokwelulekwa kwezikweletu ezakhelwe ngenhloso ingabhekana nezinselele eziningi ezichazwe ngenhla. Injongolapha akukhona ukuthengisa umkhiqizo othile kodwa ukucacisa ukuthi yimaphi amathuluzi amahle okufanele asebenze ukuze ukwazi ukuhlola izinketho ngokumelene nezidingo zakho.
Isofthiwe engenisa futhi yakhe idatha yombiko wesikweletu ingasusa noma yehlise ukulotshwa ngesandla. Uma imibiko evela ku-Experian, Datanamix, noma amanye ama-bureaux icutshungulwa ibe ifomethi efanayo, isistimu ingagcwalisa izinkambu zesiphakamiso kusukela kuleyo datha. Ibhalansi nolwazi lombolekisi lugeleza lusuka embikweni luye efomini ngaphandle kokufaka kabusha ukhiye, ukunciphisa amaphutha nokudala ukuxhumana okuqondile phakathi komthombo nesiphakamiso. Ukuphathwa kwedokhumenti okugxile ezintweni kugcina iketango eligcwele endaweni eyodwa ecaleni ngalinye: Ifomu 16, 17.1, 17.2, 17.3, isitifiketi sokugunyazwa, kanye nemibiko ewumsuka egcinwe futhi exhunywe nerekhodi lecala. Ukubuyisa kuba yindaba yokuvula ifayela lecala kunokusesha kuwo wonke amadrayivu nama-imeyili.
Izindlela zokucwaninga zirekhoda ukuthi ubani owenze ini futhi nini—ukudonsa kombiko, ukudalwa kwesiphakamiso noma izichibiyelo, ukuhanjiswa—ngezigxivizo zesikhathi nezihlonzi zabasebenzisi. Lokho kusekela ukugada kwangaphakathi nokucwaninga kwangaphandle: ungabonisa ukuthi isiphakamiso besisekelwe embikweni othile nokuthi inguqulo ethunyelwe beyilungile. Ukungaguquguquki kuzo zonke izimo kulula uma ukugeleza komsebenzi okufanayo nezakhiwo zedatha kusetshenziswa ifayela ngalinye. Isofthiwe ephoqelela noma eqondisa ukuhamba komsebenzi isiza ukuqinisekisa ukuthi asikho isinyathelo esigejwayo nokuthi ifayela ngalinye lecala lihlangabezana nezinga elifanayo. Lolu uhlobo losekelo isofthiwe yokwelulekwa ngezikweletu yamafemu aseNingizimu Afrika oluklanyelwe ukuhlinzeka, oluqondaniswe namadokhumenti kanye ukuthobela nokulindelwe yi-NCR kanye nezinkantolo.
Qinisa Ukuhamba Kwemibhalo Yakho Yokusebenza
Ifomu 17.2kanye nochungechunge olubanzi lwamadokhumenti luyisisekelo sokuhambisana, nokwelulekwa ngezikweletu okuphumelelayo. Uma ukulungiswa kufana, izibalo zilandeleka ukuze kutholwe idatha, futhi uchungechunge olugcwele luyagcinwa futhi lubuyiseke esimweni ngasinye, unciphisa ingcuphe yeziphakamiso ezinqatshiwe, okutholwe yi-NCR, kanye nezikhala zokuvikela. Ukulinganisa ukugeleza komsebenzi, ukuxhumanisa iziphakamiso kudatha yehhovisi, nokugcina amarekhodi anesitembu sesikhathi kuyizinqubo eziholela ekulungiseleleni amabhuku kanye nasekuqhubekiseni phambili izindaba ngazinye.
Uma inkampani yakho isilungele ukuthuthukisa indlela olungiselela futhi uphathe ngayo imibhalo yokwelulekwa ngezikweletu, Xhumana nathi ukuze ubone ukuthi idatha yekhredithi ehlelekile kanye nemibhalo ezenzakalelayo ingasekela kanjani ukwelulekwa kwezikweletu okuthobelana. I-EvalFin isiza abeluleki bezikweletu abanelayisensi ukuthi bahlanganise idatha yombiko wesikweletu, bakhiqize futhi bagcwalise amafomu aleyo datha, futhi bagcine izindlela zokucwaninga ezicacile—ukuze ukuhamba komsebenzi wamadokhumenti akho kusekele kunokuba kuvimbe ukwenza kwakho.