Atharwa Mobile App

Tech Academy Pvt. Ltd.

Mayelana nalolu hlelo lokusebenza

I-Atharwa Mobile App ihlinzeka ngezixazululo ezihlukene zebhange kanye nokwenza lula ukukhokhwa kwezinsiza kanye nokushajwa kabusha kweselula/ ukufakwa kwe-topup kubahlinzeki bezinsizakalo zocingo abahlukene kubanikazi bama-akhawunti be-Atharwa Saving and Credit Co-operative Society Ltd.

Isici esibalulekile se-Atharwa Mobile App
Inika amandla umsebenzisi ukwenza imisebenzi yasebhange ehlukahlukene njenge-Fund Transfer
Ilandelela konke okwenzayo ngohlelo lokusebenza oluvikelekile.
I-Atharwa Mobile App ikusiza ukuthi ukhokhe izikweletu ezahlukene kanye nokukhokha kwezinsiza ngokusebenzisa abathengisi abavikelekile kakhulu.
Ukuskena kwe-QR: Isici sokuskena nokukhokha esikuvumela ukuthi uskene futhi ukhokhele abathengisi abahlukene.
Uhlelo lokusebenza oluvikeleke kakhulu olunobuqiniso bezinto ezimbili nezigxivizo zeminwe.



Faka isicelo semalimboleko ngohlelo lwethu lokusebenza:

I-Atharwa Mobile App inikezela ngezinhlobo ezahlukene zemalimboleko kumakhasimende ethu, sizobe siklelisa isigaba semalimboleko ngezinga lenzalo futhi ungakhetha ukufaka isicelo sesigaba semalimboleko esidingekayo.

(Qaphela: Lona ulwazi lwemalimboleko lokufaka isicelo futhi ukuze athole imvume ikhasimende lidinga ukuvakashela ihhovisi le-Atharwa Saving and Credit Co-operative Society Ltd.)


Isibonelo Semalimboleko Yomuntu Siqu

Ngemalimboleko yomuntu siqu, kuyasebenza izinto ezilandelayo:
A. Inani Eliphansi Lemali Ebolekiwe NRs 10,000.00 Ubukhulu Bokubolekwa Nrs. 1,000,000.00
B. Isikhathi Semalimboleko: Izinyanga ezingama-60(1825Izinsuku)
C. Imodi yokukhokha: EMI
D. Isikhathi Somusa: Izinyanga eziyisi-6. Inzalo kufanele ikhokhwe ngesikhathi somusa.
E. Izinga Lenzalo: 14.75%
F. Izimali Zokucubungula = 1% yenani lemalimboleko.
G. Ukufaneleka:
1. Isakhamuzi saseNepal.
2. Ubudala obungaphezu kweminyaka eyi-18
3. Kumele ube nesiqiniseko.
4. Yiba nomthombo wemali engenayo onedokhumende ye-tax clearance
*I-APR = Isilinganiso Sephesenti Lonyaka
H. Ubuncane besikhathi sokukhokha yizinyanga eziyi-12(unyaka owodwa) futhi isikhathi esiphezulu sokukhokha isikhathi sokubolekwa imali ngokwesivumelwano (okuyiminyaka emi-5 kulesi sibonelo).
I. Isilinganiso Sephesenti Eliphezulu Lonyaka ngu-14.75%.


Isibonelo semalimboleko:
Ake sithi ufaka isicelo semali mboleko yomuntu siqu engu-NRs 1,000,000.00 enhlanganweni ngenani lenzalo engu-14.75% (ngonyaka) futhi isikhathi sakho sokubolekwa imali yiminyaka emi-5,

Isitolimende Esilinganisiwe Sanyanga Zonke (EMI)= Rs.23659.00
Isamba senzuzo ekhokhwayo = Rs.407722.00
Isamba Senkokhelo = Rs. 407722.00
Izimali zokucubungula izikweletu = 1% yenani lemalimboleko = 1% wama-Rs. 1,000,000.00 = Rs. 10,000.00

I-EMI izobalwa kanje:

P x R x (1+R)^N / [(1+R)^N-1]

kuphi,

P = Inani eliyinhloko lemali mboleko

R = Izinga lenzalo (Yonyaka)

N = Inani lezitolimende zanyanga zonke.

EMI = 1,000,000* 0.0129 * (1+ 0.0129)^24 / [(1+ 0.0129)^24 ]-1
= Rs 23,659.00

Ngakho, i-EMI yakho yanyanga zonke izoba = ama-Rs. 23659.00

Izinga lenzalo (R) emalimboleko yakho libalwa nyanga zonke okungukuthi (R= Izinga lenzalo lonyaka/12/100). Ngokwesibonelo, uma u-R = 14.75% ngonyaka, bese u-R = 14.75/12/100 = 0.0121.

ngakho, Inzalo = P x R
= 1,000,000.00 x 0.0121
= Rs.12,123.00 ngenyanga yokuqala

Njengoba i-EMI iqukethe inhloko + Intshisekelo

Uthishanhloko = EMI - Inzalo
= 23,659.00-12,123.
= Rs.11536 kusitolimende sokuqala esingahlukahluka kwesinye isitolimende.

Futhi ngenyanga ezayo, inani lemalimboleko yokuvula = Rs.1,000,000.00-Rs. 11536.00 = Rs.988464.00


Ukuzihlangula: Asiceli abafake izicelo ukuthi bakhokhe imali yemalimboleko kusengaphambili. Sicela uqaphele izenzo ezinjalo zokukhwabanisa.

Yini entsha

UI updated
Minor bug fixed and improvement