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Amakhadi Esikweletu, Izikweletu Ze-KTA, Umshwalense, Izikweletu Ezikhokhayo, Nokutshalwa Kwegolide Kwedijithali

I-Cermati.com ikusiza wena nezigidi zamanye amakhasimende ukukhetha imikhiqizo yezezimali ehamba phambili ehambisana nezidingo zabo. Ngaphandle kwemikhiqizo yezezimali efana ne-KTA, amakhadi esikweletu kanye nomshwalense, i-Cermati.com iphinde inikeze nezinsizakalo zokukhokhela izikweletu zemikhiqizo yedijithali, kanye nokutshalwa kwegolide kwedijithali.

Izici Eziyinhloko zohlelo lweCermati:

• Qhathanisa Futhi Ufake Isicelo: Sizokusiza ukhethe imikhiqizo efanele yezezimali njengamakhadi esikweletu, imalimboleko, umshwalense, ukutshalwa kwezimali neminye imikhiqizo yedijithali.

• Thola Izindaba Zezezimali Namathiphu: Funda ukwaziswa kwamuva mayelana nomhlaba wezezimali nokutshalwa kwezimali.

• Ukuhlola Ukufaneleka: Ngokushesha hlola ukufaneleka kwe-inthanethi yemalimboleko/ikhadi lesikweletu ngaphambi kokufaka isicelo ngokusekelwe kulwazi lwakho lomuntu siqu.

• I-Digital Gold Investment: Ingabe ufuna ukutshala igolide ledijithali? Ungasebenzisa lolu hlelo lokusebenza ukutshala igolide ku-inthanethi futhi uhlole izintengo zegolide zanamuhla.

Phakamisa futhi Ukhokhe Izikweletu Kuhlelo lweCermati:

• Ikhredithi Ye-inthanethi: Thenga ikhredithi ye-inthanethi eshibhe kakhulu kubo bonke abaqhubi (i-Telkomsel, i-XL, i-Indosat, i-Tri, ne-Smartfren). Isikweletu se-inthanethi esishibhe kakhulu nesiphelele siqala ku-IDR 5,000.

• Iphakheji Yedatha Ye-inthanethi: Thenga iphakheji yedatha ye-inthanethi eshibhe kakhulu yawo wonke ama-opharetha (i-Telkomsel, i-XL, i-Indosat, i-Tri, ne-Smartfren). Iphakheji yedatha ye-inthanethi eshibhe nephelele kakhulu.

• I-Postpaid: Yenza izinkokhelo zekhredithi ezikhokhwe ngemuva kalula ku-Telkomsel, XL, Indosat, Tri, kanye, ne-Smartfren.

• Ukuzulazula: Thenga i-Telkomsel, i-Indosat, i-XL namanye amaphakheji azulazulayo ngamanani angcono kakhulu.

• Khokha Ucingo Lwasekhaya: Khokha ucingo lwasekhaya lwase-Indihome kanye nezikweletu ze-inthanethi.

• Hlola isikweletu sakho sikagesi se-PLN futhi uthenge amathokheni kagesi: Hlola futhi ukhokhe isikweletu sakho sikagesi se-PLN futhi uthenge amathokheni kagesi ngentengo ephansi kakhulu.

• Hlola Izikweletu ze-PDAM: Hlola futhi ukhokhe izikweletu ze-PDAM e-Indonesia.

• Amavawusha egeyimu eku-inthanethi: Thenga amavawusha omdlalo we-inthanethi odumile ngamanani aphansi lapha.

• Amavawusha okusakaza bukhoma: Thenga amavawusha okusakaza ku-inthanethi lapha futhi ubukele amafilimu akho ayintandokazi nochungechunge ngendlela othanda ngayo.

Izindlela Zokukhokha Eziphezulu Nezinkokhelo
• Ikhadi Lesikweletu/Ikhadi Lesikweletu.
• Izitolimende ngaphandle kwekhadi lesikweletu.
• Ukudluliswa Kwebhange (I-Akhawunti Ebonakalayo).
• I-e-Money.
• Inkokhelo Esheshayo.
• Imakethe Encane (Alfamart, Alfamidi, Dan+Dan).

I-Online Loan Tenor nolwazi Lwezinga Lenzalo

• I-tenor yemalimboleko encane yezinyanga ezi-3 (izinsuku ezingama-90) kanye nezinyanga eziyi-12 (izinsuku ezingama-360) zokukhokhwa kwemali mboleko.
• Imikhawulo yemalimboleko iqala ku-IDR 1,000,000 - IDR 15,000,000.
• Izinga lenzalo enkulu: 8%/ngenyanga (APR: 8%*12 = 96%).
• Imininingwane yezindleko zokuhlinzeka:
- I-tenor yezinyanga ezi-3 yemalimboleko: 16%.
- I-tenor yezinyanga ezi-6 yemalimboleko: 20%.
- Imalimboleko yezinyanga eziyisi-9: 15%.
- Imalimboleko yezinyanga eziyi-12: 15%.

Isibonelo Sokulingisa Ukubalwa Kwemalimboleko Ku-inthanethi

Uma uboleka i-IDR 9,000,000 bese uyikhokha ngezitolimende phakathi nezinyanga eziyi-9, nasi isilingiso senkokhelo:
• Inani lemali ebolekiwe: IDR 9,000,000.
• Izindleko zokuhlinzeka: 15%*Rp. 4,000,000 = Rp. 1,350,000.
• Uthishanhloko wemalimboleko = IDR 10,350,000 (IDR 9,000,000 + IDR 1,350,000).
•Isamba Senzalo (Isamba Semalimboleko - Inani lemali ebolekiwe - izinkokhelo zokuhlinzeka): IDR 4,563,000 (IDR 14,913,000 - IDR 9,000,000 - IDR 1,350,000)
• Ngokubala inzalo yonyaka, uthola izitolimende zanyanga zonke (Rp. 10,350,000 * 8%)/(1-(1+8%)^-9 izinyanga = Rp. 1,657,000.
• Isamba semalimboleko okufanele ikhokhwe (izitolimende zanyanga zonke * i-tenor): Rp. 14,913,000 (Rp. 1,657,000 * izinyanga eziyi-9).

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