I-ConstruFin: Ipulatifomu yokuqhathanisa nokuxhumanisa nezinketho zesikweletu
I-ConstruFin iyipulatifomu yokusekela ulwazi lwezezimali kanye nezinqumo. Umgomo wethu ukusiza abasebenzisi ukuthi bahlaziye ukufaneleka kwabo, baqhathanise izimo zesikweletu, futhi baxhumane nezikhungo zezimali ezigunyaziwe.
Izici Eziyinhloko
1. Ukuhlolwa Kokufaneleka Kokuqala
Abasebenzisi banganikeza ulwazi oluyisisekelo ukuze bathole ukuhlaziywa kwephrofayili yokuqala kanye nokulinganisa kokulinganisa, ngendlela elula neqondile.
2. Ukuqhathaniswa Kwezinketho Zesikweletu
Ipulatifomu iqoqa okunikezwayo okuvela ezikhungweni zezimali ezihambisanayo, okuvumela ukuqhathaniswa kwezimo ezifanele, njengesikhathi, izindleko eziphelele, kanye nolunye ulwazi olusebenzayo, ukusekela isinqumo esisobala kakhulu.
3. Ukuxhumana Nezikhungo Ezihambisanayo
Ngemuva kokuhlaziywa nokuqhathanisa, umsebenzisi angaqondiswa esikhungweni esihambisanayo esinomthwalo wemfanelo wokunikezwa, isicelo, ukuhlaziywa kokugcina, kanye nenkontileka ekugcineni.
4. Ukuphepha Nokuvikelwa Kwedatha
Sicubungula idatha yomsebenzisi ngokuhambisana nenqubomgomo yobumfihlo esebenzayo. Ulwazi lusetshenziselwa ukuhlaziya, ukuqhathanisa, nokudlulisa kuphela, njengoba kugunyazwe ngumsebenzisi.
Ulwazi olubalulekile mayelana nemikhiqizo eboniswa epulatifomu
• Isikhathi esincane sokukhokha: izinsuku ezingu-90
• Isikhathi esiphezulu sokukhokha: izinsuku ezingu-180
• I-APR ephezulu (isilinganiso samaphesenti sonyaka): 24% ngonyaka
Isibonelo sohlelo lokukhokha ngezitolimende ezi-6
• Inani lemali mboleko: 7,000.00
• Isikhathi: izinsuku ezingu-180
• Inani eliphelele lezitolimende: 6
• Imali ekhokhwayo: 0.00
• Izindleko zemali mboleko iyonke: 414.25
• Inani eliphelele okufanele likhokhwe: 7,414.25
Imininingwane yezitolimende
Isitolimende sokuqala
Ibhalansi yokuqala: 7,000.00
Inzalo: 116.75
Imali ekhokhwayo: 1,118.96
Inani lezitolimende: 1,235.71
Ibhalansi yokugcina: 5,881.04 Isitolimende sesibili
Ibhalansi yokuqala: 5,881.04
Inzalo: 98.09
Ukuncishiswa kwentengo: 1,137.62
Inani lentengo: 1,235.71
Ibhalansi yokugcina: 4,743.42
Inkokhelo yesithathu
Ibhalansi yokuqala: 4,743.42
Inzalo: 79.11
Ukuncishiswa kwentengo: 1,156.60
Inani lentengo: 1,235.71
Ibhalansi yokugcina: 3,586.82
Inkokhelo yesi-4
Ibhalansi yokuqala: 3,586.82
Inzalo: 59.82
Ukuncishiswa kwentengo: 1,175.89
Inani lentengo: 1,235.71
Ibhalansi yokugcina: 2,410.93
Inkokhelo yesi-5
Ibhalansi yokuqala: 2,410.93
Inzalo: 40.21
Ukuncishiswa kwentengo: 1,195.50
Inani lentengo: 1,235.71
Ibhalansi Yokugcina: 1,215.43
Isilinganiso sesi-6
Ibhalansi Yokuqala: 1,215.43
Inzalo: 20.27
Ukwehliswa kwemali: 1,215.43
Inani Lesilinganiso: 1,235.70
Ibhalansi Yokugcina: 0.00
Isifinyezo Sohlelo Lokukhokha
• Inzalo Ephelele: 414.25
• Isamba Esikhokhiwe: 7,000.00
• Isamba Esikhokhwayo: 7,414.25
Isaziso Esibalulekile
I-ConstruFin akuyona isikhungo sezezimali, ayinikezi imali mboleko ngokuqondile, ayikhiphi imali, ayichazi ukuvunyelwa kwesikweletu, futhi ayikhokhisi inzalo egameni layo. Ukunikeza, ukuhlaziya, ukugunyaza, ukwenza inkontileka, amazinga, izindleko, kanye nokukhishwa kwemali kungumthwalo wemfanelo wezikhungo zezimali ezibambisene nazo kuphela.
Kubuyekezwe ngo-
Eph 30, 2026