Uhlelo lokusebenza lwemalimboleko yomuntu siqu esheshayo, isikolo samahhala sesikweletu nokuningi!š„
I-OneScore iwukuphathwa kwamaphuzu esikweletu samahhala kanye nenkundla yemalimboleko yomuntu siqu esheshayo ethenjwa amaNdiya angaphezu kuka-4 Crore. Kungakhathaliseki ukuthi udinga imali yezindleko zomuntu zesikhashana, iholide elide, noma ukukhokhela izindleko zezokwelapha, ungathola imalimboleko yomuntu siqu esheshayo nganoma yisiphi isimo esiphuthumayo semali.
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Ukukhishwa Kwemalimboleko Esheshayo
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Isicelo Esilula
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Ayikho imfuneko yesibambiso
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Umbhalo weZero
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Izinketho ze-EMI eziguquguqukayo
Ungayithola kanjani imalimboleko esheshayo esheshayo ku-OneScorešø
Yakha inani lesikweletu sakho ngokulandelela njalo isikolo sakho sesikweletu, futhi ubheke ukunikezwa kwemali mboleko okuhamba phambili komuntu siqu. Ngokuya ngesikolo sakho sesikweletu, nezinye izici, uzothola ukugunyazwa okusheshayo kwemali mboleko yomuntu siqu ngohlelo lwethu lokusebenza.
Yini enye!š”
Ungasebenzisa futhi isibali se-EMI ngaphakathi kohlelo lokusebenza ukuhlela ama-EMI akho emalimboleko aku-inthanethi futhi ukhethe ezinkethweni zokukhokha eziguquguqukayo.
Setha izikhumbuzi zokukhokha ukuze ungaphuthelwa yi-EMI.
Imibandela Yokufaneleka yomnikelo ongcono kakhulu wemalimboleko yomuntu siqu ku-inthanethi š
Amaphuzu esikweletu angu-730 nangaphezulu
Umsebenzi ozinzile oneholo lanyanga zonke elingu- > ā¹20,000
I-Aadhar kanye nomnikazi wekhadi le-PAN
Izici zeMalimboleko yomuntu siqu:š
⢠Ozakwethu ababolekisayo: I-Federal Bank, i-South Indian Bank, i-Kisetsu Saison Finance India (KSF)
⢠Inani Lemalimboleko: Kufika ku-Rs. 5 lakh
⢠Isikhathi sokubolekwa imali: Ubuncane bezinyanga eziyisi-6, ubuningi bezinyanga ezingama-48
⢠Izilinganiso Zenzalo: 12.5% -18.5% (yebhange Lombuso), 15.9% -16.8% (Ku-SIB), 13.5% - 29.99% (Okwe-KSF)
⢠Izimali zokucubungula: 1.5-2.5% (Inani eliphansi lama-Rs. 999) ebhange Lombuso kanye no-1% + Rs. 750 Izindleko zedokhumenti yedijithali + GST ye-SIB, 1% -4% ye-KSF
⢠I-APR: 13.32%-27.49% (yebhange Lombuso), 16.54%-20.52% (Ku-SIB), 16% - 42% (Okwe-KSF)
Ake sikuqonde lokhu ngesibonelo, sithatha imalimboleko yomuntu siqu yama-Rs. 50,000 enenani lenzalo engu-13% nesikhathi sokukhokha sonyaka ongu-1. Nansi indlela imali yakho yokubolekwa kwemali mboleko eku-inthanethi engabalwa ngayo:
⢠Inani Lemalimboleko - ā¹50,000
⢠Isikhathi sokuhlala - izinyanga eziyi-12
⢠Izinga lenzalo - 13%
⢠EMI - ā¹4,466
⢠Isamba Senzalo Ekhokhwayo - ā¹4,466 x izinyanga eziyi-12 - ā¹50,000 Uthishanhloko = ā¹3592
⢠Izindleko Zokucubungula (okuhlanganisa ne-GST) - ā¹1179
⢠Inani Elikhishiwe - ā¹50,000 - ā¹1,179 = ā¹48,821
⢠Inani Eliphelele Elikhokhwayo - Uthishanhloko + Inzalo + Izimali Zokucubungula = ā¹54,771
⢠Ingqikithi Yezindleko Zemalimboleko = Inani Lenzalo + Izimali Zokucubungula = ā¹3592 + ā¹1179 = ā¹4,771
*Uma ngabe imali ebolekiwe ikhishwa ngomhla ka-6 noma ngemva kwawo kanye nama-EMIs akho ngomhla ka-5 enyangeni, kunegebe lezinsuku ezingu-29 phakathi kosuku lwakho lokukhokha lemali mboleko kanye ne-EMI yokuqala. Izinga lenzalo elikhokhiswayo kulesi sikhathi libizwa ngokuthi Inzalo Yenkathi Ephukile.
Kungani ulanda i-OneScore?š²
Thola imalimboleko esheshayo efika ku-Rs 5 lakh ngemibhalo enguziro nezinketho ze-EMI eziguquguqukayo.
Hlola isikolo sakho se-Experian ne-CIBIL mahhala. Ayinagaxekile futhi ayinazikhangiso.
Thola isaziso mayelana nezinguquko kumphumela wakho wesikweletu. Hlala ulawula isikolo sakho sesikweletu ngombiko wesikweletu owenziwe lula futhi ususe amaphutha ngesikhathi sangempela.
Sebenzisa āIsici Sokuthola ukuthi kunganiā ukuze uhlaziye idatha yakho futhi uqonde kahle ukuthi kungani isikolo sakho sesikweletu se-Experian ne-CIBIL sishintshile.
Sebenzisa i-Score Planner ukuze ukhuphule izinga lakho lesikweletu. Zibekele umgomo futhi uzuze isikolo sakho esihle ngemininingwane yomuntu siqu.
Unesikolo esiphansi? Sebenzisa isilingisi ukuze uthole iziphakamiso zokuthi ungathuthukisa kanjani isikolo sakho se-Experian ne-CIBIL ngemikhuba emihle yezezimali.
Thola umbono wenyoni wawo wonke ama-akhawunti akho emalimboleko nawekhadi lesikweletu.
Bika ukunemba kwerekhodi lakho lesikweletu ngokuchofoza okulula.
Kungani i-OneScore ihlukileš
Ithuluzi Lokulawula Isikweletu Lokusuka Ekupheleni
Isixazululo esisodwa kuphela sokuphathwa kwekhredithi ekupheleni kuya kokuphela kusukela ekwakheni isikolo sakho sesikweletu kuya ekutholeni imalimboleko yomuntu siqu esheshayo ngamanani enzalo ephansi.
Kuphephile futhi Kuvikelekile:
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Kubuyekezwe ngo-
Sep 6, 2025