UMPHANDLE
UBOMI BAKHO
IMIBA
USHICILELO
IZALATHISO
URHULUMENTE
IITHENDA
IMISEBENZI
Malunga
Qhagamshelana
Uncedo
Funa nzulu
Umphandle
Ushicilelo
IiNkcukacha Zoluntu
Indlela Esebenza Ngayo le Nkqubo
Ukufikelela kule Nkqubo
Imfihlelo
Ukukhupha Iimfihlelo
Ukujongwa Kwendlela Eliwahlawula Ngayo Amatyala Alo Ishishini
Ukunikezela Iingxelo
Ukubeka Iliso Nolawulo
Iimfuno Zezibhambathiso Nokubuyela Kwimigaqo Yomthetho
Izigaba Zamagunya, Amanqanaba Othetha-thethwano
Iintlawulo Zabacebisi
UKUFIKELELA KULE NKQUBO
Ukufikelela Ngaphambi Kokufaka Isicelo Semali-mboleko
Kweli nqanaba onke amashishini anokuba nakho ukufikelela kule mali-mboleko angathunyelwa ziibhanki kwiKhula, kwii-ofisi zommandla. Iinkcukacha zoqhagamshelwano zingafumaneka kwiKhula, kuNdlunkulu. Ngaphandle kokuthunyelwa ziibhanki, amashishini afuna ukuboleka iimali nalawo asele ebolekwa kakade akhe aziyele kwiThuso ngokwawo xa efuna.
Inqanaba Elisemva Kwesicelo Semali-mboleko
Iibhanki, ngokusebenzisa iimveliso zazo zeemali-mboleko eziphantsi kweKhula Credit Guarantee, ziyakwazi ukufikelela kule nkqubo yeengcebiso yeThuso. Ukuze zifikelele kule nkqubo, iibhanki ezi kufuneka ziqhagamshelane nale nkqubo ngembalelwano, ngokwesiqhelo ke ngokuthi zithethe nomphathi wamatyala, umphathi weenkonzo zenkxaso kumashishini okanye ke umhlalutyi wamatyala walo bhanki ithile ifaka isicelo sokufikelela kule nkqubo.
iThuso le iya kuthi ke ngoko iqeshe umcebisi ofanelekileyo ze ke ibhanki le, iThuso naloo mcebisi bangene kwisibhambathiso, sibhambathiso eso siya kube silawula ubudlelwane besi sithathu. Esi sivumelwano (Imigaqo Yentsebenzo) siyanikezelwa kwiibhanki xa zisicela, ukuze zisijonga-jonge.
IMFIHLELO
iThuso iyakwamkela yaye iya kunakana ukugcinwa kwesi sibhambathiso siyimfihlelo ephakathi kwayo, elo shishini kwakunye namanye nje amaqumrhu nabantu abachaphazelekayo kule ntshukumo.
iThuso ayiyiy kuvolontiya okanye ikhuphe naluphi na ulwazi oluyimfihlelo nakubani na ngaphandle kokuba bekuvunyelwene ngoku kwangaphambili nelo shishini; okanye ke, ukuba oko kuyimfuneko ngokwemigaqo yemithetho ethile elawula oku.
UKUJONGWA KWENDLELA ELIWAHLAWULA NGAYO AMATYALA ALO ISHISHINI
iThuso le iqala ikhangele indlela amashishini athile awahlawula ngayo amatyala alw ngokuthi icele ezo nkcukacha kwi-Information Trust Co-operation (i-ITC) phambi kokuba izicelo zawo zemali-mboleko zibe nokuthunyelwa kwiibhanki. iThuso iyazi futhi iyayamkela into yokuba iibhanki ziphinde zizikhangeleke ngokwazo indlela amashishini afaka izicelo zemali-mboleko awahlawula ngayo amatyala awo ngokweendlela neenkqubo zazo ke.
UKUNIKEZELA IINGXELO
Umcebisi kufuneka aphendule kwiKhula ze angenise neengxelo zomsebenzi osele wenziwe. Iingxelo ezingeniaswe ngabacebisi kungabelwana ngazo neebhanki xa iibhanki ezo zicela.
UKUHLOLA NOLAWULO
Ukuhlolwa kwanokulawulwa kwale nkqubo yeengcebiso kuluxanduva lweCandelo leKhula Elinikezela Inkxaso Kumashishini.
IZIBOPHELELO ZESIBHAMBATHISO NOKUBUYELA KWIMIGAQO YOMTHETHO
La maqumrhu angene kwisibhambathiso salo msebenzi yiKhula, umcebisi neshishini elo. Izibophelelo zesi sibhambathiso zilawulwa sesi sivumelwano yaye ukuba zithe azahlonitshwa, zophulwa kuthe akwavisiswana, amaqumrhu la abandakanyekayo kuya kufuneka abuyele kwisibhambathiso eso nemigaqo yomthetho ekuso okanye ke efumanekayo kwimithetho.
IINTLAWULO ZABACEBISI
Inqanaba Eliphambi Kokufakwa Kwesicelo Semali-mboleko
Ishishini ebeliboleke imali lihlawula kuphela ama-25% eentlawulo zomcebisi, ngelixa iKhula ihlawula ehlawula intsalela engama-75% ekuqulunqweni kwesicwangciso selo shishini nesijoliswe ekufikeleleni kwimali-mboleko efikelela kuma-R300 000.
Ukuze lifake isicelo semali-mboleko egqithileyo ku-R300 000 ukuya kuma kwi-R5 ubukhulu, ishishini elo lifaka igalelo lalo elingama-50% kwiintlawulo zokuqulunqwa kwesicwangciso soshishino ze ke iKhula yona incedise kwezi ntlawulo ngama-50%.
Umcebisi uya kuthi ahlawulwe emva kokuphunyezwa kwesicelo semali-mboleko yiloo bhanki. iKhula ke yona, iya kuthi ihlawule isixa sombulelo kuzo zonke izicelo zemali-mboleko ezithe zaphunyezwa.
Inqanaba Elisemva Kokufakwa Kwesicelo Semali-mboleko
Ukuhlola okwenziwa emva kokufakwa kwesicelo semali-mboleko (unonophelo lwasemva kwale nkqubo) kuya kwenziwa ekuqaleni iinyanga de zibe ntathu ngaphandle kwentlawulo. Emva koko ke, iingcebiso ziya kuthi zinikezelwe xa ishishini okanye ibhanki leyo leyo icela ngokweentlawulo ekuvunyelwene ngazo nezingadumbisi ntloko (uhlahlo lwabiwo-mali, ixesha, iiyure njalo-njalo)
Kuyo yonke imisebenzi yasemva kokuphunyezwa kwesicelo semali-mboleko, umcebisi uya kuhlawulwa emva kokufaka isicelo sentlawulo kwakunye nengxelo ekholisayo kwiThuso, ngxelo leyo iya kuthi iqinisekiswe nguMququzeleli weThuso phambi kokuba enze isiphakamiso sokuba loo mcebisi ahlawulwe.
Esi sikhokelo ayiyokopi yokugqibela negqibeleleyo yolu xwebhu. Siya kuthi sihlaziywe ngokuhamba kwexesha nanjenengoko kuya kube kungena iinguqu neendlela ezintsha neziphucukileyo zokwenza izinto.
UMTHAMO
Icandelo Elingaphambili
Icandelo Elilandelayo
Intshayelelo
Amaqumrhu Abandakanyekayo
Indlela Esebenza Ngayo le Nkqubo
Ingcaciso-magama Neenkcukacha Zoqhagamshelwano
YAYAMENE
Iingcebiso Kumashishini Asakhasayo (IiNkonzo)
Ingaba kukho nto ungayiqondiyo kwiintetho zaseburhulumenteni
Isigama Esinokusetyenziswa uMgaqo-nkqubo Wemfihlelo
Ilungelo Lobunini
