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IMIBUZO NGESICELO SEMALI-MBOLEKO YAKWA-CAPFIN

1. YINTONI EKUFUNEKA NDINAYO UKUZE NDENZE ISICELO SEMALI-MBOLEKO YAKWA-CAPFIN?

• ISAZISI SASEMZANTSI AFRIKA esisemthethweni
• Ii-payslip zakutshanje ezi-3 okanye iziteyitmenti zakutshanje zebhanki ezi-3
• Kumele ube usebenza isigxina kwaye wamkela umvuzo wenyanga nenyanga
• Inombolo yeselfowuni esebenzayo
• I-akhawunti yebhanki yaseMzantsi Afrika esebenzayo
• Kumele ubeneminyaka eli-18 okanye ngaphezulu

2. NGAWAPHI AMAXWEBHU ENDIWADINGAYO UKUZE NDENZE ISICELO SEMALI-MBOLEKO YAKWA-CAPFIN?

Isazisi saseMzantsi Afrika esisemthethweni, nokuba zii-payslip zakutshanje ezi-3 okanye iziteyitmenti zakutshanje zebhanki ezi-3.

3. NDINGASENZA PHI ISICELO SEMALI-MBOLEKO YAKWA-CAPFIN?

Ungenza isicelo semali-mboleko yakwaCapfin onlayin, ngeSMS okanye undwendwele nayiphina ivenkile yakwaPEP okanye yakwa-Ackermans jikelele.

4. NDISENZA NJANI ISICELO XA NDISEBENZISA IWEBHUSAYITHI YAKWA-CAPFIN?

Khetha nje iqhosha elithi Yenza isicelo ngoku uze ulandele imiyalelo elula.

5. INGABA ISICELO SEMALI-MBOLEKO YAKWA-CAPFIN ESENZIWA ONLAYIN SIKHUSELEKILE?

Ewe. Kuyakufuneka uyile iprofayili ekunokufikelelwa kuyo kuphela ngokusebenzisa inombolo yeSazisi saseMzantsi Afrika sakho ne-One-Time-Pin eyodwa (OTP) ezakuthunyelwa ngqo kwinombolo yeselfowunioyibhalisileyo.

6. NDIYILE IPROFAYILI KWIWEBHUSAYITHI YAKWA-CAPFIN. NDISIGCWALISA NJANI ISICELO SEMALI-MBOLEKO?

Into ekufuneka uyenzile qha kukuloga kwiprofayili yakho usebenzisa inombolo yeSazisi saseMzantsi Afrika sakho, emva koko siyakuthi sigqithisele i-One-Time-Pin (OTP) eyodwa ezakuthunyelwa ngqo kwinombolo yeselfowuni oyibhalisileyo, ze ulandele nje imiyalelo.

7. ISICELO SAM SEMALI-MBOLEKO SIYE SAKHATYWA, KUFUNEKA NDILINDE IXESHA ELINGAKANANI PHAMBI KOKUBA NDIZAME UKWENZA ISICELO KWAKHONA SEMALI-MBOLEKO YAKWA-CAPFIN?

Ungenza isicelo kwakhona semali-mboleko yakwaCapfin emva kweentsuku ezingama-30 zekhalenda.

8. NDISIBONA NJANI ISIXA-MALI SEMALI-MBOLEKO ENDILUNGELE SONA?

Isibonelelo semali-mboleko siyakulungiselelwa wena esiza kukubonisa isixa-mali semali-mboleko ongalungela sona kodwa kuxhomekeke ekugqityweni kohlolo lwethu lokufikeleleka. Isixa-mali semali-mboleko singatshintsha ngokuxhomekeke kuhlolo olongezelelweyo lwekhredithi olwenziwayo xa isicelo sakho sithe sagcwaliswa saze safakwa kuthi.

9. NDINGENZA ISICELO SEMALI ENGAKANANI?

Sibonelela ngemali-mboleko efikelela kuma-R50 000, kuxhomekeke kwiziphumo zohlolo lokufikelela eziqwalasela iimeko ezifana nomvuzo neendleko zakho, ikhredit profayili yakho nendlela ohlawula ngayo amatyala.

10. NDIZA KULINDA IXESHA ELINGAKANANI UKUZE NDIHLAWULWE?

Imali-mboleko yakho iya kuhlawulwa zingaphelanga iiyure ezingama-48 zomsebenzi emva kokuba ivunyiwe, kwi-akhawunti yebhanki oyikhethileyo.

11. NDINGAWAFAKA NJANI AMAXWEBHU AM?

• Lowuda amaxwebhu kanye apha, ngokukhetha ithebhu yokulowuda kwiwebhusayithi.
• Skena amaxwebhu akho kuyo nayiphina ivenkile yakwaPEP okanye yakwa-Ackermans jikelele.
• Thumela amaxwebhu akho nge-imeyili ku: docs@capfinmail.co.za nenombolo yeSazisi saseMzantsi Afrika sakho kumgca womba emva kokwenza isicelo.
• Thumela ngefeksi amaxwebhu akho ku-0866880000 nenombolo yeSazisi saseMzantsi Afrika sakho njengereferensi emva kokwenza isicelo.
• Ngemvume yakho, singancedisa ukufumana amaxwebhu akho ngaphandle kokukuhlawulisa ukuba ibhanki yakho ngu-ABSA, nguStandard bank okanye nguNedbank.

IMIBUZO NGESELFOWUNI

12. KHANGE NDIFUMANE I-ONE-TIME-PIN (OTP) KWISELFOWUNI YAM? UNGANDICHAZELA UKUBA ITHINI I-PIN YAM?

Ngokhuseleko lwakho, iinombolo zePIN zezangasese ngokupheleleyo. Nceda ucofe kwi-'linki yokuThumela Kwakhona i-OTP' ukuze ufumane i-One-Time-Pin (OTP) eyodwa ingaphelanga imizuzu eli-15, eza kuthunyelwa ngqo kwinombolo yeselfowuni oyibhalisileyo.

13. NDIFUNA UKUTSHINTSHA INOMBOLO YESELFOWUNI YAM.

Ukuze ukwazi ukuhlaziya iinkcukacha zakho, nceda uqhagamshelane nomnye wabacebisi bethu akuncede ku-087 354 0000.

14. ANDINAYO ISELFOWUNI YAM KWAYE ANDINAKO UKULOGA KWIPROFAYILI YAM KWIWEBHUSAYITHI YAKWA-CAPFIN.

I-One-Time-Pin (OTP) ingathunyelwa kuphela kwinombolo yeselfowuni onikezele ngayo ngokuya ububhalisa. Cela i-One-Time-Pin (OPT) entsha uze ulandele imiyalelo yethu elula.

IINTLAWULO

15. INGABA UKUNGAHLAWULI KUZA KULICHAPHAZELA IREKHODI LAM LEKHREDITHI?

Ukungahlawuli kuza kubanefuthe elibi kwirekhodi lakho lekhredithi.

16. ANDIKWAZI UKUHLAWULA ISAVENGE SAM, NDINGENZA AMALUNGISELELO OKUHLAWULA NGENYE INDLELA?

Ewe, nceda uqhagamshelane neSebe eliKoleka amatyala lakwaCapfin ku-087 285 1234 ukwenza amalungiselelo okuhlawula ngenye indlela.

17. INGABA IXESHA LAM LOKUHLAWULA IMALI-MBOLEKO LIZA KUBALIFUTSHANE UKUBA NDIHLAWULA IZAVENGE ZAM ZENYANGA NENYANGA?

Ewe, ixesha lakho lokuhlawula imali-mboleko lingacutheka ukuba unokuhlawula iintlawulo ezongezelelweyo, kuxhomekeke kwizixa-mali ezihlawulweyo nakwixesha lemali-mboleko.

18. NDINGAWUTSHINTSHA NJANI UMHLA WAM WENTLAWULO YEDEBHITHI ODA OKANYE IINKCUKACHA ZAM ZEBHANKI?

Ungawutshintsha umhla wakho wentlawulo yedebhithi oda okanye iinkcukacha zakho zebhanki ngenye yeendlela ezintathu:

• Ngena kwiprofayili yakho ekwi-intanethi, khetha ithebhu kwiphepha leeMali-mboleko Zakho Ezisebenzayo, skrola wehle uze ukhethe ilinki ethi {i2}tshintsha iinkcukacha zam zentlawulo{/i2}. Khetha ibhanki yakho oyikhethileyo uze ufake inombolo ye-akhawunti uze/okanye ukhethe umhla wentlawulo omtsha; okanye
• Ngena kwiprofayili yakho ye-intanethi, khetha ithebhu ethiIinkcukacha Zam. Skrola wehle kwiphepha uze ucofe kukhetho lokutshintsha iinkcukacha zentlawulo. Khetha ibhanki yakho oyikhethileyo uze ufake inombolo ye-akhawunti uze/okanye ukhethe umhla wentlawulo omtsha; okanye
• Ungafowunela iziko lethu loqhagamshelwano lakwaCapfin ku-087 354 0000 uze ucele ukuhlaziya iinkcukacha zakho.
• Nceda uqaphele ukuba ibhanki yakho isenokufuna ukuba ugunyazise umyalezo wokuNgqinisiswa kwe-DebiCheck xa ukhetha ukutshintsha umhla wentlawulo yedebhithi oda okanye iinkcukacha ze-akhawunti yakho.

IMIBUZO ENGOKUGQITYEZELWA KWE-AKHAWUNTI

19. NDIGQIBEZELA NJANI UKUHLAWULA I-AKHAWUNTI YAM NO-CAPFIN?

Ungafowunela iziko lethu loqhagamshelwano lakwaCapfin ku-087 354 0000 okanye usebenzise inkonzo yethu ye-USSD u-*134*6454# ukufumana ikowuti yakho yokugqibezela i-akhawunti. Emva koko ungenza intlawulo ngezi ndlela onokukhetha kuzo zilandelayo phambi komhla wakho wokuphelelwa owunikiweyo:

• Idipozithi eyenziwa Ngqo
• I-EFT
• I-Pay@ efumaneka kuyo nayiphina iVenkile yakwaPEP

20. IKOWUTI YOKUGQIBEZELA I-AKHAWUNTI IHLALA IXESHA ELINGAKANANI?

Ikowuti yokugqibezela i-akhawunti oyinikwe nguCapfin ihlala iintsuku ezisixhenxe zoshishino ukusukela kumhla ecelwe ngayo, nebhalansi yokugqibezela kumele ihlawulwe phambi kwelo xesha.

21. KUTHENI IKOWUTI YOKUGQIBEZELA I-AKHAWUNTI YAHLUKILE KWIBHALANSI YAM?

Ikowuti yakho yokugqibezela i-akhawunti iquka ibhalansi engekahlawulwa yemali-mboleko, kwakunye nayo yonke inzala engekahlawulwa nemirhumo ethe yakhula ukuya kuthso kumhla wokugqibezela i-akhawuntiesenokuba kanti ayikadityaniswa kwi-akhawunti yakho.

IBHENEFITHI YOKUSWELEKA YASIMAHLA/span>

22. YINTONI IBHENEFITHI YOKUSWELEKA YASIMAHLA?

IBhenefithi yokuSweleka yaSimahla yakwaCapfin yibhenefithi yangaphakathi ebonelelwa abathengi bakwaCapfin ngendlela yokuthi kucinywe ibhalansi engekahlawulwa xa kunokuthi kusweleke umthengi. Le bhenefithi ayidluliseki.

23. IBHENEFITHI YOKUSWELEKA YASIMAHLA IBANDAKANYA NTONI?

IBhenefithi yokuSweleka yaSIMAHLA ithi nje wakusweleka, uCapfin uya kucima ibhalansi yemali-mboleko yakho.

24. INGABA KUFUNEKA NDIYIHLAWULELE IBHENEFITHI YOKUSWELEKA YASIMAHLA?

Hayi, akukho mfuneko yokuhlawula njengoko le iyibhenefithi yaSIMAHLA kubo bonke abathengi bakwaCapfin.

25. INGABA NDISELUNGELWENI LEBHENEFITHI YOKUSWELEKA YASIMAHLA?

Ewe, uselungelweni nokuba ungumthengi omtsha okanye osele ekhona wakwaCapfin.

26. INGABA ILUNGU LOSAPHO LWAM/ UMABILIFA OWONYULIWEYO UZA KUYIBANGA NJANI IBHENEFITHI YOKUSWELEKA YASIMAHLA?

Umntu obanga ibhenefithi egameni lomthengi ongasekhoyo kuza kufuneka afake la maxwebhu alandelayo nge-imeyili ku info@capfin.co.za okanye legal@capfin.co.za:

• Ikopi ye-ID yomfi one-Akhawunti yakwaCapfin
• Ikopi ecacileyo yesatifiketi sokusweleka
• Ikopi ecacileyo ye-Masters Letters of Executorship (ukuba iyasebenza).
• Xa amaxwebhu athe afumaneka, uCapfin uyakuthi ngokwakhe angqinisise isimo somfi.
• Nceda uqaphele ukuba amaxesha axhomekeke kulibaziseko ngenxa yomnye umntu obandakanyekayo.

27. YIMALINI ECINYWAYO NGEBHENEFITHI YOKUSWELEKA YASIMAHLA?

U-Capfin uya kucima ibhalansi yangoku engekahlawulwa ye-akhawunti yakho.

28. ZEZIPHI EZINYE IILWIMI AFUMANEKA NGAWO AMAXWEBHU EMALI-MBOLEKO YAM?

Xa uthe wacela ungafumana amaxwebhu emali-mboleko yakho nge-Afrikansi, ngesiSotho, isiZulu nangesiXhosa. Imimiselo nemiqathango ngezi lwimi ikwafumaneka kwiwebhusayithi yethu.

29. NDIWACELA NJANI AMAXWEBHU EMALI-MBOLEKO YAM NGOLUNYE ULWIMI?

Ngokufowunela iziko lethu loqhagamshelwano ku-0873540000 okanye uthumele isicelo sakho nge-imeyili kwisebe lethu lezomthetho ku-legal@capfin.co.za

I-INSHORENSI YOMNGCWABO

30. ISEBENZA NJANI I-INSHORENSI YOMNGCWABO?

Ngexesha eliphakathi komhla we-15 kuSeptemba 2017 nowe-6 kuJuni 2018, abathengi bakwaCapfin abenza isicelo semali-mboleko, bathi baselungelweni le-Inshorensi yoMgcwabo yaSIMAHLA exabisa i-R5000 xa usweleke ngendlela eqhelekileyo ne-R10 000 xa usweleke ngengozi. I-Inshorensi yoMngcwabo, iquka umnini we-akhawunti yakwaCapfin, kufuneka i-akhawunti yakho yemali-mboleko ibe isasebenza, ikwimeko elungileyo kwaye ibephantsi kwemimiselo nemiqathango ye-Inshorensi yoMngcwabo.

31. KUTHENI U-CAPFIN ENGASABONELELI NGE-INSHORENSI YOMNGCWABO YASIMAHLA EHAMBA NEEMVELISO ZABO ZEMALI-MBOLEKO?

I-Inshorensi yoMngcwabo yakwaCapfin eSIMAHLA ethe yatyikitywa yaze yamkelelwa ubutyala ngu-Abacus Life Limited, ibiyimveliso yokwazisa ngemveliso kwaye le promowushini ngoku iphele ukusuka ngomhla we-6 kuJuni 2018.

32. INGABA NDISEZA KUBANAYO I-INSHORENSI YOMNGCWABO YASIMAHLA KWIMALI-MBOLEKO YAM YANGOKU?

Ibhenefithi yakho ye-Inshorensi yoMngcwabo iza kuhlala ikhona de kufike ixesha lokugqibezela i-akhawunti yemali-mboleko, ukuba wenza isicelo sokongeza kwimali-mboleko esele ikho okanye xa ibango le-inshorensi yomngcwabo lifakiwe kwa-Abacus Life Limited.

33. LIFAKWA NJANI IBANGO LAKHO LE-INSHORENSI YOMNGCWABO NGO-ABACUS LIFE LIMITED?

Ngeemali-mboleko ezivunywe ngexesha lokwazisa ngemveliso phakathi komhla we-15 kuSeptemba 2017 nowe-6 kuJuni 2018, umxhamli omanyulileyo kumele alandele le nkqubo ilandelayo:

Amabango kumele afakwe kwa-Abacus Life ngokufowunela iZiko loMnxeba labo ku-0800 777 444 iinyanga ezi-6 zingaphelanga eswelekile umnini-akhawunti yakwaCapfin.

Amabango kufuneka ahambe nala maxwebhu alandelayo:

• Ikopi esemthethweni okanye eqinisekisiweyo yenkqu yesatifiketi sokusweleka komnini-akhawunti yakwaCapfin
• Ikopi yeSazisi ecacileyo, eqinisekisiweyo yomnini-akhawunti yakwaCapfin
• Ikopi yeSazisi ecacileyo eqinisekisiweyo yomxhamli
• Ingxelo yamapolisa xa ebhubhe ngengozi
• Ikopi yesiteyitimenti sebhanki somxhamli ukuze kuhlawulwe i-Inshorensi yoMngcwabo
• Nawaphina amaxwebhu anokuthi acelwe ngengqingqo ngu-Abacus Life Limited

34. NGUBANI OFUMANA IMALI YE-INSHORENSI YOMNGCWABO?

Umxhamli onyuliweyo uya kufumana imali ye-Inshorensi yoMngcwabo kuphela ekuswelekeni komnini-akhawunti yakwaCapfin kuxhomekeke ekuvunyweni kwebango.

35. NGUBANI UMXHAMLI?

Umthengi wakwaCapfin uya kuchonga umntu (ilungu losapho/umhlobo) abengumxhamli ongqamene ne-Inshorensi yoMngcwabo yabo. Lo mntu ufumana intlawulo ye-Inshorensi yoMngcwabo xa kuthe kwasweleka umthengi wakwaCapfin naxa onke amaxwebhu afunekayo efakwe kwa-Abacus Life Limited ngethuba kwaye kuxhomekeke kukuba i-akhawunti yemali-mboleko yakwaCapfin isasebenza kwaye ikwimeko elungileyo ngexesha kusweleka umthengi.

36. UNEXESHA ELINGAKANANI UMXHAMLI WAM PHAMBI KOKUBA AKWAZI UKUFAKA IBANGO?

Umxhamli ochongwe ngumthengi uneenyanga ezi-6 ukusuka kumhla wokusweleka komnini-akhawunti yakwaCapfin ukuze akwazi ukufaka ibango. Emva kweenyanga ezi-6 i-Inshorensi yoMngcwabo ayisayi kufumaneka.

37. INGABA IBHENEFITHI YAM YANGOKU IZA KUCINYWA UKUBA NDITSHINTSHA UMXHAMLI WAM?

Hayi, wamkelekile ukuba utshintshe iinkcukacha zomxhamli ngokuxhomekeke kwimimiselo nemiqathango ye-Inshorensi yoMngcwabo.

38. INGABA UMCEBISI WAKWA-CAPFIN UYAKWAZI UKUFOWUNELA U-ABACUS EGAMENI LAM ATSHINTSHE IINKCUKACHA ZOMXHAMLI?

Hayi, wena njengomthengi wakwaCapfin uya kubanoxanduva lokutshintsha iinkcukacha zomxhamli wakho. Kuza kufuneka uqhagamshelane no-Abacus Life Limited ku-0800 777 444 ukwenza amalungiselelo afanelekileyo.

39. INGABA UKUZIBULALA KUYAHLAWULELWA YILE YI-INSHORENSI?

Hayi, ukuzibulala akuhlawulelwa yile inshorensi.

40. NGEMIBUZO ENGQALE KWI-INSHORENSI YOMNGCWABO NCEDA UQHAGAMSHELE?

Qhagamshelana no-Abacus Life Limited ku-0800 777 444 okanye ngefeksi ku-011 211 1090

41. NDINGAYIGCINA I-INSHORENSI YOMNGCWABO UKUBA NDIYIHLAWULA NGOKWAM?

Hayi, ungakwazi, noko kunjalo, qhagamshelana no-Abacus Life Limited ku-0800 777 444 uthathe ibhenefithi ye-inshorensi yomngcwabo eyodwa engadibenanga ne-akhawunti yemali-mboleko yakwa-Capfin.