• Iinzuzo zeRetail Bond yaseMzantsi Afrika
• Indlela Esebenza Ngayo
• Ukuthenga iRetail Bond yaseMzantsi Afrika
• Ezinye iinkcukacha

Kukho intlaninge yeenzuzo ekongheni imali ngokuthi utyale imali yakho kwiRetail Bond yaseMzantsi Afrika:

Ukhuseleko

• Inzala nemali zihlawulwa ngokobuxhaka-xhaka bobugcisa ngqo kwi-akhawunti yakho yebhanki, ndlla leyo ikhuseleke kakhulu kutyalo-mali.
• Olu ke lutyalo-mali olungenamakhwiniba agcwele iimpepha nebhaliswe ngegama lakho. Akukho siqinisekiso uza kusifumana okanye sibonakalayo.

Iimbuyekezo Eziqinisekisiweyo

• Uya kufumana isixa senzala esisebenzayo kweli shishini ngelko xesha uqala ngalo ukutyala imali yakho.
• Isixa senzala siqingqiwe de liphele ixesha lotyalo-mali lwakho. Uya kuyazi ngqo imali oya kuyifumana ukuba iya kuba ngakanani na.
• Ungaphinda ukhethe ukuyityala inzala oyifumene kutyalo-mali lwakho kwinzala elinganayo naleyo ubutyala ngayo kwiBond yakho ze ke ube uqinisekisa ukukhula kwemaliu yakho.

Akukho mngciphekweni

• Akunakuyisebenzisa iRetail Bond yakho njengobungqina bokuba uya kuyibuyisa nayiphi na imali-mboleko yakho kwenye indawo, leyo ke ibe yindlela yokuqinisekisa ukuba imali oyityalileyo ikhuselekile.
• Akunakuzithengisa iiRetail Bond zakho zaseMzantsi Afrika kubanye abantu abaomdla kuzo, naleyo ke ibe iyindlela yokuqinisekisa ukuba akukho sichengeni seli shishini.
• Ukuba ugqiba ekubeni uphinde uyityale inzala yakho, akuyi kuba namngcipheko wakuphinda utyale.

Ukukulngela

• Ungayithenga iRetail Bond yaseMzantsi Afirika ngobuxhaka-xhaka bobugcisa nbekhomyutha kwiwebsite yeRetail Bond yasezantsi Afrika, okanye ke ngqo kwiSebe likaNondyebo Wesizwe, okanye kulo naliphi isebe le-Ofisi yePosi, eyenza kube lula ukutyala iimali
• Inzala nemali ihlawulwa ngqo kwi-akhawunti yakho yebhanki ngosuku lokuhlawulwa kwenzala, kuqinisekiswa ukuba akukho kulibaziseka.
• IRetail Bond yaseMzantsi Afrika yenzelwe ukukunceda ukwazi ukumelana nezigqibo zakho zokutyala iimali zakho

Ukufikeleleka

• ukuba udinga imali ngokukhawulezileyo, ungayikhupha ngaphambi kwexesha emva nje kweshumi elinesibini leenyanga, kodwaq ke kuya kufuneka uhlawule isohlwayo ukuba kukho ngaphantsi kwewaka leerandi kwiBond yakho.

Ukuchonga Umntu Oza Kufumana le Retail Bond wakungabikho wena

• Ungachonga umntu oza kufumana isabelo sakho seRetail Bond yaseMzantsi Afrika abe mnye okanye nangaphezulu. Oku ke kuthethe ukuba ukuba uthi usutywe kukufa, iRetail Bond yakho ayiyi kuhlanganiswa nolawulo lwenye nje impahla yakho.
• Ukuba akuchongi mntu uza kufumana le mali, iBond le iya kuba yingxenye yempahla yakho.
• Nokuba uyamkhetha uyamchonga umntu oza kufumana iimali zakho okanye akumkhethi, le Bond iya xa kubalwa iirhafu zempahla yakho.

• Akukho zindleko, imali oyihlawula abanye abantu okanye iintlawulo xa utyala imali kwiRetail Bond yaseMzantsi Afrika.

• ube ngummi woMzantsi Afrika onencwadana yesazisi yaseMzantsi Afrika.
• Ube ngaphezu kweshumi elinesibhozo leminyaka ubudala.
• Ube ne-akhawunti yebhanki nebhanki yaseMzantsi Afrika.
• utyale ubuncinci imali eliwaka leerandi ze ubuninzi ibe sisigidi seerandi.

Xa utyala imali uya kuxelelwa izinga lenzala eliya kuhlala liqingqekile de liphele ixesha lotyalo-mali othi ulukhethe. Ungakhetha ukutyala ixesha eliyiminyaka emibini, emithathu okanye emithathu.

Izinga lenzala kutyalo-mali olutsha lubonakala naynga zonke futhi libhengezwa kwiwebsite yeBond yaseMzantsi Afrika. Izinga elisebenzayo xa usenza olu tyalo-mali liya kusebenza de liphele ixesha lotyalo-mali lwakho.

Inzala ihlawulwa rhoqo emva kweenyanga ezintandathu ngomhla wamashumi amathathu ananye kwinyanga yoKwindla nangomhla wamashumi amathathu kwinyanga yoMsintsi, ngqo ebhankini yakho. Ungakhetha ukuyifaka kutyalo-mali lwakho le nzala (oko ke kukuthi, uphinde uyityala nayo).

Ngeenzame zokukhusela abatyali-zimali emngciphekweni:

• akunakumisa okanye usebenzise iBond yakho njengesiqinisekiso sokuba imali-mboleko oyifumene kwenye indawo
• akunakuyithengisa le Bond kubanye abantu abanomdla.

Kufuneka ube:

• nencwadana yakho yesazisi yaseMzantsi Afrika
• neenkcukacha ze-akhawunti yakho yebhanki
• iphetshana lesicelo eligcwalisiweyo
• intlawulo

Ukuba ubudala buphakathi kweshumi elinesibhozo namashumi amabini ananye, uya kudinga nenye yoku kulandelayo:

• imvume etyikitywe phantsi ngabazali kwiphetshana lesicelo
• isiqinisekiso sakho somtshato
• ubungqina bokuba imvume nesimo sokuba ngumntu omkhulungokwemigaqo yomthetho iAge of Majority Act, ka-1972.

Ungasifaka isicelo:

• ngekhomyutha
• kuyo nayiphi na iofisi yeposi
• kwiNtloko, yeCandelo iAsset and Liability Management, kwiSebe likaNondyebo Wesizwe, Private Bag x115, ePitoli, 0001

Ungayihlawula ibond yakho

• ngokobuxhaka-xhaka bobugcisa usebenzisa i-internet banking
• ebhankini ngokuthi ufake imali eziinkozo, ngetsheki eqinisekiswe yibhanki, okanye ke ngecredit card/ngedebit card
• kwi-Ofisi yePosi ngemali eziinkozo, ngetsheki eqinisekiswe yibhanki okanye ke gecredit card ukuba?

Ukuze ufumane okunye ngale Bond, qhagamshelana naba:
kule nombolo yomnxeba: 012 315 5888
inombolo yefeksi: 012 315 5675
queries@rsaretailbonds.gov.za

Usenokutyelela iwebsite yeRetail Bond yaseMzantsi Afrika okanye ke uye kwi-ofisi yeposi ekufutshane nawe ukuze ufumane ezinye iinkcukacha.