Ukubheja kusengaphambili okuvela ku-SpinBetter: ithuba lokwenza inzuzo!

Uma imali yokubheja isiphelile, kukhona ithuba lokuhlala emdlalweni ngisho ngaphandle kokufaka imali: inqobo nje uma umdlali enezibheja ezingakakhishiwe, i-SpinBetter ingamnikeza ithuba lokubheja kusengaphambili!

Joyina manje

Lolu bhethi luzokwenzeka ngempela kuphela uma amabhethi owawenzile ngaphambilini ephetha ngokuthi uwina futhi kukuvumela ukuthi ukhokhele lolu bhethi.

Inani elitholakalayo lokubheja kusengaphambili alilingani nenani ongawina, linqunywa ngama-algorithm akhethekile. Ungabona ukuthi ukubheja kusengaphambili kuyatholakala kuwe okwamanje yini kukhuphoni ye-SpinBetter: lolu lwazi lutholakala kumugqa othi “Ukubheja kusengaphambili okutholakalayo”.

Ukubheja kusengaphambili kungasetshenziswa kuphela emidlalweni ebukhoma noma emicimbini yangaphambi komdlalo ezizoqala ezinsukwini ezimbili ezizayo.

Umdlali unelungelo lokwenza noma yiziphi izinombolo zokubheja kusengaphambili ngaphakathi komkhawulo oqokwe ngabaphathi ngokomcimbi ngamunye. SpinBetter Inquma inani lemibheja yangaphambili evunyelwe ngokuya ngomdlali, inani lemibheja engakakhethwa kanye namathuba abo, kodwa ingaphinde inqabe ilungelo lokubheja kusengaphambili ngaphandle kokuchaza isizathu.

Uma uwina ukubheja okungakaze kubalwe ngaphambilini, bese kubekwa ukubheja kwangaphambili, imali oyinqobile isetshenziselwa ukuxhasa lokho ukubheja kwangaphambili. Uma imali oyinqobile inganele, ukubheja kwangaphambili kuyakhanselwa. Noma ngabe umdlali ufaka idiphozithi ngemva kokubeka ukubheja kwangaphambili kodwa ngaphambi kokuba kukhanselwe, imali evela ku-akhawunti eyinhloko yomdlalo ayikwazi ukusetshenziswa ukuxhasa ukubheja okunjalo.

Umdlali wayenama-4000 ZAR ku-akhawunti yakhe. Wenze okulandelayo ukubheja:

• 1800 ZAR ngamathuba angu-1.5 – ungawina 2200 ZAR;
• 2000 ZAR ngamathuba angu-2.0 – ungawina 40000 ZAR.

Kusele ama-ZAR angu-200 ku-akhawunti. Abaphathi be-SpinBetter, belwazi ngenani elingaba khona lokuwina, bakulungele ukuvumela ukubheja kusengaphambili ngenani elengeziwe lama-ZAR angu-2000 – inani eliphelele liyaba ngu-2200 ZAR, ongabheja ngalo lonke inani noma ulihlukanise kube ukubheja okuningi. Umsebenzisi wenza okulandelayo:

• ubheja ngo-600 ZAR (ama-200 akhe siqu kanye nama-400 adephoziwe) ngesilinganiso esingu-1.5, ethemba ukunqoba ama-700 ZAR;
• futhi enye i-1000 ZAR ebhejweni langaphambili emcimbini one-quote engu-2, ethemba ukunqoba i-2000 ZAR.

Lezi zimo ezine ezingaba khona ezilandelayo:

1. Zonke izibheja seziyinqobile. Kulesi simo iklayenti lizothola yonke imali eliyinqobile elaliyalindele: 2200+4000+900+2000=9100 ZAR.
2. Ukubheja okukhokhelwe ngumdlali kuphumelele, kodwa ukubheja kwangaphambili kwehlulekile. Ngakho-ke, umsebenzisi uwine 2200+4000=6200 ZAR, kanti ezinye 10 ayezishiyile ku-akhawunti – konke kungu-6200 ZAR. Nokho, izindleko zokubheja ezimbili zangaphambili zisuswa kulesi sibalo: 6200-(600+1000)=400 ZAR, okuyoba ebhalansi yeklayenti ngemva kwezinqubo zonke.
3. Ukubheja kokuqala okubili okwenziwe ngemali yomdlali kwehlulekile, kodwa ukubheja okubekelwe phambili kwaphumelela. Kulesi simo, ukubheja okubekelwe phambili kubhekwa njengekukhanseliwe ngoba imali ayanele. Kulesi simo, ukubheja kokuqala okubekelwe phambili kwenziwa ngo-200 ZAR kusuka ebhajethini yomdlali – le mali izobuyiselwa kumuntu onelungelo layo.
4. Ukulahlekelwa yizo zonke izibheja ezibekwe. Ngokungafani nesimo sangaphambilini, kulokhu ngisho ne-200 ZAR esetshenziselwe ukuxhasa isibheja sesithathu kanye nesibheja ‘advance’ kubhekwa njengelahlekile, futhi ngeke kubuyiselwe kumdlali.