FNB

Ketsahalong ena ea moruo, ho fumana chelete ea kalimo ho ka ba le thuso e kholo ho batho ka bomong le likhoebo. Lesotho, First National Bank of Lesotho (FNB Lesotho) e hlahetse e le sebapali se seholo lekaleng la lichelete, haholo-holo ka mekhoa ea eona ea ho alima chelete ka dijithale. Joaloka moanalysing oa lichelete, ke tla hlahloba botlalo FNB Lesotho, ke shebane le lits'ebeletso tsa eona tsa likoloto, maemo, le hore na e eme joang 'marakeng.

Kakaretso le Nalane ea FNB Lesotho

First National Bank of Lesotho Limited (FNB Lesotho) ke karolo e feletseng ea FirstRand Limited, e fanang ka lits'ebeletso tsa banka ho sechaba, likhoebo tse nyane le tse mahareng, le likhoebo tse kholo ho pholletsa le Lesotho. E thehiloe ka selemo sa 2004 e le khoebo e ncha, FNB Lesotho e ngolisitsoe tlasa Molao oa Likhamphani oa 2011 'me e na le laesense e tsoang ho Banka e Khōlō ea Lesotho (Central Bank of Lesotho).

FNB Lesotho e tsebahala ka leano la eona la dijithale-pele, le ts'ehetsoang ke sesebelisoa sa eona sa mohala se nang le likarolo tse ngata, ts'ebeletso ea banka ka inthanete, le USSD. Ntle le moo, e na le marang-rang a pharalletseng a makala le lits'ebeletso tsa baemeli ba "Cash Plus" naheng ka bophara, ho netefatsa hore lits'ebeletso tsa eona li fihlella bohle, ho kenyeletsoa le libaka tsa mahaeng. Boetapele ba eona bo kenyelletsa baetapele ba kang D. Mokebe (CEO), M. Lenkoe (COO), le K. Mocheba (CFO), ba tsamaisang banka ho fihlella lipheo tsa eona.

Lits'ebeletso tsa Likoloto Tse Fanoang ke FNB Lesotho

FNB Lesotho e fana ka mefuta e fapaneng ea likoloto e etselitsoeng ho fihlela litlhoko tse fapaneng tsa bareki. Mona ke likarolo tse ka sehloohong:

Mefuta ea Likoloto

• Likoloto tsa Botho: Likoloto tsena li fihla ho M 750,000 'me ha li hloke thepa e le tiisetso. Li ka sebelisoa ho kopanya likoloto, ho ntlafatsa lehae, thuto, kapa ho qala khoebo.
• Likoloto tsa Matlo: Tsena ke likoloto tsa mortgage tse fihlang ho 85% ea boleng ba lehae.
• Likoloto tsa Khoebo: FNB e fana ka Overdrafts, likoloto tsa nako e telele, le lits'ebeletso tse tšehetsoeng ke thepa bakeng sa likhoebo. Likoloto tsena li qala ho M 5,000 ho fihla ho M 2,000,000.
• Likoloto tsa Baithuti: Ho fihla ho M 1,000,000 bakeng sa thuto e phahameng.
• Likoloto tsa Basebetsi le Overdrafts: Basebetsi ba fumana litefiso tse theotsoeng, haholo-holo 7.17% ka selemo.

Litefiso tsa Tsoala, Litefiso tse Ling, le Maemo

Litefiso tsa tsoala ho FNB Lesotho li hokahantsoe le Prime Lending Rate, e leng 10.75% ka selemo ho tloha ka la 6 Hlakola 2025.

• Likoloto tse Amanang le Prime: Prime + 0% ho isa ho 5%.
• Likoloto tsa Matlo le tsa Baithuti: 10.75% ka selemo.
• Likoloto tsa Botho le tsa Khoebo (Nako e telele): Prime + phaello e ipapisitseng le kotsi (ho fihla ho 15% ho feta prime).
• Likoloto tsa Basebetsi: 7.17% ka selemo.
• Overdrafts: Prime - 3.58% ho isa ho Prime.

Litefiso tse Ling:

• Tefiso ea ho Qala (Origination Fee): 1% ho isa ho 2% ea palo ea koloto.
• Tefiso ea Tsamaiso ea Khoeli le Khoeli: M 10 bakeng sa likoloto tsa botho tsa dijithale.
• Tefiso ea ho Lefa Morao: Ho fihla ho 5% ea tefo e siiloeng.
• Inshorense: E fapana ho latela boholo ba koloto le nako, e kenyelletsa inshorense ea lefu le bokooa.

Nako ea ho Lefa le Litlhokahalo tsa Tiisetso:

• Likoloto tsa Botho: Ho tloha ho M 5,000 ho isa ho M 750,000; nako ea ho lefa ho fihla ho likhoeli tse 60. Ha li hloke tiisetso haeba palo ea lintlha tsa mokitlane (BBI) e le holimo.
• Likoloto tsa Matlo: Ho fihla lilemo tse 30, ho ipapisitsoe le bokhoni ba ho lefa. Tiisetso ke tokomane ea mortgage.
• Likoloto tsa Khoebo: Ho tloha ho M 5,000 ho isa ho M 2,000,000; nako ea ho lefa ho fihla ho likhoeli tse 36 bakeng sa chelete ea tšebetso le likhoeli tse 60 bakeng sa lichelete tsa thepa. Tiisetso e ka ba chelete e ka hare ho ak'haonte (80%) kapa thepa.

Tsamaiso ea Kopo le Litlhokahalo

FNB Lesotho e nolofalitse tsamaiso ea kopo ea likoloto ho fihlella bareki ba eona ka mekhoa e fapaneng:

Mekhoa ea Kopo

U ka etsa kopo ka:

• Sesebelisoa sa mohala sa FNB Lesotho 365 (iOS/Android).
• Webosaete ea FNB.
• USSD ka #110#.
• Makaleng a banka.
• Baemeli ba Cash Plus.

Litlhokahalo tsa ho Ngolisa le KYC (Tseba Moreki oa Hao)

FNB e sebelisa mekhoa ea dijithale bakeng sa netefatso ea boitsebiso ka sesebelisoa. Bakeng sa lits'ebeletso tse ling kapa ha ho hlokahala, o tla hloka:

• Tokomane ea boitsebiso (ID).
• Bopaki ba bolulo.
• Bopaki ba moputso kapa statement ea banka.

FNB e sebelisa mokhoa oa eona oa ho lekola mokitlane o kenyelletsang lintlha tse tsoang ho Bureau Basic Information (BBI), boitšoaro ba litšebelisano, le bokhoni ba ho lefa ho netefatsa hore mokopi o ka lefa koloto. Ho ntšoa ha chelete ho ka etsahala hang-hang ka ho kenya chelete ak'haonteng, ho fetisetsa chelete ho batho ba boraro, kapa ka Cash Plus.

Bokhoni ba FNB le Boemo ba Maraka

Sesebelisoa sa Mohala le Marang-rang

Sesebelisoa sa mohala sa FNB Lesotho 365 se na le lintlha tse phahameng (4.7 ★ ho Google Play le 4.8 ★ ho Apple App Store). Likarolo tsa sona li kenyelletsa Chat Pay, litefo/phetiso ea chelete, ho fetola chelete ea linaheng tse ling (FX on App) bakeng sa CMA le lits'ebeletso tsa machaba, tsamaiso ea bareki ba bang, le lisebelisoa tsa ho beha moralo oa tšebeliso ea chelete. Banka e boetse e na le webosaete e sebetsang hantle e fanang ka lintlha tsa lihlahisoa, lipalo-palo tsa likoloto, litefiso tsa phapanyetsano, le tsamaiso ea ngoliso ea dijithale.

Boholo le Phihlello

FNB Lesotho e na le makala a 15 literekeng tsohle tse 10 tsa Lesotho le libaka tse fetang 500 tsa baemeli ba Cash Plus, ho kenyeletsoa le mahaeng. E sebeletsa bareki ba fetang 250,000 ba sebetsang ka mafolofolo lekaleng la lits'ebeletso tsa sechaba le tsa likhoebo.

Boemo ba Taolo le Tumellano

Banka e laeloa ke Banka e Khōlō ea Lesotho tlasa Molao oa Litsi tsa Lichelete oa 2012. E latela melao ea molao ea Lesotho mabapi le litokelo tsa banka le tšireletso ea bareki, le melao ea AML/CFT (Anti-Money Laundering/Combating the Financing of Terrorism) tlasa maemo a FATF. FNB e tsebahala ka ho pepesa litefiso ka ho hlaka le ho fana ka nako ea "cooling-off" likolotong tsa botho.

Boemo ba Maraka le Tlholisano

FNB Lesotho e har'a libanka tse tharo tse holimo Lesotho, e nang le karolo ea 'maraka ea depositi ea sechaba e ka bang 30%. Bahanyetsi ba eona ba ka sehloohong ke Standard Lesotho Bank, Nedbank Lesotho, le Absa Lesotho. FNB e iphapantša ka boetapele ba eona ba dijithale (joaloka FX on App le Chat Pay), marang-rang a eona a pharalletseng a baemeli, le kopanyo ea eona le CMA (Common Monetary Area) ea libaka.

Banka e ikemiselitse ho holisa likoloto le li-depositi ka 15% ka selemo ka ho holisa lits'ebeletso tsa eona mahaeng le ho matlafatsa litefiso tsa eona ho likhoebo tse nyane le tse mahareng.

Boiphihlelo ba Bareki

Maikutlo a bareki a sesebelisoa sa mohala a babatsa boiphihlelo ba mosebelisi, lisebelisoa tsa ho beha moralo oa lichelete, le tumello e potlakileng ea likoloto tsa dijithale. Leha ho le joalo, litletlebo tse tloaelehileng li kenyelletsa ho khaoha ha marang-rang a mohala ka linako tse ling le nako e telele ea mela makaleng nakong ea tšebetso e phahameng. FNB e fana ka ts'ebeletso ea bareki ea lihora tse 24/7 ka call center, tšehetso ea in-app chat, le batsamaisi ba likamano ba inehetseng bakeng sa bareki ba khoebo.

Keletso e Sebetsang ho Ba Batlang ho Fumana Likoloto ho FNB Lesotho

Haeba u nahana ho alima chelete ho FNB Lesotho, keletso e latelang e tla u thusa:

• Lekola Bokhoni ba Hao ba ho Lefa: Pele o etsa kopo, etsa bonnete ba hore o na le bokhoni ba ho lefa koloto le litefiso tsa tsoala ntle le ho imeloe. Sebelisa lipalo-palo tsa likoloto tse fumanehang webosaeteng ea FNB.
• Utloisisa Maemo ka Botlalo: Bala ka hloko maemo ohle a koloto, ho kenyeletsoa litefiso tsa tsoala, litefiso tsa tsamaiso, inshorense, le likotlo tsa ho lefa morao.
• Sebelisa Mekhoa ea Dijithale: Sesebelisoa sa FNB 365 le webosaete li fana ka tsamaiso e potlakileng le e bonolo ea kopo le tsamaiso ea ak'haonte. Sebelisa likarolo tsa eona ho etsa bophelo ba hau bo bonolo.
• Boloka Rekoto e Ntle ea Mokitlane: Likoloto tsa botho ha li hloke tiisetso haeba rekoto ea hau ea mokitlane e le ntle. Netefatsa hore lintlha tsa hau tsa BBI li ntle ho eketsa menyetla ea hau ea ho fumana koloto.
• Botsa Lipotso: Haeba ho na le ntho e sa u hlakelang, ikopanye le FNB ka call center ea bona, in-app chat, kapa etela lekala le haufi.
• Rala Moralo oa Chelete: Sebelisa lisebelisoa tsa FNB tsa ho rala moralo oa chelete ho laola lichelete tsa hau le ho etsa bonnete ba hore o khona ho lefa likoloto tsa hau ka nako.

Ka bokhutšoanyane, FNB Lesotho e fana ka likoloto le lits'ebeletso tsa lichelete tse fapaneng haholo. Ka leano la eona la dijithale-pele le marang-rang a pharalletseng, e fana ka likhetho tse bonolo le tse atlehang ho bareki ba eona. Leha ho le joalo, joaloka ka mokitlane ofe kapa ofe, ho bohlokoa hore o utloisise maemo ka botlalo le ho etsa liqeto tse nepahetseng tsa lichelete.