Lesotho PostBank

Re le setsebi sa lichelete le sengoli sa litaba, re hlahloba Lesotho PostBank, e leng setheo sa lichelete se nang le karolo ea bohlokoa ho theheng bokamoso ba lichelete ba Basotho. Banka ena, e thehiloeng ka boiphihlelo ba mmuso, e ikemiselitse ho fana ka litšebeletso tsa banka tse fumanehang le tse theko e tlase ho bohle, haholo-holo ba sa sebeliseng libanka kapa ba sa sireletsehang ka lichelete.

Kakaretso ea Lesotho PostBank le Semelo sa Eona Lesotho

Lesotho PostBank Limited e ngolisitsoe ka molao ka selemo sa 2004, 'me ea qala ho sebetsa ka 2005. Ke banka e nang le mmuso ka botlalo, e thehiloeng ka sepheo sa ho ntšetsa pele kenyeletso ea lichelete naheng ea Lesotho. Sepheo sa eona ke ho fana ka litšebeletso tsa banka tsa boleng bo holimo ho baahi ba Lesotho ba fapaneng, ho tloha metseng ea litoropo ho ea libakeng tsa mahaeng, ho kenyeletsa batho ka bomong le likhoebo tse nyane.

Ho tloha ka 2014, Lesotho PostBank e bontšitse katleho e tsitsitseng ea phaello, moo ka 2023 e tlalehileng phaello ea M57.9 milione pele ho lekhetho, le maruo a limilione tse likete tse M2.4. Sena se bontša ho hola ha eona le boitlamo ba eona ba ho sebetsa hantle. E laoloa ke Central Bank of Lesotho 'me e ikamahanya le melao le litekanyetso tsa machaba.

Likalimo le Litšebeletso Tse Fanoang ke Lesotho PostBank

Lesotho PostBank e fana ka mefuta e fapaneng ea likalimo le litšebeletso tsa lichelete, tse etselitsoeng ho fihlela litlhoko tse fapaneng tsa bareki ba eona.

Mefuta ea Likalimo

• Likalimo tsa Motho ka Mong (Personal Term Loan): Tsena li etselitsoe haholo-holo batho ba amohelang meputso. Nako ea ho lefa e tloha ho likhoeli tse 24 ho isa ho tse 96. Litefiso tsa tsoala li hokahane le prime rate 'me li ipapisa le kotsi le bokhoni ba mokoloto ho lefa. Batlatsi (guarantors) kapa ho fana ka chelete ho tsoa moputsong ho ka hlokoa e le tiisetso. Chelete e tlase ea kalimo ke M5,000, ha e phahameng e le M1,000,000.
• Likalimo tsa Matlo (Home Loan): Tsena li fana ka lichelete tsa nako e telele bakeng sa ho reka kapa ho ntlafatsa thepa ea bolulo.
• Likalimo tsa Likoloi le Thepa e Tsamaeang (Vehicle & Asset Loans): Li fana ka lichelete bakeng sa ho reka likoloi kapa thepa e meng e tsamaeang.
• Likalimo tsa Khoebo (Business Loans): Li akaretsa lihlahisoa tsa likhoebo tse nyane le tse mahareng (SME) le lichelete tse nyane (microfinance), tse fanoang ka makala a PostBank le ka tšebelisano le Norsad Capital.

Litefiso tsa Tsoala, Litefiso le Melao

• Litefiso tsa Tsoala (Interest Rates): Sekhahla sa tsoala se thehiloe ho prime rate, 'me se tloaelehile ho ba 1.6% ho isa ho 1.8% ka holimo ho prime rate selemo le selemo. Sekhahla sa selemo le selemo (APR) se hakanyetsoa ho tloha ho 12% ho isa ho 18%.
• Nako ea ho Lefa (Tenor): Bakeng sa likalimo tsa motho ka mong, nako e tloaelehile ho ba lilemo tse peli ho isa ho tse robeli. Bakeng sa likalimo tsa matlo, nako e ka fihla lilemong tse 20.
• Mokhoa oa ho Lefa: Litefiso li etsoa khoeli le khoeli, ka mokhoa oa ho khaola moputsong, phetisetso ea banka, kapa ka chelete ea mohala (mobile money).
• Litefiso tse ling: Ho ka ba le litefiso tsa tsamaiso (origination/processing fees) tse tlohang ho M200 ho isa ho M500 bakeng sa kalimo ka 'ngoe. Litefiso tsa ho lefa morao li ka ba 2% ho isa ho 5% ea tefiso e liehileng.
• Tiisetso (Collateral): Bakeng sa likalimo tsa motho ka mong, moputso le batlatsi ke tiisetso e tloaelehileng. Bakeng sa likalimo tsa khoebo, thepa e tsitsitseng le e tsamaeang, kapa thepa e sa falleng, li ka sebelisoa e le tiisetso ho latela tlhahlobo ea kotsi.

Ts'ebetso, Theknoloji le Boemo 'Marakeng

Lesotho PostBank e sebelisa mekhoa e fapaneng ea ts'ebetso le theknoloji ho fihlella bareki ba eona, ha e ntse e boloka boemo bo botle 'marakeng.

Mokhoa oa Kopo le Litlhoko

• Litsela tsa Kopo: U ka etsa kopo ka lenaneo la mohala (mobile app), marang-rang (internet banking), makaleng a banka, kapa ka li-agents tsa "Khetsi Agents" tse fanang ka litšebeletso tsa ho kenya le ho ntša chelete.
• Litlhoko tsa KYC (Tseba Moreki oa Hao): Batlatsi ba kopo ba tlameha ho fana ka karete ea boitsebiso ea naha, bopaki ba bolulo, le bopaki ba chelete e kenang. Litokomane tsena li nchafatsoa lilemo tse peli kaofela ho latela melao ea AML/CFT (Anti-Money Laundering/Combating the Financing of Terrorism).
• Tlhahlobo ea Mekoloto: Banka e sebelisa mokhoa oa eona oa ho lekanya kotsi, e sheba litlaleho tsa mokoloto, le bokhoni ba mokoloto ho lefa pele e fana ka kalimo.
• Mokhoa oa ho Fana ka Chelete: Chelete ea kalimo e ka fetisetsoa ka banka, chelete ea mohala, ho ntšoa ho li-ATM ka karete, kapa ho ntšoa ka li-agents.

Lenaneo la Mohala (Mobile App) le Boiphihlelo ba Mosebelisi

Lenaneo la mohala la Lesotho PostBank, le bitsoang "Lesotho PostBank Mobile", le fumaneha ho li-platform tsa iOS le Android. Le na le downloads tse ka bang 10,000 'me le na le lintlha tsa boleng ba 4.5 ka har'a Google Play Store.

• Likarolo tsa Lenaneo: Lenaneo le lumella basebelisi ho lefa likoloto tsa lits'ebeletso, ho etsa phetisetso ea chelete kahare ho naha le libakeng tse ling, ho sebelisa litšebetso tse amanang le likarete le tse se nang likarete, le ho laola liakhaonto tsa bona.
• Boiphihlelo ba Mosebelisi: Bareki ba bangata ba rorisa bonolo ba ho sebelisa litsela tsa dijithale. Leha ho le joalo, ho na le litletlebo tse ling mabapi le botsitso ba lenaneo le tieho ea ho nchafatsa litokomane tsa KYC.

Boemo ba Taolo le Tumello

Lesotho PostBank e na le tumello ea Retail Banking Institution ho tsoa Central Bank of Lesotho. E tlasa tlhokomelo e tiileng ho latela melao ea Basel II, ho kenyeletsa tlhahlobo ea selemo le selemo ea bokhoni ba banka ho mamella mathata a lichelete (stress testing) le litlhoko tsa boleng ba chelete e lekaneng (capital adequacy).

Banka e boetse e ikemiselitse ho sireletsa bareki ka ho ba le litefiso tse pepeneneng, ho etsa tlhahlobo ea kamehla ea KYC, le ho fana ka litsela tsa ho rarolla litletlebo ka setsi sa mehala le ombudsman ea CBOL.

Boemo 'Marakeng le Papiso le Bahanyetsi

Leha Lesotho PostBank e le e nyane ka palo ea bareki ha e bapisoa le libanka tse ling tse kholo tse tsoang Afrika Boroa tse sebetsang Lesotho (e na le karolo e ka tlase ho 5%), e ntse e hola ka potlako litšebeletsong tsa lichelete tsa dijithale.

• Bahanyetsi: Bahanyetsi ba eona ba ka sehloohong ke Standard Lesotho Bank, Nedbank Lesotho, FNB Lesotho, le bafani ba litšebeletso tsa chelete ea mohala joalo ka M-pesa.
• Phapang: Lesotho PostBank e ikhetholla ka tšehetso ea mmuso, marang-rang a makala libakeng tsa mahaeng, litšebeletso tse theko e tlase, boikemisetso ba ho kenyelletsa bohle licheleteng, le marang-rang a li-agents.
• Merero ea Khōlo: Merero ea eona ea leano la 2022-2024 e totobatsa ho fana ka likarete tsa debit tsa EMV, ho latela melao ea PCI DSS, software e ncha ea ATM, litsamaiso tsa AML, le katoloso ea marang-rang a li-agents.

Boeletsi bo Sebetsang ho Ba Batlang Likalimo ho Lesotho PostBank

Ho ba nahanang ho nka kalimo ho Lesotho PostBank, ho na le lintlha tsa bohlokoa tseo ba lokelang ho li ela hloko:

• Utloisisa Melao le Maemo: Pele o tekena konteraka ea kalimo, etsa bonnete ba hore o utloisisa ka botlalo litefiso tsa tsoala, litefiso tsa tsamaiso, le litefiso tsa ho lefa morao. Botsa lipotso tsohle tseo u nang le tsona.
• Lekola Bokhoni ba Hao ba ho Lefa: Etsa bonnete ba hore o na le bokhoni ba ho lefa litefiso tsa khoeli le khoeli ntle le ho ipeha tsietsing. Ho nka kalimo e kholo ho feta kamoo o ka e lefang ho ka lebisa mathateng a lichelete.
• Sebelisa Litsela tsa Dijithale ka Bohlale: Lenaneo la mohala le marang-rang li fana ka bonolo bo boholo. Leha ho le joalo, haeba u kopana le mathata a botsitso ba lenaneo, u se ke oa tsilatsila ho sebelisa makala a banka kapa li-agents.
• Lokisa Litokomane Tse Hlokahalang Pele: Ho potlakisa ts'ebetso ea kopo, itokisetse ka litokomane tsohle tsa KYC tse hlokahalang, joalo ka karete ea boitsebiso, bopaki ba bolulo, le bopaki ba chelete e kenang.
• Bapisa le Bahanyetsi: Le hoja Lesotho PostBank e fana ka litšebeletso tse theko e tlase, ho bohlokoa ho bapisa linyehelo tsa eona le tsa libanka tse ling le bafani ba chelete ea mohala ho fumana khetho e molemohali ho latela litlhoko tsa hao.
• Sebelisa Litšebeletso tsa Bareki: Haeba u na le lipotso kapa litletlebo, u ka ikopanya le Lesotho PostBank ka nomoro ea mohala ea mahala 80099920, WhatsApp ho 62579119, kapa ka email ho [email protected].

Ka kakaretso, Lesotho PostBank e emela setheo se matla sa lichelete se nang le boitlamo ba ho sebeletsa sechaba sa Lesotho. Ka ho utloisisa litšebeletso tsa eona le ho latela boeletsi bona, batho ba ka nka liqeto tse nepahetseng tsa lichelete le ho rua molemo mefateng ea likalimo tseo e li fanang ka tsona.