Standard Lesotho Bank

Kakaretso ea Banka ea Standard Lesotho le Nalane ea Eona Lesotho

Banka ea Standard Lesotho ke mokhatlo oa lichelete o matla le o etelletseng pele Lesotho, o tsebahalang ka ho fana ka litšebeletso tse ngata tsa lichelete, ho tloha ho tseo tsa bareki ba tloaelehileng ho ea ho tsa likhoebo tse kholo le tsa matsete. E thehiloe ka selemo sa 1995, Banka ea Standard Lesotho ke karolo e felletseng ea Standard Bank Group Ltd, eo e leng mokhatlo o moholo ka ho fetisisa oa libanka Afrika ka thepa ea eona.

Banka ena e ngolisitsoe ka molao Lesotho e le khamphani ea sechaba tlas'a nomoro ea khamphani C0786/1995, 'me e sebetsa e le setsi sa lichelete se lumelletsoeng le se laoloang ke Banka e Bohareng ea Lesotho. Mokhoa oa eona oa khoebo o arotsoe likarolo tse peli tsa mantlha:

• Lits'ebeletso tsa Libanka tsa Likhoebo le Matsete (CIB): E sebeletsa likhoebo tse kholo, lichelete tsa merero e meholo, khoebo le keletso.
• Lits'ebeletso tsa Libanka tsa Botho le Khoebo (PBB): E fana ka lihlahisoa tsa libanka tsa bareki ba tloaelehileng, likhoebo tse nyane le tse mahareng (SME), le likhoebo tse bohareng.

Bareki ba eona ba kenyelletsa batho ba amohelang meputso, ba ikemetseng, likhoebo tse nyane le tse mahareng, le mebuso. Sena se bontša bokhoni ba eona ba ho sebeletsa batho ba fapaneng le litlhokahalo tsa bona tsa lichelete ho pholletsa le naha.

Lihlahisoa le Litšebeletso tsa Kalimo tsa Banka ea Standard Lesotho

Banka ea Standard Lesotho e fana ka mefuta e mengata ea likalimo e etselitsoeng ho fihlela litlhokahalo tse fapaneng tsa bareki ba eona. Mona ke tse ling tsa lihlahisoa tsa eona tsa kalimo:

• Likalimo tsa Botho (Unsecured Term Loans): Tsena ke likalimo tse sa hlokeng tiisetso, tse fanoang ho batho ka bomong. Likoloto li qala ho M1,000 ho isa ho M200,000.
• Likalimo tsa Likoloi le Thepa: Bakeng sa ho reka likoloi kapa thepa e 'ngoe e kholo.
• Likalimo tsa Matlo le Mekitlane e Nchafalitsoeng: E thusa bareki ho reka matlo kapa ho nchafatsa mekitlane e teng ea matlo. Ho fihlela ho 80% ea boleng ba thepa, bonyane M100,000.
• Lits'ebeletso tsa Mekitlane e Fetohang (Revolving Credit Facilities): E lumella bareki ho alima le ho lefa chelete khafetsa ho fihlela moeling o itseng.
• Likalimo tsa Kaho le Nts'etsopele: Bakeng sa merero ea kaho kapa nts'etsopele.
• Overdrafts: E lumella bareki ho sebelisa chelete e fetang e teng akhaonteng ea bona ho fihlela moeling o itseng.
• Likalimo tsa Khoebo tsa SME le Lichelete tsa Khoebo: Li etselitsoe ho thusa likhoebo tse nyane le tse mahareng ho holisa kapa ho tsamaisa mesebetsi ea tsona. Likoloto li qala ho M50,000 ho isa ho M1,000,000.
• Likalimo tsa Sechaba le Lihlopha: Liphutheloana tsa likalimo bakeng sa lihlopha kapa sechaba.

Litefiso tsa Tsoala, Litefiso tse Ling, le Melao ea Kalimo

Ho bohlokoa ho utloisisa litefiso tsa tsoala, litefiso tse ling, le melaoana ea kalimo pele u etsa kopo. Banka ea Standard Lesotho e fana ka lintlha tse latelang:

• Likalimo tsa Botho: Litefiso tsa tsoala li qala ho 15.5% ho isa ho 26.5% ka selemo (APR 17% – 30%). Nako ea tefo ke likhoeli tse 6 ho isa ho tse 60.
• Likalimo tsa Likoloi le Thepa: Litefiso tsa tsoala li qala ho 12% ho isa ho 20% ka selemo (APR 14% – 22%). Nako ea tefo ke likhoeli tse 12 ho isa ho tse 72.
• Likalimo tsa Matlo: Litefiso tsa tsoala li baloa ho latela Sekhahla sa Mantlha sa Banka (Prime Rate) ho kenyelletsa 1% ho isa ho 3%. Hajoale, sena se ka ba 8.75% ho isa ho 10.75%. Nako ea tefo ke lilemo tse 10 ho isa ho tse 25.
• Lits'ebeletso tsa Mekitlane e Fetohang/Overdrafts: Litefiso tsa tsoala li baloa ho latela Sekhahla sa Mantlha sa Banka ho kenyelletsa 2% ho isa ho 4%. Tsena ke lits'ebeletso tse fetohang tsa likhoeli tse 12.

Litefiso Tse Ling:

• Tefiso ea Tlhahiso/Ts'ebetso: 1% – 3% ea chelete ea kalimo (bonyane M150).
• Tefiso ea Tsamaiso ea Khoeli le Khoeli: M10.
• Tefiso ea ho Lieha ho Lefa: M200 kapa 5% ea kalimo e sa lefueng, ho ipapisitsoe le hore na ke efe e phahameng.
• Tefiso ea ho Lefa Pele ho Nako: Ha ho tefiso kamora likhoeli tse 12; haeba ho seng joalo, ke 2% ea chelete e setseng.
• Inshorense ea Kalimo: Litefiso tsa Morero oa Tšireletso ea Kalimo (Loan Protection Plan) li fapana ho ea ka chelete le nako, 'me li kenyelletsa melemo ea lepato ho fihlela M50,000.

Mokhoa oa Kopo le Litlhokahalo

Banka ea Standard Lesotho e nolofalitse mokhoa oa kopo ka ho fana ka mekhoa e fapaneng, ho kenyeletsa le ea dijithale le ea setso.

Mekhoa ea Kopo:

• Dijithale: U ka sebelisa Sesebelisoa sa SmartApp (se fumanehang ho iOS le Android), Internet Banking, kapa USSD (*120*550#).
• Lits'ebeletso tsa 'Mele: Banka e na le makala a 18 naheng ka bophara, li-ATM tse 93 (tse 30 li ka amohela chelete), le baemeli ba bang ba 18.

Litlhokahalo tsa KYC (Tseba Moreki oa Hao) le Ngoliso:

• Ak'haonte e Nyane (Lite Account): Litlhokahalo tse fokolang tsa KYC ka USSD/SmartApp (nomoro ea boitsebiso, letsatsi la tsoalo, selfie).
• Ak'haonte e Feletseng (Pro Account): KYC e felletseng (tokomane ea boitsebiso, bopaki ba aterese, selfie le video verification, bopaki ba mohloli oa chelete).
• Ak'haonte ea Khoebo: Litokomane tse ling tsa ngoliso ea khoebo, bopaki ba chelete e kenang, le tlhahlobo ea CRA.

Banka e sebelisa mekhoa e tsoetseng pele ea ho lekola mekoloto, ho kenyelletsa lintlha tse tsoang ho Central Credit Registry, tlhahlobo ea boitšoaro ba litšebetso, le ho lekola bokhoni ba ho lefa. Bakeng sa likalimo tsa SME le sechaba, ho sebelisoa lipolatform tsa motho oa boraro.

Mokhoa oa Tefo ea Kalimo:

Hang ha kalimo e lumetsoe, chelete e ka fetisoa ka mekhoa e latelang:

• Phetisetso ea Banka: Chelete e kenella hang-hang akhaonteng ea Banka ea Standard Lesotho.
• Chelete ea Mohala: Ho sebelisana le li-e-wallets tsa lehae.
• Chelete e Metsi: Ho tsoa li-kaontareng tsa makala le mabenkeleng a baemeli.

Likarolo tsa Sesebelisoa sa Mohala (SmartApp) le Boiphihlelo ba Mosebelisi

Sesebelisoa sa SmartApp ke senotlolo sa maano a dijithale a Banka ea Standard Lesotho, se nolofalletsa bareki ho laola lichelete tsa bona le ho etsa likopo tsa kalimo habonolo.

• Ho Fumaneha: Se fumaneha ho iOS (v12+) le Android (v8+).
• Litekanyetso: Se fumane litekanyetso tsa 4.2★ ho Google Play le 4.5★ ho App Store, e bonts'a khotsofalo e phahameng ea bareki.
• Likarolo: Se fana ka likarolo tse ngata tse thusang, ho kenyelletsa litlhahiso tsa kalimo hang-hang, taolo ea ak'haonte, litefo tse ngata, libaka tsa li-ATM, le ho hokahana le USSD.

Bareki ba rorisa SmartApp haholo bakeng sa ho fana ka likalimo hang-hang le bonolo ba ho e sebelisa. Leha ho le joalo, ho na le litletlebo tse tloaelehileng mabapi le ho lieha ha nakoana ha lits'ebeletso kapa ho khaoha ha USSD ka linako tse ling.

Boemo ba Taolo le Laesense

Banka ea Standard Lesotho e sebetsa tlas'a laesense ea Molao oa Lits'ebeletso tsa Lichelete, 'me e laoloa ke Banka e Bohareng ea Lesotho. Sena se bolela hore e tlameha ho latela melao e thata mabapi le litefiso tsa laesense tsa selemo, bokhoni ba lichelete, le litlhokahalo tsa botsamaisi.

Banka e boetse e ikemiselitse ho sireletsa bareki ba eona ka ho fana ka lintlha tsohle tse mabapi le litefiso le APR. Morero oa Tšireletso ea Kalimo o boetse o fana ka inshorense ea bophelo, bokooa, le lepato, e fanang ka khotso ea kelello ho ba alimang. Banka e na le Lekala la Litletlebo le ikemiselitseng, 'me litletlebo li ka fetisetsoa ho ombudsman oa Banka e Bohareng ha ho hlokahala.

Litlhahlobo tsa Bareki le Boemo ba 'Maraka

Banka ea Standard Lesotho e na le karolo e kholo 'marakeng oa lichelete Lesotho, e le setsi se nang le thepa e ngata ka ho fetisisa (35% ea karolo ea 'maraka) le marang-rang a makala a pharalletseng. E na le botumo bo matla ba likhoebo tse kholo, e tšehelitsoe ke Standard Bank Group.

Bahanyetsi ba Banka:

Lesotho PostBank, Lesotho Building Society, Nedbank Lesotho, le First National Bank Lesotho ke bahanyetsi ba sehlooho. Leha ho le joalo, Banka ea Standard Lesotho e ikhetholla ka:

• Lipolatform tsa Dijithale tse Felletseng: SmartApp le USSD.
• Marang-rang a Baemeli ba Pharalletseng Libakeng tsa Mahaeng.
• Botsebi ba Lichelete tsa Machaba ka Standard Bank Group.

Ho latela litlhahlobo tsa bareki, SmartApp ea Banka e rorisoa haholo bakeng sa ho fana ka likalimo hang-hang le bonolo ba ho e sebelisa. Leha ho le joalo, litletlebo tse ling li kenyelletsa ho lieha ha linako tse ling ts'ebetsong ea likalimo tsa matsoho le ho khaoha ha USSD.

Keletso e Bohlokoa ho ba Batlang ho Alima

Haeba u nahana ho alima chelete ho Banka ea Standard Lesotho, lintlha tse latelang li ka u thusa:

1. Etsa Lipatlisiso Tse Felletseng: Shebisisa lihlahisoa tse fapaneng tsa likalimo, litefiso tsa tsoala, le litefiso tse ling. Etsa bonnete ba hore u utloisisa ka botlalo hore na u tla lefa bokae kaofela.
2. Lekola Bokhoni ba Hao ba ho Lefa: Pele u alima, etsa bonnete ba hore u khona ho lefa likalimo tseo ka nako le ka botlalo. Ho se bue nnete ka chelete ea hau e kenang kapa litšenyehelo ho ka etsa hore u be mathateng a lichelete.
3. Sebelisa SmartApp: Bakeng sa ts'ebetso e potlakileng le e bonolo, nahana ho sebelisa SmartApp ho etsa kopo ea kalimo, haholo-holo likalimo tsa botho.
4. Botsa Lipotso: Haeba ho na le ntho eo u sa e utloisiseng, se tšabe ho ikopanya le litšebeletso tsa bareki tsa Banka ea Standard Lesotho kapa ho etela lekala la bona.
5. Tšireletso ea Kalimo: Nahana ka Morero oa Tšireletso ea Kalimo ho ipha khotso ea kelello, haholo-holo bakeng sa likalimo tse kholo.
6. Boloka Rekoto e Ntle ea Mekoloto: Haeba u na le rekoto e ntle ea ho lefa mekoloto, ho ka ba bonolo ho uena ho fumana likalimo ka litefiso tsa tsoala tse tlase nakong e tlang.

Banka ea Standard Lesotho e fana ka litšebeletso tse ngata le tse fapaneng tsa kalimo tse ka finyellang litlhokahalo tsa baahi ba Lesotho. Ka ho utloisisa lintlha tsa bohlokoa tse boletsoeng ka holimo le ho nka mehato e nepahetseng, u ka etsa liqeto tse bohlale tsa lichelete.