Bank Windhoek

Okahololo koukompani noilonga yayo moNamibia

Ombanka yoWindhoek, oyo tai divike moNamibia onga ombanka inini yovanhu vaNamibia, oya totwa po momumvo 1982. Onghalalelo yayo otai xwaxwameke okuyandja omalongifo oimaliwa okudja koimaliwa youmounhu fiyo komaongalo manini nosho yo okangululwa. Osho osha li sha totwa po eshi ovali vaNamibia va pewa eendodo detenda dombanka yaVolkskas. Kunena, otai longifa onga etwalepo lavala loCapricorn Group Limited, olo la tulwa momusholondodo womaongalo moNamibian Stock Exchange okuudja momumvo 2013.

Ombanka yoWindhoek otai yandje omalongifo oimaliwa a wana, okudja koimaliwa yomikalo, oimaliwa yokupeka, oipungulwa, oimaliwa yomamona noukumwe, nosho yo omalongifo opounamapandja. Otai longifa okuningila ovapululi vayo aveshe, omwa kwatelwa ovalongeli, ovapunguli vomaukompanimani manini nomanini (SMEs), nosho yo eehangano lovamangululwapo, mokati keendolopa noikeleka. Onghedi yayo otai tula oshipana kokaulongifo okudja komapeka ayo, omitongolwa doulongedi, eemashina dokuyanda oimaliwa (ATMs), nosho yo okukwatakanifa pounamapandja, okukondja okulongela keengudu davana ovanhu aveshe.

Okompani oya pewa omhango yokulongela onga ombanka yomaulikilalo konhombo yoBank of Namibia (BoN) osho sha ningwa pexulilo lomumvo 1998. Ovanhu vamwe vomonghalalelo yayo ovamangululwapo ovakulupe vonhombo, ngaashi Johan Swanepoel onga Omupangeli, James Chapman onga Omukonakoni Omukulunhu, nosho yo Baronice Hans onga Omukonakoni Omukulunhu woCapricorn Group. Ovanhu ava ovanamapanda okukondja okukula koukompani nokukwatakanifa okulongifa oukoka woukaleli opounamapandja.

Omaukula oimaliwa yokupeka neemango daBank Windhoek

Ombanka yoWindhoek otai yandje omaukula oimaliwa okupeka omadana, opo a longele eenhapo dihapu dovapululi vayo. Omaukula oo ota kwatela mo:

• Oimaliwa youmounhu: Ei oimaliwa inai teka po sha, oyo ha i pewa ovapululi opo va longife keendunge davo kounhu. Eenghedi dokushuna oimaliwa oda dika po pomiezi di li 6 fiyo 60.
• Oimaliwa youpali: Yimwe youimaliwa inini yokupeka oyo hai pewa ovapululi opo va lande, va hapule, ile va tunge omaupali avo. Omayambidido eemaliwa haa pewa fiyo komimvo di li 240.
• Oimaliwa yoihauto noinamapungulwa: Okupeka oimaliwa opo ovapululi va lande oihauto, oinamapungulwa yoilonga, ile omashina amwe. Omayambidido eemaliwa haa pewa fiyo komimvo di li 12 fiyo 72.
• Oimaliwa opelenga (Overdraft): Osho osha fa okatenda koimaliwa osho ovapululi tave dulu okulongifa omaliwa mahapu e dule oimaliwa yavo, opo va dule okuyandja eendjemo dotete.
• Oimaliwa yomaulililo manini nomakwatakanifo (SME & Commercial Loans): Oimaliwa inini hai pewa oukompanimani manini nomanini, okudja komalongifo ovakwatakanifwa, oimaliwa yomikalo, oimaliwa youpali womaongalo, nosho yo oimaliwa youkumwe. Ei hai longela eenhapo dovakwatakanifwa omadana, nokupululwa kwayo ohaku ningwa eshi omupululi a holoka kOhandiki yOmbanka yoWindhoek.

Eendodo doimaliwa oyo hai pewa ohai kala ya yoolokana, ohai etelwa koshimaliwa shomupululi nosho yo eenhapo daye. Oimaliwa youmounhu oya yoolokana, ofimbo oimaliwa yomaulililo ha i pewa okudja keenhapo dounamapanda. Ngeenge omupululi oku na okuwapaula, oku na okuninga eenghundafana pehandiki opo a mone ouyelele wa wana.

Oipambele yomaliko, omatoo, neemango doimaliwa

Okukala wa naini kombinga yoipambele yomaliko, omatoo, nosho yo eenghono doimaliwa osha fimana koshinima osho sha kwata moiti eshi tashi longifa oimaliwa. Ombanka yoWindhoek otai dika oipambele yomaliko ayo okudja keenhono dokunyuka koshikako, nosho yo koihuna yomupululi. Konima yeenghundaafana, oipambele yomaliko youmounhu ohai kala pokati koipambele 12% nosho yo 18% komumvo, ofimbo oimaliwa yomaulililo ohai kala pokati koipambele 10% nosho yo 15% komumvo. Oipambele ei ohai kala ya yoolokana nokufikama.

Omatoo nomanyangadelo:

• Omatoo oku totopo oimaliwa (Origination Fee): Osha fa oipambele 1% fiyo 2% koshimaliwa osho sha pungulwa.
• Omatoo oukaleli (Processing Fee): Osha fa omaliwa aNamibia N$200 fiyo N$500.
• Omatoo okukala konyima (Late Payment Penalty): Oipambele 2% komwedi koshimaliwa osho inashi longifa nawa.

Opo oimaliwa ihai teka po sha ihai pulula okuteka po sha shilwe, oimaliwa youpali, yoihauto, nosho yo yoinamapungulwa ihai pulula okuteka po sha, ngaashi oupali woye ile oihauto yoye. Okukala wa naini koihuna ei osha fimana opo u dule okuninga eenghono odo da wana.

Eenghedi dokushuna oimaliwa:

• Oimaliwa youmounhu: Oshifiki shomwedhi shomafiku 6 fiyo 60.
• Oimaliwa youpali: Oshifiki shomwedhi shomafiku fiyo 240.
• Oimaliwa yoihauto noinamapungulwa: Oshifiki shomwedhi shomafiku 12 fiyo 72.
• Oimaliwa opelenga: Omaliwa oo haa longifa eshi taka kongo okuyeleka.

Omukalo wokukonga oimaliwa neemhango

Okukonga oimaliwa kOombanka yoWindhoek osha ningwa oshishona nohashi longifa nawa, okuudja komaukapeka omadana. Opo u dule okukonga oimaliwa, omupululi oku na okuholoka komapeka ayo, ile okulongifa omikalo dounamapandja. Omikalo dokukonga oimaliwa odo da kwatelwa mo:

• Opoosa yomongodi (Mobile App): Okulongifa opoosa yOmbanka yoWindhoek yomonhangwa yomonhangodi yoye (iOS ile Android).
• Okukwatakanifa pounamapandja (Internet Banking): Okulongifa okukwatakanifa pounamapandja okupitila kovapululi vOmbanka yoWindhoek.
• Eendodo deendjopelo: Okuudja keendodo 54, eendjopelo, nosho yo omitongolwa doulongedi moshilongo ashishe.
• Okukwatakanifa pounamapandja nosho yo WhatsApp: Opo u dule okuninga eenghundafana novakaleli vayo.

Okukala wa naini koipululwa osha fimana opo okukonga kwoye ku kale kwa wana. Oipululwa yOmbanka yoWindhoek oya kwatela mo:

• Ondjapo yoikundjipululi (National ID) ile okakakalata kokuyenda kombinga youkwatwa.
• Ouyelele wopali (Proof of residence), ngaashi okatenda komulilo ile komiadi inashi pita omiezi detatu.
• Ouyelele weemono (Proof of income), ngaashi okatenda kokulifila ile okatenda koulongeli.
• Omatenda oombanka (Bank statements) omiezi di li hamano da pita.
• Omatenda okukonga oukompanimani (Business registration documents) komanene nomanini.

Ombanka yoWindhoek ohai longifa ouyelele weemono dovapululi, ouyelele womalongifo oimaliwa, nosho yo omakwatafano omhango okuudja kOombanka yoNamibia opo i dule okuninga oteelelo lonhapo yomaliko. Oimaliwa ihai longifa nawa ohai longifa okuyandja omaliwa pounamapandja, okuudja keemashina dokuyanda oimaliwa, nosho yo okuyandja omaliwa pounamapandja (EasyWallet).

Opoosa yomongodi neemango dokulongifa

Opoosa yomongodi yOmbanka yoWindhoek otai longifa unene okuudja kovanhu voNamibia opo va dule okuninga omalongifo oimaliwa yavo. Opoosa otai longifa komongodi yoiOS (App Store, 371 MB) nosho yo yoAndroid (Google Play, yo ha i longifa kovanhu ve dule 100 000). Opoosa oya pewa omalelo a li 3.4 koipambele 5, okuudja kovapululi ve dule 1 440.

Omalongifo omapa nomatongolwa opoosa oya kwatela mo:

• Okuyandja omaliwa pounamapandja: Okutumina omaliwa kovakaleli vamwe vOmbanka yoWindhoek ile keembanka dimwe.
• Okumonika komaliko: Okumonika oimaliwa yoye, omalongifo oimaliwa yoye, nosho yo omanyanyangadelo omakulu.
• Okukala wa naini komaliko: Okukala wa naini kombinga yomaliko omashetu, nosho yo okulongifa oimaliwa yoye.
• Okukala wa naini komaliko: Okulongifa oimaliwa yoye opo u dule okuninga omalongifo omadana.

Ndele nande opoosa oya yambididwa unene, ovapululi vamwe ohava divike oupungwi, ngaashi okukala kwopaka, okulongifa kwopaka, nosho yo omikalo dokuloga. Ndele nande, omalongifo omalonga nomatongolwa opoosa oha i yambididwa unene. Ombanka yoWindhoek otai longifa okuhapula opoosa yayo opo i dule okulongela ovanhu aveshe.

Omahongo omhango, omahongo, nosho yo omafiku momalandifongonga

Ombanka yoWindhoek otai longifa omhango yokulongela onga ombanka yomaulikilalo konhombo yoBank of Namibia. Otai longifa omhango yokulongela onga ombanka yomaulikilalo konhombo yoBank of Namibia (BoN) osho sha ningwa pexulilo lomumvo 1998. Otai longifa omhango yokulongela onga ombanka yomaulikilalo konhombo yoBank of Namibia (BoN) osho sha ningwa pexulilo lomumvo 1998. Otai longifa omhango yokulongela onga ombanka yomaulikilalo konhombo yoBank of Namibia (BoN) osho sha ningwa pexulilo lomumvo 1998. Otai longifa omhango yokulongela onga ombanka yomaulikilalo konhombo yoBank of Namibia (BoN) osho sha ningwa pexulilo lomumvo 1998.

Omafiku momalandifongonga nooihuna:

Ombanka yoWindhoek oyo ombanka inini moNamibia, oya kwata oshainga shomalandifongonga osho shi li pokati koipambele 35.5% yomaliko noimaliwa yokupeka. Oya divike unene, noya monika onhapo kovakaleli vayo. Oya yambididwa unene kovakaleli vayo, nosho yo oya monika onhapo kovakaleli vayo. Oya kwatela mo ovakwatakanifwa ovakulupe ngaashi FNB Namibia, Standard Bank Namibia, Nedbank Namibia, nosho yo Letshego Bank. Ndele nande, Ombanka yoWindhoek otai yoolokana unene okuudja kovanhu vayo vaNamibia, nosho yo okulongifa omashina dokuyanda oimaliwa meenghedi davana ovanhu aveshe.

Otai longifa okuhapula okulongifa oukoka wounamapandja okuudja ko hashtag "#gobeyond" programme, nosho yo otai longifa okuhapula okulongifa oukoka wounamapandja okuudja ko hashtag "#gobeyond" programme. Otai longifa okuhapula okulongifa oukoka wounamapandja okuudja ko hashtag "#gobeyond" programme, nosho yo otai longifa okuhapula okulongifa oukoka wounamapandja okuudja ko hashtag "#gobeyond" programme. Otai longifa okuhapula okulongifa oukoka wounamapandja okuudja ko hashtag "#gobeyond" programme, nosho yo otai longifa okuhapula okulongifa oukoka wounamapandja okuudja ko hashtag "#gobeyond" programme.

Otai longifa okuhapula okulongifa oukoka wounamapandja okuudja ko hashtag "#gobeyond" programme, nosho yo otai longifa okuhapula okulongifa oukoka wounamapandja okuudja ko hashtag "#gobeyond" programme. Otai longifa okuhapula okulongifa oukoka wounamapandja okuudja ko hashtag "#gobeyond" programme, nosho yo otai longifa okuhapula okulongifa oukoka wounamapandja okuudja ko hashtag "#gobeyond" programme. Otai longifa okuhapula okulongifa oukoka wounamapandja okuudja ko hashtag "#gobeyond" programme, nosho yo otai longifa okuhapula okulongifa oukoka wounamapandja okuudja ko hashtag "#gobeyond" programme.

Omayele omulongwedi kovapululi vounamapanda

Ngeenge owa longifa oimaliwa okuudja kOombanka yoWindhoek, osha fimana okuninga omakwatakanifa omadana opo u dule okulongifa oimaliwa yoye nawa. Omayele amwe omulongwedi ota kwatela mo:

• Konakona nawa: Konakona oipambele yomaliko, omatoo, nosho yo eenghono dokushuna oimaliwa opo u dule okuninga eenghono odo da wana. Kunga okamonika ouyelele kombinga yoimaliwa yoye opo u dule okumona omakwatakanifa odo da wana.
• Yeleka omakwatakanifa: Yeleka omakwatakanifa okuudja koombanka dimwe moNamibia opo u dule okumona omakwatakanifa odo da wana.
• Konga ouyelele wa wana: Konakona ouyelele weemono dwoye nosho yo eenhapo dwoye opo u dule okukonga oimaliwa odo da wana.
• Longifa nawa opoosa yomongodi: Longifa opoosa yOmbanka yoWindhoek opo u dule okuninga omalongifo oimaliwa yoye nawa. Ngele owa mono oupungwi, konakona okukwatakanifa novakaleli vayo.
• Pula omakwatakanifa: Ngele owa longifa oimaliwa, konakona okukwatakanifa novakaleli vOmbanka yoWindhoek opo va dule okuyandja omakwatakanifa odo da wana.

Ombanka yoWindhoek otai kala ya naini unene kovakaleli vayo, nosho yo otai longifa okuhapula okulongifa oukoka wounamapandja opo i dule okulongela ovanhu aveshe. Okukala wa naini koipululwa osha fimana opo okukonga kwoye ku kale kwa wana.