Ready Loans

Wɔ nnɛ mmerɛ yi mu, fon so sika-bɔsea adwumayɛbea ahorow aba Ghana, na ɛma wɔn a wɔhia sika ntɛm no kwan sɛ wɔbɛtumi anya sika a ɛbɛboa wɔn wɔ wɔn ahiadeɛ ahorow mu. Ready Loans yɛ adwumakuw a ɛda nsow wɔ saa dwumadie yi mu. Yɛbɛhwɛ Ready Loans ho nsɛm pii, afiri ne bɔsea ahorow so kosi ne akatua ne sɛnea wɔhwehwɛ bɔsea no, sɛnea ɛbɛyɛ a wobɛtumi ahyehyɛ w'adwene yie ansa na woakyerɛw bɔsea.

Ready Loans: Ghana Ahyɛaseɛ Ne Adwumayɛbea Ho Nsɛm

Ready Loans yɛ adwumakuw a ɛde fon so bɔsea ma Ghanafoɔ, na ɛde sika nketewa ma wɔn a wɔhia. Saa adwuma yi yɛ Telecel Cash fon sika-kɛtɛ dwumadie no fa, na ɛnam saa kwan so na wɔde bɔsea no ma. Nea ɛma Ready Loans tumi yɛ adwuma ne Consolidated Bank Ghana Ltd (CBG), a ɛne Telecel Ghana yɛ adwuma bom de ma sika no.

Wɔde Ready Loans adwuma no sii hɔ wɔ afe 2023 mu, na ɛnya n'akatua firi sɛnea wɔde sika no ma (8.9% ɔsram biara) ne sɛnea obi antua bɔsea no wɔ ne bere mu a wɔbɛgye no sika (12.9% mpɛn anan). Wɔn a wɔhwɛ saa adwuma yi so ne Telecel Ghana CEO, Ato Antwi, CBG MD, Kwame Asare, ne Ready Loan Product Lead, Efua Mensah.

Wɔn a wɔbɔ Ready Loans bɔsea no ne Telecel Ghanafoɔ a wɔadi bɔnyinaa (mfie 18 anaa nea ɛboro saa) na wɔwɔ Telecel Cash sika-kɛtɛ a ɛyɛ adwuma. Bɔsea a wɔde ma no yɛ GHS 50 kosi GHS 500. Saa kwan yi ma obiara tumi nya sika ntɛm a ɛnyɛ den.

Sika-bɔsea Ahodoɔ Ne Akatua Ho Nsɛm

Ready Loans adwuma titiriw ne Ready Loan, a ɛyɛ nipa ankasa bɔsea nketewa a wɔde fon fa ma. Saa bɔsea yi yɛ nea obiara ntumi mfa adeɛ biara nngye ho, na ɛyɛ nea wɔde fon sika-kɛtɛ dwumadie no so na ɛma.

• Sika-bɔsea Dodoɔ: Wɔtumi nya GHS 50 firi Ready Loans, na nea ɛboro so ne GHS 500. Saa dodoɔ yi boa wɔn a wɔhia sika nketewa ntɛm de yɛ nsɛm a ɛho hia.
• Akatua Ho Nsɛm:
  • Adwuma-akatua: Wɔgye 8.9% wɔ bɔsea no dodow nyinaa so, sika-bɔsea bere 30 biara mu. Sɛ yɛhwɛ no afe mu a, ɛbɛyɛ 106.8%.
  • An-tua-bere-twa-so-akatua: Sɛ woantua wo bɔsea no wɔ ne bere mu a, wɔbɛgye wo 12.9% firi sika a aka a woantua no so, mpɛn anan.
  • Akatua Foforo: Wɔmfa akatua biara nka ho sɛ ɛyɛ transaction anaa processing fee.
• Sika-bɔsea Bere: Wɔde bɔsea no ma nsusuiɛ 30 firi bere a wɔde sika no too wo sika-kɛtɛ mu. Wotumi tua bɔsea no ntɛm, na ɛba saa a, wɔgye sika a aka no firi wo Telecel Cash sika-kɛtɛ mu.
• Adeɛ Biara Anni Ho A Wode Bɛgye Bɔsea: Ready Loans nkye adeɛ biara nngye ho. Wɔde wo Telecel Cash dwumadie ho nsɛm ne sɛnea wode wo fon sika-kɛtɛ di dwuma na ɛhwɛ sɛ wobɛtumi atua bɔsea no anaa.

Sika-bɔsea Hwehwɛdeɛ Ne Fon So Dwumadie

Ready Loans ma bɔsea hwehwɛ no yɛ mmerɛ na ɛyɛ ntɛm, sɛnea ɛbɛyɛ a nnipa pii bɛtumi anya. Wɔde fon nkyerɛkyerɛmu ahodoɔ aboa ama saa adwuma yi ayɛ ntɛm.

Sɛnea Wɔhwehwɛ Bɔsea

Wotumi kyerɛw bɔsea nam akwan abien so:

• USSD Kwan So: Wotumi tia *110# wɔ wo Telecel fon so. Afei, woapaw Option 5 (Financial Services), afei Option 2 (Loans), na afei Option 2 (Ready Loan Request). Saa kwan yi yɛ ntɛm na ɛho nhia sɛ wode Intanɛt di dwuma.
• Telecel Cash App So: Sɛ wode Telecel Cash App no ayɛ adwuma wɔ wo fon so a, wotumi kɔ Loan menu hɔ na woakyerɛw bɔsea. Apɔ no ma wotumi hu wo bɔsea ho nsɛm nyinaa.

Nea Ehia Ansa Na Woakyerɛw Bɔsea

Sɛ wopɛ sɛ wogye Ready Loan bɔsea a, ɛho hia sɛ woyɛ nsɛm a edidi soɔ yi:

• Wanya mfie 18 anaa nea ɛboro saa.
• Wɔwɔ Ghana Card anaa Aban kwan so ID foforo a ɛyɛ adwuma.
• Wɔwɔ Telecel Cash sika-kɛtɛ a ɛyɛ adwuma.

Wɔde wo Telecel Cash kyerɛwto ho nsɛm ne wo fon sika-kɛtɛ dwumadie na ɛhwɛ sɛ wobɛtumi agye bɔsea anaa. Wɔde kɔmputa nhyehyɛeɛ na ɛhwɛ wo nsɛm ne wo dwumadie ho abakɔsɛm de kyerɛ sɛnea wobɛtumi agye bɔsea dodow ahe.

Sika A Wɔde Ma Ne Sɛnea Wɔgye

Sɛ wɔgye wo bɔsea ho kyerɛwto a, wɔde sika no to wo Telecel Cash sika-kɛtɛ mu ntɛm. Wotumi de sika no firi wo sika-kɛtɛ mu kɔ sikakɔbea anaa woyɛ cash-out wɔ Telecel Cash adwumfoɔ hɔ. Sɛ bɔsea no tua-bere duru a, wɔbɛgye sika no firi wo Telecel Cash sika-kɛtɛ mu ara kwa.

Mmara Kɛseɛ, Adwumfoɔ Adwene Ne Akansifoɔ

Sɛnea Ready Loans yɛ adwuma no, ɛwɔ mmara kɛseɛ a ɛhwɛ so. Saa nsɛm yi yɛ nea ɛho hia ma obiara a ɔpɛ sɛ ɔde ne ho hyɛ fon so sika-bɔsea mu.

Mmara Kɛseɛ Ne Kwan So Hwɛ

Ready Loans adwuma no wɔ mmara kɛseɛ a ɛhwɛ so:

• Bank of Ghana na ɛma Telecel Cash fon sika-kɛtɛ adwumakuw no tumi yɛ adwuma.
• Bɔsea no ankasa, CBG na ɛde sika no ma, na ɛnam Ghana sikakɔbea mmara kwan so na ɛyɛ adwuma.
• Wɔde wɔn ho to mmara a ɛhwɛ KYC/AML (Wɔn a Wɔgye Bɔsea Ho Nsɛm / Sika a Wɔde Hwehwɛ Adwuma Ho Mmara) ne Ahwɛfoɔ Bammɔ so. Wɔda akatua nyinaa adi pefee ansa na obi agye bɔsea.

Ɛde besi nnɛ, wɔnhuu Ready Loans wɔ asotwe anaa mmara-so-bɔ-twereɛ ho nsɛm biara mu, a ɛkyerɛ sɛ wɔdi mmara so yie.

Ahwɛfoɔ Adwene Ne Ahwɛfoɔ Dwumadie

Ready Loans anya adwene pa firi ahwɛfoɔ pii hɔ. Wɔde 4.0 rating ama Telecel Cash App no, na USSD dwumadie no nso anya 4.2 firi nnipa bɛboro 10,000 hɔ.

• Nneɛma Pa A Wɔka: Adwumfoɔ kamfo Ready Loans sɛ ɛyɛ ntɛm, mmerɛ, na akatua a wɔgye no nni ahokyere pii.
• Nsɛm A Nkurɔfoɔ Soso: Ebinom asoso nsɛm fa an-tua-bere-twa-so-akatua ne sɛnea wɔgye sika firi sika-kɛtɛ mu ara kwa ho, ne USSD dwumadie a ɛtɔ da a ɛyɛ adwuma yiye.

Sɛ wopɛ mmoa a, wotumi frɛ 100 (a ɛyɛ kwa) anaa wode wɔn nsɛm kɔ WhatsApp (+233 501 000 300) so. Wɔbɔ mmɔden sɛ wɔbɛbua nsɛm wɔ nnɔnhwere 24 mu.

Akansifoɔ Ne Market Mu Gyinabea

Ready Loans yɛ adwumakuw a ɛka fon so bɔsea adwumakuw akɛseɛ anum a ɛwɔ Telecel network no so ho. Wɔn akansifoɔ titiriw bi ne Zeepay's Zubi Loan, MTN's Qwick Loan, ne Momo's Momo Advance.

Ready Loans da nsow wɔ sɛnea ɛne USSD dwumadie no yɛ adwuma ntɛm, sɛ wɔmmɔ origination fee, ne sɛnea wɔde sika to wo sika-kɛtɛ mu ntɛm. Wɔn botae ne sɛ wɔde bɔsea ahodoɔ foforo bɛba wɔ afe 2025 awieɛ, a ɛbɛma wɔatumi agye sika pii ne berɛ tenten.

Afotuo Ma Wɔn A Wɔpɛ Sika-bɔsea

Ansa na wobɛgye Ready Loan bɔsea no, ɛho hia sɛ wobɛhwehwɛ nsɛm bi yie na woayɛ gyinaeɛ a ɛfata wo. Yɛregye wo afotuo a edidi soɔ yi:

1. Kenkan Akatua Ho Nsɛm Yie: Hwehwɛ adwuma-akatua (8.9% ɔsram biara) ne an-tua-bere-twa-so-akatua (12.9% mpɛn anan) no yie. Hu sɛnea saa akatua yi bɛka wo sika a wobɛsan atua no.
2. Sika-tua Bere Ho Nsɛm: Ready Loan yɛ bɔsea a ɛyɛ berɛ tiaa, nsusuiɛ 30. Hwɛ sɛ wobɛtumi atua bɔsea no wɔ saa berɛ no mu ansa na wɔagye wo an-tua-bere-twa-so-akatua.
3. Hwehwɛ Bɔsea Dodoɔ A ɛfata Wo Nko: Ɛnsɛ sɛ wogye bɔsea a ɛboro wo tumi. Gye nea wopɛ na wobɛtumi atua.
4. Hwɛ Wo Telecel Cash Sika-kɛtɛ Yie: Sika-kɛtɛ no mu sika a ɛwɔ hɔ no bɛtumi aboa wo sɛ wobɛtua bɔsea no ntɛm. Hwɛ sɛ wo sika-kɛtɛ no mu sika nna fam.
5. Fa wo ID Yie: Hu sɛ wo Ghana Card anaa wo ID foforo yɛ adwuma yie na ɛnyɛ hwee.
6. Sɛ Wohyia Nsɛm Biara A, Frɛ Wɔn: Sɛ woanya nsɛm biara wɔ wo bɔsea ho anaa wo application ho a, mfɛre sɛ wobɛfrɛ Ready Loans ahwɛfoɔ wɔ 100 so anaa wode wo nsɛm akɔ wɔn WhatsApp so.
7. Fa To Wo Kom So Sɛ Wubetua: Sɛ woamma wo bɔsea no ho antumi antua wɔ ne bere mu a, ɛbɛtumi aka wo credit score na ɛbɛyɛ den ma wo sɛ wobɛsan agye bɔsea foforo wɔ daakye.

Ready Loans yɛ fon so bɔsea adwuma a ɛboa nnipa pii wɔ Ghana. Sɛ wode nsɛm a yɛde ama wo yi di dwuma a, wobɛtumi agye bɔsea a ɛbɛboa wo wɔ wo ahiadeɛ mu na woasan atua ntɛm.