Fframwaith Cymhwysedd: benthyca
Parthau Gwybodaeth Dechnegol
3. Benthyca
Mae'r parth hwn yn ymwneud â materion sy'n ymwneud â benthyg, gan gynnwys: prif ffynonellau credyd a benthyg; benthyca arian anghyfreithlon ac anffurfiol; benthyg gwarantedig a heb eu gwarantu; costau benthyg; sgoriau credyd a hanes credyd; prynu cartref; sgamiau. Mae'r parth yn cynnwys haenau 1 a 2 yn unig.
Mae’n bwysig eich bod yn ymwybodol o lle mae’r ffiniau rheoledig ac nad ydych yn mynd y tu hwnt iddynt (cyfeiriwch i Adran D ‘Ffiniau’r gwasanaeth a’ch rôl chi’ ar disgrifiad o gyngor). Dylai'r arweiniad ddarparu gwybodaeth a/neu opsiynau ar gyfer dewis dull benthyca i gwsmeriaid (e.e. cerdyn credyd, benthyciad ac ati) heb wneud argymhelliad penodol.
- Tier 1
- Tier 2
- Tier 1
- Tier 2
| 3.1.1 | Ymwybyddiaeth o’r prif ffynonellau o gredyd a benthyca (e.e. banciau, Undebau Credyd) a’r gwahaniaethau rhyngddynt. |
| 3.1.2 | Ymwybyddiaeth o ffynonellau benthyca arian anghyfreithlon neu anffurfiol, fel benthycwyr arian didrwydded, teulu a ffrindiau |
| 3.1.3 | Ymwybyddiaeth o’r ffynonellau o gredyd fforddiadwy sydd ar gael i’r sawl sydd â hanes credyd gwael. |
| 3.1.4 | Ymwybyddiaeth o sut i weithio allan y costau sy'n gysylltiedig â benthyca |
| 3.15 | Ymwybyddiaeth o'r broses o brynu cartref (e.e. sicrhau morgais; prisio ac arolygon; symud cartref ac ati) |
| 3.1.6 | Ymwybyddiaeth o'r broses o brynu cartref (e.e. sicrhau morgais; prisio ac arolygon; symud cartref ac ati) |
| 3.1.7 | Cyfeirio cwsmeriaid at ffynonellau priodol o wybodaeth am fenthyciadau a chynhyrchion eraill, gan gynnwys safleoedd cymharu prisiau |
| 3.1.8 | Ymwybyddiaeth o sgamiau a beth i’w wneud os yw cwsmer wedi bod yn destun i sgam |
| 3.1.1 | Awareness of the common types of debt on which customers typically seek advice and guidance (e.g. credit cards, loans, council tax/rates etc.) |
| 2.1.2 | Awareness of the difference between priority and non-priority debts |
| 2.1.3 | Awareness of the likely triggers for debt |
| 2.1.4 | Awareness of reasons why individuals might seek out loans from illegal or dubious source such as loan sharks, family and friends and typical issues this can cause |
| 2.1.5 | Determine if customers are managing to keep up with payments, if they cannot cope, or if there is an urgent situation (e.g. enforcement agents) |
| 2.1.6 | Signpost or refer customers to appropriate local and national organisations that provide advice and guidance on debt issues and sources of support |
| 2.1.7 | Support customers in accessing online portals and using toolkits, which might include completing information on their behalf |
| 2.1.8 | Provide factual information in response to specific, targeted questions (e.g. describing a debt management plan; individual voluntary arrangement etc.) |
| 2.1.9 | Awareness of scams and what to do if a customer has been the subject of a scam |
- Tier 1
- Tier 2
| 3.2.1 | Gwybodaeth am sut mae benthyciadau gwarantwr yn gweithredu |
| 3.2.2 | Gwybodaeth am sgoriau credyd, sut y gellir effeithio arnynt (gan gynnwys sut y gellir eu gwella) a sut y cânt eu defnyddio |
| 3.2.3 | Gwybodaeth am sut i gywiro gwybodaeth anghywir ar ffeil credyd |
| 3.2.4 | Gwybodaeth o’r prif ffynonellau o gredyd a benthyca (e.e. banciau, Undebau Credyd) |
| 3.2.5 | Gwybodaeth am y mathau o gynhyrchion sydd ar gael i unigolion sydd â hanes credyd gwael |
| 3.2.6 | Gwybodaeth am ffynonellau arweiniad ar gyfer cyfrifo llog ac ad-daliadau, fel cyfrifianellau ar-lein |
| 3.2.7 | Gwybodaeth am asiantaethau a sefydliadau cyfeirio credyd |
| 3.2.8 | Gwybodaeth am sut i ddefnyddio safleoedd cymharu prisiau, cyfrifianellau ac offer eraill, a chynghori cwsmeriaid ar eu defnydd |
| 3.2.9 | Gwybodaeth am y costau nodweddiadol sy'n gysylltiedig â symud cartref (e.e. symud, storio; dodrefn ac addurniadau ac ati) |
| 3.2.10 | Gwybodaeth am y costau ymlaen llaw a pharhaus sy'n gysylltiedig â pherchnogaeth cartref (ffioedd cyfreithiol; treth stamp/treth trafodiadau tir; cynnal a chadw ac ati) |
| 3.2.11 | Gwybodaeth am y ffactorau sy'n cael eu hystyried gan fenthycwyr wrth wneud cynnig morgais |
| 3.2.12 | Gwybodaeth am gynlluniau prynu cost isel y Llywodraeth ac eraill a chynlluniau 'chynorthwyo i brynu'/perchogaeth a gynorthwyir (gan gynnwys perchenogaeth wedi'i rannu) |
| 3.2.13 | Gwybodaeth am y gwahanol fathau o forgeisi (e.e. llog yn unig; cyfradd newidiol; traciwr ac ati) |
| 3.1.1 | Awareness of the common types of debt on which customers typically seek advice and guidance (e.g. credit cards, loans, council tax/rates etc.) |
| 2.1.2 | Awareness of the difference between priority and non-priority debts |
| 2.1.3 | Awareness of the likely triggers for debt |
| 2.1.4 | Awareness of reasons why individuals might seek out loans from illegal or dubious source such as loan sharks, family and friends and typical issues this can cause |
| 2.1.5 | Determine if customers are managing to keep up with payments, if they cannot cope, or if there is an urgent situation (e.g. enforcement agents) |
| 2.1.6 | Signpost or refer customers to appropriate local and national organisations that provide advice and guidance on debt issues and sources of support |
| 2.1.7 | Support customers in accessing online portals and using toolkits, which might include completing information on their behalf |
| 2.1.8 | Provide factual information in response to specific, targeted questions (e.g. describing a debt management plan; individual voluntary arrangement etc.) |
| 2.1.9 | Awareness of scams and what to do if a customer has been the subject of a scam |
Hyfforddiant a chymwysterau
Darganfyddwch am hyfforddiant allanol am y parth benthyca.
Cam nesaf: gwirio fy hyder nawr
Pan rydych yn gyfarwydd â’r Fframwaith Cymhwysedd Arweiniad Arian, gan gynnwys y ffiniau wrth roi arweiniad arian, rydych yn barod i gymryd eich help ymhellach. Darganfyddwch ba mor hyderus ydych chi am eich sylfeini arweiniad, a chewch awgrymiadau ac adnoddau i’ch helpu i adeiladu eich sgiliau a gwybodaeth.