Okumqoka okufanele ukubheke uma uthatha isikweletu
YINTATHELI YOMBELE
UKUKWAZI ukuthola isikweletu kungavula amathuba amaningi kubalwa ukukwazi ukuphanta, ukulungisa umuzi wakho nokuqhuba imfundo imbala.
Nokho ukwenza isikweletu kusaqhubeka nokubiza ngenxa yokukhuphuka kwamandla emalimboleko. Kulesi sikhathi esinzima ngokomnotho, kuyalwa abantu ukuthi bahlome ngolwazi olufanele ngaphambi kokuthatha isikweletu, isibonelo nje ukuthi inzalo yemalimboleko inamuphi umphumela ekubolekeni imali emabhange.
I-operations manager yeFNB Consumer Education uNks uPearl Cele uthi: “Isikweletu yisivumelwano sokuboleka imali noma ukuthenga izimpahla noma into ethile ngesithembiso sokukhokha ngesinye isikhathi, sekunenzalo. Inzalo ikabili; iyimali oyitholayo uma ubeka imali noma iyimali oyikhokhela ukuboleka imali.”
Loko kuchaza ukuthi lapho oboleka khona, kungaba yisebhange noma esikhungweni sezimali, bakukhokhisa enye imali ngaphezu kwaleyo oyibolekile noma ngokuthenga ngesikweletu. Ngaphezu kwenzalo kuba nenye imali okudingeka uyikhokhe ukuthi unesikweletu. Le mali ibizwa ngezindleko zesikweletu noma zokuboleka imali.
Izinhlobo zezikweletu:
- Ukuboleka: Lapha uboleka imali kumbolekisi noma esikhungweni semali, okungaba yibhange, bese ukhokha imali oyibolekile ngesikhathi onqunyelwe sona. Ukuboleka imali kungaba yisikhathi esifishane noma eside.
Isikweletu sesikhashana kuvame ukuba yimali encane nesheshe ikhokheke, njenge-personal loan. Ukuboleka imali kwesikhathi esifishane.
Ukuboleka imali isikhathi eside kujwayele ukuba yimali enkulu njengokukhokhela imoto noma indlu. Lesi sikweletu side, isibonelo nje eseminyaka emihlanu ukhokhela imoto noma iminyaka ewu-20 ukhokhela indlu.
- Amancozuncozu
Kulapho isitolo sikuvumela ukuthi uthathe impahla ethile, kungaba yizimpahla zokugqoka, yifenisha nokunye, ngesikweletu kodwa uhlale ukhokhela lezo zimpahla ngamancozuncozu isikhathi onqunyelwe sona. Kujwayeleke ukuthi unikwe isilinganiso senani lempahla ongakwazi ukuyithenga bese ukhokha njalo ngenyanga.
Esinye isibonelo sokukhokhela i-akhawunti mancozuncozu ukuthi kubenemali oyikhokhayo phambili noma isitolo sikuvumele uthathe into ethile bese uyikhokhela mancozuncozu. Lolu hlobo lwesikweletu ungalusebenzisa ukuthenga ifenisha nezimpahla zikagesi zasendlini, kokunye iselula.
Izikhungo ezibolekisa ngemali zike zisebenzise itemu elithi i-revolving credit, uhlobo lwesikweletu olukuvumela ukuthi uboleke isamba esithile semali, uyikhokhe bese uphinda uboleka kanti inzalo ngeyemali oyibolekayo. Isibonelo salesi sikweletu yi-credit card, imali okwazi ukuphinda uyiboleke nekhadi lokuthenga ezitolo. Ngokujwayelekile lolu hlobo lwesikweletu luyabiza ngenxa yokuthi lunenzalo enkulu futhi akulula ukuluthola.
- Isikweletu esivikelekile. Lolu wohlobo lwesikweletu lapho ibhange noma umuntu okuboleka imali ethatha impahla yakho ethile ngesikweletu akunika sona, okungaba wukubambisa ngemoto noma umuzi wakho. Umuntu oboleka imali ngale ndlela kumele avumele ibhange ukusebenzisa impahla yakhe ukuthi ibhange lingayisebenzisa. Isibonelo salolu hlobo lwesikweletu kungaba yisikweletu somuzi noma semoto. Uma kwenzeka umuntu othathe isikweletu ehluleka wukusikhokha ibhange noma umuntu ombolekile unelungelo lokudla izimpahla zakhe ukuvala leso sikweletu.
- Isikweletu esingavikelekile. Wuhlobo lwesikweletu lapho ibhange noma umuntu okubolekayo noma okukweletelayo engathathi sibambiso, kunaloko wethemba ukuthi uzokhokha isikweletu. Ukuze akuboleke, ubheka igama lakho noma irekhodi lokukweleta. Isibonelo sesikweletu esingavikelekile yi-credit card, i-personal loan nezikweletu zesikhashana.
“Nakuba zikhona ezinye izinhlobo eziningi zezikweletu ezingasiza ukwehlisa umthwalo wezimali, sikhuthaza amakhasimende ukuzihlomisa ngolwazi olusiza njengalolu ngaphambi kokuthatha noma luphi uhlobo lwesikweletu, siwakhuthaza ukuthiangaboleki imali engaphezu kwayidingayo futhi aboleke ngobuqotho,” kuphetha uNks uCele.