Yazi futhi uqonde indlela yokwengamela izikweletu

INTATHELI YOMBELE

UKUCWILA ezikweletini ngenye yezinto ezibawumthwalo ezimalini kodwa ukuqonda indlela yokubhekana nazo kungaphucula isimo sakho somnotho. 

Akukhathaleki ukuthi yisikweletu se-credit card, imali oyibolekile noma yiphi enye imali oyikweletayo, into emqoka wukuqonda izinto ezihambisana nokubolekwa imali nokwazi amaqhinga afanele. 

Ake sibheke indlela ongalawula ngayo izikweletu zakho futhi ukusebenzise ngendlela ephusile ukuboleka imali.  

Qonda izinhlobo zezikweletu 

Isikweletu senza ukwazi ukuboleka imali noma ukuthola izimpahla okuba nesivumelwano sokuthi uzozikhokhela ngokuhamba kwesikhathi. Kunezinhlobo ezimbili zezikweletu okufanele uziqonde. Nazi: 

• Eyokuqala yizikweletu ezivikelekile, phecelezi, i-secured credit: Lezi yizikweletu eziba nesibambiso ezifana nemali oyibolekela ukuthenga umuzi noma imoto. Njengoba zivikelekile, imvamisa zibanenzalo encane.  
• Eyesibili yizikweletu ezingavikelekile, phecelezi, i-unsecured credit: Lezi yizikweletu ezifana nama-credit card, i-personal loan, okuwukuthi inzalo yazo ivame ukubaphezulu ngoba azinasibambiso.  

Ake senze isibonelo: Uma uboleka imali yokuthenga indlu, leyo ndlu yiyona eyisibambiso. Uma ungasakwazi ukusikhokhela isikweletu, okuboleke imali angakwazi ukuyidla indlu. Kepha uma uthatha isikweletu se-credit card, ayikho into obambise ngayo, nokungakho inzalo oyikhokhayo inkulu,  

Kunezinto ezimbalwa ezibhekwa ngabantu ababolekisa ngemali. Nazi ezinye:

• I-credit score: Loku kubanika isithombe sokuthi ufanelwe ukubolekwa kanjani imali esisuka emlandweni wakho nezikweletu.
• Umholo wakho: Uzokwazi kangakanani ukukhokhela isikweletu sakho uma kubhekwa umholo wakho.  
• Umlando wakho nezikweletu: Kubhekwa irekhodi lazo lezikweletu ezindala nokuthi wawuzikhokhela kanjani.   

Uma uthola amaphuzu amaningi uma kubhekwa i-credit score yakho, imvamisa loko kuhambisana nemigomo nemibandela engcono uma ubolekwa imali kuthathwa ngokuthi uzilawula kahle izikweletu zakho.  

Izindawo ongaboleka kuzo imali: Imali ungayiboleka ezinkampanini ezibhaliswe ngokusemthethweni njengamabhange, izinkampani zomshwalense nezinye izinkampani ezihlinzeka ngemali nama-informal lender. Kumqoka ukukhetha izindawo ezithembekile ukugwema ukukhokha inzalo ephezulu neminye imigomo engemihle.

Izindleko zokuboleka imali: Yimali ethe xaxa oyikhokha ngokuboleka imali. Ihlanganiswa yinzalo nenye imali oyikhokhayo nokuyiyona esho ukuthi zingakanani izindleko ozozikhokha ngokuboleka kwakho. Ukuqonda lezi zindleko kuyakusiza wenze isinqumo esiphusile uma uboleka imali, ngakho izindleko eziphelele zokuboleka imali zihlanganiswa yimali oyibolekayo, inzalo nenye imali oyikhokhayo.  

Yinini lapho isikweletu sisiza khona (kungaba esihle noma esimbi)?

Ukuthatha isikweletu akuhlale kuyisinqumo esimbi. Kukhona lapho kusiza khona njengezikhathi lapho: 

• Usuke utshala emfundweni: Ukuboleka imali yokufunda kungakusiza ufundele umsebenzi nokukubeka emathubeni amahle okuhola kangcono.  

• Ukuthenga indlu: Ukuboleka imali yokuthenga indlu kwenza utshale imali ezakhiweni, inani lazo elinganyuka ngokuqhubeka kwesikhathi.  

• Ukusungula ibhizinisi: Ukuboleka imali ozoyifaka ebhizinisini kungakunika imali ongakwazi ukuliqala noma ukulikhulisa ngayo, okungakunyusela imali oyingenisayo.

 Izindlela zokunciphisa izikweletu nokuzihlumelelisa

Ukukwazi ukulawula izikweletu kuhambisana nendlela yokuboleka ngendlela efanele, hhayi okungaphezu kwamandla akho nezindlela ongazisebenzisa ukunciphisa izikweletu nokuzihlumelelisa uma uzithola usucwile kakhulu ezikweletini.  

Izindlela zokunciphisa izikweletu:

• Ukuhlanganisa izikweletu: Ukuhlanganisa izikweletu ndawonye zibeyisikweletu esisodwa ngenzalo ephansi.  
• Ukuba nesabelomali: Ukwenza isabelomali esizokusiza ukhokhele izikweletu zakho, ususe izindleko ezingenasidingo ukuze uzobanemali ethe xaxa yokukhokhela izikweletu. 
• Imali yokugada ingozi: Wukonga imali ezobheka izimo eziphuthumayo ukugwema ukuthatha izikweletu uma kwenzeka kunezindleko eziqhamuka esikhaleni.

Isibonelo: Uma unama-credit card amaningi anenzalo ephezulu, ukuwahlanganisa abe yisikweletu esisodwa esinenzalo engaphansi kunganciphisa inzalo oyikhokhayo futhi kwenze kubelula indlela okhokha ngayo.

Amasu angakusiza usukumele eyokuphuma ezikweletini:

• Buyekeza izikweletu zakho: Zijwayeze ukubuyekeza umbiko wezikweletu zakho ukuqinisekisa ukuthi konke okushoyo kuyikona nokubheka izindawo okufanele uphucule kuzo. 
• Xoxisana nobakweletayo: Sebenzisana nobakweletayo ukwehlisa inzalo noma ukushintsha indlela izikweletu zakho ezimi ngayo.  
• Yibanomshwalense wokuvikela izikweletu: Ukuvikela uma ungasakwazi ukukhokha ngenxa yezimo ezingaphezu kwamandla akho njengokukhubazeka noma ukufa. 

Izindlela zokunciphisa/ukwengamela izikweletu ezikhona eStandard Bank

I-Standard Bank inezixazululo ezihlukene esiza ngazo amakhasimende azo ukubhekana nokunciphisa izikweletu: 

Ukulula isikhathi sesikweletu

Loku kukuvumela ukulula isikhathi sokukhokha isikweletu okukusiza ukukunciphisela imali oyikhokha nyanga zonke. Loku kungakwenza kubelula ukwengamela isabelomali sakho nyanga zonke ngokukuphungulela umthwalo. 

Ukhokhe imali osekweqe ngayo isikweletu sakho isikhathi esithe xaxa

Uma ungakwazi ukukhokha isikweletu sakho ngemali eseseqe ngayo, iStandard Bank iyakuvumela ukuthi leyo mali uyikhokhe ngokuhambisana nesikhathi esisele sesikweletu sakho kunokuthi uyikhokhe iyisamba. Loku kwenza imali okufanele uyikhokhe nyanga zonke ibengcono. 

Ikhefu lokukhokha 

Uma unikwa ikhefu ekukhokheni kusuke kuyisivumelwano sokuthi ume kancane ukukhokha isikwetu noma ingxenye yaso isikhathi esithile okusuke kuvunyelenwe ngaso. Uma sesidlulile leso sikhathi, uphinda uqhubeke nokukhokha. Loku kuyakusiza ukhokhe umoya, ubheke ezinye izidingo zemali ngaleso sikhathi.  

Ukuhlanganisa izikweletu 

Loku kukusiza uhlanganise izikweletu zakho zibeyisikweletu esisodwa ongakwazi ukusimela. Kungakusiza unciphise inzalo oyikhokhayo futhi kwehlise nemali oyikhokha nyanga zonke. Ngokuhlanganisa izikweletu zakho, wenze indlela ophatha imali yakho ngayo ibelula futhi cishe kunemali oyongayo ngezindleko zenzalo.  

Ngolwazi oluthe xaxa ngalezi zisombululo, ungangena e[Standard Bank Debt Care Centre](https://www.standardbank.co.za/southafrica/personal/products-and-services/customer-solutions/debt-care-centre).

Ngokuqonda nokuphatha ngendlela ephusile izikweletu zakho, ungaphucula isimo sakho sezimali.  
Sebenzisa nezinsiza ezikhona kwi-Standard Bank Mobile App ukukusiza ugade futhi uphathe imali yakho ngendlela efanele.