Kwehlisa umthwalo ukuhlanganisa izikweletu
YINTATHELI YOMBELE
UCWANINGO lwenkampani esiza abacwile ezikweletini iDirect Axis luveza ukuthi abantu baseNingizimu Afrika bakweleta uR2.56 trillion futhi basele emuva ngezinyanga ezintathu kuma-akhawunti abo angaphezu kuka-370 000.
Yingenxa yaloku ithi abantu abanezikweletu kufanele basheshe bafune usizo ukuze bakwazi ukuzihlanganisa bakhokhe imali eyodwa, esikhundleni sokukhokha amancozuncozu ezikweletini ezihlukene.
Inhloko yemikhiqizo eDirect Axis uMnu uGavyn Letley ithi kunendlela eyehlisa umthwalo yokukhokha izikweletu kubantu abacwile ezikweletini okuthiwa yi-debt consolidation.
Le ndlela isho ukuhlanganisa izikweletu zomuntu ukuze akwazi ukukhokha imali eyodwa ezikhokhela zonke.
Loku kwehlisa umthwalo emahlombe omuntu oxakwe yizikweletu eziningi ngoba kwehliswa imali abeyikhokha nyanga zonke uma sezihlanganisiwe.
FUNDA NALAPHA: https://www.umbele.co.za/?s=Izikweletu
Ukuze umuntu enze i-debt consolidation kufanele akhulume nenkampani esiza abantu ababishe ezikweletini nezinye izikhungo ezibolekisa ngemali.
Okuhle ngayo:
1) Ukhokha imali eyodwa: Esikhundleni sokukhokhela isikweletu ngasinye ngasinye, uyakwazi ukuthi ukuze ukhokhe imali eyodwa. Loku kwenza impilo ibelula, kukusize ukuthi ungeqiwa yizinyanga.
2) Kwehla inzalo: Ukuhlanganisa izikweletu kwehlisa inzalo ezikweletini zakho. Lapha kubalwa izikweletu zesikhashana njengezasezitolo nama-credit card. Kufanele ukhumbule ukuthi uzobe ukhokha isikhathi eside.
3) Ukwazi ukusala nemali: Ukwehlisa imali oyikhokhayo kusho ukuthi izikweletu ngeke ziyidle yonke imali yakho. Okusho ukuthi ungasebenzisa leyo mali ukushesha uqede ukukhokha isikweletu noma uyonge.
4) Uyonga: Kuyaziwa ukuthi izikweletu zihambisana nezindleko okubalwa ama-service fee nomshwalense wempilo. Lo mshwalense yiwona okhokhela inkampani umuntu asuke eyikweleta uma kwenzeka efa noma ehluleka wukukhokha isikweletu ngenxa yezizathu ezithile. Ukuhlanganisa izikweletu kuyakusiza ukuthi wonge ezindlekweni zomshwalense nezinye ezihambisana nokukweleta.
5) Isikhathi esicacile sokuqeda ukukhokha: Ukuhlanganisa izikweletu kuyakusiza ukuthi wazi ukuthi ngesikhathi esithile uzobe usuqedile ukukhokhela isikweletu.
6) Ushesha ukuvala ama-akhawunti anenzalo eningi: Uma izikweletu zakho sezihlanganisiwe, uyakwazi ukwehlisa inzalo enkulu nokugwema ukuboleka kakhulu ngomuso.
Inhloko yemikhiqizo esiza ukululeka abantu eFNB uNks u-Ester Ochse uthi ukuhlanganisa izikweletu akusho ukulawula indlela okhokha ngayo kodwa kusiza ukunika umthengi amandla.
“Ukuhlanganisa izikweletu kwehlisa umthwalo, kukusize ukuthi ukwazi ukuphefumula. Kuyisikhathi sokuthi ubone ukuthi imali yakho uyisebenzisa kanjani, uhlelele nekusasa,” kusho yena.
Uthi ukuhlanganisa izikweletu kuhambisana nezeluleko zokusebenzisa kahle imali nokonga.
U-Letley uthi kuningi okuhle ngokuhlanganisa izikweletu kodwa abantu kufanele bakhumbule ukuthi akunciphisi imali abasuke beyikweleta.