Zikhona izindlela zokushintsha igama elibi lokukweleta – FNB
YINTATHELI YOMBELE
ABANTU abaningi baseNingizimu Afrika bakuthola kunzima ukuthola izikweletu noma ukuboleka imali ngoba abakaze babenezikweletu, abanye abazitholi ngenxa yamaphutha abawenza asengcolise igama labo lokukweleta.
Ukuthola isikweletu kwesinye isikhathi kungaba yinto embi kodwa zikhona izindlela zokuzakhela igama elihle.
Inhloko ye-Credit Card Product eFNB uMnu uThabiso Tshabalala ithi wonke umuntu angazakhela igama elihle lokukweleta ngokuthatha izinqumo eziphusile.
“Ukwenza isikweletu uma kwenziwa ngendlela efanele kusiza ukufundisa abantu, ukuthi bazimele nokuthi bafeze izidingo zabo ezihlukene. Kubalulekile ukuthi umuntu azakhele igama elihle lokukweleta ngoba ukungabinomlando wokuthi ukhokha kanjani uma unesikweletu kubuye kukuvimbe ezintweni ezithile,” kusho yena.
FUNDA NALAPHA: https://www.umbele.co.za/2025/11/25/abahola-kancane-basebenzisa-u-92-ukukhokhela-izikweletu-ucwaningo/
Amasu ayisikhombisa angasetshenziswa yizitshudeni nabantu abahola kancane noma wubani ofuna ukuzakhela igama elihle lokukweleta:
1) Yazi umlando wakho wokukweleta
Umlando wokukweleta wumbiko okhombisa ukuthi uyiphatha kanjani imali. Ukhombisa ukuthi uziphatha kanjani uma uboleke imali. Ababolekisa ngemali basebenzisa wona ukubona ukuthi bangakuthemba yini ngemali yabo.
Ukhombisa amabhange, izitolo nofuna ukuboleka kubona ukuthi ukhokha ngesikhathi, ukweleta malini nokuthi uyakwazi yini ukuphatha imali onayo.
Noma ngabe ungakaze ube ne-credit card noma uboleke imali noma uzama ukulungisa igama lakho elingcolile, ungaba nesikweletu esincane esingabeki imali yakho engcupheni, esizokhombisa ukuthi izinto zakho uzikhokhela ngesikhathi.
2) Qala kancane ngobuchule
Kubalulekile ukuthi uzibhekisise izikweletu ozithathayo, ungavele nje uvule ikhadi esitolo noma uthathe i-personal loan. Isikweletu kufanele sibenenhloso yokukusiza ukuthi uguqule impilo yakho, ukwazi ukusimama. Lapha kubalwa imfundo nezinye izinsiza ezizokwenza ukuthi ukwazi ukuzimela noma ukuzingenisela imali.
Akufanele isikweletu sibeyinto ekumpintshayo. Ungaba ne-credit card ebolekisa imali encane ozokwazi ukuyikhokhela. Abantu abahola kancane nezitshudeni bathatha ama-credit limit agcina kuR1 000 bese bekhula kusukela lapho.
3) Khokha ngesikhathi esinqunyiwe njalo
Umlando wokukhokha ubalulekile uma uzakhela igama. Ukungakhokhi kanye noma inyanga eyodwa kungashintsha igama lakho. Kufanele ukhokhe ngesikhathi esinqunyiwe noma wokuncane nje.
Kukhombisa ukuthi uwumuntu othembekile, ongakubalekeli okufanele akwenze. Kubalula uma wenze i-debit order ukuze imali iziphumele kwi-akhawunti yakho iye lapho kufanele iye khona ngesikhathi.
4) Ungayisebenzisi yonke imali oyibolekiwe
Ukuyisebenzisa yonke imali oyibolekiwe ngenyanga kukhombisa ukuthi usuphila ngesikweletu. Zama ukusebenzisa engaphansi kohhafu. Uma ubolekwe uR2 000, zama ukuthi ungasebenzi imali engaphezulu kukaR1 000. Loku kukhombisa ukuthi yakwazi ukuzilawula. Amabhange ayakuhlomulisa ngaloku.
5) Gwema ukuqala ukukweleta ngamakhadi asezitolo
Amakhadi asezitolo kubonalakala kulula ukuwathola kodwa avamise ukubanenzalo ephezulu futhi awabasizi abantu ukufeza izinhloso ezizoguqula impilo yabo.
Abantu abaningi abasha eNingizimu Afrika bavamise ukuqala izikweletu ngamakhadi ezitolo bese bethola ukuthi bakhokha inzalo enkulu kunabayilindele. I-credit card yona ihlukile ngoba konke ikuveza obala futhi inemihlomulo eminingi ngokuhamba kwesikhathi uma uyiphethe kahle.
Indlela oyikhokhela ngayo iyasiza uma usuthenga umuzi noma usuwenza ezinye izinto ezinkulu. Kubalulekile ukuthi izitshudeni zibe nezikweletu ezihambisana nemfundo yazo ezitholakala digitally sinazo nezifundo ezingazisiza kuma-app ethu.
6) Yiba nemikhuba emihle yokukweleta zisuka nje
Ukuzakhela igama elihle lezikweletu akusho nje ukuthi kufanele ukwelete njalo kodwa kusho ukuthi kufanele uyihlelele kahle imali nempilo. Kufanele uwubheke njalo umbiko wakho wezikweletu, uzikhokhele ngesikhathi esinqunyiwe nangemali okuvunyelwene ngayo futhi ugweme nokuboleka imali njalo.
Ukuphatha kahle imali kusho ukuthi uyakwazi ukuthola inzalo enhle uma usufuna ukuthenga imoto, umuzi nokunye okuzokusiza ngomuso.
7) Uma uke wabanezinselelo kufanele uqale phansi
Uma uke wahluleka ukukhokha, ungakhathazeki. Qinisekisa ukuthi ulakha kabusha igama lakho ngokusebenzisa imikhiqizo engabeki engcupheni igama labo.
Okuhle wukuthi uma ukweleta usuziphatha kahle kubanemihlomulo oyitholayo. Izinyanga eziyisithupha zokukhokha ngendlela zenza ukuthi amabhange akubuke kahle, abone ukuthi kwakwenzeke iphutha. Ukwakha igama elihle kusho ukwenza into elindeleke kuwena ngaso sonke isikhathi.
“Isikweletu kufanele sikwakhele igama elihle, sihloniphe, usisebenzisele ukuthi sikuvulele amathuba okuguqula impilo yakho. Kufanele ubenezinhloso ezicacile,” kuphetha uTshabalala.