Kubalulekile ukuqonda amatemu ezikweletu – umeluleki

YINTATHELI YOMBELE 

ISIKWELETU siyingxenye yempilo yabantu ngoba abaningi ngeke bakwazi ukuthenga imizi, izimoto nokukhokhela imfundo yezikhungo eziphakeme ngaphandle kwaso.

Yize kunjalo kodwa abantu abawaqondi amatemu athile ahambisana nokukweleta. Ulwazi ngamatemu abalulekile okukweleta luseluncane yize imithetho yezikweletu i-National Credit Act ne-Consumer Protection Act ithi yonke imininingwane ethinta izikweletu zabantu kufanele ichazwe ngolimi abaluzwayo nabaluqondayo, kungabinemicikilisho eminingi.

Inhloko yenkampani eluleka abantu ngezikweletu iDebt Busters uMnu uBenay Sager ithi abantu abasebenza ngemali bazitshela ukuthi abantu bayaqonda wonke amatemu athinta izikweletu nezimali. 

“Akusiko ukuthi ababolekisa ngemali bazama ukudida amakhasimende abo ngenhloso kodwa bakholwa wukuthi ulimi olusetshenziswa yimboni kulula ukuluqonda. Amakhasimende ayasaba ukubuza loko angakuqondi,” kusho yena.

FUNDA NALAPHA: Yazi futhi uqonde indlela yokwengamela izikweletu

Uthe kunamatemu abalulekile okufanele abantu bawaqode ukuze kubelula ukwenza izinqumo uma bekweleta. Nanka:

1) I-credit score:

I-credit score ngamaphuzu akhiwe izinombolo ezintathu achaza ngesimo somuntu sezikweletu. Ama-credit bureau athatha imininingwane yomuntu yokukweleta nokukhokha bese ehlanganisa ulwazi oluchaza ukuthi uzikhokhela kanjani izikweletu. Lolo lwazi lube selukhipha izinombolo ezakha i-credit score esiza abakweletisayo ukuthi bakweletele umuntu nokuthi bazomkhokhisa malini ngokomlando anawo wokukhokha izikweletu.

Uma umuntu enomlando omuhle wokukhokhela izikweletu unikwa amaphuzu aphezulu okumbeka emathubeni amahle okuthola izikweletu nokukhokha inzalo ephansi.

Onomlando omubi unikwa amaphuzu amancane, okunciphisa amathuba okuthola isikweletu noma okumenza akhokhe inzalo enkulu. Abantu bayakwazi ukuthola ama-credit score abo mahhala kanye ngonyaka kuma-credit bureau ahlukene noma online ngokungena kwi-website ethi www.justmoney.co.za 

2) I-interest rate

Yimalimboleko noma inzalo yokukweleta. Uma umuntu enza isikweletu ubalelwa iphesenti elikhombisa ukuthi inzalo azoyikhokha izoba yimalini esikweletini sakhe. Inzalo iyehla noma inyuke ihambisana nemalimboleko.

Abantu kufanele baqaphele ngoba inzalo iyakwazi ukuthi umuntu eyenze ime ndawonye iminyaka ethile, ngakho kufanele abuze ukuthi ingaloku inyuka noma yehla. 

_{USager uthi kulula ukuthi ababolekisi bacabange ukuthi amakhasimende aqonda amatemu emali}

3) I-debt to income ratio

Lapha kusuke kuqhathaniswa umholo womuntu noma imali emngenelayo nezikweletu azikhokhelayo. Uma ingxenye eningi yomholo iya ezikweletini kubizwa nge-high debt to income ratio. Yenza ukuthi okweletayo kungabilula ukuthola athole isikweletu. 

4) I-secured and unsecured credit 

Yisikweletu esinesibambiso nesingenaso. I-secured credit isho ukwenza isikweletu ubambisa ngokubalulekile, okungabawumuzi noma imoto engadliwa uma kwenzeka ehluleka wukukhokhela isikweletu sakhe. I-unsecured credit yisikweletu esinganasibambiso, okungaba ama-personal loan noma ama-credit card.

Lolu hlobo lwezikweletu luhambisana nenzalo ephezulu ngoba osuke ekweletisa usuke engenanto azoyibamba uma umuntu ngasakhokhi kahle.

5) Ama-arrears 

Yimali enqwabelana ngenxa yokungakhokhi kahle nyanga zonke. Isibonelo uma ikhasimende lingakhokhanga inyanga eyodwa noma eziningana. Kwenza umuntu abenomlando omubi wezikweletu, kuholele nasekutheni ahlawuliswe noma athathelwe izinyathelo zomthetho. 

“Kubalulekile ukuthi umuntu awaqonde wonke la matemu uma efaka isicelo sokukweleta. Okubaluleke kakhulu wukuthi umuntu angasayini isivumelwano sesikweletu angasiqondi kahle.

“Uma ungabaza, buza. Okukweletelayo kufanele akuchazele kabanzi, achaze nangamalungelo akho nokulindeleke kuwena,” kucebisa uSager.