Imali eyisigaxa iyithuba lokwakha ingcebo ezohlala – umeluleki
YINTATHELI YOMBELE
KUBANTU abaningi abasha baseNingizimu Afrika, ukuthola imali eyisigaxa, kungaba eyefa, isipho esivela emndenini noma ukuwina umklomelo, kungasheshisa ukufezeka kwezinhloso ezinkulu zezimali nezinto odinga ukuzenza. Nokho, ngaphandle kohlelo olucacile, imali eyisigaxa ingaphelela esandleni esikhundleni sokuthi ibeyindlela yokwakha umcebo ozohlala.
Njengoba intsha eningi igxile ekuzimeleni ngokwezimali nasekwakheni ingcebo yesikhathi eside, abantu abasanda kubabadala bakhuthazwa ukubuka imali eyisigaxa hhayi njengemali yokusaphazwa kodwa njengesisekelo sekusasa labo ngokwezimali.
Inhloko ye-KZN Regional Private Banking eFNB uNks Yashika Rambujan, uthi: “Elinye lamaphutha amakhulu enziwa ngabantu abasandakubabadala wukuthatha imali imali eyisigaxa njengento esho ukushintsha indlela abaphila ngayo ngokushesha.
“Intsha eningi ifisa ukubanemizi, imoto entsha noma ukuvakashela kwamanye amazwe. Nakuba imali eyisigaxa ingenza lezi zifiso zifezeke ngokushesha kodwa kubalulekile ukuthi kuqala ucacise izinhloso zakho zezimali. Izinqumo ezithathwa ezinyangeni zokuqala zingabanomphumela omkhulu esimweni sakho sezimali sangomuso,” kusho yena.
UNks uRambujan kubalulekile ukwazi izifiso zakho zemali
UNks uRambujan ucebisa ngamasu amahlanu okudingeka uwabheke uma uthola imali eyisigaxa. Okokuqala, ungasheshi ukuthatha izinqumo ezinkulu ngemali. Zinike isikhathi sokwenza uhlelo lwezimali olubheka izidingo zakho zezimali zesikhathi esiseduze, esiphakathi nesikude,ukuze ugweme ukusebenzisa imali kungenasidingo.
Okwesibili, funa izeluleko. Intsha ikhuthazwa ukugwema ukuthatha izinqumo ezinkulu zemali cishe izinyanga eziyisithupha kuya kweziwu-12 ngemva kokuthola imali eyisigaxa. Loku kukunika isikhathi sokuthola izeluleko, ukuqondisisa izidingo zakho zemali nokuthatha izinqumo ezihambisana nenhloso yokwakha ingcebo yesikhathi eside, kunokujaha ubumnandi obudlulayo.
Okwesithathu, zibekele imigomo ecacile yezezimali. Imali eyisigaxa ingakulethela amathuba Amahle kodwa kubalulekile ukuyiphatha ngobuhlakani. Abantu abasanda kubabadala kufanele babeke imigomo ecacile yezimali, banciphise izikweletu, babenesikhwama sezimo eziphuthumayo, batshale imali nasekufuneni izeluleko zongoti ukuze benze imali abayithole iyisigaxa ibalonde.
Okwesine, thatha izinqumo eziphusile. Intsha ilulekwa ukuthi ingajahi ukungena emabhizinisini noma ekutshaleni imali. Kungcono uthathe isikhathi ukuqondisisa la mathuba futhi uthole izeluleko ezifanele ngaphambi kokufaka imali kuwona.
Okwesihlanu, ungasheshi usule emsebenzini. Qaphela ukuthatha imali eyisigaxa njengento ezovala isikhala somsebenzi noma ukukhula emsebenzini. Imali eyisigaxa kufanele ihambisane nezifiso zakho zomsebenzi, hhayi ukuthi ivale isikhala sawo. Ukuqhubeka usebenze, wandise amathuba okuhola kangcono kusengenye yezindlela ezaziwayo zokugcina nokukhulisa ingcebo ngokuhamba kwesikhathi.
UNks uRambujan wengeza ngokuthi imindeni kufanele isukumele ukulungiselela intsha ethola ifa ukuphatha kahle imali eyisigaxa. Uthi sivame ukulithatha kancane ijoka lefa.
Uma kungenzeka, imindeni kufanele iqale izingxoxo zokuphatha imali kusenesikhathi ukulekelela intsha ukuthi iqonde ijoka lokuphatha imali eyisigaxa. “Ukuthola imali eyisigaxa akuvamile. Kubantu abasha, kungabayithuba elikhulu lokwakha ingcebo nokukhululeka kwezezimali, inqobo uma iphathwa ngesineke nezeluleko ezifanele,” uNks uRambujan.