xhosa.2836.credit act
Ukuphuma ematyaleni
Zininzi iindlela zokukhupha uMzantsi Afrika ematyaleni, ingaba ziyasebenza" Sithelekelela indlela yokukunceda...
SINAMATYALA kakhulu ngoku, itshilo iBhanki enguVimba yaseMzantsi Afrika - futhi amatyala ethu amalunga neekota ezintathu zemivuzo yethu! La matyala onyuke ngesiqingatha ukusukela ngo-2002...
Siza kuyithathaphi imali yokutheng' ukutya, sinxibise abantwana bethu, sihlawul' iimali zabo zesikolo kunye neyokukhwela xa sisiya emsebenzini xa sinamatyala angaka"
INational Credit Act eqale ukusebenza ngowoku-1 kuJuni walo nyaka umele ukuba usincede ukuze sikwazi ukumelana namatyala, futhi usibeke kwindawo ephambili kunamazwe afana neMelika, utshilo uCees Bruggeman waseFNB.
Ingaba iNational Credit Act iyakunceda" Xa kungenjalo, yintoni ongayenza"
Isikhokhelo seBONA sokumelana namatyala...
1. Ukufuman'iingcebiso ngamatyala
Ngokomthetho iNational Credit Act, kwakumele ube nabacebisi ngamatyala ukuze bakuncede ukwazi ukulungisa iingxaki zakho zamatyala. Ungaziyela nje ngokwakho kubo okanye uthunyelwe kubo yinkundla kamantyi. Umcebisi ngamatyala uneentsuku ezingama-60 zokuba akwenzele isicwangciso sokuhlawula amatyala akho ebonisana nawe aze asise enkundleni ukuze samkelwe okanye athetha-thethane egameni lakho kunye nabo bantu ubatyalayo.
Nangona nje isigaba sokuqala somthetho lo saqala ngoJuni ka2006, inkqubo le yokufumana iingcebiso isabhidisa kuba iSebe Lezorhwebo Noshishino alikazimiseli iintlawulo zenkonzo le.
Kaloku le nkonzo iyahlawulelwa.
Uvavanyo luxabisa ama-R50. Xa sele zizonke iintlawulo ziza kuba phakathi kwama-R500 kunye ne-R1 500, kanti zingade ziye kuthi ga kuma-R3 000 xa utyala iindawo ezininzi.
Ngeentlawulo ezingako, imali oyityalayo xa iphelele, kunye nenzala ekumele uyihlawule, akukho bani unokusola xa unokucinga ukuba akuzukunceda nganto ukuya kumcebisi.
Ingaba baza kuba luncedo aba bacebisi ngamatyala" Amaziko akwicandelo lezamatyala anoloyiko lokuba ngenxa yokuba abacebisi ngamatyala kufuneka babe namava eminyaka emibini, oomatshonisa baza kungena kule nkonzo ngobuninzi bazenze abasemthethweni baqhitse abathengi.
Namatshantliziyo kwimiba yabathengi iyawaxhalabisa into yokuba abacebisi ngamatyala akufuneki bade babe bawuqeqeshelwe lo msebenzi.
2. Inkundla Yabathengi Kazwelonke
Ukukhusela ukubolekisa okungenankathalo ngumba obaluleke kakhulu kwiNational Credit Act. Xa ukwazi ukubonisa ukuba amatyala owenzileyo ukusukela ngowoku-1 kuJuni walo nyaka ayakongamela, ungakwazi ukumangalela umntu okuboleke imali ngokungenankathalo - nto leyo engenza ukuba umbolekisi lowo ngemali alicime ityala elo. Ngethuba sishicilela eli nqaku iNkundla Yabathengi Kazwelonke nekumele ukuba ibeyiyo ebek' iliso kwizinto ezinjalo ibingekanikwa amagunya apheleleyo
Ingxaki kukuba akukho mithetho sele iphunyeziweyo, ngoko ke inkundla le ayinakukwazi ukusebenza, utsho usihlalo wale nkundla uDiane Terblanche - nto leyo yenza ukuba abathengi abakholelwa ukuba babe ngamaxhoba okubolekwa ngendlela engenankathalo bangakwazi ukuzikhusela ngesi sixhobo.
3. Yiya kumntu owamkel' izikhalazo zabantu
Ukhuseleko lwabathengi eMzantsi Afrika lunamakhwiniba, kanti ke amaziko amiselwe ukuba ajongane nezikhalazo awasetyenziswa ngokukuko. Kodwa ke mhlawumbi loo nto yenziwa kukuba abathengi abawazi okanye awafikeleleki.
Kumhlala-phantsi, izibonelelo zezempilo kunye neenkonzo zezimali, urhulumente umisele abalawuli ukuba baphande baze bathath' izigqibo malunga nezikhalazo. Kwiindawo ezinezikhalazo ezininzi le nkqubo iyafadalala.
KwiBhodi Yeenkonzo Zezimali kulo nyaka uphelileyo, iminxeba emininzi engenayo ibingananzwa.
Amaziko aneenkcukacha zabathengi, elokubhanka nele-inshorensi umzekelo - inkonzo le yoshishino ithe ngokuzithandela ngokwayo yahlawulela inkonzo yomntu owamkel' izikhalazo zabantu. Lo mntu usebenza ngokuzimeleyo ukulamla nokuthatha izigqibo ngezikhalazo zabathengi. Amanye amaqela abathengi angathanda ukubona aba bantu bezimele ngokupheleleyo.
Kukho imibutho ekolu shishino engenaye kwamntu lowo uzimeleyo nowamkela izikhalazo zabantu kodwa ekwaziyo ukusombulula izikhalazo zabathengi. Le mibutho iquka iMicro Finance South Africa, iMaster Builders' Association kunye neFurniture Traders' Association.
I-FTA yamkela malunga nezikhalazo ezili-1 200 ngonyaka, itsho iFinmark - kanti ligcuntswana elo xa ucinga ukuba banamasebe angama-4 000 angamalungu abo.
Kodwa ke oku kubhetele kunakwiindawo apho abathengi bangenamntu bakhalaza kuye - ingakumbi kwiindawo apho iivenkile ezinkulu, ababolekisi ngemali ngokwamkela isibambiso nabaqeshi baboleka khona abasebenzi.
Iinkonzo ezinikezwa ngaba balawuli kunye nabantu abamkela izikhalazo zisimahla, kodwa ukutsal' umnxeba nokufeksa kuyahlawulelwa. Abantu abafuna ukubonana ubuso ngobuso naba bantu bahlangabezana nobunzima kuba i-ofisi ejongene nelizwe lonke inye.
4. Ii-ofisi zabathengi zamaphondo
Kufanele ukuba yeyona ndawo uqala kuyo le xa ufuna ukwazi ukuba ungasifaka phi na isikhalazo sakho. Ezinye zezi ofisi sisebenza kakuhle kunezinye futhi uphando olwenziwe kutshanje yiFinMark Trust inye kuphela i-ofisi abangaphendulwanga kuyo xa betsal' umnxeba.
Lo ngumzekelo wenkonzo enamakhwiniba abahlangabezana nayo abathengi baseMzantsi Afrika.
5. Tsalela umhlobo
Amaxesha amaninzi uncedo olululo ulufumana kwimibutho yabahlali, imibutho engekho ngaphantsi kukarhulumente nakwii-ofisi zoncedo ngezomthetho, ifumanise oko iFinmark. Kwezi ndawo ufumana abantu abakulungeleyo ukukunceda. I-Finmark ithi abanye babo bangamosha amathuba akho okufumana isivumelwano esihle ngenxa yokuwuthathela phezulu umcimbi wakho ngoko kufuneka bayilumkele loo nto.
6. Abantu abalawula amatyala
Kulula ukubabona kuba iintengiso zabo zigcwele yonk' indawoa, besenza iintengiso kwindawo yonke zokuba bangakunceda "wehlise iintlawulo zakho zamatyala" okanye "ukwazi ukumelana ngokulula neentlawulo zakho zamatyala", Nangona kunjalo ke, amaxesha amaninzi ukuya kubantu abakulawulela amatyala kubiza imali eninzi kunokuba wena uzenzele ezakho izicwangciso kunye nabantu obatyalayo.
Into eye yenzeke kukuba abantu abakulawulela amatyala bathatha iintlawulo ezinkulu kwisixa semali oyihlawula nyanga zonke kubo baze bahlawule encinci kwabo bantu ubatyalayo. Into ebuhlungu, kukusilela komthetho wethu njengoko kungekho kulawulwa kolu shishino lokulawulela abantu amatyala kanti kananjalo akukho mfundo ithile kudingeka ukuba babe nayo.
Ukuba ngaba umntu okulawulela amatyala akho uthe akayiphatha ngendlela eyiyo i-akhawunti yakho, ungakwazi ukuya kwinkundla kamantyi ufake isicelo sokuba unikwe omnye.
Nangona kunjalo ke akuhlali kusenzeka oku, njengoko bebambalwa kakhulu abathengi abaziyo ukuba banokwenza oku, kanti ke abanye kufuneka bafumane uncedo lomntu oqeqeshiweyo ukuze bakwazi ukungenisa ityala okanye isikhalazo sabo.
7. Yiba ngoyena mkhuseli wakho
Eyona nto iyinyani enzima kukuba kulula kakhulu ukungena ematyaleni kunokuphuma kuwo. Zikhona iinkqubo kunye neenkampani ezingakunceda, kodwa kufuneka ube nenzondelelo kunye namandla ukuze ukwazi ukufikelela nkqu kwezo sele zikho futhi zisebenza.
Kodwa ke, ungakwazi ukuba ube ngoyena mkhuseli wakho.
"Umthengi oxhobe ngolwazi nozikhusele ngokukuko ubalulekile," itsho iFinmark. "Bayakwazi ukuthatha izigqibo ezisekelwe kulwazi futhi bayakwazi ukuzakhela ingxoxo yempikiswano esemthethweni neyamkelekileyo." [x]
BONA XHOSA - November 2007
Wena nomthetho omtsha iCredit Act
kubhale uPATRICIA McCRACKEN
Qiqa xa uvula amatyala, vula ityala lokuthenga imoto okanye indlu okanye elokuqalisa ishishini ungavuli 'amatyala amabi' afana nawokuthenga ukutya nee-akhawunti zeempahla.
BONA XHOSA - November 2007
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Kulula ukungena ematyaleni kodwa kunzima ukuphuma
Umthetho iNational Credit Act uqale ukusebenza ngokupheleleyo ukusukela ngoJuni, kodwa kuba imimiselo yawo imane ivela manqaphanqapha - eminye ngomzuzu wokugqibela - kunganzima ukufumana umfanekiso onguwo malunga nokuba iyitshintshe njani indlela yokufumana amatyala eMzantsi Afrika.
Nazi ezona njongo zawo ziphambili:
UKUKHUSELA umboleki - hayi umbolekisi, ingakumbi ukuba umbolekisi uyazi ukuba uya kusokola ukuhlawula imali-mboleko leyo ("ukubolekisa ngokungenankathalo"). Iindaba ezimnandi kukuba kufanele ngoku zibe ninzi iindlela ongafumana ubulungisa obunxulumene namatyala ngazo kunangaphambili. Ezimbi iindaba zezokuba azikasebenzi zonke ngokwangoku.
UKUVULA imakethe yamatyala. Isicelo sakho setyala sisenokungamkelwa, kodwa kumele uxelelwe ukuba kungani singamkelwanga.
UKUNCIPHISA iindlela ezichazwa ngayo iimveliso zezimali kwiintengiso nakwizaziso zentengiso.
UKUKWAZI UKUKHETHA - phambi kokuba ugcwalise isivumelwano setyala kufuneka ukuba unikwe intelekelelo yamaxabiso ebhalwe phantsi nekumele ukuba ibe yebhalwe ngendlela emiselweyo. Le ntelekelelo iyambophelela umbolekisi iintsuku ezintlanu, nto leyo eyenza ukuba ukwazi ukuya kwezinye iindawo okanye ukutshintsha ingqondo yakho.
UKONGAMELA izivumelwano zamatyala. Ezinye iinkcukacha kufanele ukuba zifakwe kanti ke imihlathi engalunganga ayivumelekanga.
UKUKWAZI UKUPHUMA KWIZIVUMELWANO - uyakwazi ngoku ukuhlawula yonke imali oyityalayo ngokwesivumelwano setyala ungakhange ube unike isaziso - ngaphandle kwezivumelwano ezikhulu ezifana nesokuthenga indlu apho kufuneka ufake isaziso esiyinyanga.
UKUNIKEZELA NGEENKCUKACHA - umthetho ulawula amaziko agcina iinkcukacha ngokuhlawulwa kwamatyala kanti wenza ukuba ukwazi ukufumana ingxelo enye ngamatyala akho kanye ngonyaka ngaphandle kwentlawulo khon' ukuze ukwazi ukukhangela ukuba iinkcukacha ezikuyo ziyinene na.
Indlela owatshintshe ngayo amatyala umthetho iNational Credit Act ukulungiselela wena
