Xhosa.2313.debt
SIYAKUXHOBISA UKUZE UZINCEDE ihlelwe nguPatricia McCracken
ASINGUWE WEDWA OSEMATYALENI...
Baninzi abantu abantyumpa-ntyumpeka ematyaleni, ngoko landela abantu abazama ukuzikhupha ematyaleni ngokulungisa iibhajethi zabo.
Inyaniso kukuba ummi waseMzantsi Afrika usebenzisa i-70% yomvuzo agoduka nawo emva kokuba kutsalwe irhafu neziny' izinto ekuhlawuleni amatyala.
Nantsi indlela abakwaFNB Home Loans abafumanise ukuba abantu beli baphila ngayo:
73% ayityi kwiivenkile zokutya, ayizithengi iziselo okanye iye ezipatini
58% ayizithengi iimpahla ezininzi ezintsha zokunxiba
51% ihlisa iindleko zayo zeselfowuni
45% inciphisa imali eyichitha ilungisa iinwele, ithenga nezithambiso
25% ifuna ukutya okunexabiso eliphantsi nezinto eziyimfuneko ukanti i-75% ayisazithengi izinto zobuncwane
21% inciphisa iindleko zepetroli nezokuhamba
10% kunyanzeleke ithengise imoto okanye into enkulu.
KOLU SHICILELO
82 Ukuzikhupha ematyaleni
84 Umhlaza wamatapile
85 Lahla amayeza ngokukhuselekileyo
86 Iingcebiso zomthetho: Urhwaphilizo emsebenzini
88 Buz' uSis Sarah
90 Sithetha ngamayeza
92 Ezolutsha: Iingcebiso zikaFat Charlie 94 Unyaka wokuqala womntwana wakho
AMANDL' EMALI EBONA
Ufanele uwabaleke AMATYALA AKHO?
Ingaba uziva unqwenela ukuwabaleka amatyala akho anyukayo? Nasi isikhokelo esingakunceda uzikhuphe ematyaleni... Kubhale uPatricia McCracken
SONKE sikhe simve umntu othand' ukuthetha nozixelelayo ofika egxeka abantu abazama ukuzikhupha ematyaleni abo. Kodwa kungenzeka ukuba loo mntu uyaxoka ngezinto azitshoyo?
Yinyaniso ukuba iibhanki nababolekisi ngemali bazilungiselela ukujongana nokunyuka kwenani labantu abangawahlawuliyo amatyala abo. Kodwa ungaziqhathi ngokucinga ukuba ziza kusong' izandla xa ungalihlawuli ityala lakho. Sebenzisa la macebiso AMANDL' EMALI EBONA ukuzikhupha ematyaleni...
1. UMHLOBO WAKHO OMTSHA
Into yokuqala eyenziwa ziibhanki neziny' iindawo ezibolekisa ngemali kukukhuthaza abaxumi bazo abangakwaziyo ukuhlawula amatyala abo ukuba bathethe nazo ngokwenziwa kwendlela entsha yokuhlawula, kodwa oko akuthethi kuthi liza kucinywa ityala lakho.
"Siyabakhuthaza abaxumi bethu aboyiswa kukuhlawula amatyala abo ukuba beze kuthethana nathi ukuze senze indlela yokuhlawula evumelana nemeko yabo," utsho uLynette Nicholson wakwaFNB Home Loans.
Iziphumo: Unako ukungalihlawuli ityala lakho iinyanga ezithile de iphucuke imeko yakho yemali okanye kuncitshiswe izavenge zenyanga, kodwa ke oko kuza kulandisa nexesha lokulihlawula nenzala yelo tyala.
Ewe okanye hayi?: Oku kuya kukunceda kwenze ubomi bakho bube lula, kodwa awuyi kubanako ukwenza elinye ityala ngokwemiqathango yomthetho omtsha weNational Credit Act.
2. ABAZINGELI BAMATYALA
Uyaziqhatha xa ungawahlawuli amatyala akho ngethemba lokuba ibhanki okanye iivenkile ezithengisa ngetyala ziza kuwalibala. Umbolekisi-mali ngamnye unemithetho ayisebenzisayo ukuleqa abantu abanamatyala ngaphambi kokuba abagqithisele kubaqokeleki bamatyala.
Iziphumo: Oku kuya kulibazisa ukuhlawula kwakho, kodwa yazi ukuba kungenzeka uzifumane sele uhlawula imali ethe kratya kuba abaqokeleli bamatyala baya kufaka nemali yeendleko zabo kwityala lakho.
Ewe okanye hayi?: Ukungalihlawuli ityala lakho de linikwe abaqokeleli bamatyala kungakunika ithuba lokulungisa imeko yakho yemali, kodwa ethubeni kuza kukwenza ungalali buhlayo, kungangcolisa igama lakho okanye uzifumane sele uvela ezinkundleni. Kungenzeka nokuba uzifumane sele uthinjelwa impahla yakho enjengomzi, imoto, ifenitshala njalo-njalo, ukuze ithengiswe.
3. XA USIWE ENKUNDLENI
Ukubaleka iindawo onamatyala kuzo ezizama ukukunceda, nabaqokeleli bamatyala abakuleqayo ngetyala ongalihlawuliyo kungawenza umba wokungahlawuli kwakho uchotshelwe yinkundla. Abaqokeleli bamatyala basebenza ngexesha - ngoko xa ungaziphenduli iincwadi zabo, ukhutshela iisamani. Xa belumkile apho uboleka khona imali bakusayinisa into ethi uyavuma ukuba unetyala usayiboleka imali, wakungahlawuli bayitsale emvuzweni wakho.
Akusavumelekanga ngoku ukusayiniswa ukuvuma ityala ngokomthetho omtsha weNational Credit Act oqale ukusebenza ngoJuni wanyakenye.
Iziphumo: Ungaze ungazihoyi iisamani kuba inkundla ingakhupha isigwebo sokuba ulihlawule kanjani ityala nokuba awukho enkundleni. Inkundla ke idla ngokukhupha umyalelo wokuba izavenge zetyala lakho zitsalwe emvuzweni wakho. Xa uyile enkundleni uyazithethelela kumantyi kungatsalwa imali enkulu.
Ewe okanye hayi?: Akukhathaliseki nokuba ulihlawule ngokukhawuleza kangakanani na ityala lakho, kodwa eso sigwebo siya kuhlala silichaphaza elibi egameni lakho iminyak' emihlanu.
Ukubhalwa ebantwini abangahlawuli amatyala akuthethi kuthi ufanele ulibale ngetyala lakho. Sukuba kuseza lukhulu ngokutsho kukaManie van Schalkwyk oyiCredit Information Ombud.
Oko kungenxa yokuba xa umantyi esayina umyalelo wokuhlawula kwakho, unika inkampani onetyala kuyo ilungelo lokusebenzisa nayiphi na indlela yokukwenza uhlawule ityala lakho iminyaka engama-30.
4. ABANTU ABABALEKA AMATYALA
Abantu abanamatyala abacinga ukuba bangawabaleka amatyala abo ngabo basebenzisa ikroba elikhona emthethweni lokuba ityala liphelelwe lixesha. Kunjalo, ityala liyacinywa xa liphelelwe lixesha. Kodwa oko kwenzeka emva kweminyak' emithathu.
Ngelo xesha kufuneka ube awukhange uhlawule nesinye isavenge kwelo tyala okanye uvume kwa-ukuba unetyala ongalihlawulanga. Nkqu nokuthi "ndizimisele ukuhlawula ndakubanayo imali" kwindawo onetyala kuyo okanye kumqokeleli wamatyala kukuvuma ukuba unetyala.
Iziphumo: Kunzima ukubaleka ityala ngale ndlela. Kufuneka ubenamaqhinga okubaleka abaqokeleli bamatyala, nto leyo ikwenza uphile ubomi obubi emsebenzini nasekhaya. Kwakhona kuya kukuvalela amathuba okuboleka imali kweny' indawo kuba uya kuba ufake kuluhlu lwabantu abangawahlawuliyo amatyala.
Ewe okanye hayi?: Zimbalwa izinto ezingenza kukuncede ukuphelelwa kwetyala lixesha. Okokuqala kuxa inkampani onetyala kuyo ivalwa ngenxa yokuphelelwa yimali. Abantu abanamatyala kuyo abaleqwa ngamatyala abo xa loo nkampani ingekazithengiseli abaqokeleli bamatyala iincwadi zabo. Maxa wambi oku kuthabatha ixesha elide de bathi bekufumana abaqokeleli bamatyala, ube ungakwazi ukuthi liphelelwe lixesha elo tyala. Yitsho loo nto kuphela kwaye ungavumi nangayiphi na indlela ukuba unetyala.
5.ABAFUNA IINGCEBISO
Aba ngabantu abangabaleki matyala, koko ngabantu abazikhusela kubaqokeleli bamatyala bakwimiyalelo yenkundla. Oko kubanika ithuba lesibini lokungathatyathelwa amanyathelo omthetho xa bengawahlawulanga amatyala abo.
Kaloku umthetho weNational Credit Act uze namacebisi bamatyala abanceda abantu abanamatyala bakwazi ukujonga imeko yabo yemali baze bafumane iindlela zokuhlawula amatyala abo. Nyakenye iBONA yaphanda ngokucotha kokuqaliswa kwale nkqubo kwaye nangoku basemalunga nama-400 abantu abacebisa abantu ngokuhlawula amatyala abo kweli. Kodwa baninzi abasaqeqeshwayo kulo lonke eli - ukanti unako nokufumana uncedo lwale nkonzo kwi-ofisi yeLegal Aid Clinic ekwingingqi yakho.
Iziphumo: Ubanomntu okuncedayo ungajongani neendawo onamatyala kuwo uwedwa. Uya kukunceda uthethane ngokuhlawula izavenge ezikulungeleyo ukuze ukwazi ukuhlawula neziny' iindleko zakho. Oko kuya kukusindisa ungathatyathelwa amanyathelo omthetho, kwaye xa ungene kule nkqubo ungekathunyelelwa iisamani, awuyi kufakwa kuluhlu lwabantu abangahlawuliyo.
Ewe okanye hayi?: Kukwenzela uxinzelelo lwengqondo olukhulu ukubona amatyala akho ekhula ube ungakwazi ukuwahlawula, kwaye oko kungachaphazela impilo yakho nendlela ophila ngayo nosapho nendlela owenza ngayo umsebenzi wakho. Ukuya kwindawo onetyala kuyo nokuya kumcebisi ngamatyala akuncede kukwenza uzive ukwazi ukulawula imeko yakho yemali
kwaye oko kukunceda ngeendlela ezininzi. [x]
Ungaleqwa iminyaka engama-30 ukuba uhlawule ityala lakho
NGUBANI ONGAKUNCEDA?
1. National Credit Regulator: Xa ufuna ukucetyiswa ngokumelana namatyala akho, okanye ufuna ukwazi ukuba zifumaneka njani iingcebiso ngamatyala okanye ufuna ukuqhagamshelana nomnye wabacebisi ngamatyala, cel' uncedo kwiNCR ngokufonela kule nombolo: 0860-627-627 okanye uvule iwebsite yayo ethi: www.ncr.org.za
2. Credit Information Ombud: Xa ukholwa ukuba igama lakho lifakwe lingafanelanga kuluhlu lwabantu abahlawula kakubi amatyala, ingakunceda iCIO. Ungabafowunela ku: 0860-662-837 okanye ungathumela i-email ku-ombud@creditombud.org.za, ukanti ungavula newebsite yabo ethi www.creditombud.org.za
3. Council For Debt Collectors: Xa ufuna ukwazi imali ehlawuliswa ngamaqokeleli bamatyala okanye ufuna ukukhalaza ngokuphathwa gadalala ngomnye wabo fowunela ku-012-804-9808 okanye uvule iwebsite ethi: www.debtcol-council.co.za
