Loan (Maize) 										isiXhosa



Ukuthatha imali-mboleko – ingaba wena ufuna ntoni kwaye iziko lifuna ntoni?



Imiyalelo: 

Folio strap: Ulawulo loshishino

Byline: NguJenny Mathews, usihlalo weNkqubo yaseGrainSA yoPhuhliso lwamaFama



Sonke siyafuna ukuboleka imali ngelinye ixesha – ngakumbi emsebenzini wokufama kule mihla. Enyanisweni phantse yinto engenakwenzeka ukuqhuba ishishini ngaphandle kokusebenzisa imali eyinkunzi ebolekiweyo. Umceli-mngeni asikokuboleka ngaphezu kokuba ishishini okanye intengiso yomntu inako ukukwazi ukuyibuyisa! 



Khumbula, ngokuya umntu eboleka, kwaye ngokuya liba lide ithuba abuyisa ngalo umntu imali, ziya ngokuphakama ngakumbi iindleko zaloo mali-mboleko. Imali-mboleko nganye ineenxalenye ezimbini.

Inzala – Eli linqanaba elibangwa ngenxa yokuba umntu esebenzisa imali yemboleko. Likholisa ukubalulwa ngokwepesenti yemali yonyaka ebolekiweyo. Amanqanaba awakholisi kuba sisigxina kuba anako ukuguquka njengesiphumo sonyuso-maxabiso okanye ngenxa yemigaqo-nkqubo karhulumente.

Imali eyinkunzi – Esi sisixa semali ekubolekiswa ngaso ngenjongo ethile echazwe kwisicwangciso soshishino.



Umzekelo A:

Imali-mboleko yethuba eliphakathi ye-R100 000.00 efanele ukubuyiswa kwithuba leminyaka emihlanu ngenzala ye-10% iya kubukeka ngolu hlobo:

Unyaka
 
Ii-Randi 

Inzala
 
Ii-Randi 

Isixa esikwelitwayo
 
Ii-Randi

Imali eyinkunzi ehlawuliweyo 
 
Ii-Randi

Iintlawulo ezipheleleyo ezihlawuliweyo
 

 
1
 
10 000
 
100 000
 
20 000
 
30 000
 

 
2
 
8 000
 
80 000
 
20 000
 
28 000
 

 
3
 
6 000
 
60 000
 
20 000
 
26 000
 

 
4
 
4 000
 
40 000
 
20 000
 
24 000
 

 
5
 
2 000
 
20 000
 
20 000
 
22 000
 

 

 

 

 

 
130 000
 

 
Umzekelo B:

Kwayona imali-mboleko ehlawulwe ngokupheleleyo kwiminyaka eli-10 iya kubukeka ngolu hlobo:

Unyaka
 
ii-Randi 

Inzala
 
ii-Rand 

Isixa esikwelitwayo 
 
Ii-Randi

Imali eyinkunzi ehlawuliweyo
 
Ii-Randi

Iintlawulo ezipheleleyo ezihlawuliweyo
 

 
1
 
10 000
 
100 000
 
10 000
 
20 000
 

 
2
 
9 000
 
90 000
 
10 000
 
19 000
 

 
3
 
8 000
 
80 000
 
10 000
 
18 000
 

 
4
 
7 000
 
70 000
 
10 000
 
17 000
 

 
5
 
6 000
 
60 000
 
10 000
 
16 000
 

 
6
 
5 000
 
50 000
 
10 000
 
15 000
 

 
7
 
4 000
 
40 000
 
10 000
 
14 000
 

 
8
 
3 000
 
30 000
 
10 000
 
13 000
 

 
9
 
2 000
 
20 000
 
10 000
 
12 000
 

 
 10
 
1 000
 
10 000
 
10 000
 
11 000
 

 
 
 
 
 
 
 
 
 
155000
 

 


Imali-mboleko yeminyaka emihlanu ye-R100 000 ineendleko ze-R130 000 kanti imali-mboleko yeminyaka eli-10 ye-R100 000 ineendleko ze-R155 000. Ngokuqinisekileyo umntu ufumana iindleko zama-R24 000 nangaphezulu ngokuboleka kwalona i- R100 000 ngeminyaka ethe chatha yeminyaka emi-5. 



Imiqathango esentloko efunwa liziko

Eminye yemiqathango esentloko efunwa yiyo nayiphi ibhanki okanye iziko elinika inkxaso yemali phambi kokuqiqa ngokubolekisa ngemali yile:

Isicwangciso seshishini

Izicwangciso zamashishini zikholisa ukungqaliswa ngqo ekunyuseni ingxwowa-mali yamalinge eshishini. Isicwangciso sibandakanya uludwe lweenjongo, imicimbi ephambili nemibandela yeemali ukubonisa ukuba usiqwalasele isakhono seshishini lakho sokufumana inzuzo nendlela eliya kuncedakala ngayo ngokufumana imali-mboleko kwixesha elizayo. Isicwangciso sifanele ukwalatha ngokucacileyo indlela oza kuseka ngayo isakhiwo seshishini lakho nendlela oza kuliqhuba ngayo kwaye masichaze ngendlela ebonakalisa ukuthenjwa kwakho ngabo bantu abanokukunika inkxaso-mali onokubafumana ukuba unaso isakhono.

Imali equkuqela esandleni

Imali equkuqela esandleni ibonisa umqukuqelo wengeniso engena kwiiakhawunti zakho ngokunjalo neenkcitho ezihlawulwa kwiiakhawunti zakho. Oku kwenza ukuba lowo onokukuxhasa ngemali abone ukuba zeziphi iinyanga ongenisa ngazo imali nendlela iintlawulo ezibuyisa imali-mboleko yakho ziya kuphembelela loo ngeniso ngayo. Kukwabaluleke kakhulu ukuba unike zonke iinkcukacha zeeakhawunti zakho – nokuba zikumaziko ahluka-hlukileyo. Bubusela ukufaka isicelo semali ngaphandle kokukhanyisa isimo sezemali ngokuphelela kwaso. 

Ukuthobela uMthetho wamaTyala weSizwe 34 wama-2005 (National Credit Act)

Iibhanki azivumelekanga ukubolekisa ngemali ebantwini abangenakukwazi ukubuyisa imali-mboleko. Oku kukhusela ibhanki kwaye kukhusela umxumi. Ukuba akuphumeleli ukubuyisa imali-mboleko, oko kutyhileka kwimbali yakho yamatyala kwaye unako nokufakwa kuludwe lwabangenakuphinda banikwe tyala nakweyiphi indawo kuba ubonwa njengomngcipheko wokubolekwa. Akukho mntu ofuna loo meko kwingxelo yakhe ngakumbi xa usazi ukuba usenokufuna ukuboleka imali kwixesha elizayo ngenye imini! La manyathelo okhuselo ngawo kanye “asindise” iibhanki zaseMzantsi Afrika ngethuba lokwetha koqoqosho lowama-2009. Amazwe amaninzi kulo lonke ihlabathi alahlekelwa ngamawaka ezigidi kuba abantu bebambeke kwisimo apho bebengakwazi ukubuyisa iimali-mboleko zakho ngenxa yobukhulu bmatyala abo. UMthetho wamaTyala weSizwe wenzelwe ukukhusela abantu ekuchitheni imali abangenayo. Ukhona ukuze uncede iibhanki zikwazi ukulawula ityala elikhulu leli lizwe nokunqanda iibhanki ekubolekiseni ngemali ngaphandle kokuqaphela.



Amanye amacebiso aluncedo

Kubalulekile ukuba bonke abalimi nabaphathi beefama basebenzise iingcali ezinokubacebisa malunga nemibandela yobuchwepheshe ephathelene nokufumana iinkxaso-mali zemizamo yabo yomsebenzi wokufama, bacebisi abo ababuqondayo ubugocigoci bokufumana inkxaso-mali yokufama. Abalimi abanakulindela ukuba semgangathweni ngazo zonke iinkcukacha, nobugcisa bemibandela yezemali, lwazi olo lunokuba luncedo ekulawuleni imibandela yezemali yefama.



Kubalulekile ukuba abalimi, njengawo onke amadoda amashishini asebenzisa iimali-mboleko, babonise ukuthembeka kwabo kwithuba elide. Xa kunokubakho ukubambezeleka ekubuyiseni imali ebolekiweyo oku mabakuxoxe nomxhasi wabo wemali ithuba liselihle ukuze kwenziwe amalungiselelo.



Naluphi utyalo-mali olwenziwayo ngeemali ezibolekiweyo kusoloko kuthetha ukuba umlimi ulusebenzisa kwangoko ngethemba lokufumana imbuyiselo ngomnye umhla kwixesha elizayo. Umlimi kufuneka azibuze ukuba uqiniseke kangakanani ukuba utyalo-mali alwenzayo luya kuba nempumelelo ekunikeni iimbuyekezo ezinika ithemba. Ngakumbi ngokuphathelele ekulinyweni kombona kwixesha lonyaka elitsha esijonge kulo, kubalulekile ukuba wenze zonke izibalo zakho ngokuqaphela okukhulu ukuze ubone ukuba ingaba kuya kuba nenzuzo na ukulima umbona phantsi kwexabiso lexesha langoku lommandla wentengiso naphantsi kwemeko yeendleko zangoku. Akukho ngqiqo ekongezeni ingxaki yenkxaso yemveliso ephuphumayo njengoko kunjalo kwithuba langoku kuba oko kuya kuthetha ukuba siya kuqhuba ngokuzifaka emngciphekweni wokuthoba amaxabiso – ngakumbi xa besinesityalo esihle phakathi kuka-2010 no-2011. Kwakhona akuyongqiqo ngokoshishino ukuboleka imali phantsi kwemeko ebonakalayo yomngcipheko ongako. 



Elokuphetha

Imibandela yemali intsonkothile kwaye ithanda ukungabi ngomnye wemiba ethandekayo xa ukuqhuba ishishini lakho. Uninizi lwabalimi lukwakhetha ukuba phaya phandle lukhanda itrektara kunokuba sedesikeni yakhe umntu apho asebenza ngesixhobo sokubala amanani (i-calculator). Nangona kunjalo, ukungayihoyi yonke imiba yolawulo lwemali kunokuthetha ukuba msinyane kuya kuba kungekho trektara ekhandwayo kungekho nkqu nefama yokufama! Abalimi kufuneka babe nombono ocacileyo wemeko yabo yemali ngawo onke amaxesha kwaye mabangathandabuzi ukuqesha iingcaphephe nananini xa kukho imfuneko.

