zulu.2043.insurance
Iningi labathengi lizithola likhokha ngokuphindaphindiwe uma lithenga ifenisha ngesikweleti. Sizokukhombisa ukuthi yikuphi okumele ukugweme
Ikhambi lokonga imali yakho
UNTOMBENTSHA wayefuna ukuthengela umndeni wakhe ohlala eKhayelitsha isitofu esisha ne-home-theatre ngoNovember nyakenye. "Ungazithatha manje izimpahla zakho uqale ukukhokha ngonyaka ozayo," kusho osiza abathengi kuyena.
UNtombentsha wasayina wonke amaphepha okwakumele awasayine waphiwa ne-sandwich toaster. Kodwa leyo-toaster wayengayiphiwa njengoba ayecabanga. Waqala ukukhokha isikweleti sakhe kodwa wathola ukuthi akasabi nayo nemali yokugibela uma eya emsebenzini.
Wahlala phansi wasibala kahle isikweleti sakhe. Esebala, kuningi akuthola okwamthusa kakhulu...
MIsitofu wasithenga ngo-R2 630,70 i-home-theatre yaba ngu-R1 638,59. Sekukonke kwabiza u-R4 269,29 - kodwa uma sekufakwe zonke izindleko ezifakwa uma uthenga ifenisha, isikweleti sakhe saphindeka kabili saya ku-R10 565,54.
MIzindleko zomshwalensi (R2 296,76) nenzalo (R2 851,61) zenza u-R5 148,37 - imali ecishe yeve ngenkulungwane yamarandi kweyesitofu ne-home-theatre ayekuthengile!
MWathola nokuthi ukhokhe u-R68,40 ngokusayina isivumelwano ayesezisola kakhulu ngokusisayina.
MNgenyanga kuzodingeka ukuba akhokhe imali engaphezulu kuka-R400 kuze kuphele izinyanga ezingu-24.
"Siyangehlula lesi sikweleti!" kusho yena kwabakwaBONA phakathi kukaFebruary. "Kungcono bazithathe izimpahla zabo kuphele ngesivumelwano sethu."
Izindleko zomshwalensi
Izindleko zomshwalensi zizodwa zicishe zenze i-quarter yesikweleti sikaNtombentsha ekubeni umuntu akaphoqiwe ukuba awuthathe okungenzeka wukuthi elulekwe ngawo. Ngabe bangaki abathengi abakwaziyo lokho"
"Baxhashazwa lapho abathengi," kusho u-Astrid Ludin womnyango wezohwebo nezezimboni. "Kodwa uNtombentsha unenhlanhla. Kunabantu abakhokhiswa imishwalensi ecishe ibe yingxenye yesikweleti sabo!"
Izitolo zefenisha zenza amakhulu ezigidi zamarandi ngonyaka ngemishwalensi nje kuphela ngokukaMark Ansley we-African Harvest Fund Managers ocwaninga ngezezimali eCape Town.
"Izitolo zefenisha azinazinkampani ezincintisana nazo nokuyinto eyinzuzo enkulu kuzona. Ziba nowazo umshwalensi ongaphakathi noma zenze isivumelwano nenkampani yomshwalensi isitolo sithole umhlomulo ngalokho," kusho uLudin.
"Ngenxa yalezi zizathu abakwazi ukunika umthengi okungcono. Siyakudinga ukuthuthukiswa kwemikhiqizo kulo mkhakha.
"Lokho kwenza izitolo zingabi nomshwalensi okahle ezingawunika abathengi. Ngokwazo zithi alilula leli bhizinisi kodwa uma izinkampani zama-cellphone zikwazi ukunika abathengi imishwalensi ka-R10 ngenyanga, izitolo zefenisha zihlulwa yini ukuba neyazo imishwalensi""
Owokuzenzela
Iningi labathengi lithatha imishwalensi eliyinikwa yizitolo ngoba ingekho elingakhetha kuyona. Kuhle ukuba nomshwalensi kodwa akudingeki kuze kube owesitolo sakho.
Uma uthenga ngesikweleti izimpahla kuba ezesitolo uze uqede ukuzikhokhela.
Cabanga ngenhlekelele okungenzeka ikwehlele - umuzi wakho ungasha, kuntshontshwe izimpahla zakho noma uphelelwe wumsebenzi.
Uma ungenamshwalensi, kuzodingeka ukuba uthole imali yokukhokha isikweleti sakho.
Bheka ongakwenza ngaphambi kokwamukela umshwalensi owunikwa yisitolo uma uthenga ngesikweleti...
lCabanga: Kungenzeka ukuthi usunawo umshwalensi ongakukhokhela isikweleti sakho. Abanye abantu banemishwalensi efakwa kwi-pension fund yabo. Uma ukhokhela i-bond umnini muzi uba nomshwalensi walowo muzi. Uma uveze ubufakazi esitolo bokuthi unawo, isitolo akufanele sikuphoqe ukuba uthathe omunye.
lHlanganani: Uma bebaningi abasebenzayo ekhaya, nicabanga nokuthenga ngesikweleti kodwa ningenawo umshwalensi, hlanganani emshwalensini owodwa. Uma nihlangana nikhokhele umshwalensi ningonga imali enhle. Khumbula ukwazisa umshwalensi wakho ukuthi uhlala nobani ukuze ugweme ingxabano engaba khona uma sekudingeka ukuba umshwalensi ukhokhe.
lYiba nowakho: Isimo sakho saziwa nguwe. Nisengozini kangakanani yokwebelwa nokushelwa umuzi" Ngabe uphephe kangakanani umsebenzi wakho" Ingakanani imali osuyongile" Uma unezimpendulo ezikahle kule mibuzo ungafuni ukuba senkingeni, funa owakho umshwalensi.
Nciphisa izikweleti zakho
BONA ZULU - April 2006
indaba nguPATRICIA McCRACKEN
izithombe nguVAL ADAMSON
Bheka ukuthi ungonga kangakanani!
Imali lowo nalowo muntu angayonga incike esikweletini asikhokhelayo. Kodwa kujwayelekile ukuba abantu bathenge isitofu ne-home-theatre njengoNtombentsha - bheka ukuthi wayengayonga kanjani imali ecishe ibe yingxenye yesikweleti sakhe!
Imishwalensi kaNtombentsha: R2 296,76
Izindleko zokudiliva (nenzalo) R846,72
Inzalo yokuthenga ngesikweleti: +/- R1 200
IMALI ANGAYONGA: +/- R4 300!
BONA ZULU - April 2006
Nawe ungasiza
Imali yokudiliva engu-R427 isitolo esayifuna kuNtombentsha "inkulu kakhulu" ngokuka-Astrid Ludin.
UNtombentsha wayefuna ukuba izimpahla zisuke esitolo eCape Town ziye kubo eKhayelitsha kodwa ayengakwazi wukuthi akuphoqelekile ukuba kube yisitolo esimdilivela izimpahla zakhe.
Uma inkulu imali yokudiliva okhokhiswa yona, cela onemoto eyiveni ukuba akudilivele izimpahla zakho.
Incane imali oyohlukana nayo ngokwenzenjalo kunokudlala izitolo ezibuye zifake leyo mali esikweletini sakho ukhokhe inzalo.
Okusho ukuthi uNtombentsha wagcina esekhokhe u-R846,72 wokudiliva sekuhlangene nenzalo yezinyanga ezingu-24.
u
t
Izitolo
zefenisha
zenza imali enhle
ngonyaka ngenxa yemishwa-lensi
Usizo
"Ngeshwa, asikwazi ukushayela imishwalensi imithetho ngoba lokho kungumsebenzi wabalawula ezezimali," kusho u-Astrid Ludin, ongomunye wabagqugquzeli beNational Credit Bill okungenzeka iqale ukusebenza ngo-April ngonyaka ozayo okuhloswe ngayo ukuba kusizwe abenza izivumelwano zokuthenga ngesikweleti. "Sinazo izeluleko ezingasiza kule nkinga."
Okusemqoka wukuthi lo mthetho omusha uzofaka izitolo, omashonisa, amabhange nabanye ingcindezi yokuba "bangaboleki abantu imali ngokungabacabangeli." Okusho ukuthi ungakwazi ukusisula isivumelwano esifana nesikaNtombentsha uma kungukuthi wawungasiqondi ukuthi sithini. Kusenezinto ezisacutshungulwa ngalo mthetho kodwa likhona ithemba kubathengi abasafuna ukuthenga ngesikweleti.
Okwamanje qaphela ukhumbule ukuthi uNtombentsha akayedwa kule nkinga yokudlala izitolo zefenisha. E-Vereeniging uSibonelo Magwaza wathenga amakhabethe amathathu ayebiza u-R2 840.
Ngokuthenga ngesikweleti wayezokhokha imali ephindwe kathathu kuleyo -
okungu-R6 477,68. Nakulokho izindleko zomshwalensi nezenzalo zenza ingxenye yenani lempahla ayeyithengile.
"Umngani wami wathi bengingenzelwa ikhishi elihle ngaleyo mali kodwa-ke ngadlala ukungazi," kusho uSibonelo.
BONA ZULU - April 2006
UNtombentsha washayeka kabili
UNtombentsha washaywa yizindleko zomshwalensi - waphinda washaywa yinzalo.
lIzivumelwano eziluthayo: UNtombentsha wayezokhokha inzalo encane ukube wayazi ukuthi ubolekwa imali akanikwa isivumelwano sokukhokha nokuyinto esiyibiza nge-hire purchase.
Inzalo ye-hire purchase ilawulwa yi-Usury Act. Okusho ukuthi ezikweletini ezingaphansi kuka-R10 000 inzalo akufanele ibe ngaphezulu kuka-20 percent - uNtombentsha wakhokha u-32,99 percent. Ingaphezulu kuka-17 percent ezikweletini ezingaphezulu kuka-R10 000.
Kufanele ukhokhe i-deposit uma uthenga nge-hire purchase nokuyinto engenza abathengi bakhethe ukubolekwa imali - ngaphandle kokucabanga ngomthelela inzalo ezoba nawo ngokuhamba kwesikhathi.
lInzalo enkulu: Pho kwenzeka kanjani ukuba uNtombentsha agcine esekhokha inzalo engu-32,99 percent, eyeve ngo-150 percent kwesemthethweni engu-20 percent" "Lokho kudalwa wukuthi izitolo zilawulwa yimithetho elawula ababolekisa ngemali kodwa ebavikelayo abathengi," kusho uSiva Naidoo womnyango wezomnotho nezokuvakasha eKZN. "Kodwa zingakwazi ukufaka isicelo sokuba zikhishwe kwi-Usury Act zibize inzalo enkulu."
lAmaqhinga okudayisa:
UNtombentsha wayezovikeleka ukube wayeboleke imali endaweni ebhaliswe kwiMicro Finance Regulatory Council.
NgokweMFRC amaphepha esivumelwano kumele abhalwe ngolimi umuntu aluthandayo. UNtombentsha uzwa kahle uma ukhuluma naye ngesiXhosa kanti konke kwakuzomcacela kahle ukuba kwakubhalwe ngalolu limi.
I-HP yayingeke imsize ngalutho. Lokho kungenxa yokuthi izivumelwano zeHP zisayinwa esitolo othenga kusona ngokusho kukaSiva Naidoo. Isikhathi sokucabangisisa ngesivumelwano esikunika igunya lokusisula zingakapheli izinsuku ezinhlanu usinikwa kwi-timeshare, uma uthenga umuzi, nasezivumelwaneni ozisayina ungekho esitolo.[z]
Okungakusiza
Okwehlela uNtombentsha kuyakhombisa ukuthi kusiza kangakanani ukucabanga ngaphambi kokuthenga ngesikweleti ngoba inzalo oyikhokhayo yenza umehluko esikweletini osikhokhayo. Nazi ezinye izindlela ongathenga ngazo:
lNgokheshi: Ukonga imali ukuze uthenge ngokheshi kuzwakala kunzima. Kodwa uma ubheka ukuthi uNtombentsha wagcina esekhokha imali ephindwe kabili, ngabe akukuphathi kabi ukuphisana ngemali engaka"
lIstokifela: Siyazi ngezitokifela, kodwa uma nisebenza nibaningi ekhaya ningabonisana ngokuthi nihlanganisele imali nithenge ifenisha eniyifunayo.
lI-layby: "Yindlela enhle yokuthenga lena eSouth Africa," kusho uMark Ingham ocwaninga ngezezimali, "iyaziwa nakwamanye amazwe." Ngale ndlela wonga imali uqiniseke nokuthi okufunayo akugugi usakukhokhela.
lI-credit card: Uma kudingeka ukuba uthenge ngesikweleti, kokunye yi-credit card engcono kunokuthenga ngeHP. E-FNB babehlawulisa u-17 percent ngawabo ngesikhathi sishicilela lolu daba.
