Zulu.2313.debt
SIYAKUSIZA UKUZE UZISIZE ihlelwe nguPatricia McCracken
AWUWEDWA KULE MPI...
Baningi abantu abacwile ezikweletini, ngakho hamba ezinyathelweni zabazama ukuphuma kuzona ngokuhlela ibhajethi yakho.
Empeleni, u-70 percent wemali umuntu waseSA agoduka nayo emva kokuhola uphelela ezikweletini.
AbakwaFNB Home Loans bathole ukuthi abantu baseSA baphila ngale ndlela:
73% awusadli ngaphandle, uthenge iziphuzo noma ube namaphathi
58% awusazithengi kakhulu izingubo ezintsha
51% wehlise izindleko ze-cellphone
45% awusachithi imali eningi ekucwaleni izinwele nasezintweni zokugcoba
25% ubheka ukudla okushibhile uthenge okubalulekile kuphela kanti u-75% awusazithengi izinto zokuzijabulisa
21% wehlise izindleko zika-petrol nezokugibela
10% udayise imoto noma okunye okumqoka ngenxa yokuxakeka.
82 Ukuzikhipha ezikweletini
84 I-Testicular cancer 85 Lahla imithi ngokuphepha
86 Uthini umthetho: Ukukhwabanisa emsebenzini
88 Buza kuSis Sarah
90 Ezemithi
92 Ezabasha: U-Fat Charlie 94 Unyaka wokuqala enganeni
KULOLU SHICILELO
AMANDLA EMALI
ngabe kufanele ubalekele IZIKWELETI?
SONKE sike sibezwe abantu abathanda ukukhuluma bahleke abantu abazama ukuzikhipha ezikweletini zabo ngokuzikhokhela. Ngabe naye lowo muntu usuke ezikhohlisa? Kuliqiniso ukuthi amabhange nezitolo ezikweletela abantu zandisa isibalo sabangakhokhi kahle emabhukwini azo. Kodwa ungazikhohlisi ngokuthi bazokuyeka uma ubakweleta. Sebenzisa lezi zeluleko ezingumhlahlandela waMANDLA EMALI kaBONA ukuze uzikhiphe ezikweletini...
1. UMNGANI WAKHO OMUSHA
Okokuqala, amabhange nabanye ababolekisa ngemali bakhuthaza abanezikweleti abangakwazi ukukhokha ukuba beze kubona bazoxoxisana ngokuthi izikweleti bangazikhokha kanjani - kodwa lokho ngeke kusiqede isikweleti.
"Seluleka amakhasimende angakwazi ukukhokha izikweleti noma imali ayibolekile ukuba axhumane nathi ukuze sibonisane ngokuthi izikweleti zawo angazikhokha kanjani," kusho uLynette Nicholson wakwaFNB Home Loans.
Umphumela: Ungakwazi ukuma izinyangana ezimbalwa ungakhokhi uze ube namandla okukhokha isikweleti noma kuncishiswe imali oyikhokha ngenyanga. Lolu hlelo luzokwelula isikhathi sokukhokha isikweleti.
Yebo noma cha?: Lokho kuyawehlisa umthwalo emahlombe akho, kodwa kwenza ukuba isikweleti sakho siphuze ukuphela. Ngeke ukwazi nokwenza esinye isikweleti ngokweNational Credit Act entsha.
2. ABABASELA IZIKWELETI
Uma ungazishayi mkhuba izikweleti zakho ngethemba lokuthi obakweletayo bazokuyeka, ngeke ube nenhlanhla! Ababolekisa ngemali banemithetho abayisebenzisayo uma befuna abanezikweleti bengakazidluliseli kwabazozibasela.
Umphumela: Lokhu kuyasibambezela isikhathi sokukhokha, kodwa uzogcina usukhokha imali enkulu ngoba ababasela izikweleti banegunya lokufuna izindleko zabo konesikweleti.
Yebo noma cha?: Ukulinda uze uthintwe ababasela isikweleti kungakusiza kodwa umoya wakho ngeke ukuthole ukuphumula, kwehlisa isithunzi sakho kanti kungenza ukuba kube yinkantolo ezothatha isinqumo ngesikweleti sakho. Kungadliwa nefenisha yakho, imoto, indlu, noma okunye ukuze kukhokheke isikweleti.
3. UMA UFAKWE ENKANTOLO
Uma ungabanaki obakweletayo abazama ukukusiza uma unesikweleti, nabaqoqi bezikweleti abasuke befuna ukuba kulungiswe udaba lwakho, kungenza ukuba ugcine ufakwe enkantolo. Abaqoqa izikweleti basebenza ngesikhathi kanti uma ungaziphenduli izincwadi zabo kukhishwa amasamanisi. Uma wasayina amaphepha okuvuma ukuthi unesikweleti lapho kubolekwa khona imali, bangenza uhlelo lokuba isikweleti sibanjwe emholweni wakho uma ungasakhokhi.
Akusavumelekile manje ukusayina amaphepha okuvuma isikweleti ngokweNational Credit Act.
Umphumela: Ungawazibi amasamanisi ngoba inkantolo ingathatha isinqumo ngecala lakho ungekho. Lokho kuholela ekubanjweni kwemali emholweni wakho. Inkantolo yona iyakwazi ukuthatha isinqumo sokuba imali ibanjwe emholweni wakho. Uma uvela enkantolo ungakwazi ukucela emantshini ukuthi makungabanjwa imali enkulu.
Yebo noma cha?: Ngisho noma ungasheshe usiqede isikweleti sakho, ukungakhokhi kwakho kahle kuyochaphazela igama lakho iminyaka emihlanu.
Ukufakwa kwegama lakho ohlwini lwabangakhokhi kahle akusho ukuthi kufanele ukhohlwe yisikweleti sakho. Kusuke kusekukhulu okuzayo, kwexwayisa uManie van Schalkwyk oyiCredit Information Ombud.
Uma imantshi isayina umyalelo wokukhokha kwakho, inika inkampani oyikweletayo igunya lokukuthathela noma yisiphi isinyathelo somthetho ukuze kubuye imali oyikweletayo - kungathatha ngisho neminyaka engu-30! Uma leso sikhathi sishaya ungakakhokhi, kusazofakwa enye inzalo esikweletini sakho imali oyikweletayo ibe nkulu.
4. ABABALEKELA IZIKWELETI
Abanezikweleti abacabanga ukuthi bangazibalekela izikweleti zabo lokho bakwenza ngethemba lokuthi izikweleti zabo zizophelelwa yisikhathi. Yebo lokho kuyenziwa kodwa emva kweminyaka emithathu.
Kodwa icala lisulwa uma ungakaze ukhokhe noma ungakaze uvume ukuthi unesikweleti. Ngisho nokuthi "ngingathanda ukukhokha uma senginamandla" kulowo omkweletayo noma kumqoqi wezikweleti kungukuvuma ukuthi unesikweleti.
Umphumela: Akumnandi ukubalekela ukukhokha ngale ndlela. Kuzodingeka ukuba uhlale ubalekela abaqoqi bezikweleti nokuyinto engenza ukuba impilo ingabi mnandi.
Yebo noma cha?: Zimbalwa izinto ezingenza ukuba ukuphelelwa kwesikweleti yisikhathi kukusebenzele. Okokuqala, ungasizakala uma inkampani oyikweletayo iphelelwa yizimali. Abanezikweleti kuyona abalandelwa uma leyo nkampani ingakaziniki abaqoqi bezikweleti izincwadi zayo. Kokunye lokho kuthatha isikhathi eside kanti uma abaqoqa izikweleti bekuthola ungakwazi ukubatshela ukuthi isikweleti sesaphelelwa yisikhathi.
Okwesibili, uma oqoqa izikweleti ebasela isikweleti owama okwesikhashana wangasikhokhela kodwa osusiqedile manje, ungaba nesiqiniseko sokuthi uvikeleke ngokwanele ngokusulwa kwesikweleti.
5. ABAFUNA IZELULEKO
Lena yindlela enhle kakhulu yokuzivikela kwabantu abangazibalekeli izikweleti zabo kwababasela izikweleti - lokhu kubanika ithuba lesibili lokungathathelwa zinyathelo zomthetho uma behluleka wukukhokha.
I-National Credit Act yethule abantu abazosiza abeluleka abanezikweleti ukuze bahlolisise isimo sabo sezezimali bazame izindlela zokukhokhela izikweleti zabo. Ngonyaka odlule uBONA wenza uphenyo ngokuhamba kwalolu hlelo olusha ngonyawo lonwabu kanti namanje basengu-400 abeluleki abakhona ezweni. Kodwa baningi abasaqeqeshwa ezweni lonke - usizo ungaluthola kwi-legal aid clinic uma uludinga.
Umphumela: Uyasizakala ngoba kuba khona umuntu okusizayo ukuze ungabhekani nabantu obakweletayo uwedwa. Nizobonisana ngokuthi ungaba namandla okukhokha malini ukuze ukwazi ukubheka nezinye izidingo zakho zempilo. Ngale ndlela uzoba nesiqiniseko sokuthi akukho zinyathelo zomthetho ozothathelwa zona kanti uma lokhu ukwenze ungakathunyelelwa masamanisi, igama lakho ngeke lifakwe ohlwini lwabangakhokhi kahle.
Yebo noma cha?: Ukubukela isikweleti sakho sikhula ngeke kukuphathe kahle, kungadala umonakalo omubi empilweni yakho kwenze ukuba ungayithokozeli impilo nendlela ophila ngayo nomndeni wakho kanjalo nendlela osebenza ngayo. Ukuya kuleyo ndawo oyikweletayo nokuya kumeluleki wabanezikweleti kwenza ukwazi ukubhekana nezinkinga kukusize ngezindlela eziningi.[z]
Ngabe usucabanga ukubalekela izikweleti zakho? Nansi indlela yokubhekana nazo... Indaba nguPatricia McCracken
Kungaphela iminyaka engu-30 ubaselwa isikweleti sakho
NGUBANI ONGAKUSIZA?
1. National Credit Regulator: Uma ufuna izeluleko ngokubhekana nezikweleti, noma ukwazi ngokwelulekwa ngezikweleti noma ufuna ukuxhumana nomeluleki wabanezikweleti, cela usizo kwiNCR. Bashayele ucingo ku-0860-627-627; Website www.ncr.org.za
2. Credit Information Ombud: Uma ukholwa wukuthi igama lakho lifakwe ngendlela engafanele ohlwini lwabantu abangakhokhi kahle, iCIO ingakusiza. Bangakuchazela nokuthi igama lakho lihlala isikhathi esingakanani kulolo luhlu bakuchazele nangemboni yezokwebolekisa. Bashayele ucingo ku-0860-66-2837; e-mail ombud@creditombud.org.za; Website
www.creditombud.org.za
3. Council For Debt Collectors: Uma ufuna ukwazi ukuthi babiza malini abaqoqi bezikweleti noma ufuna ukukhala uma omunye wabo engakuphathanga kahle, shayela ku-012-804-9808; Website www.debtcol-council.co.za
