zulu.2836.credit act
Ukubhekana nesikweletu
ElaseSA linazo zonke izindlela zokusiza abanezikweletu, kodwa ngabe ziyasebenza" Asibheke ukuthi ungasizakala kanjani...
indaba nguPATRICIA McCRACKEN
SIKWELETA kakhulu kunakuqala ngokweSA Reserve Bank - kanti sikweleta u-three-quarter wemali esiyiholayo! Kusho ukuthi izikweletu zethu sezikhuphuke ngengxenye eminyakeni emihlanu kusukela ngo-2002...
Sizokuthenga ngani ukudla nezingubo, siyikhokhe ngani imali yesikole neyokugibela uma siya emsebenzini njengoba sinezikweletu ezingaka"
I-National Credit
Act entsha enemithetho ethanda ukuqina eqale ukusebenza ngomhlaka 1 June kulo nyaka ingasisiza ukuze singabuswa yizikweletu kanti iqale ukusebenza amazwe anjengeMelika esabhekene nenkinga yokushaya imithetho eqinile yokulawula izikweletu ngokukaCees Bruggerman wakwaFNB.
Kodwa ngabe iNational Credit Act iyakusiza" Uma ingakusizi, yini ongayenza"
UBONA unalo mhlahlandlela wokubhekana nezikweletu...
1. Abeluleka ngezikweletu
NgokweNational Credit Act entsha kufanele sibe nabeluleki abazosisiza ekuxazululeni izinkinga zezikweletu. Ungaxhumana nabo ngokwakho noma kube yinkantolo yemantshi ezokuxhumanisa nabo. Umeluleki unezinsuku ezingu-60 zokukudwebela uhlaka lokukhokhwa kwesikweletu oluzogunyazwa yinkantolo noma axhumane nobakweletayo.
Nakuba isigaba sokuqala salo mthetho siqale ukusebenza ngoJune 2006, uhlelo lonke lusemapeketwane ngoba uMnyango wezoHwebo nezeziMboni awukazethuli izindleko zokusebenza kwalo.
Yebo, lolu hlelo lungakusiza kodwa usizo alutholakali mahhala.
Ungakhokha kusukela ku-R50 ngesikweletu kanti uma izindleko sezizonke zingaba phakathi kuka-R500 no-R1 500, kokunye zibe ngu-R3 000 uma ukweleta abantu abahlukahlukene.
Uma kubiza kangaka, ungagcina usuzibuza ukuthi pho kuzokusiza ngani ukufuna usizo lwabeluleki ngoba usuke usazokhokha isamba semali oyikweletayo kanye nenzalo.
Ngabe laba beluleki bathembeke kangakanani" Abasiza abathengi kanye nabasendimeni yezikweletu bakhathazekile ngokuthi abakweletisayo bazowephula umthetho obalawulayo baqhubeke nomkhuba wabo wokuhlukumeza abathengi ngoba abeluleka ngezikweletu babekelwe iminyaka emibili yokwenza umsebenzi wabo.
Abalwela abathengi kubuye kubamangalise ukuthi laba beluleki akudingeki ukuba baze babe no-matric noma baqeqeshelwe ukwenza lo msebenzi.
2. I-National Consumer Tribunal
Ingxenye emqoka kwiNational Credit Act entsha yileyo yokulwa nokukweletelwa budlabha. Uma ungaba nobufakazi bokuthi isikweletu osinikwe kusukela ngoJune 1 kulo nyaka singumthwalo emahlombe akho, ungafaka icala lokukweletelwa budlabha - okukweletelile kuzodingeka ukuba asisule leso sikweletu. Kodwa iNational Consumer Tribunal, okufanele icubungule lokho sibhale lolu daba ingakanikwa amandla okusebenza ngokugcwele.
Akunamithetho esiphasisiwe ngokukaDiane Terblanche ongusihlalo weNCT. Abathengi abakholwa wukuthi bakweletelwe ngaphandle kokucatshangelwa ngeke bakwazi ukusebenzisa lesi sikhali.
3. Thola i-Ombud
Abathengi abavikelekile kahle eSouth Africa kanti izizinda ezibekelwe ukuxazulula izikhalo zabo azisetshenziswa ngokwanele. Kungenzeka ukuthi lokho kudalwa wukuthi abathengi abanalwazi ngazo noma abakwazi ukuzithola kalula.
Uhulumeni sewethule ithimba labaphenyi abazobheka izikhalo mayelana nezimpesheni, ama-medical schemes nababolekisa ngezimali. Kodwa abathengi banenkinga yokungaphendulwa kwezingcingo abazishayayo.
Zingaphezulu kwekota izingcingo ezingaphendulwanga abeFinancial Services Board ngonyaka odlule.
Amabhange, ama-credit bureaus nezinkampani zemishuwalense sebeqashe i-ombud ezosiza abathengi abanezikhalo. Ezinye izinhlangano ezimele abathengi kungazijabulisa ukubona abasiza abathengi benikwa amandla athe xaxa okusebenza ngokuzimela.
Kukhona nezinhlangano zezimboni ezingenayo i-ombud ezimele kodwa ezizamayo ukusiza abathengi. Kuzona kukhona iMicro Finance South Africa, iMaster Builders' Association neFurniture Traders' Association.
Zingu-1 200 izikhalo ezixazululwa yiFTA ngonyaka ngokombiko wakwaFinMark - sincane kakhulu leso sibalo njengoba benezimboni ezingu-4 000 ezingamalungu abo.
Nakulezi zinhlaka ezisiza abathengi isekhona inkinga yezindleko. Usizo lwalezi zinhlangano nolwama-ombuds uluthola mahhala kodwa uyakukhokhela ukuxhumana nabo nge-cellphone noma nge-fax. Kuba lukhuni kakhulu ukubathola ngoba bavame ukuba nehhovisi elilodwa ezweni lonke.
4. Amahhovisi abathengi ezifunda
Kufanele uqale uthole kulama hhovisi ukuthi isikhalo sakho ungasethulaphi. Kodwa amanye awo asebenza kangcono kunamanye kanti ngesikhathi abeFinMark benza ucwaningo, bahluleka wukuphendulwa ngocingo ngesikhathi beshayela amahhovisi asezweni lonkana.
Lokhu kungesinye sezibonelo ezifakazela ukuthi abathengi abasizakali ngokugculisayo eSA.
5. Cela usizo lomngani
AbakwaFinMark bathole ukuthi usizo ungaluthola ezinhlanganweni zomphakathi, ezinhlanganweni ezizimele nasemahhovisi abe-legal aid. Kulezi zindawo ungathola abantu abanolwazi ngokulwela amalungelo abantu abangathanda ukukusiza. Kodwa ngokwabeFinMark, kufanele bazame ukuqoqa ulimi uma bexoxisana nobakweletayo ukuze kungonakali amathuba okuthi bakuzwele.
6. Abaphatha izikweletu
Kulula ukuthola abazokuphathela izikweletu zakho ngoba banezikhangiso ezibhalwa ukuthi "sizokwehlisela imali ozoyikhokhela izikweletu zakho" noma bathi "khokhela izikweletu zakho kalula." Kodwa ukuphathelwa isikweletu kugcina sekubiza kakhulu kunokuzikhulumela nobakweletayo nibonisane ngemali ongaba namandla okuyikhokha.
Abakuphathela izikweletu babamba imali enkulu ezoza ngakubona kuleyo oyikhokha nyanga zonke bakhokhele obakweletayo imali encane. Abaphatha izikweletu ababhalisiwe njengemboni kanti akudingeki ukuba baze babe nezitifiketi ezithile ukuze benze lo msebenzi.
Uma okuphathela isikweletu engasiphethe kahle, ungaya enkantolo kamantshi ufake isicelo sokusizwa omunye.
Kodwa lokho akuvamile ukwenzeka ngoba bambalwa abathengi abanolwazi ngako kanti abaningi bavame ukucela usizo lwabantu abaqeqeshiwe.
7. Zivikele
Kulula ukungena esikweletini kunokuphuma kusona. Zikhona izindlela nezinhlangano ezingakusiza kodwa kudingeka ukuba ube nesineke ukuze uthole usizo olugculisayo.
Kodwa ungazivikela.
"Kusemqoka ukuba ngumthengi ohlome ngolwazi ovikeleke kahle," kusho abakwaFinmark. "Uyakwazi ukukhetha kahle uzilwele ngendlela efanele." [z]
BONA ZULU - November 2007
Wena neCredit Act entsha
Zicabangele wenze 'isikweletu esihle' njengesokuthenga imoto, umuzi noma uvule ibhizinisi lakho kunokwenza 'isikweletu esibi' njengokuthenga ukudla noma izingubo ngesikweletu.
BONA ZULU - November 2007
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Kulula ukuba nesikweletu, kunzima ukuphuma kusona
I-National Credit Act iqale ukusebenza ngoJune, kodwa njengoba imithetho yokusebenza kwayo itholakale ingaphelele - eminye itholakale ngomzuzu wokugcina - ngeke kube lula ukuba nesithombe esicacile mayelana nokuthi yenza muphi umehluko kwabanezikweletu eSA.
Nazi izinhloso zayo ezimqoka:
WUKUVIKELA obolekayo - hhayi umbolekisi, ikakhulu uma obolekayo ebona ukuthi uzoba nenkinga yokukhokha isikweletu. Okuhle wukuthi manje usuzocatshangelwa kangcono kunakuqala uma ufuna isikweletu. Okubi wukuthi akusibo bonke ababolekisi abakwenzayo lokho.
WUKUNQUNDA amandla abakweletisi. Isicelo sakho sokukweletelwa sisazochithwa kodwa kufanele utshelwe isizathu sokuchithwa kwaso.
WUKULAWULA indlela imikhiqizo emakethwa ikhangiswe ngayo.
WUKUKUNIKA ITHUBA LOKUKHETHA - ngaphambi kokusayina izivumelwano zokukweleta nikwa incwadi ekunika izinsuku ezinhlanu zokubheka okunye ongakuthenga noma ushintshe umqondo uma uthanda.
WUKUCUBUNGULA izivumelwano zokukweleta. Kufanele kube khona imininingwane efakwayo kungafakwa okuzocindezela okweletayo.
WUKUQEDA ISIKWELETU - usuzokwazi ukuqedela isikweletu ngaphandle kokufaka inothisi - kodwa ezikweletini ezinkulu kufanele ufake inothisi yenyanga.
WUKUNIKA ULWAZI - lo mthetho ulawula ukusebenza kwama-credit bureaus ukunike igunya lokunikwa umbiko owodwa mahhala ngonyaka mayelana nezikweleti zakho ukuze uwuhlole ubone ukuthi uyiqiniso yini.
Indlela iNational Credit Act eshintshe ngayo isikweletu sakho
