Akuqhutshekwe kuboshwe izifociya kukhokhwe izikweletu
EZABATHENGI
NGESONTO eledlule sithole izindaba ezimnandi zokuthi iNingizimu Afrika isiphumile kwinzikamnotho.
Lezi zindaba ezimnandi azisho ukuthi abantu baqale izikweletu ezintsha kwazise izazi zomnotho zithi abantu kufanele basebenzise lesi sikhathi ukukhokhela izikweletu abanazo.
UNkk Mamello Matikinca oyisazi somnotho kwaFNB uthe abakubonile wukuthi abantu bebebophe izifociya ngenxa yokuthi bebengenayo imali.
Muva nje uveze ukuthi abantu bathenga kakhulu izimpahla zokugqoka, izicathulo, wukudla neziphuzo ezingenabo utshwala.
“Ukuthuthuka komnotho ngo-2.5% akusho ukuthi abantu abayeke ukubopha izifociya kodwa kusho ukuthi mabasebenzise amasenti asalayo ukuqeda izikwelet abanazo,” kusho uNkk Matikinca.
Ube esenikeza amasu alandelayo okuthi abantu kufanele baqinisekise ukuthi amagama abo ahlanzekile.
Ubalule ukuthi nyanga zonke izinkampani ezibhekelela izikweletu zabantu zenza ucwaningo lokuthi umuntu unezikweletu ezingakanani, uzikhokhela kanjani bese eba negama elihle noma elibi ngendlela aziphethe ngayo.
Uthe kufanele abantu baqinisekise ukuthi bakhokhela izikweletu zabo ngesikhathi futhi uma ikhona indlela basheshe baziqede.
Umuntu ukwazi ukubona isimo sakhe sezikweletu ezinkampanini ezihlukene okubalwa iCompuscan, Experian, TransUnion neXDS.
Ngokwemininingwane ekwi-website yakwaTrans Union kuvela ukuthi umuntu onegama elihle kufanele abe namaphuzu angu-720.
Amaphuzu angu-720 akwenza ube sethubeni elihle lokuthenga umuzi kanti angu-680 akubeka ethubeni elihle lokuthola izinhlobo ezihlukene zezikweletu.
AbakwaTransUnion bathe kubalulekile ukuthi umuntu abe negama elihle ngoba lokho kwehlisa nenzalo emba eqolo evamise ukukhokhwa ngabanegama elibi.
“Uma umuntu ethenga imoto ngo-R5 000 mhlawumbe akanyo i-deposit, onegama elihle mhlawumbe kuzothiwa makakhokhe inzalo ka-5% kuthi onegama elibi akhokhe inzalo ka-15% ngoba abantu abakweletelayo bafuna ukubuyisa imali yabo uma sekwenzeka engakhokhi yingakho inzalo imba eqolo,” kusho abakwaTransUnion.
Baphinde badonsa abantu ngendlebe ukuthi baqinisekise ukuthi babheka izitatimende zabo zasebhange ngoba kunezinkampani ezidonsa o-R99 no-R59 okuyimali encane kodwa ekwazi ukwenza umuntu abukeke sengathi unezikweletu eziningi.
Bathe ezinye izinkampani umuntu usuke engadalanga isikweletu kuzo kodwa zingosomathuba abaqola umphakathi onganakile.
Baxwayise nabantu abakhithiza kuze kweqe ngama-credit card ukuthi bawuyeke lo mkhuba ngoba ungcolisa igama labo.
Ukuthola kabanzi ngesimo sakho sezikweletu ungashaya u-*120*27778# ulandele imiyalelo abakunika yona.
Icredit health ikhiphe le mininingwane yezinkampani ezisiza abathengi okuyiCompuscan etholaka ngokushayela u-0861 514 131, Experian 0861 105 6665, TransUnion 0861 886 466, XDS 011 645 9100.
Ungavakashela ne-website www. credithealth.co.za ukuthola imininingwane ezokusiza njengomthengi.
Kuleli sonto ngibhalelwe ngomunye umfundi wethu ekhala ngokuthi ufice imali yakhe ingasekho ebhange.
Kulesi simo sicela abafundi babike ebhange bese beyovula necala emaphoyiseni. Uma ibhange linqaba ukumsiza kufanele akhale kumxazululi wezinkinga zamabhange u-ombudsman for banking services www.obssa.co.za naku-011-712-1800.