Gwema ukuqolwa uma unegama elibi
KULESI sikhathi esinzima somnotho kulula ukuthi abantu baqolwe abadayisi bezimoto ababathembisa izulu nomhlaba. Okunye osekuqala ukujwayeleka ukuqolwa kwabantu abanerekhodi elibi lokukhokha izikweletu.
Ungoti wezezimoto uSibonelo Myeni wenkampani iMoto Online uthe: “Laba baqoli bathembisa ukudayisela aabantu imoto kanokusho ngisho benegama elimbi ngoba bethi bona bayakwazi ukuvika umthetho we-Vehicle Finance okwenza umuntu onegama elimbi akwazi ukuthenga. Esingakutshela khona ukuthi, ungaheheki ungene kulezi zinhlelo ngoba zakhelwe ukukuqola kuphela,” kusho uMyeni.
Uthe muva nje kunomthengi owabona lolu hlelo kwelinye lamagaraji eThekwini lapho umthengisi wayethi ngisho linjani igama lakho ngokwezikweletu, uyakwazi ukukudayisela imoto ngesikweletu sasebhange.
“Umthengi wafuna i-SUV ephambili wafaka idiphozi kaR100 000 wase etshelwa ukuthi akakhokhe R15 000 ngenyanga kwi-akhawunti yesitolo. Into yokuqala nje ekhombisa ukuthi kukhona okunuka ntungwana eyokuthi uma uthenga ebhange elisemthethweni, imali oyikhokha nyanga zonke bayazithathela bona kwi-akhawunti yomthengi noma bakunike i-akhawunti ibhange, hhayi eyesitolo,” kuchaza uMyeni.
Uqhube wathi ngemuva kweminyaka emibili lo mthengi eyikhokhela le moto, wathuka kwaphela nasozwaneni lapho sekufika isikhonzi senkantolo sihambisana nabasebhange lapho bafika emsebenzini womthengi bezolanda imoto.
Uthe wathi uma ethi uyachaza ngokuthi imoto eyakhe futhi kade eyikhokhela, bamkhombisa amaphepha omnikazi wangempela wemoto owayiphindisa emuva eminyakeni emithathu edlule ngoba wayesengakwazi ukuyikhokhela.
“Kanjalo nje, imoto yathathwa kumthengi yacwila emalini. Umthengi uthe uma eya kwabomthetho ngalolu daba bamtshela lokhu:
Akukho mthetho omvunayo njengoba lokhu kudayiselana akwenza kuphula umthetho weNational Credit Act yona ethi:
Awukwazi ukuthenga ngesikweletu uma unegama elibi lokukhokha
Awukwazi ukuthenga imoto ngesikweletu ungenaso isivumelwano nomniki wesikweletu osemthethweni (Registered Credit Provider).
Imali yakhe yediphozi ngeke akwazi ukuyithola ngokomthetho ngoba ukusebenzisana kwakhe nomthengisi omqolile akukho semthethweni kukonke nje.”
UMyeni uthe lokhu kusho ukuthi umthengi ulahlekelwe u-R100 000 nemali elinganiselwa ku R360 000 aseyikhokhe eminyakeni emibili.
Lo ngoti ube esekhipha nanka amathiphu alandelayo umthengi okumele awazi ngokuthenga ngesikweletu:
- Akuhlale kusengqondweni ukuthi uma ususayine isivumelwano nebhange othenge ngalo imoto, awukwazi uvele ushintshe umqondo. Kumele wenze ngendlela yesivumelwano ngisho usuhluleka ukukhokhela imoto. Lokhu kusho ukuthi awuniki noma yimuphi umuntu ukuthi akaqhubeke nemali oyikhokha nyanga zonke. Thintana nebhange kuqala nixoxisane ngohlelo olibhongozayo uma usenkingeni.
- Akukho semthethweni webhange nababolekisa ngemali ukudlulisela inkontileka yakho yokukhokhela imoto komunye umuntu wesithathu (3rd party) esivumelwaneni sokuthenga imoto ngesikweletu. Kumele uxhumane nebhange lakho ubazise ngalo muntu ofuna ukukhokhela imoto. Ibhange lizokuchazela ngemigudu yalo okumele uyilandele ukuze nivumelane nalo muntu wesithathu osezokhokhela imoto.
- Khumbula ukuthi yize kunguwena othenge imoto ngesikweletu, akusiyona eyakho uze uqede ukukhokhela isikweletu ngokugcwele. Imoto oyithengile kusangeyebhange futhi uma ungahambisani nemithetho enavumelana ngayo uthenga imoto, bayakwazi ukuyifuna ibuye kubo imoto, bamise inkontileka bese befuna isinxephezelo semali sokuphula umthetho kuwena mthengi.
- Imoto engakaqedi ukukhokha isikweletu ngokugcwele ayikwazi ukudayiselwa omunye umuntu ngoba ibhuku elikhombisa umnini wemoto (log book) lisuke lisebhange. Lokhu kusho ukuthi nakumthengi ofuna imoto kodwa ingenayo i-log book, akathengi ngokusemthethweni uma ingekho futhi ingakashintshi imininingwane yomnini wemoto kulona leli bhuku.
- Uma kukhona umuntu othi yena umele ibhange lakho leli othenge kuyo imoto futhi ufuna ukuyithatha, thintana nebhange kuqala ngaphambi kokuthi uze uxoxisane nalowo muntu.
- Khumbula ukuthi uma ibhange lizothatha imoto engakhokheliwe, lifikisana nesikhonzi senkantolo. Isikhonzi kuvumelekile ukuthi ucele sikukhombise amaphepha akhombisa ukuthi ngempela sisemthethweni. Isikhonzi sisebenza ngesikhathi somsebenzi kuphela okusho ukuthi phakathi kuka-8 ekuseni no-5 ntambama phakathi nezinsuku. Isikhathi esingaphandle kwaleso, akusona esomsebenzi wabo ngokusemthethweni.
- Uma kugcina ithathwa imoto ngokusemthethweni, landelela nebhange lakho ukuthi kugcine kwenzekeni mayelana nokudayiswa kwayo nohlelo lwenkontileka yakho nalo ibhange njengoba imoto ingasekho. Ungadembeseli ushiye kanjalo ngoba uthi imoto yakho ayisekho ngoba kungenzeka ithathwe abadayisi mbumbulu bayinike omunye umuntu wena usale nesikweletu.