Ufundile ukuhlala ngaphandle kwamatyala?

Phantse u-50% wabantu baseMzantsi Afrika basematyaleni. Singakunceda namhlanje. Njengeengcali ezibhalisiweyo siya kuhlala sikunika ezona ngcebiso zilungileyo kwaye siqinisekisa ukuba umdla wakho uyakhathalelwa.

Yiba nemali enintsi epokothweni

Khusela indlu yakho kunye nemoto

Ukuze ufikelele kwiingcali zezezimali

Thetha nomcebisi ngamatyala

Email mePhone me

Ufundile ukuhlala ngaphandle kwamatyala?

Phantse u-50% wabantu baseMzantsi Afrika basematyaleni. Singakunceda namhlanje. Njengeengcali ezibhalisiweyo siya kuhlala sikunika ezona ngcebiso zilungileyo kwaye siqinisekisa ukuba umdla wakho uyakhathalelwa.

Yiba nemali enintsi epokothweni

Khusela indlu yakho kunye nemoto

Ukuze ufikelele kwiingcali zezezimali

Speak to a debt counsellor

Email mePhone me

Thetha nomcebisi ngamatyala

Themba, your personal debt adviser, is ready to help. He will keep your information private and confidential.

Uhlawula kancinci ngenyanga

Sinokukunceda ukunciphisa iitolimenti zakho ukuya kuthi ga kwiipesenti ezingama-50 kwaye ube nemali eyaneleyo yeendleko zemihla ngemihla.

Khusela indlu yakho kunye nemoto

Indlu yakho, imoto kunye nezinye izinto zikhuselekile ngaphandle kokuba uhlawula izibonelelo zakho ezihlawulelwayo zenyanga nenyanga.

Ngaba uyafuna ukuhlawula imali ephantsi?

Sikwalathisa kuhlolo lwamatyala, sikwazi ukuba nenze iintlawulo ezincinci eninokuzihlawula

  Our lawyers on your side

We can help you reduce your installments by up to 30% and have enough money for day-to-day expenses.

Done on your behalf

ezDebt makes creditor negotiations easy by communicating on your behalf. You won’t have to talk to your creditors.

Protect your house and car

Your house, car and other possessions are safe provided you pay your reduced, provisional affordable monthly installments.

Ngaba uyafuna ukuhlawula imali ephantsi?

Sikwalathisa kuhlolo lwamatyala, sikwazi ukuba nenze iintlawulo ezincinci eninokuzihlawula

 

IxeshaImali UbuyibhatahaImali OzoyibhatahaEhlisiwe
Ubunini bePropathiR5 000 nge nyangaR4 250 nge nyangaR750
Imali YezithuthiR3 000 nge nyangaR2 400 nge nyangaR600
Iiakhawunti zempahlaR3 000 nge nyangaR1 500 nge nyangaR1 500
Mali mbolekoR2 500 nge nyangaR1 250 nge nyangaR1 250
ZONKER13 500 nge nyangaR9 400 nge nyangaR4 100
Ixesha
Iiakhawunti zempahla
Imali Ubuyibhataha
R3 000 p/m
Imali Ozoyibhataha
R1 500 p/m
ZONKE
R1 500 p/m

Our friendly staff are here to help

We keep your information private and protected. We are here for you and happy to answer any of the questions you may have about our debt review solutions. Reach out to us and we’ll respond as soon as we can. Feel free to contact us with the method that suits you best.

Your personal debt adviser is ready to help.

EzDebt helped me breathe

”ezDebt helped me breath when I found myself drowing in financial debt. Aaqela is a consultant who excises empathy towards her client. Debt reivew has been the best decision I have made this year. Thank you so much Aaqela I am grateful for your personal touch God Sees everthing and he knows what is in your heart so he shall Bless you sinserily if you help me whole hartedly” Jane M, EzDebt customer in 2018

Anathi wants to help you live debt-free

Speak to your personal debt counsellor

EzDebt helped me breathe

”ezDebt helped me breath when I found myself drowing in financial debt. Aaqela is a consultant who excises empathy towards her client. Debt reivew has been the best decision I have made this year. Thank you so much Aaqela I am grateful for your personal touch God Sees everthing and he knows what is in your heart so he shall Bless you sinserily if you help me whole hartedly” Jane M, EzDebt customer in 2018

Anathi wants to help you live debt-free

Speak to your personal debt counsellor

Unemibuzo malunga nokuhlaziywa kwetyala?

Fumana iimpendulo kwimibuzo ebuzwa rhoqo malunga nokucebisa ngamatyala. Silapha ukuphendula yonke imibuzo yakho

Ndiza kuhlawula malini kubanikezeli betyala ngenyanga?

Umcebisi we-ezDebt oqeqeshiweyo uya kusebenzisa uhlahlo-lwabiwo mali kwaye anike iingcebiso ngexabiso elifanelekileyo elinokuhlawula ababoneleli bamatyala. Esi sixa-mali siyakugqitywa emva kokuba iinkonzo zabathengi ziphinde zichaze abo baxhomekekileyo kubo.

Kutheni ababoneleli ngetyala benganciphisi inzala kuzo zonke iimeko?

Ngokomthetho weSizwe wamaTyala, ababoneleli ngetyala akufuneki banciphise inzala. Iindaba ezimnandi kukuba ababoneleli ngetyala abaninzi bazimisele ukunciphisa iinzala ukuze umboleki aphume ematyaleni ngexesha elifanelekileyo. Ngokomthetho weSizwe weTyala (i-NCA) ababoneleli ngetyala akufuneki banciphise inzala. iindaba ezimnandi kukuba ababoneleli ngetyala abaninzi bazimisele ukunciphisa iinzala ukuze umboleki aphume ematyaleni ngexesha elifanelekileyo. Ukuba ityala liza kuhlawulelwa kwiinyanga eziyi-60 okanye ngaphantsi (amatyala angakhuselekanga anjengemali mboleko , amakhadi evenkile kunye namakhadi etyala) kunokuba uninzi lwabanikezeli bekhredithi bayakwamkela isicwangciso esitsha sokuhlawula. Ukuba isicwangciso esitsha sokuhlawula sigqithisiwe ngaphezulu kwexesha e0ligqithisiweyo, ke uninzi lwababolekisi luya kusala isicelo kwaye akuyi kuncitshiswa

Umntu luhlala ixesha elingakanani evaliwe eMzantsi Afrika?

Uya kuhlala ufakwe kuluhlu lwabamnyama apha eMzantsi Afrika logama ityala lingakahlawulwa, uyawuhlala apho logama ungahlawuli ityala lilityala. Nangona kunjalo nje ukuba ityala lihlawulwe ngokupheleleyo, ke inkampani ekubhalile ngegama kwi-ITC kufuneka ithumele ileta kubo ibazisa ukuba ityala lihlawulwe kwaye inike imvume yokuyisusa. Kwindlela ekhawulezayo neyona ikhuselekileyo yokususa ubume bakho bohlu lokumnyama eMzantsi Afrika, faka inkqubo yokuhlaziywa kwetyala nge-ezDebt kwaye uthathe amanyathelo akho okuqala acoce igama lakho.

Ngaba kufuneka ndiye kudliwanondlebe ukuze ndifake isicelo sesisombululo samatyala?

Hayi awunakuya. Udliwanondlebe olusemthethweni olwenziwe kwizakhiwo ze-ezDebt aludingeki ukuze uthenge isisombululo samatyala. Uninzi lweenkqubo ezinxulumene namatyala zinokusingathwa kwifowuni, nangona kunjalo, amaxwebhu athile kufuneka atyikitywe ngabathengi kwaye abuyiselwe kumcebisi wamatyala.Ukubhalisela enye ye-ezDebt izisombululo ezisebenzayo nezithembekileyo zamatyala kwenziwa ngomnxeba nange-imeyile. Oku kuqinisekisa ukuba inkqubo iqhutywa ngokukhawuleza nangokukhawuleza, ukugcinela ixesha kunye nemali.Inkqubo yesicelo ye-ezDebt ikhuselekile kwaye ithembekile, njengoko enye yeezDebt iingcali zezezimali ziya kukunceda ngenyathelo ngalinye lendlela. Lonke ulwazi lomntu kunye nolwezezimali lugcinwa luyimfihlo kwaye amanyathelo afanelekileyo enziwe yinkampani ukuze aqiniseke ukuba umthengi ukhuselekile.Imihla ngemihla, abacebisi bezemali be-ezDebt kunye neqela leenkonzo zabathengi ziyafumaneka ukuze zixoxe ngemibuzo yezemali kunye nezihloko ezinxulumene nenkonzo ngalo naliphi na ixesha, zikwenza ukuba uhlale ngaphezulu kwetyala lakho.I-ezDebt iqinisekisa ukuba bonke abasebenzi balandela imithetho yenkampani; ukugqwesa ngenkonzo, iqhayita, abantu abakhulayo, ukucinga phambili, ukuthembeka kunye nokuphendula ngenjongo yokuqhuba ishishini ngeyona ndlela isebenzayo nefanelekileyo. Ndingakwazi ukungabandakanyi iibhondi (iimali mboleko zamakhaya) kuhlaziyo lwamatyala Hayi awunakuya. Udliwanondlebe olusemthethweni olwenziwe kwizakhiwo ze-ezDebt aludingeki ukuze uthenge isisombululo samatyala. Uninzi lweenkqubo ezinxulumene namatyala zinokusingathwa kwifowuni, nangona kunjalo, amaxwebhu athile kufuneka atyikitywe ngabathengi kwaye abuyiselwe kumcebisi wamatyala.Ukubhalisela enye ye-ezDebt izisombululo ezisebenzayo nezithembekileyo zamatyala kwenziwa ngomnxeba nange-imeyile. Oku kuqinisekisa ukuba inkqubo iqhutywa ngokukhawuleza nangokukhawuleza, ukugcinela ixesha kunye nemali.Inkqubo yesicelo ye-ezDebt ikhuselekile kwaye ithembekile, njengoko enye yeezDebt iingcali zezezimali ziya kukunceda ngenyathelo ngalinye lendlela. Lonke ulwazi lomntu kunye nolwezezimali lugcinwa luyimfihlo kwaye amanyathelo afanelekileyo enziwe yinkampani ukuze aqiniseke ukuba umthengi ukhuselekile.Imihla ngemihla, abacebisi bezemali be-ezDebt kunye neqela leenkonzo zabathengi ziyafumaneka ukuze zixoxe ngemibuzo yezemali kunye nezihloko ezinxulumene nenkonzo ngalo naliphi na ixesha, zikwenza ukuba uhlale ngaphezulu kwetyala lakho.I-ezDebt iqinisekisa ukuba bonke abasebenzi balandela imithetho yenkampani; ukugqwesa ngenkonzo, iqhayita, abantu abakhulayo, ukucinga phambili, ukuthembeka kunye nokuphendula ngenjongo yokuqhuba ishishini ngeyona ndlela isebenzayo nefanelekileyo. Ndingakwazi ukungabandakanyi iibhondi (iimali mboleko zamakhaya) kuhlaziyo lwamatyala

Ndingakwazi ukungabandakanyi indlu (iimali mboleko zasekhaya) kuhlolo lwamatyala?

EzDebt ayikukhuthazi ukuba ungabandakanyi imali mboleko yakho yekhaya kwinkqubo yokuhlaziywa kwamatyala. Umthetho wamaTyala leLizwe usebenze ngokubandakanywa kwemali mboleko yakho yasekhaya kwinkqubo yokuhlaziywa kwetyala, ukunceda abathengi ekugcineni amakhaya abo. I-NCA ifuna ukuba zonke izivumelwano zamatyala zibandakanywe kuhlolo lwamatyala.Umthetho wamaTyala weLizwe usebenze ngokubandakanywa kwemali mboleko yakho yasekhaya kwinkqubo yokuhlaziywa kwetyala, ukunceda abathengi ekugcineni amakhaya abo.  I-NCA ifuna ukuba zonke izivumelwano zamatyala zibandakanywe kuhlolo lwamatyala. Ukongeza ngokubandakanya imali mboleko yakho yasekhaya phantsi kwengcebiso ngamatyala, ezi ngcebiso zilandelayo kufuneka zithathelwe ingqalelo kwaye ziya kunceda ekuqinisekiseni ukuba uyakwazi ukuhlawula ityala lakho akukho xesha. Ukunciphisa inzala kuzo zonke iintlawulo zamatyala ezikhoyo, kunye nezinye iindleko zenkcitho, ngenkqubo yokucebisa ngetyala sisisombululo esifanelekileyo de ube uhlawule onke amatyala akho angakhuselekanga kwaye, kuyakuvumela ukuba ubuyele kwikhaya lakho eliqhelekileyo. iimali mboleko.Xa uphantsi kwengcebiso malunga namatyala kungcono ukubandakanya imboleko mali yakho yasekhaya njengokuhlawulwa kwetyala lakho kwimali mboleko yakho ngokuthi ubandakanywe kuhlolo lwamatyala. Intlawulo yetyala kufuneka ilingane okanye malunga no-80% yentlawulo yesivumelwano. Oku kungayandisa imirhumo yokuhlawula ngo-20%, ukwenza ukubhatala ityala ngenyanga kube sisixa esifikelelekayo. Abacebisi ngamatyala baya kuhlola izivumelwano zakho zamatyala kwaye babone ukuba ulixhoba lokubolekiswa ngokungakhathali. Kwimeko apho ityala libolekiswe ngokungafanelekanga kumthengi, inkundla inokuya enkundleni ukuze ichaze ukuba ityala alinamali kwaye ukuhlawulwa kwetyala oko kuya kucinywa. Oku kuyakuqinisekisa ukuba umxumi ubekwe kwindawo engcono yezemali kwaye anyuse ukuboleka kwamatyala abo. Abacebisi kumatyala emali baya kuhlola ngokufanelekileyo iindleko zakho zokuhlala kunye nemeko yezemali ngokwenza uhlahlo-lwabiwo mali olufikelelekayo lwenyanga kunye nokuqinisekisa ukuba wenze eyona mali iphakamileyo ikhoyo yokujonga ityala. Oku kuyonika ababoneleli ngetyala uxolo lwengqondo, njengoko baya kwazi ukuba umcebisi ngetyala unegalelo elibonakalayo kumthengi ekuhlawuleni amatyala abo.

What is a credit report?

Credit reports display both positive and negative information based on the actions you have taken with regards to your credit. The following information may be present on your credit report: Credit report information: Credit reports display both positive and negative information based on the actions you have taken with regards to your credit. The following information may be present on your credit report: 1. Defaults: A persistent default will show up on your credit report if you have not paid an account for three or four months or if you are regularly late in paying your accounts. A persistent default will be displayed on your account before a judgement is taken and will show up on your credit record for up to two years. 2. Judgements: A judgement is listed on your credit report for the duration of five years. If you default on payment, a credit provider will obtain a judgement against you. Once this has been done, a court will authorise an order that permits money to be to be deducted from your salary. As an alternative, your positions, such as your house will be repossessed. 3. Administration orders: Administration orders are a form of insolvency. A court will appoint an administrator to distribute a set monthly amount to all of your creditors, on your behalf, in order to ensure that your debt repayments are made. An administration order will appear on a credit record for up to 10 years unless it has been rescinded. 4. Sequestrations: Sequestration is a legal process whereby you surrender your estate as you are deemed insolvent by court order. A sequestration is an option for an individual who has exhausted all their other options of resolution and therefore the court will appoint a trustee to sell the consumers assets and then proceed by distributing all the proceeds according to the Insolvency Act. The sequestration process is implemented in order to write off all your debts, however, once you enter into the process you are no longer able to access any further credit. Unless sequestration enables you to rehabilitate your financial situation and pay all your creditors, the fact that you have been sequestrated will stay on your credit record for 10 years. However, if your creditors have been repaid after going through the process of sequestration, all information that led to your sequestration will be removed from your credit report, however, for a period of five years your credit report will state that you have been rehabilitated. 5. Debt Counselling: If you go under debt counselling, the information related to the debt counselling process will be displayed on your credit record. The debt counselling process fundamentally consists of a debt counsellor negotiating with your credit providers on your behalf, in order to find an agreed budget whereby your interest rates are reduced and the payment terms are extended in order to ensure that all your debts will be paid off over a maximum period of 60 months. When under debt counselling, you are no longer able to access further credit until your debts have been paid off and you have received a clearance certificate. If your home loan has been included in the debt counselling process, the repayment terms are extended to 20 years, this stating that you will not be able to access any further credit until your home loan has been paid off. 6. Enquiries: When a credit provider requests to review your credit report in order to establish whether or not to grant you credit, it will be listed on your credit report. Enquiries will be displayed on your credit report for period of two years. According to the National credit Act (NCA) credit reports are confidential and can only be viewed if given permission and by those who have a prescribed purpose or are prospective employers associated with an occupation that requires immense trust and honesty, whereby the handling of money is involved. Thus, it is important for enquiries to be listed on your credit report in order for you to know who has viewed it. How to read your TransUnion Credit Report? A credit report is something that is extremely difficult to understand, as well as get useful information from if you have never seen one before. However, in writing, it is difficult to explain how to read a credit report and thus, the best thing to do would be to contact TransUnion and request their assistance in helping you read your credit report.

Ulwazi lwengxelo yetyala?

Iingxelo ngetyala zibonisa zombini iinkcukacha ezakhayo nezingalunganga ngokusekelwe kumanyathelo owenzileyo malunga nekhredithi yakho. Olu lwazi lulandelayo lunokubakho kwingxelo yakho yetyala: 1. Ezona zinxaxhileyo: Ukusilela okungapheliyo kuya kubonakala kwingxelo yakho yamatyala ukuba awukhange uyihlawule i-akhawunti kangangeenyanga ezintathu okanye ezine okanye ukuba ufike kade ekuhlawuleni iiakhawunti zakho. Ukungaphumeleli okungapheliyo kuya kubonakala kwiakhawunti yakho ngaphambi kokuba kuthathwe isigqibo kwaye kuya kubonakala kwirekhodi lakho letyala ukuya kwiminyaka emibini. 2. Izigwebo: Isigwebo sidweliswe kwi-akhawunti yakho yetyala ixesha leminyaka emihlanu. Ukuba uyasilela ukuhlawula, umnikezeli wekhredithi uya kufumana isigwebo ngakuwe. Nje ukuba kwenziwe oku, inkundla iya kugunyazisa umyalelo ovumela ukuba imali ikhutshelwe kumvuzo wakho. Njengolunye uhlobo, izikhundla zakho, ezinjengendlu yakho ziya kuphinda zibekho. 3. Imiyalelo yezolawulo: Ii-odolo zoLawulo ziyindlela yokuhlawula amatyala. Inkundla iya kumisela umlawuli ukuba ahambise imali ebekiweyo yenyanga kubo bonke ababolekisi, egameni lakho, ukuze kuqinisekiswe ukuba intlawulo yakho yetyala yenziwe. Umyalelo wokulawula uza kuvela kwirekhodi letyala ukuya kuthi ga kwiminyaka eyi-10 ngaphandle kokuba lirhoxisiwe. 4. Ulandelelwano. Ukuthathwa kwamatyala yinkqubo yezomthetho enikezela ngayo ilungelo lakho lokunikezela ngepropathi yakho njengoko uthathwa njengomntu otshonileyo ngokomyalelo wenkundla. Ukuphinda-phinda indawo yinto enokuthi umntu othile azigqibe zonke ezinye iindlela zokusonjululwa kwaye ke inkundla iyakuthi ichonge ithrasti yokuthengisa izinto zabathengi emva koko iqhubeke ngokusasaza yonke imali efunyenwe ngokoMthetho wokuNgabinamali. Inkqubo yokulandelelana ifakwa kwinkqubo ukuze ucime onke amatyala akho, nangona kunjalo, nje ukuba ungene kwinkqubo awusenakho ukufikelela nakweyiphi na enye imali etyala. Ngaphandle kokuba ucwangciswe ngokutsha lwenza ukuba imeko yakho yezemali ihlaziywe kwaye uhlawule bonke abanatyala, into yokuba uhlaziyiwe uza kuhlala kwirekhodi lakho kangangeminyaka eyi-10. Nangona kunjalo, ukuba abo ubabolekise ityala lakho lihlawulwe emva kokuba kudlulile kwinkqubo yokuhlaziywa kwetyala, lonke ulwazi olukhokelele kulungelelwaniso lwakho luya kususwa kwingxelo yakho yetyala, nangona kunjalo, kwisithuba seminyaka emihlanu ingxelo yakho yamatyala iyakuchaza ukuba uhlaziyiwe. 5. UkuCetyiswa kwetyala: Ukuba uya phantsi kwengcebiso ngetyala, ulwazi olunxulumene nenkqubo yokucebisa ngetyala luya kubonakala kwirekhodi lakho letyala. Inkqubo yokucebisa amatyala ngokusisiseko ibandakanya umcebisi wamatyala othetha-thethana nabo banikezela ngetyala egameni lakho, ukuze ufumane uhlahlo-lwabiwo mali ekuvunyelwene ngalo apho amaxabiso wenzala ancitshiswa kunye nemigaqo yokuhlawula iyandiswa ukuze uqiniseke ukuba onke amatyala akho aya kuhlawulwa ngaphezulu kwexesha elingaphezulu kweenyanga eziyi-60. Xa uphantsi kwengcebiso malunga namatyala, awusakwazi ukufikelela kwikhredithi de ityala lakho lihlawulwe kwaye usifumene isatifikethi sobutyala. Ukuba imali mboleko yakho yasekhaya indlu ibandakanyiwe kwinkqubo yokucebisa ngetyala, imibandela yokuhlawula yandiswa ukuya kuthi ga kwiminyaka eyi-20, oku kuqinisekisa ukuba awuzukukwazi ukufikelela nakweyiphi na imali-mboleko de ihlawulwe imali mboleko yakho yasekhaya. 6. Imibuzo: Xa umnikezeli wekhredithi ecela ukujonga ingxelo yakho ngetyala ukuze uqiniseke ukuba akakufumani okanye akakuniki, iya kudweliswa kwiingxelo zakho zamatyala. Imibuzo iya kubonakala kwingxelo yakho yetyala kangangexesha leminyaka emibini. Ngokomthetho wamatyala weSizwe (i-NCA) iingxelo zamatyala ziyimfihlo kwaye zinokujongwa kuphela xa unikwe imvume ngabo baneenjongo ezimiselweyo okanye abo bangabaqeshi abanokuthanani nomsebenzi ekufuneka ukuba ubenokuthenjwa okukhulu nangokunyaniseka, apho ukuphathwa kwemali ukubandakanyeka Ke, kubalulekile ukuba imibuzo idweliswe kwingxelo yakho yamatyala ukuze wazi ukuba ngubani oyibukeleyo.

Uyifunda njani ingxelo yeTransUnion yakho?

Ingxelo yetyala yinto ekunzima ukuyiqonda, kunye nokufumana ulwazi oluluncedo ukuba awukaze uyibone. Nangona kunjalo, ngokubhala, kunzima ukuchaza ukuba ungayifunda njani ingxelo yetyala kwaye, eyona nto inokwenzeka kukuba unxibelelane neTransUnion ucele uncedo lwabo ekuncedeni ufunde ingxelo yakho yamatyala.

Yintoni inkqubo yokuthenga ngetyala?

La manyathelo alandelayo abonisa inkqubo ebandakanyekileyo ekuthengweni kwento ngetyala, ukufaka isicelo semali mboleko, okanye ukwandisa umda wekhredithi kwikhadi lakho lesitolo kunye namanyathelo athathwe ngabanikezeli bekhredithi kunye neeofisi zamatyala. Inkqubo yokuthenga ngetyala yahlukile ngohlobo lwetyala onqwenela ukuba ulufake isicelo. La manyathelo alandelayo abonisa inkqubo ebandakanyekileyo ekuthengweni kwento ngetyala, ukufaka isicelo semali mboleko, okanye ukwandisa umda wekhredithi kwikhadi lakho lesitolo kunye namanyathelo athathwe ngabanikezeli bekhredithi kunye neeofisi zamatyala.

Nguwuphi umahluko phakathi kophononongo lwamatyala, ulawulo kunye nokuhlengahlengiswa?

Uphengululo lwetyala, uLawulo kunye nokuSebenza kuZwelonke zizisombululo ezifanelekileyo zamatyala, nangona kunjalo, uvavanyo lweTyala lilungelo kuphela elinikwa yi-ezDebt kubathengi base Mzantsi Afrika abahlangabezana nzima nokuhlawula amatyala abo bajamelana nobunzima bemali. Uphengululo lwamatyala, uLawulo kunye nokuBekwa ngokuLungelelanisiweyo zizisombululo ezifanelekileyo zamatyala, ezibonelelwa yi-ezDebt kubathengi base Mzantsi Afrika abahlangabezana nzima nokuhlawula amatyala abo bajamelana nobunzima bemali. Zonke izisombululo zamatyala zenziwa ngokusebenzisa iinkqubo zeshishini ezilandelelweyo, nangona kunjalo, zinezinto ezahlulayo ezahlukeneyo. Ulawulo: Ulawulo sisisombululo samatyala esimiliselwa yi-ezDebt apho ufakelo lwamatyala oluntu lwangoku luncitshiswa kwaye ababoneleli ngetyala bafumana ukuhlawulwa kwetyala kanye emva kweenyanga ezintathu. Yinkqubo yezomthetho eyandiswa ngayo imigaqo yokuhlawulwa kwetyala, kodwa oku kuhla yinto yokuba le nkqubo inde kwaye ithatha ixesha elide kunokucebisa ngetyala.

  • Amaxabiso enzala ancitshiswa ukuya kwi-15,5% Imigaqo yentlawulo yandiswa ngokungenasiphelo Iintlawulo zisasazwa rhoqo emva kweenyanga ezi-3 (inzala yongeza) Isebenza kuphela kumatyala angaphantsi kwe-R50 000 Imirhumo yi-12.5% + VAT + yeendleko zokurhuma ngenyang Intlawulo yabathengi ihlala iyeyona nto kuncitshiswa emvuzweni, ukuze abaqeshi bakho bafumanise oko

Ukulandelelana: Ukuhlulwa kobunzima kwesinye isisombululo setyala kodwa akunikwa yi-ezDebt. Inkqubo ibandakanya ukuthengisa impahla yangoku yomntu ngamnye ukuhlawula okanye ukunciphisa ityala labo lwangoku. Ukongeza koku, inkundla iya kuqesha umntu oza kulawula imali yomthengi kwaye ke, yinkqubo ebiza kakhulu.

  • Abathengi banyanzeliswa ukuba bathengise zonke izinto zabo zangaphakathi umzi. ikhaya, imoto, ifenitshala, izinto zexabiso.
  • Inkqubo iya kubiza abathengi ubuncinci obungu-R20 000 kwimirhumo esemthethweni Ukuhlulwa kweendlela akusisiyo indlela ngaphandle kokuba kubanikezeli bekhredithi ‘eyona nto ilungileyo, ngoko ke umthengi kufuneka anike ubuncinci i-15% yetyala labo
  • Ukubuyisela kwimeko yesiqhelo kunokwenzeka kuphela emva kweminyaka emihlanu.

Uphengululo lwetyala

Uphononongo lwamatyala sisisombululo solawulo lwamatyala olwenziweyo ukuze kuncedwe abathengi base Mzantsi Afrika basombulule iingxaki zabo zamatyala. Inkqubo yokuphononongwa kwetyala iya kuqinisekisa ukuba isicwangciso sokuhlawula ityala labathengi siyandiswa kwaye amaxabiso abo enzala ancitshisiwe, njengoko ingcali kwezemali ye-ezDebt izothetha-thethana nabanikezeli betyala. Olu lwazi lulandelayo lushwankathela inkqubo yokuhlaziywa kwetyala:

  • EzDebt iya kulungelelanisa kwakhona ityala lakho emva kokuvavanya imeko yakho yezemali
  • I-ezDebt iza kuthetha-thethana nembuyekezo yamatyala akho kunye nabanikezeli betyala
  • Ukuhlawulwa kwetyala kudityaniswa kwenziwe intlawulo enye ehlawulekayo yenyanga, ehlawulwe kwi-arhente yokuhambisa intlawulo ye-NC
  • Iimali zokuhlawula amatyala zandisiwe
  • Nje ukuba intlawulo yamatyala yenziwe, amaziko etyala azakwaziswa kwaye irekhodi lamatyala liya kulungiswa
  • Imirhumo yebhanki iyancitshiswa kwaye iindleko zinqunyiwe, ukonga imali.

Uphononongo lwamatyala, ulawulo kunye nokwenza izinto ngokuhlangeneyo zizisombululo ezijolise ekusombululeni iingxaki zamatyala abathengi base Mzantsi Afrika abajongana nazo ngoku.

Kuthekani ukuba mna umboneleli wetyala uzama ukwenza ilungiselelo elitsha kunye nam?

Abaxhasi akufuneki benze naziphi na izithembiso okanye amalungiselelo kunye nomniki wetyala ngaphandle kokuqala baxoxe ngalo mbandela ne-ezDebt. Obu buchule buhlala busetyenziswa ngababoneleli bemali mboleko abasebenza phantsi kwekhomishini, okanye iifemu zokuqokelelwa kwamatyala abasebenzela abo banikezela ngetya. Lumkiswa ngabaqokeleli bamatyala EzDebt inokuqinisekisa ukuba sinikezela ngenkonzo esemagqabini. Ukuba uphantsi koqwalaselo lwetyala kunye nathi ngesele sithethathethwano nababolekisi bakho ngesicwangciso sokuhlawula ngexabiso elifanelekileyo. Ukuza kuthi ga ngoku, i-ezDebt incede ngaphezulu kwamawaka abathengi kwaye okwangoku iphumelela nge-90% yeepesenti. Ukuba umnikezeli wekhredithi okanye umqokeleli wamatyala unxibelelana nawe, olona khetho lufanelekileyo kukunxibelelana ne-ezDebt ngoko nangoko kwaye siya kukucebisa ngesisombululo esifanelekileyo setyala kwiimfuno zakho. Ungaze wenze naluphi na amalungiselelo nomboneleli ngetyala ngaphandle kokuxoxa nathi kuqala, kuba oku kunokuba nempembelelo embi kwisicwangciso sakho sokuhlawula kunye nabanye ababoneleli ngetyala. Lumkiswa ngabaqokeleli bamatyala Ngelishwa, abanye abaqokeleli bamatyala baya kusebenzisa ubuqili kunye nokungekho mthethweni kwiqhinga lokukukhohlisa ukuba uhlawule amatyala entlawulo yakho ukuze ubhatale. Yazi njengoko abaqokeleli betyala benokuthi benze ngathi awuphantsi koqwalaselo lwetyala okanye ukuba bakuphelisile ukuhlaziya amatyala akho. Abavunyelwanga ukuba benze olu hlobo lwentshukumo. Ke ngoko, ukuba uchaphazelekile okanye ubhidekile nangaliphi na ixesha uphantsi koqwalaselo lwetyala, kubalulekile ukuba uqhagamshelane ne-ezDebt

  “Capable staff”

I am a client of ezDebt.  Now that I am close to financial  freedom I still have creditors harrasing me for payment though there are procedures in place.  Leshe is my Portfolio manager, she always knows how to assist me in a professional manner and witout fail my problems get  resolved. Thank you Leshe. Sofia A

“Humbling experience”

ezDebt helped me  breath when I found  myself drowing in financial debt. Aaqela is a consultant who excises empathy towards her client.  Debt reivew has been the best decision I have made this year. Thank you so much Aaqela I am grateful for your personal touch God Sees everthing and he knows what is in your heart so he shall Bless you sinserily if you help me whole hartedly. Jane M

  “Receptionist world class”

I have the most refreshing experiences dealing with the Receptionist at ezDebt Solutions (Specializing in Debt Review).  She has the most Polite telephone voice.  She bares extensive knowlege of all departments and always assits without escalation in some instances.  Thank you Ncebakazi for making my experience as a client  of ezDebt (Debt Review) pleasurable in these trying financial times. Louis T

Umnxeba wasimahla

Ngaba ufuna ukubonisana ngokukhululekileyo nomcebisi ngetyala oqeqeshiweyo? Cofa iqhosha kwaye uqale uhambo lwakho kwinkululeko yamatyala. Lonke ulwazi lwakho luya kugcinwa luyimfihlo i-100%.

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