Ukulungele ukuqhubela phambili?

Uqinisekisiwe ukuba ufumana iingcebiso kwiingcali ngezisombululo zokulawulwa kwetyala ezilungele imeko yezemali yomthengi. Asizonjineli ukunceda abathengi ukunciphisa iindleko, ukonga imali, inzala esezantsi, kodwa sifundisa abathengi ngendlela yokuphatha imali yabo.

Ukhululwe kwingcinezelo lwamatyala

Yiba kwindawo ekhuselekileyo yezemali

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Ukulungele ukuqhubela phambili?

Uqinisekisiwe ukuba ufumana iingcebiso kwiingcali ngezisombululo zokulawulwa kwetyala ezilungele imeko yezemali yomthengi. Asizonjineli ukunceda abathengi ukunciphisa iindleko, ukonga imali, inzala esezantsi, kodwa sifundisa abathengi ngendlela yokuphatha imali yabo.

Ukhululwe kwingcinezelo lwamatyala

Yiba kwindawo ekhuselekileyo yezemali

Yiba nenkxaso kwiingcali

Get free advice

Email mePhone me

Ukusuka kuMlawuli weTyala weSizwe

These awesome debt survival tips from the NCR give sound solutions on how to handle your debt. Click on them to enlarge

Nantsi impendulo kumbuzo wakho

Ukuba unemibuzo malunga nantoni na enokwenza uhlolo lwetyala unokufumana impendulo engezantsi. Sitsalele kule nombolo 021 180 4554 ukuba unemibuzo engaphezulu.

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 ziphila kunye nabo baxhomekekileyo kubo, ukuba bababalwe.

Xa uphantsi kweliso lamatyala, ingaba ityala lam elingapheliyo liya kuhlala likhula?

Uphononongo lwamatyala eMzantsi Afrika lwaphunyezwa ngo-2007, njengendlela yokulawula iinkampani kunye nezenzo ezingekho mthethweni zamatyala.

I-ezDebt yinkampani yolawulo lwamatyala e-Cape Town, ejolise kubathengi base Mzantsi Afrika abahlangabezana namatyala.
Kwixa elidlulileyo, xa bekuphantsi koqwalaselo lwamatyala eMzantsi Afrika, kungenzeka ukuba ityala elingahlawulwanga liqhubeka nokukhula. Nangona kunjalo, ngokwemigaqo yemizi-mveliso emitsha, imigaqo yeengcebiso ngetyala eyaphunyezwa ngoFebruwari ka-2011, ingxaki isusiwe kwaye xa uphantsi kweliso lokujonga ityala, ityala lakho elingahlawulwanga alizukuqhubeka nokukhula.

Iingcali ze-ezDebt ziingcali kwezemali zinoxanduva lokumilisela uphononongo lwamatyala ngendlela efanelekileyo kunye nenobuchule. Ngecebo elamkelekileyo lokuhlawula ityala, i-ezdebt inike igunya kwiibhanki zase Mzantsi Afrika, kunye noluhlu oluninzi lwabanikezeli ngetyala, ukunciphisa izinga lenzala njenge-0% yamatyala angakhuselekanga, kwaye isezantsi njenge-7.5% yamatyala akhuselekileyo. (repo + 2%). Nje ukuba ezdebt ikwazi ukukhusela isivumelwano, amatyala ngokuqinisekileyo aya kuncitshiswa ekuhambeni kwexesha.

Malunga ne-80% yabathengi be-ezdebt abasombulula ngaphakathi kwiinjini zokucebisa ngetyala kunye ne-10% isombulula amatyala engcebiso ngaphandle kwetyala. Oku kuthetha ukuba ii-ezdebt zilawula ukwenza izivumelwano nabanikezeli bekhredithi egameni le-90% yabathengi babo, ukwandisa amagama kunye nokunciphisa inzalo ukuya kwi-0% xa kufanelekile.

Oku kuvumela ezdebt ukuba zikhulule uninzi lwabathengi bovavanyo lwamatyala eMzantsi Afrika kwityala elingakhuselekanga kwisithuba seenyanga ezingama-60. Inyathelo lokuqala libandakanya ukuthumela iziphakamiso ezibhankini zingekapheli iintsuku ezingama-20 zokwenza isicelo sokuhlolwa kwetyala.

Iibhanki ezininzi ziya kulungisa amanqanaba enzala kwityala lekhasimende ukususela ngomhla abasamkelayo isicelo, ngokwenjenje bayaphelisa ukukhula kwetyala. Ukuba abathengi baphosa intlawulo emva kokuba kwenziwe esi sivumelwano, inzala yentsusa yoqobo inokubuyiselwa, oko ke kunyanzelekileyo ukuba iintlawulo zenziwe ngexesha ngenyanga.

Iinkonzo zokuphononongwa kwamatyala e-ezdebt ziyenziwa ukunceda abathengi base Mzantsi Afrika bavelise ubutyebi kwaye babe negalelo kuphuhliso lwelizwe.

Ngaba kufuneka ndiye kudliwanondlebe ukuze ndifake isicelo sesisombululo samatyala?

Hayi awunayo. Udliwanondlebe olusemthethweni olwenziwe kwizakhiwo ze-ezDebt aludingeki ukuze kuthengwe 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 le nkqubo 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 iinqobo zenkampani; ukugqwesa ngenkonzo, ikratshi, abantu abakhulayo, ukucinga phambili, ukuthembeka kunye nokuphendula ngenjongo yokuqhuba ishishini ngeyona ndlela isebenzayo nefanelekileyo.

Ndingasifaka isicelo sokufumana ingcebiso ngamatyala ukuba andisebenzi?

Ngelishwa, abathengi abakwazi ukwenza isicelo sengcebiso ngamatyala ukuba akaphangeli. Nangona kunjalo, ukuba umxhasi utshatile “kwindawo yepropathi” kunye neqabane labo liyasebenza, ke umthengi uya kuvunyelwa ukuba enze isicelo sokufumana ingcebiso malunga namatyala njengesicelo esidibeneyo.

Kukho iimfuno ezahlukeneyo ekufuneka zenziwe ukuze umntu afaneleke ukufumana ingcebiso ngamatyala. Ingcebiso ngetyala ilunge ngakumbi kubathengi baseMzantsi Afrika:

  1. Ukuzabalazela ukuhlangabezana nokuhlawulwa kwetyala labo ngexesha
  2. Ayikwazi ukuhlawula amatyala abo emva kokuthathela ingqalelo zonke iindleko kunye nengeniso
  3. Ngoku uqeshiweyo kwaye ufumana umvuzo wenyanga
  4. Ukuziva unetyala ngaphezulu (Ekupheleni kwenyanga, unetyala kubanikezeli bekhredithi ngaphezulu koko ungasihlawula)
  5. Ngelishwa, i-ezDebt ayikwazi ukubonelela ngeenkonzo zabo kubathengi base Mzantsi Afrika abangaphangeliyo kwaye bengafumani ngeniso. Oku kunokubangelwa kukuba
    kufuneka ufumane umvuzo wenyanga ngenyanga ukuze uhlawule amatyala akho akhoyo etyala lenyanga.

Nangona i-ezDebt izakucutha amaxabiso wenzala kwaye yandise amatyala akho okuhlawula amatyala, ikuvumela ukuba uhlawule isitolimenti esincinci senyanga, kusafuneka ukwazi ukuhlawula eso sitolimenti ukuze bakwazi ukuphelisa onke amatyala abo. Nangona kunjalo, kubantu base Mzantsi Afrika abatshatileyo “kwindawo yeepropathi” kwaye baneqabane elisebenzayo kwaye bafumana umvuzo, ke unokukulungela ukuphononongwa ngamatyala njengesicelo sokudityaniswa.
Ukuba ngoku uqeshiwe kwaye unamatyala amaninzi ukuze wenze isicelo sengcebiso ngetyala landela la manyathelo alandelayo:

  1. Gcwalisa “iFomu yokuFowuna yasimahla” kwiwebhusayithi ethi: www.ezdebt.co.za
  2. Fumana uvavanyo lwezezimali, iingcebiso kunye nokuhlolwa kwetyala
  3. Nikeza eyakho:
    • Incwadana yesazisi yoMzantsi Afrika
    • Incwadana yesazisi yoMzantsi Afrika
    • Umvuzo wepesenti yamva nje
    • Iimali ezihlawulelwayo zenyanga nenyanga zokuhlangabezana neentlawulo zamatyala zenyanga
Ngaba ukululekwa ngamatyala kuya kuchaphazela amathuba am okufumana ingqesho?

Xa besenza uphononongo lwamatyala eMzantsi Afrika, abantu abathile baye bajongana nobunzima kwithuba elidlulileyo ngokubhekisele kumathuba engqesho. Oku kungenxa yokuba xa inkqubo yokucebisa ngetyala yayaziswa eMzantsi Afrika, abaqeshi abaninzi babengenangqondo ichanekileyo yokusebenza kwayo. Nangona kunjalo, namhlanje, ukubhalisela ukucebisa ngetyala akufuneki kube nayiphi na impembelelo emsebenzini wakho wangoku okanye kumathuba engqesho exesha elizayo kunye namathemba akho.

Ingcebiso malunga namatyala eMzantsi Afrika yaphuhliswa kwaye yaziswa ngo-2007 njengenkqubo efanelekileyo yokubuyisela kwimeko yesiqhelo ukunceda abathengi base Mzantsi Afrika abahlangabezana namatyala kwaye ijongwa ngendlela elungileyo ngabona baqeshi.

Kwimisebenzi emininzi, kubaluleke kakhulu ukuba ukwazi ukubonisa ukuba ungazilawula kakuhle iimali zakho, ngakumbi ukuba umsebenzi wakho ubandakanya ukucebisa abanye ngolawulo lwemali kunye neemveliso zezemali. Oku kunokubangelwa kukuba uninzi lwabaqeshi luya kuvakalelwa kukuba xa ungakwazi ukuyilawula kakuhle imali yakho; awuyi kukwazi ukunika abanye abantu iingcebiso zezezimali ezaneleyo.

Ingcebiso ngamatyala yinkqubo yokuzithandela kwaye, ngokwenza kwakho inyathelo lokubhalisa kule nkqubo, uthatha inyathelo elinoxanduva lokuhlawula amatyala akho kwaye ubonise umqeshi wakho ukuba wenza umzamo wokulawula iimali zakho ngokufanelekileyo. Xa ungafikeleli kwintlawulo yakho yamatyala kwaye ulungisa ingxaki yakho yamatyala, uya kuqokelela ukungalingani kunye nezigwebo ngokuchasene negama lakho. Ukugweba kunye nokuzithoba kuya kubonisa ukuba uyasilela ukulungisa iingxaki zamatyala akho kwaye uthatha uxanduva ngezenzo zakho. Abaqeshi kulindeleke ukuba bayijonge le nto ngokungathandekiyo kwaye baya kuba mathidala ukukuqesha.

I-ezDebt isebenza nabaxhasi abasuka kumashishini awahlukeneyo. Eyona nto ibaluleke kakhulu, nangona kunjalo, ukusebenzisana kwe-ezDebt kunye nabathengi kuyimfihlo engqongqo kwaye abayi kwazisa abaqeshi ngemeko yokuhlaziywa kwetyala kubathengi.

Ukuba ufuna ithuba elitsha lokufumana umsebenzi kwaye umqeshi enze itsheki yokuthenga ngetyala apho abona ukuba uphantsi kwengcebiso ngamatyala, akufuneki ukuba abe negalelo kwithuba lakho lokufumana umsebenzi. Nangona kunjalo, ukuba kukho imfuneko, i-ezDebt inokunika abathengi ileta echaza ukuba baphantsi kwengcebiso ngamatyala kwaye baxelele umqeshi ngenkqubo leyo.

Ukuba ndingaphantsi kwengcebiso ngamatyala, ndingawufumana umsebenzi phesheya?

Uyakwazi ukuhamba kwaye usebenze phesheya, nangona kunjalo, ezDebt inyanzelisa ukuba abathengi babacebise kwangaphambili. Logama abathengi beqhubeka nokwenza intlawulo yanyanga zonke, banokuhlala kwisicwangciso sokuhlawula ityala

Ngaba ndisakwazi ukurenta ipropathi ukuba ndiphantsi koqwalaselo lwamatyala?

I-ezDebt inokunikezela ngencwadi kubathengi abavumela iarhente okanye umnini-mhlaba abonise isixa esifunekayo sentlawulo yerente siyafumaneka kuhlahlo-lwabiwo mali lwabathengi. Uninzi lweearhente ziya kuyamkela le, ke nceda wazise ezDebt ukuba kukho naziphi na iingxaki kule nto

Ndingakwazi ukungabandakanyi iibhondi (iimali mboleko zasekhaya) kuhlolo lwamatyala?

EzDebt ayikukhuthazi ukuba ungabandakanyi imali mboleko yakho yasekhaya kwinkqubo yokuhlaziywa kwetyala. Umthetho weTyala leLizwe usebenze ngokubandakanywa kwemali mboleko yakho yasekhaya kwinkqubo yokuhlaziywa kwetyala, ukunceda abathengi ngokugcina amakhaya abo. I-NCA ifuna ukuba zonke izivumelwano zamatyala zibandakanywe kuhlolo lwamatyala.

Umthetho weTyala leLizwe usebenze ngokubandakanywa kwemali mboleko yakho yasekhaya kwinkqubo yokuhlaziywa kwetyala, ukunceda abathengi ngokugcina 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.

Umthetho weTyala leLizwe usebenze ngokubandakanywa kwemali mboleko yakho yasekhaya kwinkqubo yokuhlaziywa kwetyala, ukunceda abathengi ngokugcina 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. Umthetho weTyala leLizwe usebenze ngokubandakanywa kwemali mboleko yakho yasekhaya kwinkqubo yokuhlaziywa kwetyala, ukunceda abathengi ngokugcina 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.

Abacebisi ngamatyala baya kuhlola izivumelwano zakho zamatyala kwaye babone ukuba ulixhoba lokubolekisana 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 enyusa ukufikeleleka 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.

Ngaba ndingafaka isicelo samatyala amaninzi okanye ndisebenzise amakhadi etyala xa uphononongwa ngetyala?

Hayi, abathengi abayi kuvunyelwa okanye bakwazi ukwenza isicelo setyala elingaphezulu okanye ukusebenzisa amakhadi abo etyala, ngelixa uphantsi koqwalaselo lwamatyala

Inkqubo
Ingcebiso ngamatyala yinkqubo yokuhlengahlengiswa kwamatyala, eyenza abathengi baseMzantsi Afrika bakwazi ukulawula imeko yabo yezemali nokubabuyisela kwimeko yempilo. Abathengi abayi kuvunyelwa okanye banakho ukwenza isicelo sokuthenga ngetyala ngakumbi okanye ukusebenzisa amakhadi abo etyala, ngelixa uphantsi koqwalaselo lwamatyala. I-ezDebt icela umthengi ukuba atshabalalise onke amakhadi abo etyala okanye ababuyisele kubanikezeli babo bethenga ngetyala, ukwenzela ukuba abathintele ekuhendweni ukuba bathathe imali eyongezelelweyo ngetyala kunye nokonakalisa imeko yabo yezemali.

Abathengi abangaphumeleli ukubambelela kwiimfuno kwaye bathathe amanye amatyala ngexesha lesicwangciso baya kujongana nemiphumo emibi. Abanikezeli ngetyala banokuphelisa ukuphononongwa kwetyala lomthengi kwaye baqale amanyathelo asemthethweni.

Nje ukuba ugqibile ngenkqubo yokucebisa ngamatyala, kuya kunikwa isatifikethi sobutyala, esiya kuthi sihlaziywe ngenkqubo yeNgcebiso ngeTyala. Oku kuyakusetyenziselwa ukususa konke ukudweliswa kwii-bureaus zakho eziphantsi kokuba ufumana uCebiso ngeTyala, kuba kuyakuchaza ukuba usombulule ingxaki yakho yamatyala. Uya kuthi emva koko ukwazi ukuthatha ityala.

IFomu 17.4, iya kukhutshwa ukongeza koku, eyindlela yokucima amatyala. Oku kuya kukususa kuzo zonke iindawo zamatyala. Ukuba unqwenela ukucima ityala lakho. Ukuba unqwenela ukurhoxisa uphononongo lwakho lwetyala ngaphambi kokuba ulihlawule lonke ityala lakho, ityala lakho elingahlawulwanga liya kuhlala kwaye uya kuphinda ubuyisele kwizavenge zokuqala.

Isatifikethi sokuhlawula amatyala kufuneka sikhutshwe ngentsingiselo yokuba uhlaziywe ngenkqubo yeNgcebiso ngeTyala, oku kuyakususa lonke uluhlu kuluhlu lwezinto ezibolekiswa ngetyala oluphantsi koCebiso ngeTyala.

Ukuba usephantsi koCebiso ngeTyala awusoze ukwazi ukufikelela nakweyiphi na imali njengoko oku kuyophula ikhontrakthi onayo nababolekisi bakho ngoku. Ukuba usifumene isatifikethi sakho sokungabinamali okanye ukucima ukuCebisa ngeTyala uya kuba nakho ukwenza isicelo semali ngenkqubo yesiqhelo.

Kwenzeka ntoni xa sele kugqityiwe ukuphononongwa kwetyala? Ndingayithenga indlu, imoto, njl?

Ngelixa umthengi ephantsi koqwalaselo lwetyala, iziko eligcina iinkcukacha ngeentengo zemboleko liza kuyifaka umqondiso weprofayile yalo ngokuthi ‘liphantsi koqwalaselo lwetyala’, eliya kuthintela umbolekisi ekubolekeni nayiphi na enye imali ngexesha lenkqubo. Nangona kunjalo, nje ukuba abathengi balihlawule ityala labo, i-ezDebt izothumela isatifikethi sokucacisa kubabolekisi, zazise i-NCR, kunye ne-ofisi yetyala, kusetyenziswa inkqubo yoNcedo lweTyala le-NCR.

Phambi kokuba uqonde into ovumele ukuyenza yakuba igqityiwe inkqubo yokucebisa ngetyala, kubalulekile ukuqonda ukuba kwenzeka ntoni ngexesha lenkqubo kwaye kutheni ungakwazi ukuthatha kwityala elongezelelweyo ngelixa uphantsi kwengcebiso yamatyala. Xa umthengi esayinela ukucebisa ngetyala, abacebisi abaziingcali kwezemali e-ezDebt baya kuqinisekisa ukuba zonke izibonelelo zamatyala kunye nabanikezeli ngetyala bayaziswa ukuba umthengi ngoku uphantsi koqwalaselo lwamatyala. Amaziko amatyala aya kuthi aqhubeke ngokuhlaba iprofayili yomthengi kwinkqubo yabo ‘ephantsi koqwalaselo lwamatyala’.

Oku kwenziwa ukuze kuqinisekiswe ukuba umthengi uthintelwe ekuthatheni ityala ngaphezulu. Inkqubo yokucebisa ngetyala iyenziwa ukuba ihlaziye imeko yezemali yomthengi kwaye ukuthatha ityala elongezelelekileyo kuya kuba yingozi ekufumaneni impilo yabo yezezimali.

Nangona kunjalo, nje ukuba abathengi bahlawule amatyala abo, i-ezDebt ithumela isatifikethi sokucacisa kubabolekisi bayo, kunye nokwazisa uMlawuli weSizwe weZikweletu (i-NCR) kunye ne-ofisi yeentengo zemboleko ngenkqubo yokuNikwa ngetyala kwi-NCR. Ngenxa yoko, amaziko amatyala aya kukhutshwa ukuba asuse ‘phantsi kwengxelo yokuhlaziywa kwetyala’ kwiprofayile yomthengi, ke ngoku evumela umthengi ukuba athathe ityala.

Ke, abathengi bakho bahlawule onke amatyala abo phantsi koqwalaselo lwamatyala; ukhululekile ukuboleka kwakhona kwaye uya kuvunyelwa ukuba uthenge indlu, imoto, etc.

Kubalulekile, nangona kunjalo, kufuneka uqiniseke ukuba xa ugqibile ukululekwa ngamatyala kwaye ukwazi ukulungisa imeko yakho yemali ongxamayo ukuba uthathe ityala elingaphezulu. Abanye abantu bafumanisa ukuba inkqubo yokuphuma ekucebiseni ngamatyala incinci njengoko benxunguphele ngokubuyela ematyaleni, lo gama abanye abantu bekhawuleza babuyela kwinkqubo yamatyala.

Ukuzama ukuhamba yonke imihla ngaphandle kokufaka naliphi na ityala elongezelelekileyo kunokukhohlisa, ngakumbi ngokunyuka kweendleko zokuphila. Kubalulekile ukuba unamathele kuhlahlo-lwabiwo mali lwenyanga kwaye usoloko ulujongisisa, kunye nokugxila ekongeni nasekutyaleni imali ukuze ukhule imali yakho.

Ukuba utshatile ekuhlaleni malunga nepropathi, ngaba iqabane lam lifanele ukufaka isicelo sokufumana ingcebiso ngamatyala?

Ewe. Ukuba abathengi batshatile ekuhlaleni iimpahla, bahlelwa njengepropathi enye, ke bobabini abathengi kufuneka bafake izicelo njengezicelo ezihlangeneyo.

Ukuze uqonde ukuba ukutshata kuluntu lwempembelelo zepropathi kunganjani ukuba nobabini neqabane lakho kufuneka nisayine ekucebiseni ngamatyala, kufuneka kuqala niqonde ukuba luyintoni kanye kanye ucetyiso lwamatyala kunye nokudityaniswa kwetyala.

Ingcebiso ngetyala ithathwa njengenkqubo yomthetho, eyanyanzeliswa nguMthetho weSizwe weTyala ngo-2007, ukunceda abathengi abanamatyala amakhulu eMzantsi Afrika ukuba bahlawule amatyala abo. Kwahluka ngokudityaniswa kwamatyala, njengoko ukudityaniswa kwamatyala imali mboleko ethatyathiweyo ukuze kuthathelwe indawo amatyala amancinci ngexabiso elinye, ukwenzela ukunciphisa izinga lenzala kwaye ke, ugcine imali.

Ukuba utshatile kwaye unengxaki yokuhlangabezana nokuhlawulwa kwetyala lakho kunye nokugcina imeko yakho iyimali, imeko yakho yomtshato iyakuchaphazela amanyathelo akho aya phambili ukulungisa ingxaki yakho yamatyala.

Kuxhomekeke ekubeni utshatile ngaphakathi kuluntu lwepropathi okanye lwangaphandle lwendawo yokuhlala, kuyakucacisa ukuba uyakuhamba njani ukusombulula ityala lakho.

Ukuba utshatile ekuhlaleni iimpahla okanye ngokomtshato wesintu, nobabini neqabane lakho kuya kufuneka nenze isicelo sokufumana ingcebiso ngamatyala kwaye nilandele kwinkqubo kunye. Oku kungenxa yokuba xa nitshatile ekuhlaleni iimpahla, njengesibini, nihlulwa njengelifa elinye lokuhlangana, ngokomthetho. Ke, yonke impahla kunye namatyala athatyathwa njengadibeneyo nawo. Nobabini nihlala ninoxanduva lokuhlawulwa kwetyala kwaye niyakuhlala phantsi kwenkqubo yokuhlaziywa kwetyala.

Nangona kunjalo, kubalulekile ukuqaphela ukuba de omabini amaqabane ayityikitye ifomu yesicelo sokucebisa ngetyala, elinye iqabane alivumelekanga kwinkqubo. Iqabane, elingatyikityi ifom yesicelo, alinakubandakanywa kwinkqubo yokucebisa amatyala ngokuzenzekelayo. Xa abantu abatshatileyo betshata kwindawo yokuhlala, bayatshata iimali zomnye nomnye. Kuyimfuneko ukuba abantu abatshatileyo bathethe ngokukhululekileyo nangokunyaniseka ngemeko yabo yezemali, ngaphambi kokuba batshate, ukuze babe bayazi kakuhle into abangena kuyo.

Ukufezekisa yonke into, ukuba utshatile ekuhlaleni iimpahla, nina kunye neqabane lakho kufuneka nenze isicelo sokufumana ingcebiso ngamatyala.

Ngaba ukucebisa ngamatyala kuya kuhlawula onke amatyala am?

I-ezDebt iza kubandakanya imboleko mali yasekhaya, imali yezithuthi, amakhadi etyala, imali engaphezulu, amakhadi ezitolo, iimali mboleko zobuqu kunye nee-Microdians kwinkqubo yokucebisa ngamatyala. Siza kuthi ke sijonge ingeniso yomthengi yenyanga kunye neenkcitho ukuze enze iingcebiso zeengcali malunga nenani elinokuhlawulelwa ngabathengi ngenyanga nganye. Nje ukuba sivumelane ngesicwangciso sokuhlawula esisebenza kubo bobabini abaxumi kunye nababolekisi siyakuguqula isivumelwano phakathi kwala maqela mabini.

Ngaba iinkcukacha zam ziya kuthunyelwa kwii-bureaus zamatyala kunye nabanikezeli bamatyala ukuba ndenza isicelo sokufumana ingcebiso ngamatyala?

Ngokumalunga nokuhlaziywa kwetyala, onke amaziko olawulo lwamatyala kunye nabanikezeli ngetyala baya kwaziswa ukuba umxhasi ufake isicelo sesisombululo setyala. Nangona kunjalo, ngesisombululo sokulawulwa kwetyala le-ezDebt, kuya kwaziswa kuphela ngabanikezeli bekhredithi abatheng. I-ezDebt iphumeze imithetho emininzi kunye nemigaqo ukuqinisekisa ukuba abathengi bayakhathalelwa kwaye banikwa eyona nkonzo ifanelekileyo. Ngokuphathelelene, kwi-ezDebt isisombululo sokuhlaziywa kwetyala ngetyala, onke amaziko olawulo lwamatyala kunye nabanikezeli ngetyala baya kwaziswa ukuba umxhasi wenze isicelo sokuhlaziywa kwetyala nge-ezDebt. Nangona kunjalo, nge-ezDebt enye, isisombululo esisebenzayo nesithembekileyo samatyala, ulawulo lwetyala, kuphela ngabanikezeli bekhredithi abanokwaziswa.

Nguwuphi umahluko phakathi kophononongo lwamatyala, ulawulo kunye nokuhlengahlengiswa?

Uphengululo lwamatyala, uLawulo kunye nokuBekwa ngokuLungelelanisiweyo 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 zedebeb 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% + yeVAT + yeendleko zokuhambisa ngenyangaIntlawulo yabathengi ihlala iyeyona nto kuncitshiswa emvuzweni, ukuze abaqeshi bakhoba fumanise 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 zangasese umz. ikhaya, imoto, ifenitshala, izinto zexabiso
  • Inkqubo iya kubiza abathengi ubuncinci ngama-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 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-NCR
  • Iimali zokuhlawula amatyala zandisiwe
  • Nje ukuba intlawulo yamatyala yenziwe, amaziko etyala azakwaziswa kwaye irekhodi lamatyala liya kulungiswa

Imirhumo yebhanki iyancitshiswa kwaye iindleko ziyasikwa, konga imali. Uphononongo lwamatyala, ulawulo kunye nokwenza izinto ngokuhlangeneyo zizisombululo ezijolise ekusombululeni iingxaki zamatyala abathengi base Mzantsi Afrika abajongana nazo ngoku.

Kutheni ababoneleli ngetyala benganciphisi inzala kuzo zonke iimeko?

Ngokomthetho weSizwe weTyala, 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 ezingama-60 okanye ngaphantsi (amatyala angakhuselekanga anjengemali mboleko yobuqu, amakhadi evenkile kunye namakhadi etyala) kunokuba uninzi lwabanikezeli bekhredithi bayakwamkela isicwangciso esitsha sokuhlawula. Ukuba isicwangciso sokuhlawula esitsha sicetywayo singaphezulu kwexesha eligqithisiweyo, ke uninzi lwababolekisi luyakusala isicelo kwaye kungabikho kuncipha kwinzala.

Uluhlu luhlala ixesha elingakanani eMzantsi Afrika?

Uya kuhlala ufakwe kuluhlu lwabamnyama apha eMzantsi Afrika logama nje ityala lingakahlawulwa, ihlala apho logama nje 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.

Kuthetha ntoni ukuba uluhlu lwabamnyama eMzantsi Afrika?

Ukuba ufuna ukwazi ukuba kuza kwenzeka ntoni kuwe ukuba ungabhalisiwe okanye uhlala ufakwe kuluhlu lwabamnyama, jonga inqaku lethu- Iziphumo zokufakwa kuluhlu oluMnyama eMzantsi Afrika

Kuthekani ukuba ndiphantsi kwengcebiso ngamatyala kwaye ndathunyelwa amaxwebhu asemthethweni?

Kuya kufuneka wazise ezDebt kwangoko, ngokutsalela umnxeba kule nombolo 021 180 4554. Amaxwebhu anokubhalwa yileta engu-S129 esazisa umthengi ukuba amanyathelo asemthethweni aqalile, okanye kungeniswe isamani. I-ezDebt ingcali ngetyala abacebisi baya kuba nakho ukukunceda ukuba uthathe ikhondo elifanelekileyo lokuthatha amanyathelo.amaxwebhu anokuba yileta engu-S129 yazisa umthengi ukuba inyathelo lezomthetho sele liqalile, okanye kungenisiwe isamani. ukubangaba umxhasi wenze isicelo sokuhlaziywa kwetyala ngaphambi kokuba bathumele ileta engu-S129

Yintoni endiyenzayo ukuba umnikezeli wekheredithi umnxeba okanye undihlukumeza?

I-ezDebt icebisa ukuba abathengi bacebise abaniki-nkonzo yeentengo zemboleko ukuba bafake izicelo zokuphononongwa kwetyala ngokwecandelo lama-86 loMthetho weLizwe weTyala. Ukuba ababoneleli ngetyala bacela ubungqina, abathengi baya kubabonisa iirisithi zabo ze-ezDebt.

Ukuba ababoneleli ngetyala bacela ubungqina, uya kubabonisa irisithi ye-ezDebt. Abathengi kufuneka bacele ukuba ababoneleli ngetyala banxibelelane ne-ezDebt. Ukuba ababoneleli ngeentengo zemboleko abayeki kule nkqubo, nceda uthumele isikhalazo ku: www.ncr.org.za.

Amaxesha amaninzi, ababoneleli ngetyala bathengisa iincwadi zabo zamatyala kwaye ke, abathengi banokuhlukumezeka ngomnye umqokeleli wamatyala. Abaqokeleli kwamatyala kusafuneka balandele isenzo sikazwelonke sokuthenga ngetyala, ke oko kuvumela abathengi ilungelo lokusongela ukulixela.

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 ngetyala.
Kutheni usebenzisa isisombululo sokuhlolwa kwetyala

EzDebt inokuqinisekisa ukuba sinikezela ngenkonzo esemagqabini. Ukuba uphantsi koqwalaselo lwetyala kunye nathi ngele sele 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, eyona ndlela ilungileyo iya kuba 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

Ngaba uphononongo lwamatyala lungcono kunokwenza amanye amalungiselelo?

Ngaphantsi koqwalaselo lwamatyala, abathengi bakhuselwa ngokusemthethweni, ukuba bahlawula iintlawulo zabo zokuhlaziya ngexesha, inyanga nenyanga. Uphononongo lwamatyala lungathathelwa ingqalelo njengeyona ndlela ibalaseleyo yokuphelisa amatyala ngokuchasene nokwenza amanye amalungiselelo, njengoko inkqubo isebenza ngokusebenzayo, ikhuselekile kwaye uyakuqinisekisa ukuba awunatyala kwithuba leminyaka emihlanu. Kwi-ezDebt, inkqubo yokujonga amatyala iphunyezwa ngabacebisi bethu abathembekileyo nabanobuchule kwezemali, ke oko kuqinisekisa ukuba abathengi banikwa inkonzo ebalaseleyo.

Ngaba ukuvavanywa kwamatyala kusemthethweni?

Isisombululo samatyala saziswa eMzantsi Afrika nguMthetho weSizwe weTyala ngo-2007. Xa kuphantsi koqwalaselo lwamatyala, abathengi baseMzantsi Afrika bakhuselwa ngokusemthethweni kwaye banikwa amalungelo yi-National Credit Act, logama nje behlala benolwazi malunga nentlawulo yabo yokuhlawula amatyala. Umcebisi wakho wamatyala uya kujongana ngqo nabanikezeli bakho ngetyala, ngaloo ndlela kuthetha ukuba abaniki-tyala abavumelekanga ukuba bakungxamele okanye bakutyeshele imali.

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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