Okubhekwayo uma uvula isikweletu sokuthenga imoto

KUJWAYELEKILE ukuthi umbuzo wokuqala ovela ebantwini uma bebona imoto abayithandayo kube wukuthi bazoyikhokhela malini ngenyanga?

Lokhu kungenxa yokuthi abaningi basuke bezothenga ngesikweletu, okuyimali abayiboleka ebhange bese bekhokha kancane, kancane.

Ongoti bathi kunezinto ezehlukene ezibhekwa ngamabhange ukubala imali ezokhokhwa ngumuntu ngenyanga.

Amabhange nezikhungo zemali eNingizimu Afrika, balawulwa yizinhlaka ezinjengeSARB, BASA, Prudential Authority kodwa okubalulekile ohlelweni lokukhipha izikweletu wumthetho, iNational Credit Act ka-2005.

Baqhuba bathi akubhekwa ubulili, ubuhlanga nokuthi ofaka isicelo sokufuna imali uhlala kuphi ngoba lokho kuzobe kusho ukucwasa kodwa kubhekwa izinto ezifana ne-credit score yomuntu.

Nakhu okunye okubhekwayo:

•Intengo yemoto: Yiyona nto enkulu eshoyo ukuthi yimalini ozoyikhokha ngenyanga. Uma imoto ibiza, nemali ozoyikhokha izoba phezulu.

•Idiphozithi: Idiphozithi yisamba semali osikhokha phambili futhi siyakhishwa entengweni yemoto oyithenga ngebhange. Uma idiphozithi inkulu, imali ozoyikhokha ngenyanga izoba phansi.

•Isikhathi sesivumelwano sesikweletu: Yisikhathi sesivumelwano sakho nebhange esibalwa ngezinyanga ozobe ukhokhela ngazo isikweletu semoto. Uma isikhathi sesivumelwano siside, imali oyikhokhayo iba ncane. Isivumelwano siba phakathi kwezinyanga eziwu-12 kuya kweziwu-96.

•Uhlobo lwesivumelwano: Uma uthenga imoto ngesikweletu, ungakhetha ukukhokha ngendlela ejwayelekile lapho ukhokha imali ngenyanga isuselwa ekuthengeni imoto ngentengo yayo ephelele. Kepha ube ngumnikazi wemoto ngokugcwele ekupheleni kwesivumelwano. Enye indlela yi-balloon, lapho uthatha isikweletu sengxenye yentengo yemoto nokunciphisa imali oyikhokha ngenyanga. Bese kuba yiGuaranteed Future Value (GFV). Yilapho ibhange likuqinisekisa ukuthi imoto yakho izobe ibiza malini uma sekuphela isivumelwano senu sokuthi uhambe ngayo, noma ubuyiboleka (ngokujwayelekile yisivumelwano seminyaka emithathu kuya kwemine).

Uma isivumelwano sesifika ekugcineni, ikhasimende likhetha phakathi kwezinto ezintathu: ukungena esivumelwaneni esisha seGFV bese lihamba nemoto entsha, ukukhokhela intengo yemoto elitshelwe yona ekuqaleni kwesivumelwano noma likhethe ukuyishiya egaraji, lihambe. Okumele ukuqaphele wukuthi uyatshelwa ibanga okumele ulihambe, nesimo okumele imoto ibuye ikuso.

•Imalimboleko: Yinzalo oyikhokhayo uma uboleka imali ebhange ngesikhathi uthenga ngesikweletu. Ingahlala endaweni eyodwa ingashintshi (nemali oyikhokha ngenyanga kuze kuphele isivumelwano) noma ingashintsha yehle noma inyuke, kuya ngokuthi iBhange loMbuso liyiklelise kuphi imalimboleko.

Inzalo ekhokhwa ngabantu ababoleke imali emabhange incike emaphesentini enzalo akhishwa yiSARB. Akubhekwa ubulili, ubuhlanga nokuthi uhlala kuphi.