ONGOTI abahlukene bathi iBhange loMbuso lingase liphinde liyenyuse imalimboleko ngoMeyi.
Lokhu kuba nomthelela ongemuhle kubathengi abanezikweletu ngoba inzalo iyenyuka nokunyusa imali abayikhokha zinyanga zonke.
Abathenga izimoto ngezikweletu bagcina bezibuza ukuthi baphinde bafune isikweletu esisha yini ngemoto yabo noma baqhubeke naso sinjalo.
Ukufuna isikweletu esisha kusho ukushintsha onaso bese uthatha esisha ukuze kuzoshintsha indlela okhokha ngayo. Ukufuna isikweletu esisha ukukhokhela esidala kubizwa nge- refinancing.
Isikweletu esisha sijwayele ukuba ngaphansi kwaleso owasithatha uthenga imoto futhi kungaba yindlela yokonga imali oyikhokhela imoto nyanga zonke. Kungenziwa wukuthi uthola isikweletu esincane, wandise isikhathi ozokhokha ngaso noma ukucela inzalo ephansi.
Okhulumela iWesBank, uLebogang Gaoaketse, uthe kubalulekile ukuqonda imigomo, ukuthi ukwenze nini noma ungakwenzi ukufuna isikweletu esisha.
Uthe nabu ubuhle balokhu:
-Imali encane oyikhokha ngenyanga: Ukwenza irefinancing kungenza ukuthi ukhokhe kancane ngenyanga nokungasiza abathwele kanzima ngezindleko noma abafuna ukuba nemali ethe xaxa abasala nayo.
-Inzalo ephansi: Uma ukwazi ukuthola inzalo encane ngokukhetha ukwenza irefinancing emotweni yakho, uzokonga imali ngokukhokha inzalo encane ngesikhathi sesikweletu futhi ngokwenzenjalo, uyonga emalini oyikhokha ngenyanga.
-Isikhathi esingcono sokukhokha ngenyanga: Irefinancing ikuvumela ukuthi uhlele isikhathi ozokhokha ngaso isikweletu nohlobo lwesikweletu – oluncike oshintshweni lwemali mboleko okwenziwa yiSARB noma olungashintshi.
Ububi:
-Izindleko ezengeziwe: Irefinancing ihlanganisa izindleko ezifana nezokufaka isicelo noma inhlawulo. Uma zihlanganiswa zingase zinciphise ukonga.
-Isikhathi esiluliwe sokukhokha: Uma wengeza isikhathi sesikweletu ngerefinancing, ungagcina usukhokha inzalo enkulu ngesikhathi sesivumelwano ngisho unenzalo ephansi.
-Uma unesikweletu esidlula intengo yemoto yakho, irefinancing ayikufanele futhi ngeke yenze wonge.
-Umthelela wecredit score: Ukufaka isicelo sesikweletu esisha kungehlisa icredit score yakho. Uma bekuphasisa ngesikweletu esinenzalo ephezulu, kungalimaza icredit score yakho ngokuhamba kwesikhathi.
Isibonelo se-refinancing:
Uma uthenge idouble cab ka-2008 ebiza uR200 000, imali oyikhokha ngenyanga nguR4 650 ngezinyanga ezingu-72 ngenzalo engu-16%. Ukwenza irefinancing yesikhathi esifanayo ngenzalo engu-12% kunganciphisa imali oyikhokha ngenyanga iye ku-R2 950 bese wonga uR1 700.
ULebohang uthe lesi akusona isisombululo sawo wonke umuntu ngakho kumele azibheke ukuthi yimalini angakwazi ukuyikhokhela imoto nokuthi unolwazi olwanele ngesinqumo afuna ukusithatha.