KULESI SIKHATHI esinzima sezomnotho abathengi bakuthola kunzima ukuthenga ngenxa yokuthi amaphepha abo okuphathwa kwezimali awamile kahle.
Lokhu kubizwa ngokuthi baBlacklisted (abavumelekile ukunikezwa izikweletu yibhange). Lesi simo siphoqa abanye ukuthi bancamele ukuqhubeka nesitolimende semoto yomunye umuntu, ohlulekayo ukuyikhokhela.
Kubonakala kuwumqondo ophusile ngoba lowo osuke esehluleka ukukhokhela imoto, uyasizakala ukuze igama lakhe lingancoliswa ukungakhokhi kanti lowo onegama elimbi, yena uthola imoto azoyisebenzisa.
Uma usubhekisisa kahle izingqinamaba abantu abaningi ababhekana nazo uma benza lesi sinqumo kuyaqala kubonakala ukungabi muhle kwawo.
Ake sibuke izimo ezingenzeka:
Uma nivumelana ngalesi senzo nomthengi wemoto, wena mnini wemoto kumele ukhumbule ukuthi uma kukhona okwenzekayo kuleyo moto, nguwena obhekelela zonke izidingo zokukhokha nomshwalense.
Abanye babhala inkontileka yokudayiselana kodwa lokhu akusizi muntu uma kukhona ingxabano ngoba ukhumbule ukuthi imoto idayiswe ngokomthetho webhange lapho umnini wayo wayisayinela ngenkathi eyithenga.
Uma kunengxabano phakathi kwalowo ofuna ukwenza ‘iTake Over’, ibhange alisiboni isivumelwano sabo njengesisemthethweni.
- Leli phuzu elingenhla liqala ukwenza umqondo uma kushintsha isimo sokudayiselana, othatha imoto engasakwazi ukufeza isivumelwano engasayikhokheli.
Ibhange libopha umnini wemoto futhi lingcolisa igama lakhe ngokumfakela i-’Judgement’ enkantolo nasemabhukwini okuphathwa kwezimali (Credit Bureau).
Khumbula ukuthi lo muntu omnika imoto nge ‘Take Over’, usesimeni akusona nje ngokungakhokheli izikweletu zakhe ezibhekene naye. Uma isikweletu singasabhekene naye, ngeke azinike ugqozi oluphezulu uma isimo sakhe sezimali sesibheke phansi.
- Uma umthathi we ‘Take Over’ engawukhokheli umshwalense wemoto bese iba sengozini, wena mnini wemoto ubhekana nenkinga wedwa.
Inkontileka esayinwa umnini wemoto nebhange ngesikhathi eyithenga imoto, ibeka kucace ukuthi umnini wemoto kumele abhekele izidingo zomshwalense zemoto ngokugcwele. Uma lokhu kungenzeki bese ilimala imoto, ibhangi linelungelo lokuyifuna yonke imali yemoto ngisho isilimele.
- Impatho yemoto ibaluleke kakhulu uma ubheka ukudayisa imoto. Kulezi zimo ze-take over, kujwayelekile ukuthi umuntu oyithathayo imoto angayinaki ngoba azi ukuthi akuyona eyakhe. Lokhu kudala ingxabano uma imoto ifa izinsimbi bese idinga ukulungiswa.
Uma kubiza ukuyilungisa egaraji, umthengi uvele abaleke aye kofuna enye imoto azoyiqola ngayo ‘take over ‘ bese umnini wemoto esala nenkinga yokuyilungisa nokuyigayisa.
- Njengoba isivumelwano se-take over singekho ngaphezulu kwenkontileka yomnini wemoto nebhange, wena oyithenga ngayo, uma umnini wemoto eseyifuna akukho ongabambelela kukhona ngokomthetho ngoba imoto isuke kungeyakhe.
Lokhu kujwayele ukwenzeka uma umnini wemoto esesimeni esihle ngokwezimali bese eyifuna imoto yakhe.
Kokunye umnini wemoto ubona sekusondele isikhathi sokukhokhelwa ngokugcwele ebhange bese ethi useyayifuna imoto yakhe. Lokhu ukwenza ukuze ayidayise enze inzuzo ngayo.