KUJWAYELEKILE ukuthi amabhange agcine ngokudla izimoto zamakhasimende ngenxa yokwehluleka wukukhokha.
Lokhu kuthiwa yigxathu lokugcina alithathayo ngoba aqale azame ukuxhumana nekhasimende ukulikhumbuza ukuthi likhokhe.
Elinye lamabhange aboleka abantu imali yokuthenga imoto, iWesBank, lithe kubalulekile ukuthi onenkinga yokukhokha afonele ibhange ngokushesha ukuze kuboniswane ngezinye izindlela zokukhokha.
Lokhu kungahlanganisa ukuthi kwelulwe isikhathi senkontileka yakho ukuze izoncipha imali oyikhokha ngenyanga.
IWesBank ikhiphe nanka amathiphu angasiza amakhasimende ukuze agweme ukudliwelwa izimoto zawo:
Xhumana nebhange
•Uma unenkinga ngokukhokha, kubalulekile ukuthi ukhulume nokuboleke imali. Ngokubambisana ningabonisana ngezindlela ezinganisebenzela nobabili nokungaba yigxathu lokuqala ekutheni ugcine imoto yakho.
Khokhela izinto ngokubaluleka kwazo
•Uma uhluleka ukukhokhela zonke izindleko zakho, kubalulekile ukuthi uzikhokhele ngokubaluleka kwazo. Khokhela okubalulekile kuqala njengentela, ugesi namanzi, nemoto, ikakhulukazi uma uyidingela umsebenzi.
Sibuyekeze isikweletu sakho
•Ukubuyekeza isikweletu yinto ongayibheka kodwa kuya ngesimo sakho. Lokhu kungasiza ukuthi yehle imali oyikhokha ngenyanga noma kunciphe inzalo yesikweletu.
Dayisa noma uthathe imoto engaphansi kwaleyo ohamba ngayo
•Uma uhluleka ukukhokhela imoto futhi usuzibheke zonke izindlela ezingakusiza, okunye ongakubheka ukudayisa noma ushintshe imoto uthathe engaphansi kunohamba ngayo. Lokhu kuzokusiza ugweme ukuthi imoto idliwe kodwa uqede isikweletu onaso futhi igama lakho lingangcoli.
Ithe uma kuqalwa uhlelo lokudliwa kwemoto yakho kusho ukuthi wena njengomthengi wenze lokhu:
oAwukhokhanga imali okumele uyikhokhe ngenyanga kwaze kwaba izinyanga ezintathu noma ngaphezulu,
oAwulitshelanga ibhange ngesimo sakho,
oUkhethe ukuliziba ibhange noma abasophikweni lokuqoqa izikweletu ebhange,
Amabhange amaningi alandela umthetho weNational Credit Act (NCA). Uhlelo lujwayele ukuhamba kanje:
oUmnyango webhange oqoqa izikweletu uzozama ukuxhumana nomthengi;
oUma ungakhokhi kuzokwenza ukuthi abameli bebhange noma umnyango wezomthetho webhange uzothumela incwadi iSection 129 eyazisa umthengi ukuthi axhumane nebhange zingakapheli izinsuku ezingu-10 zokusebenza ukuyohlela indlela yokukhokha.
oUma lokhu kuhluleka, kuzoholela ekutheni umnyango webhange wezomthetho noma abameli bebhange babhalele umthengi incwadi efuna ikhokhwe ngokugcwele imali ahluleke ukuyikhokha noma asikhokhe ngokugcwele isikweletu esisele. Umthengi uyaziswa ukuthi uma engakhokhi imoto izodliwa.
oUma sekudlule amasonto amabili incwadi iSection 129 ithunyeliwe, umthengi eqhubeka nokusala ngemuva ngemali ayikhokhe ngenyanga noma ehluleka ukulandela imiyalelo, abameli noma umnyango wezomthetho uzobe usuqala uhlelo lokuthi imoto idliwe ngokuthi udaba lulalelwe enkantolo eseduze nomthengi. Uma kufakwa icala, kuzokhishwa usuku udaba oluzolalelwa ngalo, kuya ngokwenkantolo. Umthengi uzokwaziswa ngalolu suku ukuze ezokwenza izethulo enkantolo.
oEnkantolo ibhange lizobe lifuna iWarrant of Execution okuwumyalelo wenkantolo ovumela ibhange lokuthi lidle imoto.
oIkhasimende lingakhetha ukuthi liyayihambisa imoto ukuze ligweme izindleko zabameli. Kulokhu ibhange lizobe selibhala ukuthi imoto ingase ibize malini uma isidayiswa esidlangalaleni.
oUma imoto isidliwe, ibhange lizozama ukudayisa imoto esidlangalaleni.