NJENGOBA kuza amaholidi kaDisemba baningi abafuna ukuvela emakhaya ngezimoto ezintsha, abanye bafuna ukuqeda unyaka ngegiya eliphezulu ngoba benethemba lokuthi uma benza njalo unyaka omusha uzobaphatha kahle.
Abanye bagcina belutheka ngoba bejahe ukuba nemoto entsha. Izazi zithi isimo semali siphazamisekile kwabaningi ngenxa yeCovid-19 okwenze abantu babhedelwa amarekhodi abo kwaCredit Bureau okugcina kwenza abantu babe sohlwini lwabangakhokhi kahle.
Lokhu kuyamphazamisa umuntu ofuna ukuthenga imoto kaDisemba ngoba amabhange awakwazi ukumnika imali yokuthenga.
“Kube sekuqala ukuhalela izinto ezingafanele ezifana nabantu abathembisa ukukudayisela imoto ngisho usohlwini olubi. Umuntu ubona esebishile enkingeni ukuthi bekungamele alwenze lolu hlelo.”
Muva nje kuthiwa kunomthengi ofake idiphozithi kaR100 000 ngoba efuna iSUV ephambili watshelwa ukuthi akhokhe uR15 000 ngenyanga egaraji.
“Into yokuqala nje ekhombisa ukuthi kukhona okunuka santungwana eyokuthi uma uthenga ebhange elisemthethweni, imali oyikhokha nyanga zonke bayazithathela bona abasebhange kwi-akhawunti yomthengi noma bakunike i-akhawunti yalo ibhange, hhayi eyegaraji.”
Kuthiwa ngemva kweminyaka emibili ekhokha umthengi wathuka woma sekufika isikhonzi senkantolo sizolanda imoto. Umthengi kuthe uma eya kwabomthetho ngalolu daba bamtshela lokhu:
- Akukho mthetho omvunayo ngoba ukudayiselana akwenza kuphula umthetho weNational Credit Act othi: Awukwazi ukuthenga ngesikweletu uma unegama elibi, awukwazi ukuthenga imoto ngesikweletu ungenaso isivumelwano nokunika isikweletu osemthethweni.
Imali yakhe yediphozithi ngeke ayithole ngoba ukusebenzisana kwakhe nomthengi omqolile akukho emthethweni kukonke nje.
Lokhu kusho ukuthi umthengi ulahlekelwe nguR100 000 nemali elinganiselwa kuR360 000 aseyikhokhe kule minyaka emibili.
Okubalulekile okumele ukwazi njengomthengi osebenzisa isikweletu ukuthenga imoto noma njengomuntu ofuna ukuthenga imoto yilokhu:
- Uma ususayine isivumelwano nebhange othenge ngalo imoto, awukwazi ukuvele ushintshe umqondo. Kumele wenze ngendlela yesivumelwano ngisho usuhluleka ukukhokhela imoto. Lokhu kusho ukuthi awuniki noma yimuphi umuntu ukuthi akaqhubeke nesitolimende sakho semoto. Thinta ibhange kuqala nixoxe ngohlelo oluhlosile uma usenkingeni.
- Akukho semthethweni webhange nababolekisa imali ukudlulisela inkontileka yakho yokukhokhela imoto komunye umuntu esivumelwaneni sokuthenga imoto ngesikweletu. Kumele uxhumane nebhange lakho ulazise ngomuntu ofuna ukukhokhela imoto. Ibhange lizokuchazela ngemigudu yalo okumele uyilandele ukuze nivumelane.
- Yize kunguwena othenge imoto ngesikweletu, akusiyona eyakho uze uqede ukukhokhela isikweletu ngokugcwele. Imoto kusengeyebhange futhi uma ungahambisani nemithetho enavumelana ngayo uthenga, bayakwazi ukuyifuna ibuyele kubona imoto, bamise inkontileka bese befuna isinxephezelo semali sokuphula umthetho kuwena mthengi.
- Imoto engakaqedi ukukhokha isikweletu ngokugcwele, ayikwazi ukudayiselwa omunye umuntu ngoba ibhuku elikhombisa ubunikazi lisuke
lisebhange. Lokhu kusho ukuthi nakumthengi ofuna imoto kodwa ingenayo i-log book, akathengi ngokusemthethweni uma ingekho futhi ingakashintshi imininingwane yomnini wemoto kulona leli bhuku.
- Uma kukhona umuntu othi yena umele ibhange othenge kulo imoto futhi ufuna ukuyithatha, thinta ibhange kuqala ngaphambi kokuthi nize nixoxe. Khumbula ukuthi uma ibhange lizothatha imoto engakhokheliwe, lifika nesikhonzi senkantolo. Isikhonzi kumele sikukhombise amaphepha aveza
ukuthi ngempela sisemthethweni. Isikhonzi sisebenza phakathi kuka-8 ekuseni no-5 ntambama phakathi nesonto. Izikhathi ezingaphandle kwalezo, akuzona ezomsebenzi wabo ngokusemthethweni.
- Uma kugcina ithathwa imoto ngokusemthethweni, landelela nebhange lakho ukuthi kugcine kwenzekeni mayelana nokudayiswa kwayo nohlelo lwenkontileka yakho nalo njengoba imoto ingasekho.
Ungadembeseli ushiye kanjalo ngoba uthi imoto yakho ayisekho ngoba kungenzeka ithathwe abadayisi mbumbulu bayinike omunye umuntu wena usale nesikweletu.