Akuyena wonke umuntu onamandla wokuthenga imoto ngokheshi, kunalokho abaningi baya ezikhungweni ezibolekisa ngemali, ikakhulukazi amabhange uma befuna eyokuthenga.
Yingakho umbuzo obalulekile abawubuzayo ngale kwesamba semoto, uthi yimalini okuzomele bayikhokhe ngenyanga?
Izazi ngalokhu zithi zihlukahlukene izinto amabhange azibhekayo uma sekufanele kunqunywe ngemali ikhasimende elizoyikhipha ekupheleni kwenyanga.
Amabhange nezikhungo zemali eNingizimu Afrika balawulwa yizinhlaka ezifana neSARB, BASA, Prudential Authority kodwa okubalulekile ohlelweni lokuphasisa izikweletu wumthetho iNational Credit Act ka-2005.
Izazi zithi akubhekwa ubulili, ubuhlanga nokuthi ofaka isicelo sofuna 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 sehlisa intengo yemoto oyithenga ngebhange. Uma idiphozithi inkulu, imali ozoyikhokha ngenyanga izoba phansi.
Isikhathi sesivumelwano sesikweletu: Lesi yisikhathi sesivumelwano sakho nebhange esibalwa ngezinyanga ozobe ukhokhela ngazo isikweletu semoto. Uma isikhathi sesivumelwano siside, imali ozoyikhokha izoba ncane. Isivumelwano siba phakathi kwezinyanga ezingu-12 kuyaku-96.
Uhlobo lwesivumelwano: Uma uthenga imoto ngesikweletu, ungakhetha ukukhokha ngendlela ejwayelekile lapho ukhokha imali ngenyanga isuselwa ekuthengeni imoto ngentengo yayo ephelele futhi ube ngumnikazi wemoto ngokugcwele ekupheleni kwesivumelwano. Enye indlela yi-balloon, lapho uthatha isikweletu sengxenye yentengo yemoto nokunciphisa imali oyikhokha ngenyanga. Uma sekuphele isikhathi sesivumelwano isikweletu ebesibekwe eceleni kumele usikhokhe siyisamba okanye ufake isicelo sokuthi usikhokhe kancane kancane.
Enye yi-Guaranteed Future Value (GFV). Yilapho ibhange likuqinisekisa ukuthi imoto yakho izobe ibiza malini uma sekuphela isivumelwano senu sokuthi uhambe ngayo, noma ukuyiboleka (ngokujwayelekile yisivumelwano seminyaka emithathu kuya kwemine). Uma isivumelwano sesifika ekugcineni, ikhasimende likhetha kokuthathu: ukungena esivumelwaneni esisha seGFV bese lihamba nemoto entsha, ukukhokhela intengo yemoto otshelwe yona ekuqaleni kwesivumelwano bese imoto kube ngeyakho noma ukhethe ukuyishiya egaraji uhambe. Okumele ukuqaphele wukuthi uyatshelwa ibanga okumele ulihambe nesimo imoto okumele ibuye ikuso.
Imalimboleko: Yinzalo oyikhokhayo uma uboleka imali ebhange ngesikhathi uthenga ngesikweletu. Ingahlala endaweni eyodwa ingashintshi (kanjalo nemali oyikhokha ngenyanga kuze kuphele isivumelwano) noma ingashintsha yehle okanye yenyuke, kuya ngokuthi iBhange loMbuso (SARB) liyiklelise kuphi imalimboleko.
Inzalo ekhokhwa ngabantu ababoleke imali emabhange incike kwimalimboleko ekhishwa yiSARB. Akubhekwa ubulili, ubuhlanga nokuthi uhlala kuphi.