Amabhange anendlela ayisebenzisayo ukuze athathe isinqumo sokuthi akunikeze imali mboleko yokuthenga indlu noma cha, nokuyinto eyimfihlo esemqoka,kodwa lokho akusho ukuthi wena awunawo amandla okwenyusa amathuba okuthi uyithole. Isimo sakho sezikweletu sibalulekile uma ufaka isicelo. U-Marc Hendricks oyi-Regional Manager yeRawson Finance eWestern Cape – okuyi-Rawson Property Group esiza ngokuthi uthole imali mboleko yokuthenga indlu – ukuhlomisa ngamacebo azokusiza ube negama elihle kwezezikweletu ukuze uthole imali mboleko yokuthenga umuzi.
“Zimbili izinto ezenza ibhange lifinyelele kwisinqumo sokuthi likunikeze imali yokuthenga umuzi noma cha,” kusho uHendricks. “Baqala babuke ukuthi uyingozi kangakanani – ungakwazi ukukhokha imali oyibolekayo. Okwesibili, babuka okungahle kube yingozi kwibhange – uthembeke kangakanani futhi ungenza ukwethembeka uma bekuboleka imali. Igama lakho kwezezikweletu nalo bayalibukisisa.”
Kuningi ongakwenza ukuzakhela igama elihle kodwa uHendricks uthi gwema amaphutha angahle akulandele ngisho emva kweminyaka emibili.
“Ibhange libuka cishe iminyaka emibili eyedlule ukutholisisa kahle ngawe kwezezikweletu,” kuchaza yena, “ngakho ke, gcina igama lakho lilihle isikhathi eside ngaphambi kokuthi uboleke imali.”
Ukuze usizakale, uHendricks ukucebisa ngokuhlanu okuzokusiza.
- Vula isikweletu kunoma yisiphi isitolo, okuzomele usikhokhele kanye ngenyanga (uma ungakaze ube naso). Ukungabi nesikweletu kuza nenkinga efanayo neyomuntu onegama elibi, ibhange lisuke lifuna ukubona ukuthi ungumuntu ozikhokha kanjani izikweletu.
“Ukungabi nesikweletu akuqinisekisi ukuthi ngeke uyithole imali mboleko kodwa ukuba negama elihle kuzokusiza uthole imali mboleko,” kweluleka uHendricks. “Angisho ukuthi hamba uyovula inqwaba yama-credit card noma izikweletu ezitolo zezinto ongazidingi kodwa ukuba ne-credit card ofaka kuyo imali yokuthenga ukudla nokunye kungakusiza.”
- Qiniseka ukuthi ukhokha ngesikhathi. Ukukhokha kancane nokungakhokhi nhlobo kukwenza ungabukeki kahle uma ufaka isicelo. “Uma kweqa usuku ungakhokhanga isikweletu sakho, ubonakala njengomuntu ongakhokhi kahle,” kusho uHendricks,“yingakho kubalulekile ukukhokha izikweletu zakho ngesikhathi.”
- Abazithathela bona imali yabo kwi-account yakho mabangafiki kungenalutho. Uma usukhokha imali abakuboleke yona bavame ukuzithathela le enivumelene ngayo, yingakho amabhange ebukisisa umuntu ongakhokhi kahle. “Ukungabikho kwemali ekhadini lakho kungakungcolisela igama lakho,” kusho uHendricks, “ngakhoke, qinisekisa ukuthi uhlala unemali eyanele kwi-account yakho ukuze abazithathelayo njenge-insurance bafice kunemali zinyanga zonke.”
- Umholo wakho mawungene kwi-bank account yakho, ngaphandle kokuthi babone ukuthi unayo imali kodwa lokho kuzoqinisekisa ukuthi unawo umholo okungenela nyanga zonke. “Ibhange lizokwazi ukubona ukuthi usalelwa yimali engakanani emva kokukhokha izikweletu futhi uyakwazi yini ukuphatha kahle imali,” kucebisa uHendricks.
- Kwi-bank account ungakhiphi yonke imali kuze kweqe, ngisho amabhange angabolekisi ngemali ayakwazi ukukuvumela ukuthi weqe kancane kwimali obunayo kwi-account yakho ukuze ukhokhe izikweletu.
“Amabhange anohlelo lokukusiza (overdraft) uma kwenzeka ukuthi ushodelwa yimali encane njengo-R20 ngenkathi ukhokha isikweletu,” kucacisa uHendricks, “yize kunjalo, yinto abangathandi ukuyenza futhi ezokubangela izinkinga uma ungayisukumeli ngokushesha. Uma kwenzekile kwatholakala unemali engenele kwi-account yakho, lokho kuzokungcolisela igama lakho, ngakhoke gwema izinto ezifana nalezi.”
Yebo singabantu, amaphutha adala ukuthi igama ligcole siyawenza. Ingabe lokho kusho ukuthi ngeke uyithole imali mboleko yokuthenga umuzi?
“Likhona ithemba,” kusho uHendricks, “ngisho ngabe isimo simbi kangakanani, yilapho i-bond originator ingena khona ukuze usizakale. Asigcini ngokukusiza ufake isicelo kodwa siyakumela ngenkathi ibhange lithatha isinqumo, uma kukhona la kungacaci khona kahle siyakukhulumela sicele ukuthi bengakujaji ngamaphutha akho amadala.”
