Kumqoka ukwazi izinga lenzalo yesikweletu esisemthethweni

Umuntu kuthiwa ngaphambi kokusayina isivumelwano nomhlinzeki, makayazi imali okufanele ayikhokhe ukuthi ingakanani

NAKUBA igcine ichithiwe indaba yokwenyuswa kwentela i-Value Added Tax (VAT), okuzosiza abathengi ukuba bangabe besabhekana nokwe-nyuka kwentengo yezimpahla ezitolo, namanye amasevisi, kodwa lokho akuwehlisi umthwalo wokuxakeka.

I-National Debt Counsellors  Association (NDCA), ithi abantu abaningi basazoqhubeka nokuthembela ezikwelitini ukuze bakwazi ukubhekana nezindleko zempilo. Njengoba imibiko iveza ukuthi abanye abantu basathembele kwizikweletu ukuze babheka-ne nezindleko zempilo, iNDCA iqwashisa ngobumqo-ka bokuqonda ngenzalo esemthethweni yesikweletu abasuke besithathile, okusuke kufanele bayikhokhe.

I-NDCA ithi kubalulekile ukuba abathengi baliqonde izinga elisemthethweni lenzalo okufanele bahlawuliswe yona esikweletini semalimboleko (personal loan), nasesikweletini se-credit card.

Ithi uma umuntu enza isivumelwano sesikweletu nomhlinzeki wosizo lwemali, kufanele ukuthi ngaphambi kokusayina, alazi izinga lenzalo azoyikhokha, bese eqhathanisa ukuthi leli zinga lenzalo liyahambisana yini nesikalo senzalo esisemthethweni, iNational Credit Act (NCA).

USihlalo we-NDCA uMnu Benay Sager, uthi eNingizimu Afrika izinga elisemthethweni lenzalo okumele ihlawuliswe abathengi, lilawulwa yiNCA, futhi lincike ohlotsheni lwesikweletu, kanye nosuku isivumelwano esisayinwe ngalo.

Uthi ngaphambi kokuba umthengi asayine isivume-lwano sesikweletu nomhlinzeki wosizo lwemali, kufanele azi ukuthi inzalo okumele ahlawuliswe yona kumele ibe ngakanani, nokuthi akumele yeqe enanini elingakanani.

Lolu lwazi lusemqoka ngoba lwenza umuntu akwazi ukubona ukuthi uhlawuliswa inzalo esemthethweni yini, noma uyaqolwa. Njengamanje, ngokweNCA, inzalo yemalimboleko umuntu angahlawuliswa yona ingafinyelela ku-28,5%, kodwa ingedluli lapho. Kanti inzalo evumelekile ukuhlawuliswa abathengi esikweletini se-credit card ingafinyelela ku-21,5%, kodwa ingeqi kulokho.

Izinga lenzalo yalezi zikweletu lincika oguqukweni olwenziwa yiSouth African Reserve Bank (SARB), maqondana nenzalo yemalimboleko. Uma iSARB yenyusa izinga lenzalo yemalimboleko, kanjalo nenzalo yelezi zikweletu iyenyuka, kanti uma iSARB yehlisa inzalo yemalimboleko, nezinga lenzalo yalezi zikweletu liyehla nalo.

UMnu Sager, ugcizelela ukuthi kusemqoka ukuba abathengi bazi ukuthi bahlawuliswa inzalo esemthethweni yini. Wathi uma umthengi engenalo ulwazi kahle mayelana nenzalo ayikhokhayo esikweletini anaso, angasizakala ngokuxhumana neNDCA.

Uthi futhi uma abathengi sebehluleka wukukhokhela izikweletu, bayaluthola usizo kwiNDCA lokuba kuhlelwe kabusha izikweletu zabo, kwehliswe inzalo abasuke behlawuliswa yona ezikweletini abanazo.