Abe National Credit Regulator beluleka abathengi ukuthi baboleke ngokuhlakanipha kulenyanga ikakhulukazi labo abangazange bakwazi ukusebenzisa imali ngendlela ngesikhathi samaholidi okuphela konyaka.
Ngokwesitatimende esikhinshwe abe National Credit Regulator sithi, abantu abaningi bathole imiholo yabo maphakathi noDisemba lokhu okwenza ukuthi balinde isikhathi eside ngaphambi kokuthi kuphele inyanga kaJanuwari ukuze bathole imiholo yabo.Lokhu okwenza ukuthi kushiyeke izikweletu zabo zingakhokhelekile,okuphetha ngokuthi bagcine bezifaka ezikweletini ezintsha.
UPoppy Kweyama oyi-Education and Communications Manager uthe izinga eliphezulu lokuphila lenza ukuthi abathengi bazifake ezikweletini ngokwedlulele, wathi nakuba isimo singesihle kodwa abathengi kumele bagweme ukuboleka komashonisa.
Abathengi bayanxuswa ukuthi baqaphele ukuhlela kahle indlela abazokhokha ngayo izikweletu zabo ngaphambi kokuboleka imali futhi baqaphele ukuqonda imigomo ebekiwe yalapho besuke beboleka khona ngaphambi kokuthi bazibophezele ngokusayina isivumelwano.
Abathengi bayaxwayiswa ukuthi baqaphele ukuthi bangashiyi omazisi kanye namakhadi asebhange kubabolekisi zimali noma kubakweletisi.
Ngokomyalelo we National Credit Act uthi abathengi kumele baqaphele izinto ezifakwa emalini yesikweleti okuyilezi ezilandelayo:
Imali yokubhalisa isikweletu: (Innitiation Fee) emayelana nesivumelwano sokukweletelana phakathi komthengi kanye nomkweletisi esuke ingenayo inzalo futhi ikhokhwa kanye, okuba uR165 kanye no 10% emalini engu R1,000.
Interest rate: Imali eyinzalo okuyiyona efakwayo kwi malimboleko esuke inikwe umthengi.
Iservice fee: Imali yokukhokhela isivumelwano sesikweletu eba zinyanga zonke, ngaphansi kwesigaba somthetho iSection 105 we NCA eba uR60.
Umshwalense wesikweletu: (Credit Life Insurance) okuyimali ebhekela ukuthi uma umthengi edilizwa emsebenzini, ekhubazeka noma eficwa ukufa ikwazi ukukhokhela isikweletu. SANews.gov.za
