Riaan 
Abathengi abaningi bacabanga ngokululekwa ngezikweletu njengendlela yokuphuma kulezi zikhathi ezinzima zomnotho, kodwa bese bewubeka eceleni umcabango ngoba bayoke balisuse kanjani lelo “bala” kumarekhodi abo esikweletu futhi bafanelekele ukuthola isikweletu futhi?
Nokho, ubufakazi buchitha inganekwane yalokho ukwelulekwa ngezikweletu inomthelela omubi wesikhathi eside kumaphuzu esikweletu.
Abathengi abanezikweleti ezidlulele abaphothula ngempumelelo ukwelulekwa ngezikweletu, ngokwesilinganiso, banamaphuzu esikweletu aphezulu kakhulu kunalabo abacabangayo kodwa abangaqhubeki, ngokohlaziyo lweDebtBusters lwabathengi abafake izicelo zokwelulekwa ngezikweletu eminyakeni emihlanu edlule.
“Umshayeli wokuqala we amaphuzu aphezulu esikweletu yikhono kanye nokuzimisela ukukhokha lokho okukweletayo. Lokhu kuyiqiniso kungakhathalekile ukuthi lowo muntu uselulekweni lwezikweletu noma cha,” kusho uBenay Sager, inhloko yakwaDebtBusters.
“Uma ukhokha isikweletu sakho, amaphuzu akho esikweletu ngeke athinteke kabi ngokuhamba kwesikhathi. Ukwelulekwa ngezikweletu kunikeza izindlela ezisebenzayo zokubuyisela lokho okubolekile ngendlela ehlelekile futhi engabizi kakhulu.”
Uthi imininingwane ikhombisa umthelela emalini yezikweletu yabathengi abanezikweletu ngokweqile abafake izicelo zokwelulekwa ngezikweletu kwaDebtBusters. Lapho benamathela ohlelweni lokukhokha oluhlelwe kabusha, baphothula uhambo lwabo ngaphansi kweminyaka emihlanu ngokwesilinganiso.
“Amaphuzu esikweletu somthengi azokwehla ezinyangeni ezimbalwa zokuqala zohambo lokwelulekwa. Eqinisweni, kubathengi abaningi, amaphuzu esikweletu asehlile uma befaka isicelo njengoba bezabalaza ukuze baziphilise.”
FUNDA FUTHI: Ungaqala kanjani ukwakha umlando wezikweletu onempilo
Lindela ukwehla kokuqala kwesikolo sakho sesikweletu
Uma uqala ngokululekwa ngezikweletu, ukwehla kokuqala kulindeleke njengoba abahlinzeki bezikweletu bethola inani elilinganiselwe lokukhokhwa kwezikweletu ngalesi sikhathi sokuqala ngokwezivumelwano ezibanzi zemboni.
Abahlinzeki bezikweletu bayazi ukuthi ngeke bathole izinkokhelo ezinyangeni ezimbalwa zokuqala futhi lokhu kufakwe ohlelweni lulonke, kusho u-Sager.
“Uma izingxoxo nabanikezeli bezikweletu ziphothuliwe futhi umthengi eqhubeka nokukhokha izinkokhelo ezintsha ezihlelwe kabusha, ezifinyeleleka kakhudlwana, angakwazi kakade ukukhuphuka kancane kumaphuzu abo esikweletu. Ngenyanga ye-12 yohambo, amaphuzu esikweletu somthengi asuke eselingana nalawo ayeyikhona ngesikhathi efaka isicelo sokwelulekwa ngezikweletu.”
Eqinisweni, abathengi abaqedela ukwelulekwa ngezikweletu banesilinganiso samaphuzu esikweletu esingamaphuzu ayi-112 ngaphezu kwendawo yabo yokuqala.
“Imininingwane ayinakungabaza. Isusa insumansumane yokuthi ukwelulekwa ngezikweletu kuba nomthelela omubi kumaphuzu akho esikweletu esikhathini eside. Abathengi abanezikweletu ezithe xaxa ababuza mayelana, ababhalisele futhi baqedele ngempumelelo ukwelulekwa ngezikweletu ngeke nje babe nezinkokhelo eziphansi zenyanga ezikhokhelwa izikweletu zabo ngokuhlelwa kabusha kwezikweletu zabo, kodwa bazovela namaphuzu ezikweletu aphezulu kakhulu kunabalingane babo abanezikweletu kakhulu okufanele ngabe babhalisa kodwa babhalisa. hhayi.”
FUNDA FUTHI: Ukuba nesikweletu esihle kubalulekile ngezikhathi ezinzima zezimali
Kungani amaphuzu akho esikweletu abaluleke kangaka?
USager uthi amaphuzu akho esikweletu abalulekile ngoba lezi zinombolo ezintathu yizo wonke umuntu kusukela emabhange ukuya kubanikazi bezindlu abazisebenzisayo ukuze banqume ukuthi uthembele kangakanani ngokwezimali. Emkhakheni wezezimali, amaphuzu esikweletu wulwazi olubaluleke njengenombolo kamazisi. Umgomo wesikhathi eside wokwelulekwa ngezikweletu ukusiza abathengi bathuthukise isimo sabo sesikweletu.
“Siyabona ukuthi ngokwesilinganiso, amakhasimende aphumelele ukwelulekwa ngezikweletu futhi athole nezitifiketi zawo zokukhokha, ayakwazi ukuthola imali yemoto zingakapheli izinyanga ezimbili bese ethola imali ebolekiwe yokuthenga indlu zingakapheli izinyanga ezinhlanu. Lokhu kukhombisa ukuthi kubathengi abazinikele, kungasiza ekuguquleni isimo sabo sezimali sesikhathi eside.”
Uthi okubalulekile wukuthi ukwelulekwa ngezikweletu kuyindlela esebenzayo yokuthi abathengi abasuke becwile ezikweletini bakwazi ukuhlela kabusha izikweletu zabo kanti ucwaningo luveza ukuthi abaphothula lolu hlelo nabo bazohlomula ngenani elithuthukisiwe lezikweletu.
