Imali-mboleko yemoto
Okwangoku, akukho zibonelelo zifumanekayo kweli lizwe likhankanyiweyo kwikhathalogu yethu. Siyaqhubeka sisebenza ekuphuculeni inkonzo kunye nokongeza izinto ezintsha. Nceda ujonge kwakhona kamva.
Ukukhangela inkampani yemali-mboleko yemoto echanekileyo kunokuba ngumsebenzi onzima, kodwa zininzi iinkampani ezibonelela ngezisombululo ezifanelekileyo nezinokuthenjwa. Ezi nkampani zinceda abathengi bafumane imali yokuthenga iimot wakuwafaneleka kuwo. Imibutho yolwazi lwekhredithi kunye nemigaqo-nkqubo yebhanki ikhokelela ekuqinisekeni ukuba abathengi bafumana ixabiso elifanelekileyo kunye nezinga lenzala elifanelekileyo.
Ewe kona, iinkampani zemali-mboleko zinemishini zokuhlawula ngeemeko eziyintonombo eyenziwe ngomthengi ngamnye. Zijolise ekunikezeleni ngeenkonzo eziquka iindlela ezilula nezikhawulezayo zokufaka isicelo kunye nokufumana imvume yemali-mboleko. Ukwenza oku, zombini iinkampani ezinkulu kunye nezincinci zilungiselela iinkonzo ezingekho-lomzi (online) kunye neenkonzo kwiiofisi zabo ngenkonzo yobuqu.
Ngaphezu koku, abathengi banako ukufumana iinkonzo ezikhethekileyo ezifana neemboleko ezinexabiso eliphezulu ngemoto emitsha okanye evuselwe. Imigaqo nemibandela yeemboleko zemoto ihluka phakathi kweenkampani kodwa uninzi lubonelela ngemigaqo eguquguqukayo ukuze iqinisekise ukuba umlingi uyakwazi ukuhlawula. Izinto ezifana nelizeko le-APR (Annual Percentage Rate) kunye nexesha loku hlawula, zijongwa ngokupheleleyo ukuze kube nezisombululo ezibhatalekayo kubathengi. Kodwa uhlale ukhumbula ukuba ukuhlawula iimboleko kufuneka kuhlawulwe ngexesha ukuze uphephe iindleko ezongezelelekileyo.
Xa uthatha isigqibo, kuyacetyiswa ukuba uqala ngokwenza uphando oluphangaleleyo nokuthelekisa ezininzi iinkampani ukufumana ezona zikhawulezayo nezinexabiso elifanelekileyo ukuze ufumane inkonzo esanelisa njengenxalenye yohambo lwakho lokuthenga imoto.