I-Statute yeMingcele ye-FAQ

Imibuzo Ebuzwa Ngokuphindaphindiweyo malunga neNkcazo yokuLawulwa kweMatyala

Ukuqhagamshelana malunga netyala elidala linokucaphukisa. Nangona abaqokeleli beetyala kunye nabathengi banokuqhagamshelana nawe ngetyala ngelixa unelungelo lakho, banokumangalela kuphela ixesha elithile. Lelo nani libizwa ngokuba ngumthetho weemida. Nazi iimpendulo kwezinye zeembuzo ezibuzwa rhoqo malunga nommiselo wokunciphisa ityala.

Yiyiphi imimiselo yokukhawulwa kwamatyala?

Urhulumente ngamnye unemithetho yakhe kwimimiselo yemingcele yetyala, kuxhomekeke kwimiba yeakhawunti.

Amakhadi kunye namatyala-mboleko, umzekelo, iintlobo ezahlukeneyo zeetyala kwaye zinokuba namaxesha ahlukeneyo. Ezinye izigaba zommandla ziphantsi ukuya kwiminyaka emithathu ngelixa ezinye ezininzi ziphakamileyo kwiminyaka emithandathu.

Ingaba ndikweleta amatyala emva kokuba ummiselo wokunciphisa udlulile?

Ummiselo wokunciphisa ukuphelelwa yisikhathi awuyikucima ityala, umisela kuphela ukuba umthengi akwazi ukusebenzisa inkundla ukuba akuphoqe ukuba uhlawule ityala. Ukuhlawula kuphela ityala, xa likhanseliwe, okanye likhutshwe kwi-bankruptcy liya kususa ityala.

Ngaba umqokeleli angaqhagamshelana naye emva komthetho wokunciphisa udlulile?

UMthetho woTyala loTyala loTyala ubeka imithetho xa umqokeleli wetyala enako kwaye engaqhagamshelane nawe. Abaqokeleli bematyala banokukuxolisa ngenxa yetyala emva kokuba ummiselo wokunciphisa udlulile. Oku kungabandakanya ukuthumela iileta, ukukubiza, nokubeka uluhlu kwingxelo yakho yekhredithi xa kuthe kwesikali sokwenza ingxelo ngetyala.

Ngaba ndinokugwetyelwa ityala emva kokuba ummiselo wokunciphisa udlulile?

Ummiselo wokunciphisa umda wexesha umthengi okanye umqokeleli angasebenzisa inkundla ukuba akuphoqe ukuba uhlawule ityala.

Abanye abaqokeleli ityala banokumangalela nangona emva kokuba umqathango wokunciphisa udlulile. Iirekhodi zabo zingafani neyakho okanye zithemba ukuba awukwazi ukubonisa ukuba ityala alisekho mthethweni. Ukuba ulandelelwa emva komthetho wemingcele, boniswa enkundleni ukukhusela ityala lakho ngobungqina bokuba ixesha lidlule.

Funa uncedo kumqeqeshi wezomthetho ukufumana ukhuseleko olongezelelweyo.

Ixesha lini lo myalelo wokunqanda iwashi kuqala?

Into edidekayo kakhulu ngemimiselo yemingcele iqikelela xa iwashi iqala ukukhawuleza. Utsho olunye usuku, umqokeleli uthi enye. Iwashi iqala ngomhla wokugqibela womsebenzi kwi-akhawunti. Le nto ingaba yithuba lokugqibela owenzela intlawulo, ilungiselelo lokuhlawula, okanye ubunikazi obuvunyiweyo bentyala.

Yintoni enokuyilungisa kwakhona umyalelo weemali?

Xa umyalelo weemingcele sele uqalise, awufuni ukwenza into ukuyiqalisa kwakhona. Ukuba oko kwenzeka, umqokeleli wetyala ufumana ixesha elide lokumangalela ityala ... funda ngaphezulu .

Umbuzo: Kutheni ityala eliphelelwe yisikhathi lisekhona kwingxelo yam yesikolo?

Unokujonga ingxelo yakho yekhredithi kwaye uqaphele ukuba ityala elinemimiselo yexesha eliphelelwe yisikhathi lisaludwe. Kwezinye iimeko, kusemthethweni ngokusemthethweni. Umlinganiselo wexesha lokubhengisa ngetyala, eliyiminyaka esixhenxe kwimali eninzi, inokuba yinde ngaphezu kommiselo wokunciphisa.

Umbuzo: Ndiyakususa njani ityala kwi- credit report yami emva kokuba ummiselo wokunciphisa udlulile?

I-Fair Credit Reporting Act ikuvumela ukuba ube namatyala omdala asuswe kwingxelo yakho yekhredithi xa ezi ngetyala zichanekile. Ummiselo wokunciphisa ukuphelelwa yisikhathi akwanele ukuphikisana netyala kwi-akhawunti yakho ye-credit.