Umthetho othize weemingcele ukusuka kwiminyaka emi-3 kuya kwe-15 kuxhomekeke kulolu hlobo lwetyala - umzekelo ikhadi lokuthenga ngetyala okanye umbolekiso-kwaye umhla owenziwe ngayo ityala okanye apho uhlala khona. Ixesha lidla ngokuqala ngosuku lomsebenzi wokugqibela kwi-akhawunti, kodwa ingaba kamva kuncike kuyo nayiphi na imisebenzi oyenzile nge-akhawunti.
Ummiselo wemingcele uya kuqhubeka usebenza ngokukhawuleza njengoko ungathathi nantoni na kwiakhawunti yakho. Nangona kunjalo, unokuqalisa kwakhona ummiselo wemida, nangengozi.
Yintoni enokuqalisa kwakhona iSitatimende semilinganiselo?
Amanyathelo athile anokuqalisa kwakhona umyalelo wesikweletu weemingcele kwi-akhawunti elambileyo. Oku kubandakanya:
- ukuvuma ukuba unetyala lakho
- ukwenza intlawulo
- ukungena kwisicwangciso sokuhlawula
- ukwenza isivumelwano sokuhlawula
- ukwenza inkokhelo kwi-akhawunti
- kwamkela isibonelelo sokuhlawula
Ukuba iwashi kummiselo wokunciphisa ubuyisela, iqala kwakhona kwi-zero.
Oku kunika umbolekisi okanye umqokeleli ixesha elithile ukusebenzisa inkundla ukunyanzelisa ukuba uhlawule ityala. Awuyi kufumana isaziso sokuba umyalelo usuqalisile, kodwa ababolekisi, abagcina amanqaku kwi-akhawunti yakho, banokwazi ukuba wenze into yokuqalisa iwashi kwisikwere sakho.
Qhubeka uqaphele xa uxoxisana nomthengi okanye umqokeleli wetyala malunga netyala lakho.
Basenokuzama ukukuxelela ukuba wenze okanye wenze into eyayiza kuqalisela kwakhona umyalelo wemida. Ukuba awuzimisele kwaye uyakwazi ukuhlawula ityala, ngamanye amaxesha kungcono ukuba ugweme ukuthetha nababolekisi malunga netyala.
I-Statute yemida kunye neNkcazo eNgxelo
Awukwazi ukuxhomekeka kwingxelo yakho yekhredithi ukukunceda uqhubeke nommiselo weemingalo kwityala lakho. Umda wexesha lokubhengezwa kwekhredithi ngokubanzi ngokuzimeleyo komthetho wemida. Ulwazi olungalunganga luhlala kuphela kwingxelo yakho yeekhredithi iminyaka eyisixhenxe kwaye akukho nto inokuqalisa kwakhona eli xesha, kungekhona inkokhelo kwi-akhawunti.
Ngenxa yokuba imimiselo yemingcele ingahluka ukusuka kwiminyaka emi-3 ukuya kwe-15, amanye amatyala angawa phantsi kwengxelo yakho yekhredithi ngaphambi kokuba ummiselo wemingcele uphele. Kwezinye iimeko, amatyala ahlala esele kwingxelo yakho yekhredithi emva kokuba ummiselo wokunciphisa usuphelile.
Ngokuyininzi kufuneka uthembele kwiirekhodi zakho ukuze kukuncede uqhubeke nomqathango wokunciphisa ityala. Gcina umkhondo weentsuku zokuhlawula kunye nokunxibelelana ngamatyala akho ukuze uqaphele ngakumbi ummiselo wexesha lokulinganiselwa.