Xa uthenga imoto ngetyala, uyawamkela umngcipheko wokuba isithuthi sinokuphinda sithathwe. Ngokuqhelekileyo, kwezi meko, umthengi uhlawula imali ethile ngexesha lokuthenga kwaye uboleka intsalela kumbolekisi (ngokubanzi umthengisi wemoto okanye ibhanki). Umthengi utyikitya isivumelwano esinika lowo utyalwayo ilungelo lokuyibuyisela imoto xa engahlawulwa.
Ngaphandle kokuba isivumelwano sinexesha loxolelo elivumela ukwenziwa kwentlawulo kade, intlawulo enye kade - nangosuku olunye - ithathwa "njengesilela." Ukuba umthengi "uyimpazamo," umbolekisi angayibuyisela imoto. Umbolekisi akanyanzelekanga ukuba axelele umthengi ukuba uceba ukuyihlutha imoto kwakhona. Umbolekisi ukwavumelekile ukuba ayibuyise imoto ngaphandle kwemvume yenkundla ukuba nje “engaluphuli uxolo.” “Ukwaphula uxolo” kuthetha ukwenza izinto “ezinokuvelisa ugonyamelo.” Ukuba umbolekisi wophula uxolo xa ephinda ehlutha inqwelo-mafutha, umthengi ufanele acele umbolekisi ukuba ayeke, kwaye unokubiza amapolisa ukuba akavumi ukuthobela.
Kwanokuba umbolekisi anokuyihlutha imoto ngokusemthethweni, imigaqo ethile imele ilandelwe. Okokuqala, umbolekisi kufuneka athumele umthengi ileta phakathi kweentsuku ezintlanu zomsebenzi wokuthatha imoto. Ileta kufuneka ichaze ukuba kutheni imoto iye yahluthwa kwaye kufuneka ihlawulwe yimalini ukuyibuyisela. Ukuba umbolekisi uceba ukuthengisa imoto, kufuneka azise umthengi ubuncinane kwiintsuku ezilishumi ngaphambi kokuthengisa. Isaziso kufuneka siquke ixesha kunye nendawo yokuthengisa. Ukuba umthengi wayenezinto zakhe zobuqu kwinqwelo-mafutha xa ithathwa, umthengi kufuneka anikwe ithuba lokungena emotweni ukuze abuyise ezo zinto. Ababolekisi bavunyelwe ukuba bahlawule imali "efanelekileyo" yokufikelela kwimoto.
Abathengi banokuthethathethana ngemiqathango yokuhlawula. Ukuba umthengi ulindele ukuba emva kwexesha ekuhlawuleni intlawulo, ufanele athethe nombolekisi ngoko nangoko. Abanye abatyalwayo banokuvuma ukuvumela intlawulo enye kade. Ukuba umthengi nombolekisi bafikelela kwisivumelwano malunga nentlawulo kade, umthengi ufanele acele esi sivumelwano ngokubhala. Umthengi kufuneka agcine iirekhodi ezineenkcukacha zalo naluphi na uqhagamshelwano nombolekisi.
Uncedo lwezoMthetho lunokukwazi ukunceda kwimeko yokuhluthwa okuthile ngokungekho mthethweni. Tsalela u-1-888-817-3777 ngolwazi olungakumbi.
Eli nqaku libhalwe nguBlair Mills kwaye livele kwileta yeendaba yoNcedo lwezoMthetho, "Isilumkiso" uMqulu 35, ukukhutshwa kwe-2, ngo-Fall ka-2019. Bona ushicilelo olupheleleyo kule link: "Isilumkiso" uMqulu 35, uKhupho loku-2