EZEZIMALI - Hlakanipha ngemali yakho no Nhlanhla Dlamini

Angibingelele Kuwe Mr Mthiyane kwingosi yethu entsha ethi HLAKANIPHA NGEMALIYAKHO.

Esihlokweni sanamuhla sizobheka kabanzi ngamalungelo amakhasimende analo uma ezozihlanganisa ukuthenga imali kanye nokulondoloza imali kanye nokuthatha umshwayilence kungaba ilong term insurance noma short term kanye nokucacisa ngokulindeleke kweziwe umeluleki wakho wezezimali.
So mthiyane umthengi noma ngabe imuphi eNingizimu Africa unalo ilungelo.so uma umthengi eqala ukuthenga noma ukubeka imaliyakhe,kumela azi ukuthi uyibeke kubani.ezikhathini eziningi uke ufice umuntu ezitshela ukuthi imali yakhe esenkampanini thizeni,uma usulandela ayikho lapho.

Kwezezimali sinalento phecelezi esiyibisa ama finacial sevices provider(FSP) okungaba inkampani thizeni ehlinzeka noma engumdayisi wama solution nama services.FOR EXAMPLE ABO THUTHUKA FINANCE,POLONE(esisize abaningi ophongolo ngemishayilense yezimoto edayisa imishwayilence emifushane SHORT TERM INSURANCE)utholukuthi badayisela izinkampani ezingaphezu kweyodwa abo miway,iywise,santam nezinye. nabanye otholukuthi bona badayisa kuphela,kwesinyiskhathi ngike ngabona no pep otholukuthi badayisa amaservices kaHOLLARD.NAMA BANK kuyenzeka abe ngama broker.ongabona ngakho ukuthi njalo mawusayina inkontileka ubona amagama amancane enye inkampani.isibonelo nje ikaizer chief,iyiqembu lebhola kodwa futhi ya register as FSP yingakho inelungelo lokudayisa ama product ka PRODUCT SUPPLIER ongu HOLLARD.

Siphinde sibe Nama product Supplier okungabakhandi nabasunguli beproduct okusuke amakhasimende ezoyithenga.OKUNGABA OSANLAM,OLDMUTUAL,LIBERTY,HOLLARD,SANTAM,MIWAY nabanye

Kuyenzeka ke inkampani,ibe iproduct supplier bese iphinda ibe ifinacial service provider.ilaphoke kungena khona izinkampani okuthiwa amabroker.njengo Sanlam,oldmutual avbob. ayikhande bese ephinda eyidayise on behalf of him.

Omunye uzothi iyini ibroker?i broker kusuke kuwumuntu ovumelekile ukudayisa amaservices ka product supplier.usuke enelungelo lokudayisela oproduct supplier abaningi.

Umbuzo ke uthi wena ke othengayo ubonangani ukuthi ubani engithenga kuyena?
Bonke abadayisi bezimali nababolekisi nabadayisi bezimali balawulwa iboard ebizwa I financial service Board(FSB) indlela abadayisa ngayo futhi kunezinhlaka okumele umthengi azazi noma uma besadayiselana.
Umthetho ke ngaphansi kokulawula kwezimali uthi wonke umuntu osafuna ukukudayisela umshwayilensi noma iloan kumele azazise(DISCLOSE)imiminingwane thizeni.
Okokuqala ngokukunika imandate ebhaliwe ukuthi ungubani futhi usebenzela bani okubhalwe isivumelwano sokusebenza,okunama office la etholakala khona,kwabhalwa ukuthi usebenzele phansi kwamiphi imiminingwane mhlaphe ukuthi usebenza under supervision noma cha,ifedelity cover uma enze iphutha.

Uma eyibroker kumele asho izinkampani azidayiselayo uma kuwukuthi udayisa u oldmutual,Sanlam,libert(lokhu kwenzeka kuphela kwi broker).
Aqoqe imiminingwane yakho mayelana neprofile yakho.nesimo sezimali
Acubungule isimo sakho sezimali.
Bese ubheka isixaxululo sento ongayithenga

Uma umthengi esenkingeni esethola ukuthi akanelisekanga ngeseluleko asinikwa umeluleki wakhe.umthetho uthi akafake iskhonondo(complain)kwinkampany eqashe umeluleki ngokusizwa ileya disclosure letter esikhulume ngayo.kumele kube ngokombalo.uma enga neliseki uFSP eskhulume nagye meleamyalele u ombud ophethe leyo fsp,kungaba I insurance noma ibank.
Konke lokhu kwenzela umthengi abe nolwazi olwanele ukuthi lokhu okudayiswayo athathe isinqumo ukukuthenga.

Kwesinye iskhathi uke uthole abantu bakithi uma esdayiselene nomeluleki wakhe ese siyinda amaphepha angabhaliwe,okuyilapho ke ngixwayisa khona ukuthi ungalisayini iphepha elingashicilelwanga.
Ngiayaxwayisa futhi kubathengi bezezimali ukuthi ngaphambi kokuthenga,kungaba umshwaylense loma ukubeka imali.

Kukhona esikubiza nge surrender value imvamisa ukuthola kuma policies.Qinisekisa ukuthi iproduct oyithengayo inayo yini isurrender value.isurrender value imali esuke ikupolicy ongayithola uma usunqamula ubudlelwano (icontract) yakho noma ungasathandi ukuqhubeka ne policy yakho.

Umthengi kumele aqinisekise futhi ukuthi letho ebizwa nge waiting period isebenza kanjani.ngike ngabona ukuthi izinkampani ezihlinzeka ngezimali azizenzi ngokufana.enye ithi u 6month kuma funeral policies,no 24 noma u36 month kuma life cover.futhi kubalulekile ubuze umeluleki wakho ukuthi uma uthenge I Risk policy iqala nini ukubala.kuyenzeka abanye bethi iqala uma yamukelwa I system nomaiqala ngosuku ezothola ngayo imali(Premium).noma emva kancane kwenyanga ethole ngayo imali(Premium).

Bheka nokuthi uhlobo lwepolicy lwenzenjani uma udlula emhlabeni uma kuwukuthi ubufake nabathize lulo.kubalulekile ukuthi umuntu ongundlalifa ngaphandle kwama educational policies umuntu osewuhlanganisile yini u 18 year ngoba umthetho awuvumi ukukhokhela umuntu ongaphansi kuka 18 years,cabanga nje umuntu ashone ibeneficial ingaphansi kuka 18 years,kumele kuyiwe enkantolo ku appointwe igadiance,lapho isdumbu sisemakhazeni.

Kuma educational policies kumele ubheke ukuthi lawa onawo ayanela yini emalini edingwa izikhungo bamabanga aphakeme,utholukuthi umuntu unepolicy ezomnika u R60 000 mhla ivuthwa bese kufanele angene futhi komashonisa ukwengeza.

Okunye futhi Mthiyane kunalento ehleze Ikhangiswa ebizwa debt consolidation.abantu abaningi bayayithanda futhi inhle,kodwa okubi ukuthi iprovider ye loan noma umeluleki akasho ukuthinjengoba bezokhokha zonke lezikolothi,usuke uthatha enye iloan,enama interest ayo.
Abathengi Luvuno bayagqugquzelwa nokuthi bacabange ukuthi ngelinyilanga bazompenishelwa futhi abaningi babo mele bazi ukuthi ziningi izinto abangeke ba bakhone(afford) ukuzikhokhela like Bond,iloan yemoto,kanye neminye imishwayilense.

 Umbuzo uthi ke,yini umthengi angayenza?
Ukuqinisekisa ukuthi uyengeza ngama retirements annuity.
Bheka kusemanje ukuthi ipolicy onayo inawo yini umhlomulo okwenza ungasayikhokheli kodwa ube unelungelo lokuhlomula uclaim kuyo.

Konke lokhu Mthiyane kuze kube ngokuzayo yimi uwe mthengi njalo ngolwesithathu,uzenendlebe uze nomngani nifunde ngemali yakho.!!!!!!!!!!!!!!!

Uma ufuna ukubuza unga emaila ku Nhlanhladl@sanlasky.co.za
Noma ungixhume ku 071 648 9810