ETSA BAJETE MME O BOLOKE. Ithute maqheka bakeng sa tokoloho ho tsa ditjhelete. Ina Wilken. Phatlalatso ena e tsheheditswe ka motlotlo ka ditjhelete ke

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1 ETSA BAJETE MME O BOLOKE Ithute maqheka bakeng sa tokoloho ho tsa ditjhelete Ina Wilken Phatlalatso ena e tsheheditswe ka motlotlo ka ditjhelete ke

2 MOLAO WA NAHA WA MEKITLANE DITEKANYETSO TSA TSWALA DI LAOTSWE MOHLOKOMEDI E MOHOLO WA MEKITLANE Molaodi wa Naha wa Mekitlane o tla etsa bonnete ba hore indasteri ya mekitlane e kgema le NCA C N DITEKANYETSO TSA TSWALA Ditekanyetso tsa tswala le ditefo tse ding di tla behelwa melao mme di laolwe A E SE BO L EL DITOKELO TSA MOEKI Mokgwa oo barekisi ba bapatsang mebaraka ka ona le ho beha ditheko o tla behelwa melao ho baballa d itokelo tsa moreki O A N SE MOELETSI WA TSA DIKOLOTO Haeba o hloleha ho lefa dikoloto tsa hao, moeletsi wa tsa dikoloto a ka o thusa ho rarolla mathata a hao HO WE NA G LEKGOTLA LA DINYEWE TSA MEKITLANE Haeba morekisi a tlola molao, o ka isa tletlebo ya hao ho lekgotla lena la dinyewe tsa mekitlane BIO YA MEKITLANE Ho tla ba le taolo e matlafetseng haholwanyane mabapi le ho nepahala ha dintlha tse hlahiswang ke biro ya mekitlane TSHIELETSO NCA e o fa tshireletso haholwanyane ha o kadima tjhelete, reka thepa ka mokitlane kapa o fumana tjhelete ya letlotlo KADIMANO E BOHLASWA Barekisi ha ba na o fa sekoloto haeba o hloleha ho se lefa

3 TATAISO YA HO ETSA MEALO YA DITJHELETE HO BAAHI BOHLE BA AFIKA BOWA KAMOO O KA BAJETANG, HO BOLOKA LE HO SEBEDISA TJHELETE YA HAO KA BOHLALE KA TENG Ithute maqheka bakeng sa tokoloho ho tsa ditjhelete INA WILKEN Mothusi wa Bareki (Consumer Consultant) Molaodi eo eseng wa phethahatso (Non-Executive Director): Finbond Group Limited and Finbond Mutual Bank Latela mehato e bobebe e boletsweng bukeng ena mme o ithute maqheka a ho theha bophelo bo nang le tshireletso ho tsa ditjhelete le bolokolohi. O se ke wa latela moo tsela e ka lebisang teng. Empa leba moo tsela e leng siyo empa o siye mohlala. ANNE SOPHIE SWETCHINE Buka ena e reretswe dimiliyone tsa bareki ba Afrika Borwa esita le basebedisi ba mekitlane (dikoloto) le dihlahiswa tse ding tsa ditshebeletso tsa tjhelete. E se eka buka ena e ka o matlafatsa ho fumana tokoloho le tshireletso ho tsa ditjhelete.

4 KANANELO Finbond Group Limited Mongodi : Ina Wilken Molokisi : Ina Wilken 2017

5 LENTSWE LA KETAPELE Mmadi ya ratehang Ke monyetla o mokaakang ho phehisa bakeng sa boiketlo ba hao ho tsa ditjhelete esita le thuto. Monna ya bohlale, ntate wa rona Nelson Mandela, o ile a re: Tshabo e kgolo ya rona ha se hore re a fokola. Tshabo e kgolo ho rona ke hore re na le matla a sa lekanyweng. Ke lesedi la rona eseng lefifi la rona, le re tshosang haholoholo. e a ipotsa, Nna ke mang ho ba bohlale hakana, ho ba kgabane, ho ba le dineo, ho tsoteha? Hantlentle wena o mang o ke keng wa ba jwalo? O ngwana wa Modimo. Ho inyenyefatsa ha ho thuse lefatshe ka letho. Ha ho letho le kgahlehang ha o inyefola, e le hore batho ba bang ba ikutlwe ba sa tshireletseha ha ba le haufi le wena. e tswaletswe ho totobatsa kganya ya Modimo e ka hare ho rona. Ha se feela ka hare ho ba bang ba rona e ka hare ho e mong le e mong mme re dumella lesedi la rona hore le kganye, re dumella batho ba bang re sa lemohe hore le bona ba etse jwalo. Jwalokaha re lokolotswe tshabong ya rona, ho ba teng ha rona ho se ho ntse ho lokolla ba bang ka ho otloloha. - Kgutlela leratong eturn to Love ka Marianne Williamson Ka ditumediso, Ina Wilken Mothusi wa Bareki (Consumer Consultant) Molaodi eo eseng wa phethahatso (Non-Executive Director): Finbond Mutual Bank 01 Hlakubele 2017

6 TSE KA HAE SELELEKELA KAOLO YA 1 HO ETSA BAJETE 1.1 Laola ditaba tsa ditjhelete tsa hao 1.2 Bajete ya motho ka mong 1.3 Mehato e mehlano e bobebe ya ho hlophisa bajete ya hao KAOLO YA 2 KADIMO E BOHLALE 2.1 Ho kadima ho lokela ho ba ka sewelo 2.2 Ho kadima ho lokela ho laolwa ke tlhoko 2.3 Ho kadima ho se bake kgatello e sa hlokeheng 2.4 E ba moreki ya lokileng KAOLO YA 3 HO LEFA DIKOLOTO TSA HAO 3.1 Ditlamorao tsa molao le ho tlola ditshwanelo tsa tefo ya dikoloto 3.2 Mehato ya Pele mehala, mangolo a taelo, tshaeno ya ditokomane kapa ho amohela kahlolo 3.3 Dikahlolo le ditaelo tse ding tsa lekgotla 3.4 Ditefello tse bohloko tsa dikoloto ho ya ka kahlolo KAOLO YA 4 DITOKELO TSA MOEKI LE DITHAOLLO TSA TOKISO KA KETSO YA MOLAO BAKENG SA SEKOLOTO 4.1 Ditataiso tsa kakaretso 4.2 Ditshireletso Kgetho ya kgothaletso le In-duplum 4.3 Melao ya Mmokeletsi wa Dikoloto 4.4 Nako le Mokgwa wa phetolo ya kahlolo 4.5 Taelo ya tefiso ya emolumente 4.6 Kopo ho lekgotla ho fetola taelo ya emolumente 4.7 Kopo ho lekgotla ho emisa thekiso ya thepa 4.8 Ha o a kgotsofalla ditefo le ditefiso tsa maqwetha? 4.9 O tlasa taolo empa ha o tswe ka hara sekoloto? 4.10 O na le dikoloto tse ngata? 4.11 Kgapo ya thepa e rekilweng ka mokitlane

7 KAOLO YA 5 HO TSEBA KA BIO YA MEKITLANE 5.1 Ngodiso ya dintlha tsa mokitlane ho biro ya mekitlane 5.2 Ditletlebo tsa moreki 5.3 Seo o lokelang ho se etsa ha o kentswe lenaneng ka phoso KAOLO YA 6 LEABA LA SEKOLOTO LE TAOLO 6.1 Leraba la sekoloto ke eng? 6.2 O lokela ho etsa eng haeba o hloleha ho lefa sekoloto sa hao? 6.3 Ke menyetla efe e meng ya tjhelete eo moreki a nang le yona? 6.4 Ho bolela eng ka ho behwa tlasa taolo? 6.5 Hlokomela ditaelo tsa taolo 6.6 Bareki ba na le ditokelo le boikarabelo bofe? 6.7 O ka etsa ketso efe? 6.8 Ho tla etsahala eng ha o ya ho moeletsi wa tsa dikoloto? 6.9 Hlokomela melawana ya tokollo ka hara dikontraka / dilekane 6.10 O ka etsa eng o le moreki KAOLO YA 7 DITOKELO TSA MOEKI TSA TOKISOBOTJHA 7.1 Tokelo ya tekano 7.2 Tokelo ya boinotshi 7.3 Tokelo ya boleng bo kgotsofatsang, boleng bo lokileng le polokeho 7.4 Tokelo ya ho kgetha 7.5 Tokelo ya thuto ho moreki (tsebiso ya dintlha) 7.6 Tokelo ya ho bapatsa ka nepo le ka boikarabelo 7.7 Tokelo ya tshebeletso ka nepo le ka botshepehi 7.8 Tokelo ya maemo a kgotsofatsang a yang ka molao le ka boikarabelo 7.9 Tokelo ya bareki ya tokisobotjha ka boikarabelo KAOLO YA 8 TSHIELETSO YA MOEKI 8.1 Molao wa Naha wa Mekitlane (National Credit Act) Molebedi e moholo wa mekitlane the National Credit egulator Ditokelo tsa moreki mabapi le ditshebeletso tsa mekitlane Ditekanyetso tsa tswala, ditefiso le ditefo tse ding Kadimano e bohlaswa

8 8.1.5 Boeletsi ka tsa mekitlane Ngodiso ya barekisi Biro ya mekitlane Lekgotla la dinyewe tsa mekitlane The Consumer Tribunal Hlokomela ngodiso tse fosahetseng ho biro ya mekitlane Kadimano e nyenyane Dikarete tsa mekitlane 8.2 Molao wa Tshireletso ya Moreki Molao wa Tshireletso ya Moreki, wa No. 68 wa Ditokelo tsa Moreki ke dife? O ka tletleba hokae Mehala ya thuso ho moreki KAOLO YA 9 DINOMOO TSA BOIKOPANYO KAOLO YA 10 DITHUTO HO TSWA HO BOADIMILIYONE DINTLHA MABAPI LE MONGODI: INA WILKEN

9 SELELEKELA Batho ba fumana boikemelo le tokoloho ya ditjhelete jwang? Batho e ba barui jwang? Ke ka sewelo moo lehlohonolo kapa lefa, kapa dikgau tse phahameng tsa thuto kapa bona bohlale di thusang batho ho theha mahlohonolo kapa katleho. Boikemelo ho tsa ditjhelete le leruo hangata ke ditlamorao tsa mokgwa wa bophelo wa ho sebetsa ka thata, mamello, ho etsa meralo le ho ikeletsa e le wena. Motho ya bohlale o kile a re batho ba bangata ba shwa ka lebaka la kgaello ya tsebo. Hona ho ntse ho na le bonnete bakeng sa ho iketsetsa bajete ya botho ba hao le bolaodi ba tjhelete. Batho ha ba kgone ho phela hantle ka ditjhelete hobane ha ba bajete ebile ha ba etse moralo wa tjhelete. Buka ena e tla o thusa ho etsa yona ntho eo ho etsa moralo o nepahetseng. E ba le tumelo ya hore o moholwanyane ho mathata a hao, etswe o fela o le jwalo. NOMAN VINCENT PEALE e ke ke ra rarolla mathata ka ho sebedisa monahano ona oo o tshwanang le ona ha re ne re baka mathata ao. ALBET EINSTEIN - 1 -

10 KAOLO YA 1 HO ETSA BAJETE 1.1 LAOLA DITABA TSA DITJHELETE TSA HAO! Batho ba bangata ba na le mathata a tjhelete ka tsela ena le yane. Lekeno la tjhelete ha le kgeme le ditheko tse ntseng di phahama, motho e mong lapeng a ka lelekwa mosebetsing, ho ka etsahala diketsahalo tse sa lebellwang jwaloka ho kula, kapa ho amohelwa sepetlele, athe ba bang ba rona ba mpa ba sebedisa tjhelete hampe. Ka yona nako eo, ho bobebe haholo ho itahlela ka hara mokitlane hoo re qetellang re le tsietsing ya ho kena lerabeng la sekoloto. Ho na le mefuta e fapaneng ya mekitlane: Dikadimo tse tswang dibankeng Dikadimo tse nyenyane tse tswang ho bakadimani ba banyenyane Diakhaonto tsa mabenkele a maholo, dingaka, dikhemisi Ho reka ka kgiriso kapa ditumellano tsa mekitlane. Ho amohelehile ho sebedisa mokitlane ho o thusa ho rarolla bothata ba nakwana kapa ho reka ntho e kgolo ebe o e lefa ka kgwedi le kgwedi ka diqonwana (ditolomente) haeba o kgona ho lefa ka diqonwana kapa ditolemente. Leha ho le jwalo, o ke ke wa nna wa tswela pele ka ho kadima kgwedi le kgwedi, kapa hona ho etsa dikadimo tseo o sa kgoneng ho di lefa, ha ho se jwalo, maemo a hao a ditjhelete a tla nne a mpefale le ho feta. O LOKELA HO LAOLA MAEMO A DITJHELETE TSA HAO O kgona ho a laola jwang? Qalong, o lokela ho fumana MEKGWA YA HO QOBA DITSHENYEHELO. Haeba o so be le tjhelete e lekaneng bakeng sa mabaka a hao ohle a theko, o lokela ke hona ho batla MEKGWA E MENG YA MEHLODI YA LEKENO KAPA TJHELETE. E mong le e mong ya kgonang haholo ho dula a kopa tshwarelo ke ka sewelo a ka kgonang ntho e nngwe e itseng. BENJAMIN FANKLIN - 2 -

11 1.2 BAJETE YA MOTHO KA MONG Batho ba bangata ba tshaba haholo ho dula fatshe ebe ba hlophisa bajete ya bona. Ba tshaba hore na e tla ba bolella eng jwaloka batho ba bang ba tshabang ditekolo tsa bongaka. Boikgalemelo ba ho etsa bajete ke mohato wa pele o lebisang ho tokoloho ho tsa ditjhelete. Ho etsa bajete ho utlwahala eka ke ntho e thata mme hangata ho bonahala e le ntho e etswang feela ke dikgwebo le batho ba ruileng haholo. Leha ho le jwalo, bajete e bobebe ebile e molemo haholo ka ho fetisisa ho rona kaofela. Ka ntle ho bajete e hlophisitsweng hantle, o fela o sa tsebe se etsahalang ka tjhelete ya hao, mme mathata a hao ka mohlomong a tla nne a mpefale le ho feta. Haeba o sa etse bajete ya hao ka tshwanelo, o na le monyetla o fokolang wa ho boloka tjhelete ya letho

12 1.3 MEHATO E MEHLANO E BOBEBE YA HO HLOPHISA BAJETE YA HAO: Mohato wa 1 Lekeno la hao Bala tjhelete yohle ya lekeno e kenang lelapeng la hao ka kgwedi le kgwedi: Lekeno la nnete le bolela tjhelete yohle eo o e isang lapeng kamora ditjhelete tse hutsweng moputsong ohle wa hao kapa lekeno lohle. Bala tjhelete yohle ya lekeno ka ho kopanya moputso wa hao, le moputso wa molekane wa hao (monna kapa mosadi kapa motswalle), le lekeno lefe kapa lefe leo o le fumanang, ekaba ho tswa mosebetsing wa nakwana kapa kgwebo eo o e etsang hona lapeng moo. Haeba motswalle kapa e mong wa leloko a dula le wena mme a o lefa bakeng sa ditshenyehelo tsa lelapa kapa haeba ba hao ba phela le wena lapeng mme ba na le mesebetsi ya nakwana, o lokela ho kenyeletsa tseo tsohle e le lekeno la lelapa. Kamehla bala lekeno la hao kamora lekgetho esita le ditjhelete tse ding tse hutsweng. Ke yona tjhelete ena feela eo o ka kgonang ho e sebedisa kgwedi le kgwedi. Tlhakiso ya 1 Bala lekeno la hao Moputso Mehlodi e meng ya lekeno LEKENO LOHLE - 4 -

13 Mohato wa 2 Ditefo tse tsepameng Kgwedi le kgwedi ho na le ditefello tse itseng tseo o lokelang ho di lefa, ha ho se jwalo, ho ka hlaha mathata a maholo. Mohlala, haeba o sa lefe rente, o ka qobellwa ho tswa ka hara ntlo ya hao; haeba o sa lefe tefoqonwana (instolemente) ya fanetjhara ya hao, e ka hapuwa kapa haeba o sa lefe tjhelete eo o e kadimileng, o ka fumana kahlolo kgahlano le lebitso la hao. Leqepheng la bobedi, etsa lenane la ditefo tsena tsohle tse tsepameng tsa kgwedi le kgwedi ke mang/ke eng ya lokelang ho leshwa, le hore tefello ya kgwedi le kgwedi ke bokae. Hape etsa lenane la ditefello tsohle tseo o lokelang ho di lefa empa eseng tsa kgwedi le kgwedi (tadima maqephe a 5,6 le 7) jwaloka dilaesense bakeng sa koloi kapa thelevishene (TV), dibuka tsa sekolo, meketjana ya matsatsi a tswalo, diaparo le tse ding. Nahana ka ho behella tjhelete e itseng ka thoko kgwedi le kgwedi hona ho tla o thusa ho boloka e le hore o kgone ho lefa ditshenyehelo tsena ha di ntse di hlaha. Kamehla leka ho baballa mefuta ena ya ditshenyehelo e le tlase. Haeba o na le mathata a ditjhelete, o se ke wa hlola o itlama ka melato efe kapa efe hape ho fihlela dintho di ntlafala. Tlasa dikadimo kenyeletsa tjhelete hammoho le tswala eo ha jwale o e kolotang mokadimani e monyenyane, mokadimani wa kadimo ya nakwana kapa banka eo o kadimileng ho yona. Tlhakiso ya 2 Ditefo tse tsepameng ente/bonto Direiti le makgetho Inshorense: Ntlo/Koloi Ditefo tsa dipalangwang (teksi/bese/terene) Thekokgiro/Kgiriso Akhaonto ya diaparo Ditefo tsa sekolo Dikadimo Dilaesense (TV/koloi/jj) Tse ding TEFO TSOHLE TSE TSEPAMENG - 5 -

14 Mohato wa 3 Ditefello tse fapaneng Ho fapana le ditefello tse tsepameng moo o tsebang hantle hore o lokela ho behella ka thoko tjhelete e kae ka kgwedi le kgwedi, ho na le ditefello tse ding tseo o lokelang ho di lefa, empa moo o nang le taolo ya hore di phahame kapa di theohile hakae. O lokela ho ja le ho nwa empa ha o lokele ho ja nama e theko e thata le ho nwa veini e theko e thata ka letsatsi le letsatsi. O ka hloka ho letsa mehala, empa o ka nka mehato ya ho laola bongata ba mehala eo o e letsang ka kgwedi le kgwedi. O ka batla metsi le motlakase empa o ka laola bongata ba tshebediso ya tsona. O ka nna wa se tsebe hantle hore o sebedisitse bokae dinthong tsena. Haeba ho le jwalo, boloka rekoto e kenyeletsang tsohle bakeng sa kgwedi kapa tse pedi ho fihlela o tseba hantle hore o hlile o sebedisa tjhelete e kae eo o e sebeleditseng ka thata. Tlhakiso ya 3 Ditefo tse fapaneng Dipalangwang Kerosari Nama Motlakase Mohala/Fono Ditokiso lapeng le disebediswa Khemisi Ngaka/Ngaka ya meno Ditefiso tsa banka/ditefiso-mokadimani Tse ding DITEFO TSOHLE - 6 -

15 Mohato wa 4 Ditefello tsa boikgethelo Ditefello tsa boikgethelo ke ditefo tsa dintho tseo o ratang ho di lefella empa o sa tlameha hakaalo. Hangata, ke hona karolong ena moo ho nang le menyetla e metle haholo ya ho tswa ka hara mathata kapa ho boloka tjhelete. Batho ba tsubang, ha re tea ka mohlala, ba ka makala ha ba ka dula fatshe ba bala hore ke tjhelete e kae eo ba e sebedisang ka tlwaelo ya ho tsuba feela. Bohle re rata ho apara hantle, empa ho thusa eng ho ba le diaparo tse ntle le dieta empa o se na ntlo eo o phelang ho yona. Tlhakiso ya 4 Ditefo tsa boikgethelo Diaparo Molohameriri/Dihlahiswa tsa meriri Dihlahiswa tsa letlalo Tahi Disakarete Boithabiso Matsatsi a phomolo Mekete ya tswalo Dimpho Dikoranta/dibuka/dimakasine Dibapadiswa Ditlwaelo/dipapadi Kereke Tse ding DITEFO TSA BOIKGETHELO TSOHLE - 7 -

16 Mohato wa 5 Bajete ya hao Leqephe la 10 ke tokomane moo o ka kgutsufatsang diphetho tsa Tlhakiso ya 1-4. Nahana ka tokomane ena ka hloko kamora hore o e qete. Haeba ditefello tsohle tsa hao di feta lekeno lohle la hao, hona ho o tsebisa hore O LOKELA HO ETSA HO HONG ESALE JWALE ho boela o ba le taolo ya ditaba tsa ditjhelete tsa hao. Dikgetho tseo o nang le tsona ke tsena : Fokotsa tjhelete eo o e lefang Kapa Eketsa lekeno la hao - 8 -

17 LEQEPHE LA BAJETE YA HAO LEKENO LOHLE a DITEFELLO TSE TSEPAMENG Dintlha Tjhelete b DITEFELLO TSE FAPANENG Dintlha Tjhelete c DITEFELLO TSA BOIKGETHELO Dintlha Tjhelete d DITEFO TSOHLE [b] + [c] + [d] = e PHAPANO [a] [e] = f - 9 -

18 KAOLO YA 2 KADIMO E BOHLALE 2.1 HO KADIMA HO LOKELA HO BA KA SEWELO Baahi ba bangata ba Afrika Borwa ba dumela hore ho kadima ke tshwanelo. Ka lebaka la maikutlo ana, ba dula ba kadima jwalo. Mane Amerika maemo a ntse a itshwanela. Ka 1990 lelapa le bohareng la Amerika le sebedisitse tjhelete e batlileng e fihla ho $ ka dikadimo bakeng sa ho reka makoloi bophelong ba bona bakeng sa tswala feela. Maamerika a mangata a ne a ka phomola mesebetsing ka seo a se lefang dikadimong tsa dikoloi feela. Ha ho hlokehe ho reka koloi ka selemo se seng le se seng sa bobedi. Ho molemo hore mokitlane o sebedisetswe ho feta bothata bo potlakileng ba nakwana kapa ho reka thepa e kgolo ebe o e lefa ka dikgwedi le dikgwedi jwalo ka ditolemente tsa kgwedi le kgwedi haeba feela o kgona ho lefa ditolemente. Haeba o tswela pele ho kadima kgwedi le kgwedi, ha o na ba le tokoloho maemong a ditjhelete esita le boikemelo. Kamehla hopola ho ba ka tlase ho bokgoni ba hao. Hona ho bolela hore o sebedise tjhelete e ka tlase ho eo o e leshwang. Haeba o fumana ka kgwedi, o lokela ho sebedisa tjhelete e sa feteng e le hore o tsebe ho BOLOKA. 2.2 HO KADIMA HO LOKELA HO LAOLWA KE TLHOKO Ho molemo hore re kadime feela ha re fela re na le tlhoko. Na o kadima tjhelete ho reka dintho tseo o hlileng o sa di hlokeng kapa tseo o ka phelang ka ntle ho tsona? O tla rua haholwanyane ho feta haeba o bolokela seo o se batlang mme ebe o a se reka ha o na le tjhelete hona ke hobane ha o reka ka mokitlane, o lefa tswala ya tjhelete (e leng e lefiswang ka letsatsi le letsatsi hodima tjhelete ya masalla) ka tsela e jwalo o lefa haholo empa o boloka hanyenyane! 2.3 HO KADIMA HO SE BAKE KGATELLO E SA HLOKEHENG E mong le e mong o tla dumela hore ho phela ka sekoloto ho a hlobaetsa ho feta ho phela hara moedi wa bajete ya hao. E ka ba ntho e ferekanyang haeba o ke ke wa etsa kapa wa reka ntho efe ka efe eo o ratang ho e reka hobane o se na tjhelete. Ho phela ka tshoso ya ho lahlehelwa ke fanetjhara ya hao kapa ntlo ya hao kapa ho hloka dijo tafoleng ya hao, ke ntho e ferekanyang ka ho fetisisa, e bakang kgatello ya maikutlo mme ke qalo ya ntwa ya ka mehla ya monyolosathaba

19 Hona ho ka baka mathata a sa hlokeheng dikamanong e leng ho tla tshwaetsa bophelo ba hao ba kamehla. 2.4 E BA MOEKI YA LOKILENG Dikeletso ho moreki FUMANA DINTHO TSE NGATA KA TJHELETE YA HAO PELE O EKA KAPA O KADIMA TJHELETE: Nahana ka hore ke dihlahiswa kapa ditshebeletso tseo o di hlokang. Bapisa mefuta le ditheko mme o potolohe hohle. Haeba o kadima tjhelete, bapisa ditekanyetso tsa tswala. Kopa metswalle dikgothaletso mme o batle dipehelo tsa molao bakeng sa papiso. Batlisisa hore hobaneng ba sebeletsana le khamphani eo, ba lefa bokae, mme ka dintlha tsena o ka inahanela hore o batla ho ya kae bakeng sa kadimo. Bapisa mabenkele. Batla lebenkele le nang le setumo se setle ebe o etsa moralo esale pele ho nka monyetla wa ditheko tse theotsweng. Batlisisa hore na khamphani eo e na le setumo. Hlahloba ditefiso tse ekeditsweng jwaloka ditefello tsa thomello ya thepa, ho hokelwa kapa ditefiso tsa tshebeletso. Mabapi le dikadimo tsa ba banyenyane, ho molemo ho hlahloba ditekanyetso tsa tswala le ho hlokomela ditshenyehelo tse patilweng. Bala ditiisetso kapa dikaranti e le hona ho utlwisisa seo wena le mohlahisi le lokelang ho se etsa haeba le na le bothata. Bala dipehelo tsa selekane kapa kontraka ka hloko. Etsa bonnete ba hore dikgeo tsohle tse sa tlatswang di tlatsitswe pele o e saena mme o etse bonnete ba hore O utlwisisa tumellano. Kopa morekisi ho hlalosa leano la lebenkele la kgutliso kapa phetolo. O se ke wa nahana hore ntho e theko e tlase hobane feela e bapatswa e le theko e tlase. KAMOA THEKO YA HAO KAPA TSHEBELETSANO YA KADIMO YA TJHELETE: Bala mme o latele ditaelo tsa kamoo o ka sebedisang sehlahiswa kapa tshebeletso kapa hore na ditolemente di lokela ho leshwa neng ho ya ka tumellano ya kadimo. Boloka dikhopi tsa dipapatso, diphephetjhana tsa pepeso le dibukana tseo o di filweng ha o ne o reka. Hlahloba sehlahiswa ka hloko ha se fihla o se romeletswe. Sebedisa sehlahiswa feela jwalokaha ho kgothaleditswe ke mohlahisi ka hara bukana ya tataiso / sephephetjhana. Bala mme o utlwisise tiisetso kapa karanti

20 Boloka dikontraka tsohle, diresiti tsa theko, ditiisetso/dikaranti, le ditaelo. Haeba bothata bo ntse bo tota, tsebisa ka bothata bona kapelepele. Ho leka ho lokisa dihlahiswa ka bowena ho ka hlakola karanti kapa tiisetso. Boloka faele ya mekutu ya hao ya ho rarolla bothata. E lokela ho kenyeletsa mabitso a batho bao o buang le bona le letsatsi, nako le sephetho sa puisano. Boloka dikhopi tsa mangolo ohle ao o a romelang le dikarabo tseo o di fumanang. Ngola mabitso a dikgwebo kapa batho batho bao o ba romellang dikhopi tsa lengolo la hao. Bolela nomoro ya mofuta kapa mmotlolo, nomoro ya seriale le lebitso la mofuta wa sehlahiswa. HOPOLA: Tabeng ya pele, ikopanye le morekisi kapa mofani wa ditshebeletso haeba o na le tletlebo. Haeba seo se sa rarolle bothata ba hao, ikopanye le ofisi ya ntlokgolo ya khamphani. Haeba bo so rarollwe, ikopanye le South African National Consumer Union bakeng sa mekgatlo e tshwanelehang e ka o thusang ho rarolla taba ena le khamphani, ka ntle ho tefo. Ho nka dikgato tsa molao e lokela ho ba ntho ya ho qetela

21 DIKONTAKA O se ke wa saena eng kapa eng eo o sa e balang kapa hona ho e utlwisisa hantle. Haeba o sa utlwisise kontraka, kopa motho e mong ya tsebang ho o thusa. O se ke wa saena kontraka haeba mokadimani kapa morekisi a sa o dumelle ho fumana motho e mong ho e hlahloba pele. Etsa bonnete ba hore ditshepis tsohle tsa molomo di kenyeleditswe ka hara kontraka e ngotsweng. Ha o na ba le hona ho tshepa seo morekisi a se buileng, haeba se sa ngolwa ka hara kontraka. O se ke wa saena kontraka e nang le dibaka tsa dikgeo. Taka mela dikgeong tseo pele. Etsa bonnete ba hore o fumana khopi ya kontraka eo o e saenetseng mme o e boloke sebakeng se tshireletsehileng. Etsa selekane kapa kontraka feela le mekgatlo e nang le setumo se lokileng. Boemong ba bakadimani ba banyenyane bapisa ditekanyetso tsa tswala mme o etse bonnete hore mokadimani e monyenyane o ngodisitswe ho Molaodi wa Mekitlane ya Naha (National Credit egulator). Mohala: or 0860 NC NC. INSHOENSE LE MATSETE Bareki ba bangata ba buisana le barekisi ba bangata ba inshorense mabapi le dipholisi tsa lepato, matlole a penshene, inshorense ya bophelo le inshorense ya thepa. Balaodi ba matsete ba bile ba fana ka ditshebeletso tsa bona ho bareki. Molao wa Boeletsi ba tsa Ditjhelete le Ditshebeletso tse Bohareng (The Financial Advisory and Intermediary Services (FAIS)) o baballa bareki ba rekang kapa ba tsetelang ho dihlahiswa tsa tjhelete. Phumantsho ya keletso ka mofepedi wa sehlahiswa (mohlala, mofani wa inshorense), moemedi wa inshorense kapa molaodi wa matsete, le phano ya ditshebeletso tsa bohareng ka mohlahisi wa ditjhelete tsa bohareng, di babaletswe ke Molao ona o ka hodimo. Haese ha ba tshwaneleha, batho ba amehang diketsong tsena ba lokela ho ba le dilaesense tsa Lekgotla la Ditshebeletso tsa Ditjhelete Financial Services Board (FSB) mme mokgwa wa mmaraka wa bona (ke hore mokgwa oo ba lokelang ho sebetsana le bareki) o laolwa ke Molao. Bareki ba lokela hore ka nako e tlang ba etse bonnete ba hore ba etsa kgwebo feela le bafani ba ditjhelete ba nang le dilaesense kapa baemedi. Molao o bile o baballa ofisi ya (the FAIS Ombud) e le ho sebetsana le ditletlebo tsa moreki kgahlano le bafani ba ditshebeletso tsa tjhelete kapa baemedi ba bona. Sepheo sa Ombud ke hore ditletlebo di lokela ho rarollwa ka potlako le ka bobebe ka ntle ho ditshenyehelo ho moreki

22 KAOLO YA 3 HO LEFA DIKOLOTO TSA HAO 3.1 DITLAMOAO TSA MOLAO MABAPI LE HO TLOLA DITSHWANELO TSA TEFO YA DIKOLOTO Haeba o na le mathata afe kapa afe a ho lefa dikoloto tsa hao, o lokela ho ikopanya le morekisi kapele. Haeba o ke ke wa etsa ditlhophiso tse ding le morekisi wa hao, ba ka ba le hona ho fetisetsa taba ena ho mmokeletsi wa dikoloto kapa leqwetha le tla nka dikgato tsa molao kgahlano le wena ho fumana tjhelete eo o e kolotang. Haeba sena se etsahala o ka qetella o lefile haholwanyane bakeng sa sekoloto seo ka lebaka la tswala e eketsehileng le ditefiso tsa molao o tla hle o be maemong a mabe haholo ho feta pele ebile o ka ba le rekoto e mpe haholo ya mokitlane. Ho bareki ba bangata, boiphihlelo ba ho fumana mangolo a molao le ditokomane le diketelo tsa baromuwa ba lekgotla la dinyewe esita le babokeletsi ba dikoloto ke ntho e tshosang e bileng e ferekanyang. Ka tsela e jwalo, mona ka tlase re bontsha tsela eo hangata e latelwang ha moreki a hlolwa ke ho lefa sekoloto kapa ho etsa ditlhophiso le morekisi. e nahana hore sena se tla o matlafatsa ho utlwisisa seo e leng ditshwanelo tsa hao maemong ana le hore ditokelo tsa hao ke dife haeba o sa sebeletswa ka botshepehi. Karolong ena, diphetoho tsa tshebetso ya molao tse fetohileng molao ka Phupjane 2007 ha NCA e ne e qala ho sebetsa, di tla hlaloswa. Diphetoho tsena di reretswe ho fa bareki tshireletso ka, mohlala, ho ba kgothaletsa ho batla thuso ho tswa ho moeletsi wa tsa dikoloto, haeba ba na le dikoloto tse ngata ho feta tekano. 3.2 MEHATO YA PELE MEHALA, MANGOLO A HO BATLA KA TAELO, HO SAENA DITOKOMANE KAPA HO AMOHELA KAHLOLO Dikhamphani tse ding di tla o founela ha o sa lefe sebedisa hona e le monyetla mme o ikemisetse ho lefa kamoo o ka kgonang ka teng. Etsa bonnete ba hore o lefa seo o se tshepisang hona ho tla etsa hore o qobe hore akhaonto ya hao e bokellwe ho ya ka tshebetso ya molao wa lekgotla la dinyewe. O ka nna wa fumana lengolo la taolo ya ho batla tefo kapa khamphani e tla romela mosebeletsi kapa moemedi wa yona ha hao kapa mosebetsing ho romela lengolo la taolo ya ho batla. Hapehape, nka monyetla wa sena mme o etse tlhophiso ya tefo. Hangata ha o fumana ketelo, o kotjwa ho saena ekaba

23 Hangata ha o fumana ketelo, o kotjwa ho saena ekaba Karolo ya 57 Tsebiso ya Sekoloto mona o tla saena hore o kolota tjhelete (tjhelete eo e tla bolelwa hore ke bokae), le hore o tshepisa ho lefa kgwedi le kgwedi ditolomente tsa tjhelete eo e boletsweng. O tla saena hore haeba o ka hlolwa hape (o sa lefe) ho setolomente sefe kapa sefe jwalokaha ho dumellanwe, morekisi a ka nka ditokomane tseo o di saenetseng a di isa lekgotleng la dinyewe, ebe o ritela nyewe ya kahlolo kgahlano le wena, mme ka mohlomong ebe o fumana emolumente e hokelwa kgahlano le moputso wa hao (tadima leqephe le latelang); KAPA Karolo ya 58 ya Tumello ya Kahlolo hore o dumela hore kahlolo e behwe ka hara lekgotla la dinyewe le hore ho hulwe tjhelete moputsong wa hao. Phapano pakeng tsa karolo ya 57 le 58 ke hore ho karolo ya 57 o sa na le monyetla wa bobedi ha ho kahlolo haeba o boloka tshepiso ya ho lefa ho ya ka tlhophiso. Ho karolo ya 58, o dumela kahlolo kapelepele. Mmokeletsi wa dikoloto / leqwetha a ka, kamora ho o romella lengolo la taelo ya ho batla, le ka ntle le ho romela moromuwa ho o etela, kapa ho o etsa hore o saenele karolo 57/58, a ka romela moromuwa wa lekgotla dinyewe ho o fa taelo ya lekgotla la dinyewe hangata lapeng kapa mosebetsing kapa atereseng eo o faneng ka yona ka hara kontraka ha o ne o saenela tumellano (hona ho bitswa aterese ya domicilium ). Ha o fumana taelo ena ya lekgotla la dinyewe: O na le matsatsi a mahlano (5) a tshebetso ho tsebisa hore o rata ho ipelaetsa kgahlano le nyewe ena. Haeba o fela o kolota tjhelete, ha o na ho ba le lebaka la ho ipelaetsa kgahlano le nyewe ketso ya bohlokwa ka ho fetisisa ke ho letsetsa leqwetha le ho etsa ditlhophiso tsa ho ba lefa ka ditolemente tsa kgwedi le kgwedi. O kgothaletse hore ba se ke ba hlophisa kahlolo hobane ha o sa tla tlola tefo hape mme o baballe tumellano ena. O hlahise seo le dumellaneng ka sona ka ho ngola fatshe ebe o ba romella khopi (o boloke bopaki). Haeba o sa kolote tjhelete, kapa o sa dumellane le tjhelete eo ba reng o a e kolota, o lokela ho fana ka tsebiso hore o rata ho ipelaetsa kgahlano le nyewe. Mabapi le sena, Tsebiso ya Boikemisetso ba ho ipelaetsa e hoketswe ka morao ho kahlolo / taelo ya lekgotla la dinyewe. O tla lokela ho e tlatsa, o e romele (o e ise) atereseng e fanweng mme hang ha ba saenetse resiti, o nke tokomane ya sethatho le khopi e saenetsweng ke morekisi o di ise ho Tlelereke ya Lekgotla la dinyewe. Boemong bona o lokela ho ikopanya le morekisi, o leke ho rarolla taba ena, kapa o lokela ho fumana leqwetha ho o thusa ho tla fanwa ka letsatsi leo ka lona taba ena e tla mamelwa ka lekgotleng la dinyewe. Hona ho ka batla tjhelete e ngata mme tharollo ya bohlokwa ka ho fetisisa hangata ke hore o qale ka ho rerisana ka tefo ka ntle ho lekgotla la dinyewe kapa ho be le tumellano

24 Ho latela taelo e ntjha ya NCA, bareki ba nang le sekoloto se phahameng haholo mme ba ke ke ba kgona ho lefa ditefo tsohle tsa bona, ba na le hona ho ya ho moeletsi ka tsa dikoloto ho ba thusa ho etsa moralo wa lenaneo la tefo le pele tshebetso ena e ka hodimo ya molao e latelwa hona ho bolela hore hang ha o amohela lengolo la taolo / tsebiso ya hore akhaonto ya hao e a kolota, o lokela hore kapele o ye ho barekisi kapa moeletsi wa tsa dikoloto. 3.3 DIKAHLOLO LE DITAELO TSE DING TSA LEKGOTLA Haeba o saena karolo ya 57 mme o etsa phoso, kapa ha o saena karolo ya 58, kapa haeba o sa arabele pitso ya lekgotla la dinyewe, lekgotla le ka beha kahlolo kgahlano le wena ka bongata ba tjhelete e itseng e boletsweng e na le tswala le ditshenyehelo. Lekgotla le ka boela hape, kamora hore kahlolo e behwe, la fana ka e nngwe ya ditaelo tse latelang tse amanang le kamoo morekisi a tla boela a fumana tjhelete ya hae ka teng ho tswa ho wena : Taelo ya ho hatjwa ha thepa ya hao * Moromuwa wa lekgotla la dinyewe o tla rongwa ntlong ya hao ho etsa lenane la dintho tsohle tseo o nang le tsona (mohlala, fanetjhara ya hao, thepa ya kitjhini, koloi, jwalojwalo). Dintho tsena ho a fihla bongateng ba tjhelete eo o e kolotang di tla rekiswa fantising haese ha o na le tjhelete e batlehang mme o na le hona ho e lefa kaofela. Moromuwa wa lekgotla a ka nna a se kenyeletse lenaneng dibethe, mealo le diaparo mme tsena tsona o ka di boloka. Ha dintho tsena di se di rekisitswe, mme moromuwa wa lekgotla la dinyewe a se a lefilwe, tjhelete e setseng e tla fuwa morekisi. Haeba thekiso e sa hlahise letho bakeng sa ho lefa sekoloto sena, le ntlo ya hao, ntlo ya hao e ka nna ya rekiswa ka taelo ya lekgotla la dinyewe. Haeba ho na le tjhelete e setseng kamora thekiso, morekisi a ka kopa lekgotla la dinyewe bakeng sa ho ba le kgulo moputsong wa hao. Taelo ya ho hulwa moputsong wa hao * Ona ke o mong wa mekgwa e tlwaelehileng ya ho lefiswa ha sekoloto ho tswa ho moreki kamora hore kahlolo e dihwe. Mona, lekgotla la dinyewe le laela monnga mosebetsi ho hula sekoloto ka ditolomente tse boletsweng ho tswa moputsong wa hao. Ka nako e nngwe e bitswa ka phoso ka hore ke taelo ya garnishee. Ebile hape ha se molao hore monnga mosebetsi a hane ho hula tjhelete jwalokaha taelo e tswa lekgotleng la dinyewe. Taelo ya kgulo garnishee * Mona ke moo lekgotla la dinyewe le laelang motho e mong (hangata banka ya hao) ya o kolotang tjhelete ho lefa morekisi eseng wena. Mohlala, ka mohlomong haeba o no o na le polokelong ya hao ya akhaonto ya banka, mme o kolota morekisi , lekgotla

25 la dinyewe le ka laela banka ho lefa ho tswa akhaontong ya hao ya banka ho lefa morekisi. 3.4 DITSHENYEHELO TSE BOHLOKO TSA HO LEFA DIKOLOTO TSA HAO HO YA KA KAHLOLO FHo tswa ho se ka hodimo, o ka bona hore ho qosa tjhelete e ngata haholo haeba akhaonto ya hao e fuwa tikolohong ya pokeletso ya molao ha o lokele feela ho lefa sekoloto sa pele, empa jwale o ka lokela ho lefa tswala e ekeditsweng (ho ka o nka nako e telele ho lefa, mme tswala e lefiswa ka letsatsi le letsatsi), ditefiso tse ekeditsweng ho maqwetha, ho babokeletsi ba dikoloto, ho moromuwa wa lekgotla la dinyewe haeba ba ameha ho lefa tjhelete ho barekisi kapa bafani ba hao ba sekoloto. Mona re bontsha mohlala wa ditshenyehelo le tswala tse lefiswang hodima sekoloto moo kahlolo e beilweng e neng e le ya sekoloto sa mme lekgotla la dinyewe le laetse tefo ya tswala ya 15.5% ka selemo: (kahlolo ya sekoloto e lefilwe ka ho lekana ka dikgwedi tse 18) Tjhelete e kolotwang ho ya ka kahlolo Tswala ka 15.5% ka 18 dikgwedi Ditefo tsa molao (10% hammoho le VAT) x 18 tshebetso ya molao- (5% ya setolomente ka seng) = x 18 Ditefo tse lokelang ho leshwa TJHELETE YOHLE E LESHWANG(kenyeletsa) Maqwetha a mang a lefisa ditefobakeg sa mohala Le lengolo faeleng mme hona ho ka boela ha eketsa haholo (hlokomela hore ha o a lefiswa haholo Ke maqwetha hona ho ka etsahala!) ( x 18) Hlokomela hape hore tekanyetso ya tswala e ne e phahame haholwanyane, e.g. 22% or 30%, mme o ne o tla qetella o lefa tswala e ngata haholo le ditshenyehelo tse ding Mme ka nako e teletsana. Hape ha taelo ya tefiso e fanwe, hangata fantisi ya moromuwa wa lekgotla la dinyewe e tla qetella ka thepa e rekisitsweng ka tjhelete e tlase ho feta kamoo boleng ba yona bo leng ka teng mme kamora hore moromuwa wa lekgotla la dinyewe a nke ditefello tsa hae, ka mohlomong o tla be o ntse o saletswe o kolota tjhelete e ngata mme o se na fanetjhara ya hao le dintho tse ding. Ka tsela e jwalo ke molemong wa hao ho ikopanya le morekisi kapa leqwetha hang ha o fumana tsebiso ya eng kapa eng mme o etse ditlhophiso tsa ho lefa. Haeba o ke ke wa iketsetsa jwalo, fumana motho e mong ya ka o thusang kapa o ikopanye le mmokeletsi wa dikoloto kapa ofisi ya keletso ya bareki ya fanang ka thuso ka ntle ho tefo. Ho molemo hore o batle keletso ya mahala ka hore ho na le ba bangata ba tla ithaopa ho o thusa, ba o lefise mme ba o behe maemong a mabe ho feta kamoo o neng o le ka teng pele. Ka tsela e jwalo, sekoloto se senyenyane se qetella e ba tshitiso e kgolo ho wena

26 KAOLO YA 4 DITOKELO TSA MOEKI LE DITHAOLLO TSA TOKISO KA KETSO YA MOLAO BAKENG SA SEKOLOTO Ho na le ditaba tse ngata mabapi le bareki ba ileng ba sebetswa hampe ke babokeletsi ba dikoloto ba ba tshosang haeba ba sa lefe, mabapi le dikgulo tsa ditjhelete meputsong ya bona e leng ho siyang moreki a se na tjhelete ya letho eo a ka phelang ka yona, le baromuwa ba lekgotla la dinyewe ba rekisang thepa empa moreki a ntse a lokela ho lefa bongata ba sekoloto. e o fa tse ding tsa ditataiso tsa kakaretso le ho o tsebisa ka mekgwa ya tokiso eo o nang le yona maemong ana empa qetellong ya letsatsi, wena - moreki o lokela ho ema mme o hatelle Ditokelo tsa hao tsa Moreki. 4.1 DITATAISO TSA KAKAETSO Haeba o kolota tjhelete, kamehla lefa, leha e ka ba tjhelete e nyenyane hakae le eo o ka kgonang ho e lefa, ke ho re, o se ke wa be o se o sa lefe letho ha o ntse o lefa haholwanyane, o tla lefa tswala e fokotsehileng qetellong ka nako e tlang. Haholoholo o se ke wa thefulwa ke maikutlo wa re tjhelete e setseng e fosahetse ka tsela e jwalo ha ke na lefa letho haeba o kolota tjhelete, o tla lefiswa tswala ka letsatsi le letsatsi ho fihlela sekoloto se lefilwe ka botlalo. O se ke wa saena ditokomane dife kapa dife tse feela haeba o kotjwa ho saena karolo ya 57 kapa 58, etsa bonnete ba hore dintlha tsohle di tlatsitswe tjhelete e tshwanelehang, tekanyetso ya tswala e lokelang ho lefiswa, tjhelete ya setolomente sa kgwedi le kgwedi, hore o lokela ho lefa neng le hore na jwang. O se ke wa lefa tokomane eo o sa dumellaneng le yona seo o se saenelang se a o tlama mme se tla ba le ditlamorao ho wena. Etsa bonnete ba hore o na le khopi ya seo o se saenetseng bona ke bopaki mme bo o thusa ho tseba seo ditshwanelo tsa hao di leng sona. Kamehla tletleba haeba o na le bothata mme o fumane thuso haeba o ke ke wa etsa ditlhophiso e le wena. Kamehla ikopanye le morekisi le leqwetha pele o nka kgato efe kapa efe ya molao (ka lebaka la ditshenyehelo) mme kamehla boloka rekoto ya hore o buisane le mang, ka nako efe le hore ho buisanwe ka eng. Ntho ya bohlokwa ka ho fetisisa, rekota seo ho builweng ka sona ka ho ngola mme o romele lengolo kapa imeile ho bona (boloka bopaki ba sena ka hore o ka bo hloka ka nako e tlang ho rarolla nyewe). 4.2 DITSHIELETSO KGETHO YA KGOTHALETSO LE IN-DUPLUM Moreki o na le mekgwa e mmedi ya boitshireletso ho ya ka molao o tlwaelehileng le ka tlasa Molao wa Naha wa Mekitlane (National Credit Act) oo a ka o sebedisang haeba a qoswa ke morekisi bakeng sa tjhelete efe kapa efe. Hona ho bolela hore morekisi o na le hona ho o qosa bakeng sa tjhelete, empa o na le tokelo ya ho itshireletsa ka ho ipuella lekgotleng la dinyewe mme o ka atleha haeba tsena tse latelang di le teng:

27 4.3 MELAO YA MMOKELETSI WA DIKOLOTO Haeba mmokeletsi wa dikoloto a lefisa bakeng sa ditshebeletso tsa hae, di lokela ho ngodiswa ho Lekgotla la Babokeletsi ba Dikoloto mme ha ba a dumellwa ho: Sebedisa matla kapa ho o tshosa ho sebedisa matla kgahlano le wena kapa ba lelapa la hao /ho o hlekefetsa mmeleng wena kapa ba lelapa la hao. Fa, kapa ho tshosa ka ho fana ka dintlha ho monnga mosebetsi wa hao e leng ho ka amang menyetla ya hao jwaloka mosebeletsi. Fa ditokomane dife kapa dife tsa leshano eka ke tsa molao. Ho itlhahisa eka ke baofisiri ba sepolesa, baromuwa ba lekgotla la dinyewe kapa diofisiri tsa lekgotla la dinyewe. Hasa, kapa ho tshosa ka ho hasanya dintlha dife kapa dife tsa leshano mabapi le boemo ba hao ba ho ba le mekitlane. Lefisa ho feta moedi wa tefo o beilweng ke Khansele kapa Lekgotla. Ka tsela e jwalo, haeba o sa thabela mokgwa oo mmokeletsi wa sekoloto a o sebetsang ka ona, kapa o dumela hore o o lefisa ho feta tekano, tletleba ho Lekgotla la Babokeletsi ba Dikoloto ho Mohala: /8483. Ka kakaretso, haeba nako ya ho qetela eo ka yona o neng o lokela ho lefa tjhelete efe kapa efe akhaontong e ne e feta dilemo tse tharo (3) tse fetileng, o ka ipuella ka ho nganga hore qoso e se e ntse e kgethilwe mme ya behwa. Haeba o hlaha ka boitshireletso bona (mme e le nnete), ha o na tshwanela sekoloto ho hang. (Hona ha ho sebetse haeba kahlolo e se e entswe). Haeba tswala, ditefo le ditefiso hodima akhaonto di le ngata ho feta tjhelete e setseng e lokelang ho leshwa ka nako eo o entseng phoso ya ho se lefe ka lekgetlo la pele, o ka qosa hore tswala, ditefo kapa ditefiso di hlakolwe ho ya ka leano la in-duplum. 4.4 KE NENG EBILE KE KA MOKGWA OFE OO KAHLOLO E KA FETOLWANG KA ONA Haeba ho banahala hore ha o a fuwa kahlolo ka tshwanelo o ka etsa kopo ho lekgotla la dinyewe hore kahlolo e hlakolwe. Lekgotla la dinyewe le tla kgona feela ho hlakola kahlolo haeba: Kahlolo e beilwe o le siyo lekgotleng la dinyewe (ke hore, kahlolo eo e ne e le phoso), mme O etsa kopo ya ho hlakolwa ha kahlolo nakong ya matsatsi a mashome a mabedi (20) kamora hore o hlokomele hore kahlolo e entswe, mme O rata ho ipuella kgahlano le qoso eo mme o ka bolela ka tsebiso ya bopaki (affidavit) hore ke hobaneng ha o sa ka wa itshireletsa kgahlano le nyewe eo esale pele le hore boitshireletso ba hao kgahlano le qoso kapa kahlolo eo ke bofe

28 TAELO YA TEFISO YA EMOLUMENTE KE ENG? Haeba o sa lefe tjhelete eo o e kolotang, lekgotla la dinyewe le ka laela monnga mosebetsi o hula tjhelete moputsong wa hao ho lefa mofani wa hao wa sekoloto. Hona ho bitswa Taelo ya Tefiso ya Emolumente. DITLAMOAO KE DIFE? O qetella o lefa tjhelete e ngata haholwanyane ho feta tjhelete eo o hlileng o lokelang ho e lefa ya sekoloto. Hona ke hobane o lefa tswala hodima sekoloto le ditefo tse ding ho maqwetha. Ditefo tsa Moromuwa wa lekgotla la dinyewe Tswala Ditefo tsa leqwetha Khomishene ho beng ba mesebetsi (bahiri) DITOKELO TSA HAO KE DIFE? O ka etsa kopo ho Lekgotla la dinyewe hore taelo ya kgulo ya emolumente e fediswe haeba o nahana hore e sebedisitswe ka phoso kapa o ka batla hore tefo e fokotswe haeba tefoqonwana (instolemente) eo o lokelang ho e lefa e feta kamoo o ka kgonang ka teng

29 O ka etsa kopo ho Lekgotla la dinyewe hore taelo ya kgulo ya emolumente e fediswe haeba o nahana hore e sebedisitswe ka phoso kapa o ka batla hore tefo e fokotswe haeba tefoqonwana (instolemente) eo o lokelang ho e lefa e feta kamoo o ka kgonang ka teng. Makgotla a dinyewe le ona a hlakola dikahlolo haeba o ka bontsha hore o lefile ditefo mme o na le lengolo le tswang ho morekisi le bontshang hore sekoloto sa hao se lefilwe ka botlalo mme ha a na qeaqeo ya hore kahlolo ya hao e hlakolwe. Hangata dikopo o di etsetswa ke leqwetha. Haeba o batla ho boloka ditshenyehelong tsena, o ka e etsa e le wena. 4.6 HO ETSA KOPO LEKGOTLENG LA DINYEWE HO HLAKOLA EMOLUMENTE (KGULO MOPUTSONG) HOE E HLAKOLWE KAPA E FETOLWE Ditaelo tsa dikgulo tsa emolumente ho moputso kapa dihlapiso di ka fumanwa ka ntle ho molao ka nako e nngwe, mohlala, ha o saenetse tumellano ya hore kgulo moputsong wa hao ka nako e le nngwe le eo o etsang kopo ya kadimo ka yona. Taelo ya lekgotla la dinyewe le yona e ka nna ya se kgotsofatse haeba o sa kgone ho lefa instolemente. Jwale o ka etsa kopo lekgotleng la dinyewe hore taelo e hlakolwe kapa e fetolwe. Kopo ya hao e tla hloka hore e be le tokomane e ka hodimo e bitswang Tsebiso ya Tlhahiso moo o bolelang seo o se batlang, mme o tla tshwanela ho hlahisa affidavit. Hona ho tla beha dintlha tsa nyewe ya hao. Haeba o sa kgone ho lefa ditefello, o tla bolela seo o ka kgonang ho se lefa ka kgwedi le kgwedi mme o tla tshwanela dintlha tse feletseng tsa moputso kapa lekeno la hao le ditshenyehelo mme o hokele bopaki (mohlala, ditatemente tsa akhaonto, diresiti tsa rente, sephephetjhana sa moputso). Lekgotla la dinyewe jwale le tla tadima diakhaonto tsa hao mme le etse qeto hore ke eng se ka bang bobebe hore o ka se lefa. Ke molemong wa hao ho lefa haholwanyane kamoo o ka kgonang ka hore ha instolemente ya hao e le nyenyane, o tla lefa tswala e ngatanyana. 4.7 HO ETSA KOPO KGOTLA HO THIBELA THEKISO YA THEPA Haeba moromuwa wa lekgotla la dinyewe a fihla lapeng la hao kamora kahlolo mme a balella ka ho hokela thepa ya hao e ka suthiswang kapa e ka nkehang (tadima leqephe la 16), o ka etsa kopo ho lekgotla la dinyewe ho fedisa taelo eo. Lekgotla la dinyewe le ka etsa hoo haeba o ka paka hore o ka kgona ho lefa ditefello tsa ditolemente tsa nako le nako le/kapa diemolumente/moputso tse hulwang kgahlano le moputso wa hao. Hape o tla tshwanela ho lefa ditefello tsena tsa nako le nako haeba ho se jwalo taelo ena e tla boeletswa hape mme

30 thepa ya hao jwale e tla rekiswa. Haeba kgokelo e sa ye ka molao kapa e fosahetse, o ka boela wa etsa kopo hore taelo e hlakolwe. 4.8 HA O A THABELA DITEFO LE DITEFISO TSA MAQWETHA? ETSA HOE AKHAONTO E LEFELLWE LEKGETHO Ho na le ditletlebo tse ngata tse tswang ho bareki hore ditefo tsa maqwetha di phahame haholo mme ha ba tsebe kamoo ba ka hlahlobang ka teng seo ba ka se lefisang kapa kamoo ba ka ipelaetsang ka bona ka teng. Beng ba mekitlane le bona ba ka qosa se dumellwang e le moedi wa tefo ho ya ka melao ya Lekgotla la dinyewe. Ho na le meedi ya tefiso e mmedi ya kakaretso bakeng sa ditefo tsa molao moedi wa tefiso o tlwaelehileng le moedi o phahameng haholwanyane o sebetsang haeba moreki a dumela kapa lekgotla la dinyewe le laela jwalo. Ha o saenela kontraka ya hao, hangata ho tla ba le molawana o reng haeba o etsa phoso, taba ena e tla fetisetswa ho maqwetha mme o tla tshwanela ho lefa ditefo tsa leqwetha ho ya ka moedi kapa sekala sa leqwetha le moreki. Hona ho dumella morekisi ho bokella dintho tse ngata empa palo eo a ka e bokellang e a laolwa. Haeba o nahana hore o tla lefiswa haholo ho feta tekano, kopa setatemente se bontshang tse lefellwang mme haeba o sa kgotsofala, kopa sephephetjhana sa tefiso (bili) se lokelang ho lefellwa lekgetho lekgotleng la dinyewe (kopa dipuisano ha o lefa hona). Bothata ba ho etsa hona ke hobane ho boima hore moreki hore a etse sena ka boyena ka hobane hona ho batla tsebo e hlwahlwa haholo ho ka phephetsa haeba e se palo eo ho sa hlakang hantle hore e fosahetse. 4.9 O TLASA TAOLO EMPA HA O TSWE KA HAA SEKOLOTO? Bo bong ba mathata ka sekoloto ke taba ya hore ho na le batho ba bangata ba bapatsang ebile ba fa bareki tharollo ya ho tswa sekolotong empa ditharollo tsena di bolela hore o a lefa bakeng sa ditshebeletso mme hangata ha o ntlafatatse maemo a hao. Bareki ba bangata ba lahlehetswe ke ditjhelete ka ho ikisa tlasa taolo mme ba lefa molaodi tjhelete e itseng kgwedi le kgwedi e le hore a abele barekisi ba fapaneng tjhelete. Tabeng ya pele, balaodi ba a lefisa bakeng sa ditshebeletso tsa bona empa ke karolo feela ya seo o ba lefang sona e fumanwang ke barekisi. Ka yona nako eo, o ntse o tswela pele ho lefa tswala, mme tjhelete e setseng dikolotong tsa hao e ka ba ya phahama ho na le hore e theohe hobane morekisi o fumana tjhelete e nyenyane ho feta tswala e lefisitsweng. O lokela hore kamehla o kope molaodi setatemente sa akhaonto ya hao ya kabo mme o kope barekisi hore ba o fe ditatemente tsa bona e le hore o bone se lefilweng. Haeba o iphumana o le maemong a sa o thuseng ka letho haeba o ile wa tshepa e mong wa balaodi bana ba etsang phaello, ikopanye le bafani ba

31 hao ba sekoloto ho etsa ditlhophiso ebe o ya lekgotleng la dinyewe ho hlakola thuso eo ya taolo haeba o batla thuso, fumana ofisi ya keletso ya moreki kapa moeletsi wa bareki ya sa etseng phaello hore a o thuse. MOLAO WA BOHLOKWA Buisana le bafani ba hao ba sekoloto ka botshepehi pele bothata bo hlaha ba bangata ba bona ba tla o mamela! 4.10 O NA LE DIKOLOTO TSE NGATA? FUMANA THUSO YA HO ETSA MOALO WA HO LEFA Molao wa Naha wa Mekitlane (The National Credit Act) o dumella bareki ba nang le dikoloto tse ngata ho fumana thuso, ke ho re, haeba o ke ke wa fihlella kapa wa lefa ditshwanelo tsohle tsa mekitlane ya hao ka nako e loketseng. Thuso ena e tla bolela hore o ka ba le moralo wa ho lefa o sebeditsweng o ka etswang ka taelo ya lekgotla la dinyewe, mme o tla thusa ho etsa bonnete o ka kgona ho lefella ditefo tsa hao tsa kgwedi le kgwedi. Hona ho tla bolela hape hore O tla behwa lenaneng le ikgethileng la biro (le tla hlakolwa kapa ho tloswa ha o se o phethahaditse ditshwanelo tsohle tsa hao) O KE KE WA NKA MOKITLANE O MONG HAPE PELE O LEFA DIKOLOTO TSA HAO KA BOTLALO. Ho tla ba le tefo eo o e lefiswang esale pele e leng ho eketsang sekoloto sa hao. Mona ke kamoo tshebetso ena e tla sebetsa ka teng: Haeba o na le dikoloto tse ngata ho feta tekano, o ka thusa ka moralo wa ho lefa ekaba ka Ka ho itemoha hore o hloka thuso mme o ka etsa qeto ya ho atamela e mong wa bafani ba hao ba sekoloto ya ithaopang ho o thusa a sa behelwa melao o o thusa ka moralo wa ho lefa (etsa bonnete ba hore ke tshebeletso ya mahala); KAPA moeletsi wa tsa dikoloto kapa mothusi wa tharollo ya dingangisano kapa lekgotla la dinyewe tsa bareki, ya tla o thusa ka molao ka moralo oo (ba bang e tla ba ba etsang phaello mme ba lefise tefiso e baletsweng, ba bang e ka nna ya ba ba sa lefiseng ka phaello mme o ka nna wa lokela ho lefa tjheletana e nyenyane feela = ka tsela e jwalo, etsa bonnete ba hore o tseba ditefiso hore e tla ba bokae); KAPA ha o fumana lengolo le tswang ho morekisi moo a o tsebisang ka hore o morao ka ditefello tsa akhaonto ya hao, o lokela jwale ho o eletsa hore o batle thuso ho moeletsi wa tsa dikoloto haeba o na le ditletlebo kapa ha o batla keletso ka moralo wa ho lefa. Morekisi a ka ya ritela nyewe lekgotleng la dinyewe feela bakeng sa kahlolo haeba o sa arabe kapa o sa etse kopo ya ho thuswa ka boeletsi ba mekitlane nakong ya matsatsi a leshome (10) a tshebetso (le matsatsi a fetang a mashome a mabedi (20) kamora hore o hlolwe ho lefa);

32 KAPA ha nyewe ya hao e fihla lekgotleng la dinyewe mme moahlodi a tadima boemo ba hao,moahlodi pele a diha kahlolo, a ka laela hore nyewe ya hao e hlahlojwe ke moeletsi wa tsa dikoloto. Ha o kopana le moeletsi wa tsa dikoloto, o tla tlatsa foromo e tlwaelehileng ya kopo e tla kenyeletsa dintlha tsa lekeno, sekoloto le ditshenyehelo. Moeletsi jwale o tla eletsa barekisi bohle mme ha ba na dumellwa ho qala ka dikgato tsa molao ho fihlela matsatsi a fetang a mashome a tsheletseng (60) a fetile (esita le ka yona nako eo, moahlodi a ka dumela hore tshebetso ya tekolo ya sekoloto e tswele pele). Moeletsi wa tsa dikoloto kamora ho hlahloba dintlha tsohle, jwale o tla etsa qeto: haeba e nngwe ya dikadimo /mekitlane ya hao e fanwe ha bohlaswa feela ke ho re, haeba ka nako eo o entseng kopo ya mokitlane, morekisi o hlolehile ho hlahloba hore o ka kgona ho lefa sekoloto (hona ho bolela hore dintlha tsohle tseo o faneng ka tsona di ne di nepahetse haeba o sa fana ka dintlha tsohle ka botlalo le ka nnete, mokitlane ha o na bonwa e le o bohlaswa). Haeba kadimo e entswe ha bohlaswa, moeletsi wa tsa dikoloto o tla etsa kgothaletso lekgotleng la dinyewe mabapi le taba ena mme moahlodi o tla fana ka taelo bakeng sa tefo ya sekoloto sena, mohlala, tswala e fokoditsweng /tefo e kginnweng /ho behella thoko tse ding tsa ditshwanelo tsa moreki. Hopola: o tla tshwanela hore kamehla o nne o lefe tjhelete eo o e kadimilweng! haeba o fumana mathata a tjhelete, itlhophisetse moralo wa ho lefa e le hore o kgone ho lefa ditefello tsa kgwedi le kgwedi. Haeba barekisi ba amohela moralo, moeletsi wa tsa dikoloto a ka fumana TAELO YA TUMELLO e tswang lekgotleng la dinyewe, haeba barekisi ba sa amohele moralo, moeletsi wa tsa dikoloto o tla isa tlhahiso kapa kgothaletso ena lekgotleng la dinyewe mme moahlodi o tla etsa qeto hore o amohela tlhahiso kapa tjhe (bafani ba hao ba sekoloto ba tla ba le tokelo ya ho a hlaha lekgotleng la dinyewe ho a hanana le tlhahiso ena haeba ba rata ho etsa jwalo). O ka nna wa lebellwa ho lefa barekisi ka ho sebedisa boemedi ba tefo ya sekoloto hape o lokela ho hlahloba haeba ho na le ditefello bakeng sa hona. Ha o sebetsana le batho kapa mekgatlo e o thusang ka meralo ya sekoloto le tefo ya dikoloto tsa hao, kamehla o hlokomele hore ba lefisa bokae bakeng sa ditshebeletso tsa bona ka lebaka la hobane hona ho eketsa sekoloto seo o seng o ntse o na le sona. Ba kope ho fana ka ditefiso tsa bona esita le ditshenyehelo mme tsena di ngolwe fatshe

33 Sebedisa kgetho e nang le ditshenyehelo tse tlase ka ho fetisisa (empa ba hlile ba lokela hore ba be hlwahlwa mme ba tsebe seo ba se etsang) haeba moeletsi wa sekoloto a le teng ho o thusa ka ntle ho tefo kapa ka tefello e tlase, ena ke kgetho e ntle ka ho fetisisa ka hore ba mpa ba rata ho o thusa feela, eseng ho iketsetsa tjhelete (batla ditsi tse sa lefiseng tsa keletso kapa di-ngo tse sa sebetseng ho fumana phaello). Bafani ba bang ba sekoloto ba ka ithaopa ho fana ka tshebeletso ya mahala ya tefello ya sekoloto mme ena le yona e ka boela ya ba kgetho e ntle empa hlahloba seo ba kgothaletsang hore se a kgotsofatsa ebile se a tshwaneleha. Qetellong, haeba o ke ke wa fumana e nngwe ya dikgetho tsena tse pedi, batla moeletsi wa dikoloto ya lefisang empa hlokomela haholo ditefiso mme o hlokomele hape hore ba etsa seo ba lokelang ho se etsa. Bakeng sa moeletsi wa tsa dikoloto sebakeng sa heno, kapa haeba o na le moeletsi wa tsa dikoloto eo o sa kgotsofalang ka lebaka la hae mme o batla ho tletleba, ikopanye le Molaodi wa Naha wa Mekitlane (National Credit egulator) ho Mohala: kapa 0860 NC NC KGAPO YA THEPA E EKILWENG KA MOKITLANE Molao wa Naha wa Bareki (The National Credit Act) o bile o fana ka tshireletso e eketsehileng bakeng sa bareki ba rekileng dintho tse itseng ka kadimo ya setolemente, ba fumaneng kadimo kapa kgiriso mme ebe ba etsa phoso ha ba lefa ditolemente tsa bona. Ho tloha ka Phupjane 2007, o na le hona jwale ho kgutlisa dintho kapa thepa ho morekisi nakong ya matsatsi a mahlano a tshebetso kamora ho fana ka tsebiso e ngotsweng ya hore o hlakola tumellano. Morekisi jwale o lokela ho o fa tekanyetso e ngotsweng ya boleng ba thepa eo nakong ya matsatsi a 10 a tshebetso. Nakong ya matsatsi a tshebetso a 10 o ka boloka thepa mme wa tswela pele ka kontraka kapa wa dumella morekisi ho rekisa thepa e le ho iphumanela theko e ntle e ka kgonehang ho fumaneha. Hang ha thepa e se e rekisitswe, o tla fumana tsebiso e ngotsweng e nang le dintlha tsa thekiso le tjhelete efe kapa efe eo o ka e kolotang haeba ho bile le kgaello e itseng. Kgaello ena e lokela ho leshwa hobane morekisi a ka fumana kahlolo kgahlano le wena. Haeba o sa kgotsofala bakeng sa thekiso, o lokela ho ikopanya le morekisi kapa o fumane thuso ya monamodi kapa o ikopanye le lekgotla la heno la provense la dinyewe tsa bareki

34 KAOLO YA 5 HO TSEBA KA BIO YA MEKITLANE Ditlamorao tse ding tse bohloko tsa ho se lefe diakhaonto tsa hao e leng eo bareki ba bangata ka ho fetisisa ba sa e rateng, ke taba ya hore dintlha tsena di rekotwa ho biro ya mekitlane mme bareki ba bangata ba ba le bothata ba ho fumana mokitlane hape. Mona re hlalosa kamoo biro e sebetsang ka teng le seo o lokelang ho se etsa ho baballa rekoto ya hao e lokileng. 5.1 TSHEBETSO YA HO EKOTA DINTLHA TSA MOKITLANE HO BIO YA MEKITLANE Molao o motjha wa Naha wa Mekitlane (National Credit Act) o laela hore bafani bohle ba sekoloto ba rekote dintlha tsa mokitlane ka mong o fanweng ho e nngwe ya dibiro tse kgolo kapa bangodisi. Ha mekgatlo e ntse e fana ka dintlha, dintlha tsohle tsa rekoto ya mokitlane wa hao di tla hlaha ho biro. Dintlha tsena di kenyeletsa lebitso la hao, boitsebiso (ID), aterese le nalane ya ho lefa (ekaba hore o lefa ka ditolomente kgwedi le kgwedi kapa tjhe), dintlha dife kapa dife tsa ho etsa tlota le dikahlolo, ditaelo tsa tsamaiso le phello ya tjhelete. Bafani bohle ba sekoloto jwale ba tlangwa ke molao ho hlahloba hore moreki a ka kgona ho lefa sekoloto/ho etsa bonnete ba hore moreki ha a na ba le dikoloto tse ngata ka lebaka la sekoloto se setjha seo a se fuwang, ka tsela e jwalo ba na le hona kaofela ho hlahloba ho biro rekoto ya hao: haeba rekoto ya hao e le ntle, o ne o ntse o lefa dikoloto tsa hao kgwedi le kgwedi mme o na le tjhelete eo o e bolokileng, o na le hona ho ka fumana sekoloto se seholwanyane haeba o na le rekoto e mpe (ekaba diphoso kapa dikahlolo kapa taelo ya tsamaiso), morekisi a ka hana ho o fa sekoloto se seng hape ka lebaka la rekoto ena e mpe. Ka tsela e jwalo, batho ba bangata ka ho fetisisa ba ngodisitswe ho biro ya mekitlane ba bang ba na le direkoto tse ntle ha ba bang ba na le direkoto tse mpe. Ke ha bareki ba na le direkoto tse mpe moo batho ba buang ka bona ka hore ba lenaneng la ba sa lefeng ka tshwanelo blacklisted. 5.2 DITLETLEBO TSA MOEKI Haeba o na le phoso ya ho tlola tefo kapa o ngotswe lenaneng la ba sa lefeng mme jwale o lefa sekoloto sa hao ka botlalo, ho lokela ho be le moo ho ngotsweng maemo a LEFILE KA BOTLALO a ngotsweng ho biro ho ngolwa lenaneng ho tla hlakolwa feela jwalokaha ho bontshitswe theiboleng ya leqephe la 8 ka tsela e jwalo, o se ke wa thetswa ke ditshepiso tsa ho tloswa lenaneng la ba sa lefeng, jwalokaha melawana e ka hodimo e lokela ho latelwa. Haeba o hanetswe ka sekoloto ka lebaka la ho kenywa lenaneng la ba sa lefeng ke ba Biro ya Mekitlane, o na le tokelo ya: ho tsebiswa hore ke biro efe e o kentseng lenaneng mme o be o fuwe dintlha tsa bona tsa boikopanyo ho kopa ho bona rekoto ya hao ya mokitlane

35 Kamoo o ka fumanang khopi ya rekoto ya hao ya mokitlane ka teng Biro e reretswe ho baballa sephiri sa hao (e se bontshe batho direkoto tsa hao ka ntle ho tumello ya hao), boloka direkoto tse nepahetseng hantle (bona ke boikarabelo ba barekisi ba fang ka dintlha ho biro) mme o bulehe le ho ba le ponaletso ho bowena ba hao ka tsela e jwalo, o na le tokelo ya ho fumana khopi e le nngwe (1) ya mahala ya rekoto ya hao ya mekitlane selemo le selemo kapa o ka reka khopi ka 14,99 ho Biro ha e na fana ka dintlha ka mohala (founu) etswe o lokela ho hlahisa bukana ya hao ya boitsebiso (ID) hona ke ho baballa sephiri sa hao. Ikopanye le TANS UNION: Mohala kapa Experian Bureau: Mohala Ho hlakola dintlha tse mpe ka wena ho biro ya mekitlane Dintlha dife kapa dife tse mpe rekotong ya hao ya mekitlane di ka hlakolwa feela: Ha dintlha di fosahetse. Ha nako e badilweng e se e fetile hona ho tla iketsahalla ka ho otloloha. Ha kahlolo e hlakotswe lekgotleng la dinyewe. Haeba khamphani e neng e kopile hore ho kenyeletswe lenaneng e laela biro ya mekitlane ho hlakola kapa ho tlosa dintlha hobane lenane le ne le fosahetse. Haeba e nngwe ya tse boletsweng ka hodimo e amana le wena, dintlha tse mpe ka wena kgahlano le lebitso la hao di lokela ho hlakolwa kapa di tloswe ka ntle ho tefo. 5.3 SEO O SE ETSANG HA O KENTSWE LENANENG KA PHOSO Tabeng ya pele, tletleba ho morekisi ya o kentseng lenaneng mme ha o se na lehlohonolo, ebe jwale o tla leba ho biro ka boyona. Haeba ba sa o thuse, fetisetsa tletlebo ya hao ho Credit Information Ombud ho Ofisi ena ya ombud e fana ka tshebeletso ya mahala ho bareki ba nang le ditaba ka dintlha tse ho biro. Ka tsela e jwalo ha ho hlokahale ho lefa leqwetha kapa khamphani e fanang ka thuso ya ho hlakola lebitso lenaneng haese ha o batla ho ya lekgotleng la dinyewe ho a hlakola kahlolo. Batho ba bangata ba ngotswe lenaneng la ba sa lefeng ka tshwanelo hobane ba sa latela bajete ya motho ka mong. Haeba o etsa moralo hantle ka nepo mme o lefa barekisi ka nako, o tla ikahela rekoto e ntle ya mekitlane hape. Etsa bonnete ba ho latela maano a bajete a boletsweng bukeng ena ka hloko mme maemo a hao a ditjhelete a tla hle a ntlafale e le ka nnete

36 KAOLO YA 6 LEABA LA SEKOLOTO LE TAOLO Sepheo sa puisano ena ke ho hlokomedisa bophatlalatsi le setjhaba mabapi le leraba la sekoloto le tokelo eo bareki ba nang le yona ho dintlha bakeng sa dikgetho, le ditshenyehelo tse amehang ho behwa ka tlasa tsamaiso le ditshenyehelo tsa tswala e eketsehileng. 6.1 LEABA LA SEKOLOTO KE ENG? Bakadimi ba lokela ho hlokomela ditlamorao tsa ho ba le dikoloto tse ngata le dikotsi esita le tshenyehelo ya ho kgetha tsamaiso ya taolo ya sekoloto. Ditshwaetso tsa ho ba le dikoloto tse ngata le tshebediso e mpe ya tsamaiso ya sekoloto di ke ke tsa toboketswa ho feta mona. Ka bomadimabe, batho ba itseng ba pelo di mpe ba nka ho ba le dikoloto tse ngata e le mokgwa le monyetla wa ho iketsetsa tjhelete, mme ba ngoka le ho hohela bareki ba sa lebelleng hona mme ba na le dikoloto tse ngata ka ditshepiso tsa ditharollo tse potlakileng tsa ho fedisa dikoloto tsa bona. 6.2 O LOKELA HO ETSA ENG HAEBA O HLOLEHA HO LEFA SEKOLOTO SA HAO? Ho lefa tjhelete yohle (kapa ho sebedisa karete ya ho hula debiti) ke kgetho e theko e tlase ka ho fetisisa ka hore ha ho tswala e eketswang ho tjhelete ya theko; Bareki ba ka kgona hangata ho kopa theolelo; Ho bobebe haholwanyane ho bapisa mabenkele bakeng sa theko e lokileng ka ho fetisisa. 6.3 KE MENYETLA EFE E MENG YA TJHELETE EO MOEKI A NANG LE YONA? Karolo ya 74 ya Molao wa Moahlodi wa Lekgotla la Dinyewe (Magistrate s Court Act) o dumella batho ba se nang matlotlo a tshwarehang le dikoloto tse fihlang ho ho etsa kopo ho makgotla a dinyewe bakeng sa taelo ya tsamaiso. Taelo ena e baballa nakwana beng ba sekoloto (bareki) ho tswa ho barekisi mme e hatella moralo wa ditefello o dumellang bakadimi ho lefa dikoloto tsa bona mme ba ntse ba na le tjhelete bakeng sa merero ya bophelo. Bareki ba lokela ho hlokomela hore ke kgetho e batlang tjhelete e ngata hobane e ka qosa ho a fihla ho ho fumana taelo ya tsamaiso. Balaodi jwale ba tla nka 12,5% ya ditefo tsa kgwedi le kgwedi bakeng sa ditshebeletso tsa bona ha beng ba mosebetsi ba nka 5% e nngwe ya tefo ya bolaodi hobane ba lokela ho lefa motsamaisi tjhelete e boletsweng kgwedi le kgwedi

37 Mohlala: Mokitlane wa o ka leshwa ka mekgwa e mmedi: ka tekanyetso ya tswala ka selemo (28%) kapa ka tlasa tsamaiso ya taelo ya lekgotla la dinyewe. Tekanyetso ya tswala ka selemo Ka 28% tswala ka selemo, tefo ke: Tjhelete e kolotwang (ka 28% p/m) Nako ya tefo: 12 dikgwedi Ditefo ka kgwedi: Tjhelete yohle e lefilweng: Tlasa tsamaiso Tlasa tsamaiso, tefo ke: Tjhelete e kolotwang: Ditefo tsa molao bakeng sa taolo ya tsamaiso: Tefo e ntjha: 450 p/m Tlase ho 5% ho mohiri: p/m Tlase ho 12.5% ho motsamaisi: p/m Tefo ho barekisi: p/m Nako ya ditefo: 109 dikgwedi (ka dilemo tse robong) Tjhelete yohle e tla leshwa: HO BOLELA ENG KA HO BEHWA TLASA TAOLO? Taelo ya tsamaiso ke kgetho ya bohlokwa ya ho baballa le ho thusa bareki ho boela ba lefa dikoloto tsa bona ka tshwanelo le ka bokgoni le ho ba thusa ho boela ba kena kgwebong ka seriti tshebetsong ya bona. E beha taolo ya ditaba tsa ditjhelete matsohong a batsamaisi ba sekoloto. Motsamaisi o amohela lekeno la hao mme, kamora ho hula tjhelete ya hao ya ho lefa ditshenyehelo tsa hao tsa bophelo, o aba tjhelete e setseng ka tshwanelo ho bafani ba hao ba sekoloto. Motsamaisi a ka, ho latela Molao wa Moahlodi wa Lekgotla la Dinyewe (Magistrate s Court Act), lefisa tefo ya bongata ba 12,5% ya tjhelete e abelwang Molao wa Moahlodi wa Lekgotla la Dinyewe (Magistrate s Court Act) ho barekisi. Batsamaisi ba bang ha ba kgeme le tshebetso ena mme ba lefisa ho feta ho fumana ditaelo tsa tsamaiso le 22,5% le ho feta bakeng sa ditefo tsa tshebeletso tsa kgwedi le kgwedi. Batsamaisi ba bang ha ba lefe tjhelete ho barekisi mme hona ho eketsa sekoloto ka hobane se so fele mme se sa lefuwa. 6.5 HLOKOMELA DITAELO TSA TAOLO! Ditaelo tsa tsamaiso ha di rarolle letho empa di eketsa mathata a sekoloto sa hao! O se o ntse o kentswe lenaneng la ba sa lefeng ka tshwanelo. O ntse o tshwanetse ho lefa mokitlane wa hao kaofela hammoho le ditshenyehelo tse phahameng tse ekeditsweng tsa motsamaisi. ekoto ya hao e ntle le tokelo ya ho ba le mokitlane di lahlehetse ruri. KGALEMO! HLOKOMELA!

38 Ha o na kgona ho fumana mokitlane kapa ho bula akhaonto ya banka kae kapa kae. O tlola molao ha o etsa kopo kapa o kadima ha o le tlasa tsamaiso. O tla ba le puo e fokolang kapa o se be le puo ho hang mabapi le lekeno la hao le ditjhelete tsa hao. NTHO E LOKILENG KE HO BUISANA LE MOKADIMI WA HAO, YENA O TLA O ELETSA KAMOO O KA AOLLANG MATHATA A HAO KA TSELA E NEPAHETSENG KA HO FETISISA. 6.6 BAEKI BA NA LE DITOKELO LE BOIKAABELO BOFE? Bareki ba kgothaletswa ho batlisisa mekgwa e fapaneng pele ba etsa kopo ya ho behwa tlasa tsamaiso. Haeba o na le dikoloto tse ngata haholo, kgetho ya bohlokwa ke ho bua ka ho otloloha le bafani ba hao ba sekoloto kapa dikoloto mme o tshepahale ho bona ka ho etsa ditlhophiso tsa tefo ka ho otloloha. Hona ho eketsa menyetla ya barekisi ya ho fumana tjhelete ya bona hape, mme ho thusa beng ba dikoloto ho qoba dikgato tsa molao le direkoto tse mpe tsa biro ya mekitlane. Haeba o beilwe tlasa tsamaiso ena ke kgetho e ntle ka ho fetisisa ya hao, etsa bonnete ba hore o ya ho motho ya tshepahalang le hore o lefiswa ditekanyetso tse baletsweng ka molao. 6.7 O KA ETSA KETSO EFE? Bareki ba nang le dikoloto tse ngata le ba beilweng tlasa taelo ya tsamaiso kapa ba nahanang ka ho behwa tlasa taelo ya tsamaiso, ba ka ikopanya le: baeletsi ba tsa dikoloto ba ngodisitsweng ho NC

39 6.8 HO TLA ETSAHALA ENG HA O YA HO MOELETSI WA TSA DIKOLOTO? ekoto ya hao e ntle ya mekitlane le tokelo ya ho ba le mekitlane di lahlehile mme o ke ke wa kgona ho fumana mokitlane kapa wa bula akhaonto ya banka kae kapa kae ho fihlela sekoloto sa hao se lefilwe. O ntse o tshwanela ho lefa sekoloto sa hao sohle hammoho le ditshenyehelo tse phahameng tse lefisitsweng ke moeletsi wa tsa dikoloto esita le ditefiso tse ding tsa molao. Ditshenyehelo tseo di kenyeletsa tefo ya kopo ya ho fihla ho 50, tefo ya phetolo ho a fihla ho maksimamo ya 3 000, esita le tefo ya kgwedi le kgwedi e lefiswang ka tekanyetso ya 5% ho instolemente ya kgwedi ya moralo wa tefo ya sekoloto. Laola ditaba tsa merero ya hao ya ditjhelete mme o bue le bafani ka hore ba tla o thusa ho etsa ditlhophiso tsa o lefa sekoloto ka ntle ho tefo (mahala) mme o tshwarelle ditlhophisong tsena. Ditshenyehelo tse ekeditsweng tse amehang tse tla tloswa kgweding ya pele, pele mokitlane ofe kapa ofe o leshwa. Ha a ntse a le tlasa tekolo ya sekoloto, moreki a ke ke a etsa kopo bakeng sa mokitlane o mong hape. Moreki o lokela ho ikobela ditaelo tse fanweng ke moeletsi wa sekoloto. Haeba moreki a sebetsa kapa a etsa ho ka thoko ho ditaelo tsena, tekolo ya sekoloto e ka fediswa. Haeba tekolo ya sekoloto e fedisitswe, tshireletso yohle e fanwang ke Molao e tla lahleha. 6.9 HLOKOMELA MELAWANA YA TOKOLLO KA HAA DIKONTAKA KGALEMO! HLOKOMELA! SELEKANE KAPA KONTAKA KE ENG? Selekane kapa kontraka ke tumellano pakeng tsa batho ba babedi kapa ho feta. Hang ha batho bana ba saena kontraka; e fetoha tlamo ya molao mme e a qobella. Hona ho bolela hore ba etsang selekane ba dumellana ka dipehelo le maemo ka hara kontraka e saenetsweng. Moreki o lokela hore pele a saena kontraka a bale le ho utllwisisa peheo ka nngwe le maemo a yona. Maemong ao moreki a sa utlwisiseng pehelo ka hara kontraka, o lokela ho botsa dipotso, a kope tlhalosetso e hlakileng mme kontraka e lokela ho hlaloswa habobebe ka puo e utlwisiswang habobebe. MELAWANA YA TOKOLLO KE ENG? Molawana wa tokollo ke molawana o ka hara dikontraka o lokollang e mong wa selekane ho boikarabelo haeba a hlolwa ho tshepahalla tumellano kapa ha sehlahiswa seo ho dumellanweng ka sona se sa phethe morero oo se o batletsweng

40 NA MELAWANA YA TOKOLLO HA E MOLAONG? Melawana ya tokollo e molaong; ke karolo ya kontraka e molaong. Maemong ao moreki a itokollang empa ebe o ba bohlaswa, a ka tshwanela ho jariswa baikarabelo. Maemong ao mofani wa tshebeletso a fumanwang a le bohlaswa lekgotleng la molao, molawana wa tokollo ha o na dumellwa O KA NKA DIKGATO DIFE TSA KETSO JWALOKA MOEKI? AJwaloka moreki o lokela ho etsa bonnete ba hore o ba le boikarabelo ba ho BALA le ho UTLWISISA dipehelo le maemo a kontraka pele o saena. Hopola hore hang ha o saenne, kontraka e tlama ka molao o dumetse dipehelo le maemo. Haeba o batla dintlha tse ngatanyana kapa tlhakisetso o ka ikopanya le Karolo ya tsa Thuto (Education Division) ka ho sebedisa setsi sa boikopanyo sa bareki ho Mohala: (kopa mohala wa thuso ho bareki) kapa fekse: KAPA Ikopanye le The DTI: Mohala Bakeng sa ditletlebo tsa kakaretso, ka kopo ikopanye le DTI Customer Contact Centre National callers: International callers: +27(0) Imeile ya dipatlisiso: Fekse: Difekse tsa Naha: di romelwe ho Difekse tsa Matjhaba: di romelwe ho +27 (0) Aterese ya lapeng: The DTI 77 Meintjies street, Sunnyside, Pretoria, Gauteng, 0002 Aterese ya Poso: The DTI Private Bag X84. Pretoria, Gauteng,

41 KAOLO YA 7 DITOKELO TSA MOEKI TSA HO LOKISA DIPHOSO Molao wa Tshireletso ya Moreki (The Consumer Protection Act) wa Nomoro ya 68 wa 2008 o theilwe ka la 1 Mmesa O sebetsa bakeng sa tshireletso ya bareki kamehla ha ba reka dintho kapa thepa le ditshebeletso. DITOKELO TSA MOEKI Di theilwe ho ditataiso tse ngata tsa tshireletso ya moreki ho ya ka United Nations Guidelines for Consumer Protection (1985) hammoho le ditokelo tse lokileng tsa moreki tse ileng tsa hlophiswa ke Bareki ba Matjhaba (Consumers International) mme tsa ananelwa ke Ditjhaba tse Kopaneng (United Nations) ka Tokelo ya tekano Tokelo ya boinotshi Tokelo ya boleng bo kgotsofatsang, boleng bo lokileng le polokeho Tokelo ya ho kgetha Tokelo ya ho tsebiswa (tsebahatso ya ditaba kapa dintlha) Tokelo ya boipapatso ho kgotsofatsang bo bileng e leng ba boikarabelo Tokelo ya ho sebeletswa ka ho kgotsofatsa le ka botshepehi Tokelo ya maemo a kgotsofatsang, a nnete le molao ebile a ananelehang Tokelo ya ho theha boikarabelo ho bareki Ke boikarabelo ba moreki ka mong ho etsa bonnete ba hore ditokelo tsa hae di a hlokomelwa. 7.1 TOKELO YA TEKANO (HO UTLUWA/MAMELWA) Bareki bohle ba lokela ho sebetswa ka ho lekana. O na le tokelo ya ho mamelwa le ho utluwa. Haeba o sa kgotsofalla sehlahiswa kapa tshebeletso, ikopanye le monnga sebaka kapa molaodi ka tletlebo ya hao. 7.2 TOKELO YA BOINOTSHI Thekiso e otlolohileng ya thepa e ka nna ya se etsahale ka matsatsi a Sontaha kapa matsatsi a phomolo kapa ka thoko ho dihora tsa 09:00 12:00 ka matsatsi a Moqebelo, le 08:00 18:00 ka matsatsi a veke. (Dihora tsena di beilwe ka melao mme di na le hona ho fetolwa). O ka kgetha ho se be le seabo thekisong ka ho tsebisa ngodiso ya lekgotla, e leng seo barekisi ba mebaraka ba lokelang ho se etsa

42 7.3 TOKELO YA BOLENG BO KGOTSOFATSANG, BOLENG BO LOKILENG LE POLOKEHO Bareki ba lokela ho tshireletswa kgahlano le diphoso kapa dikotsi tse patilweng ka hara dihlahiswa kapa tshebeletso tseo ba di rekang. Ba bile ba na le tokelo ya polokeho ya sebaka. Bareki ba lokela ho ba balebedi ba setjhaba mme ba shebe maemo a ka bang kotsi. Bareki ba lokela ho hlokomedisa balaodi ba lehae kapa mafapha a tshwanelehang a mmuso mathata a bona le moo ho nang le dihlahiswa tse sa bolokehang. 7.4 TOKELO YA HO KGETHA Bareki ba lokela ho kgothaletsa dihlahiswa tse fapaneng le dintho tseo o ka kgethang ho tsona ho latela tatso ya hao, boleng kapa theko. Tlhodisano mmarakeng e o dumella ho reka se dumellang maemo a hao a ikgethileng. 7.5 TOKELO YA THUTO HO MOEKI Bareki ba na le tokelo ya thuto ya ditaba tsa bareki. Mmuso le mokga wa poraefete di na le seabo mabapi le sena. Menyetla e mengata e a fumaneha mme ke boikarabelo ba hao, moreki, ho etsa bonnete ba hore ho ithutile

43 7.6 TOKELO YA DITLHOKO TSA MOTHEO TSA MOEKI Bareki ba na le tokelo ya dintho tsa motheo le ditshebeletso tse tiisang kapa ho tshepisa polokeho. Tsena di kenyeletsa dijo tse lekaneng, diaparo, tshireletso, tlhokomelo ya tsa bophelo bo botle, thuto le tsamaiso ya dikgwerekgwere. 7.7 TOKELO YA HO BA TIKOLOHONG E LOKETSENG BOPHELO BO BOTLE Bareki ba na le tokelo ya tikoloho e amehang ya bophelo e hodisang boleng ba bophelo. 7.8 TOKELO YA HO LOKISA PHOSO Ha o rekiseditswe sehlahiswa kapa tshebeletso e fokolang, o na le tokelo ya ho kgutlela ho morekisi mme o batle ho fetolelwa ka e nngwe kapa o kgutlisetswe tjhelete. Maemong a mang, tokelo ena e tshireleditswe ke molao mme bareki ba ka isa dinyewe tsa bona ho makgotla a dinyewe ho phethahatsa ditokelo tsa bona ho lokisa diphoso

44 KAOLO YA 8 TSHIELETSO YA MOEKI 8.1 MOLAO WA NAHA WA MEKITLANE (NATIONAL CEDIT ACT) Ka selemo sa 2006 ho ile ha thehwa molao o motjha o bitswang Molao wa Naha wa Mekitlane (The National Credit Act NCA ) palamenteng. O fa bareki tshireletso haholwanyane - ha o kadima tjhelete, - reka thepa kapa dintho ka mokitlane jwaloka fanetjhara, kapa fumana tjhelete bakeng sa letlotlo la bohlokwa kapa asete, mohlala, ntlo kapa koloi. E bile e baballa bareki ho ditshebeletsano tsa phapanyetsano ya tsa ditjhelete, moo ditefo tsa diakhaonto tsena di sallang morao. Molao wa Naha wa Mekitlane (The National Credit Act) o theilweng ka Phupjane 2007 le National Credit Amendment Act wa selemo sa 2014, o kena sebakeng sa Usury Act le Credit Agreements Act, o fanang ka moralo bakeng sa dintlha tsohle tsa mokitlane. Bafani bohle ba mekitlane ba lokela ho ikamahanya le molao ona MOHLOKOMEDI E MOHOLO WA MEKITLANE MOLAODI WA NAHA WA MEKITLANE (THE NATIONAL CEDIT EGULATO) Indasteri yohle ya mekitlane e hlokomelwa le ho laolwa ke mokgatlo o bitswang National Credit egulator (NC). Mokgatlo ona o na le mosebetsi wa ho ruta bareki le ho etsa bonnete ba hore indasteri ya mekitlane e kgema le National Credit Act. Hara mesebetsi e meng, o tla: amohela ditletlebo, batlisisa ditlolo tsa molao le ho tsamaisa ditekolo mabapi le barekisi, etsa diphuputso, laola mesebetsi le ho etsa pehelo ho Letona mabapi le ditaba tse jwaloka taolo ya mmaraka le ho ba le dikoloto tse ngata ha bareki ho phahamisa phadimehiso ya bareki ka thuto le ho aba dintlha. Bafani bohle ba mokitlane, dibiro tsa mekitlane, baeletsi ba tsa dikoloto le ditumellano tsohle tsa mokitlane di tla tshwanela ho ngodiswa ho NC

45 8.1.2 DITOKELO TSA MOEKI MABAPI LE DITSHEBELETSANO TSA MOKITLANE NCA e tla tshireletsa bareki ka ditsela tse ngata. Mohlala: Mesebetsi e meng ya baemedi ba bapatsang bakeng sa dikadimo jwale ha e na ba molaong kapa e tla thibelwa, mohlala, ho rekisa ntlo le ntlo, ho bapatsa mesebetsing le malapeng ka ntle ho memo. Mesebetsi ya thekiso le dipapatso le yona e laolwa haholwanyane ho tshireletsa bareki, mohlala, meedi ya mekitlane e ka nna ya se eketswe ka bolokolohi, mme mmaraka wa kgetho e mpe ha o molaong ( haeba o sa hane, re tla nahana hore o a dumela ). Bareki ba lokela ho fuwa tekanyetso ya theko, e baletsweng matsatsi a mahlano (5), ka dintlha tsohle mabapi le kadimo, e le hore bareki ba tle ba tadime mabenkele a mangata mme ba bapise ditheko DITEKANYETSO TSA TSWALA LE DITEFISO LE DITEFO di tla laolwa di theilwe ho fomula e itshetlehileng ho SA eserve Bank epurchase (epo) ate ( mona ka tlase). Mekgahlelo e fapaneng ya mokitlane e tla ba le ditekanyetso tse fapaneng tsa maksimamo tsa tswala le ditefo ka tsela e latelang: DITEKANYETSO TSA TSWALA DI LAOTSWE MOKGAHLELO MAXIMUM TSWALA MOHLALA: FOMULA: Haeba epo ate e le 7%* Tumellano ya Mortgage Dikarete tsa mekitlane / disebediswa Ditshebeletssano tsa mekitlane tse sa bolokehang Ditshebeletsano tsa nako e kgutshwanyane tsa mekitlane (dikadimo tse sa feteng tse leshwang ka 6 dikgwedi kapa ka tlase ho moo) Ditumellano tsa mekitlane tsa ntshetsopele Ditumellano tse ding tsa mekitlane Ditumellano tsa nakwana tsa mekitlane (mohlala, ditshebeletsano tsa tjhelete tse sallang morao, ke ho re, ditefo tsa ngaka / diakhaonto tsa diaparo, jalojwalo) [() + 12%] ka selemo [() + 14%] ka selemo [() + 21%] ka selemo 5% ka kgwedi (60% ka selemo) [() + 27%] ka selemo [() + 17%] ka selemo 2% ka kgwedi le kgwedi (24% ka selemo) 19% ka selemo 21% ka selemo 28% ka selemo 34% ka selemo 24% ka selemo *Hlokomela: epo ate ka la 01/02/17 e bontshitswe theiboleng. Bareki ba lokela ho batlisisa hore epo ate ke bokae ka nako eo ba etsang kopo

46 Ho eketsa ho ditekanyetso tse ka hodimo tsa tswala, ditefiso tse ding le tsona di dumeletswe (le hoja di lekanyeditswe), mohlala, ditefo tsa pele tsa ngodiso, ditefo tsa tshebeletso, ditefo tsa ho tlola tefo le ditshenyehelo tsa pokello. Tshireletso ya inshorense hodima dikadimo e dumeletswe empa tefiso e lokela ho ba e amohelehang mme moreki a ka sebedisa pholisi e ntseng e le teng e le tshireletso ho na le ho batla pholisi e ikgethang bakeng sa kadimo. Tswala e lokela ho lefiswa kgwedi le kgwedi (haese ha e le ya tumellano ya mokitlane o mongata, o fetang ). Dikontraka tse saenetsweng di lokela ho ba ka puo e bobebe, di fumanehe ka bonyane dipuo tse pedi mme bareki ba lokela ho fumana khopi. Bareki ba lokela ho ba le tshwanelo ya ho fuwa lebaka haeba mokitlane o sa amohelwa. Bafani bohle ba mekitlane ba lokela ho hlahloba hore moreki a ka kgona ho lefa kadimo, mme dikadimo tsohle di tla ngodiswa rejistareng hona ho reretswe ho etsa bonnete ba hore moreki ha a na ba le dikoloto tse ngata haholo ho feta tekano KADIMANO E BOHLASWA Morekisi ofe kapa ofe ya fanang ka mokitlane ka ntle le ho hlokomela hore moreki a ka kgona ho lefa kadimo kapa tjhe, a ka ba le molato wa kadimano e bohlaswa ho tla ba le dikahlolo tse matla tsa hona mme morekisi a ka ba a lahlehelwa ke tokelo ya ho fumana sekoloto hape. Ntho ya bohlokwa ka ho fetisisa bareki ha ba na fumana tshireletso efe kapa efe haeba ba sa tsebahatse ka botlalo dikoloto le ditshenyehelo tsa bona. Maemong a jwalo, morekisi ha a na ba le molato wa ho kadimana ho bohlaswa KELETSO YA TSA DIKOLOTO Haeba bareki ba ke ke ba lefa dikoloto tsa bona, ba tla ba le tokelo ya ho ya ho moeletsi wa tsa dikoloto, eo yena o tla thusa bareki ho rarolla bothata ba bona, mohlala, phetolobotjha ya sebopeho/tlhophisobotjha ya ditefo tsa dikoloto tsa bona. Tlhophiso ena e ka etswa taelo ya lekgotla la dinyewe

47 Barekisi ba lokela ho fa moreki tsebiso ha a tlola ditefo a mo eletsa hore ba na le tokelo ya ho ya ho moeletsi wa tsa dikoloto. Haeba ho se na karabo ya tsebiso ena kamora matsatsi a leshome (10) kapa ha morekisi a sa amohele tshisinyo ya moreki kapa moeletsi, ba ka fetela jwale lekgotleng la dinyewe bakeng sa kahlolo. Bareki ba lokela ho hopola: hang ha ba saenne bakeng sa boeletsi ba tsa dikoloto, ha ba na kgona ho etsa kopo ya mokitlane ho fihlela sekoloto sa bona se lefilwe ka botlalo NGODISO YA BAEKISI Bafani bohle ba sekoloto ba lokela ho ngodiswa ho NC. Haeba morekisi a sa ngodiswa ho NC a ke ke a qosa tefo kgahlano le moreki ha sa lefa BIO TSA MEKITLANE hona jwale di laolwa ka thata haholwanyane: ho etsa bonnete ba hore dintlha di nepahetse hantle ho etsa bonnete ba hore dintlha tse fosahetseng di hlakolwa kapele ka ntle le hore moreki a lefe hang ha moreki a se a hlahisitse tletlebo. Nako ya hore lenane la diphoso le tla dula rekotong le lona le behetswe nako ka tsela e latelang: MEKGAHLELO Dipatlisiso Nalane ya tefo Dintlha tse mpe Tlhophisobotjha ya sekoloto Dikahlolo Ditaelo tsa tsamaiso Phello ya tjhelete TLHALOSO Dipatlisiso rekotong ya moreki Dintlha mabapi le nalane ya tefo/ nalane ya moreki Dintlha tse mpe mabapi le nalane ya ditlolo tsa tefo Tumellano moo dikoloto tsohle di hlophiswang botjha NAKO YA PABALLO YA DINTLHA HO BIO 2 dilemo 5 dilemo 1 selemo Ho fihlela setifikeiti se ntshuwa (moo ditefo tsohle di lefilweng ka botlalo jwaloka tumellano) Qalong ya dilemo tse 5 kapa ha kahlolo e fetotswe/morekisi o fedisa sekoloto kapa ha sekoloto se lefilwe sohle mme morekisi a fana ka tsebiso ya tefo eo ho biro Qalong ya dilemo tse 10 kapa ha taelo e fetotswe ke lekgotla la dinyewe Qalong ya dilemo tse 10 kapa ha taelo ya tlhabollo e fanwe ke lekgotla la dinyewe

48 8.1.8 LEKGOTLA LA DINYEWE TSA MEKITLANE - THE CONSUME TIBUNAL Molaodi le bareki ba tla ba le hona ho amohela ditletlebo mabapi le ditlolo tsa NCA lekgotleng le ikgethang la dinyewe le bitswang The Consumer Tribunal. Bareki jwale ba na le paballo ya ditokelo tsa bona le hona ho ba le lekgotla la dinyewe leo ba ka yang ho lona haeba morekisi a sa ikamahanye le molao ebile a sa sebetsane le tletlebo ya moreki. Hopola hore ho bile ho na le diofisi tse ngata tsa ombudsmen le mekgatlo eo bareki ba ka yang ho yona, ho etsa hore ditletlebo tsa bona di sebetswe (tadima Dinomoro tsa Boikopanyo ho Karolo ya 9) HLOKOMELA MANANE A MABE A BIO YA MEKITLANE Kamehla etsa bonnete ba hore o hlokometse ditefo tsa hao tsa mekitlane kapa o entse tlhophiso le morekisi. Dikgwebo di amana le biro ya mekitlane, tse ba fepelang ka dintlha tsohle tsa diakhaonto, ekaba tse ntle kapa tse mpe, mme ha o etsa kopo ya sekoloto se setjha, kopo ya hao e ka nna ya hanwa, haeba rekoto ya hao ya mokitlane e le mpe (ho bontsha hore o na le dikoloto tse ngata tse ntseng di le teng). O na le tumello ya ho hana rekoto ya hao ya mokitlane e fanweng ke biro e jwalo motho e mong le e mong o na le tokelo ya ho fumana khopi e le nngwe ya mahala ya rekoto ya hae ya mekitlane ka selemo empa ha ho na dintlha tseo o tla di fuwa ka mohala. O tla tshwanela ho fana ka bopaki ba boitsebiso ba hao. O tla tshwanela ho ya ho TANS UNION: Mohala kapa Experian Bureau: Mohala Haeba o batla ho tseba hore lenane le dula nako e kae ho biro ya mekitlane, mohlala, dikahlolo, tsamaiso, phello ya tjhelete, phetolo ya sebopeho kapa ya lenane le lebe le fosahetseng, ka kopo tadima theibole e leqepheng la DIKADIMANO TSE NYENYANE Etsa bonnete ba hore o sebetsana feela le dikgwebo tse bontshang ditefikeiti tsa tsona tsa ngodiso ho NC diofising tsa bona. Bakeng sa bakadimani ba banyenyane, bapisa ditekanyetso tsa tswala mme o be le bonnete ba hore mokadimani e monyenyane o ngodisitswe ho National Credit egulator - Mohala: , Toll Share: kapa o romele imeile ho:

49 DIKAETE TSA MEKITLANE Boloka lenane la dinomoro tsa dikarete tsa hao tsa mekitlane, matsatsi ao di felang ka ona le dinomoro tsa mohala tsa mofani ka mong wa karete sebakeng se bolokehileng. Ha o kgetha karete, bapisa dipehelo tse fanwang ke bafani ba dikarete tse ding ho fumana karete e nepanang hantle le ditlhoko tsa hao. Tadima karete ya hao kamora ho e fa tlelereke. Nka karete ya hao hape ka potlako kamora hore tlelereke a qete ka yona mme o etse bonnete ba hore ke ya hao. Tabola diresiti dife kapa dife tse fosahetseng. O se ke wa saena resiti e sa ngolwang letho. Seha mola dibakeng dife kapa dife tse sa ngolwang letho hodima palo yohle ha o saena diresiti. Bula dibili tsa karete ya mokitlane ka potlako ebe o di bapisa le diresiti tsa hao ho hlahloba ditefiso tse sa dumellwang esita le diphoso. Etsa pehelo ka potlako ka ho ngola ho mofani wa karete ditefiso dife kapa dife tse belaetsang. Dipatlisiso tse ngotsweng ha di a tshwanela ho kenyeletswa hammoho le tefo ya hao. HlahloHlahloba setatemente sa hao bakeng sa aterese e nepahetseng ho romela dipatlisiso dife kapa dife tse ngotsweng. Patlisiso e lokela hore e be e ngotsweng. O se ke wa fana ka nomoro ya karete ya hao ya mokitlane ka mohala haese ha e le wena ya letsitseng mohala. O se ke wa beha nomoro ya karete ya hao hodima posokarete kapa ka ntle ho enfelopo. Saena dikarete tse ntjha hang feela ha di fihla. Kgabela dikarete tse feletsweng ke nako mme o di lahle ka potlako. Seha o kgaole mme o kgutlise dikarete tseo o sa di batleng ho monnga tsona. Beha dikerete tse sa sebedisweng kamehla sebakeng se bolokehileng. Haeba e nngwe ya dikarete dife kapa dife e lahlehile kapa e utswitswe, tsebisa ka tahlehelo ka potlako ho moabi wa karete ya mokitlane. Bakeng sa tshireletso ya hao, latella mehala ya hao ka lengolo le yang ho moabi wa karete. Lengolo le lokela ho ba le nomoro ya karete ya hao, letsatsi leo karete e lahlehileng ka lona, le letsatsi leo o letsitseng ka lona tahlehelong ena. Hlophisa bakeng sa inshorense ya tshebediso e mpe ya karete le tahlehelo le moabi wa karete ya mokitlane

50 8.2 MOLAO WA TSHIELETSO YA MOEKI Molao wa Tshireletso ya Moreki (The Consumer Protection Act) wa Nomoro ya 68 wa selemo sa 2008 o ne o saenwe ka 24 Mmesa 2009 mme wa phatlalatswa ka molao ka la 1 Mmesa CONSUME POTECTION ACT (CPA) Molao o reretswe ho: Ntshetsa THE BILL AIMS pele sebaka TO: sa mebaraka se kgotsofatsang, se fihlellwang habonolo sa nako tsohle bakeng sa dihlahiswa tsa bareki le ditshebeletso; Theha Promote ditlwaelo a fair, accessible tsa setjhaba and sustainable maemo ho marketplace etsa bonnete for consumer ba tshireletso products ya moreki; and services. Etsa sebaka sa maemo a ntlafetseng a dintlha tsa moreki, ho thibela ho bapatsa ho Establish itseng national ho sa kgotsofatseng norms and standards le mesebetsi relating ya kgwebo; to consumer protection. Theha ditlwaelo tsa setjhaba le maemo a amanang le tshireletso ya moreki. Ntshetsa pele boitshwaro bo nang le boikarabelo ba moreki; Ntshetsa pele moralo wa nako le nako wa molao le phethahatso ya ona, o amanang le ditshebeletsano le moreki le ditumellano; mme Theha Khomishene ya Naha ya Bareki (National Consumer Commission). Ke mang ya ka hlahisang ditletlebo tsa moreki? Motho ka boyena; Motho ya dumeletsweng ya emetseng motho e mong; Motho ya sebetsang e le setho kapa ka lebaka la sehlopha se amehang; kapa Motho ya sebetsang molemong le lebitsong la setjhaba. Molao wa Tshireletso ya Moreki (The Consumer Protection Act) o sebetsa ho tse latelang: Tshebeletsano ka nngwe e etsahalang ka hara ephaboliki ya Afrika Borwa; Tumiso kapa phepelo ya dintho le ditshebeletso dife kapa dife tse etsahalang ka hara ephaboliki; le Dintho kapa ditshebeletso tse fepetsweng kapa tse entsweng ka hara ephaboliki ho ya ka ditshebeletsano tse ka hara Molao. Molao ha o sebetse malebana le: Dintho kapa ditshebeletso tse tumiswang kapa tse fepelwang Mmuso; Tokollo Provide ya for indasteri improved yohle standards e filweng of consumer balaodi ba information. nang le taolo; Ditshebeletso tse tlasa dikontraka tsa mosebetsi; Ditumellano Prohibit certain tse unfair fang marketing matla ditumellano and business. tsa dipuisano tsa bongata; le ho hlophisetsa maemo a ntlafaditsweng dintlha tsa moreki. Ditumellano Promote responsible tse fang consumer matla ditumellano behaviour. tsa bongata (Karolo ya 213 ya Molao wa Dikamano tsa Basebetsi (Labour elations Act). Thibela mebaraka le kgwebo tse itseng tse sa kgotsofatseng

51 Moreki ke mang? Bareki ke batho ba rekisetswang dintho kapa thepa le ditshebeletso, ba keneng ditshebeletsanong le bafepedi, basebedisi ba dintho tse itseng kapa baamohedi/majalefa a ditshebeletso Ditokelo tsa Moreki ke eng? Ditokelo tsa Moreki di tsebahala ka lefatshe lohle mme ke tsena tse latelang: Tokelo ya thuto ho moreki Bareki ba lokela ho ba le hona ho fihlella tsebo le boitsebelo ba mesebetsi e le ho etsa dikgetho tse utlwahalang tse tshepehang mabapi le dintho le ditshebeletso, ha ba ntse ba hlokometse ditokelo tsa moreki tsa motheo le boikarabelo le kamoo o ka di sebedisang ka teng. Tokelo ya ho pepesa le dintlha Bareki ba lokela ho fuwa dintlha tse hlokehang ho ka etsa dikgetho tse utlwahalang le ho etsa bonnete ba tshireletso kgahlano le ho bapatsa le ho rehella ho sa tshepahaleng kapa ho rehellwa ho ferekanyang. Tokelo ya kgetho Bareki ba lokela ho ba le hona ho kgetha ho lethathamo la dihlahiswa le ditshebeletso, tse fumanwang ka ditheko tse kgahlisang, le netefaletso ya boleng bo kgotsofatsang. Tokelo ya ho emelwa Ditabatabelo tsa moreki di lokela ho emelwa ha ho etswa le ho sebedisa leano la mmuso, le ntshetsopele ya dihlahiswa le ditshebeletso. Tokelo ya tokisobotjha Bareki ba lokela ho fumana tefello e kgotsofatsang ya diqoso tsa ditjhelete tse molaong, ho kenyeletswa dihlapiso bakeng sa ho se emelwe ka tshwanelo, kapa dintho tse fokolang kapa ditshebeletso. Tokelo ya polokeho Ho tswa lehlakoreng la kgwebo le indasteri, bareki ba lokela ho tshireletswa kgahlano le tshebetso ya tlhahiso, le dihlahiswa le ditshebeletso tse kotsi bophelong ba mmele kapa bophelong. Tokelo ya tikoloho e loketseng bophelo bo botle Bareki ba lokela ho ba le hona ho phela le ho sebetsa tikolohong e loketseng meloko ya hona jwale le ya nako e tlang. Tokelo ya ho fumana ditlhoko tsa motheo le ditshebeletso Bareki ba lokela ho fumana dintho kapa thepa ya motheo le ditshebeletso, jwaloka dijo tse lekaneng, diaparo, matlo, tlhokomelo ya tsa bophelo bo botle, thuto, metsi a hlwekileng le tsamaiso ya dikgwerekgwere

52 8.2.3 O ka tletleba hokae?: Molao wa Tshireletso ya bareki (The Consumer Protection Act) o reretswe ho baballa bohlwahlwa ba moreki, ka ho hlahisa kananelo ya dihlopha tsa bareki tse filweng mosebetsi wa ho hlahisa ditletlebo lebitsong la bareki, esita le ho fumana tshehetso bakeng sa mesebetsi, e kang keletso ya moreki, thuto, diphatlalatso, diphuputso le mekgwa e fapaneng ya tharollo ya dingangisano ka bonamodi. Ka tsela e jwalo, Molao o hlahisa ho thehwa ha Khomishene ya Naha ya Bareki (National Consumer Commission), mokgatlo o batlisisang ditletlebo tsa bareki, hammoho le Lekgotla la Naha la Bareki (National Consumer Tribunal), e ileng ya thehwa ke Molao wa Naha wa Mekitlane (National Credit Act) ka Lwetse 2006, mme e na le boikarabelo ba ho hlahloba ditlolo le diphetolo tsa Molao wa Naha wa Mekitlane (National Credit Act) le Molao wa Tshireletso ya Bareki (Consumer Protection Act) Mehala ya thuso ho bareki The DTI Customer Contact Centre: The DTI Office of Consumer Protection (OCP): /1558/1076 DTI The DTI website: National Consumer Tribunal (NCT): NCT NCT website: National Consumer Commission (NCC): NCC Call centre: NCC website: Bophelo ke lejwe la lelwala. Empa ekaba le re sidilella Fatshe kapa le a re phatsimisa, hoo ho itswela ho rona. L THOMAS HOLDCOFT

53 KAOLO YA 9 DINOMOO TSA BOIKOPANYO BANKING OMBUD PO Box 87056, Houghton, 2041 Mohala: Sharecall: Fekse: or Imeile: OMBUD FO LONG-TEM INSUANCE Private Bag X45, Claremont, Cape Town, 7735 Mohala: Sharecall: Fekse: Imeile: OMBUD FO SHOT-TEM INSUANCE th Sunnyside Office Park, 5 floor, Building D, 32 Princess of Wales Terrace, Parktown Mohala: Sharecall: Fekse: Imeile: FAIS OMBUD Sussex Office Park, Ground floor, Block B, 473 Lynnwood oad, Lynnwood, 0081 Mohala: Fekse: Imeile: MOTO INDUSTY OMBUD Suite 156, Private Bag X025, Lynnwood idge, 0040 Mohala: MIOSA ( ) Fekse: Imeile:

54 OFISI YA MOTSHIELETSI WA SETJHABA (OFFICE OF THE PUBLIC POTECTO) Private Bag X677, Pretoria, 0001 Mohala: Fekse: Toll Free: (Complaints) Imeile: CEDIT OMBUD PO Box 805, Pinegowrie, 2123 Call Centre: 0861 OMBUDS ( ) Fekse: Imeile: NATIONAL CEDIT EGULATO (NC) PO Box 209, Halfway House, 1685 Mohala: or Fekse: Imeile: NATIONAL CONSUME TIBUNAL (NCT) Private Bag X110, Centurion, 0046 Mohala: / Fekse: Imeile: NATIONAL CONSUME COMMISSION (NCC) Mohala: Call Centre: Imeile: CONSUME GOODS AND SEVICES OMBUD PO Box 3815, andburg, 2125 Mohala: Fekse: Imeile:

55 KAOLO YA 10 DITHUTO TSE TSWANG HO BOADIMILIYONE Diphuputsong tse hlwahlwa tse entsweng mane USA ka hara boradimiliyone ba Amerika ho bile ho sibolotswe hore batho bana ba tshwana ka tse latelang: 1. Ba phela ka tlase ho bokgoni ba bona 2. Ba sebedisa nako, matla (eneji) le tjhelete ka tsela e nepahetseng. 3. Ba dumela hore tokoloho ya tjhelete e molemo. 4. Batswadi ba bona ha ba ka ba ba tshehetsa kamora ho tloha lapeng. 5. Bana ba bona bao eseng e le batho ba baholo ba ikemetse ba ikgona. 6. Ba kgona haholo ho bona menyetla. 7. Ba kgethile mosebetsi o nepahetseng. Latela ditoro tsa hao, o itshepe, o se inehele. ACHEL COIE

56 DINTLHA

57 DINTLHA A GUIDE FO FINANCIAL PLANNING FO ALL SOUTH AFICANS

58 DINTLHA

59 MABAPI LE MONGODI: INA WILKEN Ina Wilken ha jwale ke Moeletsi wa Bareki ebile ke mookamedi eo eseng wa phethahatso wa Finbond Group Ltd le Finbond Mutual Bank. E se e le dilemo tse ngata jwale a sebetsa jwaloka mothusi wa bareki mme o bua lebitsong la motho feela seterateng ka ho emela bareki dikomiting tse ngata le makgotleng. Ka ho ba le seabo ka dilemo tse ngata ho Lekgotla la Bareki la Afrika Borwa (SA Consumer Council) ho mo file monyetla ho fana ka seabo sa bohlokwa lebitsong la bareki. Ina o bile o na le seabo mekgatlong e fapaneng le dikhamphani, ho bolela tse mmalwa feela: Oil Seeds Advisory Commission (Setho sa Phethahatso) Dried Fruit Technical Services (Setho sa Traste) Pretorium Trust (Mookamedi) Oil and Protein Seeds Development Trust (Motlatsi wa Modulasetulo) Pretoria Chamber of Commerce and Industry (Motlatsi wa Mopresidente) International Training and Communication (Mopresidente: Club III) SA Pharmaceutical Council (Setho sa Lekgotla) South African Micro Lenders Association (Mookamedi) SA Banking Ombud (Mookamedi) Debt Collectors Council (Motlatsi wa Modulasetulo) Finbond Property Finance Ltd (Mookamedi wa Phethahatso) SA National Consumer Union (Modulasetulo)* Agricultural Agents Produce Council (Setho)* Agricultural esearch Council (Setho) SABS Standards Committee (Modulasetulo)* Lethimvula Investment Ltd (Mookamedi) Financial Services Board: Consumer Advisory Panel (Setho) Netpartner Investments (Mookamedi) Estate Agency Affairs Board (Modulasetulo) SA Cotton Board (Mookamedi)* SABS Consumer Sector Board (Modulasetulo) Daity Standard Agency Board (Mookamedi)* *Ha jwale Ina Wilken B.Comm (Honors) Business Economics (UNISA) Consumer Consultant Modulasetulo: SA National Consumer Union Ina e ne e le, ebile o ntse a sebetsana haholo le bareki nakong ena ya dilemo tse fetileng tse 28, ka ho sebetsa jwaloka sebui, mokgotlana a mangata, dihlopha tsa boithuti, bamamedi le dibok tsa matjhaba ka tsa bareki le kamoo ba ka sebedisang tjhelete ya bona hantle ka tshwanelo ka teng. O itlamme ka ho ntshetsa pele bareki ka lefatshe lohle mme o sebedisa dihora tse ngata bakeng sa morero ona wa bohlokwa. O filwe Bompodi ba Moreki ka Mong (Individual Consumer Champion) ka 2005 ke ba Lefapha la Kgwebo le Indasteri (Department of Trade and Industry). Bareki ba na le ditokelo, empa ba lokela ho hopola kamehla hore ba na le boikarabelo bo boholo ho bona hore ditokelo tsa bona di a latelwa le ho ba le boikarabelo e le ho ntshetsa pele lentswe la bareki.

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