I-akhawunti yakwa-HomeChoice Yokuthenga Ngesikweleti
Imigomo Nemibandela

Amalungelo akho okuthenga ngesikweleti avikelekile


Le migomo nemibandela ("imigomo") ilawula i-akhawunti yakho yokuthenga ngesikweletu ("i-akhawunti yesikweletu") yakwa-homechoice ("abakwa-homechoice" noma "thina") futhi izosebenza ngaso sonke isikhathi uma uthenga izimpahla ngale-akhawunti yesikweletu.

1. Isingeniso

Sikuvulele i-akhawunti yokuthenga ngesikweletu, ukuze ukwazi ukukhokhela ngamancozuncozu impahla oyithenge ngesikweletu ngaphandle kokuba kwenziwe isivumelwano esisha njalo uma ufuna ukuthenga kwa-homechoice.

Amakhasimende amasha afuna ukuvula i-akhawunti azonikezwa isitatimende esandulela isivumelwano kanye nekhwotheshini ("ikhwotheshini") ebeka ngokucacile yonke imininingwane nemicikilisho ephathelene ne-akhawunti yakho yokuthenga ngesikweletu (kubandakanya nezinga lenzalo ozokhokhiswa lona, nemikhawulo wokuthenga ngesikweletu, nemali yezindleko zesikweletu, nobude besikhathi sokukhokha kanye nolunye ulwazi olusemqoka oluphathelene nezimali). Ikhwotheshini kanye nale migomo kuzothathwa ngokuthi yisona sivumelwano sakho sokuthenga ngesikweletu ("isivumelwano") esizosebenza kuzo zonke izimo lapho usebenzisa i-akhawunti yakho ukuthenga izimpahla ngesikweletu.

Abakwa-homechoice bakuhlinzeka ngezindlela ezahlukahlukene zokwenza isivumelwano nathi kanye nokuthenga izimpahla esitolo sethu, kubandakanya nokusebenzisa uhlelo-xhumano lwe-inthanethi kanye nokushaya ucingo. Lapho kufanelekile, lesi sivumelwano senziwa ngaphansi koMthetho Kazwelonke Wezezikweletu Nombolo 34 wezi-2005 ("uMthetho Kazwelonke Wezezikweletu"), njengoba uchitshiyeliwe ngezikhathi ezithile noma njengoba kufakwe omunye umthetho esikhundleni sawo.

Uyacelwa ukuba uyifunde ngokucophelela ikhwotheshini kanye nale migomo ukuze ukuqonde kahle konke okushiwo lapha kanye nomthelela, ubungozi, izibopho kanye nezindleko ezihambisana nokusetshenziswa kwe-akhawunti yokuthenga ngesikweletu. Uma unombuzo mayelana nalesi sivumelwano sicela ukuthi usifonele kule nombolo 0861 466 324 noma usithumelele i-imeyili kuleli kheli contact@homechoice.co.za.

2. Imikhawulo Yokuthenga Ngesikweletu

Ngaphambi kokuba ungene esivumelwaneni nathi okokuqala, sizohlola ukuthi uzoba nawo yini amandla okukhokhela isikweletu sakho nokuthi uzokwazi ukukhokha malini, ngenhloso yokubheka ukuthi kumele sikunikeze umkhawulo wokuthenga ngesikweletu ongakanani, njengoba lokhu kuyisidingo soMthetho Kazwelonke Wezezikweletu.

Sizokunikeza umkhawulo wokuthenga ngesikweletu "olingene nesimo sakho samanje" ("current") noma umkhawulo wokuthenga ngesikweletu "ophelele" ("maximum"), futhi lokhu kuzoncika olwazini osihlinzeke ngalo, kanye nomlando wakho wokuthenga ngesikweletu kanye nobungozi obuphathelene nalokho futhi lokhu kuzohambelana nezimiso zoMthetho Kazwelonke Wezezikweletu.

Imikhawulo yokuthenga ngesikweletu isebenza ngale ndlela elandelayo:

  • Umkhawulo wokuthenga ngesikweletu yisamba esiphelele ongathenga ngaso izimpahla esitolo sethu, futhi okuyisamba thina esibona ukuthi uzokwazi ukusikhokhela ngamancozuncozu nyangazonke. Kodwa-ke ngenhloso yokuqinisekisa ukulandelwa kwemigomo yokuhlinzeka ngesikweletu efanelekile, ngokuthi singanikezi amakhasimende ethu isikweletu esizoba ngaphezu kwamandla awo, futhi ngenhloso yokuqinisekisa ukuthi sakha ubudlelwano obuzoqhubeka isikhathi eside phakathi kwethu namakhasimende, kungenzeka ukuthi ekuqaleni sikunikeze umkhawulo wokuthenga ngesikweletu ophansi.
  • Umkhawulo wokuthenga ngesikweletu olingene nesimo sakho samanje ngumkhawulo okuyiwonawona esizokunikeza wona noma nini, futhi kungenzeka ube ngaphansi komkhawulo wokuthenga ngesikweletu ophelele futhi lokhu kuzokwenziwa ngokubheka umlando wakho wokuthenga ngesikweletu kanye nobungozi obuhambisana nalokho futhi lokho sizokwenza ngokulandela inqubomgomo yethu yangaphakathi yokuhlinzeka ngesikweletu.

Kungenzeka singakuvumeli ukuba uqhubeke nokuthenga nge-akhawunti yakho uma usuweqile umkhawulo wokuthenga ngesikweletu obekelwe wona njengamanje. Ngokubona kwethu, kungenzeka siwukhuphule okwesikhashana umkhawulo wakho ophelele wokuthenga ngesikweletu kanye/noma umkhawulo wakho olingene uma usicelile ukuthi siwukhuphule ukuze ukwazi ukuthenga izimpahla ezithile, obekuzothi uma uzithenga ngaphandle kokukhushulelwa umkhawulo wakho ojwayelekile ugcine usuweqile umkhawulo onikezwe wona.

Uma sikuvumela ukuba uthenge izimpahla ezingaphezu komkhawulo wakho wokuthenga ngesikweletu, lokho akusho ukuthi umkhawulo wakho wokuthenga ngesikweletu usukhushulwe unomphela, futhi uzobuyiselwa emkhawulweni wakho waphambilini uma imali esele esikweletini sakho isingaphansi komkhawulo obunikezwe wona ngaphambi kokukhushulwa komkhawulo wakho okwesikhashana, futhi ngasosonke isikhathi lokhu kuzokwenziwa ngokwemigomo yoMthetho Kazwelonke Wezezikweletu.

Kumele usazise uma isimo sakho sezimali sesiguqukile, okungaholela ekutheni uhluleke ukukhokhela isikweletu sakho, noma uma seluguqukile ulwazi osinikeze lona ngenkathi sihlola ukuthi uzokwazi yini ukukhokhela isikweletu sakho.

Ukukhushulwa Komkhawulo Wokuthenga Ngesikweletu: ngokubona kwethu, kungenzeka siwukhuphule umkhawulo wakho wokuthenga ngesikweletu olingene, ukuze ufinyelele emkhawulweni wokuthenga ngesikweletu ophelele futhi lokhu singakwenza ngaphandle kokunikeza isaziso. Kungenzeka futhi siwukhuphule umkhawulo wakho ophelele wokuthenga ngesikweletu emva kokuthola imvume yakho noma uma usicelile ukuba sikwenze lokho, futhi lokhu kuzokwenziwa ngokulandela izidingo zoMthetho Kazwelonke Wezezikweletu. Kungenzeka ukuthi umkhawulo wakho ophelele wokuthenga ngesikweletu siwukhuphule minyaka yonke ngaphandle kokuba wena ufake isicelo sokukhushulelwa umkhawulo wakho, uma wena uvumile ukuthi sikukhuphulele umkhawulo wakho njalo ngonyaka ngaphandle kokukwazisa.

Ukuncishiswa Komkhawulo Wokuthenga Ngesikweletu: uvumelekile ukuthi noma nini usicele ukuba siwunciphise umkhawulo wakho ophelele wokuthenga ngesikweletu ngokuthi usithumelele isicelo salokho futhi ukhokhe imali esele esikweletini sakho engaphezu komkhawulo wakho wokuthenga ngesikweletu ophelele obuyekeziwe, futhi lokho okucelile sizokwenza kungakapheli izinsuku ezingama-30 kusukela ngosuku esithole ngalo umyalelo wakho.

Ekugcineni, kungumthwalo wakho ukulawulwa komkhawulo wakho wokuthenga ngesikweletu.

3. Indlela Yokufinyelela Nokungena Kwi-akhawunti Yakho Yokuthenga Ngesikweletu Kanye Nokuyisebenzisa

Kungenzeka sikuhlinzeke ngemininingwane yokufinyelela nokungena kwi-akhawunti yakho ngendlela ephephile futhi evikelekile kwiwebsayithi yethu, futhi uzokwazi ukubona nokusebenzisa i-akhawunti yakho ngendlela evikelekile. Uma usebenzisa le ndlela yokungena kwi-akhawunti yakho kwi-inthanethi uyavuma ukuthi kungumthwalo wakho ngokuphelele ukugcina le mininingwane, ama-usernames (amagama ongena ngawo kwi-akhawunti yakho) kanye nama-passwords (izinombolo zokungena eziyimfihlo) kuphephile futhi akuweli ezandleni zomunye umuntu, futhi kumele usazise ngokushesha uma kukhona umuntu obone imininingwane yakho eyimfihlo noma ongene kwi-akhawunti yakho ngaphandle kwemvume yakho noma uma usola sengathi kukhona umuntu obone le mininingwane yakho eyimfihlo noma oyithole ngaphandle kwemvume yakho.

Ngokuvuma nokwamukela le migomo uyaqinisekisa futhi uyavuma ukuthi:

  • usinikeze ulwazi oluphelele futhi oluyiqiniso, oluphathelene nawe, nesimo sakho sezimali kanye nama-akhawunti akho;
  • awuzange ufake isicelo sokukhishwa komyalelo wenkantolo wokulawulelwa izikweletu zakho, futhi njengamanje awukho ngaphansi kohlelo lokuthola ukwelulekwa mayelana nezikweletu zakho noma uhlelo lokubuyekezwa nokuhlelwa kabusha kwezikeletu zakho;
  • usinikeze lonke ulwazi esiludingayo ukuze sikwazi ukuhlola ngendlela efanelekile ukuthi uzokwazi yini ukukhokhela isikweletu sakho;
  • imikhawulo yokuthenga ngesikweletu ehlongozwayo kanye nemigomo yokukhokhelwa kwesikweletu ngaphansi kwalesi sivumelwano ngeke kuholele ekutheni ugcine usunezikweletu ezingaphezu kwamandla akho; futhi
  • uzosazisa ngokushesha uma kwenzeka siguquka isimo sakho sezikweletu futhi okuyinto engaholela ekutheni lezi ziqinisekiso ezinikezwe lapha ngenhla zingabi yiqiniso ngokuphelele, ngenkathi usene-akhawunti esitolo sethu.

Awuvumelekile ukunikeza omunye umuntu imvume yokusebenzisa i-akhawunti yakho – i-khawunti yakho izosetshenziswa nguwena kuphela.

Ukubuyiselwa emuva kwempahla ethengiwe, nokubuyiselwa emuva kwemali okuthengwe ngayo impahla kanye nokulungiswa kwempahla ephukile kuzokwenziwa ngokulandela inqubomgomo yethu yokubuyiselwa kwempahla emuva kanye nokubuyiselwa emuva kwemali okuthengwe ngayo impahla, futhi leyo nqubomgomo ihamba yodwa eceleni, ayiyona ingxenye yale migomo nemibandela.

Uma izimpahla ezithengiwe zibuyiselwe kithina ngendlela efanelekile ngenhloso yokubuyiselwa imali okuthengwe ngayo izimpahla nge-akhawunt yesikweletu, leyo mali izofakwa kwi-akhawunti yokuthenga ngesikweletu. Uma ungayibuyiselanga emuva impahla oyithengile, ubunikazi bempahla buzodlulela kuwena ngokushesha uma abakwa-homechoice sebethole ingxenye yesamba semali othenge ngayo impahla.

Ubungozi obuphathelene nempahla buzodluliselwa kuwena uma izimpahla ezithengiwe sezidiliviwe futhi sezifinyelelile ezandleni zakho. Ngaphandle uma kuhlinzekwa ubufakazi obuphikisana nalokhu, incwadi eyisaziso sokuthi zidiliviwe izimpahla izothathwa njengobufakazi bokuthi nembala zidiliviwe izimpahla.

Ngaleso naleso sikhathi ozosebenzisa ngaso i-akhawunti yakho yokuthenga izimpahla, uyavuma futhi uyaqonda ukuthi sizokwengeza kwi-akhawunti yakho isamba semali esilingana nenani lezimpahla ezithengiwe.

Uma usebenzisa i-akhawunti yakho ngaphandle kweRiphabhulikhi yaseNingizimu Afrika kumele uthobele yonke imithethonqubo ebekiwe yokulawulwa kokusetshenziswa kwemali phakathi kwamazwe ngamazwe.

Kungumsebenzi wakho ukuthi ukwazi lokho okuqukethwe kuleyo mithethonqubo futhi uyithobele.

4. Inzalo Kanye Nemali Yezindleko Zesikweletu

Izinga lenzalo elihambisana nalesi sivumelwano yizinga le nzalo eliguquguqukayo elihambelana nezinga lenzalo elibekwe yiBhange-ngodla laseNingizimu Afrika kanye nefomula yokubalwa kwenzalo ebekwe ngokoMthetho Kazwelonke Wezezikweletu, futhi izinga lenzalo ozokhokhiswa lona lizokhuphuka noma lehle uma liguquka izinga lenzalo elibekwe yiBhange-ngodla noma uma iguquka ifomula yokubalwa kwenzalo.Sizokwazisa uma liguquka izinga lenzalo elibhalwe kwisitatimende sakho. Inzalo izobalwa bese ifakwa esikweletini sakho ngosuku lokugcina lwenyanga, futhi lokhu kuzokwenziwa ngokubheka imali esele kwi-akhawunti yakho yokuthenga ngesikweletu.

Uma ungena kulesi sivumelwano kumele wazi ukuthi kungenzeka sikukhokhise imali yokuvula isikweletu kanye nemali yokulawula isikweletu njalo ngenyanga, engafinyelela emkhawulweni ophelele ovunyelwe nguMthetho Kazwelonke Wezezikweletu. Ngokubona kwethu, kungenzeka sinqume ukuthi ngezikhathi ezithile sikukhokhise imali yokuvula isikweletu noma yokulawula isikweletu engaphansi kwaleyo evunyelwe nguMthetho, kodwa kumele wazi ukuthi ngaso sonke isikhathi sizohlala sinelungelo lokukhokhisa isamba esiphelele sale mali. Abakwa-homechoice bazokuhlinzeka ngesaziso esibhalwe phansi mayelana nanoma yiziphi izinguquko okungenzeka zibe khona – okuyisaziso okungenzeka sithunyelwe nge-imeyili, nge-inthanethi noma nge-SMS.

Esikhundleni sokukukhokhisa imali yokuvula isikweletu ephelele ngaphambi kokuba uhlinzekwe ngesikweletu kanye nemali yokulawula isikweletu ephelele ekupheleni kwenyanga ngayinye, kungenzeka le mali siyihlele ibe "yimali yezindleko zesikweletu" ("facility account fee"). Leyo ngxenye yale mali, ephathelene nemali yokuvula isikweletu, izohlanganiswa bese ukhokhiswa yona njengemali ekhokhwa kanye ngonyaka.

Le mali yezindleko zesikweletu izokwengezwa kwi-akhawunti yakho yokuthenga ngesikweletu kuphela ngenkathi uthenga izimpahla ngesikweletu, nakuba empeleni kumele ikhokhwe ngosuku owenze ngalo isivumelwano nathi – futhi le mali uzokhokhiswa yona ngokubheka ukuthi izimpahla uzithenge ngaluphi usuku lwenyanga, futhi ozokhokha imali eqondene kuphela nalezo nsuku ezisele kuze kuyofinyelela ekupheleni kwenyanga futhi lena yimali engafinyelela kwisamba esiphelele esingama-10% enanini eliphelele othenge ngalo izimpahla. Uma sezihlanganisiwe izindleko ozokhokhiswa zona ngeke neze zibe ngaphezu kwesamba esiphelele esivunyelwe nguMthetho Kazwelonke Wezezikweletu.

Uma ingangezwanga kwi-akhawunti yakho imali yonyaka yezindleko zesikweletu okumele ikhokhwe esikhathini ngasinye esiyizinyanga eziyi-12, leyo mali eshodayo obekumele ikhokhwe esikhathini esiyizinyanga eziyi-12 ezedlule, izodluliselwa esikhathini esiyizinyanga eziyi-12 ezilandelayo futhi uzokhokhiswa yona ngokubheka isikhathi esisele ngaphambi kokuphela kwenyanga njengoba kushiwo lapha ngenhla – okuyimali engafinyelela kwisamba esiphelele esingama-10% enanini eliphelele othenge ngalo izimpahla.

Ngosuku ozovula ngalo i-akhawunti yakho uzokhokhiswa imali yokuvula i-akhawunti, okuyimali ekhokhwa kanye kuphela, futhi le mali izokwengezwa kwibhalansi esele esikweletini sakho. Lena akuyona imali engezwe ngaphezu kwemali yezindleko ezivumelekile ngaphansi koMthetho Kazwelonke Wezikweleti futhi izodonswa ezindlekweni eziphelele ze-akhawunti esinelungelo okukukhokhisa zona.

Qaphela ukuthi nakuba imali yezindleko eziphelele ze-akhawunti (okuyingxenye ebandakanya imali yokuvula isikweletu, imali yokuvula i-akhawunti kanye nemali yesevisi ekhokhwa njalo ngonyaka) izodonswa ngosuku ozongena ngalo esivumelwaneni, ngeke ukhokhiswe inzalo engxenyeni yemali yezindleko engangezwanga kwibhalansi esele esikweletini sakho ngokohlelo lokukhokha ngokubheka ubude besikhathi (pro rata) okukhulunywa ngalo lapha ngenhla.

Kusemqoka kakhulu ukuba uqonde ukuthi le nhlanganisela yemali yezindleko ozokhokhiswa yona (imali yesevisi ekhokhwa nyangazonke kanye nemali yezindleko ze-akhawunti, okuyimali ehlanganisa imali yokuvula isikweletu, imali yokuvula i-akhawunti kanye nengxenye yemali yesevisi ekhokhwa njalo ngonyaka) ngeke neze ibe ngaphezu komkhawulo ophelele ovunyelwe nguMthetho Kazwelonke Wezikweletu kanye nazo zonke izimali zezindleko ezidalulwe kwikhwotheshini yakho noma esinye isiqinisekiso salokhu esibhalwe phansi.

Uma kwenzeka kusalela emuva ukukhokhelwa kwe-akhawunti yakho nyangazonke, futhi uma siqoka ukuphoqelela ukuthotshelwa nokuhlonishwa kwalesi sivumelwano, nguwena ozokhokha imali yezindleko zokulawula ukwahluleka kwakho ukukhokhela isikweletu sakho ngendlela efanelekile, nezindleko zokuqoqwa kwesikweletu, nezindleko zokuthola umkhondo wakho, namakhomishini okuqoqwa kwesikweletu, nezindleko zabameli kanye nezinye izindleko ezifanelekile esingene kuzona kule nqubo, ngaphansi kwemigomo yemithetho efanelekile. Ngeke siqoqe noma sizame ukuqoqa nanoma yisiphi isamba semali yezindleko esingaphezu kwaleso esivunyelwe ngumthetho waseNingizimu Afrika.

5. Umshwalense Wesikweletu

Kungenzeka ukuthi noma nini ngenkathi kuqhubeka isivumelwano futhi ngokubona kwethu, sinqume ukuthi uMshwalense Wokuvikela Ibhalansi Yemali Esele Esikweletini ungumbandela ophoqelekile walesi sivumelwano. Uma ungazimisele ukwamukela uMshwalense Wokuvikela Ibhalansi Yemali Esele Esikweletini ngenkathi siwethula kuwena, angeke ukusakwazi ukuqhubeka usebenzise i-akhawunti yakho ukuthenga izimpahla. Uma sethula uMshwalense Wokuvikela Ibhalansi Yemali Esele Esikweletini ophoqelekile, sizokuhlinzeka ngemigomo yepholisi yomshwalense futhi lokhu kuzoba yisibopho okumele usithobele, kubandakanya nesibopho sokukhokha ama-premium (imali yokukhokhela umshwalense) nyangazonke, esizowangeza kwi-akhawunti yesikweletu sakho. Uma uthanda ungazithathela owakho umshwalense esikhundleni salona wethu, ozokuvikela ngendlela efanayo. Kulokhu-ke kuyodingeka ukuba sigculiseke ngomshwalense wakho futhi kulowo mshwalense kumele sibhaliswe njengenkampani ezokhokhelwa ngumshwalense ngaphansi kwemigomo yalowo mshwalense. Imali yezindleko zomshwalense ngeke neze ibe ngaphezu kwesamba esiphelele esivumelekile ngaphansi koMthetho Kazwelonke Wezezikweletu.

6. Izitatimende

Sizokuthumelela isitatimende se-akhawunti ("isitatimende") njalo ngenyanga uma kunemali okumele uyikhokhe ngaphansi kwesikweletu sakho, futhi isitatimende sizothunyelwa ekhelini lakho lasekhaya, noma laseposini noma le-imeyili osihlinzeke ngalo.

Izitatimende zizobeka ngokucacile imali esele esikweletini sakho ngosuku okukhishwe ngalo isitatimende, kanye nesamba sesitalimende okumele sikhokhwe, kanye nosuku okumele kukhokhwe ngalo leyo mali enqunyiwe. Imali esele esikweletini izobandakanya izindleko zempahla oyithenge nge-akhawunti yakho, nenzalo okuvunyelwane ngayo, kanye nezinye izindleko zesikweletu ezengeziwe, futhi yonke le mali uma isihlangene izoncishiswa ngesamba sesitalimende osikhokhile kuleyo nyanga.

Uma ufuna ukuphikisa imininingwane ebhalwe kwisitatimende sakho, kumele usithumelele isaziso salokho kungakapheli izinsuku ezingama-30 kusukela ngosuku okukhishwe ngalo isitatimende. Uma ungazitholi izitatimende ze-akhawunti, kumele usazise ngalokhu, ngoba uma ungakwenzi lokho thina sizothatha ngokuthi uyazithola izitatimende futhi uyakwamukela lokho okubhalwe kuzona.

7. Izitalimende Zenkokhelo

Uyavuma ukuthi uzosikhokhela isitalimende esingekho ngaphansi kwemali enqunyiwe okumele ikhokhwe nyangazonke (njengoba sibhaliwe kwisitatimende sakho) ngaphandle kokusiphungula noma ukusinciphisa, futhi akumele ukhokhe imali eshodayo, futhi kumele uyikhokhe ngosuku olubekiwe noma ngaphambi kwalo, futhi ngaphandle kwemibandela.

Yonke imali oyikhokhile sizoqala ngokuyisebenzisela ukukhokhela inzalo okumele ikhokhwe noma inzalo ebingakakhokhwa, bese emva kwalokho kukhokhelwe izindleko zesikweletu bese okwesithathu kukhokhelwa ukunciphisa ibhalansi yemali esele esikweletini sakho.

Izindlela zokukhokha ezamukelwe yithina zizobhalwa kwisitatimende sakho.

Uma uqoka ukukhokha ngohlelo lokudonswa kwemali ebhange, isitalimende sizodonswa kwi-akhawunti yakho nyangazonke, ngosuku oluqokile ngaphansi kwesigunyaziso sakho sokudonswa kwesitalimende ebhange. Uma usuku oluqokile lungempelasonto noma lungeholide lomphakathi, isitalimende sizodonswa ngosuku lokusebenza lokugcina olwandulela iSonto noma iholide lomphakathi. Sinelungelo lokubheka imali engenayo kwi-akhawunti oyiqokile ukuze sikwazi ukuthumela umyalelo wokudonswa kwesitalimende ngokushesha uma sekunemali eyanele kwi-akhawunti yakho yasebhange ukuze siqinisekise ukuthi isitalimende sikhokhwa ngempumelelo, kusukela ngosuku olunqunyiwe lokukhokhwa kwesitalimende noma ngokwesigunyaziso sakho sokudonswa kwesitalimende kwi-akhawunti yakho yasebhange.

Uma ukhokha isitalimende ngokufaka imali engukheshe ebhange kungumthwalo wakho ukuqinisekisa ukuthi usebenzisa inombolo eyireferense efanelekile, ukuze sikwazi ukuyithola kalula futhi siyifake kwi-akhawunti yakho.

Uma ukukhokhelwa kwesikweletu sakho kusalele emuva (okusho ukuthi, uma uhlulekile ukukhokha isitalimende esibekiwe ngesikhathi esinqunyiwe), awuvumelekile ukuqhubeka nokuthenga nge-akhawunti yakho.

Awuvumelekile futhi awunalo ilungelo lokuhlehlisa isikhathi okumele ukhokhe ngaso noma wenqabe ukukhokha imali okumele uyikhokhe, ngesizathu sokuthi kukhona umbango noma umbuzo onawo ophathelene nokungagculiseki ngendlela esisebenzisana ngayo nawe.

8. Ukuphulwa Kwesivumelwano Kanye Nokuqedwa Kwaso

Thina sivumelekile ukuqeda ngokuhoxisa lesi sivumelwano uma umthetho usivumela ukuba sisihoxise. Uvumelekile ukuba noma nini usiqede isikweletu sakho ngokukhokha ngokuphelele yonke imali esele esikweletini bese usibhalela incwadi usazise ukuthi ufuna ukuba siqedwe lesi sivumelwano.

Uma kwenzeka wena:

  • uhluleka ukukhokha isitalimende esiphelele okumele sikhokhwe ngesikhathi esibekiwe;
  • uhluleka ukuthobela noma imuphi umgomo walesi sivumelwano;
  • udlelwa impahla; noma
  • ushona,

lokho kusho ukuthi:

  • abakwa-homechoice bangakumisa ukusetshenziswa kwe-akhawunti yakho ngaphandle kokunikeza isaziso;
  • abakwa-homechoice bangakwazisa mayelana nokwahluleka kwakho ukukhokha imali edingekayo futhi benze isiphakamiso sokuba isivumelwano sokubolekwa imali usidlulisele kumeluleki wezezikweletu, noma-ke kwisisebenzi esengamele uhlelo lokuxazululwa kwemibango, noma inkantolo yezabathengi noma isikhulu esiphenya izikhalazo zabathengi esigunyaziwe, ngenhloso yokuba labo abasayinde isivumelwano basombulule noma yimuphi umbango okhona phakathi kwabo ngaphansi kwesivumelwano noma benze futhi bavumelane ngohlelo lokukhokhwa kwemali esalele emuva ngaphansi kwalesi sivumelwano. (Qaphela ukuthi uma uhlulekile ukukhokha imali esalele emuva kwaze kwadlula okungenani izinsuku zokusebenza ezingama-20 (amashumi amabili) futhi sekudlule okungenani izinsuku zokusebenza eziyi-10 (ishumi) emva kokuba abakwa-homechoice bekuthumelele isaziso futhi uma uhlulekile ukuthatha izinyathelo ezifanelekile mayelana nesaziso osithunyelelwe, noma uma usichithile isiphakamiso sabakwa-homechoice, abakwa-homechoice kungenzeka bacele inkantolo ukuba ikhiphe umyalelo ophoqelela ukuthotshelwa nokuhlonishwa kwesivumelwano.)

Uvumelekile ukuthi, noma nini ngaphambi kokuba sisiqede noma sisihoxise isivumelwano, usivuselele isivumelwano esinemali esalele emuva ngokusikhokhela yonke imali esalele emuva, kuhlangene nemali yezindleko zesikweletu esisalele emuva, kanye nezindleko ezifanelekile zokuphoqelela ukuthotshelwa nokuhlonishwa kwesivumelwano kuze kufike esikhathini sokuvuselelwa kwesivumelwano.

Uma noma nini ihoxiswa noma iqedwa i-akhawunti yakho, kufanele usikhokhele ngokushesha yonke imali esele esikweletini sakho. Uma kunemali ekhokhwe ngokweqile kwi-akhawunti yakho, leyo mali izofakwa kwi-akhawunti yasebhange eqokwe nguwena.

Ukuhoxiswa nokuqedwa kwalesi sivumelwano ngeke kube nomthelela emalini oyikweletayo noma kwizibopho zakho okungalindelekile ukuba ziphazamiseke ngenxa yokuvalwa kwe-akhawunti yakho, kubandakanya nalokhu okulandelayo, ngaphandle komkhawulo, ubumfihlo bolwazi, izibopho zokukhokha kanye nezokunxephezela eziqubuke ngaphansi kwalesi sivumelwano.

Isitifiketi esikhishwe futhi sasayindwa ngomunye wabaqondisi bakwa-homechoice esikhombisa imali oyikweletayo, siyiqiniso elingephikiswe (okusho ukuthi kumele samukelwe, kuze kuvezwe ubufakazi obuphathekayo obuphikisana naso) futhi singasetshenziswa ukweseka nanoma yisiphi isicelo esifakwa enkantolo noma izinyathelo zomthetho.

9. Ukukhokhelwa Kwesikweletu Ngokugcwele Ngaphambi Kokuphela Kwesikhathi Sesivumelwano

Unelungelo lokukhokha ngokugcwele noma nini yonke imali esele esikweletini sakho, futhi lokho ungakwenza emva kokusinikeza isaziso kusenesikhathi noma ukwenze ngaphandle kokusinikeza isaziso. Uma ufuna ukukhokha ngokugcwele yonke imali esele esikweletini sakho ngaphambi kosuku olunqunyiwe, ungasicela ukuba sikuhlinzeke ngesamba semali okumele uyikhokhe ukuze ukwazi ukukhokhela isikweletu sakho ngokugcwele ngaphambi kwesikhathi esinqunyiwe. Sizokunikeza isamba semali okumele usikhokhe ngaphambi kwesikhathi esibekwe yithina. Uma unquma ukukhokha le mali yokukhokhela ngokugcwele isikweletu sakho ngaphambi kokuphela kwesikhathi esibekiwe, kumele uqinisekise ukuthi leyo mali ifinyelela kithina ngosuku olubekwe yithina noma ngaphambi kwalolo suku.

10. Ukuthengwa Kwezimpahla Okungagunyaziwe

Uyathembisa futhi uyazibophezela ukuthi uzosibhalela incwadi uma unombuzo noma uma kukhona ukukhathazeka onakho mayelana nokuthi iyiqiniso yini imininingwane ebhalwe kwisitatimende sakho esikhishwa nyangazonke noma mayelana nemininingwane yezimpahla ozithengile, futhi lokhu kumele ukwenze kungakapheli izinsuku ezingama-30 kusukela ngosuku okwenzeke ngalo isehlakalo leso esibangele ukuba ube nongabazane. Ngeke sikukhokhise ngezimpahla ezithengwe ngomkhonyovu futhi ngaphandle kwemvume yakho uma usazise ngendlela efanelekile kungakapheli isikhathi esishiwo ngenhla, ngaphandle uma sithola ukuthi nguwena ogunyaze ukuthengwa kwalezo zimpahla noma uma sithola ukuthi zithengwe nguwena uqobo lwakho.

11. Ubumfihlo kanye Nezinkampani Ezigcina Imininingwane Yabathengi Yokuthenga Ngesikweletu

Siyakucebisa ukuthi ufunde futhi uzijwayeze inqubomgomo yokugcinwa nokuhlinzekwa kwemininingwane eyimfihlo, okuyinqubomgomo ongayithola kwiwebsayithi yakwa-homechoice.

Uyaqonda futhi uyavuma ukuthi sicele futhi sinikezwe ulwazi oluyimfihlo oluphathelene nawe njengomthengi othenga ngesikweletu, etholakala kwizinkampani ezigcina imininingwane yabathengi, noma etholakala kolunye uhlobo lwerejista noma nini noma komunye umuntu noma inkampani, kubandakanya namaphuzu akho okuthenga ngesikweletu anikezwe yinkampani egcina umlando wabathengi.

Uyaqinisekisa futhi ukuthi le mvume ibandakanya futhi nalolo lwazi oselusezandleni zethu njengamanje. Uyavuma futhi ukuthi sithumele ulwazi oluphathelene nendlela okhokhela ngayo i-akhawunti yakho kunoma iyiphi inkampani egcina imininingwane yabathengi ebhaliswe eNingizimu Afrika. Lolo lwazi kungenzeka silusebenzise thina ngokwethu noma lusetshenziswe ngezinye izinkampani ezigcina imininingwane yabathengi ukuthatha isinqumo mayelana nokuhlinzekwa kwesikweletu esiphathelene nawe noma amalungu omndeni wakho, ngenhloso yokuvimbela izenzo zokukhwabanisa kanye nokulekelela ekutholweni komkhondo wabantu abakweletayo.

Unelungelo lokuxhumana nanoma iyiphi inkampani egcina imininingwane yabathengi futhi uyicele ukuba ikuhlinzeke ngolwazi olugciniwe oluphathelene nesimo nomlando wakho wokuthenga ngesikweletu, futhi uvumelekile ukuphikisa noma yiluphi ulwazi olugcinwe yileyo nkampani okholelwa ekutheni luyaphaphalaza noma alulona neze iqiniso.

Thina kanye/noma izinkampani ezingaphansi kwethu ezigunyaziwe sinelungelo lokuqapha kanye nokuqopha izingxoxo zocingo phakathi kwakho nanoma yisiphi isisebenzi sakwa-homechoice noma inkampani engaphansi kwabo.

Noma yiluphi ulwazi okumele siluthole ngaphansi kwalesi sivumelwano kungenzeka silunikeze noma ngubani ofanelekile ofuna ukuthenga lolo lwazi, noma siludlulisele komunye umuntu noma inkampani uma kwenzeka sithatha isinqumo sokuthengisa ibhizinisi lethu, noma uma inkampani leyo inikezwa amandla okufaka abakwa-homechoice ngaphansi kolawulo lwayo.

12. Izindlela Zokukhangisa Imikhiqizo, Ikhasimende Elingazikhethela Kuzona

Unelungelo:

Unelungelo:
  • lokungafakwa kunoma yimiphi imikhankaso yokukhangisa okungenzeka iqhutshwe ngabakwa-homechoice noma iqhutshwe egameni labo;
  • lokungafakwa ohlwini lokukhangisa noma lwabathengi okungenzeka luthengiswe noma lusatshalaliswe ngabakwa-homechoice; futhi
  • ungafakwa kunoma yikuphi ukuthunyelwa kwemiyalezo yama-imeyili noma yama-sms ethunyelelwa abantu abaningi.

Unelungelo lokuxhumana nathi noma nini usicele ukuba siguqule noma sichibiyele indlela obuyiqokile esikhathini esedlule ephathelene nokukhangiswa kwemikhiqizo.

13. Ukusebenza Komthetho Kanye Nokuxazululwa Kwemibango

Lesi sivumelwano, ne-akhawunti yakho yokuthenga ngesikweletu kanye nokuthengwa kwanoma yiziphi izimpahla kwa-homechoice, kuzolawulwa ngokulandela imithetho yaseNingizimu Afrika ngokuphelele. Wena uyavuma futhi uyakwamukela ukusebenza kwenkantolo kamantshi enegunya namandla mayelana nazo zonke izinyathelo zomthetho eziphathelene nalesi sivumelwano, nakuba udaba lwesamba semali ebangwayo kungenzeka lube ngaphezu kwamandla okusebenza kwenkantolo kamantshi.

Imibango ephathelene nalesi sivumelwano ingathunyelwa ophikweni lakwa-homechoice lokuxhumana namakhasimende ku-0861 466 324 noma ngokuthumelela abakwa-homechoice isaziso esibhalwe phansi.

Uma ungakwazanga ukuthola isixazululo senkinga yakho ngenkanthi uxhumana nathi noma uma ufuna ukufaka isikhalazo noma nini uvumelekile ukuxhumana neNkantolo Kazwelonke Yezabathengi ku-012 683 8140/012 742 9900.

15. Izaziso

Uyavuma futhi uyakwamukela ukuthi thina sinelungelo lokuxhumana nawe sikuthumelele izitatimende ekhelini elihlinzekwe nguwena elibhalwe kwikhwotheshini yakho, futhi uyathembisa ukuthi uzosazisa ngokushesha uma kwenzeka iguquka imininingwane yakho (kubandakanya lokhu okulandelayo, kodwa kungagcini lapho nje kuphela, ikheli lakho lasemsebenzini, laseposini noma lasekhaya, izinombolo zocingo noma ikheli le-imeyili).

Uyavuma ukuthi noma yisiphi isaziso esithunyelwe ngokwesigaba 129 soMthetho Kazwelonke Wezezikweletu sithunyelwe kuwena ngeposi elirejistiwe ekhelini lakho lasekhaya osinikeze lona ngenkathi ungena esivumelwaneni.

Imininingwane yethu ephelele kanye nekheli eliphathelene nalesi sivumelwano, kume kanje:

homechoice (Pty) Ltd
NCR no: NCRCP 454
78 Main Road, Wynberg, 7800
Inombolo yocingo: 0861 466324
Ikheli le-imeyili: contact@homechoice.co.za

Ikheli eliqokwe nguwena kwikhwotheshini kuzoba yikheli okuzothunyelwa kulona zonke izaziso, izinqubo, izitatimende kanye nezincwadi esikubhalela zona.

Isaziso esibhalwe phansi esitholwe yithina noma nguwena sizothathwa njengesaziso esanele kungakhathalekile ukuthi sithunyelwe ekhelini eliqokiwe noma cha.

16. Imigomo Ejwayelekile

Uma sikunikeza noma yisiphi isibonelelo sozwelo, lokho ngeke kuthathwe njengokugudlula kwethu noma yimaphi amalungelo esinawo ngaphansi kwalesi sivumelwano. Lokhu kusho ukuthi uma sivumela ukuchezuka okuthile kulesi sivumelwano, sisenawo amalungelo ethu ngaphansi kwalesi sivumelwano uma sifuna ukuwasebenzisa lawo malungelo ethu.

Awuvumelekile ukuthi udlulisele komunye umuntu noma yimaphi amalungelo akho ngaphansi kwalesi sivumelwano, ngaphandle kokuba kuqala uthole imvume ebhalwe phansi. Thina sinelungelo, ngaphandle kokukwazisa, lokudlulisela/lokunikezela kwenye inkampani amalungelo ethu kanye nezibopho zethu ngaphansi kwalesi sivumelwano.

Zonke izimpahla ezithengwe yikhasimende ezibuyiselwa emuva kanye nokubuyiselwa emuva kwemali okuthengwe ngayo izimpahla kuzoqhutshwa futhi kulawulwe ngokulandela izinqubomgomo zethu zokubuyiselwa emuva kwezimpahla ezithengiwe.

Noma yisiphi isimiso salesi sivumelwano okungenzeka singabi semthethweni noma singasebenziseki kunoma yisiphi isimo sokusebenza kwamandla negunya lomthetho ngaphansi kwalesi sivumelwano sizothathwa njengesingasebenzi futhi sizokhishwa kulesi sivumelwano, ngaphandle kokuvimbela ukusebenza kwezinye izimiso zalesi sivumelwano noma ngaphandle kokuba nomthelela kulezo zimiso ngaphansi kwanoma yiliphi elinye igunya kanye namandla okusebenza komthetho.

Esikhathini esizayo kungenzeka siyichibiyele le migomo, futhi sizokunikeza isaziso esiyizinsuku ezinhlanu (5) ngaphambi kokwenza lolo guquko (leso saziso sizosithumela ekhelini eliqokwe nguwena kwikhwotheshini yakho). Uma ungagculisekile nganoma yiziphi kulezi zichibiyelo, unelungelo lokuqeda lesi sivumelwano bese uhoxisa noma uqeda i-akhawunti yakho ngokuthi ukhokhe yonke ibhalansi yemali esele esikweletini sakho ngaphansi kwalesi sivumelwano.

Le migomo nemibandela iyatholakala ngesiNgisi, isiBhunu, isiZulu, isiXhosa kanye neSesotho.

top