ICandelo le-NCA leeMfuno zokufikeleleka | Isikhokelo esisebenzayo
Isikhokelo se-NCA seCandelo lama-81 leembophelelo zokuhlola ukufikeleleka kubaniki-nkonzo yeentengo zemboleko baseMzantsi Afrika. Amanyathelo afunekayo, imigangatho yoxwebhu, kunye nezikhewu zokuthotyelwa.
Uvavanyo lokufikeleleka kweCandelo lama-81 leNCA yeyona nto ibalulekileyo kuye nabani na onika ikhredithi eMzantsi Afrika. ICandelo lama-81 limisela amanyathelo asisinyanzelo ekufuneka wonke umniki-nkonzo yeentengo zemboleko awanelise phambi kokuba enze isivumelwano sentengo yemboleko. Nangona kunjalo amagosa amaninzi othotyelo kunye namaqela eentengo zemboleko asanakho ukuqonda okucacileyo, okwenzekayo kwento efunwa licandelo, athini “amanyathelo afanelekileyo” xa usebenza, kwaye ngawaphi amaxwebhu ayakumelana nophicotho-zincwadi lwe-NCR okanye umngeni wokuboleka imali ngokungakhathali. Ngaphandle kwaloo ngcaciso, iifemu ziyenza nzima kakhulu inkqubo okanye zizishiye zibhentsisiwe ngokubhala phantsi okanye ukutsiba amanyathelo. Eli nqaku libonelela ngokungena nzulu kwiimfuno zomthetho zeCandelo lama-81, amanyathelo ovavanyo kunye nemigangatho yamaxwebhu aphuma kulo, indlela iinkundla kunye neNational Credit Regulator ekutolika ngayo ukuthotyelwa, nalapho abaniki-nkonzo yeentengo zemboleko ngokuqhelekileyo basilela khona. Ukuze ufumane imbono ebanzi yezibophelelo zeNCA, bona eyethu Isikhokelo sokuthotyelwa kweNational Credit Act.
Yintoni efunwa liCandelo lama-81 loVavanyo lokufikeleleka kweNCA — Isicatshulwa soMthetho
ICandelo lama-81(1) le-NCA lichaza ukuba umniki-nkonzo yeentengo zemboleko kufuneka angangeni kwisivumelwano sentengo yemboleko kunye nomboleki engakhange aqale athathe amanyathelo afanelekileyo okuvavanya ukuqonda ngokubanzi komboleki malunga neengozi neendleko zentengo yemboleko ecetywayo kunye namalungelo kunye nezibophelelo phantsi kwesivumelwano sentengo yemboleko, imbali yokuhlawula ityala lomboleki njengomboleki phantsi kwezivumelwano zeentengo zemboleko, kunye nemibono ekhoyo yemali, kunye nemibono yomboleki. Uvavanyo kufuneka lusekelwe kulwazi olukhoyo kumniki-nkonzo yeentengo zemboleko, kubandakanywa nolwazi olunikezelwe ngumboleki kunye neenkcukacha ezifunyenwe kwiziko eligcina inkcazelo ngeentengo zemboleko.
Imveliso yenza izinto ezintathu. Okokuqala, ibeka isibophelelo ** esisinyanzelo**: umniki-nkonzo yeentengo zemboleko “makangaze” angene kwisivumelwano engakhange aqale athathe amanyathelo afunekayo. Akukho bulumko bokutsiba uvavanyo. Okwesibini, icacisa **yintoni ** kufuneka ihlolwe: ukuqonda imingcipheko kunye neendleko, amalungelo kunye nezibophelelo, imbali yokuhlawula ityala, kunye neendlela zemali, ithemba, kunye nezibophelelo. Okwesithathu, inyanzelisa i- ** isiseko ** yovavanyo: kufuneka isekelwe kwingcaciso ekhoyo kumnikezeli, kubandakanywa umthengi-ubonelelo kunye nedatha ye-bureau. Oko kuthetha ukuba uvavanyo alunakuba luqikelelo olusulungekileyo; kufuneka isekelwe kulwazi olunokuqinisekiswa.
Icandelo 81(2)(a) longeza ukuba xa kuvavanywa iindlela zezimali zomboleki, okulindelweyo, kunye nezibophelelo, umniki-nkonzo yeentengo zemboleko kufuneka acele kwaye aqwalasele iindlela zemali zangoku zomboleki, okulindelweyo, kunye nezibophelelo kunye nembali yokuhlawula ityala lomboleki. UMthetho ke ngoko unxulumanisa ngokucacileyo uhlolo kwimeko yemali yangoku kunye nokuziphatha kwembali. Enyanisweni, oku kuqhuba imfuno yokuqinisekiswa kwengeniso, uhlalutyo lweendleko, umfanekiso opheleleyo weembophelelo zekhredithi ezikhoyo (ngokuqhelekileyo ezivela kwiingxelo ze-bureau ezivela kwi-Experian, Datanamix, okanye TransUnion), kunye nokuhlaziywa kokuziphatha kwentlawulo kwii-akhawunti ezikhoyo. Indlela yokwenza ezi zinto ijongiwe kwisikhokelo sethu ku- Uvavanyo lokufikeleleka eMzantsi Afrika; kugxilwe apha kwiimfuno zomthetho kunye nendlela yokuhlangabezana nazo ngokusebenza.
Iintsika eziHlanu zeCandelo lama-81 loVavanyo
Ukwahlulahlula iCandelo lama-81 libe ngamacandelo okusebenza, uvavanyo oluthobelayo luxhomekeke kwiintsika ezintlanu. Nganye ihambelana nento elindeleke ukuba i-NCA kunye ne-NCR ijongwe.
Ukuqinisekiswa kwengeniso
Iindlela ezikhoyo zemali zomthengi azinakuvavanywa ngaphandle kwembono ethembekileyo yengeniso. ICandelo lama-81 lifuna ukuba umniki-nkonzo yeentengo zemboleko athathe amanyathelo afanelekileyo okuvavanya iindlela zemali; oko kuthetha ukuqinisekisa ingeniso kunokwamkela ngexabiso elililo. Enyanisweni, oku kuthetha ukucela nokugcina ubungqina bengeniso - ii-payslips kubathengi abaqeshiweyo, iziteyitimenti zebhanki okanye amaxwebhu erhafu kubathengi abazisebenzelayo okanye abaguquguqukayo-nokusebenzisa olo lwazi njengesiseko sokubala ukufikeleleka. Kumaziko amakhulu okanye amacandelo anomngcipheko ophezulu, i-NCR ilindele ukuqinisekiswa okomelele ngakumbi. Inqanaba lokuqinisekisa linokuhambelana nohlobo kunye nobukhulu bekhredithi, kodwa ukungabikho ngokupheleleyo kokuqinisekiswa kwengeniso kunzima ukukhusela “njengamanyathelo afanelekileyo.”
Uhlalutyo lwenkcitho
Iindlela zemali azikho malunga nengeniso kuphela; zimalunga nokushiyekileyo emva kwenkcitho efunekayo. ICandelo lama-81 libhekisa “kwiendlela zemali ezikhoyo, izinto ezilindelekileyo, kunye nezibophelelo” litolikwe njengelibandakanya ukuqwalaselwa kweendleko zokuphila zomboleki, kuba umvuzo olahlwayo (emva kweendleko) yinto ekhoyo kwityala lenkonzo. Abanikezeli bekhredithi banokusebenzisa iindleko ezichaziweyo, ibhenchmark okanye amanani amiselweyo (afana nalawo asetyenziswa kuphononongo lwamatyala okanye apapashwe yi-NCR), okanye indibaniselwano. Undoqo kukusebenzisa indlela engaguquguqukiyo, ebhalwe phantsi ukuze uqikelelo lweendleko lungabi ngqongqo. Umlinganiselo wetyala-kwingeniso kunye nokubalwa komvuzo olahlayo zombini zixhomekeke ekubeni nembono efanelekileyo yeendleko.
Izibophelelo ezikhoyo
Umniki-nkonzo yeentengo zemboleko kufuneka avavanye izibophelelo zomboleki ezikhoyo phambi kokuba afake ikhredithi entsha. Umthombo ophambili woku yingxelo ye-credit bureau. Zonke izivumelwano zetyala ezisebenzayo - amakhadi okugcina, imali-mboleko yobuqu, imali yemoto, imali mboleko yezindlu, kunye nazo naziphi na ezinye iindawo ezifuna iintlawulo zenyanga - kufuneka zichongwe kwaye izavenge zazo (okanye iintlawulo eziphantsi) zibandakanywe ekubaleni ukufikeleleka. Ukuxhomekeka kuphela kwizibhengezo zabathengi akwanelanga; abathengi banokushiya ii-akhawunti okanye bajonge phantsi iibhalansi. Idatha ye-Bureau kufuneka ifunyanwe kwaye ilungelelaniswe. Izibophelelo ezilahlekileyo zikhokelela ekufikelelekeni okugqithisileyo kwaye konyusa umngcipheko wokuba sematyaleni ngokugqithisileyo kunye ukuboleka imali ngokungakhathali neziphumo.
Imbali yokuhlawula ityala
Icandelo 81 lifuna ngokucacileyo ukuba umniki-nkonzo yeentengo zemboleko athathe amanyathelo afanelekileyo okuvavanya imbali yokuhlawula amatyala omboleki. Oku kwahlukile ekunikeni uluhlu lwezibophelelo zangoku; ibandakanya ukuphonononga indlela umthengi asebenze ngayo kwezo zibophelelo ekuhambeni kwexesha. Iikhowudi zeprofayili yentlawulo, imbali engahlawulwanga, uluhlu olubi, izigwebo, kunye nemiyalelo yolawulo zonke zifanelekile. Umboleki onepateni yokuhlawula kade okanye ukusilela angaqinisekisa unyango olwahlukileyo kunolo unembali ecocekileyo, nokuba amanqanaba akhoyo etyala ayafana. Iingxelo ze-Bureau ezivela kumaziko amakhulu oMzantsi Afrika zibonelela ngale mbali; kufuneka ijongwe kwakhona kwaye ifakwe kuvavanyo. Ukufumana okungakumbi ngendlela yokuziphatha kwentlawulo ebanjwa kwaye isetyenziswe, bona iikhowudi zeprofayili yentlawulo kunye amanqaku etyala eMzantsi Afrika.
Ukuqonda kwabathengi
ICandelo lama-81 lifuna uhlolo lokuqonda ngokubanzi komboleki kwiingozi neendleko zentengo yemboleko ecetywayo kunye namalungelo kunye nezibophelelo phantsi kwesivumelwano sentengo yemboleko. Oku kudla ngokuba yeyona nto ingabhalwanga phantsi. Ngokwenza oko, kunokuqwalaselwa ngokubhengezwa okucacileyo kwesivumelwano sangaphambili, amaxwebhu okucaphuna, kunye nenkqubo evumela umthengi ukuba abuze imibuzo okanye aqinisekise ukuqonda. Kwiimveliso ezintsonkothileyo (umzekelo, iintlawulo zebhaluni, iintlawulo eziguquguqukayo, okanye i-inshurensi edityanisiweyo), umniki-nkonzo yeentengo zemboleko kufuneka akwazi ukubonisa ukuba umboleki unikwe ulwazi ngendlela eqondakalayo kwaye ube nethuba lokuyiqonda. Amaxwebhu asenokuquka ukuvuma okusayiniweyo, amanqaku omnxeba, okanye imibhalo eqhelekileyo equka imingcipheko engundoqo kunye nezibophelelo.
ImiGangatho yoXwebhu — Yintoni ekufuneka irekhodwe
I-NCA ayimiseli uhlobo olunye loxwebhu, kodwa ifuna ukuba uvavanyo lwenziwe kwaye umniki-nkonzo yeentengo zemboleko angabonakalisa ukuthobela. Ngokwenza oko, oko kuthetha ukudala nokugcina iirekhodi ezibonisa ukuba loluphi ulwazi olufunyenweyo, ngawaphi amanyathelo athathiweyo, kunye nokuba isigqibo sifikelelwe njani. Xa uphicotho-zincwadi lwe-NCR okanye umboleki etyhola ngokuboleka imali ngokungakhathali, umthwalo usekumniki-nkonzo yeentengo zemboleko ukubonisa ukuba uvavanyo olululo lwenziwe. Ngaphandle kwamaxwebhu, loo mthwalo awunakufezekiswa.
Iirekhodi kufuneka zibandakanye: ingxelo ye-credit bureau esetyenzisiweyo kunye nomhla ezifunyenwe ngawo; ingeniso yomboleki exeliweyo neqinisekisiweyo kunye nomthombo woqinisekiso; uluhlu lwezibophelelo ezikhoyo (kunye nabachongi be-akhawunti kunye nezavenge) njengoko ziphuma kwiziko nakuluphi na ubhengezo lwabathengi; inani leendleko okanye indlela esetyenzisiweyo (umzekelo, umlinganiselo oqhelekileyo okanye iindleko ezibhengeziweyo); ukubalwa komvuzo olahlwayo kunye/okanye ityala-to-ingeniso ratio; kunye nesalathiso esicacileyo sokuba ngaba umboleki ufunyenwe esematyaleni ngokugqithisileyo okanye efikeleleka, kwaye ngoba. Ikhonkco phakathi kwedatha yeziko, izibalo, kunye nesigqibo sesibonelelo/sokwehla kufuneka silandelelwe. Ngolwazi lwesikhokelo malunga nokuba abaphicothi-zincwadi kunye ne-NCR bajonge ntoni, bona Iimfuno zomkhondo wophicotho lwetyala kunye Iimfuno zokugcina iirekhodi zeNCA. Iinkcukacha ezigcinelwe ezi njongo kufuneka ziphathwe ngokuhambelana I-POPIA — ugcino olukhuselekileyo, ulawulo lofikelelo, kunye nemida yogcino.
”Amanyathelo anengqiqo” ekusebenzeni - Indlela iiNkundla kunye ne-NCR ezitolika ngayo
Icandelo 81 lisebenzisa ibinzana elithi “amanyathelo afanelekileyo” endaweni yokuchaza uluhlu olupheleleyo lokuhlola. Oko kuvumela ukuba bhetyebhetye kwiimveliso ezahlukeneyo zetyala kunye nezixa, kodwa kukwadala ukungaqiniseki ukuba akutolikwa ngokubhekiselele kulawulo kunye nesikhokelo somthetho. Ngokwesiqhelo, “amanyathelo afanelekileyo” atolikwa njengenkqubo elinganayo, eyinyani efanelekileyo kwiimeko. Ayifuni imfezeko okanye uphando olungenasiphelo; ifuna ngaphezulu kwebhokisi yokukhaka okanye isitampu serabha.
Izinto eziphembelela oko kusengqiqweni ziquka isixa setyala (isibonelelo esikhulu sinokugunyazisa ukuqinisekiswa kwengeniso ngokucokisekileyo ngakumbi kunye nokuphononongwa kweendleko),uhlobo lwekhredithi* (ikhuselekile xa ithelekiswa nengakhuselekanga, yexesha elifutshane vs yexesha elide), kunye inkcazelo esele ikhona (umzekelo umthengi osele ekhona onembali yentlawulo usenokufuna ukuqinisekiswa okunganeno kunomfaki-sicelo omtsha). I-NCR ithe gqolo ukugxininisa ukuba abaniki-nkonzo yeentengo zemboleko kufuneka baqinisekise ingeniso apho kunokwenzeka, basebenzise idatha ye-bureau ukwakha umfanekiso opheleleyo wezibophelelo, kwaye basebenzise imilinganiselo engaguqukiyo. Ukuxhomekeka kuphela kwizibhengezo zabathengi ngaphandle koxolelwaniso lweziko, okanye ukunika ikhredithi ngaphandle kokubalwa kokufikeleleka, kuthathwe njengokusilela kumanyathelo afanelekileyo. Xa uthandabuza, abaniki-nkonzo yeentengo zemboleko kufuneka benze impazamo kwicala loxwebhu kunye nokubekwa emgangathweni: inkqubo ecacileyo, ephindaphindwayo esetyenziswa rhoqo kulula ukuyikhusela kunokugweba okungalindelekanga okungenakuphinda kwakhiwe.
Izikhewu zokuThobela eziQhelekileyo — Apho abaBoneleli-tyala Ngokuqhelekileyo besilela ngoMfutshane
Iipateni ezininzi ziyaphinda kwiziphumo ze-NCR kunye neengxabano zokuboleka imali ngokungakhathali. Ukujongana noku kunciphisa umngcipheko osemthethweni kunye nolawulo.
Ulungelelwaniso lweziko olungaphelelanga. Ukusebenzisa ingxelo yeziko kodwa kusilele ukubamba zonke ii-akhawunti ezisebenzayo, okanye ukusebenzisa ingxelo ephelelwe lixesha, kukhokelela kwizibophelelo ezingachazwanga kunye nokufikeleleka ngokugqithisileyo. Zonke iziko elifuna intlawulo yenyanga kufuneka zidweliswe kwaye lifakwe kwizibalo zetyala-kwingeniso kunye nengeniso echithwayo. Ukutsalwa okuzenzekelayo okanye okucwangcisiweyo kwidatha ye-bureau kunciphisa umngcipheko wokungabikho xa kuthelekiswa nokukopa ngesandla kwiiPDF.
Akukho okanye ukuqinisekiswa kwengeniso enganelanga. Ukwamkela umvuzo ochaziweyo ngaphandle kweephetshana zokuhlawula, iziteyitimenti zebhanki, okanye obunye ubungqina kunzima ukukukhusela “njengamanyathelo afanelekileyo,” ngakumbi kwiimali eziphathekayo. Ukuqinisekiswa akufuneki kufane kwisicelo ngasinye, kodwa kufuneka kubekho umgangatho olinganisa ubungakanani kunye nohlobo lwekhredithi.
Amaxwebhu angekhoyo okanye angangqinelaniyo. Xa uvavanyo lungabhalwanga ngendlela enokubuyiselwa, okanye xa abavavanyi abohlukeneyo besebenzisa iindlela ezahlukeneyo ngaphandle komgaqo-nkqubo obhaliweyo, umniki-nkonzo yeentengo zemboleko akanako ukubonisa ukuthotyelwa okungaguqukiyo. Iirekhodi ezibekwe embindini, ezinesitampu sexesha ezinxibelelanisa ingxelo yeziko, ukubalwa kokufikeleleka, kunye nesigqibo zibalulekile. Apha kulapho iindlela zophicotho kunye ukugcinwa kweerekhodi ziba yimfuneko yokusebenza.
Ukungahoyi ukuqonda kwabathengi. Ababoneleli abaninzi bagxila kuphela kwilungu lezemali leCandelo lama-81 kwaye ababhalisi ukuba bajongana njani nokuqonda komthengi ngomngcipheko, iindleko, kunye nezibophelelo. Kwiimveliso ezisemgangathweni, ukubhengezwa okucacileyo kunye nenkqubo yokuvuma kunokwanelisa oku; kwiimveliso ezinzima, amanyathelo ongezelelweyo anokufuneka. Imfuneko ayifanele ibethwe ngoyaba.
Ukusetyenziswa okungangqinelaniyo kwe-DTI okanye imimiselo yeendleko. Xa omnye umvavanyi esebenzisa i-40% yetyala-kwingeniso-mali kwaye omnye esebenzisa i-50%, okanye xa imilinganiselo yeendleko isahluka ngomvavanyi, abathengi abafanayo baphathwa ngokwahlukileyo. Oko kujongela phantsi ubulungisa kwaye kwenza kube nzima ukubonisa ukuba “amanyathelo afanelekileyo” asetyenziswe ngokufanayo. Imigaqo-nkqubo ebhaliweyo kwaye, apho kunokwenzeka, izixhobo zovavanyo ezakhiwe ngenjongo isebenzisa imithetho efanayo kuzo zonke izicelo zenkxaso ukuthobela ukhuseleko.
Izohlwayo kunye neziphumo zokungathobeli
Ukungaphumeleli ukuthobela iCandelo 81 ayilotyala elizimeleyo elinegatya lesohlwayo kwi-NCA; endaweni yoko, itya ngqo kwisakhelo sokubolekisa ngokungenankathalo. Phantsi kweCandelo lama-80, intengo yemboleko ayinankathalo ukuba umniki-nkonzo yeentengo zemboleko usilele ukwenza uhlolo olululo (iCandelo lama-80(1)(a)) okanye ungene kwisivumelwano nangona esazi okanye enesizathu sokwazi ukuba umboleki ubenamatyala ngokugqithisileyo (iCandelo lama-80(1)(b)(ii)). Uvavanyo lweCandelo 81 olusilelayo okanye olungabhalwanga lisango lokufunyaniswa ukuba akukho vavanyo lufanelekileyo lwenziweyo, olunokuthi lukhokelele ekubhengezweni ngetyala elingenankathalo.
Iziphumo zichazwe kwiCandelo lama-83 nakwinkqubo yonyanzeliso ye-NCR. Inkundla inokusibhengeza ukuba isivumelwano singenankathalo kwaye isibeke ecaleni, isirhoxise, okanye ihlengahlengise izibophelelo zomboleki. Ukuba ubekelwe bucala, umniki-nkonzo yeentengo zemboleko angaphulukana nenqununu aze afumane izixa eziqingqiweyo kuphela. I-NCR inokuphanda, iwise izohlwayo zolawulo, okanye ithabathe inyathelo ngokuchasene nobhaliso. Ngonyango olupheleleyo lwetyala lokubolekisa ngemali ngokungakhathali kunye nokhuseleko, bona ukuboleka imali ngokungakhathali phantsi kweNCA. Into enokuthi ithathelwe ingqalelo kwiCandelo lama-81 kukuba ukungathotyelwa asikokulibala okungephi; sisiseko sokuvezwa okumandundu kuluntu nakwimithetho. Iinkqubo zovavanyo ezomeleleyo kunye namaxwebhu zezona zikhuselayo.
Ukusebenza kweCandelo lama-81 Ukuthotyelwa — Iingcebiso zeNkqubo
Ukuzinzisa ukuthotyelwa kweCandelo lama-81 kwimisebenzi, abaniki-nkonzo beentengo zemboleko kufuneka basebenzise ezi ndlela zilandelayo.
Chaza umgaqo-nkqubo wovavanyo olubhaliweyo. Bhala ukuba ngawaphi amanyathelo afunekayo kuhlobo ngalunye lwemveliso kunye nenqanaba lentengo yemboleko: loluphi uqinisekiso lwengeniso olufunekayo, zeziphi iingxelo (ii)bureau ezisetyenziswayo, ziqikelelwa njani iindleko, yintoni esebenzayo kwi-DTI okanye ingeniso enokulahlwa, kunye nendlela ukuqonda komthengi kulungiswa ngayo. Umgaqo-nkqubo kufuneka uvunywe kwinqanaba elifanelekileyo kwaye uhlale uhlaziywa.
Sebenzisa idatha ye-bureau njengomthombo wenyaniso kwizibophelelo ezikhoyo. Tsala iingxelo kwi-bureaux enye okanye ngaphezulu (Experian, Datanamix, TransUnion) kwisicelo ngasinye kwaye ukhuphe zonke ii-akhawunti ezisebenzayo kunye nezavenge kwifomathi ehleliweyo. Ukulungelelanisa nezibhengezo zabathengi kunye nokusombulula ukungangqinelani ngaphambi kokuba kuqukunjelwe ukufikeleleka.
Izibalo ezisemgangathweni. Sebenzisa ifomula engaguqukiyo yetyala-kwingeniso kunye nomvuzo olahlwayo ukuze amagalelo afanayo avelise iziphumo ezifanayo kungakhathaliseki ukuba ngubani owenza uvavanyo. Oku kuxhasa ubulungisa nokuphicothwa.
Rekhoda zonke izigqibo. Kwisicelo ngasinye, gcina ingxelo ye-bureau, ingeniso kunye neendleko ezifakiweyo, iziphumo zokubala, kunye nesibonelelo/isiphumo sokuhla ngesizathu esifutshane. Qinisekisa ukuba ingxelo ifakwe isitampu sexesha kwaye iyabalelwa. Oku konelisa zombini umkhondo wophicotho kunye ukugcinwa kweerekhodi okulindelweyo.
Jonga kwakhona kwaye uhlaziywe ngamaxesha athile. Njengoko i-NCR ikhupha isikhokelo okanye njengoko izigqibo zenkundla zicacisa “amanyathelo afanelekileyo,” hlaziya umgaqo-nkqubo kunye nabasebenzi bokuqeqesha. Ukuthobela asiyoprojekthi yexesha elinye; kufuna ingqalelo eqhubekayo.
Yakha inkqubo yeCandelo lama-81 eliKhuselekileyo
Uvavanyo lokufikeleleka kweCandelo lama-81 leNCA lilitye lembombo lesibophelelo se-NCA sesivumelwano sangaphambili. Ukudibana nayo kufuna ukuqonda okucacileyo kwesicatshulwa somthetho, ukuphunyezwa ngokucwangcisiweyo kweentsika zovavanyo ezintlanu, kunye namaxwebhu anokumelana nokuphicothwa kunye nomngeni. Abaniki-nkonzo zeentengo zemboleko abaphatha iCandelo lama-81 njengebhokisi yokukhatywayo baya kuhlala bebhentsisiwe; ezo zakha iinkqubo ezicwangcisiweyo, ezibhaliweyo, nezingatshintshiyo ziya kubekwa kakuhle ekukhuseleni izigqibo zazo kunye nokwanelisa i-NCR.
Incwadi yedemo ukubona ukuba uvavanyo olwenzelwe injongo kunye nezixhobo zokukhangela umkhondo zingakuxhasa njani ukuthotyelwa kweCandelo lama-81.