Uma ukhokhela imoto, indlu kanye nezinye izikweletu wase ufika lapho ubona khona ukuthi awusakwazi ukuzimela, awukwazi ukuvele wenze sengathi konke kulungile ngisho kungenjalo. Zikhona izinhlelo okwazi ukungena kuzo ukuthola ukuphefumula ezikweletini zakho.
Edumile kuyaye kube uhlelo lokubuyekezwa kwezikweletu (Debt Review). Loluhlelo kubalulekile ukwazi ukuthi uma usungene kulo, into ethi sikweletu awukwazi ukuyenza kuze kuphele zonke izikweletu ozikkhokkhelayo ngaloluhlelo.
Okunzima kwenzeka uma uba nesimo esiphuthumayo esifana nalapho udinga ukulungisa isimo semoto elungiswayo esimweni ebesingalindelekile. Ngokujwayelekile umuntu uya ebhange enze isikweletu esisheshayo (loan) enze lokhu okufanele bese esikhokhela ngokushesha isikweletu. Lowo oku Debt Review ngisho isimo siphuthuma kangakanani, umthetho wezikweletu eNingizimu Afrika (NCA – National Credit Act) awumvumeli ukuthi athole isikweletu.
Lokhu kucace kabanzi kumnini wemoto eyathengwa nge Residual Finance. Kuthe kusaphakathi kwesikweletu wangena kuhlelo lwe Debt Review kodwa waqhubeka ukukhokhela imoto. Kuthe lapho isifika enyangeni yokugcina, kwadingeka ukuthi akhokhe I Balloon Payment. Lemali uma sekufika ekupheleni kwenkontileka yesikweletu, ungayikhokha ibe yisigaxa uma ukade ulondoloza imali. Kokunye uyakwazi ukuyikhokhela nyangazonke njengesikweletu. Kulokhu kwesibili kusho ukuthi kumele kufakwe isicelo esisha sokuvulelwa isikweletu semali ye Balloon. Inkinga iqale lapho ibhange lithola kuhlu lwezikweletu ukuthi lowo ofuna isikweletu sokukhokha i-Balloon ungaphansi kohlelo lwe Debt Review. Ibhange libe seliyavaleleka ukuthi limunike isikweletu. Ibhange elikade limthengele imoto lona libe lifuna ukuthi ikhokhelwe lemali ye balloon kungakapheli inyanga kusukela eqeda ukukhokhela isikweletu sokuqala. Ngoba inkontileka yesikweletu sokuqala isuke isiphelile, ibhange libe selithatha imoto liyidayise ukuze likwazi ukuthola lemali ebisasele (Balloon).
Kulowo osuke engene kwi Debt Review, ngisho umholo wakhe unganyuka kangakanani, abe sesimweni esihle ngkwezimali, uma engakaphumi kuloluhlelo akakwazi ukuthola isikweletu ngisho kuthiwa unosizo oluphuma kumqashi (car allowance). Kubalulekile ukuthi umuntu othenge imoto nge Residual Finance, uma engena kuhlelo lwe Debt Review, aqale onge imali ukuze kuthi uma esefika esikhathini sokuqedwa kwesikweletu sokuqala, avele akhiphe isamba semali ayikhokhele ayiqede I-Balloon abe ezeba umnini wemoto yakhe ngokugcwele lapho esethola khona i-logbook. Uma engakwenzi lokho, angazithola edayisa imoto ayithandayo engalindele.