Abathengisi be-Timeshare bahlawulwa ngokubanzi ikhomishini malunga nokuba bathengisa kangakanani. Sukuwela kwezi mfihlo zili-10 ezibanceda ukuba banyuse umvuzo wabo ngeendleko zakho:
1. Kutshiphu kakhulu ukuqesha ishere yexesha kunokuthenga esinye: Akusekho mfuneko yokuba ube ngumnini weshare ukuze uhlale kwindawo ekuchithelwa kuzo iiholide. Unokuzibhukisha kwiindawo zokubhukisha rhoqo ezifana ne-Booking.com. Enyanisweni ukurenta iyunithi ye-timeshare kunokukubiza ngaphantsi komrhumo wonyaka ukuba ubunayo. Ngokuqinisekileyo indleko yokuqesha iyunithi ye-timeshare ayibizi ngaphezu kwehotele eqhelekileyo okanye indawo yeeholide. Kwaye awuyi kuba nayo yonke imiqobo, izibophelelo kunye neendleko zokuba ngumnini wexesha.
2. Ukungagqibeki kwimali-mboleko ye-timeshare kunokukhokelela ekutshoneni: Iimali-mboleko ezikwindawo yeebhanki ezinkulu kunye nababoneleli ngetyala bakwenza kube lula ukuhlawula enye okanye yonke into oyithengileyo. Kodwa ngaphandle kokulula ekunikezelweni kwemboleko-mali, iyabophelela njengaso nasiphi na isivumelwano sezemali esikhutshwe e-UK. I-APR iphezulu kakhulu kunemali-mboleko "ekhuselweyo" njengoko ixabiso le-timeshare yentengiso alihoywa. Imirhumo yesondlo nayo iyabophelela. Ukungahlawuli naziphi na iindleko kunokukhokelela kwisenzo kwiinkundla zase-UK kwaye ekugqibeleni kuchaphazele amanqaku akho etyala kunye nokukwazi ukufumana ezinye iimali-mboleko kwixesha elizayo.
3. Abathengisi bexesha elimiselweyo basebenzisa igama elithi 'utyalo-mali': I-Timeshare AYILULO utyalo-mali. Phantse yonke ipeni oyihlawulayo ukuze ujoyine, kwaye kwiindleko zokusebenza ziphelile ngonaphakade. Kudala-dala i-timeshare yaboniswa njengotyalo-mali ngokungathi unenxalenye yepropati. Enyanisweni lonke ilungu lalithengile 'ilungelo lokuhlala ngokujikeleza'. Oku bekungekho xabiso lithengisiweyo kwakhona. Abantu abathengisa i-timeshare bayakuzama ukukuphembelela ngokungaziqondi ngamagama afana 'notyalo-mali olusemgangathweni wobomi' okanye utyalo-mali kwixesha lakho leholide yosapho.' Akukho nanye kwezi ethwala naliphi na ixabiso lemali ngelishwa.
4. Ukuthenga i-timeshare kuza nemingcipheko efihlakeleyo: Uninzi lwezivumelwano zexeshana ziza nesibophelelo sezemali kumthengi ukuba alungise, okanye aphinde akhe indlu yakhe xa konakele. Okufanayo kuya kumlinganiselo wazo naziphi na izinto eziluncedo ekwabelwana ngazo. Ngokuqhelekileyo kukho i-inshurensi efakiwe kumrhumo wonyaka, kodwa kukho iintlekele ezingahlawulwanga yi-inshurensi ye-resort. Iintlekele zinqabile ngethamsanqa, kodwa 'iirhafu ezikhethekileyo' zokuphucula amaziko zixhaphake kakhulu.
5. Umhlawuli werhafu akayivumi ilahleko yakho enkulu: Ngokungafaniyo ne-real estate, awukwazi ukuchaza ilahleko ngokuchasene nexabiso lakho lexabiso le-asethi lilonke. I-Timeshare ayisiyiyo i-real estate, kungakhathaliseki ukuba umthengisi wakho unokuzama ukuhlawula ntoni, kwaye ixabiso lokuthengisa kwakhona ngu-zero. Phantse yonke ipeni oyihlawulayo ukuze ujoyine ziindleko zentengiso. Akukho thuba nokuba wenze inzuzo, kwaye lincinci ithuba lokunqanda ilahleko epheleleyo yemali oyikhuphayo. Kumntu werhafu, uhlawule ngaphezulu kweeholide ezithile kwangaphambili.
6. Ngexesha lothelekiso lwemali, iindleko zenqwelomoya nezohambo zilityalwa ngokulula: Umthengisi wakho uya kuhlala ekubonisa 'ingqiqo yezemali', apho iindleko zeholide zakho ziboniswa zitshiphu kakhulu ngobulungu bexeshana. Iindleko zeeholide zakho zizonke zibhalwa kwikholamu enye kwaye zilinganiswe nentlawulo yesondlo kwikholamu yesibini. Ukuba 'uyalibala' ukongeza iindleko zokuhamba ngenqwelomoya kunye nezinye iindleko zokuhamba kwikholamu yexesha, qiniseka ukuba uziqwalasele kuwe ezi zinto phambi kokuba uvavanye isivumelwano.
7). UNGAZE uthenge i-timeshare usebenzisa imali-mboleko elungiselelwe ngumphuhlisi: Iibhanki aziyi kukunika imali-mboleko esekelwe kwipropathi, kodwa kukho abanye ababoneleli-mali abasebenza ngokusondeleyo neenkampani ze-timeshare ukuze zinike isixa-mali kwi-sub-prime, imali-mboleko engakhuselekanga. I-Timeshare ayifanelanga konke konke ukusukela oko uyithengayo. Oku kuthetha ukuba ukwenza imali-mboleko ingaphantsi komngcipheko, umboneleli kufuneka enze inzala ibe phezulu. I-intanethi izele ngamabali amasikizi eBrits abhalisele imali mboleko ye-timeshare, eneziphumo ezitshintsha ubomi. Ukuba awukwazi ukuhlawula imali, ungathengi konke konke.
8. Awunako ukubuyisela ixesha lakho: Ngenxa yobude bexesha elide lezivumelwano zamaxesha, iimfuno zeholide zabantu ziyatshintsha ngokuhamba kwexesha. Abanini abaninzi bacinga ukuba ngenxa yokuba kufuneka bahlawule imali eninzi yokujoyina, kwaye ngenxa yokuba iifizi zonyaka zibiza kakhulu, ukuba ukuba bayeka ukuhlawula baya kulahlekelwa ubulungu babo. Ngelishwa akunjalo. Iinkampani ze-Timeshare azikhathali, xa zizonke, ukuba usafuna imveliso yazo. Badinga imirhumo yakho yonyaka kwaye baya kunyanzelisa ikhontrakthi yokwenza ukuba ubahlawule, nokuba usebenzisa ubulungu okanye awusebenzisi
9. Umthengisi uya kukubonisa elona gumbi lilungileyo: Igumbi lakho lisenokuba kumgangatho owahlukileyo, libe neendawo ezahlukeneyo zokufakela izinto kunye nembonakalo embi kunaleyo uyibonisileyo. Zilungiselele ukuthengiswa enye into engeyiyo le uyibonileyo, kwaye ufune ukuba ubone iyunithi ozibophelele kuyo phambi kokuba ubhalise. Okanye ukuba uyibonile, qiniseka ukuba unekhontrakthi ukuze ufumane le uyithengisiweyo.
10. Ukuba uthenge eSpain, ngomhla okanye emva kwe-5 kaJanuwari 1999, kukho ithuba elihle lokuba ikhontrakthi yakho ayikho semthethweni: Ngelixa oku kunokubangela ukuba abanye abanini banexhala lokuba imali yabo ebiza imali eninzi isenokuba ngezizathu zomthetho ezixengayo, kwabanye abazisolayo ngokujoyina i-timeshare ezi ziindaba ezimnandi. Ukuba ikhontrakthi yakho ayikho semthethweni, usenokungakwazi ukubaleka nje kuphela kwisibophelelo, kodwa ukwafuna imbuyekezo ebalulekileyo kwindawo yakho ekuchithelwa kuyo iiholide
U-Andrew Cooper, i-CEO ye-European Consumer Claims ugqabaza: “Njengeembono ezininzi ezakhayo, i-timeshare yaqala ngeenjongo ezintle ngoo-1960. Ngelishwa uninzi lwabalinganiswa abancinci kunabo babandakanyekayo ukusukela ngoko kwaye oku kuthetha ukuba isivumelwano siye saba mandundu ngakumbi kubanini bexesha. Ukuba i-timeshare yinto ogqibe ukuyithenga, nceda ungene uvule amehlo."
