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IINGXAKI ZEMEKO YOQOQOSHO
ULETTI akanayo imali ayongileyo kwaye akazange wayonga imali enkulu. Uyathemba ukuba usapho lwakowabo luya kumnceda xa kungavela eny' ingxaki efun' imali enkulu.
"Ndakwazi ukungcwaba iintombi zam ezimbini ngokuncedwa ngumfana owayencuma neyokuqala, ukanti eyesibini yangcwatywa nguyise."
Kaloku bekunzima ebantwini abaninzi kulo nyaka uphelayo ukuba nemali yokutheng' ukutya, eyokungcwaba izalamane, nkqu neyokukhwela uye emsebenzini.
Amakhulu amawaka abemi beli bayoyiswa kukuhlawula amatyala abo. Loo matyala ke aquka awamakhadi okuthenga ngetyala nawokuthenga ngetyala ezivenkileni, ukanti okona kubi ngakumbi kukuba abanako nokuhlawula imizi yabo. Oku kubangelwa kukukekela kwemeko yoqoqosho ehlabathini.
Umzi omnye kwemine ethengiswayo ithengiswa ngenxa yokunqongophala kwemali ngokutsho kukaJohn Loos wakwaFNB. Phakathi kulo nyaka bebebaninzi abanini bemizi kweli abashiyeke ngasemva ekuhlawuleni imizi yabo.
Phofu ke oku kungenzeka ukuba kusesisiqalo nje, imeko iseza kubambi nangakumbi kwixesha elizayo!
Le ngxaki ayichaphazeli abantu abangathathi-ntweni kuphela, koko ichaphazela nezinhanha ezizifumana zonganyelwe ngamatyala.
Xa ukukekela kwemeko yoqoqosho bekuhlasela ihlabathi, kwaza kwahlasela uMzantsi Afrika kwisiqingatha sesibini sonyaka ophelileyo, kuqale kwachana kakhulu abantu abanamatyala amaninzi. Baza bangabokuqala ukuphulukana nefenitshala, iimoto nemizi.
Uninzi lwaloo matyala bawenza ngaphambi kokusebenza komthetho weNational Credit Act owenza kwabanzima ukuba iinkampani zikwenzele ityala ngokungakhathali.
Iintsapho ezininzi azisakwazi ukuhlawula imali yesikolo, ukanti azisazikhathazi nangokufakwa kuluhlu lwabantu abahlawula kakubi amatyala. Phantse isiqingatha sabantu abakwaziyo ukuthenga ngetyala basecicini "lokungakwazi ukuthenga ngetyala" ngokutsho kukaPeter Setou ongumphathi weNational Credit Regulator (NCR). Oko kubangelwa kukuba baneenyanga ezintathu nangaphezulu bengawahlawuli amatyala abo. Kunjalonje elo nani linyuka phantse ngesigidi ngonyaka.
Njengoko abathengi abaninzi bezama ukuzikhupha kwiingxaki zemali abazifumana bekuzo, linyukile inani leminxeba yabantu abafuna uncedo njengokunyuka kwamaxabiso okutya, ukuphela kwemisebenzi nokunyuka kwenzala yemali-mboleko.
INational Credit Regulator elawula ukuthenga ngetyala eMzantsi Afrika inamawaka abantu abafuna uncedo lwayo ngokutsho kukaPeter Setou weNCR.
Zininzi nezibini ezifun' ukuncedwa zivuselele imitshato yazo etshabalaliswa ziingxaki zemali ngokutsho kukaLiz Dooley weFamily And Marriage Society Of SA (FAMSA).
Ngaphezulu koko, phantse bali-
100 000 abantu baseMzantsi Afrika abaneengxaki zokuhlawula amatyala nabacele iinkundla ukuba zicwangcise ngokutsha indlela abawahlawula ngayo.
Iibhanki ezinika abantu amatyala ayi-80% kweli zinesicwangciso esitsha sokuzama ukuthoba istresi sale ngxaki yoqoqosho kumacala omabini. Zithi zizimisele ukuthetha nabaxumi bazo abanengxaki yokuhlawula amatyala abo.
Zizimisele ukunika abaxumi bazo "ikhefu" lokungahlawuli amatyala abo - okanye zandise ixesha lokuhlawulwa kwetyala. Phofu ke oko kuya kulinyusa nangakumbi ityala labo.
Ingxaki yokukekela kwemeko yoqoqosho ayiphelelanga nje ekwenzeni iintsapho ziphulukane namakhaya azo, koko itshintshe nendlela esiphila ngayo eMzantsi Afrika.
Abantu bazama ukugcina imizi yabo nokugxotha abagqogqi bamatyala ngokunciphisa imali abayichitha kwiimpahla zokunxiba, ekutyeni nakulonwabo.
Ngo-Aprili walo nyaka, inani leempahla ezithengiweyo kweli lihle kakhulu - linjalonje liyaqhubeka nokuhla kuba abantu abasathengi kakhulu.
Ukukekela kwemeko yoqoqosho kutyhafisa nabasebenzi beli. Abasebenzi abakhuthali xa bengenayo imali, kwaye oko kudodobalisa uphuhliso loqoqosho lwelizwe, itsho ingcali yoqoqosho yakwaLiberty Life, uMantshimuli.
Amaxesha amnandi esasiwonwabela kungenzeka angabuyi. UMphathiswa woCwangciso weli, uTrevor Manuel, kunyanzeleke ukuba angacwangciseli iminyaka emithathu, koko acwangcisele iminyak' emihlanu yokuba uMzantsi Afrika ubuyele kwimeko yawo yaye uqhubele phambili.
UTshediso Matona ongumlawuli weSebe loRhwebo neMizi-Mveliso umemelele abasebenzi abadendiweyo ukuba badibane bavule imizi-mveliso evaliweyo.
Kodwa uJohn Loos uthi imeko yoqoqosho ngoku ibhetele kunonyaka ophelileyo.
Abantu abenza loo mahluko isenokuba nguwe, usapho lwakho okanye abahlobo owawufunda nabo. Abo bantu ke lulutsha oluNtsundu olufumene imisebenzi enemivuzo emihle noluzimisele ukuqhubeka nokuziphucula.
AbaNtsundu bayi-57% kubatyali-zimali bakwaFNB, ngokutsho kwentloko yelo candelo, uRobert Keip. Elo nani libaphinda kabini abamhlophe abayi-28%.
Abatyali-zimali abantsundu abaselula (abaneminyaka ephakathi kwama-24 nama34) bafunde ngaphezulu kwabelungu. Baseza kwanda ngokutsho kophando lweCapitec Bank oluthi uninzi lolutsha oluneminyaka eli-17 ukuya kweli-23 lunephupha lokwamkela ngaphezulu kwe-R10 000 ngenyanga xa luneminyaka engama-30.
Ngaphezulu kwesiqingatha salo luthi ukuzinza kwalo ngokwasemalini kubalulekile kulonwabo lwabo lweminyaka ezayo kunokutshata nokuba nabantwana.
Kunokwenzeka ke ukuba kumnyama kangaka nje kungenxa yokuba sekuza kusa. Ngoko ke linda ukusa ngomthandazo okanye ngokwenza into eya kukunceda kobu bumnyama bokukekela kwemeko yoqoqosho. Kaloku watsho noTrevor Manuel kuhlahlo-lwabiwo-mali lwakhe lokugqibela ngoFebruwari kulo nyaka ukuba: "Liduduma lidlule." [x]
Umbhali: Patricia McCracken
Xa ufuna uncedo lwebhanki ngamatyala, fowunela:
ABSA Customer Debt Repair Line, 0860-356-356;
FNB Debt Review Centre,
0860-362-002;
National Credit Regulator Help Line, 0860-627-627;
Nedbank Debt Rehabilitation
And Recoveries Services,
0860-109-279;
Standard Bank Debt Review Division, 011-641-6281.
Ezinye iingcombolo: Banking Association of SA; Moneyweb; Beat The Crunch! by Charl Ten Oever
(Two Dogs); The Credit Crunch by Graham Turner (Jacana); www.iol.co.za; www.statssa.gov.za
UPHANDO LWEBONA
Abantu bazama zonke iindlela zokunci-phisa iindleko
ESIKUTSHOYO XA SISOYISWA KUKUHLAWULA AMATYALA
"Kuxabanise usapho."
"Ndayek' ukuphangela ndingawagqibanga amatyala am, ngoku inzala yawo iyanyuka."
"Andikwazi ukuhlawula amatyala am kuba andiphangeli."
"Umama usithengela ukutya ukuze mna ndihlawule amatyala am."
"Sixelela iindawo esinamatyala kuzo ukuba siya kuhlawula sakuqeshwa."
"Ityala lethu lakwaJet silihlawulelwa ngabazali bethu."
"Zonk' inyanga kuba ngathi kungoJanuwari."
"Umatshonisa usoloko efun' imali yakhe inenzala kwaye loo mali yenzala yeyona ubufanele uphucule ngayo ubomi bakho - ngoko umisa inkqubela yakho."
