Bazophefumula abathengi baseNingizimu Afrika
WUSLINDILE KHANYILE
SEBEZOQALA baphefumule abathengi baseNingizimu Afrika ngemva kokuthi iBhange loMbuso lehlise imalimboleko ngo-25 basis points namhlanje kanti zikhona nezinkomba zokuthi isazophinde yehliswe.
Loku kusho ukuthi i-repo rate, inzalo iBhange loMbuso eliyikhokhisa amabhange, izokwehlela ku-8% kusasa bese kuthi i-prime rate, inzalo amabhange ayikhokhisa abathengi ibe wu-11.5%.
FUNDA NALAPHA: https://www.umbele.co.za/2022/08/29/yini-i-repo-rate/
Umphathi weBhange loMbuso uMnu uLesetja Kganyago uthe ikomiti elenza lesi sinqumo, iMonetary Policy Committee(iMPC) like lacabanga ukungayishintshi imalimboleko futhi libhunge nangokuyehlisa ngo-50 basis points.
“Ekugcineni iMPC ivumelene ngo-25 basis points yathi ukungaqinisi isandla kakhulu kuyahambisana nokulindelekile ngamanani ngomuso. Okulindelekile ngonyaka ozayo wukuthi imalimboleko ime ngaphezudlwana kuka-7%,” kusho yena.
Izolo iStatistics South Africa simemezele ukuthi amanani ezimpahla ehlele ku-4.4% ngo-Agasti esuka ku-4.6% ngoJulayi nokuyilona zinga eliphansi kakhulu eminyakeni emithathu. Lena yiyona ndawo iBhange loMbuso elasho ukuthi lizoqala likhululeke uma amanani esehlele kuyona njengoba lihlale liphokophele ukuthi abephakathi kuka-3% no-6%.
“Indlela esibona ngayo wukuthi lokhu kuzoqhubeka njengoba amanani silindele ukuthi abe ngaphansi kuka-4.5% kuze kube wu-2026. Ukuqina kwerandi nokwehla kwamanani kawoyela kuzolekelela,” kusho uKganyago.
Ezinye zezinto ezibanesandla ngokwenzeka emhlabeni kanti nakhona aqalile ukwehla amanani ezimpahla futhi amabhange ombuso ayehlisile imalimboleko njengoba elaseMelika liyehlise ngo-50 basis points izolo.
Ephawula ngasebekulindele emnothweni, uKganyago uthe babheke ukuthi izinto zibengcono ngesigamu sesibili sonyaka njengoba belindele ukuthi amakota womabili asele akhule ngo-0.6% emva kokuthi izinto zingenzekanga ngendlela abebecabanga ngayo ngesigamu sokuqala.
“Loku kutshengisa ukunyuka kwethemba, okunye okungenxa yokusimama kukagesi. Silindele nokuthi kuthengwe ngenxa ye-Two-pot retirement system, yize enye imali izoya ezikweletini nakwintela,” kusho uKganyago.
Isikhulu esiphezulu eFNB uMnu uHarry Kellan sithe bayasamukela isinqumo seBhange loMbuso njengoba sihambisana nokwenzeka emhlabeni.
“Nokho asilindele ukuthi kubeyisikhathi sokwehlisa kakhulu. Okulindeleke ngamanani ezimpahla kusengaphezu kwaloku iBhange loMbuso elikufisayo ukuthi abe okungenani ku-4.5% njengoba amanani ka-2024 elindeleke ukuthi abe okungenani ku-5%, yize kulindeleke ehle ngonyaka ozayo,” kusho yena.
Inhloko yophiko olubolekisa ngemali yokuthenga imizi iStandard Bank Home Services uNks uToni Anderson ithe ukwehla kwemalimboleko kuzosiza nabanikazi bezindlu njengoba kuzokwehla inzalo okuzokwandisa imali abantu abasala nayo.
Enza isibonelo, uthe umuntu owathenga indlu kaR1 million uzokonga uR208 ngenyanga noma uR2 500 ngonyaka njengoba imalimboleko isincishiswe ngo-25 basis points.
“I-Standard Bank silindele ukuthi yehliswe futhi kathathu imalimboleko, ngoNovemba nakabili ngesigamu sokuqala sango-2025, nokuzoholela ekongeni kakhulu. Uma konke loku kwehliswa kuholela ekuncipheni kwemalimboleko ngo-100 basis points, abanikazi bezindlu bangase bonge uR833 ngenyanga uma bathenga indlu ngoR1m,” kusho yena.
