Uhhafu wabaholayo usuke usuvalekile ngelanga lokuhola – umeluleki
YINTATHELI YOMBELE
CISHE uhhafu wabantu abaholayo usala nemali engaphansi kukaR1 000 noma ne-akhawunti engenamali uma sekusondele usuku lokuhola.
Loku shiwo yiStandard Bank, esicubungule imininingwane yabantu abangaphezu kwabawu-402 000 abahola ngezinsuku ezivamile: okuwumhlaka-15, umhlaka-25 nosuku lokugcina enyangeni. Ngosuku olwendulela usuku lokuhola, abawu-21% basuke sebesele noR1 000 noma ngaphansi kwawo, kuthi abawu-28% basuke sebengasele nalutho kwi-akhawunti noma sebephila nge-overdraft. Bawuhhafu abasuke besele nemali engaphezu kukaR1 000 kuma-akhawunti.
Inhloko ye-Personal & Private Banking eStandard Bank South Africa uMnu uKabelo Makeke ubalula ukuthi nakuba lolu lwazi lungadumaza kodwa luyizinkomba zezindlela ezingasetshenziswa ukuphatha imali kangcono.
“Lesi simo sikhomba inselelo eyandayo yokwenza ukuthi umholo uhambisane nempilo ephilwa wumuntu kulesi sikhathi sesiphithiphithi. Nokho sinika abantu ithuba lokuthi bathathe izinyathelo zokulungisa isimo sabo sezimali,” kusho yena.
Abantu abahola imali ephakathi nendawo bayisibalo samakhasimende asala nemali engaphansi kukaR1 000 noma avalekayo kepha namakhasimende anama-private banker nawo ayavaleka; njengoba ikhasimende elilodwa kwayishumi lisuke lingasenasenti ngosuku olungaphambi kolokuhola. UMakeke uthi loku kubhebhezelwa wukubakhona kwe-overdraft.
Uthi: “Amakhasimende amaningi anama-akhawunti amabhange ehlukene, okungadala ukuthi abantu badideke ngesimo sabo sezimali. Kungenzeka ukuthi umuntu ukhipha imai kwenye i-akhawunti ayifake kwenye uma sekusondele usuku lokuhola, okukhombisa ithuba lokuphatha imali kangconywana.”
Nokho uMakeke uthi uma amakhasimende engasali nalutho ngenxa yokuthi asebenzisa umthamo womholo phakathi nenyanga, okwenza angasali nalutho ukugada izindleko ezizumayo kusho ukuthi kumqoka ukuvala igebe phakathi kwempilo ephilwa wumuntu nomholo awuholayo.
“Inselelo yokwenza ukuthi umholo nempilo yomuntu kuhambisane ibonakala yanda uma kunyuka umholo, njengoba abantu abaningi bengena ogibeni lwamandla emali anciphayo,” kusho yena.
Nakuba abantu abahola imali eningi bejwayele ukubanemali eningi esalayo, ucwaningo lweStandard Bank luveze ukuthi nabo bayangena kulolu gibe, okuqwebula amehlo ngokuncipha kwamandla emali ngenxa yempilo yomuntu, isifo sokunyusa izinga lempilo umuntu ayiphilayo ngenxa yemali ayiholayo.
UMakeke uthi: “Uma kunyuka umholo, kulula ukungena ogibeni lokunyusa imali oyisebenzisayo, okungadala ukuthi umuntu abhajwe ezikweletini. Nokho loku kungaqedeka.”
UMakeke uthi abantu abenze ushintsho oluncane njalo njengokubheka imali abayisebenzisayo nokwenza isabelomali esihambisana nezinjongo ngekusasa. “Lezi zinyathelo zingenza ubenemali yokuthi umuntu akwazi ukubanemali yokugada izimo ezizumayo noma ukukhokha inzalo yezikweletu ezinkulu. Ukongela ukugada ingozi kusiza ukuthi umuntu angathembeli esikweletini, okwenza kubelula ukubhekana nezikhathi ezizumayo,” kweluleka uMakeke.
Lolu cwaningo lufakazela ubumqoka bokubheka ukuthi umuntu uyisebenzisa kanjani imali nyanga zonke ukuhambisana nempilo ayiphilayo.