Intsha inomasingcwabisane womndeni futhi ithenga imizi ebizayo – ucwaningo
WUBONISWA MOHALE
UMA kukhulunywa ngentsha, abantu abaningi baye bacabange abantu abangenandaba nalutho futhi abakhangeza kubazali. Nokho ucwaningo olwenziwe yiStandard Bank lukhombisa ukuthi intsha iyondla emakubo nezihlobo zayo.
Kulolu cwaningo olwenziwe kubantu abasha abangaphezu kuka-3 million abaneneminyaka ephakathi kwewu-18 kuya kwewu-35 kuvela ukuthi inomasingcwabisane abasiza imindeni nezihlobo.
Inhloko yophiko lwe-Insurance and Fiduciary eStandard Bank uMnu uShaka Zwane ithi ucwaningo lwabo luthole ukuthi u-26% wabantu abanomasingcwabisane baneminyaka engaphansi kwewu-35 kanti wu-16% kuphela one-life cover.
“Sithole ukuthi abantu abasha abaneminyaka engaphansi kwewu-35 banomasingcwabisane futhi bafake abantu abasuka kwababili kuya phezulu. Abanye banomasingcwabisane abathathu kanti bakhokha uR369 njalo ngenyanga komasingcwabisane babo.
“Sithole ukuthi u-53% wezicelo zokukhokhelwa uma sekushone umuntu zisuke zizongcwaba izihlobo, okubalwa omalume, omamkhulu nezinye izihlobo. Wu-25% kuphela wezicelo zemali yokungcwaba obudingelwa ukungcwaba abazali,” kusho yena.
Kule mali u-3% kuphela womasingcwabisane babantu abaneminyaka engaphansi kwewu-35 obuzongcwaba abayeni noma amakhosikazi awo.
Abantu abaningi abanomasingcwabisane baKwaZulu-Natal naseGauteng.
Intsha yesifazane iyona enomasingcwabisane abaningi uma kuqhathaniswa neyesilisa futhi ivamise ukufaka abantu abayisishiyagalombili kuya phezulu njengoba isiza imindeni yayo nezihlobo.
UZwane uthi loku kukhombisa intsha ephila manje inezinselelo ezihlukile kwentsha yango-1976.
Mayelana nokuthi yini iStandard Bank esiyenzayo ukuqinisekisa ukuthi abantu abagxili kuphela kumasingcwabisane kodwa bayabaneminye imishwalense ezovikela izimpahla yabo nemindeni uma sebengasekho, uthe basebenzisana nenkampani yabo yomshwalense iLiberty ukuqinisekisa ukuthi abantu bayafundiswa ngezinhlobo ezihlukene zomshwalense.
Uthi intsha esebenzayo isiqala ukungena esigabeni sabantu abahola kangcono, okusho ukuthi bathenga izindlu nezimoto.
Ubalule ukuthi abanye abantu bafa bengenayo incwadi yefa kanti imikhiqizo yaleli bhange isihambisana nokwenza incwadi yefa mahhala neminye imishwalense.
“Kweminye imikhiqizo yethu sesikwenza impoqo ukuthi umuntu abe ne-life cover ngoba ibalulekile, kwazise yiyona esiza umndeni uma umuntu esefile. Sizoqhubeka nezinhlelo zokufundisa abantu ngezinhlobo ezihlukene zomshwalense ngoba abanye kusuke kuyibona abaqalayo ukusebenza kahle emindenini yabo,” kusho uZwane.
Kuvela ukuthi bonke abantu abasha basebenzisa u-54% wamaholo abo ukufeza izidingo bese kuthi u-46% wenze loko okungaphuthumi noma okokuzijabulisa.
Uma kukhulunywa ngezidingo kukhulunywa ngokudla, ezokuthutha, izimpahla zokugqoka nokunye. Okokuzijabulisa kukhulunywa ngokuzikhipha, ukuthenga izimpahla ezibizayo ezinamagama adumile nokunye.
Imenenja ye-Solution Owner of Digital Money eStandard Bank uNks uShené Mothilal ithi babuye bababhekisisa intsha ukuthi yenzani ngemali. Bathola ukuthi eneminyaka ewu-18 kuya ku-24 no-25 iyathanda ukukhipha imali iwukheshi futhi ithanda nokugqoka izimpahla zamalebuli abizayo.
Intsha eneminyaka ewu-26 kuya kwewu-29 ithanda izimpahla ezibizayo kodwa loko isuke ikwenzela ukubukeka kahle emsebenzini eyenzayo.
Eneminyaka ewu-30 kuya kwewu-35 ayizithandi izimpahla ezibizayo kodwa igxile ekutshaleni imali nasekuthengeni umshwalense. Uthi loku kwenziwa wukuthi enye isuke isiqala ukubanezingane nokuthenga izinto ezinkulu njengemizi nokunye okudinga umshwalense.
Inhloko yoPhiko lwama-Credit Card eStandard Bank uMnu uTumelo Ramugondo ithi u-36% wentsha uhola uR5 000 ngenyanga, u-43% uhole imali ecela kuR10 000, kuthi u-79% uhole uR10 000 nangaphansi.
Kwi-credit card intsha ivamise ukuthola eyivumela ukusebenzisa imali ecela kuR20 000 kodwa ihambisana nomholo womuntu.
Uthe abantu abaneminyaka ewu-18 kuya kwewu-24 basebenzisa i-credit card futhi bayikhokhela kathathu ngenyanga. Loku bakwenzela ukungakhokhi inzalo ephezulu nokuthola imihlomulo ehambisana ne-credit card.
Uthi intsha ivamise ukuthenga ukudla, ikhokhele izimoto ezikhokhisa ngebanga ezilihambayo njengo-Uber nezinye.
Inhloko ye-Youth and Mass Market Segment eStandard Bank uNks uTshiamo Molanda ithi intsha ithenga nemizi futhi uma isihola kahle ikwazi nokuthenga imizi yoR1.2 million.
U-74% wayo usebenzisa izinhlelo ezenzelwe abantu abaqala ukuthenga imizi, okukhona kuzona ezikahulumeni nezebhange.
“Esikubonayo wukuthi abantu abasha bayaqunga uma bethenga imizi njengoba befuna esemadolobheni futhi ebizayo. Benza loku ngoba benethemba lokuthi imiholo yabo izonyuka. Sikubona loku kubantu abaneminyaka ewu-30 kuya kwewu-35,” kusho yena.
Okunye okuvelile wukuthi u-27% wentsha uthenga izimoto ezintsha kuthi u-74% uthenge ezingamasekeni.
Izimoto ezithengwa kakhulu ngabantu abasha abakulolu cwaningo ngezakwa-VW, Toyota neSuzuku.
UMnu uMothusi Dire oyiNhloko ye-vaf automotive retail and internal channels eStandard Bank uthe okunye wukuthi abantu abasha abagcini ngokubheka izimoto ezaziwayo kodwa bayazibheka nezintsha, okubalwa i-cherry nezinye.