Izithandani azingenqeni ukuxoxa ngemali – abeluleki
IMINDENI eminingi eNingizimu Afrika ayikwazi ukonga. Loku kubonakala uma ivelelwe yizimo eziphuthumayo. Ukonga kubanzima ngenxa yokunyuka kwanani okudla, uphethroli nogesi.
Abeluleki bathi izimo ezingahlelekile njengokuqhuma kwe-geyser nezindleko zikadokotela zingafaka umndeni ezikweletini.
Ukungabibikho kwemali kusho ukuthi imindeni eminingi isebenzisa ama-credit card, ama-personal loan nama-akhawunti asezitolo ukuphila. Igcina isikhokha inzalo enkulu eyenza isale ingenamali.
Inhloko ye-Private Banking eFNB KwaZulu-Natali uNks uYashika Rambujan ithi imindeni ingagwema ukungena ezikweletini uma izokwazi ukuxoxa ngesimo sayo sezimali.
“Imindeni kufanele yenze isabelomali ukuze iqonde ukuthi imali yayo isebenza kanjani. Kukhulunywe ngokuthi umuntu ngamunye uhola malini, unaziphi izikweletu, yini emkhathazayo nafuna ukuyenza,” kusho yena.
Uthi lezi zingxoxo azenzeki ngenxa yokuthi abantu abaningi bakhulele emakhaya lapho kungakhulunywa khona ngezimali noma banokuzenyeza futhi bavele basabe uma kukhulunywa ngezikweletu.
“Kulula ukuthi uma abantu bethandana oyedwa athwale umthwalo wokwenza zonke izidingo zasendlini, omunye ebe engakhulumi ngezimali. Othwele izindleko ubanokudideka nokungathembi omunye ikakhulu uma kwenzeke inhlekelele ngenxa yokuthi alukho uhlelo olucacile lwezimali,” kusho uNks uRambujan.
FUNDA NALAPHA: https://www.umbele.co.za/2025/08/05/ukonga-akusikona-okwezicebi-kuphela-umeluleki-wezimali/
Ululeke izithandani ukuthi zizinike isikhathi noma wusuku olulodwa enyangeni lokuxoxa ngezimali, zibone ukuthi isabelomali sazo sisahambisana nezidingo zazo, zizokonga kanjani nokuthi zisebenzisa malini noma zenzanjani uma kunezimo eziphuthumayo.
Inhloko ye-Business Development eFNB Cash Retail Investments uNksz u-Ilse Smuts ithi izimo eziphuthumayo zingafaka imindeni ezikweletini.
“Ucwaningo lweFNB lokongela impesheni luthole ukuthi bangaphezu kuka-75% abantu abanemali yezinyanga ezingaphansi kweziyisithupha engabasiza uma kunezimo eziphuthumayo, u-15% uthi awongi lutho oluzoyisiza uma lunezinkinga. Uyaphoqeleka ukwenza izikweletu uma kuvela isimo obungasilindele,” kusho yena.
Uthi ukongela izimo eziphuthumayo kubalulekile ngisho umndeni ungonga uR200 noma uR500 njalo ngenyanga. Le mali yenza umehluko ngoba uma yongiwa njalo iyakhula, isize uma kunesimo esiphuthumayo.
Uphakamise ukuthi imali yezimo eziphuthumayo kufanele ibe kwi-akhawunti okungelula ukukhipha imali kuyo njalo. Wenze isibonelo ngeFNB Savings Pocket engahambisana ne-transactional account.
Uma izithandani sezongele izimo eziphuthumayo kufanele ziqale zongele imfundo yezingane, ukuthenga imoto noma umhlalaphansi. Kubalulekile ukuqonda izigaba zempilo.
“Kubalulekile ukuthi ukonga kwezithandani kuhambisane nesigaba sempilo ezisuke zikuyona. Izithandani ezongela ukuya eholidini ngoDisemba akufanele zigcine leyo mali kwi-akhawunti yokongela iminyaka emihlanu. Uma wongela isikhathi eside kufanele ukhethe i-akhawunti esebenza kakhulu ukuze uthole inzalo ebhekile. Abantu abaningi abakuqondi loku, bagcina sebonga imali kuma-akhawunti esikhathi eside kodwa beloku beyikhipha uma ingakavuthwa,” uNksz uSmuts.
UNks uRambujan uthi izithandani ezenza izinhlelo ezinhle zezimali zizenza ndawonye. Izithandani ezixoxa ngemali ziyakwazi ukuziphatha kahle ngezikweletu, zongele isikhathi eside.
“Ukonga akukona nje ukuvikela imali kodwa kusho ukuthi ugwema izinkinga nokhwantalala olungakhona phakathi kwakho nesithandwa sakho. Izimo eziphuthumayo zibanga ukhwantalala uma ungenayo imali ngoba usuke ukhathazekile ukuthi uzozikhokhela ngani. Ukuhleleka okuncane nokuthembana ngemali kuyasiza,” kuphetha yena.