Abantu besifazane bayabadlula abesilisa ngegama lokuboleka – izibalo
YINTATHELI YOMBELE
ABANTU besifazane bathuthuka kakhulu uma kukhulunywa ngokubanezimpahla. Izibalo ezisanda kushicilelwa zaseStandard Bank zikhombisa ukuthi bathenga kakhulu imizi nezimoto. Manje olunye ulwazi lobuchwepheshe iCredit Score lukhombisa ukuthi loku kuthuthuka kuncike egameni labo lokuthatha isikweletu.
Nakuba le app yaseStandard Bank inabantu besifazane abaningi kodwa ngamadoda ayifaka kakhulu ezingcingweni nakumakhompyutha awo futhi navame ukuyisebenzisa.
Imenenja ye-Solution Owner of Digital Money eStandard Bank uNks Shené Mothilal ithi: “Le app yeCredit Score iyaqhubeka nokudlondlobala ngokufakwa nokuvama ukusetshenziswa kodwa ikakhulu ngabantu besilisa. Into emangalisayo wukuthi nakuba bebancane abantu besifazane abayifakayo kodwa bayabadlula abantu besilisa ngokwegama lokuthatha isikweletu.”
Izibalo zeStandard Bank ziveza ukuthi kungani abantu besifazane bevame ukubanerekhodi elihle lesikweletu. Nakuba abantu besifazane bethenga izimpahla ezinjengemizi nezimoto uma kuqhathaniswa naseminyakeni eyishumi edlule, kodwa abavamile ukwenza izinto ngesikweletu kunamadoda.
Abantu besifazane abalinganiselwa kwabawu-70% abathenga imizi bathenga engaphansi kukaR1.5 million kanti ngo-2025 inani elijwayelekile lomuzi umuntu wesifazane afaka isicelo sokuwuthenga beliwuR1.3, okuyinani elingaphansi kwangoR1.7m wamakhasimende esilisa.
Uma kukhulunywa eyokuthenga izimoto, imvamisa ukuthenga kwabantu besifazane kungaphansi futhi bekungaphansi ngo-6.5% kunokwamadoda.
Loku kuqhubekile nasekuthatheni izikweletu ezingavikelekile, lapho isikweletu esisele sabantu besifazane besingaphansi ngo-8.45% kunesamakhasimende amadoda.
Nokho bambalwa abantu besifazane ababheka irekhodi labo lezikweletu. Nakuba bezilawula kahle izikweletu zabo kodwa bancane abazibhekisisayo. Bawu-42% kuphela abafake ubuchwepheshe beCredit Score, nakuba bebaningi abantu besifazane ababusebenzisayo. Loku kusho ukuthi abantu besifazane babheka irekhodi labo lokukweleta ngaphansi kunamadoda, okwenza ukuthi baphuthelwe wulwazi olungabasiza ukuphucula isimo sabo sezimali.
Kubona bobili ubulili irekhodi lokukweleta livame ukuphucuka ngokukhula, njengoba elamakhasimende aneminyaka eko-20 livame ukubaphansi. “Loku kukhombisa ukuthi uma esemancane amakhasimende asuke engakabinolwazi olugcwele lokubheka izikweletu zawo futhi engakabinomlando otheni wokubanesikweletu.
“Ngokukhula sibona ukwanda kolwazi lwezimali nokuphatha izikweletu kangcono. Okunye esikubonile wukuthi amakhasimende ahola imali enkulu avama ukubanerekhodi elihle lesikweletu,” kusho uNks uMothilal.
Wengeze ngokuthi loku kungabayinkomba yokuthi abantu abahola kakhulu bavame ukungathembeli esikweletini ngezindleko zansuku zonke kanti basisebenzisa ngobuhlakani ukwakha umcebo. Nokho okuqaphelekayo wukuthi amakhasimende ahola phakathi kwangoR10 000 noR20 000 ngenyanga avama ukubanerekhodi eliphansi lokukweleta, cishe ngenxa yokuthembela kakhulu ezikweletini ukufeza izidingo zansuku zonke.
I-Credit Score yaseStandard Bank ayizona nje izibalo kuphela kodwa ihlinzeka ngamasu ukuthi umuntu aziphucule. Okunye ekwenzayo wukuthi amakhasimende akwazi ukulandela irekhodi lawo ngale kokuthi aze azibheke kwi-credit bureau, into engehlisa izinga lawo lerekhodi lokukweleta uma kuvama ukwenziwa.
I-Credit Score yaseStandard Bank ikunika amasu aqondene nawe nokuzibheka ukuthi uqhuba kanjani ngale kokuthinta irekhodi lakho. “Into enhle wukuthi isiza amakhasimende ukuphucula irekhodi lawo, yenze kubelula ukuthi athole isikweletu sokuthenga izinto izinto ezinkulu,” kusho uNks uMothilal.
Njengoba kwanda ukuthenga izimpahla, ukuvama ukubheka irekhodi lesikweletu kungasiza abantu besifazane abaningi ukuthi bakhokhe kancane futhi bathole amathuba angcono.