Izikweletu zixaka ngisho abahola uR50 000 ngenyanga – ucwaningo
YINTATHELI YOMBELE
IMPILO inzima kuwo wonke umuntu waseNingizimu. Lukhombisa loku ucwaningo olusha oluveza ukuthi abantu abahola uR50 000 ngenyanga badinga u-103% womholo wabo ukukhokhela izikweletu. Okusho ukuthi umholo wabo awanele ukuthi bakhokhe izikweletu zabo.
Loku kuvele ocwaningweni lwekota yesibili lwenkampani esiza abantu abacwile ezikweletini iDebtBusters olubizwa nge-Debt Index. Kulolu cwaningo kuvele ukuthi abahola uR50 000 ngenyanga noma uR600 000 ngonyaka izikweletu zabo zidlula umholo wabo ngo-307%. Banezikweletu ezingenasibambiso okukhona kuzona ama-credit card nokunye ezinyuke ngo-84% uma ziqhathaniswa nango-2021, zidlula amandla emali ngo-29%.
Kolunye uhlangothi abantu abahola kancane izikweletu zabo zehle ngo-23%, ngenxa yokuthi abakwazi ukuthola izikweletu, hhayi ukuthi isimo sabo sesingcono.
Kuvele ukuthi u-64% womholo wabo ukhokhela izikweletu, okwehle ngo-73% okwakuyiwona ngekota yokuqala yango-2021, nakuba lesi sibalo sisephezulu.
FUNDA NALAPHA: https://www.umbele.co.za/2026/06/02/izindleko-zempilo-zishaya-ngisho-nabahola-kangcono-idebtbusters/
Inhloko enkulu yeDebtBusters uMnu uBenay Sager ithi isibalo sabantu abathatha izikweletu ezingenasibambiso sinciphile. “Eminyakeni eyishumi edlule zandile izikweletu ezingenasibambiso kodwa zinikwa amakhasimende ambalwa, okwenza ukuthi kubeyisibalo esincane sabantu abanezikweletu ezinobungozi egameni labo,” kusho yena.
Uthe yize abahola kakhulu bekweleta kakhulu kodwa kwabanye isimo asikashintshi njengoba izindleko zabantu zanda. Ubalule ukuthi amanani kaphethroli asenyuke ngo-52% kusuka ngo-2021, akagesi asenyuke ngo-101% ngesikhathi esifanayo.
Kwabahola uR10 000 kuya ku-R20 000, okuyibona abaningi kakhulu esibalweni sabantu abasebenzayo, umholo wabo usebenza kakhulu ukuthenga ukudla, kusale inkeshezana okufanele yokukhokhela umshwalense, ukonga nokubhekana nezimo eziphuthumayo.
Uthe ukwanda kwezikweletu inyanga nenyanga kukhombisa ukuthi abantu abanamali. Lezi zikweletu yilezo abantu abazikhokha uma behola bese bephinde baboleke. U-Sager uthi ucwaningo lukhombisa ukuthi zinyuke ngo-63%.
U-Sager uthi abantu baxakwe yizikweletu
Ukukweleta ngapha nangapha nako kunyukile, njengoba uSager ethi kunyuke kakhulu uma kuqhathaniswa nango-2016 ngesikhathi beqala i-Debt Index. Ubalule ukuthi imalimboleko yehlile ngokwezinhlelo zeBhange lomBuso kanti manje inzalo yezikweletu ezingenasibambiso isiwu-19,6% ngonyaka. Izikweletu zezindlu zehle sizuka ku-30%, zaya ku-20% uma kuqhathaniswa nango-2023.
Uthe abantu abasaqala ukusebenza nasebezothatha umhlalaphansi abanezikweletu banokhwantalala lwezimali. Noma isimo sinzima kodwa uSager uthi abantu abaningi bayazikhokha izikweletu zabo.
“Ngekota yesibili yalo nyaka siphindwe kawu-14 isibalo samakhasimende afuna ukululekwa ngezikweletu uma sibheka isikhathi esifanayo sango-2016. Laba bantu bakhokha uR570 million kwababakweletayo uma sebelulekwa ngezikweletu. Lona wumphumela omuhle wezinhlelo zokululeka abantu ngesikweletu. Bayazisebenzisa nezinsiza zobuchwepheshe zokuhlela izikweletu abantu, ikakhulu intsha,” kuphetha yena.