Izindleko zempilo zishaya ngisho nabahola kangcono – iDebtBusters
YINTATHELI YOMBELE
UCWANINGO olusha olwenziwe yinkampani esiza abantu abanezikweletu iDebtBusters luthole ukuthi ukunyula imali yomhlalaphansi ebhodweni nokwehla kwemalimboleko kubasizile abantu kodwa ukukhuphuka kwezindleko ngenxa yezinkinga ezenzeka emhlabeni kubafake ezikweletini.
Lolu cwaningo oseluneminyaka eyishumi lwenziwa olubizwa ngeDebt Index luthole ukuthi isibalo sabantu abasebenzisa izinsiza zokulungisa izikweletu zobuchwepheshe ngenxa yokuthi abantu banengcindezi sinyuke ngo-23%.
Inhloko yeDebtBusters uMnu uBenay Sager ithe babone ukuthi izikweletu zisinda wonke umuntu ngoba nabantu abahola kakhulu bakhala ngezindleko zempilo ezikhula njalo.
“Amakhasimende afake izicelo zokululekwa ngezikweletu adinga umholo wawo u-64% ukuzikhokhela. Yize loku kushintshile njengoba ngo-2021 ebedinga u-73% kodwa asakhala.
“Ahola kakhulu, okungaba wuR50 000 ngenyanga, anezikweletu eziningi kakhulu njengoba izikweletu zabo ziwu-303% uma ziqhathaniswa nomholo wazo,” kusho uSager.
Uthe kusukela ngo-2021 imiholo yabantu abahola kakhulu ibihambisana nokukhula kwezindleko kodwa abahola kancane awukho umehluko abawubonile kusukela ngo-2016.
Uthe bakhathazekile ukuthi amakhasimende afaka izicelo zokululekwa ngezikweletu enza izikweletu ezinenzalo ephezulu njengoba awu-96% unama-personal loan kanti u-61% uthi uqeda ukuhola ube uyoboleka imali.
FUNDA NALAPHA: Abahola kancane basebenzisa u-92% ukukhokhela izikweletu – ucwaningo
Abantu abahola kancane ngenyanga izikweletu zabo ezinenzalo ephezulu zinyuke ngo-23% kwezaziyikona ngo-2021. Kwabahola uR50 000 nangaphezulu, uSager uthi lesi sibalo siwu-99% kwesasiyikona ngo-2021.
Loku kudlula amandla emali asenyuke afinyelela ku-27% nokunyuka kwamaholo anyuke ngo-6%, okukhombisa ukuthi abantu abahola kakhulu nabo babhekene nengcindezi yokunyuka kwezindleko.
Nakuba izikweletu zabantu abahola kakhulu zikhule ngo-42% kusukela ngo-2021 futhi zadlula amandla emali, ezabahola kancane zehle ngo-25% kodwa loku kwehla kwenziwa wukuthi abakwazi ukwenza ezinye izikweletu, hhayi ukuthi basesimweni esingcono sezimali.
U-Sager uthi bakhathazekile ngamakhasimende afaka izicelo zokululekwa ngezikweletu
“Sithole ukuthi izikweletu ezinenzalo ephezulu zinikwa isibalo esincane samakhasimende kanti zinyuke ngo-17,9% ngonyaka. Inzalo yezikweletu zezimoto inyuke ngo-13,6% ngonyaka, eyezikweletu zezindlu inyuke ngo-10,2%. Izikweletu zezindlu zehle ngo-30% ngekota yesithathu yango-2023 nango-20% ngekota yokuqala yalo nyaka, nokuyinto ebiyenziwa wukwehla kwemalimboleko ngekota yesithathu yango-2024 kuya kwikota yesine yango-2025,” kusho yena.
U-Sager uthe abahola kakhulu banezikweletu eziningi ezinenzalo ephezulu kodwa abanomholo ophakathi nendawo bacindezelwa yizikweletu zezimoto kakhulu.
Uthe abahola uR10 000 noR20 000 ngenyanga basebenzisa imali eningi ukukhokhela izikweletu, kuthi esalayo bethenga ngayo ukudla. Okwenza bangabinemali yokukhokhela umshwalense, eyokonga neyokugada izimo eziphuthumayo.
Kuvele ukuthi bonke abathengi basebenzisa u-10% wemali abasala nayo ukukhokhela izindleko zokuthutha noma ezokugibela, u-9% ukhokhela izindleko zikamasipala bese u-4% ukhokhela izindleko zamaselula.
Abantu abazalwe emva kwangonyaka wango-2000 bawu-9% wabantu abafake izicelo zokululekwa ngezikweletu.
U-Sager uthe okuhle wukuthi isibalo samakhasimende aphume ohlelweni lokululekwa ngezikweletu sinyuke ngo-14 million kwesasiyikona eminyakeni eyishumi edlule. Lama khasimende asekhokhe ngaphezu kwangoR560m wezikweletu.
Uphethe ngokuthi abantu abasha basebenzisa izinsiza zokukhokhela izikweletu zobuchwepheshe njengoba isibalo sesinyuke ngo-23%.