Bayanda abaphephela ekuhlanganiseni izikweletu – umeluleki
INTATHELI YOMBELE
INGCINDEZI yezindleko zokuphila iqhubeka nokuklinya abathengi baseNingizimu Afrika, njengoba amanani aphezulu kaphethroli nogesi, ukunyuka kwesikweletu sikamasipala nezindleko zomshwalense sekudla ingxenye enkulu yemiholo yemizi eminingi.
Loku kubhebhezelwa wukunyuka kwamazinga enzalo, ngemva kokuthi ikomiti elinquma imalimboleko linyuse i-prime lending rate, inzalo abolekisa ngayo imali, yafinyelela ku-10.5% ngoMeyi. Lesi sinyathelo sibonakala singase sibe wuphawu lokuthi umjikelezo wokwehliswa kwenzalo usuphelile, njengoba iBhange lomBuso liqhubeka nokuzama ukubuyisela ukwehla kwamandla emali emgomweni wayo owu-3%.
Kubantu ababolekayo, loku kusho ukuthi izikweletu esezivele zinzima zingase zibenzima kakhulu, ikakhulu kwabakhokhela izindlu, izimoto, amakhadi esikweletu noma ama-akhawunti ezitolo.
Inhloko yemikhiqizo eDirectAxis uMnu uGavyn Letley ithi: “Kubantu abanezikweletu ezifana nezemizi, izimoto ezikhokhelwayo nezikweletu ezingavikelekile, izinkokhelo ezengeziwe zenzalo zizokwenza kubenzima ukubanemali eyanele yokubhekana nezindleko zansuku zonke, ingasaphathwa eyokonga noma ukutshala imali.”
Njengoba izindleko zokuphila ziqhubeka nokudlula amaholo, uLetley uthi ukuhlanganisa izikweletu kungaba ngenye yezindlela abathengi abangayisebenzisa ukuhlela kabusha isimo sabo sezimali, inqobo nje uma besakwazi ukuzikhokhela.
Loku kuhlukile kunokululekwa ngezikweletu. Ukuhlanganisa izikweletu kusho ukuthatha izikweletu eziningi uzihlanganise zibeyisikweletu esisodwa, esinenkokhelo eyodwa yanyanga zonke kunokuba nezinsuku ezihlukene zokukhokhela abantu abehlukene.
FUNDA NALAPHA: https://www.umbele.co.za/2025/07/15/kwehlisa-umthwalo-ukuhlanganisa-izikweletu/
Uthi le ndlela ingasebenza ikakhulu kubantu abanegama elihle lokukweleta, ngoba ingabasiza ngaphandle kokungena ohlelweni olusemthethweni lokubuyekezwa kwezikweletu, olungathatha iminyaka emithathu kuya kwemihlanu kuye ngobukhulu besikweletu.
Ebuhleni bale ndlela kubalwa:
1) Ukuphefumula: Ukuhlanganisa izikweletu kunganciphisa imali yokukhokhela isikweletu nezindleko ze-credit life cover, kwenze umuntu akwazi ukubhekana nezinye izidingo.
2) Ukukhokha kanye ngenyanga: Esikhundleni sokubanama-akhawunti amaningi anezinsuku ezihlukene zokukhokha, umuntu ukhokha imali eyodwa kumbolekisi oyedwa.
3) Ukuboleka: Abantu abahlanganisa izikweletu bangakwazi ukufaka izicelo zesikweletu, uma behlangabezana nezidingo zokukwazi ukukhokha nezokuboleka.
4) Indlela ecacile yokukhokha: Imalimboleko yokuhlanganisa izikweletu ivamise ukubanesikhathi esinqunyiwe sokukhokha, ngakho abathengi bayazi ukuthi bazosiqeda nini isikweletu. Lokhu kusiza nasekuhleleni ikusasa.
Abeluleki bathi abantu abadinga usizo ngokuhlela isabelomali nokulawula izikweletu kufanele bafune izeluleko zezimali ezithembekile ngaphambi kokuthatha isinqumo esikhulu sokuphinde baboleke.