Abantu besifazane sebeyithenga kakhulu imizi – ucwaningo
YINTATHELI YOMBELE
UCWANINGO olusha lukhombisa ukuthi abantu besifazane sebedlula abesilisa ngokuthenga imizi. Lolu cwaningo olwenziwe yiFNB luveza ukuthi bayithenga bephindelela imizi abesifazane njengoba befuna ukubanezinto zabo nokuzakhela umcebo.
Ngokwezibalo zeFNB, kuyaqala eminyakeni eyishumi abayicwaningayo ukuthi izibalo zabesifazane abaphindayo ukuthenga imizi sibengaphezu kwango-51% ngokuveza kocwaningo oluphakathi kwango-2015 no-2025.
Loku ithi kukhombisa ukuthi abesifazane abathengi nje imizi kodwa bayisebenzisa ukuzakhela umcebo njengoba babuye babambise ngayo uma bekhulisa izimpahla abanazo.
Kuvela ukuthi bathenga imizi ebiza ngaphezu kwangoR1 million. Isibalo sale mizi sisuke ku-21%, saya ku-42% ngesikhathi socwaningo. Loku kusho ukuthi abantu besifazane abagcini nje ngokuthenga imizi okokuqala ebiza kancane kodwa bayakhula nangamandla okuthenga bagcine sebethenga imizi ebizayo.
Inhloko ye-Home and Structured Lending Product eFNB uNks uVanashree Naidoo ithe ucwaningo lwaleli bhange lukhombisa ukuthi abantu abesifazane abagcini ngokuthenga imizi kodwa batshala imali kuyona ukuzakhela umcebo.
“Ukuthenga imizi kubantu besifazane akusekona nje ukufeza izifiso zabo kodwa sekuyindlela yabo yokutshala imali, ukuzakhela ikusasa elihle nokuzithengela izimpahla,” kusho yena.
FUNDA NALAPHA: https://www.umbele.co.za/2025/06/12/intsha-inomasingcwabisane-womndeni-futhi-ithenga-imizi-ebizayo-ucwaningo/
Uthe ngo-2015 isibalo sabantu besifazane ababeqala ukuthenga imizi sasiwu-43% kodwa ngonyaka odlule sinyuke saba wu-52%, badlula abesilisa ngo-18 percentage points.
Kubantu besifazane abaqala ukuthenga imizi kukhona abahola imali engaphansi ngoR5,431 uma beqhathaniswa namadoda athenga imizi okokuqala. Abantu besifazane abaqala ukuthenga imizi basebenzisa umholo wabo owu-22% ukukhokhela isikweletu sendlu kanti amadoda wona asebenzisa u-20% ukwenza loko.
UNks uNaidoo uthi abesifazane basebenzisa u-22% womholo ukukhokhela isikweletu
Yize bethwele kanzima abesifazane kodwa yibona abakhokhela kahle izikweletu zemizi. Abawu-96,2% bakhokha kahle uma beqhathaniswa namadoda awu-95,9%. Sincane isibalo sabantu besifazane esikhokha inhlawulo yokungakhokhi kahle.
UNks uNaidoo uthe ukuhola imali encane nokukhokhela kahle imizi kukhombisa ukuthi abesifazane bazimisele ngokukwandisa izimpahla abanazo nokubanemizi.
“Abantu besifazane bazibophezele ekubeni nemizi yize behola kancane futhi besala nemali encane emva kokufeza izidingo zabo. Kusho ukuthi babheka kahle abakwazi ukukuthenga. Yize bekhokha imali ethe xaxa yemizi kodwa bayazibophezela ekukhokheni nasekuyisebenziseni kahle imali yabo. Babheka ukubanomuzi njengokutshala imali isikhathi eside. Ukubekezela kwabo kwenza bakwazi ukubanemizi futhi kwenza babengabantu abathembekile ekukhokheleni izikweletu zabo,” kusho uNks uNaidoo.
Uthe okunye okuvelile wukuthi abanye abathengi imizi ngokufaka izicelo zesikweletu kodwa bayonga bese bekhokhela imizi, abanye badayisa imizi yabo emidala ukuthenga eminye, abanye basuke beshiyelwe amafa kanti abanye basuke benezinye izindlela zokungenisa imali abazisebenzisayo ukuthenga imizi.
Bayanda nabesifazane abathenga imizi kuma-complex, lapho usuke uwumnikazi womuzi kodwa nihlangane nezinye izakhamuzi emhlabeni enakhe kuwona. Loku uNks uNaidoo uthi kukhombisa ukuthi abantu besifazane bafuna ukuphepha nokungakhathazeki ngezinto eziningi.
Yize kwehlile ukuthenga imizi uma kuqhathaniswa nezibalo zango-2021 kodwa isibalo sabantu besifazane abayithengayo sinyuke ku-23% ngo-2015, sawu-27% ngonyaka odlule.
“Abantu besifazane bathenga izinhlobo ezihlukene zemizi nezakhiwo kuya ngamandla abo ezimali. Baqala bethenga imizi emincane, bathenge emikhulu, bagcine sebeyithengela ukwakha umcelo. Banegalelo elibonakalayo emnothweni. Abathengi nje imizi kodwa kubona basuke bethenga izimpahla ezizobakhela umcebo nekusasa elihle kwezezimali.”