Cishe u-40% wazo zonke izicelo zemalimboleko ezigunyazwe yi-DirectAxis ngezokuhlanganisa izikweletu
Kubathengi asebevele bebhekene nobunzima ngenxa yokwenyuka kwamanani kaphethiloli nogesi, izintela zomasipala nezindleko zomshwalense, ukukhuphuka kwamazinga enzalo kuphinde kunciphise imali encane abasele nayo yokubhekana nezidingo zabo.
Isinqumo seKomidi Lezinqubomgomo Zezimali (Monetary Policy Committee) sakhuphula izinga lenzalo eliyisisekelo lokuboleka laba ngu-10.5% ngoMeyi. Lokhu kungase kube ukuqala kochungechunge lokwenyuka kwamazinga enzalo njengoba iBhange Lombuso laseNingizimu Afrika lizama ukwehlisa izinga lokwehla kwamandla emali lisuke ku-4% ukuze lifinyelele emgomweni walo ka-3%.
Ngemuva kwezinyanga eziyi-15 kwehliswa amazinga enzalo, ukuqala komjikelezo wokwenyuka kwawo kuyizindaba ezimbi kubathengi.
“Kubantu abanezikweletu ezifana nezimalimboleko zezindlu, izikweletu zezimoto kanye nezikweletu ezingabambiswanga ngempahla, inzalo eyengeziwe izokwenza kube nzima kakhulu ukugcina imali eyanele yokubhekana nezindleko zansuku zonke, ingasaphathwa eyokonga noma ukutshala imali yesikhathi eside,” kuchaza uGavyn Letley, oyiNhloko Yemikhiqizo kwa-DirectAxis.
Njengoba izindleko ziqhubeka nokwenyuka ngesivinini esidlula ukukhula kwamaholo futhi ingcindezi yezezimali ikhula, ukuhlanganiswa kwezikweletu kungaba yisisombululo kubathengi abasakwazi ukukhokha izikweletu zabo kodwa abafuna indlela elula nengabizi kakhulu yokuzihlela.
Ngokungafani nokwelulekwa ngezikweletu, okubandakanya inqubo esemthethweni yokubuyekeza nokuhlela kabusha izikweletu ngohlelo lokukhokha olugunyazwe yinkantolo noma yisigungu esifanele, ukuhlanganiswa kwezikweletu kuhlanganisa izikweletu eziningi zibe yimalimboleko eyodwa enenkokhelo eyodwa yanyanga zonke.
ULetley uthi lokhu kungasebenza kahle kakhulu kubathengi abasenomlando omuhle ngokwanele wokukhokha izikweletu. Kubavumela ukuba benze ukuphathwa kwezimali zabo kube lula ngaphandle kokungena enqubweni esemthethweni engathatha iminyaka ephakathi kwemithathu nemihlanu, kuye ngenani lesikweletu okufanele likhokhwe.
Ukuhlanganiswa kwezikweletu kuya ngokuya kuduma, kanti cishe u-40% wazo zonke izicelo ezigunyazwa yi-DirectAxis ngezimalimboleko zokuhlanganisa izikweletu.
Izinzuzo zokuhlanganisa izikweletu
Ukwenza ngcono ukuhamba kwemali: Ukuhlanganisa izikweletu kunganciphisa izindleko zokuphatha ama-akhawunti kanye nezindleko zomshwalense wokuvikela isikweletu, kushiye abathengi nemali ethe xaxa emaphaketheni.
Amazinga enzalo akhokhiswayo ancike esimweni sobungozi somfakisicelo. Kuye ngesilinganiso sakhe sesikweletu, inzalo ingaba ngcono kunaleyo yezivumelwano ezifana namakhadi esikweletu noma ama-akhawunti ezitolo. Nokho, abathengi kufanele bacabangele zonke izindleko zemalimboleko ngoba inzalo ingakhokhwa isikhathi eside.
Ukuhlanganiswa kwesikhathi eside sokukhokha kanye nezinga lenzalo elibekelwe umuntu ngamunye kungaholela ezinkokhelweni eziphansi zanyanga zonke, kunikeze imindeni ecindezelekile ukukhululeka ngokushesha. Lokhu kungavula ithuba lokukhokha ezinye izikweletu ngokushesha noma lokwakha imali eyongelwe izimo eziphuthumayo.
Inkokhelo eyodwa yanyanga zonke: Esikhundleni sokuphatha ama-akhawunti amaningi anezinsuku ezahlukene zokukhokha, abathengi bangakhokha inkokhelo eyodwa kumbolekisi oyedwa. Lokhu kunciphisa ubunzima, ingcindezi kanye namathuba okuphuthelwa yizinkokhelo.
Ukuguquguquka kwezezimali: Abathengi abangaphansi kohlelo lokwelulekwa ngezikweletu abakwazi ukufaka izicelo ezintsha zezikweletu kuze kube yilapho bethola izitifiketi ezibakhululayo. Labo abakhetha ukuhlanganisa izikweletu ukuze bazinzise isimo sabo sezezimali bangakwazi ukufaka izicelo zezikweletu, uma behlangabezana nemibandela yokukwazi ukukhokha neyokubolekwa imali.
Isikhathi sokukhokha esicacile: Izimalimboleko zokuhlanganisa izikweletu zivame ukuba nesikhathi sokukhokha esinqunyiwe. Lokhu kwenza abathengi bazi kahle ukuthi bayokhululeka nini ezikweletini futhi kwenze ukuhlela ikusasa kube lula.
Ukuhlanganisa izikweletu kungaba nezinzuzo, kodwa uLetley uxwayisa ngokuthi kuhlela kabusha isikweletu, akulinciphisi inani lemali ekweletwayo.
“Ukuhlanganiswa kwezikweletu kusebenza kangcono uma kuyingxenye yohlelo olubanzi lokuvuselela isimo sezezimali. Abathengi kufanele bazibophezele ohambweni lwabo, kanti noma iyiphi imali abayongayo kufanele bayiqondise ekukhokheleni ezinye izikweletu ngokushesha, ekwakheni umnotho ngokonga nangokutshala izimali, noma ekuhleleleni umhlalaphansi.
“Lokhu kudala ithuba elifanele lokuba abathengi bagxile kulokho abafuna ukukufeza, kuqale ngokubavulela isikhala sokuphefumula ngokwezimali,” kusho uLetley.
Abathengi abadinga usizo ngokuhlela isabelomali nezimali bangathola izeluleko ezifanele nge-My Advisor etholakala kuhlelo lokusebenza lwe-FNB.
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