Zikhona izindlela zokunciphisa umthwalo wesikweletu sendlu

Kuthiwa baningi abahlulekile wukukhokha ngesikhathi kunyuka ama-interest rates

Owokudayiswa kwezindlu uthi nokuqashisa ngendawo yakho kungalekelela ekutholeni imali ethe xaxa...

 Intatheli yeLANGA

ONGOTI beluleka ngokuthi zikhona izindlela abathengi abanesikweletu somuzi abangazama ngazo ukwehlisa imali yesitolimende sebhondi abasikhokha nyanga zonke.

Ukuzama ukwehlisa isitolimende kungalekela ekwehliseni umthwalo wezindleko zokuphila, ohleli emahlombe abathengi abaningi. Imizamo okubikwa ukuthi abathengi bangayenza ukwehlisa isitolimende sebhondi yendlu, ukuxoxisana nebhange banxuse ukuba kubuyekezwe inzalo yemalimboko (interest rate).

Enye indlela okubikwa ukuthi ingasiza wukukhokha imali ethe xaxa, kwenqunywe yibhange uma kungenzeka.

Embikweni weSouth African Reserve Bank, obizwa ngokuthi yiFinancial Stability Review, owashicilelwa ngoNovemba ngonyaka odlule, kwavela ukuthi lenyukile izinga labantu abahlulekayo wukukhokha isikweletu sendlu (defaults) eminyakeni emibili edlule.

Isimo sobunzima bokubhekana nezindleko zebhondi kubathengi kubikwa ukuthi sibhebhethekiswe yinkinga yokwenyuka kakhulu kwe-interest rates eminyakeni edlule, emuva kokubheduka kweCovid-19. Lokhu kwenyuka kakhulu kwe-interest rate, kuholele ekutheni kwenyuke izitolimende.

Yikhona lokhu okudale abantu abaningi baklinyeka, bahluleka wukukhokhela izindlu, abanye bagcina bezidayisile, kanti ezabanye zadliwa.

UMnu Adrian Goslett, oyiRegional Director neCEO yeRE/MAX of Southern Africa, uchaze ngamaqhinga athi abanini bezindlu bangawabheka ukuze behlise umthwalo wezitolimende.

Indlela yokuqala ayibalulile yikhona ukuxoxisana nebhange, ucele likwehlisele i-interest rate. Uma kwenzeka nivumelana, lokho kungakwehlisela imali yesitolimende nyanga zonke.

UMnu Goslett uthi uma ihamba kahle indlela okhokha ngayo isikweletu sendlu yakho, futhi nenani lendlu yakho likhombisa ukwenyuka, ibhange lingakubuka njengomuntu ofanele ukwehliselwa i-interest rate.

Okunye okubikwa ukuthi kungasiza, wukunxusa ukuba welulelwe isikhathi esinqunyiwe sokukhokhela isikweletu somuzi wakho. Imvamisa lesi sikhathi siba yiminyaka ewu-20 noma ngaphansi, okanye sibe ngaphezudlwana
kwewu-20.

 Ukwelulwa kwaleso sikhathi kubikwa ukuthi kungasehlisa isitolimende sanyanga zonke. Nokho uMnu Goslett wexwayisa ngokuthi lokhu kungafanele kube yisinyathelo sokugcina ngci umuntu asithathayo. Uthi ukwelulwa kwesikhathi sokukhokhela isikweletu kungakhulisa kakhulu inzalo yesikweletu.

Enye indlela okubikwa ukuthi umuntu oxakekile angayibheka, wukuqashisa ngengxenye yomuzi noma ngamanye amagumbi endlu ukuze athole imali. Imali ongayenza ngalokho kuqashisa ingalekelela kakhulu ekukhokheleni isikweletu sendlu.

UMnu Goslett, ubalula nomhlomulo omuhle umuntu angawuthola ngokukhokha imali ethe xaxa ngaphezulu kwisitolimende esinqunyiwe sanyangazonke.

Uthi lokhu kunganciphisa inzalo umuntu ayihlawuliswayo, futhi kunganciphisa nesikhathi esibekiwe sokukhokhela isikweletu sendlu. Lokhu futhi kungasiza nalapho isimo semali sibheda kwezinye izinyanga.

Ugcizelele ukuthi phezu kwakho konke, okusemqoka kakhulu wukugwema ngayo yonke indlela ukusalela emuva kwesikweletu. Uthi ingozi enkulu ngokusalela emuva ngesikweletu wukuthi noma ngabe umuntu weqiwe yinyanga eyodwa, kodwa lokho kuba nomthelela omkhulu, futhi wenza isimo sibe nzima kakhulu.

*Umthombo: Daily Investor