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Home#fundimaliImithelela yokunyuka kwe-Interest Rate esikweletini

Imithelela yokunyuka kwe-Interest Rate esikweletini

Kumasonto edlule kwenyuswe inzalo yemali ebolekwa emabhange ngokomyalelo weBhange loMbuso.

Umphathi weBhange loMbuso uLesetja Kganyago, umemezele ukwenyuswa kwenzalo ngo-75 basis points.

Lokhu kusho ukuthi i-repo rate okuyimali ekhokhwa ngamabhange uma eboleka kuleli hhange, isiwu-6.25% kanti i-prime lending rate okuyinzalo ekhokhiswa abantu uma beboleka imali emabhange, isiwu-9.75%.

Ngokwesibili kwenyuswa inzalo ngokulandelana ize ifinyelele ezingeni elagcina ngaphambi kokuthi kuhlasele iCovid-19 ngo-2019.

Ngesikhathi iBhange loMbuso lehlisa inzalo emva kokuhlasela kweCovid-19, kwakwenzelwa ukuthi kube lula ebantwini ngoba abaningi baphelelwa yimisebenzi abanye bancishiselwa amaholo.

“Lokhu kwehla kwakusiza kulabo abakhokhela izikweletu njengemoto nendlu. Njengoba umnotho usuqala ukubuyela esimeni esagcina ngo-2019 uphela, lokhu kuyisizathu sabaphathi beBhange loMbuso sokwenyusa inzalo.”

Ngesikhathi inzalo iphansi, abaningi bathatha izikweletu ngoba bebona
imali abayikhokha ngenyanga incane. Ukwenyuswa kulandelana kwenzalo, kusho ukuthi imali ekhokhelwa izikweletu nayo isizonyuka. Ngokosho kongoti bezimali umuntu okhokhela indlu yesikweletu ebiza uR2 million, usezokhokha imali enguR3 400 ngaphezulu kwaleyo abeyikhokha kusuka ngoNovemba 2021.

Nasezikweletini zezimoto namakhadi ezikweletu nokunye okukhokhelwa imali encike kwinzalo, kuzoba noshintsho emalini oyikhokha ngenyanga. Abazosizakala, yilabo abathatha isikweletu esinentela engahambisani nokushintsha kwenzalo yeBhange loMbuso. Lokhu kubizwa nge-fixed interest rate. Labo abathintekayo yilabo abathatha isikweletu ngendlela ebizwa nge-linked interest rate.

Ongoti bathi uma ukunyuka kwenzalo kudala ingcindezi umthengi, kubalulekile ukuthi abheke lokhu:

•Hlela zonke izindleko ozikhokhela ngenyanga bese unciphisa noma uqede lezo ezingabalulekile.

•Thintana nebhange wenze uhlelo lokubuyekeza isivumelwano sesikweletu lapho unganyusa isikhathi senkontileka okungasiza ukwehlisa imali oyikhokha ngenyanga.

•Uma isikweletu sisasisha, ungakwazi ukubheka amanye amabhange ukuthi uma engasithatha isikweletu, angakunika inzalo engcono.

•Dayisa ngokushesha lokhu obonayo ukuthi awukudingi. Uma unezimoto ezimbili, kubalulekile ukudayisa leyo engahamba kalula ukuze isimo semali kuwe singabi nzima. Kubalulekile ukwenza lokhu ngokushesha ungakafiki lapho usunesikweletu esikhulu ngenxa yokwehluleka ukusikhokhela.

•Indlu, imoto yikhona okubalulekile empilweni yomndeni nemishwalense.

Uma kukhona ushintsho olwenzayo emalini oyikhokha nyanga-zonke, kubheke ekugcineni ukukhokhelwa kwalokhu kodwa uqale ezintweni zobumnandi njengokudla ezitolo ukuzijabulisa ngokuvakasha nokuthenga utshwala. Indlu makube yinto yokugcina ebhekelela ushintsho.

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