Sekuyacaca ngomshwalense wababeka izimali emabhange

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EZOMNOTHO                                                                      JABULANI SIKHAKHANE

IBHANGE iVBS Mutual Bank lagcina livalwe thaqa ngo-2018 ngenxa yezinkinga elalibhekene nazo.

SELIYA ngokucaca ikusasa lesikhwama somshwalense wokuvikela ababeka imali yabo emabhange. 

Lesi sikhwama siyobuyisela ababeki zimali emabhange isamba semali esingeke sibe ngaphezulu kuka-R100 000 uma ibhange lapho befake khona imali yabo liqumbeka phansi. 

Uma silinganisa nje, uma ubeke u-R80 000 ebhange uyowuthola wonke. Kodwa uma ubeke u-R120 000, isikhwama somshwalense siyobhadala kuphela u-R100 000.

Amalungiselelo okusungulwa kwalesi sikhwama aseneminyaka aqala. Ngeledlule iBhange leZwe (iReserve Bank) likhiphe umbiko ohlongoza ukusebenza kwalesi sikhwama. 

Labo abanemibono ngalokhu bangathintana neBhange leZwe (imininingwane isekugcineni kwale ngosi). 

Lokhu kulandela ukuphasiswa komthetho obhekene nokuphathwa kwezinkampani zemali kuleli namabhange. 

Lo mthetho, iFinancial Sector Laws Amendment Bill, yiwona ogunyaza ukusungulwa kwalesi sikhwama somshwalense. Ukuqala kokusebenza kwalesi sikhwama kuzoya ngohlelo oluyomenyezelwa nguNgqongqoshe wezeMali, uMnu Tito Mboweni.

Ukusungulwa kwalesi sikhwama kungomunye wemizamo kahulumeni yokwenza amabhange nezinye izinqolobane zokulondoloza imali ukuba ziphephe. 

Ngakolunye uhlangothi, umshwalense uzovulela amabhange asafufusa amathuba okusimama ngoba ababeki zimali ngeke besabe ukuthi bazolahlekelwa yimali yabo uma beyibeke ebhange elisafufusa. 

Lokhu kungase kukhuthaze abampisholo asebeneminyaka bekhala ngokuthi kunzima kubona ukuqala amabhange ngenxa yobunzima bokuheha ababekizimali.

Amabhange aphila ngokuboleka imali kubabeki zimali. Athatha le malike amabhange ayeboleke labo abayidingayo ukuyothenga izimoto, imizi, ukuqala noma ukuthuthukisa amabhizinisi. 

Abanye baboleka imali emabhange ukugcina izidingo zabo zemihla ngemihla. Inkinga ebhekene namabhange wukuthi ababeki zimali babuye bayidinge imali yabo. 

Lokhu kwenzeka ngesikhathi labo abayibolekile imali bengakayibuyisi yonke. Ngenxa yalokhu, ibhange kumele lihlale landisa ababeki zimali kulo ukuze likwazi ukugcina izethembiso zalo kubabeki zimali. Ababeki zimali bayimikhakha eminingi.

Phezu kwami nawe, kukhona izinkampani ezibeke imali yazo emabhange isikhathi esincane. Izinkampani lezi ziyehlukana. 

Uma silinganisa nje, inkampani ethengisa izimoto ingaba namamiliyoni amarandi engeke iwadinge izinsuku eziyisihlanu. 

Iyayithatha-ke le mali ikhulumisane namabhange izwe ukuthi yiliphi ibhange elingayinika inzalo ethe xaxa. Izinkampani zomshwalense nezikhwama zempesheni zibeka imali yazo emabhange. Namabhange ayebolekana imali.

Ukuze lolu hlelo lokusebenza kwamabhange lusebenze njalo kahle, ludinga ukuthi ababeki zimali emabhange babe nethemba lokuthi imali yabo bazoyithola uma sebeyidinga. 

Kunzima kubantu nje ukuthi babe nolwazi olunzulu lokuthi yiliphi ibhange eliphephile. Izinkampani ezinkulu zona zineminyango ebhekele ukuqoqa ulwazi ngamabhange. 

Abantu nje bangena emnyango webhange ngoba bethemba ukuthi ibhange lelo ababeka kulona imali yabo lisesimeni esihle.Isikhwama somshwalense sizosiza ikakhulukazi abantu nje nezinkampani ezisafufusa. 

Okwamanje uma kuwa ibhange, kudingeka ungqongqoshe wezemali avume ukunika ibhange lezwe isiqiniseko sokuthi uma abavali bebhange sebeqoqe konke ebelinakho kodwa kutholakala ukuthi kayihlangani imali yokubuyisela eyababeki zimali, uhulumeni uyoyikhokha yena le mali. 

Uma selithole lesi siqiniseko ibhange lezwe, lenza uhlelo lokubuyiswa kwengxenye yemali yababeki zimali. 

Lokhu kuyinto engathatha isikhathi, okungabeka abanye ababeki zimali kulelo bhange ebunzimeni uma bengakwazi ukusheshe bathole imali yabo. 

Yilolu hlelo olwasetshenziswa ngesikhathi kuwa ibhange i-VBS ngo-2018. Ababeki zimali kwi-VBS babuyiselwa imali eyafika ku-R100 000 ngamunye, isamba abasithola siya ngokuthi bebenamalini abayi-bekile ebhange kodwa sangedlula ku-R100 000 kumbeki ngamunye.

Umshwalense uzoba wusizo olukhulu ekuvimbeni ukuthi uma ababeki zimali behogela amampunge okuthi ibhange labo liyantenga bese bonke beyofuna imali yabo. 

Ukungena ebhange kwezinkumbi zababeki zimali bezokhipha imali yabo ngasikhathi sinye, kungafaniswa nomuntu ohlaselwa yisifo sohudo esimgijimisa ngamandla. 

Lowo muntu uphelelwa ngamandla. Uma engatholi usizo masinyane singemuka naye.

Nebhange ngokunjalo elihlaselwa ngababeki zimali bezokhipha imali yabo ngasikhathi sinye, liyawa ngoba amabhange kawahlale enemali elingene ukukhokhela bonke ababeke izimali zabo kulo. 

Umshwalense wenza ukuthi ababeki zimali bangangenwa yitwetwe bese begasela ibhange beyofuna imali yabo ngoba besaba ukuthi ngeke besayithola.

* Imininingwane egcwele ngalo mbiko ohlongoza ukusebenza kwalesi sikhwama somshwalense, itholakala kwiBhange leZwe. Abafuna ukubeka imibono yabo bangayithumela kuleli kheli: CoDI@resbank.co.za. Usuku lokugcina lokwamukelwa kwemibono wukuphela kosuku lomhla ka-29 kuNhlaba (May) nonyaka.

 

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