Ngaba kufanelekile ukungena ematyaleni ukuze ubhalise imali mboleko?

Kukho into eguqukayo kubume belizwe lobambiso kwiinyanga ezidlulileyo ezilawulwa kukuqalisa kokusebenza komthetho omtsha wobambiso kunye nokudodobala kwezoqoqosho. Kule meko ngokubanzi, kuyinto eqhelekileyo ukuba abasebenzisi beebhanki abaninzi bazibuze ukuba kufanelekile na ukuboleka ukuze uthathe imali mboleko ngoku. Ukuze uthenge ikhaya elinokusebenza njenge ifomula yotyalo-mali unikwe amathandabuzo aphakanyiswe yimarike ezinzileyo kunye nengeniso kulo nyaka sisandula ukuwuqala.

Kungenxa yokuba kulungele ukuba ixabiso lemali liqhubeke kumgangatho osezantsi kwimbali yiba ku-0% kummandla we-euro. Oko kukuthi, ngaphandle kwexabiso kwaye ke kuyathandeka ukuba umdla wemali mboleko ngoku ukhuphisane kakhulu kunakwiminyaka embalwa edlulileyo. Apho ungagcina khona i-euro ezimbalwa ngenyanga ekusebenzeni okusayinwe neziko lezemali. Ukusuka kule ndawo yokujonga, le ntshukumo yebhanki iluncedo kwaye kunokuthiwa kufanelekile ukuboleka ukusayina umboleko wemali mboleko.

Ngayiphi na imeko, utshintsho kwimikhwa yesivumelwano luyajongwa kuba kukho imeko yokufumana isivumelwano semali mboleko inxulunyaniswe nengeniso esisigxina ngaphezulu kwengeniso esisigxina. Kungenxa yokuba kukho amathandabuzo amaninzi malunga nento enokwenzeka ukusukela ngoku. Ngokwenkolelo yokuba amaqondo wenzala anganyuka kule minyaka izayo kwaye emva kwayo yonke intshukumisa yolu tshintsho kwimfuno yobambiso lokuthenga iflethi. Akucingelwa ukuba imeko iya kuqhubeka njengale minyaka ikhululekileyo yokwenza isivumelwano semali mboleko yezi mpawu.

Ubambiso: I-Euribor ihlala ubuncinci

Omnye wemithombo yesalathiso sokwenza esi sigqibo uhlala kwinto enokwenziwa sisalathiso saseYurophu sokwenza isivumelwano semali mboleko. Kwaye kule ngqondo, idatha exhaswa liZiko leSizwe lezeNkcukacha-manani alibonisi kuthandabuza kubafakizicelo bale mveliso yemali: i-Euribor liqondo apho ipesenti ephezulu yemali mboleko eguqukayo ibhekisa kuyo. Kodwa ngaphandle kwayo yonke into a ukudinwa okuncinci kwindaleko yayo ngakumbi ngokubhekisele kwiminyaka engaphambili. Apho kunokuthiwa yongamele kwimarike yempahla ebambekayo ngayo yonke into ecacileyo.

Kule meko ngokubanzi, kufanele ukuba kuqatshelwe ukuba esi salathiso semali mboleko yokuthenga izindlu nomhlaba ziya kuqhubeka komnye unyaka kwi umhlaba ongathandekiyo. Nangona enye into eyahluke mpela yile inokwenzeka kwiminyaka embalwa edlulileyo kwaye yiyo loo nto ibangela ukuba iqondo lobambiso lubekelwe umdla kwinxalenye enkulu yabasebenzisi bebhanki. Kuya kugxininiswa ukuba uluvo lweengcali lubona kwangaphambili ukuba azizukubakho utshintsho olukhulu kumgaqo wezemali we-ECB. Ke ngale ndlela, eyona nto ibalulekileyo ekubambeni kwemali mboleko ayibuyeli ngaphezulu kwe-zero

Ngamaxesha onke

Akunakulityalwa ukuba phakathi enyakeni i-Euribor yawa phantsi ngamaxesha onke kwaye kamva, kwiinyanga nje ezidlulileyo, yaphinda yaqala ikhosi yayo ephezulu, nangona ibiqulathe indlela. Ukuvala okokugqibela kulo nyaka kuhambile -0,263. Ngala manqanaba ukuba ukutyikitywa kwalo msebenzi kunokwenziwa kube luncedo kakhulu kuba sizakube sigcina imali eninzi kwintlawulo yenyanga yolu hlobo lwetyala. Ukuza kuthi ga kwinqanaba lokuba kufanelekile ukuboleka ukuze ubhalise ubambiso ngoku. Kodwa kuphela kula maxesha, enye into eyahlukileyo yile inokwenzeka kwiminyaka embalwa ezayo.

Ngokumalunga noqikelelo lwayo, kufuneka kuboniswe ukuba i-Euribor ngo-2020 iya kuba malunga -0,22 kwaye, ngo-2021, eya kuthi ikhokelele kwixabiso eliphantsi lobungakanani bemali mboleko ehlaziyiweyo kwisiqingatha sokuqala sonyaka. Le ingayenye inyani ethembekileyo yokwenza esi sigqibo kwezi ntsuku zokuqala zonyaka kwaye iyakuba sisiqinisekiso sokuba olu hlobo lwamatyala lwenzeke kwaye lutyalomali kwisitena kule minyaka imbalwa izayo. Ngendlela okwangoku okwangoku kungakhange kwenzeke naluphi na utshintsho olubalulekileyo kwaye inyanzelisa olu luhlu lwamanyathelo ekufuneka ethathwe xa ungena kwimvumelwano yemboleko mboleko.

Inzala kwiqondo lobambiso

Isibonelelo sokuba amaziko emboleko aphuhlisayo abonelela ngemali mboleko enexabiso eliphantsi, umahluko phakathi kwe-1% kunye ne-2%. Kodwa eyona nto iluncedo kakhulu kubafaki-zicelo bale mveliso kukuba ithengiswa ngaphandle kweekhomishini okanye ezinye iindleko kulawulo nakulondolozo lwayo. Ngamanye amagama, zitshiphu kwixesha elifutshane kwaye ezi ziindaba ezilungileyo kakhulu kubafakizicelo. Ngayiphi na imeko, sele kunzima ngakumbi ukufumana imali mboleko yokuthenga indlu enomahluko ongaphantsi kwe-1%, njengoko yayinjalo kwiminyaka emibini okanye emithathu eyadlulayo.

Enye yezona zinto zibalaseleyo eziveliswe yimarike yempahla ebambisayo iye yehla kwiinyanga ezidlulileyo ngenxa yeempawu ezimbi zoqoqosho lwamanye amazwe. Apho kubonakala ukuba le meko iya kugxininiswa kwiinyanga ezizayo kwaye ngakumbi ukusukela kunyaka wama-2021. Apho kutshintshwe uluvo kulindeleke kumgaqo wezemali we-European Central Bank (ECB), ngokunyuka kwexabiso lemali. Ngesi sizathu. Ayimangalisi into yokuba ukukhula kwefemu yokubambisa kubhalisile kulo nyaka okusishiyileyo kubeyinto encinci ye-0,1%. Ngamanye amagama, ukuthengwa kobambiso kunokuba yinto enenzuzo ngoku nakwixesha elifutshane, kodwa hayi kwixesha eliphakathi nelide kwaye ngenxa yeso sizathu kuyekwe ibango kubonwe kwidatha yaseburhulumenteni yamva nje.

Ngelixa kwelinye icala, singekhe silibale amathandabuzo angaziswa ngutyalo mali kwiimarike zezemali. Kuba ingeniso esisigxina ayizuzi kangako okwangoku ngemida yokulamla engenakufikelela kwi-1%, ngelixa iimveliso zokulingana zinika amathandabuzo amaninzi ngenxa yokungazinzi kwezi marike zezimali. Ukuya kwinqanaba lokuba noloyiko lokuba bangaphulukana nenxalenye yeemali zabo abazityalileyo kunokwenzeka ntoni ngezi asethi zemali.  

Inani lemali ebolekayo yehla nge-2,1%

Inani leemali ezibanjiswe emakhaya zingama-29.691, 2,1% ngaphantsi ko-Okthobha u-2018, ngokweedatha zamva nje ezibonelelwe liZiko leLizwe leNkcukacha-manani (i-INE). Apho kuboniswa ukuba isixa esiqhelekileyo yi-129.237 ye-euro, ngokunyuka kwe-1,1%. Inkqubo ye- isiqingatha semali yemali ebolekiyo kwiipropathi ezibhaliswe kwirejista yepropathi ngo-Okthobha (ukusuka kwizenzo zikarhulumente ezenziwa ngaphambili) yi-147.338 ye-euro, i-4,2% ngaphezulu kunenyanga enye ngo-2018. ifikelele kwi-5.671,1 yezigidi ze-euro, i-0,9% ngaphantsi kwe-Okthobha ka-2018. Kwizindlu, imali-mboleko yemali eyinkunzi ibimi kwizigidi ezingama-3.837,2, ukwehla ngonyaka kwe-1,1%.

Idatha ebonelelwe liZiko leSizwe lezeNkcukacha-manani (i-INE) ikwaqinisekisa ukuba kwimali mboleko eyenziwe ngokwenani leepropathi ngo-Okthobha, i-avareji yenqanaba lenzala ekuqaleni yi-2,42% (i-6,0% isezantsi kunaleyo ka-Okthobha u-2018) kunye nomndilili Ixesha leminyaka engama-23. I-57,1% yemali mboleko ikwiqondo lenzala eguquguqukayo kunye nama-42,9% kwizinga elimiselweyo. Apho i-avareji yenqanaba lenzala ekuqaleni yi-2,09% yemali-mboleko yexabiso eliguqukayo (i-11,2% isezantsi kuno-Okthobha ka-2018) kunye ne-3,02% kwiirhafu ezibekiweyo (1,4% ezantsi). Kubambiso lwemali mboleko yasekhaya, iqondo lenzala eliqhelekileyo li-2,50% (5,0% isezantsi kuno-Okthobha 2018) kwaye ixesha eliqhelekileyo lineminyaka engama-24.

Inzala eyahlukileyo iyancipha iye kuma-79,2%

I-54,7% yemali mboleko yasekhaya ikwinqanaba eliguqukayo kunye ne-45,3% kwizinga elimiselweyo. Umyinge wenzala kwinqanaba lokuqala yi-2,17% kwiimali mboleko zasekhaya inqanaba eliguqukayo (ngokuhla kwe-10,2%) kunye ne-3,02% yenqanaba elimiselweyo (0,1% ngaphezulu). Ngelixa okokugqibela, idatha ye-INE ibonisa ukuba kwi-4.584 yemali mboleko eneenguqu kwiimeko zabo, i-35,0% ngenxa yotshintsho kumazinga enzala. Emva kotshintsho lweemeko, ipesenteji yemali mboleko yenzala esisigxina inyuke ukusuka kwi-13,0% ukuya kwi-19,7%, ngelixa eyemali-mboleko yenzala eyahlukileyo yehle ukusuka kuma-86,3% ukuya kuma-79,2%. I-Euribor linqanaba apho ipesenti ephezulu yemali-mboleko eguquguqukayo ibhekisa kuyo, zombini phambi kotshintsho (77,1%) nasemva (76,2%).

Isibonelelo sokuba amaziko emboleko aphuhlisayo abonelela ngemali mboleko enexabiso eliphantsi, umahluko phakathi kwe-1% kunye ne-2%. Kodwa eyona nto iluncedo kakhulu kubafaki-zicelo bale mveliso kukuba ithengiswa ngaphandle kweekhomishini okanye ezinye iindleko kulawulo nakulondolozo lwayo. Ngamanye amagama, zitshiphu kwixesha elifutshane kwaye ezi ziindaba ezilungileyo kakhulu kubafakizicelo.


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