Uma imiyalo yokudonswa kwemali kanye nezindleko ezijwayelekile zokuphila zikwenza uzibuze ukuthi izindleko zokuphila azikwazi yini ukukhuphuka, kusekhona izindleko zokuhlela umngcwabo ongaba khona. Ngokusho kwabakwaStatsSA, izindleko zemingcwabo eNingizimu Afrika zikhuphuke ngo-12%, kungekho okubonisa ukuthi zizokwehla maduze. Ngabe uzilungiselele ngokwezezimali?
Sonke siyazi ukuthi imingcwabo iyabiza. Ngisho nomngcwabo osisekelo ongenalutho ungakubuyisa emuva ngo-R20,000 kuya ku-R30,000. Wonke umuntu ufuna ukuqinisekisa ukuthi abathandekayo babo abanikezwa nje ukuthumela okuhloniphekile kepha futhi nokukhokhelwa okukhethekile okugcina kubiza imali. Ngokwemvelo asebekhulile kudingeka bakhathazeke kakhulu ngalokhu futhi nemikhawulo yezimali yokuguga yenza kube nzima ukonga imali yabo.
Kungabonakala kungalungile ukuthi abantu asebekhulile bayabandlululwa kepha lokhu akukona ukucwaswa.
Ukuvinjelwa eminyakeni yobudala kubangelwa kakhulu iphrofayili yengozi. Umuntu osemdala kungenzeka ukuthi afe kungekudala kunomuntu osemncane okusho ukuthi umshuwalense kuzodingeka akhokhe maduze. Kulesi sehlakalo ukukhokha kungangaphezulu kwesamba sawo wonke amaphrimiyamu akhokhwe ngumnikazi wenqubomgomo. Kuyaqondakala ukuthi lokhu akwenzi umqondo webhizinisi kumshuwalense.
Ikhava yomngcwabo yabantu abangaphezulu kweminyaka engu-70
Abantu baseNingizimu Afrika abangaphezulu kweminyaka engu-70 kodwa abangaphansi kweminyaka engu-75 ubudala akufanele bakhathazeke kakhulu. Iningi lezinhlelo zomshwalense zomngcwabo eNingizimu Afrika zizohlanganisa iminyaka engu-75. Zingambozwa kalula ngaphansi kohlelo lwabo noma lwezezingane zabo. Lezi zinsuku omshuwalense baseNingizimu Afrika bavumela umnikazi wenqubomgomo ukuthi amboze ogogo nomkhwenyana futhi ngaphansi kwesembozo somngcwabo womndeni, ngaleyo ndlela andise izinketho ezitholakala kubantu abangaphezu kweminyaka engu-70.
Ikhava yomngcwabo yabantu Abangaphezulu kweminyaka engu-75
Eminyakeni yobudala engu-75 lesi simo siba yinto ekhohlisayo. Bambalwa kakhulu abomshwalense abazimisele ukuthatha ubungozi bomuntu okule minyaka. Noma umuntu oneminyaka engu-75 esempilweni enhle, iqiniso ukuthi iminyaka esele yingcosana kakhulu. Kodwa-ke, kusenezinhlelo ezithile zomngcwabo ezizocabanga ukumboza umuntu oneminyaka engu-75 nangaphezulu kodwa kuphela uma beqala ukumboza ngaphambi kweminyaka yobudala engu-75 noma nangaphambilini.
Ikhava yomngcwabo yabaneminyaka engu-80
Eminyakeni engu-80 yobudala, noma yimuphi umshuwalense osasele obezocabanga ngembobo edlule iminyaka yobudala engu-75 uzokwehla kakhulu kumakhasimende amasha. Amakhasimende akhona abhalise ngaphambili kakhulu empilweni futhi angathola ukuthi ikhava yawo izokuwa, ngokuvamile ineminyaka engu-75. Lokhu kukhawulela izinketho zekhava yokungcwaba izingane ezineminyaka engu-80 ubudala. Kodwa-ke, izikimu zomngcwabo kungenzeka zingabi nemingcele efanayo njengoba beqoqa imali ngqo yomngcwabo, futhi bengasebenzi ngendlela efanayo nabakhokhela imishwalense.
Ikhava yomngcwabo yabaneminyaka engu-85
Abekho abahlinzeka ngemishwalense abazoqala ikhava yomngcwabo omusha womuntu oneminyaka engu-85 noma ngaphezulu. Izinhlelo zokungcwaba nazo zingancipha ikhava ngaphandle uma umuntu elungele ukukhokha imali ephakeme kakhulu kanye nokukhokhwa kwemali yanyanga zonke. Kodwa-ke, okuwukuphela kwendlela enengqondo ngalesi sikhathi uhlelo lomngcwabo kepha okufanele ngabe lwaluqaliwe kwasekuqaleni empilweni. Cabanga ngenketho zokonga esikhundleni njengediphozi esinqunyelwe enikezwe ilungu lomndeni ngezindleko zomngcwabo. Khuluma nebhange ngohlobo lwe-akhawunti yokonga engaqinisekisa ukuhoxiswa okulula nokusheshayo.