IKomidi Elimisiwe Lezezimali likumema ukuthi uphawule ngoMthethosivivinywa Wokuchibiyela Izikhwama Zempesheni [B30 – 2020].
- Lo mthethosivivinywa uzovumela amalungu esikhwama somhlalaphansi ukuthi afinyelele ku-75% wemali ayongele umhlalaphansi ngaphambi kokuthatha umhlalaphansi njengesibambiso semali mboleko yasebhange.
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Umthethosivivinywa Wokuchibiyela Izikhwama Zempesheni okumanje ucutshungulwa ephalamende ungase udale umonakalo omkhulu embonini yomhlalaphansi, kusho uGlenn Gamsy, isikhulu esiphezulu se-GIB Financial Services, i-financial consultant consultant kanye nomphathi wesikhwama somhlalaphansi.
Lo mthethosivivinywa, ophakanyiswe yiDemocratic Alliance, uzovumela amalungu esikhwama somhlalaphansi ukuthi athole ingxenye yemali abeyongele umhlalaphansi ngokheshi ngaphambi kokuthatha umhlalaphansi njengesiqinisekiso semali ebolekiwe.
I-DA iphakamise ukuthi kuchitshiyelwe lo mthetho ukuze amalungu esikhwama somhlalaphansi akwazi ukuthola imali efinyelela ku-75% yemali eyongele umhlalaphansi njengesibambiso semali ebolekiwe ebhange, esikhundleni sezimo ezikhona lapho amalungu engakwazi ukusebenzisa imali yawo yokonga njengesibambiso ukuze athole imali ebolekiwe kuphela. .
UGamsy uthe nakuba kunesidingo sokuhlinzeka amakhaya ngokheshi ukuze kudambise ukushoda kwezimali - ikakhulukazi ngezikhathi lapho abathengi becindezelekile ngokwezimali - ukuthola ukheshi ezikhwameni zomhlalaphansi kuzoba nomthelela omkhulu emazingeni okonga omhlalaphansi.
"Ukuhoxiswa okuphezulu, kokubili ngombono wevolumu kanye nenani, kuzophazamisa emazingeni amaningana.
“Ngaphandle kokwenyusa umthwalo wokuphatha kubaphathi bezikhwama zomhlalaphansi, imiphumela yoguquko mikhulu futhi inamandla okuba nomthelela emnothweni uma kubhekwa ubungako bokutshalwa kwezimali kwesikhwama somhlalaphansi kumaphrojekthi wengqalasizinda amanje nahleliwe .”
UGamsy uthe okunye okukhulu kwefemu yakhe wumthelela lokhu okuzoba nawo emalini etholwa amalungu uma ethatha umhlalaphansi.
“Okuyisisekelo, umthetho wesikhwama sempesheni uhlelelwe ukuvikela ukonga imali yomhlalaphansi ukuze kuqinisekiswe ukuthi abathengi bayakwazi ukusimamisa impilo yabo uma sebethatha umhlalaphansi. Ukuhlela ngobuhlakani ukuthatha umhlalaphansi nokonga kungaba yisindisi ngokoqobo ngezikhathi lapho izindleko zisekhona kodwa kuba nemali encane noma ingekho eyengeziwe.”
Ukuphela komhlalaphansi onethezekile eNingizimu Afrika
UGamsy uthe ngokomlando abantu baseNingizimu Afrika banosiko oluphansi lokonga futhi kulinganiselwa ukuthi baphakathi kuka-6% kuya ku-8% kuphela abasebenzi bonga imali eyanele yokuthatha umhlalaphansi ngokukhululeka.
Ukuvumela abathengi ukuthi bathole u-75% wemali yabo yokuthatha umhlalaphansi ngaphambi kokuthatha umhlalaphansi kuzobenza bangakwazi ukugcina izinga lokuphila elifanele lapho beyeka ukusebenza, esho.
Okubhebhethekisa lokhu isiko lokuthenga, ukusetshenziswa okugqamile kanye nokwanelisa ngokushesha futhi ayikho indlela yokuqinisekisa ukuthi ukuhoxiswa kwemali yesikhwama somhlalaphansi kuzosetshenziswa ngendlela efanele.
“Lolu wudaba olunzima, futhi sikuqonda kahle ukungezwani kwezomnotho nezepolitiki ngale nkulumompikiswano. Nokho, siyayazi ngokufanayo imiphumela engase ibe khona emgqeni.”
Isikhwama somhlalaphansi siyimpahla yezezimali eyenzelwe ukuvikela abathengi kusukela eminyakeni yokuthatha umhlalaphansi kuye phambili, kusho uGamsy.
Wengeze ngokuthi asikho isidingo sokusebenzisa izikhwama zempesheni ukuxazulula inkinga ngokushesha uma lokhu kubangela ukungakwazi ukuxhasa indlela yokuphila ngemva kokuthatha umhlalaphansi, nokuzokwenza kube nemithwalo eyengeziwe ohlelweni lwezenhlalakahle lukahulumeni.
“Siyazi ukuthi uhulumeni uyaqhubeka nokuxoxisana nethimba elikhulu lezinhlaka ezithintekayo ngalolu daba, futhi siyavuma ukuthi kunesidingo esiphuthumayo sokuhlinzeka ngosizo lwesikhashana, kodwa sinxusa abadlali ukuthi bathathe umbono wesikhathi eside ogcina ubuqotho besikhwama sesikhwama sezimpesheni futhi ivikela abathengi ngokubanikeza isiqinisekiso sokuphepha lapho sebethatha umhlalaphansi kunokuba bathembele kuhulumeni eminyakeni yabo yakamuva.”