The Peninsula Times - Umphakathi KaCarney Ubeka Umkhawulo Wama-Rand Amayizigidi Eziyisithupha KumaMortgage

Umphakathi wezimali kaNgqongqoshe Wasekhaya uMark Carney ubeka phambili umgomo wokwandisa amathuba okuthola amaMortgage anikezwe isikhathi sokubuyiselwa esingu-30 emakethe yaseCanada. Lezi zinhlelo zokushintsha izindlela zezimali zihloselwe ukunceda abathengi abanemali yokukhokha okungaphezulu kuka-20%, futhi zikhombisa ushintsho olukhulu ekufinyeleleni ezindlini.

Ngaphansi kwalezi zinhlelo ezintsha, amabhange azovunyelwa ukuthi aqinisekise amaMortgage ezindlu ezinamanani afika ku-$1.5 million. Lokhu kuzokwenzeka kuphela uma okungenani umuntu oyedwa esithengisayo eyiqembu lokuqala lokuthenga indlu, noma uma indlu yakhiwe ngokusha. Ngokwamanje, imithetho yezimali yasefederal ivumela kuphela izikhathi zokubuyiselwa ezingu-25 futhi imkhawulo wamanani wezindlu ungama-$1 million.

Umkhakha wezimali uthi ukwandiswa kwalezi zinhlelo kuzosiza ekukhuliseni ukuncintisana phakathi kwamabhange, okungaholela ekutheni abathengi banezinketho eziningi. Lokhu kubalulekile kakhulu emadolobheni anamanani aphezulu ezindlini njengeMetro Vancouver neGreater Toronto, lapho amanani ezindlu ephakeme kakhulu kusukela ngesikhathi se-pandemic.

Lezi zinguquko ziyalandela ezinye izinhlelo ezithathwe ngoDisemba 2024, lapho umkhawulo wamanani wezindlu wanda ku-$1.5 million kubathengi abanemali encane yokukhokha. Nakuba abathengi abanemali enkulu bengase benze amaMortgage angaqinisekisiwe anesikhathi eside ngokwezinqumo zamabhange, lezi zinhlelo ezintsha zizovula umnyango kubathengi abaningi.

Ukubuyisela imali ngesikhathi esingu-30 kunamabili angu-25 kuvame ukwehlisa imali yenyanga kodwa kungakhuphula inani eliphelele lezinkokhelo zezibalo. Lokhu kuhlukile nesikhathi isivumelwano somthetho esisebenza ngaso.

Ngaphezu kwalokho, umphakathi uhlose ukwandisa ukucacisa kwamanani ezikweletu. I-Bank of Canada izocacisa idatha enemininingwane mayelana namazinga ezibalo ukuze abathengi bakwazi ukuqhathanisa izinkokhelo. Futhi, i-Canada Revenue Agency (CRA) izothola amandla omthetho okunikeza insizakalo yokukuqinisekisa imali engenayo yabathengi.

Le nsizakalo, etholwa ngemali engu-$13 million ezinyangeni ezintathu eziqala ngo-2027/2028, izosiza amabhange ukuthi aqinisekise imali yabathengi ngokushesha nangempumelelo, futhi inciphise ukukhohlisa. Emva kwesigaba sokuqala sokwakhiwa, le nsizakalo izotholwa imali yayo ngamabhange ngezinkontileka.

Umphakathi uzoxoxa nemikhakha yezimali mayelana nokulinganisa izibhalo zokukhokha ngaphambi kwesikhathi. Lezi zibhalo zivame ukuboshwa uma umuntu ekhokha indlu ngaphambi kokuphela kwesikhathi noma edlula imingcele yokukhokha okungekho emthethweni.

(P.Ngobeni--TPT)