The Peninsula Times - I-Reserve Bank yaseNgilandi Iphakamisa Amaqiniso Ezingxenyana Ku-4% Ngenxa Yokukhuphuka Kwezinto

I-Reserve Bank yaseNgilandi (Bank of England) isiqinisekise ukuphakamiswa kwamaqiniso ezingxenyana (interest rates) ngesigamu sephesenti, okwenza kube ngu-4%. Lokhu kusho ukuphela kwesikhathi sokuzinza esihlale iminyaka emithathu. I-Committee Yezinqumo Zomnotho (Monetary Policy Committee) yethule lezi zinqumo ngenxa yokukhathazeka ngokuthi izimpi ezihlukene, ikakhulukazi eMzantsi Mpumalanga, zingadala ukukhuphuka okude kwezinto.

Lokhu kwanda kokuqala kusukela ngo-Agasti 2023. Emva kweminyaka emithathu lapho i-base rate yayiphakeme ku-5.25%, yehla ibe ngu-3.75% futhi ihlale kanjalo cishe unyaka owodwa. Manje, ukushintsha kuya ku-4 kubonisa ukuthi abaphathi bamaqiniso bazama ukulinganisa ukukhula komnotho nokulawula ukukhuphuka kwezinto.

Abantu abaningi kakhulu abazothinta ngalezi zinqumo bangaba ngu-510,000 abanikazi bezindlu aseNgilandi abasebenzisa ama-tracker mortgages. La ma-loan axhumene ngqo ne-base rate, okusho ukuthi imali yosuku nosuku izokhuphuka ngokushesha njengoba kwenyusa inani lokuthola imali. Abanikazi bezindlu namabhizinisi asebenzisa ama-variable mortgage deals nabo bazobona ukukhuphuka kwemali yokuboleka, nakuba isikhathi nenani lishintsha kuye ngokuthi amabhange aphendula kanjani.

Ngokwemininingwane evela ku-UK Finance, abanikazi bezindlu base-tracker bangalindele ukuthi imali yabo yosuku nosuku ikhupheke ngo-£31. Abanye abase-variable deals bangabona ukukhuphuka okuncane kakhulu, okungu-£14. Kodwa-ke, iningi elikhulu lama-mortgage aseNgilandi, okungu-87%, lixhomeke ku-fixed-rate agreements. Lokhu kusho ukuthi abanikazi bezindlu abangu-2.3 million bazothola izibuyekezo zamaqiniso amasha ngo-2027 lapho ama-contract ephela.

Injongo ye-Bank of England ukulawula i-inflation, okusho ukuthi izinga lokukhuphuka kwezinto ezithengiswayo. Umbono wabo uthi ngokuphakamisa ama-interest rates, ukuthola imali kuba yimali enkulu, okunciphisa ukusetshenziswa kwabantu namabhizinisi. Lokhu kwehla kokucela kuzobangela amabhizinisi ukuthi anikeze izinto ngezibiza ezincane, okuzonciphisa i-inflation.

Leli qiniso lisebenziseke nakwazinyathelo zangaphambili lapho i-Russia yashaya u-Ukraine. Manje, impilo phakathi kwe-United States, i-Israel, ne-Iran idale ukushintshashintsha okukhulu emakethe yamandla. Abacabangi abaningi bafuna ukwazi ukuthi lezi zinqumo ziyasebenza yini ekulawuleni i-inflation edalwa yizimpi.

I-Bank of England iyavuma ukuthi ayikwazi ukumisa izimpi, kodwa inganciphisa ukukhuphuka kwezinto okubangelwa yizo. Injongo yokugcina ukuthi lezi zinto azihlali isikhathi eside emakethe.

Noma ama-interest rates aphezulu enza kube nzima kuboleki, anenzuzo kubagcini imali. Amabhange namabhizinisi angaphakathi kwezindawo zokuhlala angaphakamisa ama-interest rate ku-accounts zokugcina, okuvumela abantu ukuthi bathole inzuzo enkulu emalini yabo.

Izinkundla ezinikeza izeluleko zezimali njenge-Money Saving Expert nezinye izindawo zokuthelekisa izinto ziyabuyekeza izeluleko ukuze abantu bazifunde ukuthi bangaziphatha kanjani. Abanikazi bezindlu bazodinga ukubheka kabusha imali yabo lapho ama-fixed-rate deals ephela.

Isinqumo se-MPC sibonisa ukuthi i-Bank isabalale ngokucophelela emhlabeni ongajwayelekile. Ngokuphakamisa ama-rates, ibonisa ukuthi iqinisekile ekulawuleni izinto, nakuba iyavuma ukuthi ayikwazi ukuxazulula izimpi.

Imiphumela yesikhathi eside emakethe yezindlu nasekusetshenzisweni kwabantu izoncika ekutheni izinga lamandla liyazinzisa kangakanani futhi lokhu kuphakamiswa kwe-rate kuyayeka yini ukucela kwangaphakathi.

(P.Derckson--TPT)