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Ama-Skyrockets Okuboleka Ikhadi Lesikweletu Lase-UK - Ephakeme Kakhulu Kusukela ngo-2005

Ukuboleka ikhadi lesikweletu lase-UK

IQINISO-HLOLA ISIQINISEKISO (Okubhekwayo): [Izibalo ezisemthethweni: 2 imithombo] [Iqonde ngqo emthonjeni: 1 umthombo]

| nguPeach Corrigan - Ikakhulukazi kuze kufike ekukhuphukeni kwezindleko zokuphila, ukuboleka amakhadi esikweletu e-UK kuqophe izinombolo zakhona eziphezulu kusukela ngo-Okthoba 2005.

In isici ekusebenziseni ikhadi lesikweletu phakathi kwabathengi base-UK, u-Kristy Dorsey ubika ukuthi ukuboleka amakhadi esikweletu kukhuphuke ngo-£740 million inyanga nenyanga, okwakungaphezulu ngo-13% kunonyaka odlule.

Ngakho-ke sinalokho engqondweni, lesi sihloko sizohlinzeka ngombono ojulile wokuthi ukuboleka kwekhadi lesikweletu lase-UK kufinyelele kanjani phezulu.

Ukuboleka kwekhadi lesikweletu lase-UK kukhule ngokushesha okungaka

Abantu abasengozini ababhekene nokungasebenzi noma abahola amaholo anganele yizizathu ezibalulekile ezenza siqhubeke nokubona isidingo sesikweletu. Njengokwethu isihloko esidlule ngezindaba zezombangazwe e-UK kubike ukuthi, owayenguNdunankulu u-Boris Johnson uchaze ukuthi uxhume kanjani izakhamizi ezingama-500,000 ngemisebenzi ngohlelo lwakhe lwe-Way to Work. Nokho, ngokweHhovisi Lezibalo Zikazwelonke, bangu-148,000 kuphela abantu ababefuna umsebenzi ngaleso sikhathi. Ukwengeza, labo abanemisebenzi babengenawo umholo ofanele wokubhekana nezindleko zokuphila ezikhuphukayo, okusekela isidingo sokuboleka amakhadi esikweletu.

Ukungavikeleki kwezezimali kuye kwakhanyisa izithiyo ekuthengeni, futhi ukusetshenziswa kwekhredithi kuxhume abathengi kumazinga enzalo akhuphukayo. Esicini esibaluliwe, u-Dorsey uphinde wathi imali mboleko yomuntu siqu engavikelekile kanye ne-overdraft, ebhekwe izikweletu ezibanzi zabathengi, inyuke ngo-6.9%. Futhi nakuba amakhaya aphila kangcono abeka eqhulwini ukwakha imali eyongayo ukuze avikele isimo esibucayi somnotho esikhona manje, leyo enezimali eziphansi isalokhu isengozini. Eqinisweni, ukuboleka kuzo zonke izinhlobo zesikweletu somthengi kugcinwe ngesilinganiso se-£ 1 billion kusukela ngoFebhuwari 2020.

Esinye isici esikhuthaze ukweqa ekubolekeni?

Ukwehla kwamandla emali okuphezulu.

UMichael Race uchaza ukuphendukela kwezikweletu okusabalele njengendlela yokuthi imindeni ikwazi ukubhekana nezinga eliphezulu lokwehla kwamandla emali. NgoJuni, ukwehla kwamandla emali e-UK kwehle kwafinyelela ku-9.4%. Kusukela lapho, amanani kaphethiloli anyuke ngo-18.1p ilitha, kanti imikhiqizo yobisi efana nobisi inyuke ngo-5p uma kuqhathaniswa nonyaka odlule. Amakhadi esikweletu abuye abonakale njengenketho elula yokuhlangabezana nezinkokhelo zanyanga zonke zokudla namandla.

Ngaphezu kwalokho, izikhungo eziningi manje zinikeza izinketho zokukhokha ezingenakheshi, ezivumela abaxhasi ukuthi bakhokhe besebenzisa amakhadi. Imishini yokukhokha amakhadi eselula ezinye zezikhuthazi ezinkulu nezivumela abantu ukuthi bakhokhe ngesikweletu. Ngaphandle kokuthi kube lula ukukhokha ngekhadi, abathengi baphinde bakhethe ukukhokha imali engenamali ukuze bathole imiklomelo namathuba okubuyisela imali. Isicelo seCashback siyabonakala njengoba singase sisetshenziselwe izaphulelo ngenkathi uthenga igrosa, okungasiza ukwehlisa izindleko zezakhamizi zase-UK ngokuhamba kwesikhathi. Nokho, lapho singalawulwa futhi sihlolisiswa, isikweletu sekhadi lokuthenga ngesikweleti singanqwabelana ngokushesha, senze inzalo ephakeme.

Ngenxa yesidingo sokusetshenziswa kwezikweletu, abathengi banamuhla bakhathazekile ngokuthi ukwehla kwamandla emali kuzoba okungakanani ebusika obuzayo.

Ukuqagela mayelana nokusetshenziswa kwekhadi lesikweletu lase-UK

Umbono wesikweletu somthengi usalokhu untekenteke. Njengamanje, iBhange LaseNgilandi (BOE) liphikisana ngokuthi liphushe yini noma cha Ukukhuphuka kwamaphuzu angama-75 ngenani lenzalo elimile. Inhloso ye-BOE ukubuyisela ukuzethemba kwabatshalizimali ezimpahleni zaseBrithani. Kodwa uma lokhu kukhushulwa kungenzeka, imindeni izobhekana nezinselele ezengeziwe ekwabeni imali yayo.

Abathengi abaningi abanenkinga yezimali kuzodingeka baphendukele ezikweletini ukuze balawule izindleko zansuku zonke. Isibonelo, imindeni eminingi izocelwa ukuthi isebenzise amandla engeziwe ebusika. Esicini esibaluliwe, uDorsey uchaza ukuthi ukwehla kwamandla emali kulindeleke ukuthi kudlule ama-22% ekuqaleni konyaka ozayo njengoba amanani kagesi ekhula.

Konke lokhu kubhekwe, izibalo zokuboleka e-UK zizoqhubeka nokukhuphuka.

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