IKomiti eSigxina yezeziMali iyakumema ukuba uhlomle ngoMthetho osaYilwayo weNgxowa-mali yoMhlalaphantsi [B30 – 2020].
- Lo mthetho uyilwayo uza kuvumela amalungu engxowa-mali yomhlalaphantsi ukuba afikelele kuma-75% emali eyongileyo yomhlalaphantsi phambi kokuthatha umhlalaphantsi njengokhuseleko kwimali-mboleko yebhanki.
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Umthetho osayilwayo wePensions Amendment Bill oqwalaselwayo ngoku epalamente ungabangela umonakalo omkhulu kwishishini lomhlalaphantsi, utsho uGlenn Gamsy, umlawuli oyintloko weGIB Financial Services, umcebisi weengcebiso zemali kunye nomlawuli wengxowa-mali yomhlalaphantsi.
Lo mthetho usayilwayo, ocetywe yiDemocratic Alliance, uza kuvumela amalungu engxowa-mali yomhlalaphantsi ukuba afumane inxalenye yemali eyongileyo yomhlalaphantsi eyimali phambi kokuthatha umhlalaphantsi njengesiqinisekiso semali mboleko.
I-DA indulule ukuba uhlonyelwe lo mthetho ukuvumela amalungu engxowa-mali yomhlalaphantsi ukuba afikelele kwi-75% yemali eyongileyo yomhlalaphantsi njengesiqinisekiso semali mboleko yebhanki, endaweni yale meko yangoku apho amalungu anokusebenzisa imali yawo njengesiqinisekiso ukuze afumane imali mboleko yezindlu kuphela. .
UGamsy uthe nangona kukho imfuneko yokubonelela amakhaya ngofikelelo kwimali ukuze kuncitshiswe ukushokoxeka kwezemali - ngakumbi ngamaxesha apho abathengi baphantsi koxinzelelo olukhulu ngokwasezimalini - ukufumana imali eziinkozo kwiingxowa-mali zomhlalaphantsi kuya kuba nefuthe elibonakalayo kumanqanaba ogcino-mali lomhlalaphantsi.
"Ukuhoxiswa okuphezulu, kokubili kwivolumu kunye nombono wexabiso, kuya kuphazamisa kumanqanaba amaninzi.
“Ngaphandle nje kokwandisa umthwalo wolawulo kubalawuli beengxowa-mali zomhlalaphantsi, iziphumo eziqhubekayo zinkulu kwaye zinokuchaphazela uqoqosho xa kujongwa umda wotyalo-mali lwengxowa-mali yomhlalaphantsi kwiiprojekthi zeziseko ezingundoqo ezikhoyo nezicwangcisiweyo .”
UGamsy uthe eyona nto iphambili kwifemu yakhe lifuthe eliza kuba nalo kwiimali ezifumanekayo kumalungu xa ethatha umhlala-phantsi.
“Embindini wayo, umthetho wengxowa-mali yomhlalaphantsi uyilelwe ukukhusela imali eyongiwayo yomhlalaphantsi ukuqinisekisa ukuba abathengi bayakwazi ukugcina iindlela zabo zokuphila xa bethatha umhlala-phantsi. Ukucwangcisa ngobulumko umhlalaphantsi kunye nokonga kunokusindisa ubomi ngamaxesha apho iindleko zishiyekile kodwa kungekho ngeniso incinci okanye ingekho ngaphezulu.
Ukuphela komhlalaphantsi okhululekileyo eMzantsi Afrika
UGamsy uthe ngokwembali abemi boMzantsi Afrika banenkcubeko ephantsi yokonga kwaye kuqikelelwa ukuba kuphela phakathi kwe-6% ukuya kwi-8% yabasebenzi bonga ngokwaneleyo ukuze bathathe umhlala-phantsi ngokukhululeka.
Ukuvumela abathengi ukuba bafikelele kuma-75% emali yabo yomhlalaphantsi phambi kokuthatha umhlalaphantsi kuya kwenza kube nzima kubo ukugcina umgangatho wokuphila ofanelekileyo xa beyeka ukusebenza, utshilo.
Eyona nto yenza kube mandundu oku yinkcubeko yokuthengwa kwempahla, ukusetyenziswa ngokubonakalayo kunye nokwaneliseka kwangoko kwaye akukho ndlela yokuqinisekisa ukuba ukutsalwa kwemali kwingxowa-mali yomhlalaphantsi kuya kusetyenziswa ngokufanelekileyo.
“Lo ngumba ontsonkothileyo, kwaye sinolwazi oluphangaleleyo ngezoqoqosho nezopolitiko malunga nale ngxoxo. Nangona kunjalo, siyazi ngokulinganayo iimpembelelo ezinokuthi zibe khona emgceni. ”
Ingxowa-mali yomhlalaphantsi yi-asethi yemali eyenzelwe ukuthintela abathengi ukusuka kwiminyaka yokuthatha umhlalaphantsi ukuya phambili, utshilo uGamsy.
Wongezelela ngelithi akukho sizathu sokusebenzisa imali yomhlalaphantsi ukusombulula ingxaki ekhawulezileyo ukuba oku kubangela ukungakwazi ukuxhasa ngezimali indlela yokuphila emva kokuthatha umhlalaphantsi, nto leyo eza kubona imithwalo eyongezelelekileyo kwinkqubo yokhuseleko loluntu.
“Siyazi ukuba urhulumente usaqhubeka nokubandakanya iqela elibanzi labathathi-nxaxheba kulo mba, kwaye siyavuma ukuba kukho imfuneko engxamisekileyo yokubonelela ngenkxaso yexesha elifutshane, kodwa sibongoza abadlali ukuba bathathe uluvo lwexesha elide olugcina inkqubo isidima sesiseko sengxowa-mali yomhlalaphantsi kwaye ikhusela abathengi ngokubanika ukhuseleko oluqinisekisiweyo lomhlalaphantsi kunokuba baxhomekeke kurhulumente kwiminyaka yabo yamva.”