UMar 20 • Amazwana eMakethe • Ukubukwa okungu-2840 • Amazwana Off Ekubhekeni Ngokushesha Emakethe Yezindlu Yase-UK
I-UK's Building Societies Association (BSA) ibone ukuthuthuka kwemizwa yabathengi kudatha yabo yakamuva yezindlu. Nakuba ukukhathazeka okukhulu kwezakhamuzi eziningi zase-UK kuwukuntuleka kwemisebenzi okuphezulu kanye nokutholakala kancane kwemisebenzi, kubonakala sengathi abantu ababengakaze bakhathazeke ngaphambili sebeqala ukukhathazeka, ngezinyathelo eziqhubekayo zokunciphisa izindleko, futhi njengoba ibhizinisi liqhubeka nokunciphisa abasebenzi ababephephile emsebenzini wabo. imisebenzi noma abanamakhono akhethekile, sebeqala ukucindezeleka.
Esikhathini esedlule, lezi kwakuyizisebenzi ezibalulekile kumqashi ngakho inzuzo yayiphansi, kodwa laba basebenzi futhi bebazi ukuthi bayadingeka emakethe yemisebenzi, ngakho abazange bakhathazeke. Ngokusikeka okuqhubekayo, leli qembu elisha lezakhamizi zase-UK alibonisi izimpawu zokuxineka, njengoba bengazi ukuthi kuzodingeka babambe isikhathi esingakanani kule makethe yemisebenzi ukuze bathole isikhundla esizongena esikhundleni, uma kukhona okwenzekayo. Lo mthelela usuwonke ubeka phansi umnotho wonke.
Embikweni yakamuva, abathengi abaningi bathe balindele ukuthi amanani ezindlu anyuke ngo-2012, u-41% walabo abahloliwe uma kuqhathaniswa no-33% ekupheleni konyaka odlule. Inani labathengi ababika ukuthi manje yisikhathi esihle sokuthenga nalo libambelele ngokuphawulekayo, ngokulingana nesibalo sangoZibandlela wezi-2011 sama-44%. Lokhu kungcono kunalesi sikhathi ngonyaka odlule lapho u-41% walabo abahlolwa babecabanga ukuthi izimo zemakethe zazivuna ukuthengwa.
Ngaphandle kwalokhu kuthuthukiswa kuhlale kusobala ukuthi izivimbamgwaqo ezibalulekile zisesendleleni yabanikazi bezindlu bakusasa kanye nokukhula kulo mkhakha, hhayi okungenani ukwenyuka kokwesaba mayelana nokuphepha kokuqashwa. Lokhu kubalulwe njengesikhubekiso ngamaphesenti angama-56 kubo bonke abaphendulile, isuka ku-54% ngoDisemba 2011. Kulabo abahlolwa, u-17% uthe ubheke ukuthenga indawo maduze nje. Lokhu kwakhiwa ngabathengi bokuqala (6%), abanikazi bangaphambili abafuna ukuthuthela kwelinye ikhaya (8%) kanye nabatshalizimali bokuthenga ukuze bavumele (3%).
Izinhloso eziqine kakhulu zokuthenga zibonwa e-Wales, lapho u-23% wabaphenduli uthe bebefuna ukuthenga, ikakhulukazi abathengi bokuqala (14%). E-London u-22% wabaphenduli bahlose ukuthenga. Ngokuphambene, izinhloso eziphansi zokuthenga zarekhodwa eNtshonalanga Midlands naseMpumalanga ye-England njengoba nje u-13% wathi bahlose ukuthenga indawo esikhathini esizayo esiseduze.
U-62% walabo ababuziwe uthe sebenemizi yabo. Kulaba abangu-84% bathi abazimisele ngokufuduka maduze nje. Kunezinkomba zokuthi ingxenye yaleli qembu ngeke ihambe njengoba njengamanje ibhekene nezithiyo ezinkulu zokuthola imali yendlu entsha noma ukukhulisa idiphozithi. Kungenzeka ukuthi lokhu kungase futhi kubonise ukulingana okuncane noma kungabikho nhlobo endaweni yabo yamanje kwabanye. Leli qembu belikhathazeke kakhulu ngokuvikeleka kwemisebenzi, njengoba u-62% ucaphuna lokhu njengesithiyo, uma kuqhathaniswa nama-44% abanikazi abebefuna ukuthenga indawo maduze nje.
UPaul Brodhead, uMqondisi weNqubomgomo yokubolekwa kwezindlu kwa-(BSA) uthe:
Iningi lokuthengwa kwekhaya lenziwa ngoba umthengi ufuna kunokudinga ukuhambisa indlu. Lokhu kusho ukuthi imizwa yomthengi iyinkomba ewusizo ehamba phambili yomsebenzi wokuthengisa wesikhathi esizayo emakethe yezindlu.
Kuhle ukubona izinkomba ezithile ezinhle, ukuguqulwa kwentengo noma ukulindela ukushintsha kwentengo kungashukumisa umsebenzi nakuba kungezona izindaba ezinhle kubo bonke.
Abanye abahlaziyi balinde ukuthi imakethe ibuyele kwesijwayelekile, angiyena omunye wabo. Phela yini ngempela ejwayelekile? Uma ubheka emuva emashumini ambalwa eminyaka adlule kube izinto eziningi ezahlukene. Uma i-UK ingavuselela imisebenzi, khona-ke kunethuba elihle lokuthi imakethe yezindlu izowela emgqeni ngokushesha. Iningi leqembu elahlolwa, lingathenga futhi lingathenga uma linesiqiniseko somsebenzi elilijwayele.
bsimakethe yezindlu yase-uk
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Ukubheka Ngokushesha Emakethe Yezindlu Yase-UK
UMar 20 • Amazwana eMakethe • Ukubukwa okungu-2840 • Amazwana Off Ekubhekeni Ngokushesha Emakethe Yezindlu Yase-UK
I-UK's Building Societies Association (BSA) ibone ukuthuthuka kwemizwa yabathengi kudatha yabo yakamuva yezindlu. Nakuba ukukhathazeka okukhulu kwezakhamuzi eziningi zase-UK kuwukuntuleka kwemisebenzi okuphezulu kanye nokutholakala kancane kwemisebenzi, kubonakala sengathi abantu ababengakaze bakhathazeke ngaphambili sebeqala ukukhathazeka, ngezinyathelo eziqhubekayo zokunciphisa izindleko, futhi njengoba ibhizinisi liqhubeka nokunciphisa abasebenzi ababephephile emsebenzini wabo. imisebenzi noma abanamakhono akhethekile, sebeqala ukucindezeleka.
Esikhathini esedlule, lezi kwakuyizisebenzi ezibalulekile kumqashi ngakho inzuzo yayiphansi, kodwa laba basebenzi futhi bebazi ukuthi bayadingeka emakethe yemisebenzi, ngakho abazange bakhathazeke. Ngokusikeka okuqhubekayo, leli qembu elisha lezakhamizi zase-UK alibonisi izimpawu zokuxineka, njengoba bengazi ukuthi kuzodingeka babambe isikhathi esingakanani kule makethe yemisebenzi ukuze bathole isikhundla esizongena esikhundleni, uma kukhona okwenzekayo. Lo mthelela usuwonke ubeka phansi umnotho wonke.
Embikweni yakamuva, abathengi abaningi bathe balindele ukuthi amanani ezindlu anyuke ngo-2012, u-41% walabo abahloliwe uma kuqhathaniswa no-33% ekupheleni konyaka odlule. Inani labathengi ababika ukuthi manje yisikhathi esihle sokuthenga nalo libambelele ngokuphawulekayo, ngokulingana nesibalo sangoZibandlela wezi-2011 sama-44%. Lokhu kungcono kunalesi sikhathi ngonyaka odlule lapho u-41% walabo abahlolwa babecabanga ukuthi izimo zemakethe zazivuna ukuthengwa.
Ngaphandle kwalokhu kuthuthukiswa kuhlale kusobala ukuthi izivimbamgwaqo ezibalulekile zisesendleleni yabanikazi bezindlu bakusasa kanye nokukhula kulo mkhakha, hhayi okungenani ukwenyuka kokwesaba mayelana nokuphepha kokuqashwa. Lokhu kubalulwe njengesikhubekiso ngamaphesenti angama-56 kubo bonke abaphendulile, isuka ku-54% ngoDisemba 2011. Kulabo abahlolwa, u-17% uthe ubheke ukuthenga indawo maduze nje. Lokhu kwakhiwa ngabathengi bokuqala (6%), abanikazi bangaphambili abafuna ukuthuthela kwelinye ikhaya (8%) kanye nabatshalizimali bokuthenga ukuze bavumele (3%).
Izinhloso eziqine kakhulu zokuthenga zibonwa e-Wales, lapho u-23% wabaphenduli uthe bebefuna ukuthenga, ikakhulukazi abathengi bokuqala (14%). E-London u-22% wabaphenduli bahlose ukuthenga. Ngokuphambene, izinhloso eziphansi zokuthenga zarekhodwa eNtshonalanga Midlands naseMpumalanga ye-England njengoba nje u-13% wathi bahlose ukuthenga indawo esikhathini esizayo esiseduze.
U-62% walabo ababuziwe uthe sebenemizi yabo. Kulaba abangu-84% bathi abazimisele ngokufuduka maduze nje. Kunezinkomba zokuthi ingxenye yaleli qembu ngeke ihambe njengoba njengamanje ibhekene nezithiyo ezinkulu zokuthola imali yendlu entsha noma ukukhulisa idiphozithi. Kungenzeka ukuthi lokhu kungase futhi kubonise ukulingana okuncane noma kungabikho nhlobo endaweni yabo yamanje kwabanye. Leli qembu belikhathazeke kakhulu ngokuvikeleka kwemisebenzi, njengoba u-62% ucaphuna lokhu njengesithiyo, uma kuqhathaniswa nama-44% abanikazi abebefuna ukuthenga indawo maduze nje.
UPaul Brodhead, uMqondisi weNqubomgomo yokubolekwa kwezindlu kwa-(BSA) uthe:
Abanye abahlaziyi balinde ukuthi imakethe ibuyele kwesijwayelekile, angiyena omunye wabo. Phela yini ngempela ejwayelekile? Uma ubheka emuva emashumini ambalwa eminyaka adlule kube izinto eziningi ezahlukene. Uma i-UK ingavuselela imisebenzi, khona-ke kunethuba elihle lokuthi imakethe yezindlu izowela emgqeni ngokushesha. Iningi leqembu elahlolwa, lingathenga futhi lingathenga uma linesiqiniseko somsebenzi elilijwayele.
bsimakethe yezindlu yase-uk
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