Ukuqasha phezu kobunikazi: Inkinga yezindlu iyaqhubeka

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  I-Quantumrun Foresight
• October 30, 2023

Isifinyezo sokuqonda

Umkhuba wokuqasha phezu kobunikazi, obizwa nge-"Generation Rent," uyanda emhlabeni jikelele, ikakhulukazi emazweni athuthukile. Lokhu kushintshwa, okuthonywa yizici ezihlukahlukene zenhlalo-mnotho futhi kubhebhethekiswe yinkinga yezindlu, kuveza ushintsho ekuthandeni kwezindlu zabantu abadala ekuqashweni okuzimele kanye nokudeda kubunikazi bezindlu nezindlu zomphakathi. Ikakhulukazi ngemva kweNkinga Yezezimali yango-2008, izithiyo ezifana nokugunyazwa okuqinile kwendlunkulu kanye nezintengo ezikhuphukayo zezakhiwo uma kuqhathaniswa namaholo amile zivimbele ukuthengwa kwezindlu. Ngaleso sikhathi, abanye abantu abasha bakhetha imodeli yokuqasha ngenxa yokuguquguquka phakathi kwesiko ledijithali elikhulayo lokuzulazula kanye nezintengo eziqashisayo zasemadolobheni, naphezu kwezinselele ezihambisanayo ezifana nokubambezeleka kokwakhiwa komndeni kanye nokuchithwa kwemali kwabathengi ngenxa yezindleko eziphezulu zezindlu.

Ukuqasha ngaphezu kobunikazi bokuqukethwe

I-Generation Rent ibonisa intuthuko yakamuva emizileni yabantu abasha, okuhlanganisa nokwenyuka kwezindawo eziqashisayo ezizimele kanye nokwehla ngasikhathi sinye kobunikazi bezindlu nezindlu zomphakathi. E-UK, umkhakha oqashiwe ozimele (i-PRS) uye wanda ngokuhlalisa abantu abasha isikhathi eside, okwenza kube nokukhathazeka ngokungalingani kwezindlu. Kodwa-ke, leli phethini alifani nelase-UK. Kulandela I-Global Financial Crisis yango-2008, izinkinga zokuthola ubunikazi bezindlu kanye nokushoda kwezindlu zomphakathi kuholele ezinkingeni ezifanayo kulo lonke elase-Australia, New Zealand, Canada, United States, naseSpain. 

Ngabantu abahola kancane abathinteka kakhulu yinkinga yezindlu. Ucwaningo lwe-Generation Rent lugxile kakhulu kulesi simo ngaphandle kokugqamisa inani elandayo labaqashi abahola kancane abazimele abebefaneleka ukuthola izindlu zomphakathi esikhathini esidlule. Noma kunjalo, ukuqasha phezu kobunikazi sekuqala ukwanda kakhulu kunangaphambili. Umuzi owodwa kwemihlanu e-UK manje uqasha ngasese, futhi laba baqashi baya ngokuya baba bancane. Abantu abaneminyaka engama-25 kuya kwengama-34 manje bahlanganisa amaphesenti angama-35 emindeni eku-PRS. Emphakathini obeka iprimiyamu kubunikazi bezindlu, inani elandayo labantu abaqasha ngokuzithandela nangokungafuni esikhundleni sokuthenga amakhaya liphathelene ngokwemvelo.

Umthelela ophazamisayo

Abanye abantu bayaphoqeleka ukuthi baqashe kunokuthi babe nezindlu ngoba sekunzima ukuthola imali yokuthenga indlu. Esikhathini esidlule, amabhange ayezimisele kakhulu ukuboleka imali kubantu abanamaphuzu esikweletu angaphansi kokuphelele. Kodwa-ke, selokhu kwaba nenkinga yezezimali ngo-2008, izikhungo zezezimali seziqine kakhulu mayelana nezicelo zokubolekwa imali. Lesi sivimbamgwaqo sesenze kwaba nzima ukuthi abantu abasha bangene esitebhisini sezakhiwo. Esinye isizathu sokwenyuka kwerenti ukuthi amanani ezindlu akhuphuke ngokushesha kunamaholo. Ngisho noma abantu abasha bengakwazi ukuboleka imali, bangase bangakwazi ukukhokhela ukukhokha nyanga zonke. Kwamanye amadolobha, njengaseLondon, amanani ezindlu aye akhuphuka kangangokuthi ngisho nabahola kancane bakuthola kunzima ukuthenga indawo. 

Ukwenyuka kokuqashisa kunomthelela emakethe yezakhiwo kanye namabhizinisi. Isibonelo, isidingo sezindawo eziqashisayo cishe sizokhuphuka, okuholela emazingeni aphezulu. Ngisho nokuqasha indawo yokuhlala esezingeni kuzoba inselele. Kodwa-ke, amabhizinisi abhekelela abaqashi, njengokuqashwa kwefenisha nezinsizakalo zokuthutha izindlu, kungenzeka enze kahle ngenxa yalesi simo. Ukuqasha phezu kobunikazi nakho kunemithelela emphakathini. Abantu abaningi abahlala ezindaweni eziqashiwe bangadala izinkinga zomphakathi, njengokuminyana nobugebengu. Ukuphuma ezindlini njalo kungenza kube nzima ngabantu ukubeka izimpande emphakathini noma bazizwe bebalulekile. Naphezu kwezinselele, ukuqasha kunikeza izinzuzo ezithile ngaphezu kobunikazi. Isibonelo, abaqashi bangahamba kalula njengoba kudingeka lapho kuvela amathuba emisebenzi nawebhizinisi. Abaqashi futhi banokuguquguquka kokuhlala ezindaweni abangeke bakwazi ukuthenga kuzo izindlu. 

Imithelela ebanzi yokuqasha phezu kobunikazi

Imithelela engaba khona yokuqasha phezu kobunikazi ingase ihlanganise: 

• Intsha eningi ekhetha ukuphila impilo yokuzulazula, okuhlanganisa nokushintshela emisebenzini yokuzimela. Ukwanda kokuduma kwempilo yedijithali ye-modud okwenza ukuthenga amakhaya kungakhangi kanye nesikweletu esikhundleni sempahla.
• Izintengo zerenti ziyaqhubeka nokukhuphuka emadolobheni amakhulu, okuthena amandla abasebenzi ukuthi babuyele ehhovisi.
• Intsha ikhetha ukuhlala nabazali bayo isikhathi eside ngoba ingakwazi ukuqasha noma ukuba nendlu. 
• Ukwehla kwenani labantu ngesivinini njengoba ukungakwazi ukukhokhela izindlu kuba nomthelela ekwakhiweni komndeni kanye nekhono lokukhulisa izingane.
• Umsebenzi wezomnotho owehlisiwe njengephesenti elikhulayo lamandla okusebenzisa umthengi adluliselwe ezindlekweni zezindlu.

Imibuzo ongaphawula ngayo

• Yiziphi izinqubomgomo uhulumeni angazikhuthaza ukuze kwehliswe izindleko zezindlu?
• Ohulumeni bangabasekela kanjani abantu abasha ukuze babe namakhaya?