Riaan 
i-Hong Kong
CNN
–
Imakethe yezakhiwo eChina icindezelekile kangangokuthi amanye amabhange asebenzisa izinyathelo ezinqala, okuhlanganisa nokuvumela abantu ukuthi bakhokhe imali ebolekiwe baze babe neminyaka engama-95 ubudala.
Amanye amabhange emadolobheni iNanning, Hangzhou, Ningbo kanye neBeijing andise umkhawulo weminyaka engaphezulu kwezikweletu zezindlu wafinyelela phakathi kuka-80 no-95, ngokusho kwemibiko eminingi yezindaba zombuso. Lokho kusho ukuthi abantu abaneminyaka engama-70 sebengakwazi ukuboleka imali ngokuvuthwa okuphakathi kweminyaka eyi-10 nengama-25.
Imakethe yempahla yaseChina iphakathi ukwehla okungokomlando. Izintengo zezindlu ezintsha zehle izinyanga eziyi-16 eziqondile ngoDisemba. Ukuthengiswa konjiniyela abaphambili bezwe abayi-100 ngonyaka odlule bekungama-60% kuphela wamazinga ka-2021.
Abahlaziyi bathi imingcele yeminyaka emisha, engakabi yinqubomgomo kazwelonke esemthethweni, ihlose ukuphefumula emakethe yezakhiwo zezwe ngenkathi kubhekwa abantu baseChina abaguga ngokushesha, kusho uYan Yuejin, umhlaziyi wezakhiwo kwa-E-House China Holdings, a. inkampani yezezindlu, kunothi locwaningo lwakamuva.
“Eqinisweni, iyithuluzi lenqubomgomo ukugqugquzela isidingo sezindlu, njengoba kungadambisa umthwalo wokukhokha izikweletu futhi kukhuthaze ukuthengwa kwezindlu,” engeza.
Imigomo emisha ye-mortgage ifana “nemalimboleko edluliselwe.” Uma umboleki osekhulile engakwazi ukukhokha, izingane zakhe kufanele ziqhubeke nesikweletu sendlu, esho.
Ngenyanga edlule, iChina ibike ukuthi yayo inani labantu lancipha ngo-2022 ngokokuqala ngqa eminyakeni engaphezu kwengama-60, ingqopha-mlando entsha enkingeni yezibalo yabantu ekhula ngamandla enomthelela omkhulu ekuncipheni komnotho walo. Isibalo sabantu abaneminyaka engu-60 noma ngaphezulu sinyuke safinyelela ku-280 million ekupheleni konyaka odlule, noma u-19.8% wabantu.
Iminyaka yobudala yomboleki wendlu kanye nobude bendawo yokuhlala akufanele idlule iminyaka engama-70, ngokwemithetho yangaphambilini eshicilelwe umlawuli wamabhange. Isilinganiso seminyaka yokuphila yaseChina sicishe sibe ngama-78.
I-China Banking and Insurance Regulatory Commission ayizange iphawule esidlangalaleni mayelana nemigomo emisha.
Kodwa amagatsha amabhange ezweni lonke azibekela eyawo imigomo kulezi zimali ezibolekiwe ezivela kwamanye amazwe.
Ngokubika kweBeijing News, igatsha leBank of Communications kuleli dolobha lithe ababolekayo abaneminyaka engu-70 bangakwazi ukuboleka izindlu ezihlala iminyaka engama-25, okusho ukuthi umkhawulo weminyaka engaphezulu kwezikweletu zabo usunyusiwe wafinyelela ku-95.
Kodwa futhi kunezimfuneko: Isikweletu sendlu sidinga ukuqinisekiswa yizingane zomboleki, futhi iholo lazo lanyanga zonke lihlangene kufanele libe okungenani kabili inkokhelo yemali mboleko yanyanga zonke.
Ngokuhlukana, igatsha le-Ctic Bank lengeze umkhawulo weminyaka ephezulu emalini ebolekiwe yaba ngu-80, leli phepha lisho, licaphuna umphathi wekhasimende lasebhange.
Izingcingo eziya emagatsheni aseBeijing e-Ctic Bank kanye neBhange Lezokuxhumana aziphendulwanga.
UHong Hao, isazi esikhulu sezomnotho kwa-Grow Investment Group, uthe lesi yisinyathelo “esinzima” futhi “kungaba iqhinga lokukhangisa ukuheha abantu abadala ukuthi bakhokhe. [mortgages] okwesizukulwane esisha.”
U-Yan ovela kwa-E-House uthe abahlomuli abakhulu kulokhu kuthutha kungase kungabi abantu abadala, kodwa ababolekayo abaneminyaka ephakathi kuka-40 no-59. Ngaphansi kweminyaka yokukhokha enwetshiwe, labo bantu bangathola imali yokubolekwa imali iminyaka engu-30 – ubude obude obuvunyelwe China.
Uma kuqhathaniswa nemigomo yangaphambilini, kusho ukuthi labo ababolekayo bangakhokha kancane inyanga ngayinye.
“Ngokusobala kuyindlela yokunciphisa umthwalo wokukhokha izikweletu,” kusho uHong.
Ngokwezibalo ezenziwa yi-E-House, uma ibhange lelula umkhawulo weminyaka engaphezulu ube ngu-80, ababoleki abaneminyaka esukela kwengama-40 kuye kwengama-59 bangathola iminyaka eyi-10 eyengeziwe emalini yabo yokubolekwa. Uma sicabanga ukuthi imali ebolekiwe yabo yi-yuan eyisigidi ($145,416), inkokhelo yabo yanyanga zonke ingase yehliswe ngo-1,281 yuan ($186), noma ngo-21%.
Imizi yaseShayina ikhule yaba manqikanqika ukuthenga amakhaya amasha ngonyaka odlule, njengoba izindlela ezinqamulelayo ze-Covid, ukwehla kwentengo yezindlu kanye nokwenyuka kokuntuleka kwemisebenzi kudikibalise abangaba abathengi. Ngehlobo eledlule, kuyaphikisana nalokho kwaqhuma emadolobheni amaningi zadlalwa ngabantu abenqaba ukukhokha imali yokubolekwa ezindlini ezingakaqedwa ukwakhiwa, okuphinde kwaba nomthelela omubi emakethe.
Iziphathimandla zikhiphe inqwaba yezinyathelo zokuvuselela ukuzama ukuvuselela imakethe yezindlu, okuhlanganisa ukuncishiswa okuningana kumazinga okubolekisa futhi izinyathelo ukuze kudambiswe inkinga yemali yokukhokha konjiniyela – ukuze bakwazi ukuqalisa kabusha ukwakhiwa okumile futhi balethe izindlu ezidayiswe ngaphambilini kubathengi ngokushesha okukhulu.
Ngaphandle kweBeijing, amanye amabhange aseNanning, inhloko-dolobha yesifundazwe iGuangxi, anyuse umkhawulo weminyaka yobudala ebolekiwe waba ngu-80, ngokusho kwephephandaba elisemthethweni ledolobha. Nanguo Zaobao.
Emadolobheni asempumalanga e-Ningbo nase-Hangzhou, ababolekisi bendawo abambalwa bakhangisa imikhawulo yeminyaka engama-75 noma engama-80, ukuphumula emithethweni yangaphambilini, ngokwemibiko ephethwe uhulumeni. Ningbo Daily futhi I-Hangzhou Nsuku zonke.
“Uma umenzi wesicelo emdala kakhulu ukuthi angahlangabezana nemfuneko yokuboleka imali, bangaba nezingane zabo njengomnikezeli wemali,” kucashunwa umbolekisi.
Kepha uWang Yuchen, ummeli wezindlu e-Beijing Jinsu Law Firm, uxwayise lezi zindlu ezibolekiwe “ziyingozi.”
Kuyaqondakala ukuthi amadolobha amaningi azama ukuvuselela izimakethe zawo zezindlu ngokunciphisa ukukhokhwa kwezikweletu zanyanga zonke futhi afake abantu abadala abengeziwe echibini labathengi bezindlu, esho ehlaziya okubhaliwe ku-akhawunti yakhe ye-WeChat.
Kodwa abantu asebekhulile abakwazi ukukhokha imali. Ngakolunye uhlangothi kungase kuphazamise izinga lempilo yabo ebudaleni, njengoba beqhubeka nokuthwala intaba yezikweletu zezindlu basebenzela ibhange kuze kube umzuzu wokugcina wokuphila kwabo,” usho kanje. Ngakolunye uhlangothi, izingozi ezihlobene nazo zingadluliselwa ezinganeni zabo, zandise ingcindezi yazo yezezimali.
“Kwabanye abathengi bezindlu, ukukhetha le ndlela yokuthenga umuzi mhlawumbe kungenxa yokuntula kwabo imali. Kodwa kuyingozi ukwenza lokho ngalesi sikhathi,” usho kanje, wengeza ngokuthi imakethe yezakhiwo isesimweni esibi futhi uhulumeni usasebenza ukunqanda ukuqagela.
