Riaan 
I-repo rate manje isingu-8.25% ngemuva kokwenyuka kwakamuva ngamaphuzu angama-50 okwenza irandi lehle lafinyelela ku-R19.73, libi kakhulu kunangesonto eledlule lapho iMelika ixwayisa iNingizimu Afrika ngokuhwebelana neRussia ngezikhali.
Izinga lerepo likhuphuke ngamaphoyinti angu-4.75 kusukela ngoNovemba 2021 ngenkathi lime ku-3.5%. Abathengi abathenge izindlu noma izimoto ngaleli zinga eliphansi, manje sebedonsa kanzima ukuze baziphilise. Isibonelo, ukube ubunemali ebolekiwe yomuzi ka-R1 million ngaphambi kokuba lo mjikelezo wokuhamba ngezinga lenzalo uqale, ubuyobe ukhokha u-R7 753 nyanga zonke. Manje uzokhokha u-R10 837 ngenyanga, u-R344 ngaphezulu kwenyanga edlule kanye nesamba esingu-R3 084 eminyakeni emibili edlule.
FUTHI OKUBOMVU: Izinga le-Repo likhuphuke ngamaphoyinti angama-50 – eliphakeme kakhulu kusukela ngo-2009
Yize osomnotho baqale balindele ukwenyuka ngamaphuzu angama-25 base beyishintsha yaba ngamaphoyinti angama-50 ngesikhathi ukucinywa kukagesi kuba kubi kakhulu futhi irandi lawela edoleni ngenxa yezinsolo zokuthi kunesivumelwano sokuthenga izikhali neRussia, usomnotho ozimele uProf. Bonke Dumisa uthi iMonetary Policy Committee (i-MPC) idlulele phambili ngokukhuphuka kwamaphuzu angama-50.
“Irandi lehle kakhulu ngendlela engakaze ibonwe ngemuva kwesimemezelo sokwenyuswa kwamaphuzu angama-50, lisuka ku-R19.32 ekuseni liqhathaniswa nedola laseMelika laya ku-R19.65 ngo-3 ntambama no-R19.73 ngo-6 ntambama.”
Ubalule nokuthi irandi lisuke ku-R23.85 liqhathaniswa noPondo wase-UK namhlanje ekuseni laya ku-R24.29 ngo-3:45 ntambama lasuka ku-R20.74 liqhathaniswa ne-Euro namhlanje ekuseni laya ku-R21.08 ngo-3:45 ntambama. Uthi: “Sisenkingeni enkulu.
IRandi belivele linengcindezi
Iqembu le-Economic Research, i-Oxford Economics Africa, lithi irandi belivele lingaphansi kwengcindezi enkulu ngaphambi komhlangano wakamuva we-MPC futhi lehlele ezingeni elibuthakathaka kunawo wonke emizuzwini embalwa ngemuva kokuphothulwa komhlangano we-MPC.
“I-Sarb ibhekene nesimo esingenakwenzeka. Okungenani ngokunyuka kwezinga lenani elingu-1.5 ppts okusazohlungwa ngokugcwele emnothweni wangempela kanye nesibikezelo sokwehla kwamandla emali kwe-CPI ukuze sibuyele kubhendi eqondiwe yokwehla kwamandla emali ye-Sarb ekupheleni kwengxenye yokuqala ka-2023, kanye nesimo sokukhula esibuthakathaka, izinga lenzalo elengeziwe. ukwanda kungase kube nemingcele kakhulu.”
U-Arthur Kamp, isazi sezomnotho esiyinhloko kwaSanlam Investments, uthi izinto ezimbili eziyingozi kakhulu emazingeni enzalo izinguquko erandini kanye nemiphumela yemihlangano ezayo ye-US FOMC.
“Intuthuko yakamuva emakethe yohlobo lwemali ibaluleke kakhulu, njengoba ukwehla kwerandi kungase kudlulele kulokho okubizwa ngokuthi imiphumela yomzuliswano wesibili lapho umthelela wokuqala wamanani aphezulu okuthenga kwamanye amazwe ukhuliswa yizindleko zokukhiqiza eziphakeme kanye noma izimfuno zamaholo.
“Ngakho-ke, mayelana nokuthi iBhangengodla liyaxwayisa ngokuthi uma kubhekwa ubungozi bokwehla kwamandla emali, izidingo ezinkulu zezimali zasekhaya nezangaphandle kanye nokucinywa kukagesi, kungase kubonakale sengathi ubuthakathaka bemali. Lokho bekungaphambi kokuba irandi lehle kakhulu ntambama.”
FUNDA FUTHI: Nakuba ukwehla kwamandla emali kwehle ngo-Ephreli, amanani entengo asashunqa
Uveza ukuthi iBhangengodla lisabela ekwenyukeni kwamandla emali okuba buthaka berandi, kunokunyakazisa izinga lokushintshisana ngokwalo.
“Sekukonke, ngeke kuqinisekiswe ukuthi sesifike esicongweni somjikelezo wokukhuphuka kwezinga lenzalo. Okuningi kuzoncika entuthukweni yerandi kanye nemithelela yalo engase ibe khona ekwenyukeni kwamandla emali, kuyilapho ibhange lizimisele ukubona ukuphakama kokwehla kwamandla emali okulindelwe kulinganiselwe. Noma kunjalo, naphezu kwezingozi, lokhu kusengenzeka. ”
Ukulawula ukwehla kwamandla emali
U-Luigi Marinus, umphathi wephothifoliyo kwa-PPS Investments, uthi ingxenye yesizathu esenza i-MPC iqonde izinga lokukhuphuka kwamanani emali elingu-4.5% kube ukuletha ukulinganiswa kokulindelwe kwamandla emali.
“Ukwehla kwamandla emali okunamathelayo ku-7% kanye nesibikezelo sokuthi izinga lika-4.5% lizofinyelelwa kuphela ngekota yesibili ka-2025 kudale ukukhathazeka ngokuthi ukwehla kwamandla emali okulindelekile akunciphisi. Imithelela eqondile esebenzayo iwumphumela ezidingweni zamaholo kanye nobuthaka obuqhubekayo berandi. I-MPC isalokhu ibhekile naphezu kwalokhu kukhathazeka, okungenzeka ngenxa yokukhula kwe-GDP. “
UProf. Raymond Parsons, isazi sezomnotho e-NWU Business School, uthi ngokuwa okukhulu kwakamuva kwerandi, bekunzima ukubona ukuthi i-MPC ibingahlala kanjani inganyakazi naphezu kwezimo ezishaqisayo zokwehla kwamandla emali.
“Izindleko zokuboleka manje seziphakeme kakhulu kusukela ngo-2010. Ukuze kuncishiswe ukwehla kwamandla emali ohlelweni, inqubomgomo yezimali ngokuhamba kwesikhathi yenza ababolekisi babe novalo, izikweletu zabathengi kanye nezamabhizinisi zibize kakhulu, amafemu angabi sengozini kakhulu futhi ameme ukuntuleka kwemisebenzi okuza ngezindleko, okungenani. esikhathini esifushane. Ukuzivumelanisa nezimo ezishaqisayo, njengokwehla okukhulu kohlobo lwemali, nakho akulula noma akubuhlungu.”
FUNDA FUTHI: Ubuhlungu obungaphezulu kwerepo rate kubantu baseNingizimu Afrika kulindeleke kuleli sonto
Uveze ukuthi kunezinto zokulungisa izinto emnothweni ezibonakala zisobala, ezihlanganisa ngempumelelo ukudambisa ukushaqeka kokucinywa kukagesi okukhulu kwa-Eskom, ukwehlisa kancane kancane umthelela wamanani okuphatha kanye nokuqeda impikiswano nokukhetha kwezepolitiki, kanye nokusheshisa ezinye izinguquko kwezomnotho.
Abathengi manje babheke ukuthi imoto iyathengeka yini kuqala
ULebogang Gaoaketse, inhloko yezokumaketha nezokuxhumana kwa-WesBank uthi ukunyuka kuzobeka abathengi abanezikweletu ngaphansi kwengcindezi enkulu, nokwenza izinga lokuboleka imali libe phezulu kakhulu kusukela ngo-2009 libe ngu-11.75%.
“Ukwenyuka kwezinga lenzalo kanye nokwehla kwamandla emali, okulethwe ukuwohloka kwerandi futhi okuhlanganiswe yinkinga yokuphakelwa kukagesi kanye nokukhathazeka ngokwezwe, kuzokwenza abathengi bahlehlise ukuthengwa kwezimoto, bathenge phansi noma baphume emakethe entsha ngokuphelele ukuze bathole inani elingcono emakethe esetshenzisiwe. . Ukukwazi ukuthengeka manje sekuzoba yinto ebalulekile esinqumweni sokuthengwa kwabathengi. ”
U-Andra Nel, oyi-marketing manager for brand and purpose kwa-KFC, uthi umuntu angacabanga nje ukuthi umthelela ekudleni okuyisisekelo njengesinkwa nommbila uzoba mkhulu. “Kumele njengabantu baseNingizimu Afrika manje sihlangane senze okuncane esingakwenza emphakathini wonkana.”
UFrank Blackmore, isazi sezomnotho esiholayo kwa-KPMG, uthi nakuba emhlabeni jikelele futhi ngezinga elithile endaweni ingcindezi evela ekudleni nophethiloli ekwehleni kwamanani emali yehlile ngandlela thile, ukwehla kwamandla emali okuyisisekelo kanye nokwehla kwamandla emali kumasevisi kusalokhu kuphakeme. Ukwengeza, okulindelekile mayelana nokwehla kwamandla emali noma ukwehla kwamandla emali okulindelweyo kusalokhu kungagxilile kulokho okuhlosiwe kuye ku-4.5% futhi njengamanje kukalwa njengama-5.3% kulo nyaka.
“Okuhle wukuthi kumele siqale sibone noma siqhubeke nokubona ukwehla kwamandla emali kuze kuphele lo nyaka. Kodwa-ke, izingozi zalelo zinga lokukhuphuka kwamandla emali zihlala ziphezulu, okuhlanganisa nokukhuphuka ngokusobala kwezintengo zokungenisa, ngokusekelwe ekwehleni kwenani lemali, kanye nobuthakathaka obengeziwe bemali bungalindelwa. I-akhawunti yamanje nayo izobonakala ikhula ngenxa yezinga lokushintshisana elibuthakathaka. “
U-Tertia Jacobs, usomnotho womgcinimafa kwa-Investec, uthi izinqubomgomo manje sezisendaweni enemingcele futhi zizoqala ukuba nomthelela ohlangothini lwezidingo zomnotho nakakhulu, njengoba imali etholwa yinkampani ingaphansi kwengcindezi enkulu esimweni sezindleko zokufakwayo kakade ngaphansi kwengcindezi yokusebenzisa imali ephezulu. udizili.
