“Yeyiphi intshukumo ekufuneka ndiyijoyine? Ndingayenza nini lonto? Andinaxesha.
Kutheni kufuneka ndijoyine intshukumo? Ngaba iyavakala?”
Ndicinga ukuba le yeyona mibuzo kunye nezimvo esijongene nazo thina njengamatsha ntliziyo xa sifuna abantu bathathe inxaxheba kumbutho wethu.
Masiqale ngomzekelo wethu.
Ndithatha inxaxheba kumbutho othi People Affected by their Mortgage (PAH I-Plataforma de Afectados por la HipotecangesiSpanish) kwaye xa umntu esiza kum ukuthetha ngenjongo ye-PAH, ndiqala ukucacisa ingxaki inani elikhulayo leentsapho ezijongene neSpeyin kwaye sihlala sivuma ukuba akulungile, izinto kufuneka zitshintshe. Emva koko, incoko imalunga nokuthatha kwakhe inxaxheba kwaye ndiyayibona indlela athandabuza ngayo umntu ophambi kwam, ndidla ngokuphendula ngokuthi "ukuba awenzi nto, akukho nto iya kutshintsha", emva koko aphendule "akukho nto inokwenziwa, akukho nanye. ungenza nantoni na, yinkcitha xesha".
Imeko apho sinamatsha ntliziyo kwelinye icala esithi "abantu abafuni kwenza nto" kwaye, kwelinye icala abantu abathandabuzayo ngakumbi nangakumbi beqinisekile nguMargaret Thatcher onamandla "akukho enye indlela" iqhelekile.
Kwiveki ephelileyo, ndifunde kwiphephandaba laseSpain i-EL PAIS i-statistic evela kwi-poll (Metroscopia) ngoMeyi 2012 efanelwe ingqalelo esondeleyo: i-30% yabantu baseSpain bacinga ukuba akukho ndlela yimbi (ngokuchasene ne-21% ngo-Epreli). Nangona iintshukumo ezinkulu zaseSpain zaqala ngoMeyi 15th 2011 kuzo zonke izixeko eziphambili zaseSpain, abantu abaninzi bakholelwa ukuba akukho nto inokutshintsha.
Ndiyabheja le yimvakalelo eqhelekileyo phakathi kwabemi behlabathi liphela.
Ke, njengamatsha ntliziyo kufuneka sicinge ukuba kutheni abantu bengafuni ukuthatha inxaxheba.
Uqikelelo lwam kukuba, yile nto ndiyijongayo kwiindibano ezahlukeneyo ezivela kwimibutho emininzi, kuba ukuthatha inxaxheba akuthandeki, abantu babona kuphela ukuba kuya kuthatha ixesha elingakanani, kunzima kwaye kuyakhathaza oku kwaye mhlawumbi ngaphandle kweziphumo ezilungileyo ekugqibeleni ... kwaye mhlawumbi ekunene kwiimeko ezininzi kakhulu.
Kodwa, ndicinga ukuba kukho eminye imiba emibini ebalulekileyo ngokunjalo.
Okwesibini kukuguquguquka kwemibutho esetyenziselwa ukuvelisa uluhlu lwemigangatho ngendlela ecacileyo okanye efihlakeleyo. Unokuyijonga ngokulula xa ujonga indibano okanye intlanganiso yentshukumo kwiinyanga ezimbalwa emva kokuba izalwe, unokubona ukuba ngubani othethayo, ongekhoyo, okhoyo, ongekhoyo. Ukuyithetha ngokwahlukileyo, bangaphi abantu abathatha inxaxheba kwaye ngubani othatha inxaxheba.
Eyesithathu, ibaluleke njengezimbini zokuqala ichaphazela injongo yexesha elide, ndithetha leyo iphendula umbuzo: Kulungile, endaweni yobukhapitali, ufuna ntoni?
Ndicinga ukuba asikwazi ukwakha intshukumo enkulu ngaphandle kokujongana naloo miba yokuthatha inxaxheba, kufuneka siyithathele ingqalelo ukuba siza kuchitha amandla ethu kumbutho. Intshukumo kufuneka ikhuthaze kwaye yenze sizive sifumana into ngokuba yinxalenye yayo kwaye siyinxalenye yento enkulu eya kuphucula ubomi bethu ngoku hayi ngomso kuphela.
Yiloo nto uMbutho Wezizwe Ngezizwe woMbutho Othatha Inxaxheba unikela iimpendulo ezithile zaloo mibuzo.
Ngokucacileyo, iphendula umbuzo othi "ufuna ntoni?" kwimbono yexesha elide kunye nomba oguquguqukayo enkosi kuvumelwano lweziko oluchazwe yimithetho-siseko yokuzilawula (ukwenza izigqibo impembelelo ngokomlinganiselo weqondo lokuchatshazelwa sisigqibo) kunye nomsebenzi olungeleleneyo.
Le migaqo inokunika umbono wokuba yintoni enokuba ngumbutho olungileyo okhuthaza intatho-nxaxheba ekuboneleleni ngezixhobo zayo. Ukuba yinxalenye yombutho omkhulu kunika imvakalelo yokuba into esiyenzayo inexabiso kuba iya kusinceda thina nezizukulwana ezizayo.
Ndithi i-IOPS ibonelela ngeempendulo ezithile kuphela kule mibuzo kuba umsebenzi wethu kukuqonda okuza kulandela, ndifuna ukuthetha ngeqhinga. Ndicinga ukuba ukuba yinxalenye yentshukumo ngamanye amaxesha kunokuba nzima kwaye kuyakhathaza kodwa akufuneki kube njalo ngalo lonke ixesha. Ukuze intlangano ikwazi ukwenza izinto ngendlela efanayo, sinokuthelekelela izinto ezisenza sonwabe xa sikunye, sonwabele ukwabelana nabantu, ekupheleni kosuku sibe libutho labantu abanemilinganiselo efanayo yokuziphatha.
Imibuzo efana no "Kutheni ujoyina intshukumo? Kutheni ukunika ixesha lakho kunengqiqo?" zinengqiqo kwaye zifanele iimpendulo ezingcono kunokwenza izigwebo -njengoko ndihlala ndisiva kumatsha ntliziyo- ngokungathathi nxaxheba.
Ke, kum ukuba lilungu le-PAH (Abantu Abachatshazelwe yi-Mortgage yabo) yenza ingqiqo, ivakala ngokupheleleyo xa ndisazi ukuba yinxalenye yesicwangciso sokufikelela kuluntu olungcono.
I-ZNetwork ixhaswa ngemali kuphela ngesisa sabafundi bayo.
Nikela