MFUNDO-CHEKANI GUARANTEE (Zothandizira): [Ziwerengero zovomerezeka: 2 magwero] [Molunjika kuchokera ku gwero: 1 gwero]
| | Wolemba Peach Corrigan - Kutsika kwakukulu pakukwera kwamitengo ya moyo, kubwereketsa kwa kirediti kadi ku UK kudalemba ziwerengero zake zapamwamba kwambiri kuyambira Okutobala 2005.
In mawonekedwe pakugwiritsa ntchito kirediti kadi pakati pa ogula ku UK, a Kristy Dorsey akuti kubwereketsa kwa kirediti kadi kunakwera ndi £740 miliyoni mwezi ndi mwezi, zomwe zinali 13% kuposa chaka chatha.
Chifukwa chake poganizira izi, nkhaniyi ipereka malingaliro ozama momwe kubwereketsa kwa kirediti kadi ku UK kudafikira pachimake.
Momwe kubwereka kwa kirediti kadi yaku UK kudakwera mwachangu kwambiri
Anthu omwe ali pachiwopsezo omwe akukumana ndi ulova kapena kulandira malipiro osakwanira ndi zifukwa zazikulu zomwe tikupitilizabe kuwona kufunika kwa ngongole. Monga wathu nkhani yapitayi nkhani zandale ku UK, Prime Minister wakale a Boris Johnson adafotokoza momwe adalumikizira nzika 500,000 ndi ntchito kudzera munjira yake ya Way to Work. Komabe, malinga ndi Office for National Statistics, anthu 148,000 okha ndi omwe ankafuna ntchito panthawiyo. Kuphatikiza apo, omwe ali ndi ntchito analibe ndalama zokwanira zolipirira kukwera mtengo kwa zinthu, zomwe zimatsimikizira kufunika kobwereka makadi a ngongole.
Kusatetezeka kwachuma kwawunikira zolepheretsa kugula, ndipo kugwiritsa ntchito ngongole kwagwirizanitsa ogula ndi chiwongola dzanja chokwera. M'malo omwe atchulidwa, a Dorsey akunenanso kuti ngongole zopanda chitetezo komanso kubweza ndalama, zomwe zimayang'aniridwa ndi ngongole zambiri za ogula, zidakwera ndi 6.9%. Ndipo ngakhale kuti mabanja opeza bwino amaika patsogolo kumanga ndalama zawo poteteza mavuto a zachuma omwe alipo, omwe ali ndi ndalama zochepa adakhalabe osasunthika. M'malo mwake, kubwereka pamitundu yonse yangongole ya ogula kwakhazikika pamtengo wa $ 1 biliyoni kuyambira February 2020.
Kodi n’chiyani chinachititsa kuti anthu ayambe kukongola?
Kukwera kwa mitengo.
Michael Race akufotokoza za kutembenukira kofala kwa ngongole ngati njira yoti mabanja azichitira kulimbana ndi kukwera kwa inflation. Mu June, kutsika kwa mitengo ya UK kudakwera mpaka 9.4%. Kuyambira pamenepo, mitengo ya petulo idakwera ndi 18.1p pa lita, pomwe mkaka monga mkaka udakwera ndi 5p poyerekeza ndi chaka chapitacho. Makhadi a ngongole amawonedwanso ngati njira yabwino yopezera ndalama pamwezi ndi chakudya ndi mphamvu.
Kuphatikiza apo, mabizinesi ambiri tsopano amapereka njira zolipirira zopanda ndalama, zomwe zimalola makasitomala kulipira pogwiritsa ntchito makhadi. Makina olipira makadi am'manja ndi zina mwazolimbikitsa kwambiri komanso zimathandizira kuti anthu azilipira ngongole. Kupatula kumasuka kwa kulipira ndi khadi, ogula amasankhanso kulipira ndalama zopanda malipiro ndi mwayi wobweza ndalama. Pempho la Cashback likuwonekera chifukwa litha kugwiritsidwa ntchito pochotsera pogula zinthu, zomwe zingathandize kukwera mtengo kwa nzika zaku UK pakapita nthawi. Komabe, ngati sayang’aniridwa ndi kufufuzidwa, ngongole za khadi la ngongole zingaunjikane mofulumira, n’kumawonjezera chiwongola dzanja chokwera.
Chifukwa cha kufunikira kwa kugwiritsira ntchito ngongole, ogula masiku ano akuda nkhawa ndi kuchuluka kwa inflation m'nyengo yozizira yomwe ikubwera.
Malingaliro okhudza kugwiritsa ntchito kirediti kadi yaku UK
Malingaliro a ngongole ya ogula amakhalabe osalimba. Pakadali pano, Bank of England (BOE) ikutsutsana kuti ipitilize kapena ayi 75 maziko-mfundo kuwonjezeka pa chiwongola dzanja chomwe chilipo. Cholinga cha BOE ndikubwezeretsa chidaliro cha osunga ndalama ku chuma cha Britain. Koma ngati chiwonjezekocho chitakhazikitsidwa, mabanja angakumane ndi zovuta zambiri pakugawa ndalama zomwe akugwiritsa ntchito.
Ogula ambiri omwe ali ndi mavuto azachuma amayenera kutembenukira ku ngongole kuti athe kusamalira ndalama zatsiku ndi tsiku. Mwachitsanzo, mabanja ambiri adzalimbikitsidwa kugwiritsa ntchito mphamvu zambiri m'nyengo yozizira. Muzofotokozera, Dorsey akufotokoza kuti inflation ikuyembekezeka kupitirira 22% kumayambiriro kwa chaka chamawa pamene mitengo yamagetsi ikukula.
Zonsezi zikaganiziridwa, ziwerengero zobwereka ku UK zipitilira kukwera.
Lowani nawo zokambirana!