Rentekoerse het die afgelope paar maande verskeie kere in Suid-Afrika gestyg, en dit lyk of dit in die afsienbare toekoms gaan aanhou styg. So, dit laat die vraag ontstaan: wat is rentekoerse, hoekom styg dit en hoe raak dit jou?<\/p>\n\n\n\n
\n Wat is rentekoerse?<\/b>\n<\/p>\n\n\n\n
Daar is twee konsepte wat \u2019n mens moet oorweeg. Eerste is die repokoers, wat die koers is waarteen banke geld by die Suid-Afrikaanse Reserwebank kan leen. Die huidige repokoers is 6,25%. Die tweede oorweging is die primakoers, wat die rentekoers is wat banke vir hul kli\u00ebnte hef op kredietprodukte soos huislenings. Die huidige primakoers is 9,75%.<\/p>\n\n\n\n
\n So, hoekom styg rentekoerse?<\/b>\n<\/p>\n\n\n\n
Die Reserwebank, wat ses keer per jaar vergader, gebruik rentekoerse om inflasie te bestuur. Inflasie is eenvoudig hoeveel \u2019n geweegde mandjie goedere en dienste, soos kruideniersware en petrol, van een tydperk na \u2019n ander styg. Die veranderings word in persentasies uitgedruk, en aangesien Suid-Afrika se inflasieteiken tussen 3% en 6% is, is die Reserwebank se mandaat om hierdie teikenband te handhaaf. Tans is Suid-Afrika se inflasiekoers 7,6%. Die ho\u00eb inflasie is te wyte aan verskeie kwessies, maar die belangrikste een is die styging in olie- en landboukommoditeitspryse soos koring en suiker. Dit beteken dit kos meer om goedere te vervoer en benodigdhede soos kos te produseer.<\/p>\n\n\n\n
\n Wat beteken dit vir die verbruiker?<\/b>\n<\/p>\n\n\n\n
As jy krediet het, of dit nou verseker of onverseker is, en die rentekoers styg, sal jou maandelikse terugbetaling ook styg. \u2019n R1 miljoen- verbandterugbetaling sal byvoorbeeld sowat R485 meer per maand kos noudat die rentekoers met 0,75% gestyg het. Dit sal ongelukkig jou besteding beperk aangesien goedere meer kos.<\/p>\n\n\n\n
Hieronder is \u2019n paar vinnige wenke om die druk van stygende rentekoerse op jou sak te bestuur:<\/p>\n\n\n\n
1. Hou tred met wat jy bestee. Kyk waarheen jou geld gaan en of daar maniere is om op sommige uitgawes te besnoei. Jy kan byvoorbeeld minder bestee aan wegneemetes en lekkernye en daardie geld in jou verband of ander krediet plaas. <\/p>\n\n\n\n
2. Skuif jou kredietdebietorder so na as moontlik aan die datum waarop jy jou inkomste kry. Op hierdie manier sal jy weet dat jou debietorder betaal is en jou nie hoef te bekommer om geld opsy te hou vir die res van die maand nie.<\/p>\n\n\n\n
3. Kyk na ander maniere om kontant vry te maak, soos om jou lojaliteitsprogramme, soos eBucks, te gebruik om jou nodige besteding soos kruideniersware, brandstof en toiletware aan te vul.<\/p>\n\n\n\n
4. Kospryse het die afgelope paar maande gestyg, so soek maniere om geld op kos te bespaar, soos om een ??keer per maand nie-bederfbare produkte te koop en \u2019n weeklikse spyskaart uit die spens te skep, en dan net \u2019n paar vars goed elke week te koop.<\/p>\n\n\n\n
Die goeie ding van die rentekoerssiklus is dat as jy spaargeld het, soos noodspaargeld, of jy leef van die rente uit kontantbeleggings, moet die rente op hierdie spaargeld ook styg. Dit beteken dat meer rente verdien sal word, dus sal meer rente elke maand betaal word.<\/p>\n\n\n\n
As jy wel kontant vrymaak deur middel van die wenke hierbo of alternatiewelik die verhoging op rente betaal op kontantbeleggings, dink daaraan om dit te gebruik om enige duur krediet wat jy mag h\u00ea af te betaal, om te spaar vir \u2019n noodgeval of om jou langtermyndoelwitte te bereik, soos aftreespaargeld. <\/p>\n\n\n\n
Hou tred met jou begroting en jou uitgawes deur die FNB App te gebruik.<\/p>\n","protected":false},"excerpt":{"rendered":"
Rentekoerse het die afgelope paar maande verskeie kere in Suid-Afrika gestyg, en dit lyk of dit in die afsienbare toekoms gaan aanhou styg. 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