{"id":17264,"date":"2013-09-06T08:49:07","date_gmt":"2013-09-06T06:49:07","guid":{"rendered":"http:\/\/praag.co.za\/?p=17264"},"modified":"2013-09-06T08:49:33","modified_gmt":"2013-09-06T06:49:33","slug":"amnestie-vir-16-miljoen-op-skuld-swartlys","status":"publish","type":"post","link":"https:\/\/praag.co.za\/?p=17264","title":{"rendered":"Amnestie vir 1,6 miljoen op skuld-swartlys"},"content":{"rendered":"<p style=\"text-align: justify;\"><span id=\"result_box\" lang=\"af\"><span title=\"HE Cabinet on Thursday swept aside industry objections to the removal of adverse credit information, approving what is seen by some as a vote-catching measure which banks warn will heighten their risks and increase the cost of credit.\"><a href=\"http:\/\/praag.co.za\/wordpress\/wp-content\/uploads\/2013\/09\/krediet.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-17265\" alt=\"krediet\" src=\"http:\/\/praag.co.za\/wordpress\/wp-content\/uploads\/2013\/09\/krediet.jpg\" width=\"275\" height=\"183\" srcset=\"https:\/\/praag.co.za\/wp-content\/uploads\/2013\/09\/krediet.jpg 275w, https:\/\/praag.co.za\/wp-content\/uploads\/2013\/09\/krediet-148x98.jpg 148w, https:\/\/praag.co.za\/wp-content\/uploads\/2013\/09\/krediet-31x21.jpg 31w, https:\/\/praag.co.za\/wp-content\/uploads\/2013\/09\/krediet-38x25.jpg 38w, https:\/\/praag.co.za\/wp-content\/uploads\/2013\/09\/krediet-120x80.jpg 120w\" sizes=\"auto, (max-width: 275px) 85vw, 275px\" \/><\/a>Die Kabinet het Donderdag besware teen die opheffing van negatiewe kredietinligting opsy geskuif, en goedkeuring verleen aan die stap. Banke waarsku dat hul risiko&#8217;s sal verhoog en dit sal die verhoging van die koste van krediet beteken.<\/span><\/span><\/p>\n<p style=\"text-align: justify;\"><span title=\"In terms of the Cabinet decision, the adverse credit information of consumers who have paid all their debts will be wiped clean both as a once-off event and on a continuing basis.\">In terme van die Kabinetsbesluit, sal die negatiewe kredietinligting van verbruikers wat al hul skuld <\/span><span id=\"result_box\" lang=\"af\"><span title=\"In terms of the Cabinet decision, the adverse credit information of consumers who have paid all their debts will be wiped clean both as a once-off event and on a continuing basis.\"><span id=\"result_box\" lang=\"af\"><span title=\"In terms of the Cabinet decision, the adverse credit information of consumers who have paid all their debts will be wiped clean both as a once-off event and on a continuing basis.\">betaal het,<\/span><\/span> skoongevee word as &#8216;n eenmalige gebeurtenis asook op &#8216;n deurlopende basis.<\/span><\/span><\/p>\n<p style=\"text-align: justify;\"><span title=\"The aim is to eliminate the blacklisting of about 1.6-million consumers \u2014 many of them public servants \u2014 who have paid their debts but are still prevented by listings by credit bureau s from gaining access to credit, accommodation and even jobs.\">Die doel is om die swartlys van ongeveer 1,6 miljoen verbruikers uit te skakel &#8211; baie van hulle staatsamptenare &#8211; wat hul skuld betaal het, maar is nog steeds verhoed deur kredietburo&#8217;s van toegang tot krediet, verblyf en selfs werk .<\/span><\/p>\n<p style=\"text-align: justify;\"><span title=\"The scheme would secure the re-entry of these consumers into the credit market and hopefully boost consumer demand.\">Die skema sal die toegang van hierdie verbruikers tot die kredietmark verseker en hopelik &#8216;n hupstoot aan die verbruikersvraag meebring.<\/span><\/p>\n<p style=\"text-align: justify;\"><span title=\"While the government justifies the plan on the basis of &quot;restorative justice&quot; and its beneficial effect on economic activity, it could have a positive spin-off for the ruling party in next year's general election \u2014 which some suspect is its real motivation.\">Terwyl die regering die plan op die basis van &#8220;herstellende geregtigheid&#8221; <\/span><span id=\"result_box\" lang=\"af\"><span title=\"While the government justifies the plan on the basis of &quot;restorative justice&quot; and its beneficial effect on economic activity, it could have a positive spin-off for the ruling party in next year's general election \u2014 which some suspect is its real motivation.\"><span id=\"result_box\" lang=\"af\"><span title=\"While the government justifies the plan on the basis of &quot;restorative justice&quot; and its beneficial effect on economic activity, it could have a positive spin-off for the ruling party in next year's general election \u2014 which some suspect is its real motivation.\">regverdig <\/span><\/span>en die positiewe uitwerking op ekonomiese aktiwiteit beklemtoon, kan dit &#8216;n positiewe rol in die regerende party se vertoning in volgende jaar se algemene verkiesing speel.<\/span><\/span><\/p>\n<p style=\"text-align: justify;\"><span title=\"The Cabinet decision flies in the face of opposition by the banking industry, which has warned that the lack of information on the credit history of prospective clients will heighten the risk of credit providers, which will have to raise their prices accordingly.\">Die Kabinet se besluit het nie die opposisie deur die banke in ag geneem nie. Banke het gewaarsku dat die gebrek aan inligting oor die kredietgeskiedenis van voornemende kli\u00ebnte die risiko van kredietverskaffers verhoog.<\/span><\/p>\n<p style=\"text-align: justify;\"><span title=\"The Banking Association of SA is fiercely opposed to the plan and will highlight its objections during the one-month period that will be provided for public comment once the notice of the Cabinet decision is published shortly in the Government Gazette.\">Die Bankvereniging van SA is heftig gekant teen die plan en sal beswaar maak nadat die kennisgewing van die Kabinetsbesluit in die Staatskoerant verskyn het.<\/span><\/p>\n<p style=\"text-align: justify;\"><span title=\"Trade and Industry Minister Rob Davies rejected the industry concerns on Thursday, stating that the removal of adverse credit information would simply mean that credit providers would have to conduct proper affordability assessments on all their prospective clients.\">Die minister van Handel en Nywerheid Rob Davies verwerp die kommer, en het Donderdag verklaar dat dit bloot sou beteken dat kredietverskaffers behoorlike kredietvoorwaardes met al hul voornemende kli\u00ebnte uitklaar.<\/span><\/p>\n<p style=\"text-align: justify;\"><span title=\"They would no longer be able to simply rely on the information provided by credit bureaus as they had done in the past, and would be under a strong injunction to undertake affordability tests.\">Hulle sal nie langer in staat wees om net te kan staatmaak op die inligting wat verskaf word deur die kredietburo&#8217;s soos wat hulle gedoen het in die verlede nie, en sal eerder die bekostigbaarheid van krediet vir voornemende kli\u00ebnte moet ondersoek.<\/span><\/p>\n<p style=\"text-align: justify;\"><span title=\"Mr Davies said that much of the information held by credit bureaus was &quot;outdated and misleading&quot;.\">Davies het ges\u00ea baie van die inligting wat deur kredietburo&#8217;s deurgegee word is &#8220;verouderd en misleidend&#8221;. <\/span><span title=\"Also, under the current system it was extremely difficult, costly and time-consuming to get the information removed through court processes.\">Ook, onder die huidige stelsel is dit uiters moeilik, duur en tydrowend om die inligting deur die hof as sulks uit te wys. <\/span><span title=\"This would be addressed as well.\">Dit sal ook aangespreek word.<\/span><\/p>\n<p style=\"text-align: justify;\"><span title=\"The National Credit Regulator supported the expunging of adverse credit information.\">Die Nasionale Kredietreguleerder ondersteun die skrapping van negatiewe kredietinligting.<\/span><\/p>\n<p style=\"text-align: justify;\"><span title=\"It noted in its annual report tabled in Parliament yesterday that there were about 9.5-million consumers with impaired credit records as at the end of March (47.5% of all credit-active consumers), an increase of about 500,000 over the previous year.\">In sy jaarverslag wat Donderdag ter tafel gel\u00ea is in die Parlement toon dit dat daar sowat 9,5 miljoen verbruikers met verswakte kredietrekords aan die einde van Maart was, ( 47,5 % van alle krediet-aktiewe verbruikers) , &#8216;n toename van ongeveer 500 000 meer as die vorige jaar.<\/span><\/p>\n<p style=\"text-align: justify;\"><span title=\"A Cabinet statement noted that &quot;access to a sustainable credit market is essential to all developmental goals&quot;.\">&#8216;n Kabinetsverklaring het opgemerk dat &#8220;toegang tot &#8216;n volhoubare kredietmark noodsaaklik is vir alle ontwikkelings-doelwitte&#8221;.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Die Kabinet het Donderdag besware teen die opheffing van negatiewe kredietinligting opsy geskuif, en goedkeuring verleen aan die stap. Banke waarsku dat hul risiko&#8217;s sal verhoog en dit sal die verhoging van die koste van krediet beteken. In terme van die Kabinetsbesluit, sal die negatiewe kredietinligting van verbruikers wat al hul skuld betaal het, skoongevee &hellip; <a href=\"https:\/\/praag.co.za\/?p=17264\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Amnestie vir 1,6 miljoen op skuld-swartlys&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":17265,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,85],"tags":[7915,12297,12292,12295,12296,12291,12290,12293,12294],"class_list":["post-17264","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nuus","category-c76-sake","tag-banke","tag-die-bankvereniging-van-sa","tag-koste-van-krediet","tag-kredietmark","tag-kredietverskaffers","tag-opheffing-van-negatiewe-kredietinligting","tag-skuldamnestie","tag-swartlys","tag-verbruikers"],"_links":{"self":[{"href":"https:\/\/praag.co.za\/index.php?rest_route=\/wp\/v2\/posts\/17264","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/praag.co.za\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/praag.co.za\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/praag.co.za\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/praag.co.za\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=17264"}],"version-history":[{"count":0,"href":"https:\/\/praag.co.za\/index.php?rest_route=\/wp\/v2\/posts\/17264\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/praag.co.za\/index.php?rest_route=\/wp\/v2\/media\/17265"}],"wp:attachment":[{"href":"https:\/\/praag.co.za\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=17264"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/praag.co.za\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=17264"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/praag.co.za\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=17264"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}