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Archive for the tag “Bank”

EFF statement on the 63rd Anniversary of the Freedom Charter (26.06.2018)

A brief look into the IGG first report of 2018 with Lira District in FOCUS!

The Inspector General of Government (IGG) Irene Mulyagonja has recently published a new report, showing the corruption and the reported cases that has been sent to the IGG during the 6 month period. This report shows the key places where the complaints are about, which shows what kind of civil servants that has cases going or investigated. There also a major showdown of certain districts, which gets the most heat in this report. Clearly, they are picked up and shown the public, while others are kept in the archives. So I am showing the key aspects of where the complaints go and one key district that has been put on blast. That being Lira District, who together with others was also put on display. What is weird about that is the office of Lira is number 15 on the list of getting complaints. While the Central District and Kampala Headquarters has bigger numbers, but is not chosen to revealed for the public. Only district offices with less numbers are Kampala Regional Office (because all are delivered to Headquarter) and Gulu district office. So this been choice by the IGG to show their cases instead of the ones around the Central Government. That is how it can be perceived!

The Inspector General Report are clearly stating that the most common groups of people, which is mentioned in complaints are either directly individuals (public officials), District Administration/Local Government, Municipal & Town Councils, Head Teachers, District Service Commissions and sub county administration. In the time between January and June 2017, there was 330 complaints about Public Officials. Complaints about District Administration was 328. Municipal & Town Councils complaints was 144. The complaints concerning Head Teachers was 87. The District Service Commissions was 85 and sub county Administration complaints totaled to 68. This here is really showing where the state officials locally are misusing the public funds. It shows a warning sign of how people take advantage of the lack of paperwork and archives of procurement and also facilitation of the state reserves. That is why they could do this before the complaints come to the IGG.

IGG cases in Lira:

Alleged cause of financial loss by Principal Assistant Secretary, Lira District” (…) “Alleged mismanagement of Shs. 15,000,000/= meant for road maintenance by officials of Ojwina Division Council, Lira” (…) “Allegation of nonpayment of wages to former support staff by Lira Municipal Council” (…) “Report on investigations into alleged payments of salaries to ghost teachers and illegal appointments of Head teachers in Lira District Local Government” (…) “Alleged irregular remittance of Shs. 10M to Mr. Ario Benson’s account and subsequent deletion from the payroll by PPO, Lira” (…) “Alleged creation and existence of ghost primary school in Aloi Sub-county, Lira District” (…) “Alleged misappropriation of UGX. 9,000,000/= meant for the construction of roads in Adekokwok Sub-County Lira District” (…) “Alleged utterance of false academic documents by a Secretary at UTC – Lira” (…) “Alleged irregular earning of higher salary by a person at Lira school of Nursing” (…) “Alleged cause of financial loss by the Principal Assistant Secretary, Lira District” (IGG, P: 77-80, 2018).

I am just showing the alleged cases in Lira as well, as the main reports, since the Report itself should be question for lacking the alleged cases from Kampala Headquarters and Jinja Offices. It shown some cases from Arua, but very limited, since it was the third biggest place of complaints during the 6 month period. While other regions and districts had more open cases. I am really questioning why Lira was so in FOCUS, when the offices of Jinja, Headquarters and Arua had ten times more complaints than Lira did. Why are they not more evident in the report? What is the reason?

That is what we should ask and why the IGG are not revealing those complaint or keeping them on the low. Peace.

Reference:

Inspectorate of Government (IGG) – ‘BI-ANNUAL INSPECTORATE OF GOVERNMENT

PERFORMANCE REPORT TO PARLIAMENT – January to June 2017’ (January 2018)

DNB har fått en ny ripe i lakken, denne gangen gjelder det deres internkontroll ved hvitvasking!

Den Norske Bank (DNB) som allerede har fått kritikk for sin håndtering og hatt fond i Luxemburg etter Panama Papers skandalen. Har på nytt fått klager for sin håndtering av penger. Denne gangen i forhold til hvitvasking. Brevet fra Finanstilsynet ble sendt den 29. Juni 2017 til Styet i DNB, men ble først frigitt til befolkning og pressen i går.

DNB har igjen vært uaktsom eller brutt regelverket for mulig profitt. Det var en del systemsvikt. Hovedpunktene i brevet var disse:

«I den foreløpige rapporten pekte Finanstilsynet på at bankens interne risikoanalyse for divisjon Wealth Management av 28. juni 2016 viste at kontrollen av utførte kundekontroller i Private Banking, herunder av nye kundeetableringer, ikke var gjennomført i henhold til bankens interne retningslinjer. Finanstilsynet legger til grunn at internkontrollen i Private Banking innskjerpes, og at interne retningslinjer for gjennomføring av kundekontrollen av kunder med vurdert høy risiko for hvitvasking etterleveres».

«Det er Finanstilsynets vurding at kundekontrollen bør dokumentere forventet transaksjonsmønster og -omfang både i enkeltselskaper og innenfor gruppen av selskaper med samme eiere. I den forløpige rapporten stilte Finanstilsynet spørsmål om bankens oppfølging av registrert forventet daglig og ukentlig transaksjonsvolum på kontorer tilhørende en av de kontrollerte kundene»

«Etter Finanstilsynet vurdering har banken på vesentlige områder mangelfull etterlevelse av hvitevaskingsregelverket. Forståelse av riskoen knyttet til hvitvasking, gjennomføring av kundekontroll i tråd med regelverket og et velfungerende elektronisk overvåkningssystem er avgjørende for at banken skal kunne avdekke mistenkelige transaksjoner knyttet til hvitevasking og finansiering av terror. Styret må påse at de tiltak som iverksettes er tilstrekkelig for å sikre etterlevelse av hvitvaskingsloven med tilhørende forskrifter».

DNB har i dette brevet fått relativt krass kritikk av sin håndtering og intern kontroll av sine kunder. De både foretak med flere bedrifter og kontier, bør kunne ettersees for å sikre at penger ikke blir hvitvasket. Der ordinære transaksjoner vil bli blandet med midler som ikke kan dokumenteres. Dette med bedrifter som har samme ledelse og eier. Slik at bedriftene ikke misbruker sin posisjon eller flytter penger uten å kunne vise til eierskap eller forbindelsen til hvor de kommer ifra.

Deretter har DNB fått kritikk at dere kundekontroll og videre deres overvåkingssystem ikke er grunleggende godt nok til å påse sitt ansvar i forhold til regelverket. Dette gjør at om man har mistanke om hvitvasking av penger og større summer så vil de kanskje ikke legges merke til. Da vil man heller ikke forbrytelsen eller unndragelsen fra kunden. Som har satt igang illegale aktiviteter inne i DNB systemet.

DNB som en av Norges største finansinstitutisjoner og bank, bør kunne være ledende i denne forbindelse. For å handle og agere korrekt i forhold til gjeldene regelverk. Dette burde ikke være så vanskelig for DNB i følge disse retningslinjer og sikre sin bedrift mot kriminell aktivitet. Likevel, ser det slik ut.

Derfor får DNB på nytt en ripe i lakken. Der en kan vise til praksis fra Banken som ikke er opp til standard eller etisk rett. Der en ikke følger gjelden lovmessig praksis. Derfor bør en etterse dette og sikre seg enda mer. Siden Finanstilsynet sitt brev beskrev veldig klart problematikken. Peace.

Uganda – Amendments to the ‘Anti-Corruption Bill 2013’ – Important changes to the existing law

2005_uganda_corruption_presser

It’s a proposed new amendment ‘Anti-Corruption Bill 2013’ that is dated back to 13th July of 2013. I will take the basic understanding of how the bill will be and what it can do if it gets into effect. The person behind this bill is Hon. John Ssimbwa who is MP of Makindye Division East. On the 7th of July 2015 this got passed in Parliament!

The important issues from the Memorandum:

First part is that is an extension and amendment of the ‘Anti-Corruption Bill 2009’. One of the main objectives of the bill is that the property of the offender the government can confiscate that from that legal person. That property will be controlled by the government and management by the public trustee appointment by the Minister in accordance with the Public Trust Act. One defect with the existing law is how to prove that set property was earned by the corrupt actions or indirectly by it. Because of this there is the reason for the amendment to the existing law.

Second part is how you define “property” and “political leader” which will entail more and describe broader in the new law after the amendment. In the new one the “political leader will be broaden the scope of the offence that caused the financial lost. Also figuring in “a company” to prove there are two “actors” in the actions of embezzlement, graft or general corruption. One new clause is also to incorporate Inspector General of Government (IGG) to service the court. And give more power to the Dirctorate of Public Prosecution (DPP) and IGG which will together restrict the owner of the bank accounts of the accused person. New clause is also to the persons who refuse to comply or give information to Special Investigator; with failure to follow the recommendation of the police will be incriminated, because with existing law there isn’t any response to it for the government. If for certain that a person is convicted for corruption for mandatory confiscation of any property to the person. And also in the amendment the person who will lose his property after being convicted will pay the cost for the transfer of the actual property.

Important changes:
From Section 20 setting in: “A person employed by the government, a bank, a credit institution, an insurance company, a company, a public body or political leader, who in the performance of his and her duties, does any act knowing or having reason to believe that the act or omission will cause financial loss to the Government, bank, credit institution, insurance company, a company, or public body commits an offence and is liable on conviction to a fine not exceeding three hundred and thirty six currency points or to a term of imprisonment not exceeding fourteen years or both”.

From Section 63A:

  • Take possession and custody of any property under restraining or confiscation order:
  • Manage any property in respect of which he or she has been appointed a public trustee: or
  • Appoint the owner of the property to manage the property affected by a restraining order under the supervision of the Public Trustee:

(2) A Public Trustee appointed under this Act shall not be liable to any civil proceedings for any act done in good faith in the performance of his or her duty”.

From Section of 63B and G4A:

“The Minister shall make regulations for remuneration for the public trustee appointed under this act.” (…) “Where the court orders confiscation of property under section 64, the cost of enforcing the order shall be paid by convicted person”.

From the Section of 65:

“A Person is taken to have absconded if reasonable attempts to arrest the person under a warrant have been unsuccessful during the period of six months commencing on the day the warrant was issued, and the person shall taken to have absconded on the last day of that period”. 

Meeting between Public Trust Act and the Amendment of the Anti-Corruption Act:

What these amendments to the existing laws is focusing on the property of the convicted person and how it all will be transferred to a Trustee Fund. This fund will be in power of the Government with the Inspectorate of General of Government and Dictorate of Public Prosecution will be in charge of. In the end this leaves more funds and properties into the government that will transfers from convicted persons and companies to the Trustee Fund.

A matter remain on the ‘Public Trustee Act of 1937’ has some issues and therefore need to amendment to see what the government of Uganda need to recover the embezzled money and property. The law in general is setting the standard on how the trusts are set up.

First section: “The Minister, by notice in the Gazette, may appoint some fit and proper person to be public trustee for Uganda, and may in like manner appoint a deputy or deputies to assist him or her, and every deputy so appointed shall, subject to the control of the public trustee, be competent to discharge any of the duties and exercise any of the powers of the public trustee, and when discharging those duties, or exercising those powers, shall have the same privileges and be subject to the same liabilities as the public trustee”.

Third Section: “An agent shall, in all respects, act under the direction of the public trustee who shall not be answerable for any act or omission on the part of the agent which is not in conformity with the power or duty delegated by the public trustee or which shall not have happened by the public trustee’s own fault or neglect” (…) “An agent, other than an officer of the Government, shall find security to the satisfaction of the public trustee for the performance of his or her duties and may be remunerated either by salary or such fees as the Minister may from time to time by rule prescribe”.

Fourth Section: “The public trustee shall not accept any trust under any composition or scheme or arrangement for the benefit of creditors nor of any estate known or believed by him or her to be insolvent”.

Sixth section: “When the public trustee has been appointed trustee under any will, the executor of the will or the administrator of the estate concerned, after obtaining probate or letters of administration with will annexed, shall immediately notify the appointment to the public trustee in writing, and shall supply him or her with a certified copy of the will and of any trust instrument and other documents affecting the trust, and such particulars as to the nature and value of the trust property, and the liabilities, if any, attaching to such property or the holder of the property, and the names, ages and addresses of any beneficiaries under the trust, and such other information as the public trustee may consider desirable to obtain in any particular case”.

Seventh section: “If any property is subject to a trust, other than a trust which the public trustee is prohibited from accepting under the provisions of this Act, and there is no trustee within the limits of Uganda willing or capable to act in the trust, the court may on the application of any interested party or of the public trustee make an order for the appointment of the public trustee to be the trustee of such property; but where the application is not made by the public trustee, no such order shall be made without his or her consent”.

We can see the difference between the new law and the older Public Trustee Act of 1937 and the amendment on the Anti-Corruption Bill, which deals with the property of a felon and the consent part of transfer of the property. Especially when you see how it set limits on the government and how the applications of the public trustee where it specifically says in the Act of 1937: “no such order shall be made without his or her consent” while the Anti-Corruption Act Amendment says: “From Section 63A:

  • Take possession and custody of any property under restraining or confiscation order:
  • Manage any property in respect of which he or she has been appointed a public trustee: or
  • Appoint the owner of the property to manage the property affected by a restraining order under the supervision of the Public Trustee:

(2) A Public Trustee appointed under this Act shall not be liable to any civil proceedings for any act done in good faith in the performance of his or her duty”.

From Section of 63B and G4A:

“The Minister shall make regulations for remuneration for the public trustee appointed under this act.” (…) “Where the court orders confiscation of property under section 64, the cost of enforcing the order shall be paid by convicted person”.

As you see this gives the state a possibility to order and confiscate of property from the convicted person and also get the payment for the transfer of the actual property. So if this comes to effect and can take possession of it or custody when the person is under restraining. The Public Trustee will be under the IGG and follow the orders of the DPP.  This gives more power then what they currently have. So that the Directorates and Public Prosecutor get more powers when they have apprehended a suspect and get either suspend their money in accounts and also transfer the property of the convicted person.

This means those people that will get a stronger punishment and that the Public Trusts will soar in Uganda, if the IGG does it jobs and get bigger cases through the courts. This means that the minister who is in charge and making the Public Trustee funds has to be sober and in-charge to keep up his conduct and the supervision of the fund after transferring the actual property and freezing of the accounts.

It would be interesting to see the implicated changes of the law and also how the minister and Inspectorate of General of Government has to be sure that the property and accounts are parts of the charge. If these extra charges will make a difference in Uganda, is only time to tell because the way it will be seen is the actual results and if it benefits the court systems. Secondly if the transfers of properties and accounts go well, then the Government might over time get vast amount of monies from different accounts and also grand properties if the functions and prosecutions of corrupt politicians, governments’ officials, civil servants and businessmen get caught. Therefore the Trustee Fund under the Minister will be a giant over time and also need more resources to have accountability over it. Something that is natural with the pending issues and convicted people that will be hurt by this law if this amendment will be a new reality in Uganda. Peace.

Reference:

Bill Supplement No. 3 – Bill No. 7: THE ANTI-CORRUPTION (AMENDMENT) BILL 2013 (13.07.2013) in Uganda Gazette No. 34. Volume CVI dated 5th July 2013, UPPC, Entebbe Uganda Ordered by the Government.

THE PUBLIC TRUSTEE ACT of 1937 – Chapter 161

Press Release: Western Union Celebrates its 20th Anniversary in Africa (28.07.2015)

WU Africa AD

ACCRA, Ghana–(BUSINESS WIRE)–Western Union Company (NYSE:WU, a leader in global payment services, today celebrated its 20th anniversary in Africa. With over 34,000 locations and connections to millions of bank accounts and mobile wallets in more than 50 countries and territories, across Africa, the Western Union network serves millions of senders and receivers with a choice of 120 currencies.

To celebrate this special milestone, Western Union’s President for Africa, Middle East, Asia Pacific, Eastern Europe and CIS, Jean Claude Farah, in addition to Aida Diarra, Western Union’s Regional Vice President and Head of Africa and other members of the Africa leadership team visited the first agent location at ADB (Agricultural Development Bank) that offered Western Union money transfer services for the first time in Africa in 1995. The WU leadership team also visited Ecobank head office in Accra and marked the occasion with the launch of the Account Based Money Transfer services through ATM in Ghana.

The Western Union 20th Anniversary celebration in Ghana in Africa, coincides with a speech made by President Barack Obama at the African Union Headquarters in Addis Ababa, Ethiopia, where he is quoted saying:

“Today, Africa is one of the fastest-growing regions in the world. Africa’s middle class is projected to grow to more than one billion consumers. With hundreds of millions of mobile phones, surging access to the Internet, Africans are beginning to leapfrog old technologies into new prosperity. Africa is on the move, a new Africa is emerging.”

Western Union is committed to the expansion and development of its pan-African network which provides a critical link to the ever growing African Diaspora living and working in countries around the world.

“More than 30 million Africans live outside their home countries, contributing billions of USD in remittances to their families and communities back home every year1”, said Jean Claude Farah. “We are very humbled to play a role in helping them move their money as they seek to elevate their economic status, meet emergency needs, support healthcare requirements, contribute to the education of future generations and in many instances build their own small businesses. By moving money for better for 20 years Western is enabling a world of possibilities for Africa and in Africa.”

Aida Diarra added, “Through the work we do we also enable economic activity and job creation. Currently over 155,000 Front Line Associates (FLAs) are employed in our agent network on the African continent. Western Union invests in training these FLAs developing their business, technical and compliance skills.”

In addition to the socio-economic impact that remittances enable, the company also supports philanthropic activities in Africa via the Western Union Foundation which has a long history of giving back to communities across the African continent. It supports organizations that promote economic opportunity and growth for individuals, families and entire communities throughout the region. Since its creation, the Western Union Foundation has committed to $8.703 million in grants and donations to 158 NGOs in more than 40 countries across Africa.

About Western Union

The Western Union Company (NYSE: WU) is a leader in global payment services. Together with its Vigo, Orlandi Valuta, Pago Facil and Western Union Business Solutions branded payment services, Western Union provides consumers and businesses with fast, reliable and convenient ways to send and receive money around the world, to send payments and to purchase money orders. As of March 31, 2015, the Western Union, Vigo and Orlandi Valuta branded services were offered through a combined network of over 500,000 agent locations in 200 countries and territories and over 100,000 ATMs and kiosks. In 2014, The Western Union Company completed 255 million consumer-to-consumer transactions worldwide, moving $85 billion of principal between consumers, and 484 million business payments. For more information, visit www.WesternUnion.com.

___________________

1 IFAD, 2009

WU-G

Western Union Press Contact:
Khalid Baddou, +212 522 42 84 02
Khalid.Baddou@westernunion.com

The EFF statement on the hollow recitals of the freedom charter by the ANC:

10 January 2015

The Economic Freedom Fighters notes the attempts by Mr. Jacob Zuma, the President of the ANC to restate the Freedom Charter as if it is the programme of the ANC, while all evidence is out there for all to see that the ANC has abandoned the Freedom Charter. In the speech delivered during the rally in Cape Town, Mr. Zuma recurrently mentioned key clauses of the Freedom Charter and ‘economic freedom’, yet made no concrete commitments and programme on how the ANC government will realise the Freedom Charter and economic freedom.

The EFF is aware that the whole intention of the ANC January 8 statement was an attempt to try to copy and therefore undermine the radical and militant programme of the Economic Freedom Fighters, because our programme is the only programme that finds true resonance with the people of South Africa. The EFF remains the only radical and militant movement which unapologetically pursues a radical economic revolution programme which will change the lives of our people. An attempt by the ANC to imitate the radical programme of the EFF only through rhetoric will always be exposed as pure farce because the ANC government is implementing a neo-liberal, right wing and capitalist programme called the National Development Plan: Vision 2030.

The NDP: Vision 2030 is the official programme of the ANC, adopted in their 53rd National Conference, and any talk of the Freedom Charter is meant to mislead the people of South Africa. What we know about the Freedom Charter, which the ANC government will never implement are the following:

  • The Freedom Charter says ‘the mineral wealth beneath the soil, the banks and monopoly industries shall be transferred to the ownership of the people as a whole”, and this has been correctly understood in the former liberation movement as Nationalisation of Mines. What we know is that the ANC will never nationalise Mines because majority of its senior leaders are privately benefitting from privately owned Mines.
  • The Freedom Charter says ‘all other trade and industry shall be controlled to assist the wellbeing of the people”. What we know is that the ANC is committed to free-market capitalism and will never control trade for the benefit of the people.
  • The Freedom Charter says ‘land shall be shared amongst those who work it’. What we know as a fact is that the ANC has dismally failed to redistribute land and will continue to buy land from those who stole it, despite their admission that the willing-buyer willing-seller approach to land redistribution has dismally failed.
  • The Freedom Charter says, “all shall have the right to occupy land wherever they choose”. What we know is that the ANC government will never allow even landless people to occupy land wherever they choose, but will instead send murderous police to evict people from the land as they did in Lenasia and Lwandle.
  • The Freedom Charter says ‘the doors of learning and culture shall be opened”. What we know is that the ANC government has dismally failed to provide free quality education as post secondary level and have not built adequate capacity to absorb the entirety of students who exit the secondary schooling level.
  • The Freedom Charter says, “slums shall be demolished, and new suburbs built where all have transport, roads, lighting, playing fields, creches and social centres”. What we know is that 21 years since the first inclusive elections with the ANC in power, more than 15% of the South African population lives in slums and informal settlements.

These key tenets of the Freedom Charter and many others are not contained in the National Development Plan, which is the official government plan of the ANC and the right wing political parties in Parliament.

The EFF speaks about the Freedom Charter because our Founding Manifesto says,

“The EFF draws inspiration from the radical, working class interpretation of the Freedom Charter, because, since its adoption in 1955, there have been various meanings given to the Freedom Charter. The EFF’s interpretation of the Freedom Charter is one which says South Africa indeed belongs to all who live in it, and ownership of South Africa’s economic resources and access to opportunities should reflect that indeed South Africa belongs to all who live in it.
The EFF’s interpretation of the Freedom Charter is that which says the transfer of mineral wealth beneath the soil, monopoly industries and banks means nationalisation of mines, banks and monopoly industries”.

The rhetorical commitment to the Freedom Charter by Mr. Zuma is nothing but an attempt to divert attention from the genuinely radical economic freedom programme and struggle of the EFF. This is done because the ANC has run out of ideas. It is evidently clear that with age and many years of existence, the ANC is not maturing, but suffering from memory loss and lack of creativity and innovation. The ANC cannot think and always rely of imitating even Kwaito musicians hence their slogan of ANC Kuze Kose and ANC Y’tjukutja because they take ideas of Kwaito musicians, not vice versa. They even tried to imitate the runaway success of the EFF’s red beret and overalls.

The EFF remains the only hope for the people of South Africa and will inspire many generations to come because when we take over political power, we will capture the State, and redistribute the economy for the benefit of all. Once again, the EFF has proven that we are the vanguard of the working class and revolutionary ideas in South African society and those who copy us should do so with care because we will always expose fake imitatations that are not genuine.

ISSUED BY THE ECONOMIC FREEDOM FIGHTERS
LEHLOHONOLO FANA MOKOENA (Acting National Spokesperson)
Cell Number: +27817244799
Websitehttp://www.effighters.org.za/
Emailcommunications@effighters.org.za
Facebook: Fana L Mokoena || Twitter: @EconFreedomZA and @fanamokoena

Hus = Luksusvare, skal det være slik?

Konsmo Hus

 

I de siste dagene har det kommet nyheter og rapporter at 60 åringene her til lands har mer gjeld enn for tolv år siden. Det har gått opp fra å 20 % til 60 %. Dette er for en aldersgruppe som er vel-etablert og sikre økonomisk. Deler av denne gjelden er tatt for å løse boligkrisen for sine unger og andre for å få råd til dyre ferie-reiser. Dette gjør at den jevne nordmann har mer lån til bankene og at bankene tilslutt eier mer av boligene enn det de gjorde for tolv år siden.

Dette burde jo være ett varsko. Varsellampen burde gå. Vi går på rødt lys. Prisene på boligmarkedet er så hett. At to lønninger er ikke nok til å dekke prisen, ei heller rentene. Man trenger å ha kausjon hos sine foreldre. Slik at de vil ha andre muligheter enn før. For når du er i 60 årene regner jeg med at du har levd ett langt liv og klar for pensjonist tiden. Da skal alle andre store utgifter være dekt. Slik som huset, bilen, båten eller hytta. Disse skal være nedbetalt. Fordi med den nedadgående inntekten kan ikke svare seg å ha låne i plenty og beholde de aktiva man har skaffet seg i løpet av livet. Derfor burde man med skepsis se på de tallene som nå dukker opp! Disse er kanskje positive for økonomene og de som driver i finansbransjen. De får jo prosenter og fortjenester på antall lån!

Så jo flere lån.. jo mer fortjeneste. Da blir jeg naturlig skeptisk når en i finansnæringen kommenterer og sier at det er positivt at flere har mer lån. Det jeg tenker er at: er det det?

Fordi har flere lån og gjeld. Så vil det si at flere er avhengig av å nedbetale renter og avgifter til sine långivere. Fordi dette vil sette mange flere i en situasjon hvor man får spart mindre og skaffe mindre trygghet inntil sin egne pensjonistalder. Jeg som alle andre vil at mine foreldre skal ha best mulig alderdom. Ikke bare fordi de er mine foreldre, men fordi de har jobbet men mannsalder og derfor bør de ha trygge rammer. Dette er noe vi alle vil våre nærmeste. Derfor låner foreldre til sine unger slik at de kommer seg inn på ett presset boligmarkedet. Hvor prisene er sky-høye og markedet er langt fra mettet.

Å nå, hvis denne situasjonen forsterker seg! Hva vil utfallet ha, og om flere personer kommer til å måtte slite med økende renter. Sidene rentene har ligget lavt og må en eller annen gang gå opp. Det er bare spørsmål om tid. Siden de er så kunstig lave. Så inni granskauen kunstig lave. Vil det altså si at økende renter på allerede høye lån vil gi uante konsekvenser for mange lånetagere. Ikke at dette er en ønsket posisjon. Men verden er jo slik den er. Full av smarte mennesker som ønsker lett-tjente-penger og folk som vil ha tak over hode. Derfor blir bolig et investerings objekt. Istedenfor det, det burde være: en nødvendighet. Bankene burde vite at det er nødvendig med en bolig. Ikke at dette er et objekt bare for økt økonomisk vinning. Dette burde være selvsagt. Eller har det ironisk nok gått dem hus forbi?

Vil vi at vi skal være i ett samfunn hvor boligmarkedet låser mennesker ute. Der hus blir en så stor luksusvare at man må være flere enn to for å ha anledning til å anskaffe seg dette! Er det målet til samfunnet og økonomien rundt oss? Eller er tak over hode en slik byrde for oss alle. Det skal være og bør være det største kjøpet vi gjør i livet. Det er reelt og sikkert. Men bør vi ikke klare det med 4 hender og ikke med å låne midler fra våres foreldre. Våres foreldre som trenger disse midlene til å ha en sikker pensjonist periode. Eller er det en ikke sak? Jeg sitter her å lurer. Har du ett svar? Kjør på!

Aktuell artikkel:

http://www.aftenposten.no/okonomi/60-aringer-ikke-lenger-gjeldfrie-7089892.html

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