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• W1488362009 abstract "The aim of this article was to provide an understanding of the reasons for the non-payment of mortgage bonds in the South African context. The article starts off with a brief history on housing finance under apartheid from 1948 to 1994. It then conceptualise current housing finance to the lower end of the market (mainly for black people) in South Africa. This is followed by a literature review of possible reasons that contribute to the non-payment of mortgage bonds in the South African context and a brief overview of the methodology followed during the interviews with defaulters. In the fourth part of the paper, the results from the empirical survey are discussed. The results of the survey confirm previous research that financial reasons are a fundamental factor that influences the non-payment of mortgage bonds. According to the respondents, other factors that influence non-payment include educational problems, political interference and peer pressure, and the reaction and efficiency of the banks. The recommendations of respondents on solving the problem of non-payment include shorter loan periods, improvement of bank management, and mortgage bond education. Reward programmes are also mentioned as a possible solution to defaulting. The study concludes that long-term affordability is one of the main reasons that contribute towards the non-payment of mortgage bonds. An additional conclusion is that financial institutions need to rethink their management of mortgage loans to lower-income households.Die doel met hierdie artikel is om die redes vir die nie-betaling van verbande in die Suid-Afrikaanse konteks te verduidelik. Die artikel begin met 'n kort geskiedenis, vanaf 1948 tot 1994, wat handel oor behuisingsfinansiering onder apartheid. Dit konseptualiseer dan die huidige behuisingsfinansiering aan die onderkant van die Suid-Afrikaanse mark (vir hoofsaaklik swart mense). Dit word gevolg deur 'n literatuuroorsig oor moontlike redes wat tot die nie-betaling van verbande in die Suid-Afrikaanse konteks bydra en 'n kort oorsig oor die metodologie wat in die onderhoude met wanbetalers gebruik is. Die resultate van die empiriese opname word in die vierde deel van die artikel bespreek. Dit bevestig vorige navorsing, wat getoon het dat finansiele redes 'n grondliggende faktor is wat die nie-betaling van verbande beinvloed. Ander faktore wat volgens die respondente nie-betaling beinvloed, is opvoedkundige probleme, politieke inmenging en groepsdruk en die banke se reaksie en effektiwiteit. Respondente se aanbevelings om die probleem van nie-betaling op te los, sluit in korter leningstydperke, die verbetering van bankbestuur en opvoeding oor verbande. Beloningsprogramme is ook as 'n moontlike oplossing vir wanbetaling genoem. Die studie kom tot die gevolgtrekking dat langtermyn bekostigbaarheid een van die hoofredes is wat tot die nie-betaling van verbande bydra. 'n Verdere gevolgtrekking is dat finansiele instellings weer moet herbesin oor hoe hulle verbande aan huishoudings in die laer inkomstegroepe bestuur." @default.
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• W1488362009 date "2005-12-01" @default.
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• W1488362009 title "The non-payment of mortgage bonds in South Africa : the voice of defaulters : research article" @default.
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