Iingcebiso malunga nerhafu

2016-03-17 06:00

Amalungu engxowa-mali yomhlala-phantsi kufanele afumane isibini esithathwini semali yabo egciniweyo yomhlala-phantsi xa bekumhlala-phantsi ngokohlobo lwemali ehlawulwa ngokwesambuku nyaka nonyaka kwaye oku akukatshintshi.

Inye kuphela into etshintshileyo sisambuku esihlawulwa nyaka nonyaka esingaphantsi sokuqala apho kungafuneki ukuba imali obuyilondoloza uyifumane njengomvuzo nyanga nenyanga. Oku kwaziwa ngokuba zezinye izinto ezizuzwa emsebenzini ezingatsalelwa rhafu ngaphandle komvuzo kwaye yenyuke ukusuka kuma-R75 000 ukuya kuma-R247 500. Ngoko ke, ukuba amalungu anemali engaphantsi kwama-R247 500 kwimali abayilondolozayo beyigcinela umhlala-phantsi banokuyithatha yonke loo mali.-Amalungu eProvident fund:oPhambi komhla woku-1 kweyoKwindla wama-2016, imali esuka kwilungu ibingatsalwa rhafu (kanti umqeshi angakwazi ukutsala imali efakwa ngumqeshi kwimali yerhafu). Ngoku, ukususela ngomhla woku-1 kweyoKwindla wama-2016, igalelo lelungu kwiprovident fund yimali etsalwa irhafu kwaye ilungu linganegalelo lama-27.5% kumvuzo uwonke otsalelwa irhafu okanye kuwo uwonke umvuzo owunikwa ngumqeshi (nokuba yeyiphi eyona ininzi), ngokuxhomekeke kweyona mali iphezulu ngonyaka yama-R350 000.

Amalungu engxowa-mali yomhlala-phantsi ozibethela yona bucala (RA): oNgaphambili imali ebitsalwa li-15% lemali yezinto ezingatsalwayo kwimali yomhlala-phantsi yamalungu engxowa-mali yomhlala-phantsi. Ngoku ilungu linganegalelo lama-27.5% lemali enokutsalwa yerhafu iyonke kumqeshi ingene kwimali yabo yomhlala-phantsi, kwiprovident fund nankwingxowa-mali yomhlala-phantsi ozibekela yona bucala. Oku kuxhomekeke kwimali oyifumana ngonyaka engama-R350 000.UMsipha ucebisa ukuba amalungu afunde ukuba ingaba izihlomelo ezintsha kumthetho werhafu zinefuthe elithini kwimali yabo abayigcinele umhlala-phantsi kwaye bangayenyusa njani na imali yabo abayilondolozayo ukuze ikamva labo likhuseleke ngokwezemali. Ukwandisa imali abayifaka kwingxowa-mali yomhlala-phantsi ngomnye umzekelo woku.

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