UMnyango Wezezimali Kazwelonke umeme umphakathi ukuthi uphawule ngamaphepha amabili ezingxoxo zokuguqulwa komhlalaphansi.
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- Iphepha lokuqala yethula uhlelo lwezimbiza ezimbili. Lokhu kuzokwenza ukuhlelwa kabusha kweminikelo yomhlalaphansi ibe amabhodwe amabili:
- Ibhodwe elilodwa kufanele ilondolozwe kuze kube yilapho usuthatha umhlalaphansi (okubili kokuthathu);
- Ibhodwe lesibili lizovumela ukufinyelela ngaphambi kokuthatha umhlalaphansi (ingxenye eyodwa kwezintathu).
- Iphepha lesibili ihlose ukwenza ngcono ukubusa ezikhwameni zomhlalaphansi ngokujwayelekile, kodwa ikakhulukazi ezikhwameni ezambulela ezentengiselwano.
- Iphepha lokuqala yethula uhlelo lwezimbiza ezimbili. Lokhu kuzokwenza ukuhlelwa kabusha kweminikelo yomhlalaphansi ibe amabhodwe amabili:
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Engeza iziphakamiso zakho, noma usho ngezansi.
569 imibono ilethiwe (ivaliwe ngomhla ka-31 Januwari 2022)
[IVALIWE] Yiba nezwi lakho - lungisa umphumela.
ISITATIMENDE SEMIDLA KAZWELONKE SOMGCINIMAZO
UMnyango Wezezimali Kuzwelonke namuhla ushicilele amaphepha amabili mayelana nezinguquko ezihlongozwayo zokuthatha umhlalaphansi ukuze umphakathi uphawule ngakho. Elokuqala lalawa maphepha, elinesihloko esithi 'Ukukhuthaza imindeni yaseNingizimu Afrika ukuthi yonge imali eningi yomhlalaphansi', kulandela isimemezelo sakamuva sikaNgqongqoshe Wezezimali enkulumweni yakhe ye-MTBPS yangoNovemba 2021 (kanye nokulandela izimemezelo zangaphambilini kwiSabelomali sika-2021), mayelana nokuthuthukisa ukonga kwasekhaya ngokwandisa ukonga ngaphambi kokuthatha umhlalaphansi kanye nokwandisa ukuguquguquka ngokufinyelela ingxenye yesikhwama somhlalaphansi ngokusebenzisa Isistimu "yezimbiza ezimbili".
Uhulumeni uyazwelana nobunzima iningi labantu baseNingizimu Afrika ababhekene nalo njengamanje ngenxa yomqedazwe we-Covid-19 futhi usexoxisane nabalawuli kanye nabanye ababambiqhaza ababalulekile ukuze benze izinyathelo zokusiza abathengi. Ngenxa yalokho, izinyathelo zokumiswa komnikelo kanye namaholide, kanye nokwandiswa kokutholakala kwama-living annuities kwenziwe ukuze kudambise usizi lwamanye amalungu.
Nakuba izimali zomhlalaphansi kufanele zisetshenziselwe kuphela izizathu ezihlosiwe, okungukuthi ilungiselelo lomhlalaphansi, uHulumeni uyaqaphela ukuthi kungase kube nesidingo sokuvumela ukufinyelela okuthile emalini enqwabelene yomhlalaphansi ngaphambi kokuthatha umhlalaphansi. Kungalesi sizathu uMgcinimafa Kazwelonke waphawula, ekubuyekezweni komkhakha wezezimali weSabelomali sango-2021, ukucatshangelwa kokuvumela ukuhoxiswa okulinganiselwe ngaphambi kokuthatha umhlalaphansi ezikhwameni zomhlalaphansi ngaphansi kwezimo ezithile, uma lokhu kuhambisana nokugcinwa okuyisibopho.
Isiphakamiso okwamanje esicutshungulwa ngephepha elikhishwe ukuze kuboniswane nomphakathi (okungukuthi 'Ukukhuthaza imindeni yaseNingizimu Afrika ukuthi yonge imali yomhlalaphansi'), wukwethulwa kohlelo lwezimbiza ezimbili, oluzokwenza ukuthi kuhlelwe kabusha iminikelo yomhlalaphansi ibe ngamabhodwe amabili. Ibhodwe elilodwa kufanele lilondolozwe kuze kube yilapho usuthatha umhlalaphansi (okubili kokuthathu), kanti enye izonika amandla ukufinyelela ngaphambi kokuthatha umhlalaphansi (ingxenye eyodwa kwezintathu). Uhulumeni unombono wokuthi ukulondolozwa kweminikelo kufanele kuhambisane nokuhlelwa kabusha okunjalo ukuze kuqinisekiswe ukuhlinzekwa okwanele komhlalaphansi futhi kugwenywe ubumpofu bokuguga kanye nokuthembela kuhulumeni. Ukuhlelwa kabusha okunjalo kuzobandakanya ukuvikelwa kwamalungelo anikezwe wona emalini eqongelelwe yomhlalaphansi ngaphambi kwamabhodwe amabili amasha.
isakhiwo sisebenza. Ukuhlelwa kabusha okuhlongozwayo kwezimali zomhlalaphansi zibe yibhodwe elifinyeleleka kalula kanye nebhodwe lomhlalaphansi kuzobhekana nesimo iningi lamalungu ezikhwama azithola likuso ngenxa yokungabi nalo enye indlela yokonga yesikhashana. Lokhu kubhebhethekiswe wubhubhane lwe-Covid-19, okuholele ekutheni abanye abasebenzi balahlekelwe noma banciphise imali abayitholayo.
Kucatshangelwa futhi ukwethula ukubhaliswa okuzenzakalelayo (okuholela ekubhaliseni okuyimpoqo) ohlelweni lomhlalaphansi. Akubona bonke abaqashi abahlinzeka ngenzuzo yomhlalaphansi kubasebenzi babo. Ngaphandle kwalapho laba basebenzi bezibhalisa ngokwabo esikhwameni se-retirement annuity, basala bengenaso ilungiselelo lokuthatha umhlalaphansi. Isithasiselo saleli phepha sethula amazwibela kafushane ngokuthi yini engenziwa ukuze ekugcineni wonke umuntu osebenzayo eNingizimu Afrika afakwe ohlelweni oluthile lokuthatha umhlalaphansi noma imihlomulo efanayo.
Iphepha lesibili, elinesihloko esithi 'Ukuphathwa kwezimali zezambulela' ihlose ukwenza ngcono ukubusa ezikhwameni zomhlalaphansi ngokujwayelekile, kodwa ikakhulukazi ezikhwameni ezambulela ezentengiselwano. Okubalulekile phakathi kwalokhu ukuchezuka kwenkambiso yokuba no-50% wokumeleleka kwabasebenzi esikhwameni esambulela sezentengiselwano.