izingxoxo zokuthatha umhlalaphansi

UMnyango Wezezimali Kazwelonke umeme umphakathi ukuthi uphawule ngamaphepha amabili ezingxoxo zokuguqulwa komhlalaphansi.

• • • 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.

Engeza iziphakamiso zakho, noma usho ngezansi.

ISITATIMENDE SEMIDLA KAZWELONKE SOMGCINIMAZO

UMgcinimafa Kazwelonke namuhla ushicilela amaphepha amabili mayelana nezinye izinguquko zomhlalaphansi eziphakanyisiwe ukuze umphakathi uphawule ngazo. Elokuqala kulawa maphepha, elinesihloko esithi 'Ukukhuthaza Imindeni YaseNingizimu Afrika ukuthi yonge okuningi ukuze ithathe umhlalaphansi', lilandela isimemezelo sakamuva sikaNgqongqoshe Wezezimali enkulumweni yakhe ye-MTBPS kaNovemba 2021 (futhi lilandela izimemezelo zangaphambilini kwiSabelomali sika-2021), maqondana nokukhulisa ukonga kwemindeni ngokwandisa ukonga ngaphambi kokuthatha umhlalaphansi kanye nokwandisa ukuguquguquka ngokufinyelela okuyingxenye kwizimali zomhlalaphansi ngohlelo "lwamabhodwe amabili".

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 esicatshangelwayo njengamanje ngephepha elikhishwe ukuze umphakathi ubonisane ngalo (okungukuthi ' Ukukhuthaza imindeni yaseNingizimu Afrika ukuthi yonge imali eyengeziwe yomhlalaphansi' ), ukwethulwa kohlelo lwamabhodwe amabili, oluzokwenza kube lula ukuhlela kabusha iminikelo yomhlalaphansi ibe ngamabhodwe amabili. Ibhodwe elilodwa kufanele ligcinwe kuze kube yilapho umhlalaphansi uthatha umhlalaphansi (okubili kwezintathu), kanti elinye lizokwenza kube lula ukufinyelela ngaphambi komhlalaphansi (okukodwa kwezintathu). Uhulumeni unombono wokuthi ukulondolozwa kweminikelo kumele kuhambisane nokuhlelwa kabusha okunjalo ukuqinisekisa ukuhlinzekwa okwanele komhlalaphansi nokugwema ubumpofu bokuguga kanye nokuthembela kuhulumeni. Ukuhlelwa kabusha okunjalo kuzobandakanya ukuvikelwa kwamalungelo anikezwe ekongeni imali yomhlalaphansi eqoqwe ngaphambi kwebhodwe elisha lamabhodwe amabili.

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 ezihlanganisa isisekelo' lihlose ukuthuthukisa ukuphathwa kwezimali zomhlalaphansi ngokujwayelekile, kodwa ikakhulukazi ezihlanganisa izikhwama ezihlanganisa isisekelo sezentengiselwano. Okubalulekile phakathi kwalokhu ukuphambuka enkambisweni yokuba nabasebenzi abangu-50% esikhwameni esihlanganisa isisekelo sezentengiselwano.