iingxoxo zomhlalaphantsi

UNondyebo weSizwe wamema uluntu ukuba luvakalise izimvo zalo malunga namaphepha amabini engxoxo ngohlaziyo lomhlalaphantsi.

• • • Iphepha lokuqala yazisa inkqubo yeembiza ezimbini. Oku kuya kwenza ukuhlengahlengiswa kweminikelo yomhlalaphantsi ibe ziimbiza ezimbini:
      • Imbiza enye kufuneka igcinwe kude kube ngumhlala-phantsi (isibini kwisithathu);
      • Imbiza yesibini iya kwenza ukuba ufikelelo phambi komhlalaphantsi (isinye kwisithathu).
    • Iphepha lesibini ijonge ukuphucula ulawulo kwiingxowa-mali zomhlalaphantsi ngokubanzi, kodwa ngakumbi kwiingxowa-mali ezisambrela zorhwebo.

Yongeza iingcebiso zakho, okanye uthethe ngezantsi.

INGXELO YOMANDLA KAZWELONKE KAZWELONKE

ISebe lezeMali leSizwe namhlanje lipapasha amaphepha amabini malunga notshintsho olucetywayo lomhlalaphantsi ukuze uluntu luphawule ngalo. Elokuqala kula maphepha, elinesihloko esithi 'Ukukhuthaza imizi yaseMzantsi Afrika ukuba yonge imali engaphezulu yomhlalaphantsi', lilandela isibhengezo sakutshanje esenziwe nguMphathiswa wezeMali kwintetho yakhe ye-MTBPS kaNovemba ka-2021 (nasemva kwezibhengezo zangaphambili kwiBhajethi ka-2021), malunga nokunyusa ukonga kwemizi ngokwandisa ukugcinwa ngaphambi komhlalaphantsi kunye nokwandisa ukuguquguquka ngokufikelela okuncinci kwimali yomhlalaphantsi ngenkqubo "yeembiza ezimbini".

Urhulumente unovelwano kubunzima abantu abaninzi baseMzantsi Afrika abajongene nabo ngoku ngenxa yobhubhani we-Covid-19 kwaye uzibandakanye nabalawuli kunye nabanye abachaphazelekayo abaphambili ukwenza iindlela zokunceda abathengi. Ngenxa yoko, imilinganiselo yokunqunyanyiswa kwegalelo kunye neholide, kunye nokwandiswa kokufikelela kwii-annuities zokuphila kwenziwe ukuba kube lula ukuthomalalisa ubunzima bamanye amalungu.

Nangona ulondolozo-mali lomhlalaphantsi lufanele ukuba lusetyenziswe kuphela ngenxa yezizathu ezicetyiweyo, ezizezi, ubonelelo lomhlalaphantsi, uRhulumente uyayiqonda into yokuba kunokubakho imfuneko yokuvumela ufikelelo oluthile kwiimali eziqokelelweyo zomhlalaphantsi phambi kokuthatha umhlalaphantsi. Kungenxa yesi sizathu ukuba uNondyebo weSizwe waqaphela, kuHlahlo-lwabiwo-mali lwecandelo lezemali lowama-2021, uqwalaselo lokuvumela ukurhoxiswa okulinganiselweyo kwangaphambi kokuthatha umhlalaphantsi kwiingxowa-mali zomhlalaphantsi phantsi kweemeko ezithile, ukuba oku kukhatshwa kukulondolozwa okunyanzelekileyo.

Isiphakamiso esiqwalaselwayo ngoku ngephepha elikhutshwe ukuze kuxoxwe noluntu (oko kukuthi ' Ukukhuthaza iintsapho zaseMzantsi Afrika ukuba zonge imali engaphezulu yomhlalaphantsi' ), kukungeniswa kwenkqubo yeembiza ezimbini, eya kwenza ukuba kuhlengahlengiswe iminikelo yomhlalaphantsi ibe ziimbiza ezimbini. Imbiza enye kufuneka igcinwe kude kube ngumhlalaphantsi (isibini kwisithathu), ngelixa enye iya kuvumela ukufikelela ngaphambi komhlalaphantsi (isinye kwisithathu). Urhulumente unombono wokuba ukugcinwa kweminikelo kufuneka kuhambisane nohlengahlengiso olunjalo ukuqinisekisa ukubonelelwa okwaneleyo komhlalaphantsi kunye nokuphepha ubuhlwempu bokwaluphala kunye nokuthembela kurhulumente. Olu hlengahlengiso luya kubandakanya ukukhuselwa kwamalungelo anikwe imali eqokelelweyo yomhlalaphantsi ngaphambi kokuba kubekho iimbiza ezimbini ezintsha.

ulwakhiwo lusebenza. Uhlengahlengiso olucetywayo lokulondoloza imali yomhlalaphantsi ibe yimbiza efikelelekayo kunye nembiza yomhlalaphantsi iya kulungisa imeko uninzi lwamalungu eengxowa-mali azifumanisa ekuyo ngenxa yokungabi nalo naluphi na olunye uhlobo lolondolozo lwexeshana elifutshane. Oku kuye kwandiswa ngubhubhani we-Covid-19, okhokelela ekubeni abanye abasebenzi bafumane ilahleko okanye imivuzo ephantsi.

Kukwaqwalaselwa ukuqaliswa kobhaliso oluzenzekelayo (okukhokelela kubhaliso olusisinyanzelo) kwinkqubo yomhlalaphantsi. Ayingabo bonke abaqeshi ababonelela ngenzuzo yomhlalaphantsi kubasebenzi babo. Ngaphandle kokuba aba basebenzi bazibhalisa kwingxowa-mali yomhlalaphantsi, bashiyeka bengenalungiselelo lomhlalaphantsi. IsiHlomelo sephepha sazisa amagqabantshintshi angento enokwenziwa ukuze ekugqibeleni wonke umntu osebenzayo eMzantsi Afrika afakwe kwiskim somhlalaphantsi okanye izibonelelo ezifanayo.

Iphepha lesibini, elinesihloko esithi 'Ulawulo lwee-umbrella funds' lijonge ukuphucula ulawulo kwii-retirement funds ngokubanzi, kodwa ngakumbi kwii-umbrella funds zorhwebo. Eyona nto iphambili kwezi kukuphambuka kwindlela eqhelekileyo yokuba nabasebenzi abangama-50% kwi-umbrella fund zorhwebo.