isishwankathelo

Ngomhla wesi-8 kweyoMsintsi yowama-2023 iSebe lezoThutho lipapashe uyilo loMthetho osaYilwayo oYilwayo weNgxowa-mali yeeNgozi zeNdlela wowama-2023.

Ukuba idrafti yomthetho oyilwayo iba ngumthetho, amalungelo abo bonke abaqhubi, abakhweli nabahambi ngeenyawo ukuba bafune imbuyekezo ngokwenzakala kwabo kwingozi yemoto baya kuthatyathwa. Endaweni yayo iya kuncitshiswa kakhulu "iinzuzo zentlalo".

Enyanisweni kuphela izibonelelo ezilinganiselweyo eziya kuhlawulwa kwaye utshintsho luba sisithintelo esiqatha samalungelo akhoyo esiya kuchaphazela bonke abemi boMzantsi Afrika (ingakumbi abona bantu bahluphekayo). Ezinye zezona zithintelo zibalulekileyo kumalungelo akhoyo zezi:

1. 1. Ilahleko yemivuzo
      Okwangoku, ibango lelahleko yengeniso lihlawulwa ngesixa-mali. Phantsi kwenkqubo entsha abenzi-mabango baya kufumana iintlawulo zeannuity (inxenye) eziya kuthi ekugqibeleni zilingane nesixa-mali. Kukwakho nesiqinisekiso sokuba isixa-mali esihlawulwayo sixhomekeke kuphononongo lwamaxesha athile lwamatyala eNgxowa-mali. Ukuba umenzi webango uyasweleka phambi kokuba kufunyanwe i-annuities epheleleyo iintlawulo ziya kuyeka kwaye iindlalifa zabo aziyi kuzuza nto.
   2. Intlungu kunye nokubandezeleka
      Abafaki-mabango abasayi kuphinda bafumane imbuyekezo ngenxa yeentlungu, ukubandezeleka, ukonakala kunye nokothuka njengoko olu didi lomonakalo luya kubhangiswa ngokupheleleyo.
   3. Ukukhutshwa kwimbuyekezo
      1. Okwangoku umenzi webango u-inshorensiwe ngokuqhuba ngokungakhathali kwemoto nokuba iqhutywa phi. Phantsi kwenkqubo entsha ingozi kufuneka ibe yenzeke kwindlela yoluntu. Ukwenzakala kwiingozi zemoto kwiindawo zokupakisha, amabala emidlalo, kwiindlela zasefama, kwiindlela zokuhamba, kwiindawo zabucala, kwiindawo zolondolozo lwezilwanyana okanye kuyo nayiphi na enye indlela yabucala azisayi kubandakanywa.
      2. Abahambi ngeenyawo abawela uhola wendlela nabo ababandakanywa ngokukodwa.
      3. Abafaki-mabango abayi kuhlawulwa ukuba batshayiswe sisithuthi esingachazwanga. Phantsi kwenkqubo yangoku, iziganeko ezibizwa ngokuba “zibethelwa kwaye ziqhube” ziyahlawulwa.
      4. Ngoku nabani na, nokuba ungowaluphi na uhlanga, owonzakele kwisithuthi eMzantsi Afrika ukhuselekile.
      5. Olu tshintsho lucetywayo lukwakhuphela ngaphandle ngokukodwa kwimbuyekezo nawuphi na umqhubi, umhambi ngeenyawo okanye umkhweli webhayisikile ngaphaya komda omiselweyo wotywala ngokusemthethweni, nokuba ngubani owenze impazamo, kunye nabaxhomekeke kubo xa benokuthi babulawe. Kusenokwenzeka ukuba eli candelo lingatolikwa njengelithetha ukuba abakhweli babantu abasele utywala nabo bangabandakanywa. Okubalulekileyo kukuba, iRAF iya kukwazi ukubuyisela inkcitho kubantu abasele utywala nokuba khange bayibangele ingozi ababandakanyeka kuyo.
      6. Okunye okungabandakanywayo kwimbuyekezo kubandakanya, umzekelo, iimeko apho kunokubakho ibango letyala lemveliso, abantu abonzakele ngelixa befota imuvi okanye isibhengezo kunye nabakhweli abanokuthi bahlawulelwe yi-inshurensi yetyala lomkhweli - ngaphandle kwento yokuba olo khuseleko lunokuncipha kakhulu. .
   4. Iindleko zonyango
      Akusayi kubakho mbuyiselo yeendleko ezihlawulwa yimedical aid/inshorensi. Oku kuya kwandisa kakhulu iipremiyamu ezineziphumo ezibi kuwo onke amalungu oncedo lwezonyango. Ezi zilungiso zicetywayo zikwavala imbuyekezo kuye nawuphi na umntu ongengommi waseMzantsi Afrika okanye ongenguye umhlali osisigxina othe ngqo. Ngokwahlukileyo kwixesha langoku, onke amabango onyango exesha elizayo kuya kufuneka agunyaziswe kwangaphambili yiRAF okanye akayi kuhlawulwa.
   5. Amabango ajoliswe kumntu obangele ingozi
      Nangona olu tshintsho lunciphisa kakhulu ilungelo lamaxhoba engozi lokufuna imbuyekezo aluwavumeli amaxhoba amsulwa ukuba amangalele umenzi wobubi ngomonakalo ongafunyanwanga kwiRAF.