Uhlelo lomhlalaphansi lwamabhodwe amabili, okuwuhlelo olwaqala ukusebenza ukusebenza kusukela mhla lu-1 kuMandulo 2024, luqopha uguquko olukhulukazi kwindlela abantu baseNingizimu Afrika abongela ngayo umhlalaphansi. Nazi izinto ezinhlanu ezisemqoka kakhulu okumele uzazi ukuze ukwazi ukusizakala ngokuphelele kulezi zinguquko:
1 Empeleni lolu wuhlelo lwamaBhodwe Amathathu
Nakuba lolu hlelo lubizwa “ngohlelo lwamabhodwe amabili,” lubandakanya izingxenye ezintathu ezahlukene:
Ibhodwe Lemali Eyongiwe Ebivele Ikhona Esikhwameni Somhlalaphansi (Vested Pot): Lokhu kubandakanya yonke imali eyongelwe umhlalaphansi ebivele isikhona esikhwameni ngaphambi komhla zingama-31 kuNcwaba 2024. Usazokwazi ukufinyelela ngokuphelele kule mali lapho uthatha umhlalaphansi, futhi uvumeleke ukuyikhipha kanye kuphela le mali uma ungaphansi kwesikhwama sokulondoloza, futhi lapho usuthatha umhlalaphansi uvumeleke ukukhipha imali engafinyelela kwingxenye eyodwa kokuthathu njengesamba esiyisizumbulu. Uma ukhipha imali ngaphambi kwesikhathi esifanelekile somhlalaphansi uzokhokhiswa intela kuleyo mali, ngokuhambisana nemithetho yentela eqondene nokukhishwa kwemali esikhwameni somhlalaphansi, futhi lokhu kungenzeka kunciphise isibonelelo sakho osinikezwa kanye kuphela empilweni yakho sokukhipha isamba semali engama-R550 000 ngaphandle kokuthi kube nentela edonswayo eqondene nale mali.
Ibhodwe Lokonga: Kusukela mhla lu-1 kuMandulo 2024, izongena lapha ingxenye eyodwa kokuthathu yemali oyikhokhayo efakwa esikhwameni sakho somhlalaphansi futhi leli bhodwe lizoxhaswa ngesamba esingafinyelela kuma-10% semali yakho ebivele isikhona esikhwameni sakho somhlalaphansi (ebekelwe umkhawulo ophezulu ongama-R30 000 okungamele yeqe ngaphezu kwawo). Uvumelekile ukukhipha kuleli bhodwe kanye kuphela ngonyaka wentela, futhi isamba esiphansi semali ongayikhipha ngama-R2000. Kodwa-ke, emalini oyikhiphayo uzokhokhiswa intela ngokwezingasilinganiso lentela eliqondene nemali engeziwe engenayo kuwena (marginal rate) futhi lokhu kungase kwenze ukuthi ukhuphuke ungene emklamweni wentela ophakeme kunalowo ovamise ukukhokhiswa ngawo intela. Okunye ongakwenza okwehlukile kulokhu okungenhla, wukudlulisela izimali zakho ebhodweni lokonga, futhi ayikho intela ozoyikhokhiswa ngalokho.
Ibhodwe Lomhlalaphansi: Ingxenye yokubili kokuthathu yenkokhelomali oyikhokhayo nyangazonke ingena lapha. Le mali izovaleleka kuze kufike isikhathi lapho usuthatha umhlalaphansi (okuvamise ukuthi kube yiminyaka engama-60–65), futhi ngalesi samba semali esiphelele kumele uthenge umhlomulozikhathi womhlalaphansi (annuity). Imali esebhodweni lomhlalaphansi ngeke neze ukwazi ukuyithola uze ufinyelele eminyakeni yomhlalaphansi, futhi ngeke uyithole ngisho wesula noma udilizwa emsebenzini.
2 Kunesimo esisodwa esehlukile kulokho okujwayelekile maqondana nebhodwe lomhlalaphansi
Uma ingxenye yokubili kokuthathu (2/3rds) yemali eyongiwe ebivele isikhona kakade esikhwameni (ingxenye yomhlomulozikhathi womhlalaphansi) kanye nemali esebhodweni lomhlalaphansi, uma seyihlanganisiwe, ifinyelela kwisamba esingama-R165 000 noma ingaphansi kwaso, uvumelekile ukusithatha sonke leso samba njengemali engukheshi. Lokhu kubizwa ngokuthi umkhawulo we-R165 000 de minimis wona ohambisana noshwele wokungadonswa kwentela kuwona. Umkhawulo we-de minimis uqondene nawo wonke amalungu.
3 Lokhu kuselokhu kuyi-akhawunti eyodwa
Naphezu kokuba lokhu kungamabhodwe “amathathu,” imali oyongele umhlalaphansi iselokhu ikwi-akhawunti eyodwa engaphansi kwegama lakho. Isibonelo, uma unesamba semali ephelele engama-R1 650 000, kungenzeka ihlukaniswe ngale ndlela:
- Ibhodwe Lemali Eyongiwe Ebivele Ikhona Esikhwameni Somhlalaphansi: R1 000 000
- Ibhodwe Lokonga: R30 000
- Ibhodwe Lomhlalaphansi: R620 000
4 Ukukhishwa kwemali ebhodweni lokonga kuhambisana nemithetho eqinile
Ukukhishwa kwemali ebhodweni lokonga kuvumelekile njalo ngonyaka, kodwa-ke kuhambisana nemithelela ethile eqondene nentela. Uma ukhipha imali ebhodweni lakho lokonga, isamba semali ozosikhipha kuzodonswa kusona intela ngendlela efanayo neyokudonswa kwentela emholweni wakho ojwayelekile. Le mali oyikhiphile izokwengezwa phezu komholo wakho wonyaka, futhi uzokhokhiswa intela ngayo. Futhi, khumbula, ukuthi uma kunamafomu onyaka wentela ongawagcwalisanga, u-SARS ozoyalela umlawuli ukuthi adonse isikweletu sentela kuleyo mali ozoyikhipha yamabhodwe amabili.
5 Kumele ukhiphe okungenani isamba esingama-R2000
Uma uqoka ukukhipha imali, kumele ukhiphe okungenani isamba esisukela kuma-R2000 kuya phezulu ebhodweni lakho lokonga. Awukho umkhawulo ophezulu obekiwe wobukhulu besamba ongasikhipha.
6 Uma ukhipha imali, uzothola imali engaphansi kwaleyo ocele ukuyikhipha
Intela kanye nemali yokuqhuba nokulawula lo msebenzi wokukhipha imali (engama-R200 kuya kuma-R500) kuzodonswa kwisamba semali oyikhiphayo.
7 Cabangisisa ngokonga isikhathi eside ukuze unethezeke ngakwezezimali esikhathini esizayo
Yize ibhodwe lokonga likunikeza ithuba lokuthatha isinqumo sokwenza lokho okuthandayo mayelana nokuthi uyayikhipha noma uyayigcina yini le mali esebhodweni lokonga, ukushesha uyikhiphe imali kunciphisa isamba semali ozoyithola lapho usuthatha umhlalaphansi futhi uzokhokhiswa intela kuleyo mali ozoyikhipha. Ukugcina imali ebhodweni lokonga kuzoqinisekisa ukuthi le mali iyazala futhi iyakhula isikhathi eside, futhi lokho kuzokwenza ukuthi ukwazi ukunethezeka ngakwezezimali esikhathini esizayo. Lolu hlelo lwenziwe ngendlela ezokhuthaza ukuthi abantu bayonge kahle imali yabo, njengoba ingxenye yokubili kokuthathu yemali abayikhokhayo izovaleleka ebhodweni lomhlalaphansi.
Ekugcineni, uhlelo lwamabhodwe amabili lwenzelwe ukulekelela abantu baseNingizimu Afrika ukuba baqinisekise ukuthi kunokulingana okuhle phakathi kwezinjongo zabo zesikhathi eside zokongela umhlalaphansi futhi kusenjalo bakwazi ukufinyelela emalini abayongele umhlalaphansi uma kuvela izimo eziphuthumayo kanye nezinye izimo zempilo nezigameko ebezingalindelekile.
Uma ufuna ukuthola ulwazi oluthe xaxa chofa lapha
Umthombo wolwazi wamabhodwe amabili
Uma ufuna ulwazi olwengeziwe mayelana namaBhodwe Amabili olutholakala ngezinye izilimu zomdabu zase-Afrika chofa lapha
Ungawalawula kanjani amathemba akho maqondana nohlelo lomhlalaphansi lwamaBhodwe amabili
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