Malunga capital lokubeleka ukucela ezo iintsapho kutsha abaye baba umntwana wesibini okanye wesithathu. Inyaniso kukuba asingawo wonke umntu uyazi ukuba ukusebenzisa indlela kakuhle kumalungelo alo. Ngoko ke, eli nqaku inika uluvo jikelele ukuba amalungiselelo njani capital ngosana.
Okokuqala kufuneka uqonde lowo zingafumaneka kuyo. Resolution yeKhabhinethi yaBaphathiswa igqibe ukuba iintsapho ukufumana uncedo, apho kutshanje wazalwa umntwana kwesibini. Noko ke, lo mthetho isebenza ukususela ekuqaleni kuka-2007. Kwaye imali ukufumana abazali, abaye bagqiba kwelokuba amkele usana yesibini. Ngexesha lobhaliso umntwana eyinkunzi kufuneka ibhaliswe. UMamkeli weLahleko kuba jikelele umama. Uyise yena, unako kwakhona ukunika imali, kodwa kuba oku kuyimfuneko ukuqinisekisa ukuba unina wafa okanye umnakekeli amalungelo zakhe umntwana.
Phambi kokuba akhuphe imali eyinkunzi ngosana, kufuneka wazi ukuba kwimeko ukulahleka kwesafikethi kufuneka odola idyuplikethi, kodwa uncedo kanye nje. Ke ubungakanani wamcacisela inani lemali, ngoko kubhaliwe indexed ngonyaka, kuthathelwa ingqalelo izinga lokukhula kwamaxabiso kweli lizwe. Ukusebenzisa imali kunokwenzeka kuphela xa umntwana ujika iminyaka emi-3.
Phambi kokuba akhuphe imali eyinkunzi ngosana, kufuneka ukuba uyazi ukuba yintoni na umthetho uvumela ukuba ukuchitha. Okokuqala, akunikwe kukuphuculwa kweemeko izindlu zezemfundo abantwana abangaphantsi kweminyaka engama-25, kwakunye ukuqinisekisa ukuba inxalenye inkxaso ye pension ka ngumlondolozi okanye umzali liye landa. Ngoko siyathemba ukuba imali ungafumana "izandla" kwaye usebenzise nabo ngokwabo lakho, musa. Kufuneka kuqatshelwe ukuba ixesha apho unako ukucela uncedo, ayiphelelanga ngexesha.
Phambi kokuba akhuphe imali eyinkunzi ngosana, kufuneka aqokelele onke amaxwebhu ayimfuneko. Zonke iinkqubo zokufumana usebenzisa uncedo phantsi kolawulo Pension Fund. La maxwebhu uyakwazi uzise umntu-arhente karhulumente okanye uzithumele ngeposi. Uya kudinga incwadana yokundwendwela, nto leyo eqinisekisa yesazisi sakho, izatifikethi zokuzalwa bonke abantwana, yaye kufuneka ibe uphawu abantwana ezibhaliswe kweli lizwe. Ngokwendalo, kunye namaxwebhu ayimfuneko ukwenza iikopi.
Ukwenza capital lokubeleka ayikho umsebenzi onzima, kodwa kuthatha ixesha elininzi. Ngoko zama ngexesha uhambo kwi -mali yomhlalaphantsi ukufaka zonke nezokuqala iikopi zamaxwebhu ezingenazo amaxesha ambalwa ukubuyela emzimbeni karhulumente. Ukuba ufuna ukuthumela yonke imeyile, kufuneka sazi iinkcukacha lommeli mali i kwindawo yakho (idilesi, ikhowudi yeposi). Ukongeza ekunikezeleni amaxwebhu, kufuneka ubhale isicelo uncedo. isampula wakhe ingafunyanwa kwi kwiqumrhu loluntu (Pension Fund) website esemthethweni. Nangona kunjalo, le ndlela ifuna ixesha.
Unga kwakhona owonithemba ukubulawa ummeli womthetho, kodwa oku kufuneka loluntu uligqwetha, nto leyo engqina ilungelo lesithathu ukuqhuba imicimbi yakho.
Ngoko ke uyazi yintoni eyinkunzi unina kunye nendlela ukujongana kuyilo yayo. ithamsanqa!