Inkunzi yeMaternity ekuphuculweni kweemeko zokuphila: silawula ngengqondo

Umthamo weMaternity njengomlinganiselo wenkxaso kwiintsapho sele usebenza ukususela ngo-2007, kodwa kunokuba wonke umntu uyakwazi ukuwusebenzisa ngobulumko ukususela kwinzuzo enkulu kwintsapho. Ngoko, luhlobo luni lo ncedo kwaye ngubani ongumzali wenkunzi?

Uninzi lweentsapho luyazi ukuba yeyiphi injongo enokuthi iyenzelwe imali yokubeletha: ekuphuculeni imimiselo yezindlu, umhlalaphantsi oxhaswa ngemali kumama okanye kwimfundo yabantwana. Ukuxhaswa ngulo hlobo lunikezelwa kubazali emva kokuvela komntwana wesibini. Oku kuthetha ukuba abazali kunye nabantwana abazalelwe kunye nabantwana abamkelweyo banelungelo kulolu hlobo lononophelo olunikezelwe ukuba iimeko eziphambili zidibeneyo. Kubalulekile: umgaqo usebenza kuphela kuloo ntsapho apho oomama bengabanjwanga amalungelo abo kubazali, ngaphandle koko banqatshelwe lolu hlobo lwenkxaso yombuso.

Zingaphi kangangoko ndifumana i-capital parentin? Ngaba sinelungelo lokulusebenzisa ukuba umntwana wesithathu sele evele evele kwintsapho, kwaye ngelixa i-capital motherhood isivele ikhishwe? Ewe, kodwa kuphela xa ungayifumana inkunzi yentsapho yomntwana wangaphambili. Olu hlobo loncedo kwiintsapho ezinezingane kuphela. Oku kuthetha umntwana omnye kuphela. Ngexesha elifanayo, lingasetyenziselwa iimfuno zemfundo kwanoma yimuphi umntwana okanye kwiminqweno yentsapho yonke, ukuba i-capital mother-maternity ijoliswe ekuphuculeni izimo zezindlu.

Uphi umthamo wabanina obhalisiweyo? Isatifikethi esifanelekileyo sibhaliswe kwiNgxowa-mali yePensheni, apho kufuneka uqokelele ubuncinci bamaxwebhu. Ngendlela, uye kunoma yimuphi umzekelo, yenza iikopi zazo zonke iincwadi ozinayo nawe. Oku kuya kukusindisa ekutyeleleni okungadingekile kunye nemigca. Ukuba awuhlali kwindawo yokuhlala isigxina, uya kufumana kwiSebe le-PF kwindawo yokuhlala kuyo. Emva kokubhaliswa kwesatifikethi, unokubhala ibhengezo ekukhutshweni kwazo, nangona kunjalo, kwiimeko ezininzi uzakufuneka ulinde de kube ngumntwana uya kukhangela iminyaka emithathu. Ukungabikho kwemali: ukufumana imali mboleko yokuthengwa kwezindlu, nanini na xa kuthengiswa isivumelwano, kwaye nabani na umzali obolekayo. Kule meko, xa isatifikethi sikhutshwe, abazali abaphelelwanga ngumntwana womntwana.

Makhe sihlale ngakumbi kwiinkalo xa intsapho ihola i-capital parentin ukuphucula izimo zezindlu. Ukuba ucinga nje ngokuklanywa kwemboleko yemali mboleko, enye yeendlela ezifunekayo ukuba i-bhanki ikulungele ukuba yamkele isatifikethi sakho njengentlawulo yokuhlawula kunye nokuba ingaba kunqandekile malunga nokuba uninzi kangakanani umboleki wakho umboleki kufuneka abe negalelo. Esi sizathu sezizathu zokuba kungenyanzeliswa ukuba sichithe imali enkulu yentsapho kwiindawo ngeenjongo ezahlukeneyo. Inxalenye esele ingabonakala inganeleyo kwibhanki ukuba yamkele njengentlawulo ephantsi.

Isatifikethi sinokusetyenziswa kwaye emva kokubhaliswa kwemboleko, kwakunye nokuhlala kwiimali-mboleko zangaphambili ezithathwe kwizindlu. Kule meko, amatyala ekwenqatshelwe kwebhanki ukuba amkele isatifikethi kwi-akhawunti yentlawulo ayifuni. Enyanisweni, iNgxowa-mali yePensheni iya kufuna ukuzinikela okuphawulwe ngu- notary ukuba onke amalungu omndeni aya kufumana izabelo kwigumbi, oku kuthetha-kunye nabantwana.

Ukuba imali engabikho yokuthenga ifaniswa nobukhulu benkxaso-karhulumente enombuzo, kwaye wena kunye nomthengisi wezindlu akukwazi ukulinda iinyanga ezi-2 ngelixa imali idluliselwa kumthengisi ngePenshini yeNgxowa-mali, unokuzama ukufumana mboleko mboleki. Kodwa ngokuqhelekileyo kunenzuzo ekusebenziseni kwintlangano eyenza iimboleko zezindlu kunye nokusebenza ngokuzithandela kunye nezatifikethi zomama, kodwa kukho intetho yokunciphisa inani lemibutho egunyazisiweyo yokuqhuba loo ntengiso. Oku kunokwenziwa ukuba kungabikho ithuba lokuthengisela indlu ngabazali abangenangqondo.

Ngaphambili sasihlolisisa indlela inkunzi yentengo ingasetyenziselwa ukuphucula izimo zezindlu, umzekelo, ukuthenga indlu. Nangona kunjalo, ukhetho lunokuba luninzi. Esi sabelo sokwakhiwa, kunye nokwakhiwa kwekhaya labo elitsha, kwaye kwanokwakhiwa kwakhona (kodwa kungalungiswanga) kwendawo yakudala. Ewe, i mibuzo ebuzwe ngabo baye bathetha ukusebenzisa olu hlobo lombuso. Inkxaso, oku akukhawulelwanga. Fumana iimpendulo kuyo yonke imibuzo enomdla kuyo kumaphepha olawulo, kwiwebhusayithi yePenshini ye-Pension kunye namasebe awo.