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Ukufaka Ibango Kwingxowa-mali Yeengozi Zendlela
Ukufaka Ibango Kwingxowa-mali Yeengozi Zendlela
INKCAZELO:
Yintoni iNgxowa-mali Yeengozi Zendlela?
Ngubani onokufaka ibango kule ngxowa-mali?
Ungayifumanela ukwenza ntoni imali?
Yintoni ukungakhathali?
Ibango liphunyezwa emva kwexesha elingakanani?
Ulifaka njani ibango kule Ngxowa-mali?
Lifakwa phi ibango?
YINTONI INGXOWA-MALI YEENGOZI ZENDLELA?
Ukuba umntu wonzakele okanye ubulewe kwingozi yemoto ngenxa yokungakhathali komqhubi ochaphazelekayo, yena okanye usapho lwakhe banokufaka ibango lembuyekezo kwi- Ngxowa-mali Yeengozi Zendlela. Oku kuthetha ukuba nokuba umqhubi waloo moto akanawo amalungiselelo e-inshorensi, unokufumana imali engakunceda uhlawulele iindleko zakho zonyango nokukubuyekeza ngexesha ongenakho ngalo ukusebenza.
Ingxowa-mali Yeengozi Zendlela linyathelo loluntu elenzelwe ukuhlawula imbuyekezo kubantu abonzakele kwiingozi zendlela okanye kubantu abebexhomekeke kwabo basweleke kwiingozi zendlela ezenziwe kukuqhutywa ngokungakhathali kwemoto eMzantsi Afrika. Ingxowa-mali le iyifumana imali yayo kwirhafu yamafutha ezithuthi esele ifakiwe kwixabiso lepetrol nelediesel.
NGUBANI ONOKUFAKA IBANGO KULE NGXOWA-MALI?
Ungafaka ibango ukuba ubukhe wonzakala kwingozi yemoto.
Abantu abebexhomekeke kuwe banakho nabo ukufaka amabango ukuba wabulawa kuloo ngozi.
Unokufaka ibango ukuba ubukhe wachaphazeleka kwingozi njengomqhubi, umkhweli okanye umhambi ngeenyawo.
Kunokubakho ibango kuphela ukuba ingozi leyo yenzeka ngenxa yokuqhuba ngokungakhathali komnye umntu. Awukwazi kufaka bango ukuba nguwe owenze loo ngozi. Awunakukwazi kufaka bango naxa inguwe wedwa futhi yimoto yakho yodwa ebikuloo ngozi, umzekelo, ukuba ugilise ipali.
Ukuba ubungumqhubi kule ngozi kodwa ungengomnini wamoto yaye ingozi le yenzeke ngenxa yokungakhathali komnini lowo (umzekelo, ububa akakhange azilungise iziqhoboshi) futhi wena wonzakele, unakho ke ukufaka ibango.
YIMALI YANTONI ONOKUYIFUMANA?
Ukuba wonzakele engozini yendlela, unokufaka ibango:
Ukuba nawe unenxaxheba ekudalekeni kwengozi leyo, usenakho ukufaka ibango kodwa uya kubuyekezwa kuphela umonakalo othile. Umzekelo, ukuba unenxaxheba engu-50%, uya kufumana kuphela i50% yomonakalo. Ukuba ube nenxaxheba engu-25%, uya kufumana imbuyekezo yomonakalo oyi-75%.
Awunakho ukufaka ibango lomonakalo odalwe kwimoto okanye impahla yakho. Ukuze ufumane imali yoku, kufuneka umangalele umqhubi wemoto edale ingozi leyo. Ukuba unamalungiselelo e-inshorensi, I-inshorensi yakhe iya kukuhlawula. Ukuba akanayo, kuya kufuneka akuhlawule yena buqu.
YINTONI UKUNGAKHATHALI?
Zingozi ezidalwe kukungakhathali komntu othile ezinokukhokelela ekuveleni kwamathuba okufaka amabango kule Ngxowa-mali. Ngoko ke kufuneka uze nobungqina bokuba umntu othile akakhange akhathale. Ukwenza oku ngokuza nobungqina bokuba umqhubi akakhange ayiqhube ngendlela umqhubi osezingqondweni ebenokuyiqhuba ngayo imoto yakhe kweza meko.
Ukuba ubungekho kwimoto edale loo ngozi, iNgxowa-mali Yeengozi Zendlela ayinamlinganiselo kwimbuyekezo yomonakalo onokuwubanga.
Ukuba wena okanye umntu okubonelela ngezixhaso ebekhwele kwimoto edale ingozi leyo, awunakubanga ngaphezu kwe-R25 000. Unokubanga kuphela imali oyichithileyo okanye oseza kuyichitha ngenxa yengozi leyo, umzekelo, amatyala esibhedlele nawakagqirha osele uwahlawule.
Ukuba wena okanye umntu okubonelela ngezixhaso ebengumkhweli ohlawulayo okanye ukuba ubukuloo moto ngenxa yomsebenzi, unokubanga kuphela I-R25 000, kodwa usenakho ukumangalela umqhubi lo ungakhange aqhube ngenkathalo. Kusenjalo, awukwazi kumangalela umqeshi wakho.
KUTHATHA IXESHA ELINGAKANANI UKUBA IBANGO LIPHUNYEZWE?
Ukufaka ibango kule Ngxowa-mali yinkqubo enzima yaye le Ngxowa-mali ijonga-jongana namabango amaninzi, ngoko ke kunokuthatha ixesha elide ukuba imali yakho ihlawulwe. Ingxowa-mali le ineentsuku ezingama-120 zokuphanda inyewe leyo emva kokufakwa kwebango elo, phambi kokuba inkqubo yokugqibela ingahambela phambili.
IMIYALELO:
ULIFAKA NJANI IBANGO KULE NGXOWAM-MALI?
Unofaka ibango kule Ngxowa-mali ngokwakho okanye unokufumana igqwetha likufakele ibango kodwa kuya kufuneka uzihlawulele ezo nkonzo. Kukho amagosa olwazi kuzo zonke ii-ofisi zale ngxowa-mali anokukunceda simahla.
Kufuneka ulenze eli bango kwiminyaka nje emithathu emva kosuku lwengozi, ukuba uyamazi umntu oyidalileyo loo ngozi. Ukuba awumazi umqhubi okanye umnini wemoto odale loo ngozi, kufuneka ufake ibango kwiminyaka nje emibini emva kosuku lwengozi le.
Ukuze ukwazi ukufaka ibango elo, kufuneka ube:
Nengxelo yonyango.
Ufumana ingxelo yophando ukuba kukho umntu owasutywa kukufa kuloo ngozi.
Nephepha lokubekwa ityala elisuka emapoliseni.
Nazo zonke iingxelo zamatyala, iziqinisekiso zokuhlawula kunye neemali zokuthenga ezingqina iindleko zonyango kwakunye nezesibhedlele.
Nencwadi yembalelwano esuka kugqirha echaza ukuba uza kuhlawula malini na kwiindleko zonyango kwixesha elizayo ngenxa yale ngozi.
Nomzobo wendawo yengozi yengozi leyo.
Negama lesikhululo samapolisa apho ingozi le yaxelwa khona, inombolo yetyala yamapolisa kunye nengxelo yamapolisa.
Nencwadi yembalelwano esuka kumqeshi wakho echaza imali ekulahlekeleyo ngenxa yemivuzo ongayihlawulwanga.
Nemvume ebhalwe phantsi oza kuyibhalela isibhedlele ukuba sivumele iNgxowa-mali le ukuba iphicothe iimpepha zakho zonyango.
Inttho efungelweyo esuka kumntu lo ufaka ibango nakuwo nawaphi na amangqina.
ULIFAKA PHI IBANGO?
IBONELELWA LISEBE:
ICANDELO LIKARHULUMENTE:
INgxowa-mali yeeNgozi Zendlela
YAYAMENE
Ingaba kukho nto ungayiqondiyo kwiintetho zaseburhulumenteni
Isigama Esinokusetyenziswa uMgaqo-nkqubo Wemfihlelo
Ilungelo Lobunini
