   IKHASI 8 

Kwenzekani Nakube Ivaliwe I-akhawundi Yebhanga La Imali Bekufuze Ifakwe Khona?
* Nikela ikhotho imininingwana emitjha yokubhanga.
* IsiPhathimandla sezOndlo sizakwazisa ummangalelwa ngemininingwanakho yokubhanga  emitjha kunye nangemali ayikweledako. 
* Imininingwana emitjha yokubhanga izakutlolwa efayeleni yesondlo. 

Kwenzekani-ke Nakufumaniseka Bona Umuntu Othatha Imali Uyagula, Akasakghoni Ngenca Yokuqhwala, Uyabhubha Namkha Akakho Enarheni Le?

* Nakube umuntu othatha imali uyabhubha, umAbi weliFa lomfakisibawo namkha umOndli womntwana unikelwa imvumo yokuthatha imali leyo. 
* Nakube umuntu othatha imali uyagula, uyaqhwala namkha nakube mhlamunye ukelinye ilizwe ngesikhatheso, kufuneka bona kukhethwe umuntu wesithathu. Lokhu-ke kungenziwa  ngokuthi kuvezwe incwadi yaMandla weGcwetha evumela umuntu wesithathu ukuthi kungaba nguye ongayokuthatha imali yesondlo. 

Nakungasinjalo, kungathintwana nomNyango wezeHlalakuhle ( i-Social Worker ) kubawiwe isizo khona. 

Ngitjhingaphi Nangifuna Isizo Lamalungelo Wokwelusa Umntwana Nawokukghona Ukubona Umntwana?

Nawufuna isizo malungana namalungelo wokwelusa nokukghona ukubona umntwana, bonana ne-ofisi yeGcwetha lomKhaya. 

Eminye imininingwana malungana nalokhu thintana ne:
Department of Justice and Constitutional Development
Chief Directorate: Promotion of the Rights of Vulnerable Groups
Ifowuni: ( 012) 315-1378/9
Ifeksi: ( 012 ) 357-8188

Ezinye Iinomboro: 

Eziphathelene nommongo wendaba : Court Services, Department of Justice and Constitutional Development.
Eziphathelene nokuTlama neenJamiso : Unigraph ( Pty) Ltd, 011 885 1957. 

IKHASI 1 

Ngiyifuna Njani Imali YesOndlo?

Ekufuze Ukwazi! 

IKHASI 2

Ivulwe Ngaziphi Iinkhathi IKhotho?

Ama-awa womsebenzi: 
NgomVulo ukuyokufika kuLesihlanu:
07:45 ? 16:15 

Ngitjhingaphi Nangifika EKhotho?

Thoma ntanzi ngokuyokubawa isizo eTafuleni yezokwAzisa, abalapho ngibo-ke abazakulayela bona utjhingephi. 

IKHASI 7 

Ngizakwazi Njani-ke Bona Imali Ingenile Na ?
* Soke isikhathi thoma ngokufowuna ntanzi ngaphambi kobana uze eKhotho, ukwenza iqiniso lokobana imali ingenile ngaphambi kobana ungeza. 
* Nakube imali ayikangeni, iKhotho izakuthoma ngokulinga ntanzi ukufunisisa bona imali leyo ibhadelwe na, bese kuthi nakube ayikabhadalwa, ikutjele-ke bona wenzeni ukusukela lapho. 

Ngizakulinda Isikhathi Eside Kangangani Ukuthi Imali Ingene? 

* Ukuthi imalakho ingena nini kuzakuya ngedeyithi ebekwe mLayo weKhotho.
* Umuntu ekufuze abhadale imali leyo kufuze bona imali leyo ayibhadale ekhotho, bese ikhotho yona-ke iyidlulisela kuwe. 

Iinzathu Zokuriyada Kokungena Kwemali 
 
* Kungaba kukuthi amakhomphiyutha awasebenzi.
* Kungaba kukuthi imali leyo ayitholakali, ngenca yokuthi kusetjenziswe inomboro yokulayela engakalungi yokunqophisa imali leyo la kufuze inqophe khona.

Khumbula-ke bona imali efakwe ebhanga ngeTJHEGE ITHOLAKALA KWAPHELA ngemva KWAMALANGA ALIKHOMBA. 

Ngithatha Magadango Maphi-ke Nakube Angiyitholi Imali E-akhawundinami?

* Bawa isitatimende esipheleleko ( hayi esirhunyeziweko ) se-akhawundakho yebhanga ebhangakho namkha ku-ATM. 
* Letha isitatimendeso neBhugwanakho/noMazisakho eKhotho. 
* IKhotho-ke izakukhupha idarhfari yokummangalela umuntu ekufuze abhadale imali leyo. 

Nakube Ngimi Obhadala Imali Yesondlo, Yini Ekufuze Ngikwenze ?

Ungasebenzisa nanzi iindlela ezilandelako ukubhadala: 
* IGanish Order ? ikhamphani osebenza kiyo idosa imali yesondlo emrholwenakho. 
* Ukubhadala khetjhi ? uya eKhotho ufike ubhadale imali yesondlo ekhawunthareni.
* Ukubhadala ebhanga ? ufaka imali yesondlo e-akhawundini yebhanga yomuntu omfakela imali. 

Indlela ozakubhadala ngayo kufuze bona itlolwe phasi emLayweni weKhotho. 

Khumbula: 
* Inomboro elayelako ( i-reference number ) enikelwe yikhotho kufuze bona uyinikele ngaso soke isikhathi nakube ubhadala imali yesondlo ngokuyifaka ebhanga yeKhotho. 

Soke isikhathi fowuna ntanzi.


IKHASI 6 

Kubayini Kufuze Kubekwe Ilanga Ekuyiwa Ngalo Ekhotho?

Ukunikela iKhotho isikhathi sokobana iyelelise lo ommanngalelwako kobanyana azokuba khona ekhotho mzukwanokho. 

Kubayini Kufuneka Bona Bobabili Ummangali Nommangalelwa Babe Khona Ekhotho? 

Lokhu kwenzelelwa bona kuzokwenziwa isivumelwana sokuthi yimalini iMali yeSondlo efunekako, kutholakale nokuthi lo ekufuze akhuphe isondlo angakghona malini yena. 

Yini Ekufuze Ngikusebenzise Njengenomboro Elayelako ( i-reference number )?

* Uzakuthola ifayela ethoma ngo-14/3/2, bese kulandela inomborwakho elayelako oyinikelwa ngabe-ofisini;
* Inomboro le-ke itlolwe eKaradeni lakho lesOndlo eli-orentji. 
* Sibawa bona utjho inomboro le qho nakukhona obuza ngakho  malungana nendabakho. 

Ngizakulindela Isikhathi Eside Kangangani Kobana IKhotho Ibethe UmLayo? 

* Lokhu kuya ngesebenziswano phakathi kwalaba ababili, ummangali nommangalelwa. Nakube kuyenzeka ukuthi bobabili bavumelane, imbadalo yokuthoma kufuze bona ibhadalwe njengoba kusitjho umLayo weKhotho. 


Ngiziphi Iindlela Engingazisebenzisa Ukuyokuthatha Imali Yesondlo?

* IGanish Order ? ikhamphani idosa imali yesondlo emrholweni wommangalelwa bese iyifaka e-akhawundini yebhanga yeKhotho. 
* Ukubhadala khetjhi ? uya eKhotho bafike bakunikele imali yesondlo ekhawunthareni.
* Ukubhadala ebhanga ? ummangalelwa ufaka imali yesondlo e-akhawundini yakho yebhanga. 


Indlela Engcono Kinazo Zoke Zokuthola Imali Yesondlo Kukuthi Ingene 
E-akhawundinakho Yebhanga. 

Ubuhle balendlela yokuthola imali ngilobu:

* Awunamthwalo wokukhamba uye eKhotho. 
* Akunandleko zokukhamba.
* Akunasikhathi esikulahlekela ngokufola idresi. 
* Awunasidingo sokubawa isikhathi sokutjhatjhululwa emsebenzini kobanyana uyokufuna imali ekhotho. 


IKHASI 3

Ngiyifuna njani iMali yesOndlo?

Yini Amalungelwami?

* Kumsebenzi wabo bobabili abazali ukondla umntwanabo.
* Lokhu-ke kubala nokuthengelwa komntwana ukudla, ukumembathisa, ukumtholela indawo yokuhlala, ukumelaphisa nakagulako kunye nokumfundisa. 
* Ukuthi iba yimalini imali yesondlo kuzakuya ngokuthi umzali ngamunye urhola malini. 
* Bobabili abazali kumsebenzabo ngokulinganako ukukhulisa umntwanabo, nanyana umntwana ubelethwe bangakathathani nanyana abalethwe sebathethene. 
* Umuntu owondliswako unelungelo lokwenza isibawo sokuphikisa umlayo wesondlo. 
* Kungafakwa isililo eKhotho yesOndlo nakufumaniseka bona umuntu owondliswako akasibhadali isondlo. 
* UmLayo wesOndlo ungakhutjhelwa:
- Iindleko zokubelethwa komntwana.
- Iindleko zokondliwa komntwana ukusukela ekubelethweni kwakhe ukufikela mhlazana kuyokummangalwa eKhotho. 
- Nakube kupheliswa umtjhado, loyo obekamlingani unelungelo lokondliwa nakube ukondliwa kwakhe kubalwe njengeminye yemibandela ebekwe yikhotho nakuqedwa umtjhado. 



Ngingaya Nini Ekhotho YesOndlo?


* Nakube umlinganami akondli umntwana namkha umkhaya woke.
* Nakube ngiyokufaka isibawo sesOndlo kokuthoma. 
* Nakube iKhotho yesAhlukaniso ibethe umlayo wokuvulwa kwefayela ikhotho ezakwazisa ngayo umondliswa ukuthi kufuze ayikhuphe nini imali yesondlo, njani nokuthi kuphi. 
* Nakube uyokwenza isibawo sokukhutjhulwa namkha sokuncitjhiswa komlayo wekhotho okhona njenganje. 

Ngiyiphi IKhotho Ekufuze Ngiyokwenza Kiyo Isibawo Sesondlo?

Fowunela iKhotho yangekhenu yona ezakusiza ngemininingwana efaneleko malungana nalokhu. ( IKhotho esesiyingini la kuhlala khona umntwana ekufuze ondliwe namkha la kuhlala khona umondliswa ). 

IKHASI 4

Ngifuna Ukondlisa Umuntu ? Ngenza Njani Ukufaka Isibawo Salokhu?

* Fowunela iKhotho yangekhenu ubuze bona ngiyiphi iKhotho efaneleko la ungafaka khona isibawo sesondlo. 
* Fowunela iKhotho yesOndlo leyo uthole bona yini ekufuze uze nakho nawuyokwenza isibawo seMali yesOndlo. 
* Iya eKhotho leyo uyokuzalisa amaforomu wesibawo sesOndlo. 
* IKhotho izakunikela ilanga ekuzakufanela bona wena nommangalelwa ( umzali omunye obeletha naye umntwana ) niye ngalo eKhotho.
* IKhotho izakukhupha idarhfari iyithumelele ummangalelwa imazise ngayo bona ngelanga elithileko kufuze aye eKhotho.  

TJHEJA : 
Ihlelo seliloke, ukusukela mhlazana ufaka isibawo sesondlo ukuyokufika mhlazana uthola imali yokuthoma yesondlo lingathatha iimveke eziimbadlwana, kuye ngokuthi abazali bobabili basebenzisana kuhle kangangani malungana nalokhu. 

Kuyafuneka Na Bona Ngiye Ekhotho Mathupha? 

Thoma ngokufowuna ntanzi ngaphambi kobana uye ekhotho, ukwenza iqiniso lokobana: 
* Uya eKhotho efaneleko. 
* Uyiphethe yoke imininingwana efaneleko mzukwanokho.
* Uyazi bona ummangalelwa ( umzali omunye obeletha naye umntwana ) kufuzile na bona naye abe khona mzukwanokho. 





IKHASI 5 

Kufuze Ngiye Ekhotho YesOndlo ? Yini Ekufuze Bona Ngikhambe Nakho?

Yenza iqiniso lokobana uza uphethe lokhu okulandelako:

* IBhugwanakho/UMazisi.
* IBhugwana/UMazisi nesithombe somzali/somuntu ofuna abhadale imali yesondlo.
* Isitatimende sebhanga nakube unayo i-akhawundi yebhanga.
* Irhelo leendleko elihlathulula iindingo zomntwana.
* Amaphepha afakazela iindleko ozibale ngehla, njengencwadi yesitatimende seendleko zamanzi, zegezi, igrowuzari, iintlankana zeentwanyana ozithenga esitolo, iintatimende zezambatho ozibhadalelako, njll. 
* Isitlankana somrholo sanje sabo bobabili abazali abasebenzako. 
* I-adresi yendawo la kuhlala khona omunye womndeni namkha isihlobo kunye ne-adresi yalapho asebenza khona. 
* Ilanga lokuya ekhotho ( nakube selibekiwe ).
* Inomboro elayelako ( i-reference number ) [ nakube seyikhutjhiwe ].
* UmLayo weKhotho ( nakube sewukhutjhiwe ).
* IsiVumelwano sesAhlukaniso ( nakube nitlhalene ngokuqeda umtjhado ). 
* Ilanga ekufuze kubhadalwe ngalo. 

Ngziphi Iindleko Ezingabalwa Njengeendleko Zomntwana? 

* Zamahlalo.
* Zamanzi negezi.
* Zokudla nenye igrowuzari.
* Zezambatho.
* Zemali yesikolo.
* Zokwelatjhwa.
* Zokukhamba. 

Kuzakufuneka bona uze uphethe amaphepha azifakazelako zoke leziindleko, ngoba ngaphandle kwalokho IKHOTHO ANGEZE YAKGHONA UKUVULA ICALA. 
Amaphepha afakazela iindleko angaba sitlankana somrholo, isitatimende seendleko zegezi, isitatimende semali yesikolo kunye neentlankana zeendleko zokwelatjhwa. 



