

Amakhasi Abadala
UMTHETHO

Eyonandlela engezondleko yokuthenga• umzi kukuwuhlawula ngokupheleleyo. Kodwa kule mihla bangaphi abantu abanemali yokwenza oko? Abantu abaninzi abanayo imali eninzi yaye kufuneka uboleke imali yokuthenga umzi. UTyhila Ufunde ujonga iindleko zokuthenga umzi neendawo onokuboleka kuzo imali.
Umzi owunqwenelayo












































U
 kuthenga umzi kuziindleko kule mihla. Iflethi enegumbi elinye lokulala, umzi onamagumbi amane, nemizi emincinane inokubiza imali esukela kwi-R40 000 ukuya kwi-R250 000 mhlawumbi nangaphezulu! Kwaye akuphelelanga apho! Kusafuneka uhlawule yokuba ubuyele egameni lakho umzi, imali yokuba uzohlolwa neyokunikezelwa kwawo.

Abantu abaninzi abanayo imali yokuthenga imizi khetshi. Kuye kufuneke baboleke imali. Kodwa oko kuwenza umzi ubize kakhulu kuba bahlawula imali yenzalo kwimali abayibolekayo. KuIe nyanga uTyhila Ufunde uyakunceda ekucebeni imali
yokuthenga umzi nokuboleka imali yezinye iindleko zokuthenga umzi.

Iindleko zokuthenga umzi
Amaxesha amaninzi abantu abafuna ukuboleka imali yokuthenga umzi kunzima ukwazi ukuba kufuneka babe namalini. Ngaba bafanele babe ne-R50 000 okanye i-R1 50 000? Ngaba baya kukwazi ukuhlawula izavenge ngenyanga nokuhlawula ezinye iindleko zomzi?

Xa uceba ukuthenga umzi, nanga amacebo anokukunceda uyicebele kakuhle imali yakho:
Zama ukuhlawula idophozithi enkulu kangangoko unako. Oko kuya kukwenza wonge imali eninzi yenzalo kwiminyaka elandelayo.

Ungachithi imali engaphezu kwe-25% yomvuzo wakho ngenyanga uhlawula umzi. Oko kuthetha ukuba xa usamkela i-R5 000 ngenyanga kufuneka ungahlawuli imali engaphezu kwe-R1 250 ngenyanga. Xa imali eninzi yomvuzo wakho uhlawula ngayo umzi, ezinye iingxaki zobomi awunako ukuzilungisa kanti ngeke ube nayo imali

yeengxaki ezithi gqi ungalindele.

Cela inkampani ethengisa loo mzi ukuba ikubalele imali oza kuyihlawula ngenyanga, uze uyibone ukuba uya kukwazi na ukuyihlawula. Ungaqhathwa zizinto abakuxelele zona.















Amakhasi Abadala
UMTHETHO
Ukhumbule nezinye iindleko zokuthenga umzi. Ezo ndleko ziquka:
lmali yotshintshelwa komzi kwigama lakho (Transfer duty): Le
yirhafu ehlawulwa uRhulumente xa kutshintshwa umzi ubhalwa ngegama lomnye umntu. Loo mali idla ngokuba yi-5% yexabiso lomzi. Xa umzi uxabisa i-R1 00 000, le rhafu iya kuba malunga ne-R5 000.

Imali yenkonzo kamasipala neerhafu: Ezi mali zihlawulwa kumasipala wendawo onomzi kuyo. Lo mali uyisebenzisa umasipala ukucoca izitrato, ukurhela ingca nokulungisa iindleka nezibane zaloo ndawo. Ezi mali zishiyana ngokwendawo. lnkampani ekuthengisela umzi iya kukuxelela ukuba uya kuhlawula malini.

lmali yokunikezelwa komzi: Le mali ihlawulwa igqwetha ukuze umzi utshintshelwe egameni lomntu owuthengileyo. le mali ixhomekeka ekubeni uyimalini umzi. l-estate agent iya kukunika iingcombolo ngale mali. Bacele bakujongele ukuba ukuba uya kuhlawula malini.

Iindleko zeinshorensi: libhanki zithi abathengi mabayihlawulele i-inshorensi imizi yabo ukulungiselela xa yonakele okanye idilikile. Ezo ndleko zidla
ngokufakwa kwimali oyihlawula ngenyanga.

lStamp duty: Le yimali ehlawulwa kwaReciever of Revenue xa kubhaliswa ibhondi yakho.
Umsebenzi 1
Aba bantu balandelayo basibha1ele besicela ukuba sibacebise ngemiba yemali. Ngaba unako ukubanceda?
1.	Siyifumene nomkam indlu esinqwenela ukuyithenga. lmali
esiyamkelayo xa idityanisiwe iyiR10 000 ngenyanga. l-estate agent isixelele ukuba siza kuhlawula i-R3 460 ngenyanga. Ngaba sinako
ukuhlawula loo mali?
2.	Ndifuna ukuthenga umzi oyi-R60 000. Ndiza kuhlawula i-R750
ngenyanga. Xa ndisamkela i-R3 000 ngenyanga, ngaba ndinako ukuwuthenga lo mzi? Ngaba ndiya kuhlawula malini kwimali yokutshintshwa kwegama kufakwe
elam?
3.	Ndisandul ukuthenga umzi. Ndicela undincede ndibale ukuba ndiya
kuhlawula malini ngenyanga:
kwinyanga yokuqala; nakwiinyanga ezimbalwa ezilandelayo xa:
imali yokutshintshwa komzi iyiR2 500
imali yokunikezelwa komzi iyi-
R1 500
imali endiza kuyihlawula ngenyanga kuquka neinshorensi iyi-R2 450
irhafu kamasipala iyi-R1 50 ngenyanga
istamp duty iyi-R200















Ukufumana imali mboleko
Iibhanki
Abantu abaninzi bafumana imali kwiibhanki. iibhanki zibolekisa imali ukuze kuthengwe imizi. Oko kuthetha ukuba xa umzi ungahlawulelwa, ibhanki iya kuwuthathela kuyo umzi.

Zininzi izinto eziluncedo ngokuboleka imali ebhanki kunokuyiboleka emntwini nje. Nazi izizathu zoko:

lmbali oyibolekwayo ayinaxesha limiselweyo lokuba uyihlawule (20, 25, 30 eminyaka).

Umntu unokuba ngowakhe umzi nokuba akakagqibi ukuwuhlawula umzi.

lmali yenzalo iyafana ezibhankini ngenxa yokukhuphisana kwazo.

Xa unengxaki ekuhlawuleni imali oyihlawula ngenyanga
unokutandisa ixesha lokuhlawula ukuze unciphise imali oyihlawula ngenyanga.

Ngelishwa imali yenzalo yeebhanki ixhomile. Le mali yenzala iyatshintsha amaxesha ngamaxesha ungakhange waziswe kwangaphambili yaye inokuchaphazela indlela oyicebela ngayo imali yakho.

Okuvela kubaqeshi
Ezinye iinkampani ziyabaxhasa abasebenzi bazo xa befuna ukuthenga imizi. Lo mali udla ngokuyifumana ngenyanga umsebenzi ukuze imncedise ekuhlawuleni umzi.

inkampani nganye inemithetho yabantu abakufanelayo ukufumana imali yokuthenga imizi. lnkampani ezininzi zijonga ukuba wamkela malini umsebenzi, ukuba unexesha elingakanani esebenza enkampanini nokuthi ulilungu Iepension fund kusini na.
Amakhasi Abadala
UMTHETHO
Phofu ke abayifumani bonke abasebenzi yokubanceda ekuthengeni imizi. Endaweni yoko abanye babolekwa imali ziinkampani abasebenza kuzo. Abanye bafumana imali yokubaxhasa baze banikwe imali ethile ngenyanga. Abanye bancedwa ziinkampani zabo ukuba babolekwe imali. Zama ukufumana ukuba umqeshi wakho akanakukunceda na ngokuthenga umzi!

Uncedo lukaRhulumente
Urhulumente omtsha uzama ukuyisombulula ingxaki yokunqongophala kwezindlu kweli lizwe. Buza ikhansila yengingqi yakho, ibhanki indawo onokuya kuyo xa ufuna ukuxhaswa ngurhulumente.
Kubhale uUna Seery. Kufote uLen Templehoff.

AbakwaMondi Paper banqwenelela iBona eminye iminyaka engama-40 yempulo








Amakhasi AbadalaJ
IMPILO
Unokufunda Iukhulu ngabantu abehlukeneyo neendawo ozityelelayo. uTyhila Ufunde uza kukubhalela ngamaphondo ahlukeneyo Kule nyanga sikulungiselela Ioo mnqaku ngokukubhalela

ngokhenketho eMzantsi-Afrika.

Ukutyelele iindawo














Kwiinyanga ezizayo,zaseMzantsi-Afrika.





W
 onk umntu uthetha ngoMzantsi-Afrika omtsha. Ngaba sithetha ntoni xa sisithi mtsha? Ngaba kuthethwa ngomlingo kaMandela nokutshintshwa kukarhulumente? Ebantwini abaninzi kuthetha loo nto. Kodwa bazi izinto ezimbalwa ngeenguqu ezenzekileyo -njengamaphondo anamagama nemida emitsha. Kule nyanga uTyhila Ufunde ukuxelela ngezinye zezo nguqu. Sikuxelela nangezinto ezingakhange


ABANTU

Bamalunga nezigidi ezingama-43 abantu abahlala eMzantsi-Afrika.
Phantse ayalingana amadoda namabhinqa yaye uninzi Iwabantu luneminyaka engaphantsi kwengama-25.

IILWIMI

Ubusazi ukuba isiZulu lolona lwimi luthethwa ngabantu abaninzi eMzantsiAfrika? Phofu ke, zikho ezinye iilwimi ezilishumi ezisemthethweni.
Kukho isiXhosa, isiBhulu, isiPedi, isiNgesi, isiTswana, isiSuthu, isiTsonga, isiSwati, isiVenda nesiNdebele.
zitshintshe eMzantsi-Afrika. Sijonga imbali yeedolophu ezindala, sikulungiselela nokuba utyelele amaphondo ahlukeneyo. Hlala nathi - siza kukuxelela ngeendawo.

UMzantsi-Afrika Omtsha
Zininzi izinto eziguqukileyo eMzantsi-Afrika. Jongisisa imephu engezantsi. Jonga amagama atshintshileyo nobukhulu bamaphondo. Jonga ukuba iphondo ngalinye lidume ngantoni.












IPitoli
IDurban
IKapa neStellenbosch
Ijohannesburg








Ukuqala  kwezixeko
lmephu nganye inembali yayo. Eyona nto ingayibonisiyo kukuba izixeko neendawo zenzeka njani, zawafumana njani amagama azo. Ngaphambi kokuba wenze isigqibo ngokutyelela isixeko, kubhetele ukuqale ufumane imbali yaso. Makhe siqwalasele izixeko ezibalulekileyo eMzantsi-Afrika. Zama ukuzifumana kwimephu.
ISoweto
Bangaphi abaziyo ukuba iSoweto umele uSouth Western Townships? iSoweto ineelokishi engama-26 ezikufutshane naseJohannesburg. Bamalunga nezigidi ezi-2 abantu abahlala eSoweto.
lsixeko saseThekwini saqalwa ngo-1824. Saqala ngokuba yindawo yokuthengisa yaza ngokuhamba kwexesha yalizibuko leenqanawa elibalulekileyo. Abantu abaninzi bacinga ukuba isixeko saseThekwini silikomkhulu lakwaZulu-Natal, kanti yiPietermaritburg ikomkhulu.
iJohannesburg sisixeko esaziwayo kweli nakwamanye amazwe. Kubo xa usithi uya eMzantsi-Afrika bazixelela ukuba uya eJohannesburg.

lJohannesburg yakhiwa emva kokuba kufunyenwe igolide eWitwatersrand. Kweza amawaka-waka abantu beyofuna ubutyebi kule dolophu. Namhlanje
IAmakhasi Abadala
IMPILO
bangaphezu kwezigidi ezisi-7 abantu abahlala ejohannesburg yaye sesona sixeko ifunywanwa kuso imali.
lminyaka emininzi iiofisi zikarhulumente bezisePitoli. Ngoku kuphikiswano ngokuba zifanele zifudukiselwe eKapa na. Abantu abaninzi bathi iPitoli iya kufa xa kusenziwa oko. Ucinga ukuba oku kuya kuyiguqula njani imbali yesi sixeko?
lsixeko saseKapa sibizwa ngokuba yi-Mother City. Esi sixeko sakhelwa ukuba iinqanawa zifumane ukutya okutsha kuso xa zisiya eFar East. Isixeko saseStellenbosch sakhiwa ngo-1679 njengesixeko solimo. lzityalo ezazilinywa apho zazinkcenkceshelwa ngamanzi avela e-Eerste River.

Umsebenzi 1
Ngoku phendula le mibuzo ilandelayo.
f.	Xela iphondo elinabona bantu baninzi kweli.
2.	Xela iphondo elinabantu abambalwa.
3.	Ngaba idume ngantoni iNtshona-Koloni?
4.	Ngubani oyiNkulumbuso yephondo laseNorth West?
5.	Ngaba ikuliphi iphondo iBophuthatswana?



1 8 BONA XHOSA - December 199f

	Esi sihlomelo sibhaiwe kwiphepha esiliphiwe tigabekwaMonth Paper

		BONA XHOSA - December 1996 19

20 BONA XHOSA - December 1996

	Esi sihlomelo sibhalwe kwiMontli Rotogloss 55 gm2

		BONA XHOSA - December 1996 21

	AbakwaMondi Paper bavuyisana neBona ngokonwabisa abafundi iminyaka engama-40

