Inani lemali yokubeletha

Abazali bayaqonda ukuthi ukukhuliswa kwezingane kudinga izindleko zezezimali, ngoba abaningi balungiselela kusengaphambili ukubuyisela emndenini. Futhi lokhu kulele ekucwaningweni kolwazi mayelana nezinketho ezingakusiza zokusiza, okuthi, uma kwenzeka, ungaba khona. Imali yokubeletha yinkqubo yokusekela isimo evumela ukuthi imindeni ixazulule izinkinga ezithile. Kuyinto evamile ukuthi amama namadodakazi angaba khona bazama ukuthola kusengaphambili imininingwane yokuqokwa kwalesi sizo. Futhi banesithakazelo semali yenani lokubeletha elinikezwa abazali abasha. Ngemuva kwalokho, kuzokusiza ukuba uhlele ikusasa lakho.

Isabelo semali yokubeletha

Lolu hlelo lwaqala ngo-2007. Kufanele luhlanganyele ekuthuthukiseni isimo sabantu, kanye nokusiza imindeni ukuthuthukisa inhlalakahle yabo. Ukuxhaswa kunikezwa kubazali uma umntwana osanda kuzalwa emndenini wabo akuyona ingane yokuqala. Okusho ukuthi, umndeni onomntwana ongaphezu kweyodwa ungathola usizo. Kubalulekile ukukhumbula ukuthi ukubhaliswa kwesitifiketi kungenzeka kuphela. Uma abazali befuna, bangacela usizo lapho bezalwa umntwana wesithathu, hhayi owesibili.

Awukwazi ukusebenzisa imali ngokuqonda kwakho, ngoba umthetho wanikeza izinketho eziningana zokusebenzisa isitifiketi:

• umndeni ungathuthukisa izimo zabo zokuphila, futhi uhlinzekela amathuba okuvuselela indlu yangasese, ukukhokhela imali yokubolekwa kwempahla;
• ungasebenzisa imali kumshuwalense wokubeletha;
• kusukela ngo-2016 kunemibono emisha evumela ukusetshenziswa kwesitifiketi sokulungisa ingane ekhubazekile, kanye nemishini yezindlu, ngokucabangela izidingo zalabo bantwana;
• ungakwazi ukukhokhela imfundo yengane, hhayi nje kuphela isitifiketi esitholiwe.

Kuyathakazelisa ukwazi ukuthi inani luni lemali yokubeletha lingamanje. Ngomthetho, inani losizo, kanye nezilinganiso ezitifiketi ezingasetshenzisiwe kufanele zikhokhelwe. Kodwa ngenxa yenkinga yesabelomali kulo nyaka, akukho ukufakwa kwezingqikithi okwenziwayo. Lokhu kusho ukuthi inani eliqondile lemali yokubeletha ngo-2016 yizinkulungwane ezingu-453 026 zamaRuble, okungukuthi, ngo-2015.

Esikhathini esizayo, ukufakwa kwezindleko kucatshangwa. Uma kusetshenziswe, inani lemali yokubeletha ngo-2017 lizoba ngamabhiliki angu-480.

Ikusasa lohlelo

Ukwesekwa okunjalo kwakuhlelwe ukuthi kuqhutshwe kuze kufike ngo-2016. Kodwa okwamanje, imali yokubeletha yandezelwa kuze kufike ngo-2018, futhi inani lalo lizoba ngamaruble ayizinkulungwane ezingu-505. Kodwa kukhona ukwesaba ukuthi ngo-2017-2018 ngeke kube khona ukulinganisa, njengoba ngo-2016.

Futhi, abaningi bakhathazekile ngokuthi kuzokwenzekani ohlelweni ngemuva kuka-2018. Kunezimo eziningana zokuthuthukiswa kwemicimbi. Abanye basikisela ukuthi lolu hlobo losizo luzokhanselwa, kodwa kungenzeka ukuthi ukusekelwa kuzoqhubeka nokuhlinzekwa, kodwa kuphela kwifomu elungisiwe. Isibonelo, ukusetshenziswa kwezitifiketi kuzoguqula noma umbuthano wabamukeli uzotholwa. Ngakho okukhethwa kukho kuthathwa njengokwamukela ingxenye yemali kanye, ukuthenga isiqephu somhlaba, izimoto ezifuywayo, ukulungiswa, ukuhlinzeka ngokunikezelwa kokuxhumana nezindlu.

Ngezinye izikhathi kunezinkokhelo ezihlukahlukene ezikhombisa izinguquko ezahlukene ohlelweni. Isibonelo, esinye seziphakamiso kwakuwukukhulisa inani labomama ku-ruble million eziyi-1.5 ngo-2017, kodwa ukubhalisa hhayi ngezingane eziyisibili nezalandela, kodwa kusukela ekuqaleni kwesithathu. Kodwa lo mthethosivivinywa wenqatshiwe.

Ngakho kubalulekile ukwazi izimo zokucubungula usizo, kanye nokuthi kungakanani imali enkulu yomzali, lapho ingasetshenziswa khona.