Qinisekisa ukuba unomyolelo osemthethweni!

vukuzenzele unnamed

Ukuba awunawo  umyolelo ose mthethweni,  awuyi kuba nakho uku lawula ukuba ngubani oya kuzuza ilifa lezinto zakho xa uthe wasweleka.
Oku kunokhokela ekube ni abantu bafumane ilifa leemali okanye izinto za kho, nokuba awufuni.
Xa umntu uthe wasweleka engawenzanga umyolelo osemthethweni, ilifa ebenalo liya kwabiwa ngokoMthetho i-Intestate Succession Act , kwaye labelwe abantu eku lindeleke ukuba bazifumena ngokusemthethweni.
Lo Mthetho umisela imi gaqo yendlela ekulindeleke ukuba lwabiwe ngalo ilifa. Xa kwabiwa kuye kwabelwe iza lamane ezikufutshane nawe kuqala, kulandelwa indlela ethile: • Ukuba liqabane lakho  lomtshato lodwa eliphi layo, lilo eliya kufumana ilifa lakho lonke.  • Ukuba awunalo iqabane lomtshato kwaye kuphila abantwana bakho bodwa, baya kwabelwa ilifa lakho ngokulinganayo.
• Ukuba kuphila iqabane lakho lomtshato kunye nabantwana, iqabane la kho lomtshato liya kufu mana isabelo sabantwana okanye i-R250 000, nayi phi na ethe xhaxhe, baze abantwana bona babela ne ngemali eshiyekileyo.
Umzekelo, ukuba ilifa lixabisa izigidi ezimbini zeranti, ze umfi ashiye ngasemva iqabane lakhe lomtshato kunye naba ntwana abathathu, imali yesabelo somntwana nga mnye iyakuba yi-R500 000.  Isabelo somntwana siba lwa ngokuthi kwahlule  ixabiso lelifa ngesine.
• Ukuba awunaqabane lo mtshato kwaye awuna bantwana, kodwa abazali bakho bobabini basaphila, ilifa liyakwabelwa bona ngokulinganayo. Ukuba omnye umzali akasaphi li, kodwa ushiye ngemva abantwana, umzali osa philayo uya kufumana isiqingatha selifa, ze esinye isiqingatha sifunyanwe yinzala yomzali ongase khoyo.
• Ukuba bobabini abazali bomfi abasaphili, kodwa bashiye inzala yabo, ilifa liya kwahlulelwa bona ngokulinganayo.
• Ukuba umfi akanaqabane lomtshato, akananzala, akanabazali kwaye akukho  nenzala yabazali, isala mane segazi esikufutshane siya kufumana ilifa lonke.
• Okokugqibela, ukuba aku phili nasinye isalamane somfi, uRhulumente uya kufumana yonke inzuzo yelo lifa.Ukongeza koku kungasentla,  umntwana ozelwe ngapha ndle komtshato unokufu mana ilifa kubo bobabini abazali bakhe begazi; kwaye umntwana owamkelwe nje ngowakho ngokusemthe thweni uthathwa njenge nzala yomzali okanye yaba zali bakhe.
Usebenza nini umyolelo osemthethweni?Umyolelo osemthethweni usebenza kuphela xa wenzi we ngumntu oneminyaka eli-16 okanye ngaphezulu, kwaye kufuneka uhlangabe zane nezi mfuno zilandelayo:
• Kufuneka ubhalwe pha ntsi, kwaye utyikitye onke amaphepha nasekugqibe leni.
• Kufuneka utyikitywe pha mbi kwamangqina afane lekileyo amabini nanga phezulu. Nabani na one minyaka eli-14 nanga phezulu angalilo ingqina.
Kodwa indlalifa lona ali nakuba lingqina.
• Kuya kufuneka ubanda -kanye iinkcukacha eziphe leleyo zelifa lakho kunye neenkcukacha zabo ufu na ukulishiyela bona, kubandakanya amagama abo kunye nezinye iinkcu kacha.
• Kufuneka utyumbe umntu  oza kulawula ilifa lakho (umabi welifa). Lo mntu akanakuba yindlalifa.
• Kufuneka uchaze ukuba kufanele kwenziwe ntoni kwilifa lomxhamli omnci nci.
• Ukuba nguwe wedwa u mgcini womntwana o mncinci, chaza ukuba ngu bani omakonyulwe nje ngomgcini womntwana.
• Kufuneka uqinisekise uku ba umyolelo osemthethwe ni woqobo osayiniweyo ugcinwa ukhuselekile, ku ba ikopi yawo ayisebenzi.
Iinkcukacha zinikezelwa yi-Ofisi yeOmbud for Fi nancial Services Providers njengelungu leKomiti ye Sizwe yeMfundo yezeMali yaBathengi.
