Inzalo Ayikho Kwimali Ebolekiwe Kuphela: Qonda Kabanzi Ngezalo

Pheliswa Msele

Sike sizwe kukhulunywa ngenzalo emabhange noma kumashonisa, kepha iyini inzalo kahle kahle futhi kungabe iba khona mawuboleka imali kuphela na?

Le athikhili izochaza kabanzi ngezinhlobo zenzalo futhi nezizathu zayo.

Inzalo uhlobo lwemali olwengezwa kwimali oyibolekile noma kwimali oyitshalile.

Inzalo Kwimali Ebolekiwe

Uma uboleka imali ebhange noma kumashonisa, kukhona iphesenti lenzalo olikhokhayo, okusho ukuthi uma sewukhokha, ukhokha imali enkulu kuna le oyibolekile. Isizathu salokhu ukuthi uma uboleka imali, umuntu okubolekayo usuke ezinikela ebungozini bokuthi kungenzeka ungayibuyisi imali yakhe, noma ungayibuyisi ngesikhathi enihlele ngaso. Ngakho usuke ezinxephezela. Esinye isizathu ukuthi umuntu okubolekayo uyeka ezakhe izidingo abengazisebenzisa ngalemali, ayinike  wena, ngakho kumele kube khona inzuzo ayitholayo. Isizathu esinye ukuthi ngokuhamba kwesikhathi, imali incishelwa amandla ayo (izinto imali engazithenga ziyancipha kunezinto imali efanayo ebeyingazithenga ngonyaka odlule) ngakho kumele umuntu okubolekayo anxephezele lokhu.

Iphesenti lenzalo libalwa kwinani lwemali oyibolekile, ubude besikhathi ozokhokha ngaso, ukuqinisekiswa noma ukungaqinisekiswa kwemali oyibolekile. Imali ebolekiwe   eqinisekisiwe yileyo eboshelwe kwimpahla. Impahla le kungaba umuzi, yimoto, noma ibhizinisi. Lokhu kusho ukuthi uma uhluleka ukuyikhokha imali oyibolekile, ibhange lingathatha imoto yakho ukukhokha le mali.

Isibonelo senzalo ukuthi uboleke uR1000 onenzalo ewu 5% ngonyaka. Uma sewukhokha yonke imali, ukhokha u R1050 (R1000 × 105/100).

Kubalulekile ukuthi wazi inzalo yokuboleka imali ngoba ngesinye isikhathi ukuboleka imali kubiza kakhulu. Lokhu kusho ukuthi inzalo iba nkulu ugcine ukhokha imali enkulu kakhulu.

Inzalo Kwimali Etshaliwe

Uma utshala imali ebhange, (Funda kabanzi ngokutshala imali kwi athikhili yokuqala)  imali yakho iyazala. Lokhu kusho ukuthi uma sewuyikhipha imali, uyithola seyikhulile kuna le owayifaka. Ukuze ikhule imali, kumele uyibeke kwi-account ekhulisayo. I-account le inemigomo okumele uyilandele, okungaba yinani lemali ongaqala kulo ubeke, noma isikhathi la ungavumelekile ukuyisebenzisa imali. 

Isizathu sokuthi imali oyitshalayo ibe nenzalo ukuthi njengoba usuke ungayisebenzisi, ibhenge liyakwazi ukuyithatha liyiboleke abanye abantu, ngakho inzalo le isuke iyimali oyitholayo ngenxa yalokhu.

Izinhlobo zenzalo kwimali etshaliwe zihlukene kabili: kukhona inzalo ehlanganisiwe kanye nenzalo elula.           

Inzalo ehlanganisiwe ibalwa kwimali owayifaka seyihlanganiswa nenzalo oyitholile kwizinyanga ezidlule. Isibonelo ukuthi ufaka u R2000 okhula ngenzalo ewu 2%. Lokhu kusho ukuthi ngenyanga yokuqala imali yakho ikhula ibe wu R2 040 (R2000 × 102/100). Ngenyanga elandelayo u 2% ubalwa ku R2040, awubalwa ku R2000, okusho ukuthi imali ikhula ibe wu R2080, 80 (R2040 × 102/100).

Inzalo elula ibalwa kwimali owayifaka ekuqaleni kuphela. Isibonelo wukuthi mawufaka uR2000 okhula ngenzalo ewu 2%, ngenyanga yokuqala ikhula ibe wu R2040 (R2000 × 2/100 = R40. R2000 + R40 = R2040). Ngenyanga yesibili ikhula ibe wu R2080 (R2000 × 2/100 = R40. R2040 + R40 = R2080).

Ukuqonda inzalo kubalulekile ngoba lokho kunomthelela kwizinqumo esizithathayo nasezimpilweni zethu. 

● Ukuqonda inzalo kwenza ukuthi ubuze imibuzo engcono ugcine ukhokha inzalo engcono kuna le obewuzoyikhokha.

● Ukuqonda inzalo kwenza wazi ukuthi uma ukhokhela imoto noma umuzi, ugcina ukhokha malini ngokweqiniso uma sekuhlangene nenzalo (ngesinye isikhathi imali igcina iphindeka kabili).

● Ukuqonda inzalo kwenza ubone ukuthi ngesinye isikhathi, ukukhokha imali encane iminyaka eminingi kuyabiza kunokukhokha imali enkulu iminyaka emincane.

● Ukuqonda inzalo kwenza ubone ukubaluleka kokutshala imali, ikakhulukazi mayikhokha inzalo ehlanganisiwe (imali mayikhula, nenzalo oyitholayo iyakhula).