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INKUNDLA YAMABANGO AMANCINANE

Enoba unebango okanye ufuna ukumelwa komnye umntu, le ncwadana yenzelwe ukukunika isikhokelo esilula ngendlela yokusebenzisa iNkundla yamaBango amaNcinane ngendlela ephumelelayo.

Yintoni iNkundla yaMabango amaNcinane?

Yinkundla esekwe nelawulwa nguMthetho 61 weNkundla  yaMabango amaNcinane ka-1984.

Kutheni kukho iNkundla yaMabango amaNcinane?  

Ukuze kuconjululwe iimbambano zomthetho ezincinane  ngaphandle kweendleko zamagqwetha.

Ngubani onokwenza ibango?

Abantu abaneminyaka eli-18 nangaphezulu ubudala, nabanye  abancedwa ngabazali nababagcinayo.  Ngubani ongenakulenza ibango?  Iitrasti, iinkampani, imibutho, urhulumente. Noko ke, ezi  zinokulwa namabango.

Ingqongqo kangakanani iNkundla yaMabango  amaNcinane?

Amagqwetha akanakubamela ababandakanyekileyo, kodwa  ngeendleko zakho, unokuzicelela icebiso kwigqwetha lakho  ngaphambi kokuvela.  Umabhalana (wenkundla) angakunceda simahla. Kungasetyenziswa naluphi na ulwimi. Xa kufuneka iitoliki,  lungiselela oku nomabhalana kwangaphambili.

Ungalenza kubani ibango?

Ungalenza nakubani na, nakweyiphi na inkampani, umbutho,  elinye iziko elinokuya enkundleni, ngaphandle kukamasipala  noRhulumente.

Ungenza ibango lamalini?

Ukuya kutsho kwi- R15 000.  Ukuba ibango lakho liyagqitha kwi-R15 000, ungasiyeka  isixa-mali esidlula kwi-R15 000 ukuba sisale enkundleni.  (umz. ukuba ibango lakho lele-R17 000, ungayeka i-R2 000). Ukuba uyayiyeka inxalenye yebango lakho, akunakuyibanga loo  nxalenye kamva.  Ungenza ibango elifikelela kwi-R15 000 usenzela  

• ukuhlawula imali-mboleko;  

• ukudluliselwa kwepropati;  

• irente;  

• ukuvuma ityala, imali-mboleko, inowuthi yesithembiso,  

• idebhithi yetsheki;  

• ityala lesivumelwano sekhredithi ngokuvumelana  noMthetho weLizwe weKhredithi; kunye  

• nezenzo zomonakalo ongadluliyo kwi-R15 000 xa uhloliwe.  

Yintoni engafakwayo?

Amabango  

• adlula kwi-R15 000,  

• nxamnye noRhulumente,  

• ngokusekelwe ekuyekweni okanye ukudluliselwa kwamalungelo,  

• okunyhashwa, ukutshutshiswa ngokungafanelekanga,  ukuvalelwa bekungafanelanga, ukuhendwa, ukwaphulwa  kwesithembiso ukuya kutsho kumonakalo womtshato,  

• ukupheliswa komtshato,  

• okuchaphazela isimo sengqondo,  

• ukwenzela umsebenzi othile ngaphandle kwebango elahlukileyo  lomonakalo (ngaphandle kokuphendula, ukudlulisela  ipropati okungadluliyo kwi-R15 000),  

• angengomatyala aqhelekileyo (umz. ukugxothwa ngendlela  engafanelekanga, ukuba namatyala emali, okanye  ulwaphulo-mthetho), kunye  

• aye ancomela (iminyaka emi-3 ukususela kumhla elabakho  ngawo de ledlula).

 Ulenza njani ibango?

Amanyathelo ngaphambi kokwenza ibango:  Qhakamshelana nomntu obangisana naye (mntu lowo wenza  ibango kunye naye) ubuso ngobuso uze uzame ukucombulula  ibango lakho. Ukuba akukwazi –  

• Bhalela incwadi ebangayo kulowo ubangisana naye  (uchaze umkhamo nezibakala zebango) uze uvumele  ubuncinane iintsuku ezili-14 ukususela ekuhanjisweni  kwebango ukuya ekwanelisweni kwebango.

• Hambisa incwadi yebango ngesandla okanye ngeposi  ebhalisiweyo kulowo ubangisana naye.  

• Ukuba alihlawulwanga kwisithuba seentsuku ezili-14, yiya 

kumabhalana wenkundla nobungqina bokuba ibango liye  lasiwa kulowo kubangiswana naye.  Yintoni okumele uyise kumabhalana:  

• Ibango nobungqina (umz. isliphu seposi) bokuba lisiwe.  

• Naliphi na utyikityo lwesivumelwano, amaxwebhu okanye  obunye ubungqina bebango.  

• Igama elipheleleyo, idilesi (idilesi yasekhaya/eyeshishini,  ukuba ikhona), inombolo yomnxeba yalowo kubangiswana  naye.

 Kuze kuthini ke?

• Umabhalana uya kukunceda (wena ukhalazayo) ukuba  uzalise iisamani uze ufumane umhla nexesha lokuchotshelwa  kwetyala.  

• Unokusa iisamani kulowo ubangisana naye (ummangalelwa)  ngokobuqu. Umele ungqine kumKomishina weNkundla  yaMabango amaNcinane ukuba use iisamani buqu kummangalelwa.  okanye  

• Ungahlawula usherifu uze use iisamani kusherifu okufutshane  nalapho uMkhalazelwa ahlala khona. Usherifu  uyazidlulisa.  

• Apho usherifu eye wathumela khona, fumana ubungqina  (ukuziswa kwenkonzo ngusherifu) ngaphambi komhla  wokuchotshelwa kwetyala.  

• Gcina utyikityo lwesivumelwano , uxwebhu nobunye  ubungqina bebango lakho.  

• Yazisa amangqina ngomhla nexesha lokuchotshelwa kwetyala,  uze wenze amalungiselelo okuba abe senkundleni  ngelo xesha.  

• Yiza nekopi yokuziswa kwenkonzo ngusherifu enkundleni.

Emva kokufumana iisamani, angenza ntoni  ummangalelwa?

• Ahlawule ibango okanye alungiselele ukuhlawulwa kwezavenge  ngemvume yalowo uKhalazayo.  

• Athumele istetimenti esibhaliweyo, esichaza ukuma  kwakhe nezibakala esisekelwe kuzo (esibizwa ngokuba  ‘sisicelo’), kumabhalana wenkundla, aze uthumele ikopi  kulowo ukhalazayo.  

• Aphikise ibango (nxamnye nalowo uKhalazayo) ngokuthumela  istetimenti esibhaliweyo esifana nesamani kumabhalana wenkundla.  

• Abe senkundleni ngosuku nexesha elibekiweyo, yaye  inkundla iya kusiqwalasela isicelo okanye ukulwa nebango.  

Kuthekani ukuba lowo umangalelweyo uyahlawula ngaphambi komhla wokuchotshelwa  kwetyala?  

Nika lowo umangalelweyo irisithi ebhaliweyo uze wazise umabhalana  ukuba uhlawulwe yaye awusayi kuqhubeka neli tyala.  Kucebiseka ukuba ufakeuxwebhu olupheleleyo lokuhlawulwa.

Ungenza ntoni ngomhla wenkundla?

Vela enkundleni ubuqu ngexesha uhlale de ukhululwe ngum-  Komishinala. Kwakhona qinisekisa ukuba:  

• unawo onke amaxwebhu elisekelwe kuwo ibango lakho  (amaxwebhu okungqina ibango lakho/lawo akumelayo);  

• akho onke amangqina nokuze wazise umabhalana ngolwimi  alukhethayo nokuba ufuna itoliki na; yaye  

• unobungqina obubhaliweyo bokudluliselwa kweesamani  kulowo ukhalazelwayo, umz. i-afidavithi yokukhutshwa/  ukudluliselwa ngusherifu.

Kwenzeka ntoni xa kuchotshelwa ityala?

Iinkqubo zenkundla azikho ngqongqo yaye zilula. UMkhomshinala  uya kukucela ukuba uchaze isikhalazo sakho yaye  unokufuna iinkcukacha ezingakumbi.  Chaza izibakala ngokufutshane. Phendula imibuzo yomKhomishinala  uze uthumele ubungqina bakho.  Ukuhlatywa kwemibuzo akuvunyelwanga. UmKomishinala  angakuvumela ukuba ubuze imibuzo embalwa kulowo ubangisana  naye.  Mphulaphule kakuhle lowo ubangisana naye yaye akugqiba  ukuthetha, chaza izibakala angazichazanga kakuhle kumKomishinala.  Emva kokuphulaphula wena, lowo ubangisana naye namangqina,  umKomishinala unokukumisa ukuchotshelwa kwetyala  okanye awise isigwebo ngokukhawuleza. Kanti umKomishinala  unokutsho ukuba uza kukubhalela akwazise ngesigwebo  kamva.

Ngaba akwanelisekanga sisiphumo?

INkundla yaMabango amaNcinane asiyonkundla yokubhala  yaye okuqhutywa apho akubhalwa ngokweenkcukacha.  Ukuba akwanelisekanga sisiphumo salo mba, iinkqubo zale  nkundla zinokuthunyelwa kwiNkundla ePhakamileyo ukuze  zihlolwe ngokusekelwe kwizibakala ezintathu kuphela:  

• Ukungabikho kwesihlahla.  

• Ukuba nomdla kunobangela/umkhethe/ukufuna ukuvisa  ubuhlungu/urhwaphilizo olwenziwa ngumKomishinala.  

• Ukungalandelwa okumandla kwenkqubo.  Akunakufakwa sibheno nxamnye noko kufunyaniswe kule  nkundla.  Thetha negqwetha lakho mayela nokuthatha lo mba uwuse kwiNkundla ePhakamileyo ukuze uhlolwe.

Kuza kwenzeka ntoni emva koko?

Isigwebo seNkundla yaMabango amaNcinane asiphikisiwa.  Lungisa nawuphi na umyalelo wenkundla kuquka iindleko uze  ulandela isigqibo.  Ukuba singakwicala lakho: Lowo ubangisana naye unokukuhlawula  imali ekuthiwe makakuhlawule yona. Mnike irisithi  yaloo mali.  Xa lowo ukutyalayo engenakuthobela, inkundla iya kuphanda  ismo sakhe ngokwezimali nokukwazi kwakhe ukuhlawula ize ikhuphe umyalelo ofanelekileyo. Ebudeni bophando lwezimali,  abanye ababandakanyekileyo bacelwa ukuba bashiye inkundla.

Kuthekani ukuba lowo utyalayo uyasilela  ukuhlawula?

Ukuba lowo utyalayo akahlawuli yaye ufuna ukunyanzelisa oko,  kuya kusebenza inkqubo yeNkundla kaMantyi. Umabhalana  uya kukhupha umsila wengwe yaye usherifu wenkundla uya  kwenza ngokuvumelana nawo.  Dibana negqwetha lakho ngokunyanzelisa isigwebo  kwiNkundla kaMantyi.