Ukubhadelwa kwesikolodo

Ihlathululo

Nangabe omunye umuntu (okolodako) ukukoloda imali, ungamummangalela (umvulele icala) ukobana ubuyise isikolodo akukoloda sona. Lokhu kutjho bona ungatha loyo okukolodako umuse eKhotho yamaTleyimu amaNcani ukobana uzame ukwenza bona akubuyisele imalakho. Ikhotho le yenza ikambiso yetleyimu msinya, lula begodu ingabizi khulu.

Ngubani ongenza umbango wemali?

• omunye nomunye ngaphandle komuntu womthetho njemakhampani, iinhlangano namkha amakhopharetjhini
• umuntu ongaphasi kweminyaka ema-21 kumele arhelejwe mbelethi namkha umondli osemthethweni.

Umbango wemali ungenziwa malungana nobani? 

• Ngaphandle kombuso (kufakwa hlangana uRhulumende weliZwe nanyana weNarha, wePhrovinsi kanye neweNdawo), mayelana nomunye nomunye, kufakwe hlangana amakhamphani, amabhizinisi nanyana amanye amabhizinisi hlangana nendawo yaleyokhotho.

Yimalini engabangwa?

• imali engeqi ku-R12 000
• nangabe umbango weqa i-R12 000ungafaka umbango naNyana kuyimali engaphasi kwaleyo eKhotho yemiBango emiNcani.

Isibonelo semihlobo yemilandu eyenyulwako emakhotho wemibango emincani:

• amagadango:
  • wokubuyisela imali ebolekiweko
  • wepahla etjhidisekako nengatjhidisekiko leyo engadluli ku-R12 000
  • malungana nomuntu ohlala epahleni engaphakathi kwamandla wesikhundla sekhotho (nakhona nakukuba inani layo alidluli i-R12 000)
  • avela emitlolweni yokuphelisa isb. Ukuvuma isikolodo namkha ibhondi engeqi ku-R12 000
  • avala esiVumelwaneni sesiKolodo ngokuya ngokusigaba 1 somThetho wesiVumelwano sesiKolodo lapho inani lingeqi ku-R7 000.

Ngiziphi iindaba ezingafakwa emandleni wesikhundla sekhotho? 

• umbango:
  • wemali ongeqi ku-R12 000 ngenani
  • wemali malungana nomBuso
  • odzimelele ekudlulisweni kwamalungelo
  • wokulimaza ngokuthukwa, ukutjhutjhiswa okubudisi, ukuvalela ngokungasimthetho, ukubotjhwa ngokungemthetho, ukurherha kunye nokwephula isithembiso somtjhado
  • wokuphelisa umtjhado
  • wokungakholwakala kwencwadi yamafa
  • ophathelene nobujamo bomkhumbulo womuntu
  • wokwenza okuthileko okufuneka ngaphandle komunye umbango wokubhadala umonakalo, ngaphandle kwalapho umbango wokulethwa kwama-akhawunti namkha ukudluliswa kwepahla etjhidisekako engadluli ku-R12 000.

Ukatelelekile bonyana use umlandu wakho ekhotho yemibango emincani?

• awa, ungakhethe bonyana uwusa ekhotho yemiBango emiNcani namkha ekhotho enekghono.

Ikambisolawulo yokuyelelisa abantu abasebenzisa amaKhotho wemiBango emiNcani:

• awufuna ukusa umbango eKhotho yemiBango emiNcani, qinisekisa bonyana ummangalelwa uzakwazi ukukubhadala nangabe uyawuthumba umlandu. Kuyingozi ukubanga nomuntu ongasebenziko begodu onganapahla.

Ukuthola abajameli kezomthetho kunye nokurhelejwa ekulungiselelweni kombango: 

• ukujanyelwa ngugcwetha namkha umjameli kwezomthetho akukavunyelwa. Namkha kunjalo, ungathola iseluleko kugcwetha ngokuzibhadalela wena
• irhelebho lezomthetho kunye nabomabhalana beKhotho yemiBango emiNcani bazakurhelebha simahla.

Abatologi:

• elinye nelinye ilimu leSewula Afrika elisemthetweni lingasetjenziswa ekhotho
• amalungiselelo kumele enziwe malungana nabatologi ngokukhulumisana nomabhalana wekhotho ngaphambi  kwesikhathi namgabe ubufakazi buzokunikelwa ngelimi omunye angese alizwisise.

Amagadango okufanele alandelwe

Igadango 1: Thintana nommangalelwa

• umuntu lowo obanga naye ngokomthetho kungaba kubonana, ukumtlolela namkha ngomtato umbawe bonyana aqinisekise umbango wenu.

Igadango 2:  Incwadi yokufuna ngamandla

• nangabe ummangalelwa akaqinisekisi umbango wakho, mthumele incwadi yokufuna ngamandla utlole woke amaphuzu umbango odzimelele kiwo begodu nenani olifunako. Nikela ummangalelwa amalanga ama-14 kusukela ngelanga athole ngalo incwadi bonyana abhadale iimfuno zakho. Mnikele ngesandla incwadi yokufuna ngamandla namkha uyipose ngeposo etlolisiweko.

Igadango 3: Ukuya kumabhalana wekhotho

• ngemva kwamalanga ama-14  iya kumabhalana wekhotho uphethe imitlolo elandelako:
  • isitjengiso sokobanyana incwadi yokufuna ngamandla umnikele, njengesilibhu seposweni
  • ikontraga onayo, umtlolo namkha esinye nesinye isitjengiso umbango lowo odzimelele kiso
  • igama kunye ne-adresi (yekhaya neyebhizinisi, nangabe ikhona) kunye neenomboro zomtato wommangalelwa.

Igadango 4: Amasamoni aya kummangalelwa

• umabhalana wekhotho:
  • uzakuhlola imitlolo yakho begodu akurhelebha ukutlola amasamoni
  • uzakukhipha amasamoni akunikele bonyana uyokunikela ummangalelwa
  • uzakwazisa ngelanga nesikhathi umlando uyokulalelwa ngalo.

Igadango 5: Ukwethulwa kwamasamoni

• sethula amasamoni kummangalewa ngokwakho begodu kumele itlikitlwe imitlolo leyo.
• ummangali kumele:
  • enze amakhophi wamasamoni,
  • incwadi yokufuna ngamandla kunye
  • nesitjengiso sokwenzelwa umsebenzi.
• amakhophi lawo kumele anikelwe ummangalelwa (owaziwa njengommangalelwa). Ummangali kumele anikele umabhalana wekhotho amakhophi wamambala ngokurhabako ngaphambi kokulalelwa kombango ukuqinisekisa bonyana ilwazi lelo libekwe kufayili yekhotho.

Yini okungenzeka egadangweni lesi- 5 & 6?

Amagadango angathathwa mmangali ngemva kokuthola amasamoni:

• ummangalelwa:
  • angathambela umbango wommangali
  • anganikela umabhalana wekhotho isitatimende esitloliweko athumele ikhophi kummangali
  • angakhipha umbango ophikisana nowakho ngokunikela umabhalana wekhotho isitatimende esitloliweko esinalokho okufunwa masamoni.
• nangabe kunesibawo namkha umbango ophikisako, ikambiso yekhotho kumele yenziwe.

Wenzani ummangalelwa nakanelise umbango wakho?

• khipha irasidi etloliweko msinyana.
• yazisa umabhalana wekhotho bonyana umbango wakho usombululekile awusarageli phambili ngomlandu.

Igadango 6: Ukulalela

• kumele uye ekhotho ngokwakho
• qinisekisa bonyana:
  • bonyana uphethe yoke imitlolo
  • abofakazi bakho bakhona
  • unesitjengiso esitloliweko bonyana amasamoni wamnikela ummangalelwa.
• ikambiso yekhotho ilula
• angaze kwaba nomjameli wezomthetho namkha ugcwetha ozolujamela
• ukomtjhinara wekhotho uzokubawa bonyana ukhulume umlandu wakho. Ukhulume amaphuzu ngokurhunyeziweko
• uphendule imibuzo kakomtjhinara utjengise ngokuphetheko (imitlolo leyo umlandu lowo udzimelele kizo)
• akunamibuzo evumbululako evunyelweko. Ngemvumo kakomtjhinara, aungabuza imibuzo embalwa kummangalelwa
• lalelisisa ihlathululo yommangalelwa bese utjela ukomtjhinara amaphuzu lawo obona bonyana akakatjhiwo kuhle
• ngemva kokuthi ukomtjhinara akuzwile, ummangali kunye nofakazi ongabakhona, ikhotho ingadlulisa isigwebo. Ukomtjhinara angatjho bonyana isigwebo sizakunikelwa ngokutlola incwadi ngemva kwesikhathi.

Igadango 7: Ngemva kwesigwebo

• nakwenzeka isigwebo siphumele wena:
  • isigwebo sekhotho asiphikiswa, ngaphandle kokuthi kunezizathu zokuqala ngobutjha umbango lowo
  • ungabhadala umlandu ikhotho ekubeke wona. Iindleko ezingabakhona kungaba ngezommangalelwa azenze ngesherifu yekhotho
  • hlonipha isiqunto sekhotho.

• nakwenzeka isigwebo siphumele ummangalelwa:
  • ummangalewa kumele abhadale enye namkha yoke imali akukolda yona ngokuya ngokwesigwebo nangabe unemali. Kumele ukhiphe irasidi yemali enye nenye ebhadaliweko
  • nakwenzeka ummangalelwa akakwazi ukuphetha isigwebo khonokho, ikhotho izakuhlolisisa ubujamo beemali zommangalelwa bese baqala bonyana angakwazi ukubhadala umlandu wakhe begodu enye nomlayo wokubuyisela.

Okuqakathekileko:

• okungaphezulu kukutjela ngamagadango aqakathekileko okumele uwathathe nawufuna ukubika umlandu ekhotho yemibango emincani
• nawufuna irhelebho ngenye nenye into iinomboro zomtato kunye ne-adresi kamabhalana wekhotho yemibango emincani ungazithola ema-ofisini kamarhastrada wendawo.

Amazinga wokusebenza nesikhathi

• Uzakuphathwa ngokuhlonitjhwa, ngokulingana nangesithunzi.
• Nangabe ubuphethwe ngokungahlonitjhwa namkha ngendlela yokubandlululwa, unganghognhoyila ekhotho eseduze nawe. Woke amakhotho amakhulu kune nawabomarhastrada asebenza njengamaKhotho wezokuLingana.

Iindleko

Nangabe ufuna ugcwetha amangalele namkha ukuvikele kumuntu okumangalelako, kumele umbhadale ugcwetha loyo. 

Amaforomo azaliswako

Complaint Form (Iforomo leenghonghoyilo)

Iforomo ungalithola eKhotho yemiBango emiNcani namkha emaKhotho waboMarhastrada namkha ema-ofisini weBhodo yokuYelelisa ngezomThetho. Ungathola amaforomo lawo ngokuya kuwebhusayidi yomNyango.

Imininingwana yokuthintana

Ungathintana nomjameli wezomthetho namkha uthintane ne-Ofisi yesiFunda nangabe unemibuzo kunye neenghonghoyilo. 

Irhelo lamaKhotho wemiBango emiNcani.