Sekunyulwe imali yempesheni elinganiselwa kuR60 billion: iSars

WUBONISWA MOHALE

SEKUPHELE unyaka uhulumeni waseNingizimu Afrika wavumela abantu ukuthi banyule imali ezikhwameni zabo zempesheni ukuze benze izinto ezibaxinile. 

NgoSepthemba wangonyaka odlule umNyango weziMali wagunyaza abantu ukuthi banyule imali ebhodweni lezikhwama zabo zempesheni ngokohlelo i-two pot retirement system.

Imibono ngalesi sinqumo isahlukene njengoba abangahambisani naso bekhala ngokuthi asizwakali ngoba vele abantu baseNingizimu Afrika abayongi imali eyanele yokuphila uma sebethathe umhlalaphansi. 

Kolunye uhlangothi izinyunyana zezisebenzi okuyizona ezazihamba phambili ekutheni abantu abavunyelwe ukunyula imali yempesheni zikhala ngokuthi mncane kakhulu uR30 000 abantu abavunyelwe ukuwunyula kanye ngonyaka. 

I-managing executive eSanlam uMnu uNzwananai Shoniwa ithi iSouth African Revenue Service (iSars) ithi izikhwama zempesheni sezikhokhele abantu uR57 billion kusukela ngoSepthemba wangonyaka odlule kuze kubesekupheleni kwango-Agasti walo nyaka. 

I-Sars isiqoqe uR15bn njengoba njalo uma abantu benyula ithola ingxenye ethile yaleyo mali. 

Uthi iSanlam isikhokhele abanyula impesheni uR4bn. Kule mali iSars ingenise uR1bn ngentela yamalungu ale nkampani akade eyoncozula imali yawo yempesheni.  

UShoniwa uthi abanyula imali yemphesheni bakhipha imali enkulu ngoba bathatha u-81% wemali abavumeleke ukuyikhipha njalo ngonyaka njengoba iningi likhonze ukukhipha uR22 100 kuya phezulu. 

Eminye imininingwane ebalulekile: 

Wubani okhipha imali nokuthi kubaluleke ngani loku?
Abantu abanyula imali yabo yempesheni ngabasebenze isikhathi eside abawu-42% wezibalo zaseSanlam, baneminyaka ewu-35 kuya kwewu-44, u-28% wabantu abakhipha imali uneminyala ewu-45 no-54, kuthi u-22% kubengabaneminyaka ewu-25-34. Abanyula kakhulu ngokobulili ngabesilisa abawu-55% bese kubangabesifazane abawu u-45%. 

Bayenzani imali abayinyula esikhwameni sempesheni abantu?

U-44% wemali enyulwayo ikhokhela izikweletu, u-33% ukhokha imali yesikole bese enye isetshenziselwe ukusiza abomndeni abangasebenzi. Enye ikhokhela irenti, ithenge ukudla futhi ikhokhele izindleko zikadokotela noma imithi.

Idlanzana belisebenzisa le mali ukuya eholidini nokuthenga izimoto. Loku kukhombisa ngokusobala ukuthi abantu bathwele kanzima, bathatha imali yempesheni ukuze bakwazi ukuziphilisa. 

Imiphumela okungafanele siyizibe
Ukunyula imali yempesheni kuzobanemiphumela emibili ngokuhamba kwesikhathi. Kolunye uhlangothi ukunyula impesheni kunike imindeni eminingi ithuba lokuphefumula emva kokumpintshwa yizikweletu. Abantu bayakwazi ukukhokhela izikweletu zabo, bakhokhe nemali yesikole noma bakwazi ukuphila kahle ngenyanga esikhundleni sokuklinyeka.

Ngokuhamba kwesikhathi ukunyula impesheni kuzobanemiphumela emibi ngoba u-80% wabantu abanyula imali ngeke bakwazi ukuyibuyisela ngokugcwele, ngamanye amazwi bazokwazi ukubuyisela imali engaphansi kukahhafu wabayinyulile. Kusho ukuthi bazobanemali yomhlalaphansi engaphansi kuka-70% no-80% okulindeleke ukuthi babenayo ukuphila kahle uma bengasasebenzii. Laba bantu vele abawulungiselelanga kahle umhlalaphansi, ukunyula kusho ukuthi isimo sabo somhlalaphansi sizobasibi kakhulu. 

Yonke imali enyulwayo isho ukuncipha imali yomuntu yomhlalaphansi. Ukunyula bekwenzelwe ukuthi abantu bathathe imali encane bese kubaphoqa ukuthi balondolozele isikhathi eside kodwa kubanantu abaloku benyulile uma kuvela ithuba. Loku kuzobabeka engcupheni. 

Kuzodingeka izisombululo zesikhathi eside
I-Sars ithi seloku kuqale ukunyula sekukhishwe uR57bn ezikhwameni zempesheni ezihlukene, yona isiqoqe uR15bn wentela. Okwamanje loku kukhombisa ukuthi imali eningi iyaphuma kodwa ukuphoqa abantu ukongela umhlalaphansi ngokuthi kubenemali abavinjwe ukuyithinta kuyasiza. 

UShoniwa uthe eminyakeni edlule abantu bekuthi uma beshintsha imisebenzi bathathe imali yabo yempesheni. Loku bekusho ukuthi njalo uma beqashwa baqala phansi ukongela umhlalaphansi. Uhlelo lwe-two pot retirement luzenezinguquko eziningi kodwa okuhle wukuthi noma abantu beqhubeka nokunyula imali kunemali abangeke bayithinte, okuyiyona eloku ikhula. Okwenzeka manje kuhluke kakhulu kunokwakwenzeka kudala.

Umkhulumeli weCongress of South African Trade Unions ePhalamende uMnu uMatthew Parks uthe bafuna kuchitshiyelwe i-Revenue Laws Amendment Bill ukuze kwenzeke izinguquko ezifanele ohlelweni lokunyula empeshenini. “Uhlelo lokunyula imali yempesheni selusize izisebenzi eziwu-3.5 million ukuthi zikhokhele izikweletu njengoba isimo somnotho sisibi. Imali esiphumile iwuR57bn. Siyazi nokuthi ingenile imali esikhwameni sentela sezwe ngoba uma izisebenzi zinyula imali yempesheni neSars nayo ingenelwa yimali kodwa sifuna yehle intela ekhokhwa ngabanyulayo futhi ithi xaxa nemali abavunyelwe ukuyinyula.”