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Eminyakeni lengetulu kwalengemashumi lamabili lendlulile, ngasungula Sikhwama Setinzuzo seKganya (“ Sikhwama ”) kwentela kutsi kuzuze libandla lase-ZCC. Ngaphansi kwebuholi bami leSikhwama, iminyaka leminyenti, sente kaba nekufinyeleleka kutinzuzo letibalulekile temalunga ase-ZCC lakhokha imali yawo njalo ngenyanga nalasesimeni lesifanele (“ tinzuzo temalunga ”). Letinzuzo tifaka ekhatsi tekungcwaba letifinyelelekako, tifo letingalapheki nemshwalense wekutfola ingoti (“ tinzuzo letikhaviwe ”); naletinye tinzuzo letifana netinzuzo te-Leeto la Moria, lusito nawulinyalelwe yimoto endleleni netinzuzo tekulawula umgcwabo netinzuzo tekuhlolelwa imphilo lekahle (ngalokuphatselene nelikomidi lemalunga elisontfo langemalunga lazuzako) (" tinzuzo letingakhavwa "). Mine nalengibambisene nabo kuphatsa leSikhwama, ngihlala ngicinisekisa kwekutsi lokusebenta kwaleSikhwama kuhambisana ngalokugcwele nemtsetfo lofanele. Kute uhlale uhambisana nemiyalelo, leSikhwama asinayo lenye indlela kodvwa kufuneka kube netingucuko tsite ngenca yetingucuko kulomtsetfo wemshwalense lowube nemtselela kulendlela leSikhwama sisebenta ngayo. Kuchitjiyelwa kumatayitela aleSikhwama, nekuchitjiyelwa futs/noma kucitfwa nekuguculwa kwalemitsetfosimiso lebekwe nguleSikhwama, ngako-ke kuyadzingeka. Lokuchitjiyelwa kutawuba nemtselela kuletinzuzo totimbili letikhaviwe kulomshwalense naletingakakhavwa (ngalokuhlangene “ letingucuko ”) . Lencwajana itawuba yincenye yesatiso ngetingucuko tebulunga bakho letibangelwa nguloko kuchibiyela. Emarekhodi etfu akhombisa kutsi ulilunga laleSikhwama kantsi ulungele kuba lilunga lelinetinzuzo. Uma ngabe ungasilo lilunga laleSikhwama kantsi awukulungeli kuba lilunga lelinetinzuzo, ungasinaki lesatiso. Njengemphatsi waleSikhwama, ngiyakucinisekisa kwekutsi yonkhe imitamo yentiwe kucinisekisa kutsi tinzuzo takho tihlala tinjalo nentalo yakho njengelilunga lelizuzako kuvikelekile kantsi angeke kube nemtselela lomubi ngenca yaletingucuko letidzingekako. Kute kutsi kuvumeleke letingucuko sicelo sitawentiwa eNkantolo Lephakeme yaseNingizimu Afrika (Indzawo yaseGauteng, ePitoli) ngekuya ngesigaba 13 seMtsetfo Wekulawulwa Kwemphahla Yesikhwama 57 wanga 1988 (Trust Property Control Act 57 of 1988) (" Sicelo seNkantolo "). Inkantolo Lephakeme itawubese itsatsa ngekunakekela letingucuko, nekucinisekisa kutsi tinshisekelo takho njengelilunga tinzuzo takho tivikelekile. Kubaluleka kwalesatiso kutsi sichaze ngalokwenabile ngaletingucuko , nemitselela yakhona letawuba kumalungelo akho njengelilunga lelinetinzuzo. Bulunga kuleSikhwama • Uma ngabe ulilunga laleSikhwama, utawuhlala ulilunga laleSikhwama. • Utawulungela uchubeke ulungele njengelilunga lelizuzako, lelifanele kutfola tinzuzo taleSikhwama, uma inkani nje uchubeka nekukhokhela imali yebulunga yanjalo ngenyanga. Kukhokhelwa kwetimali tebulunga • Njengelilunga laleSikhwama, kutawufanele kutsi uchubeke ukhokhe imali yebulunga njalo ngenyanga kulamagatja lahlukene aleLibandla. Njengoba bekuhlala kwentiwa njalo kuze kube kunamuhla, utawuniketwa siliphu nawukhokhela imali yakho yebulunga yanjalo ngenyanga. • Lamakomidi alelibandla atawufaka letimali tebulunga ebhange leliyi-akhawunti yaleSikhwama. • Ngekukhokhela imali yakho yanjalo ngenyanga, ucinisekisa bullunga bakho njengalozuzako kuleSikhwama. • Sicela wati kutsi imali yakho yenyanga yebulunga itawuhlala injalo kantsi angeke igucuke noma itsikanyetwe yimiphumela yetingucuko letentekako. Letinzuzo letikhaviwe: umgcwabo, tifo letingalapheki nekutfola ingoti. • Kwanyalo, onkhe emalunga lazuzako bekatfola ikhava yetinzunzo tekubangcwaba, yetifo letingalapheki netinzuzo tengoti lekungeyakho ngemapholisi emacembu latfolwe nguleSikhwama lesilawulwa baka Sanlam Developing Markets Limited (" iSanlam "). • Noma kunjalo, ngenca yetingucuko letikhona kulomtsetfo wemshwalensi, leSikhwama nebaka Sanlam angeke bachubeke nalamapholisi alamacembu.
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