Yenza Isiqiniseko Sokobana Unencwadi Yelifa 

Nakungenzeka umuntu ahlo ngakale angakenzisi incwa di yelifa, ipahla ebekade kungeyakhe izokusatjalaliswa ngokuya ngemigomo yeInte state Succession Act,  izuzwe babantu ekufanele bayithole ngokomthetho.
Umthetho uhlathulula kuhle bona ilifa kufanele lisatja laliswe bunjani. Kokuthoma ilifa linikelwa iinhlobo zee ngazi zomuntu ohlonga -keleko, ngokuhleleka okuthileko:  ●	 Nangabe	utjhiye	umlinga ni kwaphela, loyo mlinga ni uzokuthola loke ilifa.
●	 Nangabe	awunaye	umli ngani kodwana utjhi ye abentwana okunge bakho, bazokuthola ilifa ngokulinganako.
●	 Nangabe	utjhiye	umlinga ni kunye nabentwana, u mlingani uzokuthola isa belo sabentwana nofana uzokuthola i-R250 000,  nanyana ngikuphi oku khulu, begodu nabentwa na bazokwabelana ngoku linganako imali eseleko.
Isibonelo, nangabe ilifa lingangeengidi ezimbi li zamaRanda begodu umuntu ohlongakeleko utjhiye umlingani kunye nabentwana abathathu, inani lesabelo sabentwana izakuba yi-R500 000. Isa belo sabentwana sibalwa ngokwehlukanisa inani lemali kane.  ●	 Nangabe	awunamlingani	  nofana abentwana, ko dwana ababelethi bakho  bobabili basaphila, ngi bo abazokuthola ilifa ngokulinganako. Nangabe munye wababelethi bakho uhlongakele, kodwana u tjhiye abentwana bakwe nu, umbelethi osaphilako uzokuthola ingcenye yeli fa begodu abentwana bo mbelethi ohlongakeleko bazokuthola ingcenye esa lako.
●	Nangabe	ababelethi	bo mufi bahlongakele, ko dwana batjhiye abentwa na, ilifa lihlukaniselwana ngokulinganako hlangana kwabomntanabo	lomufi.	●	 Nangabe	umuntu	ohlonga keleko akanamlingani, akanabentwana, akana babelethi nofana abentwa na bakwabo, isihlobo see ngazi esiseduze ngiso esi zokuzuza loke ilifa.
●	 Kokugcina,	nangabe	umu ntu ohlongakeleko akana so nasinye isihlobo, umBu so uzokuthatha loke ilifa.
Ngaphezu kwalokho oku balwe ngehla, umntwana obelethwe ngaphandle ko mtjhado unelungelo loku zuza ilifa elitjhiywe ziinhlobo zemindeni yomibili; begodu umntwana ombelekelwe ngokomthetho uthathwa njengomntwana wombe lethi loyo nofana wababelethi abambelekeleko.
Incwadi Yelifa Isebe nza Nini?  Incwadi yelifa isebenza kwaphela nayenziwa mu muntu oneminyaka eli-16 ukuya phezulu, begodu ku fanele ahlangabeze iindingo ezilandelako:●	 Kufanele	kutlolwe	phasi,	begodu kusayinwe ikha si ngalinye nekugcineni komtlolo lo.  ●	 Kufanele	kusayinwe	pha mbi kwabofakazi ababili nofana abangaphezulu abazwisisa kuhle ikambi so. Omunye nomunye umuntu oneminyaka eli14 ukuya phezulu angaba ngufakazi. Indlalifa ayika vunyelwa ukuba ngufa kazi. ●	Kufanele	uzalise	imi niningwana yepahlakho ngokuphelela kwayo be godu utjho bona ufuna ukuyitjhiyela ubani, be wufake amabizo wakhe/wabo kunye neminini ngwana yabo.
●	 Kufanele	ukhethe	umuntu	  ozokulawula ilifa lakho (uMabilifa). Umuntu loyo akukafaneli abe yindlalifa.  ●	 Kufanele	utjho	bona	ufu na kwenzekeni ngelifa lomzuzi osesemncani.
●	 Nangabe	nguwe	wedwa	otjheja umntwana osese mncani, khetha umuntu ozakuba mtjheji womntwa na nakungenzeka uhlonga kale.
●	 Yenza	isiqiniseko	sokoba na incwadi yelifa esayini weko uyibeka endaweni ephephileko, ngombana ikhophi ayikavumeleki, angeze yasetjenziswa.
Ilwazeli ulethulelwa yi-Ofi si yeOmbuds for Fina ncial Services Providers elilunga leKomidi yeNational Consumer Financial Education.



