Cinisekisa Kutsi Unayo Incwadzi Yesivumelwano Selifa!

Uma umuntfu afa angaka yenti incwadzi yesivume lwano selifa, timphahla lebekanato titokwabiwa ngekwendlela yemtsetfo i-Interstate Succession Act , kulabantfu lekufanele bati tfole.
Umtsetfo loshayiwe ubeka imitsetfo yekutsi lifa kumele labiwe njani. Liya etihlotjeni letisedvute kucala, ngeku landzelana lokutsite:
• Uma ushiye umlingani kuphela, umlingani uta wutfola lonkhe lifa.
• Uma ungenaye umlingani futsi ushiye bantfwana kuphela, batawutfola lifa ngesabelo lesilinganako.  • Uma ushiye umlingani ne bantfwana, umlingani uta wutfola sabelo semtfwa na noma i-R250 000, noma ngukuphi lokukhulu, bese bantfwana bahlanganyela lokusele. Sibonelo, uma lifa libita tigidzi leti-R2 kantsi umufi ushiye u mlingani nebantfwana la batsatfu, sabelo semntfwa na sifikela ku-R500 000.
Sabelo semntfwana siba lwa ngekwehlukaniswa kwelinani kane.  • Uma ungenaye umlingani noma bantfwana, kodvwa batali bobabili baphila, batawutfola lifa ngesabelo lesilinganako. Uma munye umtali ashonile, kodvwa ashiye intalelwane, umtali losele utawutfola incenye yelifa bese intalelwane yalomtali loshonile itfole lelenye incenye.
• Uma bobabili batali be mufi sebashona, kodvwa bashiye situkulwane, lifa lihlukaniswa tincenye letilinganako.  • Uma umufi angashiyi u mlingani, intalelwane, batali kumbe situkulwane sebatali, sihlobo sengati lesisedvute sitawutfola lonkhe lelifa.
• Kwekugcina, uma umufi  anganaso sihlobo lasishi -yako, uMbuso utawutfola konkhe lokuphatselene nalelifa.
Kwengeta kuloku loku ngenhla, umntfwana lotelwe ngaphandle kwemshado angatfola kubo bobabili lane budlelwane bengati nabo; kantsi umtfwana loniketwe ngekwemtsetfo utsatfwa nje ngentalelwane yalowo mtali kumbe batali labaniketwe ngekwemtsetfo.
Isebenta nini incwadzi yesivumelwano selifa?Incwadzi yesivumelwano selifa isebenta kuphela uma yentiwa ngumuntu lonemi nyaka le-16 noma ngetulu, futsi kufanele ihlangabetane naletidzingo letilandzelako:
• Kumele ibhalwe phansi, futsi isayinwe kuwo onkhe emakhasi nasekugcineni.  • Kufanele isayinwe pha mbi kwabofakazi labane likhono lababili noma ngetulu. Noma ngumuphi umuntfu loneminyaka le14 nangetulu angaba ngu fakazi. Indlalifa angeke ibe ngufakazi.
• Kufanele ufake minini ngwane lephelele yeti mphahla takho nekutsi ufuna kutishiya kubani, lokufaka ekhatsi emaga ma nemininingwane yabo.
Kufanele ukhetse umuntfu lotophatsa lifa lakho (lo waba lifa). Lomuntfu a ngeke abe yindlalifa.
• Kufanele usho kutsi ku mele kwentekeni ngelifa lalomncane lozuzako.
• Uma kunguwe kuphela umlondvoloti wemtfwa na lomncane, yisho kutsi ngubani lokufanele akhe tfwe njengemlondvoloti  wemtfwana.
• Kufanele ucinisekise kutsi incwadzi yesivumelwano selifa yekucala lesayiniwe igcinwe iphephile, ngoba ikhophi ayisebenti.
Imininingwane iniketwe li-Ofisi leOmbud for Fi nancial Services Providers  njengelilungu leliKomidi Lavelonkhe Lemfundvo Yetimali Tebatsengi.
