Uhlelo lomngcwabo eNingizimu Afrika ngumgomo womshuwalense obandakanya wena nomndeni wakho ngezindleko ezihambisana nokufa. Lapho imali ingakhokhwa ngokheshi kumuntu oshade naye noma abathembele kunqubomgomo, kunikezwa imihlomulo ehlukahlukene efana nokusetshenziswa kwezimoto nokudla komndeni wakho isikhathi esithile ngemuva kokushona kwakho.
Uhlelo lomngcwabo yisembozo esisusa iziphazamiso ezihambisana nokuphila kwansuku zonke lapho umndeni wakho usosizini futhi kungenzeka ungakwazi ukuthola imali yokuhlanganisa izindleko zokuphila kanye nezindleko zomngcwabo. Akuyona inqubomgomo yomshuwalense wokuphila kepha njengomshuwalense wempilo, ukhokhwa ngesikhathi sokufa noma kungekudala nje ngemuva kwalokho.
Kungani uhlelo lomngcwabo lubalulekile?
Abaningi bangasho ukuthi azikho izinqubomgomo zomshuwalense ezidingekayo futhi kungashiwo okufanayo ngohlelo lomngcwabo. Noma kunjalo, kuya ngombono wakho empilweni. Lapho ushona, umndeni wakho kuzodingeka ukuthi ukhiphe imali enkulu ukukunikeza umngcwabo okufanele .
Ngaphandle nje kokuthi bafuna ukukukhumbula ngesithunzi mayelana nomngcwabo ofanele kepha kukhona nezingcindezi zenhlalo okufanele bahambisane nazo. Akekho ofuna umngcwabo wabafundi futhi uma usho ukuthi awukho ngesikhathi sokuyibona, akekho umuntu ofuna ukubona othandekayo wakhe ethunyelwa ngaphandle komngcwabo ohlonishwayo.
Ukuze bakunikeze umngcwabo obonwa ngumndeni wakho njengokufanele kusho ukuthi kuzofanele bafinyelele emalini enkulu, imingcwabo iyabiza. Kunzima ukwenza ngisho nomngcwabo oyisisekelo ongaphansi kuka-R10,000 kulezi zinsuku
Umndeni wakho uzoguqukela kubani? Ngabe bazosebenzisa imali yabo yokuphila engasetshenziswa kwenye indawo? Ngeke bakhokhele irenti, ugesi noma imali yesikole ukukunikeza umngcwabo ofanele? Ngabe bazoboleka kubangani, izihlobo noma ngisho nabakhokhelwa imali encane abazokweleta kubo iminyaka ezayo?
Uhlelo lomngcwabo luhlanganisa lezizinto ezisetshenziswayo futhi luqinisekisa ukuthi umndeni wakho akudingeki ucele futhi uboleke ngesikhathi sokufa kwakho. Ukuthi kuyadingeka noma cha kukwenza isinqumo.
Luzokhokha malini uhlelo lomngcwabo?
Ukukhokha ohlelweni lomngcwabo eNingizimu Afrika kuya ngesilinganiso sekhava oyithengayo. Ungathenga uhlelo lomngcwabo olungaphansi kuka-R29 ngenyanga noma ukhokhe amakhulu ngamarandi kumaprimiyamu njalo ngenyanga. Ungayimbozelwa yonke indawo kusuka ku-R5,000 kuya ku-R50,000 noma ngaphezulu.
Ezinye izinhlelo zomngcwabo ngezinsizakalo zomngcwabo kungenzeka zingabeki imali ezandleni zoshade naye noma zezingane kepha kunalokho zizoqinisekisa ukuthi zonke izindleko ezihlobene nomngcwabo zimbozwa ngokugcwele. Kepha izindleko zokufa azigcini lapho. Noma ngabe umngcwabo wakho ukhokhelwe, kusenezinye izindleko ngaphambi nangemva komngcwabo uqobo ongadinga ukuhlangatshezwa.
Ngakho-ke kubalulekile ukuthi uqiniseke ukuthi uhlelo lwakho lomngcwabo lukhokha imali engaphezu kwezindleko zomngcwabo
Ungaluthengaphi uhlelo lomngcwabo?
Amacebo omngcwabo ayatholakala ezinkampanini zomshuwalense, emabhange ngisho nangezinsizakalo ezithile zokungcwaba nabenzi. Ukuthenga uhlelo lomngcwabo kulezinsuku kulula njengokuthatha ifoni nokuqedela ukuthenga kungakapheli imizuzu embalwa. I-akhawunti yakho yasebhange izokhokhiswa njalo ngenyanga noma ungahlela inani elinesaphulelo nomhlinzeki wezinsizakalo zezezimali ngokukhokha iprimiyamu yonyaka (inani elilodwa minyaka yonke).
Kubalulekile nokho ukuqonda ukuthi yini oyithengayo ngokuya kwemali ekhokhelwa kanye nezinye izinzuzo zohlelo lomngcwabo. Abathengi abaningi ababheki ngale kwe-premium yanyanga zonke futhi ngesinye isikhathi bangakhetha ikhava ephansi.