Ugibe Lwezikweletu zikaZibandlela (December) 2025: Indlela Omashonisa Nabanye Abathengisi Abahlasela Ngayo Isibonelelo Sakho se-SASSA

Njengoba izinkokhelo zikaZibandlela 2025 ziqala ukuphuma, ababolekisi abanolunya (omashonisa) nezimemo eziqinile zokubolekisa ezitolo bahlasela abahlomuli be-SASSA. Lokhu kuhlaziya kwezezimali kudalula izingozi ze-‘SASSA loans’ futhi kunikeza amasu okubhanga ahlakaniphile okusinda kuJanuwari onzima.

Uhlangothi Olumnyama Lweholidi: Kungani Isibonelelo Sakho SiseNgozini Yokuhlaselwa

Ungavumeli isibonelelo sakho sikaZibandlela sibe yisikweletu sikaJanuwari. Sihlaziywa ukukhuphuka kokubolekisana okuyingozi okuqondiswe kubahlomuli be-SASSA ngoZibandlela 2025, siqhathanise izimali zamabhange, futhi sidalule iqiniso mayelana namakhadi esikweletu ezitolo kanye nokudonswa kwemali komshwalense womngcwabo.

Kungumhla ka-1 kuZibandlela, 2025, futhi ngenkathi iNingizimu Afrika yonke ilungiselela ikhefu lamaholidi, umkhuba oyingozi uqala ukuvela emalokishini nasemakhaya lapho kuhlala khona izigidi zabahlomuli be-SASSA. Sikubiza nge-Ugibe Lwezikweletu lukaZibandlela (December Debt Trap).

Njalo ngonyaka, njengewashi, ababolekisi abanolunya (omashonisa) nabamele izitolo ezibolekisayo baqala ukuhlasela okuhlangene okuhlasela ingxenye ebuthakathaka kakhulu yomnotho wethu: abahlomuli besibonelelo. Ngenxa yengcindezi yokuthenga iyunifomu yesikole ka-2026, izingubo zikaKhisimusi, nokudla kweholidi, abahlomuli abaningi bakhohliswa ukuba bangene ezivumelwaneni zezezimali ezizobakhubaza izinyanga eziyishumi nambili ezizayo.

Nali iqiniso eliphikisanayo amabhange nabathengisi abangeke bakutshele lona: Isibonelelo sakho se-SASSA yimali engenayo eqinisekisiwe, okukwenza ube umgomo ophelele wokuxhashazwa. Kulesi sihloko, asivele sibike izindaba; sidalula izimfihlo zomkhakha eziguqula i-R370 yakho noma isibonelelo sabadala sibe yinzuzo yamabhizinisi amakhulu noma omashonisa.

Amanga e-‘SASSA Loan’: Okudingeka Ukwazi ngo-2025

Ake sicace ngoba ulwazi olungamanga luyasakazeka njengomlilo ku-WhatsApp kulo Zibandlela: I-SASSA AYIKHETHI mboleko.

Uma ubona isikhangiso se-“SASSA Loan” noma “Grant Advance” sikaZibandlela 2025, ubheka umkhonyovu noma uhlelo lokubolekisa olungekho emthethweni. Nali iqiniso lokuthi kwenzekani manje:

• Ukuthathwa kwe-ID Nekhadi: Omashonisa abangekho emthethweni bafuna abahlomuli banikeze Amakhadi abo e-SASSA Gold namabhuku e-ID njenge-“collateral” (isibambiso) samaholidi amafushane. Lokhu akukho emthethweni ngaphansi kwe-National Credit Act. Uma umboleki enekhadi lakho, ulahlekelwe ukulawula inkululeko yakho yezezimali.
• Izinga Lenzalo lika-50%: Sibona imibiko yabantu ababolekisayo abakhokhisa i-R50 yenzalo kuwo wonke ama-R100 abolekiwe. Uma uboleka i-R500 yesidlo sikaKhisimusi, ukhokha i-R750 ngoJanuwari. Ngesibonelelo se-R370 (SRD) noma i-R2,180 (Old Age), lezi zibalo azisebenzi neze.

Umbono: Ukwehluleka kukahulumeni ukuqeda lezi ‘zindawo zomashonisa’ eduze kwezindawo zokukhokha kungukwehluleka okukhulu. Kuze kube yilapho ukugcizelela kuthuthuka, uwena kuphela olawula ukuphepha kwakho. Ungalokothi, ungalokothi unikeze ikhadi lakho.

Amakhadi Esikweletu Ezitolo: Umbulali Ocebileyo Wenzuzo Yabahlomuli

Ngena kunoma yisiphi isitolo esikhulu sezingubo kulo Zibandlela, futhi uzobhajiswa ngeminikelo ethi “Vula i-Akhawunti” futhi uthole i-R1,000 ishibhile ekuthengeni kwakho kokuqala. Kuzwakala njengokusiza, kodwa kumhlomuli we-SASSA, kuyigibe.

Nasi isizathu esenza ukuthi ukuvula i-akhawunti yesitolo ngoZibandlela 2025 kube inhlekelele yezezimali kubanikazi besibonelelo:

1. Umshwalense Ocashile: Amakhadi amaningi esitolo afaka ngokuzenzakalelayo izimali “zomshwalense wempilo wesikweletu” kanye “nokuvikela ikhadi elilahlekile.” Kubhalansi encane, lezi zimali zingadla u-20% wenkokhelo yakho yanyanga zonke.
2. Ukwezuka Kwezintshisekelo: Amakhadi esitolo avame ukuthwala izinga eliphezulu lenzalo elivunyelwe umthetho. Lawo mapheya ezicathulo omzukulu agcina ebiza kabili emva kwezinyanga ezingu-12.
3. Ingozi Yokubekwa oHlwinini Olumnyama: Shiya inkokhelo eyodwa ku-“Januwari onzima” ngoba izimali zesikole bezifanele, futhi irekhodi lakho lesikweletu lonakala iminyaka.

Isu: Uma ungakwazi ukukuthenga ngemali esesandleni esiyisibonelelo salenyanga, ungakuthengi. Injabulo yesikhashana yengubo entsha ayifanele ukucindezeleka konyaka wonke kwezingcingo zabaqoqi bezikweletu.

Ukudonswa Kwemali Yomshwalense Womngcwabo: Hlola Irisidi Yakho Ngokushesha!

Umkhuba ophazamisayo oqhubekayo ngasekupheleni kuka-2025 ukudonswa okungagunyaziwe kwezimali zomshwalense womngcwabo. Abahlomuli bakhipha imali yabo bese bethola ukuthi ishoda ngo-R100 noma u-R200. Kungani? Ngoba izinkampani zomshwalense ezigunyaziwe—nabanye abakhohlisi—bengeza izinqubomgomo ezibonelelweni ngaphandle kwemvume ecacile, ngokuvamile ngocingo oludidayo.

Isinyathelo Okufanele Usithathe: Uma ukhipha imali yakho kulo Zibandlela, cela irisidi noma hlola ibhalansi yakho nge-USSD (1203210# noma 12069277# kuye ngebhange lakho). Uma ubona ukudonswa ongangakuboni:

1. Hambela ihhovisi le-SASSA eliseduze ngokushesha ukuze ulenze ingabaza.
2. Cela ‘Ifomu Lokungabaza’ ukuze umise ukudonswa.

Ungabavumeli ukuba banciphise imali yakho encane ngamaholidi.

Impi Yamabhange 2025: I-Postbank vs. Amabhange Azimele

Impi yamakhasimende e-SASSA isishisa ngo-2025. Ngezinkinga zobuchwepheshe eziqhubekayo e-Postbank ngezikhathi ezithile ezishiya abahlomuli bevaleleke kuma-ATM, abaningi bayabuza: Ngabe kufanele ngishintshele ebhange elizimele?

Ake sihlaziye izinketho zikaZibandlela 2025:

• I-Postbank / Ikhadi Legolide:
  • Okuhle: Azikho izimali ze-akhawunti zanyanga zonke, ukuqoshwa kwamahhala oku-3 kubathengisi.
  • Okubi: Izinkinga zokuthembeka kwesistimu, amagatsha abekwe ngaphakathi kwama-Post Offices avame ukugcwala.
• I-Capitec / I-TymeBank / I-Shoprite Money Market:
  • Okuhle: Izinhlelo zokusebenza ezithembekile (apps), isevisi yamakhasimende engcono, kufinyeleleka kabanzi.
  • Okubi: Ukhokha izimali zokuqoshwa (ngokuvamile ziphansi, kodwa ziyanda).

Isinqumo Sethu: Uma ungumuntu onolwazi lwezobuchwepheshe futhi ukhathele ukuma emigqeni, ukushintsha indlela yakho yokukhokha yesibonelelo iye ku-akhawunti yebhange ledijithali elishibhile (njenge-TymeBank noma i-Capitec) kunikeza isithunzi nokulawula okwengeziwe. Ungaphatha imali yakho efonini yakho futhi ugweme isimo esiyingozi nomgwaqo ‘wokukhokha kwempesheni.’

Ukuze ushintshe, akudingeki uhambele i-SASSA. Ungashintsha imininingwane yakho yasebhange ku-inthanethi uma ungumhlomuli we-SRD.

Amasu Ahlakaniphile Emali kaZibandlela 2025

Akudingeki ucebe ukuze uphathe imali ngokuhlakanipha. Nansi indlela abahlomuli abahlakaniphile abelula ngayo amaRandi abo kule nkathi yamaholidi:

1. Amaqembu Okuthenga Ngobuningi (Bulk Buying Clubs): Imiphakathi ihlanganisa izibonelelo zayo ukuze ithenge umbila, uwoyela, noshukela ngobuningi kubathengisi abakhulu (wholesalers). Lokhu konga u-20-30% uma kuqhathaniswa namanani esitolo esikhulu.
2. Gwema Izimali Ze-ATM: ukuqoshwa kwemali ku-ATM kungabiza u-R10-R20. Ukuswayipha ikhadi lakho etilini ngokuvamile kumahhala. Ukuqoshwa etilini (njenge-Checkers noma i-Pick n Pay) kushibhile kakhulu kune-ATM.
3. ‘Ibhokisi likaJanuwari’: Ngaphambi kokuthenga inyama kaKhisimusi, thenga umbila wakho kaJanuwari nezinto ezingabhubhi. Vikela ukusinda kwakho kukaJanuwari ngaphambi kokuba uxhashe umgubho wakho kaZibandlela.

Uma ungaqiniseki ukuthi imali yakho isilungile, hlola isimo se-SRD ngaphambi kokuhambela indawo yokukhokha ukuze wonge imali yokuhamba.

Okufanele Ukwenze Uma Usuvele Unesikweletu

Uma ufunda lokhu futhi usuvele uzizwa ubanjwe izikweletu:

• Yeka Ukuboleka Ukuze Ukhokhe Isikweletu: Leli yigodi ongeke ukwazi ukuphuma kulo.
• Bika Omashonisa Abangekho Emthethweni: Uma umboleki ethatha i-ID yakho noma ikhadi le-SASSA, babike emaphoyiseni naku-National Credit Regulator (0860 627 627). Kuyicala lobugebengu.
• Vikela Imali Yakho Engenayo: Uma ama-debit order angagunyaziwe edla isibonelelo sakho, khuluma nebhange lakho mayelana nokubeka “i-Stop Payment” kulabo banombolo abathile be-reference.

Khumbula, isibonelelo senzelwe ukusinda kwakho, hhayi ukwenza ushark wezikweletu abe mcebo.

FAQs

Ngabe i-SASSA ikhipha imali mboleko ngoZibandlela 2025?

Cha. I-SASSA yinhlangano kahulumeni ehlinzeka ngezibonelelo zomphakathi, hhayi umhlinzeki wezinsizakalo zezezimali. Abakhiphi imali mboleko, izimali zangaphambili, noma isikweletu. Noma yisiphi isikhangiso esithi sinikeza ‘i-SASSA Loan’ kungenzeka sibe umboleki ozimele noma umkhonyovu.

Ngabe umboleki wemali angaligcina ngokusemthethweni ikhadi lami le-SASSA?

Cha. Ngaphansi kwe-National Credit Act, akukho emthethweni ukuthi umboleki agcine umqulu wakho we-ID, ikhadi le-SASSA, noma ikhadi lasebhange njengesibambiso semali mboleko. Uma benekhadi lakho, kufanele ubabike ku-SAPS ngokushesha.

Ngingakuvimba kanjani ukudonswa kwezimali zomshwalense womngcwabo esibonelelweni sami se-SASSA?

Kufanele ubike ukudonswa okungagunyaziwe ku-SASSA. Hambela ihhovisi le-SASSA lendawo ukuze ugcwalise ifomu lokungabaza. Ungaphinda uxhumane nomshwalense ngokuqondile uma wazi ukuthi ubani, kodwa ukubika ku-SASSA kuqinisekisa ukuthi baphenya ukusemthethweni kokudonswa.

Iyiphi ibhange elingcono kakhulu lezibonelelo ze-SASSA ngo-2025?

Ayikho ibhange elilodwa ’elingcono kakhulu’, kodwa ama-akhawunti edijithali ashibhile njenge-TymeBank, i-Capitec, noma i-Shoprite Money Market ayingxenye yezinye izindlela ezidumile ze-Postbank Gold Card ngenxa yokuthembeka okungcono nezinhlelo zokusebenza. Kodwa-ke, qiniseka ukuthi uyaqonda izimali zokuqoshwa ngaphambi kokushintsha.

Ngingakwazi ukuthenga ukudla ngekhadi lami le-SASSA?

Ikhadi le-SASSA lisebenza njengekhadi le-debit. Ungasebenzisa kuphela imali esekhona ku-akhawunti. Kodwa-ke, abanye abathengisi bangase bakukhuthaze ukuthi uvule i-akhawunti yesikweletu esitolo esisekelwe emalini yakho yesibonelelo—lokhu kuyingozi futhi kungaholela esikweletini esikhulu.

Kwenzekani uma ngingayikhiphi imali yami yesibonelelo sikaZibandlela ngokushesha?

Imali yakho ihlala iphephile ku-akhawunti yakho. Akudingeki uyikhiphe yonke ngosuku lokuqala. Ukuyishiya ku-akhawunti ngokuvamile kuphephe kakhulu kunokuphatha inani elikhulu lemali.

Kungani imali yami yesibonelelo ingaphansi kwalokho obekulindelekile kule nyanga?

Uma isibonelelo sakho sishoda, hlola ama-debit order angagunyaziwe (umshwalense noma i-airtime) noma izimali zasebhange. Uma usanda kushintsha amabhange, hlola ukuthi ibhange elisha linezimali eziphakeme yini. Ungacela i-statement ebhange lakho ukuze ubone ukuthi imali iye kuphi ngqo.

Ngingayishintsha kanjani imininingwane yami yasebhange ye-SRD R370?

Ungashintsha imininingwane yakho yasebhange kuwebhusayithi ye-SRD (srd.sassa.gov.za). Skrola uye phansi ku-‘How do I change my banking details’, faka inombolo yakho ye-ID, bese ulandela isixhumanisi esithunyelwe ku-SMS yakho.