Ugibe Lwesibonelelo se-SASSA R350: Indlela 'Yemali-Mboleko Elula' Ekudlela Ama-R2,000+ ngo-2026

NgoJanuwari 2026, izinkulungwane zabahlomuli be-SASSA zilahlekelwa yingxenye enkulu yesibonelelo sabo ngenxa yemali-mboleko eyisimila, amakhadi esitolo, kanye nezinhlelo zomngcwabo ezibizayo. Lolu cwaningo luveza izindleko ezifihliwe, amalungelo akho, kanye nendlela yokwenza isibonelelo sakho se-R350 sibe ithuluzi lenkululeko yezezimali, hhayi ugibe lwesikweletu.

Iqiniso Elibuhlungu: Isibonelelo Sakho se-R350 Siyashuthwa ngo-2026

Masikhulume iqiniso elibuhlungu. Umzuzu isibonelelo sakho se-SASSA sifika ku-akhawunti yakho, kuqala impi yokusithatha. Ezigidini zabantu baseNingizimu Afrika abancike Esibonelelweni Sosizo Olukhulu Olubizwa nge-SRD R350, le mali encane iyinsika yempilo. Kodwa ezikhungweni zezezimali eziningi kanye nabanikazi bemali-mboleko abangaqondile (mashonisa), le mali iwumthombo oqinisekisiwe wemali abangawudonsa. NgoJanuwari 2026, lesi simo sinzima kakhulu kunakuqala. Izinkampani aziboni isibonelelo sakho njengosizo, kodwa njengomthombo othembekile wokukhokhela imali-mboleko enenzalo ephezulu, izinhlelo zomngcwabo ezibizayo, namakhadi esitolo ahlalisa isilingo. Lokhu akuyona nje ibhizinisi; iwuhlelo oluvusa ugibe lokusenga abantu abasengozini babe sezikweletini, luguqule usizo lube umthwalo wezezimali.

Kungani Abahlomuli be-SASSA Bengabantu Abahlosiwe Kakhulu Abanikazi Bemali-Mboleko

Kungani kugxilwe kakhulu kubahlomuli besibonelelo? Kuyinto elula: Ukwethenjwa Kwemali. Isibonelelo se-SASSA singesinye sezinhlobo zemali engenayo ezizinzile kakhulu ezweni. Abanikazi bemali-mboleko bayazi ukuthi ngosuku oluthile njalo ngenyanga, imali izotholakala. Ungalubheka ngokwakho uhlelo lwosuku lokukhokha lwe-SASSA luka-2026; yikhalenda eliqinisekisiwe abalithandayo abanikazi bezikweletu.

Lokhu kuthembeka kukwenza ube ikhasimende ’elinesilinganiso esiphansi sobungozi’ sesikweletu esithile, noma ngabe awunayo enye imali engenayo esemthethweni. Bayazi ukuthi bangayibamba i-debit order ezodonsa imali ngokushesha uma isibonelelo sakho sikhokhelwa, bathathe ingxenye yabo ngisho ungakatholi ithuba lokuthenga igrosa. Lolu hlelo lusebenzisa ukuphelelwa ithemba, lunikeze imali esheshayo yezidingo eziphuthumayo ngenkathi kufihliwe izindleko zesikhathi eside ezingalimaza izimali zakho izinyanga, noma iminyaka.

Izinsongo Ezintathu: Ukuhlola Izicupho Ezijwayelekile Zesibonelelo

Imikhiqizo emithathu iyimakethwa njalo kubahlomuli be-SASSA, ngayinye inezingozi zayo. Ukuyiqonda kuyisinyathelo sokuqala sokuvikela imali yakho.

1. Imali-Mboleko Yosuku Lokukhokha kanye Ne-Micro-Loans ‘Yokuthola Kalula’

Lezi yizona ezidume kabi. Zivame ukukhangiswa ngezinxephezelo zokuthi ‘ukuvunyelwa ngokushesha’ kanye ’nokungahlolwa komlando wesikweletu’, zinikeza amanani amancane emali (isib. R500) okufanele akhokhwe ngosuku lwakho olulandelayo lokukhokhelwa kwesibonelelo. Ugibe? Inzalo nemali ekhokhwayo ephezulu ngokweqile. I-National Credit Act (NCA) ikhawulela inzalo, kodwa abanikazi bemali-mboleko abaningi, ikakhulukazi omashonisa abangaqondile, basebenza ngaphandle kwale mithetho. Imali-mboleko elula engu-R500 ingaholela kalula ekubeni kufuneke kubuyiswe u-R700 noma u-R800 kungakapheli inyanga, okuyisikhwama esibuhlungu sebhajethi ka-R350.

2. Isilingo Samakhadi Esitolo

Abathengisi abakhulu banikeza amakhadi esitolo abonakala njengendlela enhle yokuthenga izingubo, izinto zikagesi, noma igrosa ngenkweletu. Nakuba engaba usizo uma elawulwa ngokuphelele, angaba yingozi enkulu. Amazinga enzalo avame ukuba phezulu (20% noma ngaphezulu), kanti izinkokhelo ezincane zenzelwe ukukugcina esikweletini isikhathi eside ngangokunokwenzeka. Ukuthenga okungu-R1,000 ngekhadi lesitolo kungaholela ekubeni kukudle ngaphezu kuka-R2,000 ekugcineni uma ukhokha kuphela izinkokhelo ezincane, kanti i-debit order yanyanga zonke izoqeda isibonelelo sakho.

3. Izinhlelo Zomngcwabo Ezibiza Kakhulu

Ukuthola umngcwabo onesizotha kuyisidingo samasiko esijulile, futhi abahlomuli bezomshuwalense bayakwazi lokhu. Ngeshwa, izinhlelo eziningi ezithengiswa kubahlomuli besibonelelo zibiza kakhulu noma zigcwele izigaba ezididayo ezingaholela ekubeni isicelo sokukhokhelwa senqatshelwe. Ungahle ukhokhe u-R100-R150 ngenyanga esibonelelweni sakho ngenkambiso ebonisa ukukhokhelwa okuncane noma enesikhathi sokulinda seminyaka emithathu sokufa ngokwemvelo. Lokho kucishe kube ingxenye yesibonelelo sakho esihambile kumkhiqizo okungenzeka ungahlinzeki ngisho nomndeni wakho uwudinga.

Izibalo Zogibe: Indlela i-R350 Eba Ukulahlekelwa Okungama-R2,000+ Ngonyaka

Ake sihlaziye isimo esivamile somhlomuli we-SASSA ngo-2026.

Isibonelelo Sokuqala: +R350
Isimo: Kuvela isimo esiphuthumayo. Udinga u-R500 wemithi.
‘Isisombululo’: Uthatha imali-mboleko encane engu-R500, uvumelana nokukhokha u-R700 ngenyanga ezayo. Futhi une-debit order yanyanga zonke engu-R120 yenqubomgomo yomngcwabo.

Ngosuku Lwakho Olulandelayo Lokukhokha:

Isibonelelo sakho se-R350 sifika.
I-debit order engu-R700 yemali-mboleko iyilindile. Njengoba unama-R350 kuphela, iyahluleka, kodwa umuntu okubolekisayo angase azame ukuthatha u-R350 ogcwele.
I-debit order yakho yenqubomgomo yomngcwabo engu-R120 iyadonsa.

Ake sithi umuntu okubolekisayo uyavuma ukuthatha u-R230 bese egudluza okusele. Usala nama-R0 esibonelelweni sakho. Umjikelezo wokuboleka uyaqhubeka. Uma unekhadi lesitolo elilodwa elinenkokhelo yanyanga zonke engu-R100 nenqubomgomo yomngcwabo engu-R120, u-R220 usuhambile ngokushesha. Lokho kungu-62% wesibonelelo sakho esinyamalala ungakayiboni.

Izindleko Zonyaka: Inqubomgomo yomngcwabo yanyanga zonke engu-R120 ikudlela u-R1,440 ngonyaka. Isikweletu esincane, esiqhubekayo ekhadini lesitolo singakudlela kalula u-R600-R800 wenzalo ngonyaka. Uma kuhlanganiswa, lokhu kudonswa ‘okuncane’ kungadlula kalula u-R2,000 ngonyaka – okulingana nezibonelelo eziphelele ze-SRD ezicishe zibe yisithupha, ezilahleke ngokuphelele.

Yazi Amalungelo Akho: Izimpawu Zesixwayiso Zomuntu Okubolekisa Imali Eyisimila

Umthetho unikeza ukuvikelwa okuthile. I-National Credit Act (NCA) ikhona ukuze iqinisekise ukuthi ukubolekisa kunobulungiswa. Nazi izimpawu zokuxwayisa okufanele uzibheke ngo-2026:

Bafuna incwadi yakho kamazisi, ipasipoti, noma ikhadi le-SASSA: Lokhu akukho emthethweni. Umuntu obolekisayo akakwazi ukuthatha amaphepha akho omuntu njengesibambiso.
Baphoqa ukuba usayine amafomu angenalutho: Ungalokothi usayine inkontileka engaphelele. Zonke izindleko, imigomo, kanye nenani lokukhokha kufanele kugcwaliswe.
Ukungabi namaphepha acacile: Umhlinzeki wesikweletu osemthethweni kufanele akunikeze isilinganiso sangaphambi kwesivumelwano kanye nenkontileka yokugcina echaza zonke izindleko, kuhlanganise nezinga lenzalo (njengephesenti) kanye nenani eliphelele ozolikhokha.
Amaqhinga okucindezela kakhulu: Uma bekuphuthumisa noma bethi ‘sayina manje noma isithembiso sihambile,’ hamba.
Ukwenqaba ukuveza izimali: Kufanele bacace ngemali yokuqala, imali yesevisi, nanoma yiziphi ezinye izimali.

Ezinye Izindlela Ezingcono Neziphephile Esikhundleni Sesikweletu Esibizayo

Ukukhululeka ogibeni lwesikweletu kudinga ukuthola izindlela ezingcono zokuphatha ukwethuka kwezezimali nokwakha ingcebo, ngisho nangemali engenayo encane.

Qala i-Stokvel: Ukuhlanganisa imali neqembu labantu elithembekile kuyindlela yesintu yaseNingizimu Afrika enamandla yokonga. Inikeza ukufinyelela enanini lemali elikhulu lezimo eziphuthumayo ngaphandle kwenzalo.
Vula I-Akhawunti Yasebhange Engabizi Kakhulu: Suka kuma-akhawunti anezimali zanyanga zonke eziphezulu. Amanye amabhange anikeza ama-akhawunti okukhokha-njengoba-wenza noma ama-akhawunti anezimali zanyanga zonke eziyisishiyagalolunye ezifanele abahlomuli besibonelelo.
Yakha Isikhwama Esincane Sezimo Eziphuthumayo: Ngisho nokonga u-R20-R30 ngenyanga esibonelelweni sakho kungenza umehluko. Ngemuva kwezinyanga ezimbalwa, uzoba nesikhwama esincane sezimo eziphuthumayo, esinciphisa isidingo semali-mboleko. Kuyigcine esikhwameni sokonga esihlukile uma ibhange lakho linikeza lokho.
Ukusekela Komphakathi Nomndeni: Ngaphambi kokuphendukela kumuntu obolekisayo, hlola ukwesekwa okuvela emphakathini wakho, esontweni, noma emndenini. Nakuba kungalokothi kwenzeke njalo, kuyindlela engenanzalo.
Funa Ukwelulekwa Kwezezimali: Izinhlangano ezifana ne-National Debt Mediation Association (NDMA) zinikeza iseluleko samahhala kubathengi abanesikweletu esiningi.

Indlela Yokukhansela Ama-Debit Orders Ongawafuni Esibonelelwe Sakho se-SASSA

Unelungelo lokulawula ukuthi ubani othatha imali ku-akhawunti yakho. Uma une-debit order yesevisi ongasayifuni noma ongeke ukwazi ukuyikhokhela, ungenza okuthile.

Xhumana Nenkampani Ngqo: Isinyathelo sokuqala ukushayela inkampani (isib., umhlinzeki womshuwalense) bese ulandela inqubo yabo yokukhansela. Thola inombolo yesithenjwa (reference number).
Yiya Ebhange Lakho: Vakashela igatsha lebhange lakho ngomazisi wakho. Ungakhipha i-oda lokumisa inkokhelo ku-debit order ethile. Kungase kube nemali encane yale sevisi.
Phikisa I-Debit Order: Uma ungayiboni i-debit order noma ukholelwa ukuthi ingumkhonyovu, ungayiphikisa ebhange lakho. Bangaphenya futhi babuyisele imali.

Kubalulekile ukwenza ngokushesha. Ungavumeli ukudonswa okungagunyaziwe noma okungafunwa kuqede isibonelelo sakho inyanga nenyanga. Uma ulwa, ukuhlola isimo sesicelo sakho sesibonelelo nakho kuyisinyathelo sokuqala esihle sokuqinisekisa ukuthi konke kuhle. Ungenza i-SRD R350 Status Check online.

Indima Kahulumeni: Ingabe Kwenziwa Okwanele Ukuvikela Abahlomuli?

Lona ngumbuzo obalulekile ka-2026. Nakuba umsebenzi we-SASSA kungukusabalalisa izibonelelo, kukhona impikiswano eqinile yokuthi kudingeka kwenziwe okwengeziwe ukuvikela imali ekuthathweni ngokushesha abantu besithathu. Imikhankaso yokuqonda izimali, ukuphoqelelwa okuqinile kwe-NCA kubantu ababolekisa imali eyisimila abahlosisa abahlomuli, kanye nokubambisana namabhange ukuze kunikezwe ama-akhawunti ‘angcono kubahlomuli’ kungenza umehluko omkhulu.

Uhlelo alukwazi ukumane luhlabe ukukhokha; kufanele luqondiswe futhi ekuqinisekiseni ukuthi isibonelelo siyawufeza inhloso yaso yokunciphisa ukucindezeleka. Kuze kube yileso sikhathi, umthwalo wokuba uqaphe futhi unolwazi uwela kakhulu phezu kwakho, mhlomuli.

Uhlelo Lwakho Lokusebenza LukaJanuwari 2026: Thatha Ukulawula Futhi

Uzwela ukucindezelwa? Nazi izinyathelo ezintathu eziqondile ongazithatha namuhla:

Thola I-Statement Yasebhange Lakho: Yiya ebhange lakho noma usebenzise uhlelo lwabo lokusebenza ukuze uthole i-statement yezinyanga ezintathu ezedlule. Hlela i-debit order ngayinye. Zibuze: ‘Lokhu kungokwani? Ngisayidinga? Ingabe kufanelekile ngale mali?’
Shaya Ucingo Olulodwa: Khetha i-debit order eyodwa ofuna ukuyibuza noma uyikhansela. Shayela inkampani noma ibhange lakho namuhla ukuze uqale inqubo.
Qala I-Jar Yokonga Ka-R20: Ngempela. Thatha i-jar bese ufaka u-R20 kuyo esibonelelweni sakho esilandelayo. Lokhu kuyisiqalo sesikhwama sakho sezimo eziphuthumayo kanye nesinyathelo esinamandla sengqondo sokuthatha ukulawula kwezezimali.

Isiphetho: I-R350 Yakho Ingamandla, Ungayeki Ihambe

Isibonelelo se-R350 akuyona nje imali; yithuluzi. Kungaba ithuluzi lokusinda, isisekelo, noma, uma ilawulwa kabi, isixhumanisi eketangeni lesikweletu. Imboni yezinsizakalo zezezimali yakhe uhlelo olwenza kube lula ukulahlekelwa yilawo mandla. Kodwa ngokuqonda izicupho, ukwazi amalungelo akho, nokwamukela ezinye izindlela ezingcono, ungaguqula i-R350 isuke ekubeni yinto ehlosiwe abanikazi bezikweletu iye esisekelweni senhlalakahle yakho yezezimali ngo-2026 nangaphezulu. Ukukhetha, namandla, kugcina kuwe.

FAQs

Ingabe inkampani yemali-mboleko ingathatha ikhadi lami le-SASSA libe yisibambiso ngo-2026?

Cha, akukho emthethweni neze. Akukho emthethweni ukuba noma yimuphi umuntu obolekisayo athathe ikhadi lakho le-SASSA, incwadi kamazisi, noma ipasipoti njengesibambiso semali-mboleko. Lokhu kuyisixwayiso esikhulu somuntu obolekisa imali ngendlela eyisimila futhi okungenzeka ukuthi akabhalisile. Bika noma yimuphi umuntu noma inkampani efuna lokhu ngokushesha.

Ngingahlola kanjani ama-debit order akhona ku-akhawunti yami ye-SASSA?

Indlela engcono kakhulu ukuthola i-statement yasebhange. Ungavakashela igatsha lebhange lakho bese ucela ukuphrintwa, usebenzise i-ATM ukuze uphrinte i-mini-statement (ebonisa ukuthengiselana kwakamuva), noma usebenzise uhlelo lokusebenza lweselula lwebhange lakho noma iwebhusayithi ukuze ubuke umlando wakho wokuthengiselana.

Singakanani isilinganiso esiphezulu senzalo yemali-mboleko encane eNingizimu Afrika?

I-National Credit Act (NCA) ilawula amazinga enzalo. Emalini-mboleko yesikhathi esifushane (njengemali-mboleko yosuku lokukhokha), inani eliphezulu lingu-5% ngenyanga yemali-mboleko yokuqala ngonyaka futhi kube u-3% ngenyanga wemali-mboleko elandelayo ngalowo nyaka. Hlola njalo ukuthi izinga olikhokhiswayo liyahambisana yini nomthetho.

Ingabe Kuhle Ukuba Nesikhwama Somngcwabo Esikhokhelwa Isibonelelo se-SASSA?

Kungenzeka, kodwa kufanele uqaphele kakhulu. Qhathanisa izinhlelo ezivela kubahlinzeki bomshuwalense abahlonishwayo. Bheka leyo ekunikeza ukukhokhelwa okuningi ngentengo ephansi yanyanga zonke. Qaphela izinhlelo ezithengiswa abantu abahamba indlu ngendlu abangenazo izitifiketi ezifanele. Buza mayelana nezikhathi zokulinda kanye nokukhishwa ngaphambi kokusayina noma yini.

Ngingathola imali-mboleko ku-SASSA ngqo?

Cha, i-SASSA ayinikezeli ngemali-mboleko yanoma yiluphi uhlobo. Noma iyiphi isevisi noma umuntu ofuna ukunikeza ‘imali-mboleko ye-SASSA’ ungumuntu obolekisayo wesithathu futhi akahlangene ne-SASSA. Kufanele uqaphe kakhulu lapho ubhekana nabo.

Yini okufanele ngiyenze uma ngiyisisulu somuntu obolekisa imali ngendlela eyisimila?

Uma ukholelwa ukuthi usebenziswe kabi, ungafaka isikhalazo ku-National Credit Regulator (NCR). Ungathola futhi iseluleko samahhala nosizo kubeluleki bezikweletu ababhalisiwe noma emitholampilo yezomthetho yomphakathi.

Ingabe amakhadi esitolo ayindlela ephephile yokwakha umlando wesikweletu?

Angaba yindlela ephephile, kodwa kuphela uma uzimisele kakhulu. Ukuze wakhe umlando wesikweletu omuhle, kufanele ukhokhe inani eligcwele lokuvala njalo ngenyanga ngaphandle kokuhluleka. Uma ukhokha kuphela izinkokhelo ezincane, uzokhokha okuningi ngenzalo futhi kungaholela ngokushesha ogibeni lwesikweletu, ikakhulukazi uma unemali engenayo elinganiselwe njengesibonelelo se-R350.

Ngingayishintsha indlela yokukhokha ye-SASSA ku-akhawunti yasebhange ehlukile?

Yebo. Uma i-akhawunti yakho yasebhange yamanje inezimali eziphezulu, ungavula i-akhawunti entsha, engabizi kakhulu bese ubuyekeza imininingwane yakho yasebhange ne-SASSA. Lokhu kungenziwa ku-inthanethi nge-website esemthethweni ye-SASSA SRD. Lokhu kuqinisekisa ukuthi isibonelelo sakho singena ku-akhawunti ekudlela kancane ukuyigcina.