Kwenzekani nge-akhawunti yakho yasebhange uma udlula emhlabeni?
Eziqeshini ezedlule siphakamise ukuthi indlela ehamba phambili yokuqinisekisa ukuthi izimpahla zakho zabiwa ngendlela obufuna ngayo ukuthi ubhale incwadi yamafa esemthethweni (Valid Will). Uma kwenzeka udlula emhlabeni ungenayo incwadi yamafa, izimpahla zakho zizohlukaniswa ngokwe-Intestate Succession Act. Lokhu kungaholela ekutheni izimpahla zakho zabiwe ngendlela engagculisi mhlambe kugcine kwabelwa nabantu obungafisi babe nesabelo emafeni akho.
Encwadini yakho yamafa uyakwazi ukuzikhethela nokunquma ukuthi ufuna kwenzekeni ngezimpahla zakho. Kumele uqoke futhi umuntu ozokwengamela (executor) uhlelo lokwabiwa kwamafa akho, kube nguye ozolandela imiyalelo yakho kusuka ekuqaleni kuze kube sesiphethweni.
Ukudlula komuntu emhlabeni kumele kubikwe kuMaster eNkantolo Ephakeme kanjalo nencwadi yamafa kamufi kumele lowo owengamele amafa ayidlulisele kuMaster. UMaster uyena ozobe esembeka ngokusemthethweni lowo oqokelwe ukwengamela amafa, uzokwenza lokho ngokumthumelela incwadi yokumbeka kanye nenombolo eyingqayizivele eqondene nezimpahla/ amafa lawa okumele abiwe. Le nombolo iyona esiyosetshenziswa kuzo zonke izindaba ezimayelana namafa kamufi uma kuxhunyanwa neHhovisi likaMaster.
Kwenzekani ngama-akhawuti akho asebhange?
I-Administration of Estates Act iyona enqumayo ukuthi wonke ama-akhawunti asebhange asegameni lalowo osedlulile emhlabeni kumele ame ukusebenza, yingakho kubalulekile kakhulu ukuthi wenze indlela yokuhlinzeka abathandiweyo bakho, ukuze bakwazi ukuba nemali okulula ukuthi bayithole bakwazi ukuyisebenzisa uma udlula emhlabeni. Ngokujwayelekile amaakhawunti ayamiswa ngaleso sikhathi kufika umbiko wokudlula komuntu emhlabeni; imali isuke isakwazi ukufakwa, kodwa kungavumelekile ukuthi kube khona ephumayo.
Uma esebekiwe ngokusemthethweni ozokwengamela amafa, kusuke sekumele avule i-akhawunti yasebhange entsha, ejwayele ukubizwa kanje “Estate Late Mr XYZ” ngokwemigomo ebekwe nguMthetho Olawula Amafa (Administration of Estates Act). Lokhu kwenziwa ngoba uma udlula emhlabeni usuke ushiye izimpahla zakho, ezisuke sezizophenduka amafa. I-akhawunti entsha yasebhange ivulwa yilowo owengamele amafa alowo osedlulile emhlabeni, zonke izimali zakhe zibe sezifakwa kuleyo akhawunti entsha yamafa.
Yonke imali engena kuleyo akhawunti isuke izoqashwa umengameli wamafa kuze kube uMaster uphasisa iLiquidation Account (okuyisitatimende sezimpahla zikamufi kanye nezikweletu zakhe), uma sekuqedwe uphenyo futhi kwatholakala ukuthi akekho osenesikhalo. Umengameli wamafa uzobe esekwazi ukuqhubekela phambili abe amafa, asonge wonke umsebenzi.
Ukwesekwa kwalowo oyigazi likamufi
Kuyenzeka kuthathe isikhathi esiphakathi kwamasonto amathathu kuya ezinyangeni ezintathu ukuthi uMaster abeke ngokusemthethweni umuntu ozokwengamela amafa. Njengoba uMthetho Wokwabiwa Kwamafa uyalela ukuthi kumiswe wonke ama-akhawunti omuntu uma sekuke kwezwakala igama lokuthi usedlulile emhlabeni, lokho kusho ukuthi izihlobo okanye abantu abancike kumufi ababe besakwazi ukuthola imali yakhe ngesikhathi kusalindwe uhlelo lokubekwa kwalowo ozokwengamela amafa akhe.
Ngakho-ke siyakhuthaza ukuthi ube nohlelo oluzokwazi ukusiza umndeni noma labo abancike kuwe ngesikhathi wena uqeda kudlula emhlabeni, ukuze bakwazi ukubhekelela izidingo eziphuthumayo. Kulapho-ke kugqama khona ukubaluleka komshwalense wempilo, ngoba wona imali yawo iyakwazi ukutholakala ngokushesha futhi iza ngqo kulabo ababhaliwe ukuthi iyoza kubo, lokho kuyokwenza isimo sibe ngcono ngesikhathi sokulinda uhlelo lweakhawunti yakwaMaster.
Eziqeshini ezilandelayo sizobheka izimpahla ezifana nendlu, imoto, amaUnit Trust, amasheya kanye namaakhawunti asebhange.
Uma unemibuzo ngokutshalwa kwezimali, sicela uxhumane neClient Service Centre yethu okanye iwealth manager yakho ku087 160 0018/7.
UMnumzane uNkomo uMqondisi noMsunguli we-Inkunzi Wealth Group. Utholakala ku: 011 047 6500, email: invest@iwgsa.co.za