Ikhaya / Isibalo Sentela Ye-Bonus

Isibalo Sentela Ye-Bonus eNingizimu Afrika

INingizimu Afrika ayikhokhisi intela i-bonus ngezinga elimisiwe elikhethekile. Lesi sibalo samahhala se-Ntela Ye-Bonus eNingizimu Afrika singeza i-bonus yakho noma i-13th cheque emholweni wakho wonyaka bese sibala i-PAYE eyengeziwe kusetshenziswa amazinga afanayo i-SARS eyisebenzisa emalini yakho engenayo ejwayelekile. Faka umholo wakho wangenyanga ojwayelekile kanye ne-bonus yakho ngezansi ukuze ubone ngokunembile ukuthi kukhishwa malini futhi kusala malini empeleni ku-akhawunti yakho.

Kubhalwe: Ithimba Lokucwaninga le-MKR Dimension  |  Kubuyekezwe: Ithimba Lokuhlela le-SA Tax Guide  |  Imithombo: SARS, National Treasury, uMnyango Wezabasebenzi  |  Ubani ogcina i-SA Tax Guide?

Faka umholo wakho ne-bonus ukuze ubone umehluko wentela.

Lesi Sibalo Sentela Ye-Bonus eNingizimu Afrika Sisebenza Kanjani

Iningi labantu abafuna isibalo sentela ye-bonus ku-inthanethi bafuna inombolo eyodwa yeqiniso: kuzosala malini empeleni ku-akhawunti yami? Lesi sibalo sentela ye-bonus esisetshenziswa yizisebenzi eNingizimu Afrika ngaphambi kosuku lokuholiswa sifinyelela kuyona ngokubala kabili. Kuqala sibala i-PAYE yakho yonyaka ejwayelekile ngomholo wakho wangenyanga wodwa. Bese singeza i-bonus yakho kulowo mholo wonyaka bese sibala kabusha intela kunani elihlanganisiwe eliphakeme. Umehluko phakathi kwaleziya mibhalo womibili yintela eyengeziwe eholelwa i-bonus yakho, futhi lowo mehluko, uma ususwa ku-bonus yakho engahlangenwe, uwuyona i-bonus yakho osele nayo empeleni.

Le ndlela ifana nendlela i-SARS ngokwayo ephatha ngayo imali engenayo engajwayelekile. Njengesibalo somholo nesentela ye-bonus esikhundleni sokuqagela iphesenti elilula, sibala isigaba sakho sentela osesikhundleni, i-rebate yakho yobudala, kanye nonyaka wentela okhethiwe, ngakho inani olibonayo liseduze naleyo uhlelo lwakho lomholo lungakhipha empeleni.

Intela Ye-Bonus Ibalwa Kanjani eNingizimu Afrika?

I-SARS ayigcini ikhadi lezinga elahlukile lezibonus. Esikhundleni salokho, abaqashi basebenzisa okwaziwa ngokuthi indlela yokulinganisa yonyaka: i-bonus yakho, i-13th cheque noma inkokhelo yesikhuthazo engajwayelekile ithathwa njengenkokhelo yonyaka ekhokhelwa i-PAYE, ingezwe emholweni wakho wonyaka olindelekile, ibalwe ngamazinga afanayo entela eNingizimu Afrika asetshenziswa emholweni wakho wangenyanga. Ku-IRP5 yakho ekupheleni konyaka, uhlobo lwenkokhelo olunjalo luvamise ukubikwa ngaphansi kwekhodi ye-IRP5 3605, ehlukene nekhodi yomholo wakho ojwayelekile kodwa ebalwa ngaphansi kwaso sonke isethi yemithetho.

Njengoba intela ibalwa ngemali yakho yonyaka engenayo iphelele, inani langempela elikhishwa ku-bonus yakho lincike ngokuphelele endaweni umholo wakho okhona kade emazingeni entela eNingizimu Afrika ngalowo nyaka. Izisebenzi ezimbili ezithola i-bonus efanayo zingase zibone ukukhishwa okwahlukene kakhulu, ngenxa yokuthi eyodwa isivele isondele esigabeni esilandelayo sentela kanti eyinye ayikho.

Izinga Lentela Ye-Bonus: Kungani Lizwakala Liphezulu Kangaka

Alikho izinga elilodwa elimisiwe lephesenti le-bonus. Okubukeka njengezinga elinzima lentela ye-bonus empeleni yizinga lakho lentela eliphakeme lenza umsebenzi walo. Njengoba i-bonus yengezwa phezu kwemali yakho engenayo ovele uyihole kulowo nyaka, iyona ngxenye yokugcina yemali yakho yonyaka engenayo ekhokhelwa intela, okusho ukuthi ivamise ukungena ngokuphelele esigabeni sakho esiphakeme sentela. I-bonus ingase iphushele ingxenye yemali yakho engenayo esigabeni esiphakeme, kodwa yingxenye eyengeziwe kuphela ekhokhelwa izinga eliphakeme. Umholo wakho okhona kade awukhokhelwa intela ngokubuyela emuva.

Yingakho futhi inani le-bonus engahlangenwe embikweni wakho noma ephepheni lomholo, kanye ne-bonus osele nayo empeleni engafinyelela ku-akhawunti yakho, zingase zibukeke zihluke kakhulu. Ukubala izinombolo kusetshenziswa isibalo esiqondile se-bonus ngemva kwentela, esikhundleni sokuqagela iphesenti elilula, iyona ndlela eqinisekile yokwazi inani langempela ngaphambili.

I-UIF, Intela Yabasebenzi Nokunye Okukhishwayo Ku-Bonus Yakho

I-PAYE akufanele ibe yodwa ongayicabangela. I-UIF ku-bonus inomkhawulo ofanayo owusetshenziselwa umnikelo wakho ojwayelekile, futhi njengoba lowo mkhawulo uphansi ngokuqhathaniswa, iningi labasebenzi bavele bakhokha isamba esiphelele se-UIF sangenyanga ngokusekelwe emholweni wabo obizwa nje, ngakho i-bonus ivamise ukungakhishi i-UIF eyengeziwe noma ukhishwe kancane. Ungaqinisekisa inani lakho siqu nge isibalo se-UIF.

Ndawonye, i-PAYE ne-UIF zakha ingxenye enkulu yokukhishwa kwentela yabasebenzi eNingizimu Afrika ohlelo lomholo oluyikhipha kunoma iyiphi inkokhelo ye-bonus, ngale kokukhishwa kwemholo wakho ojwayelekile wangenyanga. Uma ufuna ukubona umehluko wakho we-PAYE wangenyanga ojwayelekile nawo, isibalo sethu se-PAYE sithatha leyo hlangothi yemali yakho engenayo ekhokhelwa intela, futhi ikhasi lethu lamathebula entela e-SARS libeka amathebula entela yonyaka nawenyanga aphelele emva kokubala nganoma yikuphi kuleli khasi.

Ungayehlisa Yini Intela Ku-Bonus?

Ayikho indlela yokwenza i-bonus ingakhokhelwa intela ngokuphelele, kodwa kukhona izindlela ezisemthethweni zokwehlisa ingxenye ekhokhelwa intela. Ukunikela ingxenye ye-bonus, inkokhelo yesikhuthazo noma i-bonus enkulu ku-retirement annuity kunciphisa imali yakho engenayo ekhokhelwa intela yonyaka, njengoba iminikelo ye-RA ikhokhelwa intela encishisiwe kuya kumkhawulo wephesenti womholo omisiwe i-SARS. Lesi sibalo asikubali iminikelo ye-RA noma okunye okukhishwayo. Sakhelwe ukubonisa umphumela wejwayelekile we-PAYE, ngakho khuluma nomeluleki wentela obhalisiwe uma ufuna ukuhlela ngokuqondene neminikelo yempesheni, ama-medical aid credit noma izinye izabelo ezihambisana nesimo sakho.

Iseluleko: njengoba intela ye-bonus incike emalini yakho yonyaka ephelele engenayo, ukubala izinombolo ezifanayo Isibalo Sethu Se-PAYE kuqala kungakusiza ubone ukuthi i-bonus ihambisana kanjani nonyaka wakho wentela wonke ngaphambi kokuzibophezela ku-retirement annuity.

Ukubala I-13th Cheque Yakho Ngemva Kwentela

Isibalo se-13th cheque sisebenza ngendlela efanayo nanoma iyiphi isibalo senkokhelo ye-bonus. Yengeza i-13th cheque yakho emholweni wakho wonyaka ojwayelekile. Bala intela kulelo nani eliphezulu elisha. Susa intela obungayikhokha ngaphandle kwayo. Umehluko yiyo intela eyengeziwe esuswa ku-13th cheque yakho. Sebenzisa isibalo se-bonus engenhla bese ufaka inani lakho le-13th cheque endaweni ye-bonus ukuthola umphumela ngokushesha.

Imibuzo Ejwayelekile Ngentela Ye-Bonus

Intela ye-bonus ibalwa kanjani eNingizimu Afrika?

I-SARS yengeza i-bonus yakho emholweni wakho wonyaka ukuthola inani elilinganisiwe, ibale intela kulelo nani elihlanganisiwe kusetshenziswa amazinga ajwayelekile aqhubekayo, bese isusa intela obungayikhokha ngomholo wodwa. Isibonelo, kumholo we R25,000.00 kanye ne-bonus ye R25,000.00, cishe u-R6,500.00 we-bonus uya entelweni eyengeziwe, izinga elisebenzayo elicishe libe u-26% ku-bonus uqobo.

Ingabe i-bonus ikhokhelwa intela eNingizimu Afrika?

Yebo. I-bonus, i-13th cheque noma inkokhelo yesikhuthazo iyimali engenayo ekhokhelwa intela ngokugcwele. I-SARS iyibeka njengenkokhelo yonyaka ekhokhelwa i-PAYE, ivamise ukubikwa ngaphansi kwekhodi ye-IRP5 3605, ibalwe ngamazinga afanayo nomholo wakho ojwayelekile esikhundleni sezinga elihlukile.

Kungani i-bonus yami ikhokhelwa intela engaka?

Ngoba i-bonus yengezwa phezu komholo wakho okhona kade, ivamise ukungena ngokuphelele esigabeni sakho esiphakeme sentela, ngakho izinga kuleyo ngxenye ethize libukeka liphakeme kakhulu kunezinga lakho eliphelele lentela elisebenzayo.

Ingabe i-bonus inyusa isigaba sami sentela?

Ingase iphushele ingxenye yemali yakho engenayo esigabeni esiphakeme kuleyo ngxenye kuphela. Ayinyusi ngokubuyela emuva izinga elisetshenziswa emholweni wakho ojwayelekile wangenyanga. Imali engaphezu kombiko ngasinye kuphela ekhokhelwa izinga eliphakeme.

Ngingayehlisa kanjani intela ku-bonus yami?

Ukunikela ingxenye ye-bonus ku-retirement annuity kungehlisa inani elikhokhelwa intela, njengoba iminikelo ye-RA ikhokhelwa intela encishisiwe kuya kumkhawulo othile. Lesi sibalo asikubali okunikelayo kwe-RA, ngakho khuluma nomeluleki wentela obhalisiwe uthole iseluleko esifanele isimo sakho.

Ingabe i-13th cheque ikhokhelwa intela ngendlela efanayo ne-bonus yokusebenza kahle?

Yebo. Kungakhathaliseki ukuthi ibizwa ngokuthi i-13th cheque, i-bonus yokusebenza kahle, noma inkokhelo yesikhuthazo, i-SARS iphatha noma iyiphi inkokhelo eyenzeka kanye noma engajwayelekile ngendlela efanayo: yengezwa emalini engenayo yonyaka futhi ikhokhelwa ngamazinga ajwayelekile.

Isibalo sentela ye-bonus sisebenza kanjani?

Isibalo sentela ye-bonus eNingizimu Afrika esithembekile sibala intela yakho yonyaka kabili, kanye ne-bonus efakiwe futhi kanye ngaphandle kwayo, bese sikubonisa umehluko. Lowo mehluko iyo impela i-PAYE eyengeziwe eholelwa i-bonus yakho, okuyona kanye indlela lesi sithuluzi esikuleli khasi esibala ngayo umphumela wakho.

Izibalo Nemihlahlandlela Ehlobene