Kubikuza amafaranga y'integakazoza mu bihe vya COVID-19

Ingaruka zivy'ubutunzi zatewe na COVID-19, zatumye abanye Australia bangana imiriyoni 3 ba bikuza amfaranga y'integakazoza. Woba ukeneye ayo wongereza canke utayakeneye abahinga bagira inama yuko ukwiye kumenya uko konte "account" yawe ihagaze.

Piggy bank

Source: Getty Images/Peter Dazeley

Bikuru bikuru

  • Abangana imiriyoni 3.1 bamaze kubikuza imbere y’igihe amafaranga ya kazoza bari baraziganije.
  • Abasuma kwiyongera mu gushaka kwiba amafaranga y’abantu baziganije kandi kenshi bagatumbera abatavuga icongereza
  • Abimukira bari kuri viza z’agateganyo barashobora kubikuza mu mwaka wivy’ubutunzi 2020/2021 mu gihe bakwije ibisabwa n’amategeko

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Kuva igihe ikiza corona gitangura, ubushomeri muri Australia bwarageze ku rugero rw’ibice 7.5 kw’ijana, ico kikaba kibaye igitigiri co hejuru cane kuva muri Munyonyo 1998. Ivyo bikaba vyashikirijwe n’ikigo kijejwe igwirirana ry’abantu muri Australia (Australian Bureau of Statistics).

Icegeranyo c’ishirahamwe rizwi nka Australia Prudential Regulation Authority cerekana yuko kuva muri Ndamukiza abanye Australia bangana imiriyoni 3.1 bamaze kwisabira kubikuza imbere y’igihe amafaranga ya kazoza bari baraziganije, ivyo vyose kugira bashobore kwisuganya muvy’ubutunzi.

Ishirahamwe services Australia riratanga amakuru kuvy’ubutunzi kandi k’ubuntu mu ntumbero yo gufasha abanyagihugu ngo bashobore gufata ingingo zijanye nivy’ubutunzi bazitahura neza.

Uwujejwe gutanga amakuru Justin Bott yamenyesheje yuko ukubikuza amafaranga uba wariziganirije vyemewe ku mu nyagihugu wese wa Australia n’abasanzwe bahaba vyemewe n’amategeko bazwi nkaba “permanent residents” bakwije ibisabwa n’amategeko harimo ukuba ata kazi ufise, wemerewe kandi wujuje ivyangombwa biguha uburenganzira bwo gutora agahembo gatangwa na reta,  canke warahagaritswe mu kazi kawe inyuma y’itariki 1 Nzero, canke ku bafise urudadanzwa, amasaha y’akazi canke umwimbu rusangi w’inyuma y’umwaka waragabanutse ibice 20 kw’ijana.

Ja ku rubuga rw'ishirahamwe rijejwe amatagisi (ATO), wuzuze ibisabwa kuri konte "account" yawe kugira ngo wironkere $10.000 bivuye muyo war'uziganije
Abasanzwe bari kuri visa z’igihe gito bahawe uburenganzira bwo bwo kubikuza ayo mafaranga yabo rimwe gusa kandi imbere y’ukwezi kwa Mukakaro, aho ni mu gihe abafise ubwenegihugu ba Australia co kimwe n’aba “permanent residents” bashobora kuyabikuza mu mice ibiri bagakuramo ayashika AUD 10.000 mu mwaka w’ubutunzi wa 2020/2021

Umushingwamanza mukuru Jen Lewis wo mw’ishirahamwe yibukije yuko uburyo bwari busanzweho n’imbere ya COVID-19 bwo kubikuza ayo mafaranga yo kwiziganyiriza n’ubu buraciho kuba “permanent residents kiretse kubasanzwe bakomoka mu gihugu ca Nouvelle Zeland baba bipfuza gusubira mu gihugu cabo ubutakigaruka.

Adelaide pedestrians
Adelaide pedestrians Source: AAP Image/Kelly Barnes


Imice itanduaknye yo kuronswa ayo mafaranga umuntu aba yariziganirije ishigwa mu ngiro ku bantu bari mu bibazo vy’amafaranga co kimwe n’abari hejuru y’imyaka 55 bari bamaze indwi zishika canke zirenga 39 bafashwa na Centrelink.

Abandi bantu bakeneye amafaranga kubw’ibikorwa vy’impuhwe vyihutirwa nko kwivuza canke kwunguruza umurwayi, guharanira yuko inzu yawe itagurishwa, kuriha ikiguzi kijanye n’ibikorwa vyo gupfuba uwitavye Imana canke mu gihe umuntu yitavye Imana, canke ibikorwa bijanye n’ukwivuza uburwayi budakira barashobora kubikuza ayo mafaranga yabo imbere y’igihe categekanijwe kugira ngo bafate akaruhuko kizabukuru.

Hisunzwe amategeko  yo kubikuza amafaranga wari wariziganirije yarasanzwe akurikizwa n’ikigo kijejwe amakori n’amatagisi  arico ATO n’uko umuntu yari yemerewe kubikuza ayatarenga $10.000. Ayarenze ayo bayarihisha itagisi ringana n’ibice 17 kw’ijana, hama ibice 22 kw’ijana k’umuntu wese ari mu ngorane z’amafaranga canke arengeje imyaka 60.

Aragira inama kuruwo wese yipfuza kubikuza amafaranga yo kwiziganyiriza, kugira ngo abashe gushishoza neza imbere yuko afata iyo ngingo.

Lewis yavuze yuko rimwe na rimwe ari vyiza kwiziganyiriza ivya kazoza kuko birafasha kenshi kuruta gusanga ata mafaranga ufise muri banki.

Amafaranga wiziganirije ya kazoza kawe usanga akingiwe mu buryo bw’uko adashobora gukorwako na banki, nko ku bantu usanga baheraniye amafaranga menshi usanga batazoshora kuriha.
Nkuko ishirahamwe “Association of Superannuation Funds of Australia (ASFA)” rivyerekana, rivuga yuko umuntu canke abubakanye bafise imyaka iri muri 65 bakeneye amafaranga binjiza ku mwaka $27,902 hamwe $40,380 kugira ngo bashobore kubaho ubuzima bugereranye mu gihe boba bahisemo gukukuruka uno musi.

Nubwo bimeze bityo ibitigiri vy’umwaka wa 2017 ushira 2018 vyashizwe ahabona n’ibiro bijejwe igwirirana ry’abantu (ABS) vyerekana yuko ikigereranyo c’amafaranga abakenyezi baziganya angana $45.000 aho ni mugihe abagabo bo ari $65.000


Mzee wakiume afanya usafi
Mzee wakiume afanya usafi Source: Getty Images


Dan Hewitt, n’umujenama muvy’ubutunzi mw’ishirahamwe rikorera muri Perth,  yavuze yuko abantu benshi badafise uburyo bukwiye buzoshobora kubafasha igihe bazoba bakukurutse. Ingingo yo kubikuza amafaranga yawe ubu, izogira ingaruka zidasanzwe ku mafaranga waziganije mu gihe uzoba ugeze mu myaka 60 irenga.

Nk’ubu ukuyemo $10.000, ku myaka 50, ivyo $10.000 birashobora kuba vyarongerekanye ugasanga vyabaye $25.000 canke $30.000. Ivyo vyos ni mu gihe ushize mu gaciro ikibazo c’umwanya no kuziganya kubwa kazoza.
Bott wewe amenyesha amakenga yiwe ko abo bose bashoboye kubikuza amafaranga menshi imbere y’akaruhuko ko muzabukuru, barashobora kutazoronka uturusho tumwe tumwe bahabwa n’amashirahamwe barimwo ya “assurances” mu bijanye no kwikingira impanuka.

Mu kubikuza $10.000 uyakuye muyo waziganije, ukugara ikonte yawe canke ukaba wayagabanije musi $6 000, muri make uba usezeye ayo waziganije ngo azoshobore kugufasha mu buzima bwawe ukukurutse.
Hewitt yavuze yuko yatangajwe no kubona yuko abimukira bari mu zabukuru bahurikiye mw’ishirahamwe ryiwe batashoboye kubikuza ayo mafaranga y’integabihe mu bihe vy’ikiza coronavirus.

Kubimukira bamaze igihe gito muri Australia, basanzwe bazi neza yuko bafise amafaranga make baziganije, rero ntibari bakwiye kuyabikuza kuko baracari mu kibanza co guhamvya abandi mu kuziganya.
Icegereganyo casohowe mu kinyamakuru ca komisiyo iharanira agateka kazina muntu (Australian Human Rights Commission), camenyesheje yuko abakenyezi bakukuruka bariziganirije $157.050, aho ni mu gihe abagabo bobo usanga bafise $270.710

Nuwo bir’uko, kimwe ca gatatu c’abakenyezi begereje imyaka yo gukukuruka usanga badafise ifaranga na rimwe baziganije.

Umwigisha mu vy’ubutunzi akaba n’umuremeshakiyago muy’ukwiziganyiriza Whitley Bradford yavuze yuko abakenyezi usanga kenshi bari inyuma mu bijanye no kwiziganyiriza bivanye n’imyaka usanga bari mu karuhuko kugira barabe abana canke uwundi wese mu muryango kandi ntibagahemberwe.

Bradford yavuze kandi yuko hariho uburyo bwo gukamisha ayo uba waraziganije biciye mu ntererano ya reta  canke uwo mwubakanye kubasanzwe ba bafise.

Yongeko kandi mu kuvuga yuko abasanzwe bikorera utwabo canke abikoresha kenshi bafata minenerwe kuriha amafaranga yo kwiziganyiriza nkuko bategerezwa kubikora.


Woman on swing in garden
Woman on swing in garden Source: Getty Images/Leren Lu


Bradford agira inama abasanzwe bikoresha  kugira ngo bashobore kwirihira amafaranga yo kwiziganyiriza nkuko abakoresha basanzwe babikorera abakozi babo, mbere akanahanura yuko bakwiye gushira ku rundi ruhande ayo bazokenera ni bagera muri za bukuru.

Akaba yatanze akarorero aho yavuze agereranya asigura ngo nk’ubu umuntu atozwa itagisi y’amafaranga 32.5 kw’ijana ashobora kugira ayashika $25.000 imbere yuko aterera abicishije muri tagisi ariha akiziganyiriza.

Mu gihe abasanzwe barihwa amafaranga make, nka $18.000 ku mwaka, nabo barashobora kwiziganyiriza bakongerako inyuma yo kuria amatagisi gutyo bigashobora kubaha amahirwe yuko reta nayo yo baterera mu gihe bujuje ibisawa.

Ivyo birashobora kubafasha ufatiye muvyo kuriha amatagisi.
Ikintu gihagaritse imitima  abantu mbere kigezweho muri kino gihe c’ikiza, ni hamwe n’abasuma bashaka uburyo bwo kubikuza amafaranga y’abantu nkuko bishikirizwa n’umuyobozi wa Super Consumers Australia Xavier O’Hollaran, mbere akaba asaba abantu kwirinda no gushishoza cane mu gihe hagize umuntu aguhamagaye utamuzi canke akwandikiye ikete muravyo (email).

Yavuze yuko akenshi abo bahamagara canke brungika amakete muravyo akenshi biyitirira yuko ari abakozi b’ibiro bijejwe gutoza amatagisi Australian Taxation Office (ATO) canke bakiyita abakozi b’ibigo vyegeranya amafaranga y’abantu baba biziganyirije.

Akenshi usanga bakubwira yuko bashobora kugufasha kuronka uburenganzira kurayo mafaranga yawe canke bakakwizeza yuko boguha uburenganzira bwose kugira ngo wewe nyeneyo ushobore kuyakoresha uko ushaka.
Mu mwaka 2019, ishirahamwe riracunga abasuma biciye k'ubuhinga ngurukanabumenyi ryamenyesheje yuko hiyongeye ibice 90 kw'ijana vy'ubusuma ugereranije n'umwaka uheze, aho ubwo busuma bwatumbereza abadakoresha ururimi rw'icongereza. Iryo shirahamwe rikamenyesha yuko imiriyoni zababa $14 ariyo bivye.

Kominote y’abantu bakomoka mu gihugu ca Thailande ikaba arimwe muzibangamiwe nizo nkozi z’ikibi. Mbere rimwe na rimwe bigashika ugasanga aba bagizi ba nabi barakoresha n’ururimi abo bantu batahura.
Retirees playing bowls
Source: Getty Images/Hybrid Images


No muighe woba udategekanya kubikuza ayo mafaranga yawe wiziganirije imbere y’igihe, Bott yibaza yuko ari iciyumvira ciza kumenya uko ubutunzi bwawe bwifashe mu bijanye n’ukwiziganyiriza kubera yuko abanye Australia benshi usanga batazi ingene bitunganijwe.

Ntituzi uko bikora. Ntituzi n’ivyo twaziganijemo. Turonka ikete rimwe mu mwaka ritubwira amafaranga tuba dufise, hama tugaterezako ijisho hama mu nyuma tukarita mu yindi myavu.
Ivyitonderwa: Ivyiyumviro biri mur’ino nkuru n’impanuro rusangi gusa, kandi kuri bose  mbere nta muntu runaka zitumbujeko. Mu gihe woba wipfuza impanuro, vugana n’ababifitiye ubumenyi bukwiye  canke uhamagare ku buntu National Debt Helpline kuri 1800 007 007 kugira ngo bashobore ku kugira inama ku buntu.

Ukaba ukeneye amakuru kuvy’ubutunzi ari mu rurimi ukoresha, vugana na Service Australia’s Finacial Information kuri 131 202

Mu gihe umwirondoro wawe wibwe vugana na  kuri 1800 595 160.


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Published 11 September 2020 at 10:33am
By Amy Chien-Yu Wang
Presented by Jean-Paul Amedee Nizigama