Ukubala iholo lakho lonke kuwumsebenzi obalulekile owenziwa yizisebenzi nyanga zonke ngemva kokudonsa umshwalense, izindleko ezihlobene nebhange, nezinye izimali ezibanjwayo. Umshwalense uyingxenye ebalulekile yokuhlinzeka ngokuvikelwa kubasebenzi uma kwenzeka balimala. Esihlokweni esilandelayo, sizochaza impendulo yombuzo othi, "Ngiwubala kanjani umholo wami wesamba emva komshwalense?" futhi ufunde indlela efanele.

Ngingawubala kanjani umholo wami usuwonke ngemva kokudonsa umshwalense womphakathi?

Kukhona indlela yokubala iholo eliphelele ngemuva kokudonsa umshwalense wezenhlalakahle. Lokhu kwenziwa ngezinyathelo ezimbalwa, ezibaluleke kakhulu kuzo yilezi:

• Bala iholo lakho eliphelele nazo zonke izinzuzo ozitholayo.
• Ukuze ubale isaphulelo, kufanele unqume iholo lakho bese uphindaphinda inani ngephesenti lomshwalense, okungaba u-9% eMbusweni.
• Bese udonsa inani lesaphulelo emholweni wakho usuwonke.

Ithini iphesenti lokubanjwa komshwalense wezenhlalakahle eholweni laseSaudi Arabia?

Iphesenti lokubanjwa komholo e-Saudi Arabia liyahlukahluka kancane kuye ngomshwalense kanye neholo, futhi kuya ngomehluko phakathi kwesisebenzi saseSaudi kanye nomuntu wangaphandle:

Kubasebenzi baseSaudi, u-9.75% womholo wabo udonswa futhi uhlukaniswe:

U-9% uyisabelo esidonswa kwisabelo somsebenzi egatsheni lempesheni.

U-0.75% uyinxenye yesisebenzi egatsheni labangasebenzi.

Isisebenzi sangaphandle: Ayikho imali ebanjwayo eholweni lesisebenzi sangaphandle, njengoba umqashi ethwala imali ebanjwayo yomshwalense.

Zibalwa kanjani izibonelelo futhi ziwuthinta kanjani umholo?

Ziningi izindlela zokubala izibonelelo futhi uqonde umthelela wazo ocacile emholweni wesisebenzi. Izibonelelo zingabalwa ngokubala iholo eliyisisekelo okuvunyelenwe ngalo esivumelwaneni sokuqashwa, kwenezelwe kulo izibonelelo zezindlu, ezokuthutha, isikhathi esengeziwe, kanye nohlobo lomsebenzi, ngaphezu kwamabhonasi umuntu awatholayo.

Ukuze ubale izibonelelo ezihlanganisiwe, zingangezwa ndawonye futhi iholo eliyisisekelo likhishwe kuzo.

Kunomthelela ocacile wezibonelelo emholweni oyisisekelo womuntu:

• Kungenye yezinto eziyisisekelo ezikhuphula iholo lonke futhi zikhuphule iholo eliyisisekelo lomuntu ngamunye.
• Izibonelelo zisiza ukukhokhela izindleko zakhe.
• Izibonelelo zinomthelela omuhle ekubalweni kwentela kanye nomshwalense odonswa eholweni.

Ingabe indlela yokubala iholo lonke ihlukile kubasebenzi baseSaudi nabangebona abaseSaudi?

Yebo, kunomehluko omningi ekubaleni isamba somholo wabasebenzi baseSaudi nabasebenzi bakwamanye amazwe:

Izinto ezijwayelekile phakathi kwamaholo abasebenzi baseSaudi nabakwamanye amazwe yilezi:

• Inani lomholo oyisisekelo okuvunyelwene ngakho ngaphandle kwanoma yiziphi izinzuzo ezikhethekile noma ezengeziwe, futhi liyahlukahluka kuye ngeziqu zomuntu kanye nolwazi lwakhe.
• Izibonelelo namabhonasi atholwa ngumuntu ayengezwa emholweni.
• Izimali ezibanjwayo emholweni oyisisekelo ngaphezu komshwalense womphakathi.

Umehluko phakathi kwamaholo abasebenzi baseSaudi nabakwamanye amazwe yile:

• umholo omncaneAbanikazi bamabhizinisi azimele eMbusweni waseSaudi Arabia kudingeka ukuthi babeke umholo omncane wabasebenzi baseSaudi ku-4000 Saudi Riyals, kodwa umholo omncane wabangewona amaSaudis uphansi.
• Ukungqubuzana U-9.75% udonswa eholweni lesisebenzi saseSaudi, kodwa akukho mali ebanjwayo eholweni lomuntu ongeyena owaseSaudi.

Yimaphi amadokhumenti adingekayo ukuze kubalwe ngokunembile iholo ngemva komshwalense?

Kukhona imibhalo ebalulekile yokubala kahle iholo ngemuva kokudonsa umshwalense wezenhlalakahle. Imibhalo ebaluleke kakhulu kulawa:

• Isitatimende senani eliyisisekelo lomholo otholwe umuntu ngamunye.
• Wonke amarekhodi okuba khona kanye namaphepha abonisa inani lezinsuku namahora umuntu ngamunye asebenzayo.
• Amaphepha edivosi noma isivumelwano somshado, kuye ngesimo somsebenzi.
• Uma kukhona noma yimaphi amaphepha ahlobene namacala okufa noma imibiko yezokwelapha eshintsha umshwalense.
• Izitifiketi zemfundo, ezisetshenziselwa ukunquma iziqu kanye nesimo sezimali somuntu, ukuze kunqunywe inani okufanele alithole.
• Isitifiketi esivela ku-Social Insurance Institution esisho izikhathi namaholo obhalisile.
• Isitifiketi samaholo ahlanganisiwe sinikeza yonke imininingwane yeholo lomuntu ngamunye ukuze kubalwe inani ngendlela efanele.

Ingabe zikhona izibali zamahhala eziku-inthanethi zokubala iholo eliphelele?

YeboKunamathuluzi amaningi nezinhlelo ezisiza ukubala iholo lonke mahhala, njenge:

• Ezinye izinkampani zinikeza isoftware yokukhokhela mahhala njengengxenye yezinsizakalo zabo ukuheha amakhasimende. Izibonelo zalezi zinhlelo zifaka i-ADP, Imikhawulo, kanye ne-OnPay.
• Kunamathuluzi athile akhethekile aku-inthanethi asetshenziselwa ukubala amaholo futhi anikeze izici eziningi ezengeziwe ezihlobene nokuthatha umhlalaphansi nokonga. Izibonelo zifaka: I-ADP
• Kukhona futhi isofthiwe yokuphathwa kwezimali kanye nezinhlelo zokubala ezifana nephesenti yokubala ehlinzekwa yi-Wafeq.

Imibuzo evamise ukubuzwa mayelana nokuthi ngingabala kanjani iholo lami ngemuva komshwalense

Ngiwubala kanjani umshwalense wezempilo eholweni lami?

Umshwalense wezempilo ubalwa ngokuphindaphinda iholo elibekelwe umshwalense ngephesenti okumele likhokhelwe yiziphathimandla ezifanele, elingu-9.75%.

Ingabe iminyaka yesipiliyoni iyawathinta amanani okudonswa kwemali?

Cha, inani leminyaka yesipiliyoni alithinti ngokuqondile iphesenti lokubanjwa komshwalense okudonswa eholweni. Nokho, ulwazi luthinta inani lomholo eliyisisekelo. Ngakho-ke, imbuyiselo yokugcina etholwe umuntu onolwazi lweminyaka eminingi iphezulu kuneyomuntu onolwazi oluncane.

Uyini umehluko phakathi kwe-gross salary kanye ne-net salary?

Kunomehluko othile phakathi kweholo eliphelele kanye nesamba somholo:

Iholo elipheleleYisamba sawo wonke amaholo ayisisekelo, izibonelelo namabhonasi atholwa ngumuntu.

Iholo lonke: Yinani elisele ngemva kokuba izimali ezidonsiwe, imishwalense, nezintela sezidonsiwe emalini aphelele atholwa umuntu.

Ngabe uhlelo olusha lwezabasebenzi lwaseSaudi luzithinta kanjani izibalo zamaholo?

Awukho umehluko omningi ohlelweni olusha lwezabasebenzi lwaseSaudi mayelana neholo, njengoba umshwalense kanye nemali ebanjwayo kubalwa ngokohlelo lwezabasebenzi lwaseSaudi kanye nemithetho yomshuwalense womphakathi.