I-Bizum yokukhokha intela: ifomula ephumelelayo eValladolid
Izinkokhelo zentela kamasipala ezisebenzisa iBizum zizokhula ngo-66,6% eValladolid ngo-2026. Sezivele zingu-15,6% wesango lokukhokha loMkhandlu Wedolobha.
Izinkokhelo zentela kamasipala ezisebenzisa iBizum zizokhula ngo-66,6% eValladolid ngo-2026. Sezivele zingu-15,6% wesango lokukhokha loMkhandlu Wedolobha.
Thola ukuthi ungakugwema kanjani ukukhokha intela yengeniso lapho uthengisa ikhaya lakho. Izidingo, izinsuku zokugcina, kanye namathiphu angokomthetho okusebenzisa kahle ukukhululwa kokutshalwa kwezimali kabusha.
Awukayitholi imbuyiselo yakho yentela okwamanje? Sichaza ukuthi kungani i-Tax Agency ingabamba inkokhelo, ukuthi ikhokhela kanjani izikweletu ezingakakhokhwa, nokuthi iyiphi inzalo ongayifaka uma ibambezeleka isikhathi esingaphezu kwezinyanga eziyisithupha.
Thola lonke usizo, ukuncishiswa kwentela, kanye nezinzuzo zekhadi lomndeni elinomzali oyedwa. Thuthukisa ezezimali zomndeni wakho ngalo mhlahlandlela onemininingwane!
Ingcindezi yentela eSpain ikhuphuke yafinyelela ezingeni eliphezulu kakhulu. Thola ukuthi intela yengeniso (ngaphandle kokulungiswa kokwehla kwamandla emali) kanye nokwanda kweminikelo yezokuphepha komphakathi kuthinta kanjani abantu abahola imali ephakathi nephansi. Ukuhlaziywa okugcwele.
USoledad Fernández ushiya i-Spanish Tax Agency (AEAT), uphika ukuthi ukuhamba kwakhe kuhlobene nophenyo lukaMengameli wangaphambilini uZapatero, futhi uyavuma iphutha ecaleni likaJulio MartÃnez. Uvele phambi kweSenate.
Hlola uhlu olusha lwabantu abangakhokhi intela. Thola ukuthi yibaphi osaziwayo nezinkampani abakweleta imali engaphezu kuka-€600.000 nokuthi isikweletu sishintshe kanjani kulo nyaka.
Thola imininingwane yokushiya kukaSoledad Fernández kwi-Tax Agency. Sihlaziya izimpikiswano, inguqulo yezehlakalo ze-Treasury, kanye nekusasa lentela.
UManuel Adorni uphenywa ngokusebenzisa ama-peso ayizigidi ezingu-139. Lo owayengumphathi wabasebenzi wathethelela kanjani izinga eliphezulu kangaka lokusebenzisa imali? Qhubeka ufunda ukuze uthole impendulo.
I-SOT (Secretariat of Territorial Planning) ifake isikhalazo ngokumelene noMkhandlu Wedolobha laseQuito ngezinsolo zokukhwabanisa idatha kurejista yomhlaba kanye nokukhwabanisa ngamakhompyutha. Funda imininingwane lapha.
Umhlahlandlela wentela entsha yezivakashi e-Basque Country: amanani afinyelela ku-€7, usuku lokuqala ngo-2027, ukukhululwa kanye nendlela okuzobathinta ngayo abahambi.
IBrussels ihlose ukuqoqa ama-euro ayizigidi eziyizinkulungwane eziyi-11.000 ngentela entsha kuma-cryptocurrencies kanye nokugembula ku-inthanethi. Thola ukuthi lokhu kuzothinta kanjani isabelomali saseYurophu.
Ingabe i-VAT kwezokuvakasha izokhuphuka ifike ku-21%? Thola ukuthi lokhu kuzothinta kanjani amahhotela, amafulethi okuhlala eholidini, kanye nentengo yeholide lakho. Ngena manje!
Ingabe unayo imali ku-Revolut? Thola ukuthi yini okudingeka uyiveze, inzalo ikhokhiswa kanjani intela, nokuthi ngabe udinga ukufaka ifomu 720 noma 721 namuhla.
Izisebenzi ze-Tax Agency zibiza isiteleka samahora angama-24 ngoMsombuluko. Lokhu kuzokuthinta kanjani ukubuyiselwa kwentela yakho? Thola izizathu lapha.
Ingabe intengo yeziphuzo nesidlo sakusihlwa izokwenyuka? IKhomishini yaseYurophu icela iSpain ukuthi inyuse izinga le-VAT emkhakheni wezokungenisa izihambi libe ngu-21%. Thola umthelela kanye nempendulo yomkhakha.
Ingabe unayo imali ku-Revolut? Thola ukuthi udinga yini ukumemezela intshisekelo yakho, ukuthi ama-akhawunti akhokhiswa kanjani intela eguquguqukayo, nokuthi kwenzekani ngamaFomu 720 no-721.
Ufuna ukusebenzisa i-Bizum ebhizinisini lakho? Thola ukuthi ungayisetha kanjani, imikhawulo yokukhokha, kanye nalokho iziphathimandla zentela ezizokuqapha kusukela ngo-2026 kuqhubeke. Bhalisa manje!
Thola ukuthi izimali zakho ezitshaliwe zikhokhiswa kanjani intela eSpain. Umhlahlandlela onemininingwane ngentela yengeniso yomuntu siqu, imali engenayo yokonga, ama-cryptocurrencies, ama-ETF, kanye nendlela yokukhokha ukulahlekelwa yintela.
Thola ukuthi inkampani yakho iyafaneleka yini ukuthola izinga lentela yengeniso yenkampani elincishisiwe elingu-15% nokuthi ukuba yingxenye yeqembu lenkampani kuyithinta kanjani. Gwema amaphutha entela!
Thola indlela yokuthuthukisa isinxephezelo sabaphathi ngemikhiqizo ye-Unit Linked. Sihlaziya ukuhlehliswa kwentela, imithetho yentela yengeniso yomuntu siqu, kanye nezinqumo zeNkantolo Ephakeme.
Ingabe usenezikweletu zentela ezingakakhokhwa? Thola ukuthi izinkokhelo ziphelelwa nini yisikhathi, yini ephazamisa umthetho wemikhawulo, nokuthi umthetho wamanje usebenza kanjani. Funda kabanzi lapha!
Izinsuku zokuqala zokufaka ama-invoyisi kagesi e-B2B, izinsuku zokugcina ngokohlobo lwenkampani kanye nobudlelwano ne-Verifactu kanye nesofthiwe yokulwa nokukhwabanisa.
Thola ukuthi ngabe i-scholarship yakho ikhokhiswa intela yengeniso, ukuthi yimaphi amanani akhululiwe, nokuthi ungayimemezela kanjani ingxenye edingekayo kuphela kwabasemagunyeni bentela.
Umhlahlandlela ophelele wokusiza, iminikelo yezokuphepha komphakathi esezingeni eliphezulu kanye ne-VAT evunyelwe abasebenzi abazisebenzayo eSpain, enamathiphu ayisihluthulelo okukhokha kancane nokuvikela ibhizinisi lakho.
Indlela ukukhubazeka kweBuenos Aires Cadastre okubathinta ngayo onjiniyela, imakethe yezindlu kanye nabakhokhi bentela, kanye nalokho ochwepheshe abakufunayo.
Bhukha i-aphoyintimenti ukuze ufake ifomu lakho lentela ngocingo eHhovisi Lentela: izinsuku, izinombolo zocingo, izidingo kanye namadokhumenti abalulekile.
I-Telefónica ichaza umnikelo wentela oyizigidigidi eziyi-7.472 zentela, kanti iSpain ihamba phambili kanye nenqubomgomo yentela ehambisana ne-OECD.
Thola ukuthi imali yakho yokuqasha ikhokhiswa kanjani intela, yiziphi izindleko ongazikhipha, nokuthi yiziphi izinkokhelo zentela zesifunda ezikhona kubanikazi bezindlu nabaqashi.
Siyini isitifiketi sokuhlala entela, ungasicela kanjani, futhi sikuvimbela kanjani ukukhokhiswa intela kabili kanye nokugodla intela emalini engenayo yakho yamazwe ngamazwe?
Iyini inqubo yokuphoqelela umthetho, ukuphathwa kwentela kusebenza kanjani, futhi yimaphi amalungelo nezinketho umkhokhi wentela anazo lapho ebhekene nokubanjwa kwezimali kanye nezindleko ezengeziwe?
Ukubuyekezwa okusebenzayo kwezinqumo kanye nezinguquko zentela ezithinta umkhankaso weNtela Yengeniso kanye nokuhlela intela.
Thola wonke amafomu entela yengeniso yomuntu siqu (i-IRPF) kanye nentela yengcebo (i-IP), imithethonqubo, izinsuku zokugcina, kanye nentuthuko entsha. Umhlahlandlela ophelele onezinguquko ekuncishisweni, ukubuyiselwa kwemali okusalungiswa, kanye nokufakwa kwe-elekthronikhi.
Thola ukuthi ungasebenza kanjani e-Tax Agency: izinhlobo zomsebenzi, amachibi emisebenzi yesikhashana, amaphrofayili afunwa kakhulu kanye nezihluthulelo zokufinyelela kulezi zikhundla.
Iyini i-IRNR, okumele iyikhokhe, izinhlobo, amamodeli kanye nezivumelwano zentela ephindwe kabili eSpain ezichazwe ngokucacile kwabangebona izakhamuzi.
Intela Yengeniso ka-2025: Izinkokhelo ezintsha, izinguquko kuNtela Yengeniso Yomuntu Siqu kanye nekhalenda ephelele yokufaka imbuyiselo yakho ngo-2026 ngaphandle kwezimanga.
Intela, izimali, kanye namatafula entela ezimoto nezikebhe. Funda ukuthi ungawazisa kanjani futhi ukhokhe kanjani intela ngendlela efanele ekuthengeni, ekuthengiseni, kanye nasefeni.
Amazwe amahlanu e-EU acela iBrussels intela efanayo enzuzweni engenayo yezinkampani zamandla ukuze kuncishiswe inkinga yamandla kanye nokwehla kwamandla emali.
Thola ukuthi iyini isisekelo sentela, ukuthi sibalwa kanjani ku-VAT, Intela Yengeniso Yomuntu Siqu kanye neNtela Yenkampani futhi ugweme amaphutha angakubiza imali ngeHhovisi Lentela.
Uthathe umhlalaphansi futhi ungaqiniseki ngentela yengeniso? Thola ukuthi yiziphi izimpesheni ezikhokhiswa intela, imikhawulo yengeniso, kanye nokukhululwa okubalulekile kwabahola impesheni.
Thola izinqumo zakamuva ezibalulekile emthethweni wentela, wezabasebenzi, wobugebengu kanye nowokufuduka ezishintsha umkhuba wansuku zonke wezinkampani zomthetho kanye nezinkampani zomthetho.
INkantolo Ephakeme yaseMadrid imemezela ukuthi intela yokuqoqwa kukadoti ayisebenzi ngenxa yamaphutha enqubo kanye nokuntuleka kokucaca. Amaphuzu abalulekile esinqumweni kanye nemiphumela yaso kubakhokhi bentela.
Umhlahlandlela ophelele wokuthola inombolo yakho yereferensi yeNtela Yengeniso ka-2025: ibhokisi 505, Cl@ve, uhlelo lokusebenza, kanye nama-aphoyintimenti omuntu mathupha. Finyelela iwebhusayithi yeNtela Yengeniso ngaphandle kokuphazamiseka.
Thola ukuthi i-Inheritance Tax izokhokhwa nini kuma-holographic wills nokuthi ithinta kanjani izinsuku zokugcina, umthetho wemikhawulo kanye nokuqiniseka ngokomthetho.
Ukuhlaziywa okuningiliziwe koHlelo Lokulawula Intela Nentela: ukugxila kokuhlola, umnotho wedijithali, idatha entsha yezezimali kanye nokuqoqwa.
Thola yonke imithetho emisha yentela kaFebhuwari: Umthetho Wesinqumo Sasebukhosini 2/2026, imithethonqubo yesifundazwe neyesifunda kanye nekhalenda eliyinhloko lezibopho.
Indlela yokukhipha izindleko zezokwelapha nezamazinyo embuyweni yakho yentela ka-2026: izidingo, imikhawulo, kanye nezifunda lapho ungonga khona okuningi embuyweni yakho yentela.
UMkhandlu Wedolobha laseCáceres uzokuvumela ukuthi ukhokhe imali kamasipala ngeBizum. Thola ukuthi yiziphi izinqubo ezifakiwe, ukuthi zizosebenza kanjani, nokuthi zizotholakala nini.
Ungayithola kanjani isaphulelo esifika ku-2% lapho usetha i-debit eqondile yezimali zokuqoqa udoti e-Alcobendas kanye nokuhlukanisa izinkokhelo ngohlelo lwe-Aplaza 6.
Izinsuku, izinsuku zokugcina, izici ezintsha zeNtela Yengeniso Yomuntu Siqu (i-IRPF) kanye nokuncishiswa okubalulekile kwefomu lentela lika-2026. Buyekeza izinguquko kumholo omncane, izinzuzo zokungasebenzi, impesheni kanye nokonga ngaphambi kokufaka isicelo.
Izinsuku zokugcina, izidingo kanye nendlela yokuqoqa isheke lokukhululwa kwentela lika-2025 labakhokhi bentela abanemali engenayo efinyelela ku-$150,000.
Ihhovisi elisha lokuqoqwa kwentela eJaén lihlanganisa intela kamasipala eMkhandlwini Wesifundazwe ukuze kuthuthukiswe ukusebenza kahle, ukugcinwa kwemali kanye nenkonzo yabakhokhi bentela.
I-ARCA ishintsha ukukhishwa kwamarisidi: ukukhokhelwa kwenyanga nge-elekthronikhi, ukuncishiswa kwemibandela, kanye nezidingo ezintsha zemikhakha ebalulekile. Funda imininingwane.
Umkhankaso omusha wobugebengu bokweba imininingwane ye-inthanethi ozenza i-Spanish Tax Agency kanye ne-DEHÚ weba iziqinisekiso. Funda ukuthi ungakubona kanjani nokuthi wenzeni uma usuvele ukuthandile.
UMnyango Wezezimali waseSpain uphenya ngokuhlasela kwe-inthanethi okungenzeka kube yingozi kudatha yezakhamuzi eziyizigidi ezingu-47,3. Thola ukuthi yini eyaziwayo, izimpendulo zemibuzo evame ukubuzwa, kanye nempendulo esemthethweni.
Kuyini ukukhululwa ku-VAT futhi kungakanani okuzokongwa ngabantu abazisebenzayo eSpain? Idatha ye-ATA, izidingo, umthelela wentela, kanye nokungqubuzana neBrussels.
I-Bizum yephula amarekhodi futhi iHhovisi Lentela liqapha izinkokhelo zalo: izibopho ezintsha, idatha ebalulekile kanye nezijeziso zabantu abazisebenzayo kanye nezinkampani eSpain.
I-WHO ifuna intela ephezulu otshwaleni nakushukela ukuze kuncishiswe ukukhuluphala kanye nezifo. Funda ukuthi iphakamisa ukuthini nokuthi ingathinta kanjani iYurophu neSpain.
Uhulumeni Wesifunda sase-Andalusia ufaka i-Bizum ekukhokheni intela kanye nemali engenayo yomphakathi nge-elekthronikhi, ngokuthengiselana okufika ku-€1.500 kanye nezinye izinsiza eziku-inthanethi.
Izibalo ezibalulekile mayelana nokubuyiselwa kwemali yentela yengeniso, izinsuku zokugcina, ukubambezeleka kanye nenzalo yokukhokha sekwephuzile evela ku-Tax Agency nokuthi zithinta kanjani abakhokhi bentela.
Sebenzisa imali ekhishwayo yokusebenzisa kahle amandla bese wonga imali efika ku-€3.000 enteleni yakho yengeniso ngokwenza ngcono ikhaya lakho noma isakhiwo sakho ngaphambi kokuba isikhathi esibekiwe siphele.
I-Spain Tax Agency izoqapha izinkokhelo ezenziwa nge-Bizum ngabantu abazisebenzayo kanye nezinkampani kusukela ngo-2026. Thola ukuthi yiluphi ulwazi olubikwayo, obani abathintekayo, nokuthi ungagwema kanjani izinhlawulo.
I-Spain Tax Agency ichitha uhlelo olukhulu lokukhwabanisa i-VAT oluhilela ama-hydrocarbon, lapho izinkampani ezingu-38 kanye nama-euro angaphezu kwezigidi ezingu-300 akhwabaniswe ngo-2024.
Uhulumeni usuqedile isidingo sokuba abamukeli bezibonelelo zokungasebenzi bafake amafomu entela. Thola ukuthi obani abathintekayo, ukuthi lolu shintsho luqala nini ukusebenza, nokuthi yiziphi izinguquko zangempela.
UMnyango Wezezimali ulungiselela izinguquko ekuncishisweni kwentela yengeniso yomuntu siqu yomholo omncane ngo-2026: ukuthi ingakhuphuka malini, ukuthi ithinta bani, nokuthi izowuthinta kanjani umholo wakho.
Ingakanani imali ethathwa yiHhovisi Lentela ku-Christmas Lottery, yimiphi imiklomelo ekhokhiswa intela, isetshenziswa kanjani i-20%, nokuthi kwenzekani ngamathikithi abiwe.
I-Spain Tax Agency izoqapha izinkokhelo ze-Bizum nezedijithali kusukela ngo-2026 ngaphandle komkhawulo omncane. Funda ukuthi lokhu kuzothinta kanjani abasebenzi abazimele, amabhizinisi, kanye nokuthengiselana phakathi kwabantu ngabanye.
IBandla lithola izigidi ezingama-429 nge-IRPF, irekhodi eliyingqophamlando elinabantu abangaphezu kwezigidi ezingu-9 abamaka u-X naphezu kokwehlisa iphesenti labanikezeli.
Thola ukuthi iyini intela ye-OASDI, ukuthi ukhokha malini, iyini ikhephu, nokuthi yiziphi izinzuzo Zokuvikeleka Komphakathi ezizixhasayo nge-payroll yakho.
Ingabe amanothi okulethwa ayadingeka? Thola ukuthi kufanele uzigcine nini, isikhathi esingakanani, nokuthi ukwenze kanjani ukuze ugweme izinkinga neziphathimandla zentela.
Ungakwazi yini ukukhipha iziqu ze-master ku-VAT kanye nentela yeholo uma uzisebenza? Amaphuzu angukhiye wezomthetho, izibonelo ezingokoqobo, nezinqumo zakamuva ezivela ku-Spanish Tax Agency (DGT).
I-Spanish Tax Agency ihlehlise ukusetshenziswa okuyisibopho kwesistimu ye-Verifactu yama-SME kanye nabazisebenzayo kuze kube ngu-2027. Funda mayelana namadethi amasha, izibopho, nokuthi ululungiselela kanjani ushintsho.
Thola ukuthi bangakwazi yini ukuthatha impahla yakho ngaphandle kwesaziso, ukuthi yimiphi imikhawulo ekhona, nokuthi ungasifaka kanjani isikhalazo ngokuthathwa kwakho ngaphandle kwesaziso e-Spain.
Kuyini ukususwa kwesixhumanisi sentela futhi sisebenza kanjani: izimfuneko, izinsuku zokugcina, izibopho zezinkampani nezinketho zokubuyisela impahla yakho.
Indlela ama-trust akhokhiswa ngayo intela e-Spain: Intela Yefa Nesipho, Intela Yomholo Womuntu Siqu, Intela Yengcebo kanye nendlela ye-DGT-TEAC echazwe ngokucacile nangokungokoqobo.
Igalelo le-life usufruct ezinkampanini likuthinta kanjani ukukhululwa kwamasheya ku-Wealth Tax?
Thola ukuthi ungasifaka kanjani isicelo sokukhululwa kwamasheya e-Patrimonio: izidingo zangempela zomsebenzi, ikheli kanye namaphesenti ebhizinisi lomndeni.
Ukwehliswa ngo-60% kwentela yeholo lomuntu eLa Palma, izigidi eziyi-100 emkhakheni wezolimo kanye nokumiswa kwemali mboleko entsha: lesi yisinqumo esiphuthumayo sesiqhingi.
Ungayithola kanjani imali eningi ebanjwayo engu-€1.356 ku-IRPF: izimfuneko, ushintsho lwe-TEAC oluhlanganisa ukukhansela ngokuthengiswa nezilungiso 2021-2024.
Ingabe uthenge ngaphambi kokuphela kwesikhathi sokubanjwa? I-TEAC (Inkantolo Emaphakathi Yezomnotho-Yokuphatha) isekela ukudonsa imali yokukhansela ngokuthengisa futhi ivumela ukubuyekezwa kuka-2021-2024 uma uhlangabezana nezimfuneko.
Izinsuku zokugcina: ukuthi ungasebenzisa kanjani futhi unikele kanjani ukuze wehlise intela yakho engenayo kanye nentela yebhizinisi ngaphandle kwezimanga. Umhlahlandlela osebenzayo onemali ebanjwayo, amathiphu, nohlu lokuhlola.
Kusho ukuthini ukuzimela nge-AFIP (Federal Administration of Public Accounts), izimfuneko, ukubhaliswa, nezintela ngaphansi koMbuso Ovamile. Umhlahlandlela ocacile wokuthobela, ukugwema amaphutha, nokukhokha nge-VEP.
I-Verifactu e-Spain: umnqamulajuqu, izimfuneko, izinhlawulo, nokuthi ungayilungisa kanjani inkokhelo yakho. Umhlahlandlela ocacile wamabhizinisi nama-freelancers onamathiphu asebenzayo.
Imali mboleko kaJuan Carlos I kuMgcinimafa isibuyiselwe emuva kokuthola imali e-Abu Dhabi. Nansi yonke imininingwane.
Zitholele ukuthi ukuguqulwa kwe-VAT kwe-EU kuyithuthukisa kanjani intela futhi yenze izinqubo zibe lula ngenxa yokwenza idijithali kanye nama-invoyisi kagesi.
Yenza i-aphoyintimenti ngocingo ukuze ufake imbuyiselo yakho yentela kuMgcinimafa. Izinsuku, izinombolo zocingo, nakho konke okudingayo ngenqubo.
Funda ukugwema nokulungisa amaphutha ekubuyiseleni kwakho intela ukuze ugweme izinhlawulo futhi uthole imali yakho.
Hlola lonke ulwazi lwembuyiselo yentela yango-2024: izinsuku ezibalulekile, izimfuneko, izinzuzo, nezici ezintsha zokukusiza wenze ukukhetha okufanele lapho ugcwalisa.
Ingabe i-Income Tax ingathunyelwa ngemva komnqamulajuqu? Impendulo emfushane inguyebo, kodwa kunochungechunge lwezinkokhelo ezengeziwe, izinhlawulo nezinhlawulo zokuzikhokhela.
Ukwazi ukuthi iyini i-AEAT kungakusindisa ikhanda elibuhlungu. Funda konke mayelana ne-State Tax Administration Agency of Spain.
Uyafuna ukwazi ukuthi liyini izinga le-marginal entela yeholo lomuntu siqu? Lapha sikuchazela yona futhi sikhuluma ngokuthi isithinta kanjani isitatimende semali engenayo.
Kwenzekani uma ngihola kodwa kungadingeki ukuba ngifake isimemezelo? Sikunikeza isixazululo kulo mbuzo ojwayelekile.
Uyafuna ukwazi kahle ukuthi iyini intela yemali engenayo yomuntu siqu, iyikhokhayo futhi ikhokhelwe malini? Lapha sichaza yonke into nokuthi isebenza kanjani maqondana noMnyango Wezezimali.
Uyafuna ukwazi ukuthi iyini imodeli ye-390 nokuthi ingeyani? Sikubonisa isinyathelo ngesinyathelo lonke ulwazi okufanele ukwazi ngalo mbhalo.
Uyazi ukuthi yini iModeli 303? Ngubani odingeka ukuthi awuthumele futhi yiziphi izikhathi zokugcina zokwenza lokho? Thola konke ngezansi
Awazi ukuthi kuzodingeka ukhokhe malini ngefa? Lapha sichaza ukuthi intela yamafa isebenza kanjani nokuthi ingabalwa kanjani.
Lo mbhalo uchaza ukuthi yini i-Agency Agency, ukuthi iyini inhloso yayo nokuthi ingaphathwa kanjani imbuyiselo yentela.
Uma ufuna ukwazi ukuthi ugcwalisa kanjani ifomu elingu-390, lapha sikunikeza izinyathelo namaphuzu okufanele uwanake lapho uwenza.
Uma kufanele wethule iFomu 349 futhi ungazi ukuthi liyini nokuthi uligcwalisa kanjani, lapha sizochaza konke okudingayo ngakho.
Thola lonke ulwazi oludingayo mayelana nentela yomgwaqo: iyini, ngubani okufanele ayikhokhe, malini, kanjani futhi kanjani.