Khawucinge ukuba uya ebhankini yakho ekuqaleni kwenyanga ulindele ukuba imali yakho yomhlalaphantsi engayithathiyo sele ihlawulwe kuKhuseleko lweNtlalo. Kodwa, xa ufaka ikhadi kwi-ATM, kuye kuvele ukuba ayibhali kwanto kwaye ufumana isaziso sokuba lisexesheni. Kwaye izinto ezingendawo ezisixhenxe zingena kuwe kuba iyamangalisa into yokuba, ngelo xesha, awukabinayo. Uyazibuza ke ukuba: ingaba inkamnkam yam engayi rhumayo ithathiwe kum?
Yima, ngaba oko kunokwenziwa? Inyaniso kukuba ewe, kwaye ukuba ufuna ukwazi izizathu zokuba kutheni ipension yakho engatsaleliyo ingathathwa kwaye kufuneka wenze ntoni ukuyibuyisela siya kukuxelela ngezantsi.
Yintoni ipension engafakwanga
Umhlalaphantsi ongafakwanga ungachazwa njenge isixa esithile semali esiqinisekisiweyo kwabo bantu bangenako ukufikelela kumhlalaphantsi ohlawulelwayo. Umzekelo, ngenxa yokungadweliswa, okanye ukungafikeleli kuluhlu oluncinci. Ukunqanda ubunzima bezoqoqosho onokuthi unabo, ufumana inkxaso-mali eya kujongana neemfuno ezisisiseko. Ukongeza, ikwabandakanya ukhathalelo lwempilo kunye nekhemesti, kunye neenkonzo zentlalontle ngaphandle kokuhlawula nantoni na kubo.
Nabani na ongaphezulu kweminyaka engama-65 ubudala, ukuba nje akakwazi ukuhlangabezana neemfuno zokuthatha umhlala-phantsi, uya kuba nethuba lokufumana le pension, iSpanish kunye nabangaphandle ukuba nje bahlala ngokusemthethweni eSpain.
Ziziphi iimfuneko emazifunyanwe ukuze usifumane?
Los Iimfuno zokuba ngumxhamli womhlalaphantsi ongafakwanga Zizo zilandelayo:
- Ukungafezekisi iimfuno zokufikelela kumhlalaphantsi oncedisayo (oqhelekileyo).
- Yiba nengeniso okanye umvuzo ongagqithiyo kwi-5639,20 euros ngonyaka. Ukuba uhlala nabantu abaninzi, ingeniso ephezulu ithathela ingqalelo yonke iyunithi yosapho, ngendlela yokuba kuxhomekeke kwinani lamalungu ahlala kwindawo eso sixa sinokuba phezulu (kunye nobuninzi be-euro ezingama-43703.80 kwimeko abantu abane nangaphezulu kwaye phakathi kwabo omnye wabazali okanye abantwana babo).
- Hlala eSpain ubuncinci iminyaka eyi-10 phakathi kwe-16 kunye nomhla wokuqokelela umhlalaphantsi.
- Yiba neminyaka engama-65 okanye ngaphezulu.
Kukho ezinye iindidi zeemfuno ukuba ukhetha ukufumana umhlalaphantsi wokhubazeko ongabandakanyiyo, njengokungqina iqondo lokukhubazeka elilingana okanye elingaphezulu kwama-65%.
Izizathu zokuthatha imali yakho yomhlalaphantsi ongayi rhumayo
Ngaphandle kwento yokuba abaninzi abafumana ipension engafakwanga bacinga ukuba abanakuphinda bayithathe, inyaniso yeyokuba uKhuseleko lweNtlalo lune-ace phezulu. Enyanisweni, ezine. Kwaye kukho izizathu ezine ezibangela ukuba kurhoxiswe ukuqokelelwa komhlalaphantsi ongafakwanga. Zezi:
- Ukungaphumeleli ukubhengeza ingeniso iyonke kwikota yokuqala yayo yonke iyunithi yokuhlalisana. Oko kukuthi, umntu kufuneka aqinisekise umvuzo weyunithi yosapho ahlala kuyo (okanye ngaye ukuba uhlala yedwa).
- Musa ukuchaza iiyantlukwano zobuqu. Ngokomzekelo, ukuba kukho utshintsho ekuhlalisaneni, ukuba imeko yakho yomtshato iyatshintsha, ukuba uhambisa indawo yokuhlala ... Konke oku kunokuthetha isohlwayo kunye nokususwa komhlalaphantsi wakho ongeyena umnikelo.
- Ukungaphumeleli ukwazisa ngotshintsho lomsebenzi. Njengoko nisazi, kukho abantu abadla umhlala-phantsi abanokusebenza. Bafumana umvuzo wabo kunye nomhlalaphantsi. Ingxaki kukuba ukuba kukho ukuhluka kwaye akuchazwanga kuKhuseleko lweNtlalo, inokuthatha inyathelo kulo mbandela kwaye inqunyanyiswe ipenshini engafakwanga. Akuphelelanga apho, ungade ufune ukuba imali othe wabizwa ngayo ngokungafanelekanga ibuyiselwe kuwe.
- Dlulisa isixa. Umzekelo, kutsalwa imali eninzi kunaleyo kufuneka iqokelelwe. Ukungaphumeleli ukunika ingxelo yephutha kunokukhokelela kuKhuseleko lweNtlalo ekuyiqondeni ekuphononongweni kwaye emva koko kufuna ukuba intlawulo engafanelekanga iqokelelwe.
Yintoni omawuyenze ukuyibuyisela
Kuyacaca ukuba ukuphulukana nenkamnkam engafakwanga lelona phupha libi kwabaninzi. Nangona kunjalo, inokwenzeka kwaye ukuzisola akunamsebenzi, kuba ngale nto awuyi kukwazi ukuyibuyisela. Kodwa ngethamsanqa uKhuseleko loLuntu lukuvumela ukuba ulufumane kwakhona. Njani? Kulungile Kuya kuxhomekeka kwisizathu sokuba ithathwe kuwe.
Umzekelo, ukuba isizathu kukuba Awukayingenisi isibhengezo sisonke sabahlali kunye, ukuyinikezela nje kuya kwanela. Kuyinyani ukuba, ukuba uyenza emva komhla wokugqibela, unokujongana nesohlwayo, kodwa ubuncinci bathathela ingqalelo intetho kwaye babuyisele umhlalaphantsi kwakhona.
Kwimeko umrhumo ogqithisileyo, ukuba kwaziswa, nangona oko kuya kuthetha ukuba bayayithabatha imali abayibize kakhulu, ubuncinane abayi kuyimisa ipenshoni yakho. Nangona kunjalo, ukuba awaziswanga, banokucinga ukuba ibilityala elibi ngokungaziswanga kunye nokumisa ukuqokelela iinyanga ezininzi (okanye ngokungenasiphelo). Bekuya kufuneka kuboniswe ukuba ubungayazi le nto kwaye awenzanga ngokholo olubi.
Kwimeko utshintsho lomntu, ezi zichaphazela zombini kakubi kunye nelungileyo. Ngokomzekelo, kusenokwenzeka ukuba ngaphambi kokuba imali yomhlalaphantsi ibalwe kumntu omnye kodwa ngoku ababini bahlala kunye yaye bafikelela imfuneko yomvuzo wabantu ababini, abaza kubiza imali engakumbi ngayo.
Kodwa, ngokuchaseneyo, ukuba ayiziswanga, uKhuseleko lweNtlalo lunokuqwalasela ukuba lenze ngokholo olubi kwaye lumise umhlalaphantsi ixesha elithile okanye lize licele ukubuyiswa kwento ehlawuliswe kakhulu.
Okokugqibela, zininzi iimeko ezindabeni zabantu abaye bathathwa umhlala-phantsi ngenxa yomsebenzi. Kule meko, ukuba usebenza kwaye uKhuseleko lweNtlalo lunqumamisa inzuzo yakho, kunokuba kuhle ukuba uqwalasele ukuba yeyiphi na kwezi zinto zimbini zingcono, kuba kuya kufuneka ukhethe enye ukuba ayisebenzi.
Okucacileyo kukuba, Nangona kunokwenzeka ukuba ipension yakho ongayisebenzisiyo ithathwe, eli ayilolizwi lokugqibela. Eyona nto ingcono kukuba, ukuba oku kuyenzeka kuwe, yenza idinga kunye noKhuseleko lweNtlalo ukuze ufumanise ukuba kutheni kwenzekile. Kwaye yintoni onokuyenza ukuyibuyisela ngokukhawuleza. Baza kukwazisa kwaye bakunike amanyathelo ekufuneka uwathathe.
Kuyinyani ukuba kuya kuthatha ixesha ukuyisombulula. Kodwa ukuba ikwintando yakho, eyona nto ikhuselekileyo kukuba, xa iphinda ihlaziywa, imali engekahlawulwa iya kungena kuwe.