Ngaba ucinga ukuba lixesha lokuqesha isicwangciso sepenshini?

ipensheni

Ngo-Epreli, uninzi lwee-indices eziphambili zeentengiso zesitokhwe zivaliwe ngenyanga ngoxabiso, ukuvumela izicwangciso zepenshini ngokubhengeza ngakumbi kwisitokhwe ukuze sibe namava. ukubuya okuhleNgokwedatha yamva nje ebonelelwe nguMbutho waMaziko aTyala imali kuTyalomali kunye neNgxowa-mali yomhlala-phantsi (Inverco). Apho kuboniswa khona ukuba inzuzo yangaphakathi yesicwangciso sengeniso esaguquguqukayo ibiyi-4,62% kwaye ezo zicwangciso ezixubeneyo zengeniso yayiyi-1,29%.

Le ngxelo ikwabonisa ukuba kwixesha elide, izicwangciso zepenshini zomntu ngamnye zibhalisa i-avareji yenzuzo yonyaka (inkcitho yenkcitho kunye nekhomishini) ye-3,61% kwaye, kwixesha eliphakathi (5 kunye ne-10 leminyaka), babonisa Inzuzo ye-1,97% kunye ne-3,50%, ngokulandelelana. Ngelixa kwelinye icala, kugxininisiwe ukuba umthamo oqikelelweyo wegalelo kunye nezibonelelo ngenyanga ka-Epreli ziya kuba: igalelo elipheleleyo le-192,4 yezigidi zeerandi kunye nezibonelelo ezipheleleyo ze-193,1 yezigidi zeerandi, ngesixa sezibonelelo zeNet zenyanga ukufikelela kwi-0,8 yezigidi ze-euro.

Ngelixa kwelinye icala, kufuneka kugxininiswe ukuba olu hlobo lotyalo-mali lujolise kulo ukuxhasa inkqubo yomhlala-phantsi yoluntu ngexesha lokuthatha umhlalaphantsi. Ngenzuzo ebonakalayo yokuba ngumthathi-nxaxheba ngokwakhe okhetha iminikelo ekufuneka yenziwe kwizicwangciso zepenshini. Ukusuka kumanani athobekileyo ukuya kwabanye afunwa ngenene kwaye ahlala exhomekeke kulindelo lokuqokelela umhlala phantsi kwiminyaka yegolide yobomi bakho. Apho, njengoko kukhankanyiwe nguMbutho waMaziko oTyalo-mali aHlangeneyo kunye neNgxowa-mali yomhlala-phantsi, iyimveliso yezemali ethi inyanzeliswe ngabantu.

Izicwangciso zepenshini: ukubaqesha nini?

iindiza

Umathandabuzo wokuqala ohlasela abanini bale mveliso emiselwe umhlala-phantsi kuxa kufuneka beyirhumele. Kule nkalo, ewe, akukho mithetho iqingqiweyo kwaye ingqongqo kakhulu, yiyo loo nto ibonelela nge- bhetyebhetye ngakumbi kwiminqweno yabantu abathathe umhlala-phantsi. Kungenxa yokuba, inokwenziwa nangaliphi na ixesha kwaye ngaphandle kokuthintelwa kwexesha. Ukusuka kolu luvo, kulula ukuba wazi ukuba izicwangciso zepenshini ziyimveliso evulelekileyo kuyo nayiphi na iprofayili yabasindisi abancinci nabaphakathi. Ngamanye amagama, akukho luhlobo lwezithintelo xa kufikwa kulo mbandela.

Kuyo nayiphi na imeko, ukuze isicwangciso somhlala-phantsi sibe nengeniso engaphezulu, kuya kufuneka senziwe ngokusesikweni ngokukhawuleza. Kwaye hayi xa kusele nje iminyaka embalwa ngaphambi kokuba uthathe umhlala-phantsi, kuba akukho mathandabuzo ukuba inzuzo yakho iya kuba sezantsi kakhulu. Ngale ndlela, ukubhalisela umzekelo isicwangciso sepenshini ngaphezulu kweminyaka engama-50 sisicwangciso esiliqili esihle zikhusele ngokwezimali ukusukela kwiminyaka engama-67. Eli lixesha lokuthatha umhlala-phantsi ukusukela ngonyaka wama-2027 kwaye ke iyakuba yindawo ekubhekiswa kuyo ekufuneka uyenzile ukubala kwimali oyakuyifumana ukusukela ngalo mhla.

Loluphi uhlobo lwemveliso olulungele wena?

Izicwangciso zepenshini, njengemali yotyalo-mali, zinokuba zezendidi ezahlukeneyo. Kuba, enyanisweni, kukho izicwangciso zepenshini ezisekwe kwingeniso eguqukayo, ingeniso esisigxina, yohlobo oluxubekileyo kunye neemodeli ezibizwa ngokuba zezinye. Inzuzo yabo iya kuxhomekeka kwindlela abaphendula ngayo okanye abaguquka ngayo kwiimarike zabo zemali. Kuya kufuneka uthathe njengomthombo wesalathiso ukumisela imeko yakho yenzuzo ye-10, 20, 25 okanye nangaphezulu. Apho isivuno esiqhelekileyo sinokubalwa malunga ne-5% okanye i-6%, nangona ekupheleni kosuku kuya kuxhomekeka kwizinto ezininzi eziya kuba yinto yolunye unyango kulwazi.

Ngayiphi na imeko, ukuba uyi iprofayili yokuzikhusela okanye ekhuselekileyo Eyona nto isengqiqweni kukuba ubhalise isicwangciso somhlala-phantsi esisigxina, apho umngcipheko uya kuncipha kakhulu. Nangona kwelinye icala, ayinakulityalwa ukuba inzala iya kuncitshiswa kakhulu kwaye ingabinakho ukudlula amanqanaba ajikeleze i-7%, umzekelo. Kuyo nayiphi na imeko, ukhetho luya kuxhomekeka kwimali ofuna ukuyonga ukusukela ngoku ukuya phambili kwaye ufuna ukuba isongezelelo kwi pension sibeyintoni. Ukusuka kule ndawo yokujonga, isicwangciso sempesheni sinokuba ndlongondlongo okanye simodareyithe kwaye kuxhomekeke koku, khetha eyona modeli ilungileyo kwintengiso.

Ndiza kuba nayiphi ipenshini?

dolophu

Alithandabuzeki elokuba ukwazi ipenshini oza kuyifumana ukusuka kuma-67 kubaluleke kakhulu ukumisela ukuba yeyiphi na iplani yomhlala-phantsi ekufuneka uyenze ngokusesikweni ukusukela ngoku. Kuba ayifani nokufumana ipenshini yomhlala-phantsi ye-1.500 euro ngenyanga kune-a ipenshini engenagalelo kwaye isixa semali sayo sifikelela kancinci kwi-euro ezingama-450 qho ngenyanga. Kwimeko yokugqibela, awunakukhetha ngaphandle kokuyomeleza ngogcino olugcinwe kwiplani yepenshini, nokuba injani na. Ukuya kuthi ga ngokusemandleni akho, ubuncinci, ube nengeniso ye-900 euro rhoqo ngenyanga. Nje ukuba ingeniso evela kumhlala-phantsi ongafakwanga galelo kunye nezo ziveliswe ngokungena kwimvumelwano nale mveliso yemali zongeziwe.

Enye into ekufuneka uyivavanye kulungelelwaniso lwayo yile inento yokwenza nemali onakho ukuyenza yabela le mveliso yemali. Iya kuxhomekeka kumvuzo owufumana inyanga nenyanga kwaye hayi kuzo zonke iimeko imeko efanayo kunye nesidingo siyakwenzeka, njengoko kulula ukuyiqonda ngokwembono yabasebenzisi. Ukunyuka kwegalelo lakho, kokukhona uqokelela imali xa kufika ixesha lokugqibela lomhlala phantsi. Ngamanye amagama, ukwenza iinzame zoqoqosho kuya kuhlala kukubuyekeza. Logama unezinto eziyimfuneko zokuhlangabezana nezi ndleko zingalindelwanga kusapho okanye kuhlahlo-lwabiwo mali lwakho.

Yandisa kancinci kancinci

Kukho umthetho wegolide kwizicwangciso zepenshini othi xa ufika umzuzu wokuthatha umhlala-phantsi kuyakufuneka ukuba unyuse inani lakho kwizicwangciso zepenshini. Ukufikelela ubuninzi kwi iminyaka yokugqibela yobomi bakho obusebenzayo. Esi sisicwangciso esiliqili sokuyiphumeza kuba unokucinga ukuba uninzi lwama-euro ongezelelweyo oya kuthi ulufumane kwiminyaka yegolide yobomi bakho. Ekupheleni kosuku yintoni malunga nokufaka isicelo kuso nasiphi na isicwangciso sotyalo mali. Ngaphandle kolunye uthotho lokuqwalaselwa kobuchwephesha kweemveliso zezemali ngokwazo. Kungenxa yokuba le nto imalunga nokufumana umvuzo ophezulu kula maxesha achanekileyo.

Ngelixa kwelinye icala, kukwinqanaba elithile kusengqiqweni ukuba ukuba ubhalise isicwangciso sepenshini kwiminyaka yokugqibela yobomi bakho bokusebenza, baya ngeniso ekhoyo. Ukuze ngale ndlela unyuse izinga lenzala eliya kuveliswa yile mveliso yomhlala phantsi. Nangona olu qikelelo lwenzuzo yalo alunyanzelekanga ukuba luzalisekiswe. Kuba ekugqibeleni iya kuba ziimarike zezemali ezibeka izicwangciso zepenshini kwindawo yazo. Kungenxa yokuba kulula kwaye ukucwangciswa akufanelekanga malunga noku. Hayi kangako.

Yongeza ipenshini yoluntu

dinero

Ukuqesha nasiphi na isicwangciso sempesheni kuneenjongo ezininzi kwaye kufanelekile ukuba uziqwalasele ukusukela ngoku ukuya ekucwangciseni iminyaka yegolide yobomi bakho. Obunye bobuxoki obubaluleke kakhulu kwinto yokuba sisicwangciso-qhinga sokwenyani sokuxhasa ipenshoni yakho yoluntu, nokuba iyancedisa okanye ayinagalelo. Ke unako unamandla amakhulu okuthenga ukusuka kwiminyaka engama-67. Enye yazo kukuba ikuvumela ukuba ube neminye imithombo yengeniso kule minyaka kwaye ke akukho mfuneko yokuba uxhomekeke kwipenshoni enikelwayo. Ukongeza, yinkqubo yokutshatisa umvuzo owawunawo ngaphambi kokufikelela kumhlala-phantsi.

Kwelinye icala, ungalibali ukuba nguwe oza kuthatha isigqibo semali oza kuyifaka kwizicwangciso zepenshini. Ngokufanelekileyo, ungayicwangcisa ngokusekwe kwiimeko zakho kwaye uza kuhlawulisa ntoni ngenkqubo yomhlala-phantsi yoluntu. Ngelixa nangaliphi na ixesha unganyusa okanye unciphise umrhumo okanye endaweni yoko unikezele ngale mveliso yolondolozo yabantu. Ukwazi ukukhetha phakathi kweemodeli ezahlukeneyo ezithengiswa ziibhanki kunye neenkampani zeinshurensi.

Ukusuka kule meko ngokubanzi, zininzi iindlela onokuzenza ukusukela ngoku ukuba iyimveliso eguqukayo. Ezinokuhlengahlengiswa kuzo zonke iimeko ozifumana uzibandakanya nazo, nokuba awuphangeli. Ukusuka kwiiprofayili zomsebenzisi ezahlukileyo ngokupheleleyo kwaye ngokungafaniyo nezinye iimveliso ezi-static ngakumbi kwaye ezingenakulungelelaniswa kwiprofayili yakho njengemfuno yale mveliso yemali. Ngayiphi na imeko, iya kuhlala iluncedo kakhulu ukuyirhumela ukuze ufumane imali eninzi xa ubomi bakho obusebenzayo buphela. Oko kukuthi, ekupheleni kosuku, yintoni ebandakanyekayo kwezi meko zikhethekileyo. Ukwazi ukukhetha phakathi kweemodeli ezahlukeneyo ezithengiswa ziibhanki kunye neenkampani zeinshurensi.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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