Ngaba kuyinzuzo ukubhalisa isicwangciso sepenshini ndisemncinci kakhulu?

Ewe luninzi utyalo-mali. Kwaye enye yazo isekwe ekulungiseleleni umhlala-phantsi wakho umncinci kakhulu. Ukuze ngale ndlela, bakwimeko elungileyo yokufumana ingeniso ephezulu ngexesha leminyaka yobomi bakho yegolide. Ayinamsebenzi ukuba awukabi nawo ama-30 eminyaka ubudala. Ungabhalisa isicwangciso sepenshini ngokusekelwe kwingeniso onayo inyanga nenyanga. Apho uyiqesha kwangethuba, kokukhona umvuzo wakho uya kuba phezulu xa uthatha umhlalaphantsi. Nangona umbuzo ophakamayo ngalo mzuzu ukuba ngaba ngenene ngumsebenzi onenzuzo usemncinci kangaka.

Kule meko ngokubanzi, kuya kufuneka ukhumbule ukuba ngeli xesha umhlala-phantsi waseSpain yi-1.098 ye-euro, Ngokwedatha yamva nje equlunqwe nguNobhala Welizwe Wokhuseleko Loluntu. Kuyinyani ukuba iseninzi iminyaka eshiyekileyo ukuba ufikelele kule meko. Kodwa hayi ukuyibona kwangaphambili kwaye ujongane nayo njengotyalo-mali lwantlandlolo olumiselwe ixesha elide. Ngaphezulu kwamanye amacebo akhawulezileyo amelwe ekuthengweni nasekuthengisweni kwezabelo kwiimarike zezabelo. Ngayiphi na imeko, yenye yeendlela ezizezinye onazo ukusukela ngoku ukwenza ukonga kunenzuzo. Nangona ngokwembono eyahlukileyo kuneenkqubo zesiko.

Kuba ngaphezulu kwako konke, kuyinto eqhelekileyo ukuba iinjongo zakho zemali zijolise ekwandiseni ibhalansi yeakhawunti yakho yokujonga. Kodwa okwangoku, ungazidibanisa zombini buchule ngendlela enengqiqo kwaye kuxhomekeke kumathuba akho emali. Nangona ngokuqinisekileyo kuya kuba nzima kuwe ukuba uthathe iminyaka emininzi oyishiyele lo mzuzu ukhethekileyo ebomini bakho ukuba ufike. Kungenxa yokuba usenomsebenzi omde wobugcisa ophambi kwakho. Kodwa ukuba nokubona kude akuyi kukwenzakalisa, kuya kuba njalo iya kuba sisisombululo kwinto enokubakho kwikamva. Nokuba umhlala-phantsi woluntu uncitshiswe kakhulu kule minyaka imbalwa izayo. Apho nantoni na enokwenzeka kuxhomekeke kwindaleko yezoqoqosho, kuzwelonke nakwimida yethu.

Ingaba isicwangciso sepenshini sinaliphi igalelo?

Imveliso enalezi mpawu ikubonelela ngendlela engaqhelekanga yokwenza ukonga ixesha elide. Ukuze emva kweminyaka ufumane inqanaba lenzala ngengeniso eveliswe ngezicwangciso zepenshini. Kodwa ngoncedo onokulufumana kulo modeli yokonga irhafu iminyaka emininzi. Kwaye ngokukodwa ngoku ukuba umncinci kwaye kuya kufuneka uhlawule imali eninzi yakho iimbopheleleko zerhafu. Elinye lamagalelo akhe afanelekileyo kukuba uza kufika kwiimeko ezingcono xa uthatha umhlalaphantsi. Ngomvuzo njengoncediso kwipenshini yoluntu ehambelana nawe kwiminyaka oyisebenzileyo.

Ukusuka kwiindlela ezithile ezizakuthi zibe nenjongo yazo ukukhuthaza ukonga. Ukuze ukusukela ngoku wabela isahlulo somvuzo kule njongo. Akunyanzelekanga ukuba ibe sisixa esikhulu, kodwa ekubeni umncinci, ubuncinci kubo buya kwanela. Ngoncedo olongezelelekileyo onokuthi uluhlule olu lwabiwo ngokusekwe kwiimfuno zakho zemali Ngokungafaniyo nokwenzekayo nenxalenye elungileyo yeemveliso zezemali (imarike yemasheya, iimali ezithengiswayo, iimvume, ukuthengisa ngetyala, njl. Apho kuya kufuneka uhlengahlengiso kutyalo-mali lokuqala apho ungayi kuba nakho ukuphambuka. Enye into elungileyo ngokuqesha isicwangciso sepenshini kukuba uya kuphelisa indawo enkulu yeekhomishini kunye neendleko zolawulo zezi fomathi zokonga notyalo mali.

Inzuzo yezi mveliso

Eli lixesha lokuba uzibuze enye yezona zinto zibalulekileyo ukuseka isigqibo sakho. Kwaye ayiyonto yimbi ngaphandle kwembuyekezo enikezelwa sisicwangciso sepenshini kwimali oyongileyo. Okokuqala, kuya kufuneka ukhumbule ukuba musa ukuvelisa inzala emiselweyo okanye eqinisekisiweyo. Kodwa, ngokuchaseneyo, baya kuba ngeendleko zoko kuyalelwa ziimarike zezemali. Nangona kunjalo, ibonelela ngenzuzo yomndilili yonyaka ejikeleza phakathi kwe-4% kunye ne-6%, kuxhomekeka kwiifomathi ezikhethiweyo mzuzu ngamnye. Nangona kunjalo ayisiyiyo kuphela le nto iya kufaneleka ukuvavanya okanye hayi ukubhalisa kwakho. Kodwa ezinye zinohlobo olwahlukileyo, kodwa ngokuthatha isigqibo ngokulinganayo ngekamva.

Enye yazo iyaqhubeka evumela ukuba ukhethe iimodeli ezahlukeneyo kutyalo-mali. Ukusuka kweyona modeli iqhelekileyo ukusuka kwiimarike zengeniso esisigxina ukuya kwezona zifuna ukulingana Ngaphandle kokulibala ezinye iindlela ezicacileyo ezijolise kwiprofayile yomsebenzisi echazwe ngakumbi. Kuzo zombini ezi meko, ayisiyomveliso engqongqo apho kuya kufuneka uzinciphise kwimodeli yolawulo enye. Kodwa unayo yonke into eyahlukileyo onokuziqhelanisa nayo, hayi kuphela indlela yakho yokuphila, kodwa kwinto oyifunayo xa ilixesha lokushiya ilizwe lomsebenzi.

Ukuhlangulwa nangawuphi na umzuzu

Elinye lawona magalelo afanelekileyo esicwangciso sepenshini lihlala kwinto yokuba zikuvumela ukuba uhlawulele amagalelo ezoqoqosho nangaliphi na ixesha nakwiyiphi na imeko. Ukujongana neemfuno kubomi bakho buqu okanye bosapho. Umzekelo, hlawula ityala kubantu besithathu, uthathe uhambo kunye nabahlobo okanye ujongane nokuhlawulwa kwemali mboleko yakho yobambiso. Kungenxa yokuba enye yeempawu zezi mveliso zezemali kukuba ungakwenza oku kwiimeko ezizodwa kakhulu. Njengakwimeko yentswela-ngqesho, ukukhubazeka okanye ukugula kakhulu. Ukusuka kolu luvo, yimveliso enokukunceda ukuba ulindele iimeko ezingafunekiyo ezinokuthi zithathe umthwalo kubo ebomini bakho. Ayothusi into yokuba uneminyaka emininzi ngaphambili.

Njengento engeyiyo, kuya kufuneka uthembe iikhomishini ekuya kufuneka bajongane nazo xa besenza le fomathi yolondolozo ngokusemthethweni. Kunye Elona zinga liphezulu lifikelela kwi-1,50%. Ngayiphi na imeko, ziya kuhlala zisezantsi kunezo zifakwe kutyalo mali, ezinokunyuka ziye ngaphezulu kancinci kune-2%. Ngayiphi na imeko, kuya kufuneka uhlalutye ukuba ngaba ezohlwayo ziya kulunga ukuthatha. Kuba ngenxa yoku awuzukukhetha ngaphandle kokuhlalutya ingxelo yakho yomvuzo. Kungenxa yokuba unokufikelela kwisigqibo sokuba kusekutsha kakhulu ukuba unikezele ngezixhobo ezininzi kwiplani yepenshini. Apho kuyakufuneka uthathe isigqibo, ngenye indlela okanye enye.

Izicwangciso ezinomdla oqinisekileyo

Iindaba ezimnandi zokumiselwa ngokusesikweni kukuba unokukhetha isicwangciso sepenshini ngokusebenza okuqinisekileyo. Ngemida ehamba kumgca obanzi kakhulu phakathi kwe-2% kunye ne-4%. Iya kuba ngumdla oya kuqokelela kancinci kancinci kwaye kuya kufuneka ulinde de kube lixesha lokuthatha umhlala-phantsi. Kwelinye icala, le midla iya kuyonyusa imali de ifike le meko yentlalo. Kodwa ngesibonelelo esongeziweyo sokuba awuzukuhlawula nayiphi na i-euro kunyango lwerhafu. Ayilolize, yinto ekufuneka uyixabisile xa kunokwenzeka ukuba uyenze ukusukela ngoku.

Uya kuba nembuyekezo eqinisekisiweyo kuphela kwizicwangciso zepenshini. Ezo kufuneka ukhethe ukuba iprofayile oyivezayo yeyomtyali mali olondolozayo okanye okhuselayo. Ukongeza, kuya kufuneka uvavanye ukuba ngaba ivelisa izibonelelo ngakumbi kunezinye iimveliso zemali. Njengomzekelo, kwi mali mali Iimpawu ezikhoyo zifana kakhulu nezi sithetha ngazo. Zombini ngokwendlela ezisebenza ngayo kunye nolwakhiwo lwesikhundla sotyalomali. Ngumahluko kuphela onokubahlangula ngalo naliphi na ixesha. Ngaphandle kwalo naluphi na uhlobo lwezohlwayo okanye inkcitho kulawulo okanye kulondolozo.

Ukuphuculwa kwerhafu kwizicwangciso

Le mveliso yenzelwe umhlala-phantsi ibonakaliswe ngokusisiseko kuba ukuba uhlawula i-2.000 euro uya kuyifumana loo nto isiseko serhafu sincitshisiwe. Ukuziqhelanisa kuthetha ukuba kuya kufuneka uzinikele kwimali encinci yokuhlawula irhafu. Ukuya kwinqanaba lokuba kunokuba ngumsebenzi olungileyo ukukhusela umdla wakho ukusukela ngoku. Kwelinye icala, akufuneki ulibale. Ayothusi into yokuba uyakuba kwimeko yokuvelisa ukonga irhafu, ngokusekelwe kwintsebenzo yakho emsebenzini. Oko kunokufikelela kwisixa esifikelela kwi-euro ezingama-1.000 XNUMX. Le yenye yeendlela ekufuneka ujongane nazo malunga nokuba ungabhalisi kwisicwangciso somhlala-phantsi ngoku.

Kuba ungalibali, ngesicwangciso somhlala-phantsi awunakutsala imali oyongileyo, kodwa ngokuchaseneyo akufuneki ubhengeze de ihlawulwe. Enye yeenzuzo zayo ezintle kwaye ezinye iimveliso aziboneleli ngotyalo mali. Nokuba umncinci kakhulu, le miqathango inokuba nomdla kuwe nangona ungayisebenzisi imali de kube lixesha lokuthatha umhlalaphantsi. Ekugqibeleni, yonke into iya kuxhomekeka kwimeko yakho kwaye ayizukuhlala ifana kuwo onke amaxesha. Nangona uya kuba nokhuseleko olukhulu ukuze kule minyaka yegolide ube nengeniso enamandla ngakumbi kunaleyo unelungelo kuyo emsebenzini wakho. Nangona inye into ethile, ayiloxesha lifanelekileyo lokuyirhumela ngenxa yokungaqiniseki kweemarike zezemali.