Umcimbi wento eyi eyona mali yotyalo mali iye yaziwa kakhulu ngokuhamba kwexesha kuba uhlobo lotyalo-mali Ibe yenye yezona zinamandla kwihlabathi lezoqoqosho. Ukutyala imali iimveliso ezintsha kunye nohlobo lomngcipheko abaninzi namhlanje, benze abantu abaninzi bathatha isigqibo sokufuduka iimveliso ezilondolozayo ngakumbi ezinjengengxowa mali.
Ukufikelela Utyalomali oluqinisekisiweyoNgokwesiqhelo kuya kufuneka uphendule kwiprofayile ethile engenabantu abaninzi, kwaye ngoku izinto ziya zisiba nzima ngakumbi, ukusukela nge Inzuzo yedipozithi emhlabeni kunye nokuphuculwa kwexesha elifutshane.
Ngokucacileyo, imali yotyalo-mali eqinisekisiweyo, ngazo zonke iindlela onokukhetha kuzo, phendula kwifayile iprofayile ethile yomsebenzisi, kodwa, ngexesha elinje ngoku, kunye Inzuzo yeediphozithi kwimigangatho kwaye ambalwa amathuba okuphuculwa kwixesha elifutshane, akukho bambalwa abasindisi abajika amehlo abo kwezi mveliso zotyalo-mali.
Ukuba ufuna ukuqesha Ingxowa-mali eqinisekisiweyo, Ngaphambi kokwenza njalo siza kuthetha nawe malunga 6 amanqaku aphambili ekufuneka uyazi ukuze yonke into ivele ngendlela eyiyo.
Ezona Mali zoTyalo mali ziQinisekisiweyo
Ngaba imali yotyalo-mali eqinisekisiweyo inomdla nini?
Iimali eziqinisekisiweyo zotyalo-mali azilungelanga wonke umntu, ke kufuneka ithathelwe ingqalelo Iprofayile yomgcini. Kuya kufuneka uyazi ukuba unayo ikamva kutyalo-mali lomntu okhankanyiweyo okanye oza kulibala njengo imveliso yebhanki yesibini.
Iingcali zicebisa abantu abaqala ngemali eqinisekisiweyo ukuba bangaqali ngokwemiqathango engaphaya kweminyaka emi-5. Kungenxa yokuba kwimeko yangoku kunye neemarike njengoko zinikezelwe, kungcono musa ukugembula kuguquko lwexesha elide xa iqala.
Isibheno se iintlobo zotyalo-mali oluqinisekisiweyo Kungenxa yeemeko ezinikezelayo. Ngokwesiqhelo into ebaluleke kakhulu ithathelwa ingqalelo kwaye leyo kukuba ibhanki iqinisekisa uninzi lwenkunzi, kuba kungenjalo, ibhanki ethe ayizukukwazi ukusinika nantoni na esithandayo. Izinto ezininzi, ukuze zinike ubuninzi beemveliso kubantu abaninzi ngakumbi, zinika iimeko zibonakala kakhulu iiseva ezithi xa zibonwa kufutshane zingabi luncedo njengoko bekucingelwa ekuqaleni.
La ubuqhetseba ekukhetheni kwamaxabiso okanye umda wokunyuka ahlala rhoqo kwaye ahlala edlala ngokuchasene nomntu o thenga utyalo-mali.
Kuya kufuneka ulumke kakhulu Izabelo ezibuyisiweyo ngaphambi kokuphelelwa yisikhathi, kuba ezo aziqinisekiswanga. Oku kuthetha ukuba ixabiso leasethi elisetyenzisiweyo kwintlawulelo linokuba ngaphantsi kune Amandla okuhlala aqinisekisiweyo.
Oku kuthetha ukuba akukho nanye kwezi mali enokubakho kuhlangula ngaphambi kokuvuthwa ngaphandle kokuphulukana nemali.
IiKhomishini kwiingxowa-mali eziqinisekisiweyo
Xa kuza ku tyala imali kwiimali eziqinisekisiweyo, iikhomishini ezikwingxowa-mali yenye yezona zinto zibalulekileyo ekufuneka sizazi. Ukongeza, lelinye lawona macandelo alahlekisayo, kuba nangona ekuqaleni bejongeka benamanzi, ekuhambeni kwexesha bade babe ngumthwalo omkhulu kwinzuzo encinci efumaneka kubo. Eyona mali imbi kakhulu yeyolondolozo apho inzuzo yenye yezona ziphantsi kwimarike. Ke, kufuneka sigxile ngakumbi kunakuqala kwii-commissions zemveliso, zezona zinokusinika iingxaki ekuhambeni kwexesha.
Ngokukodwa, ezi mveliso zibonisa Iindidi ezine zekhomishini:
- Ezo zolawulo, apho ubuninzi bunokuhlawuliswa ngonyaka nge-2,25 yokulingana
- Ikhomishini yobhaliso, apho iikhomishini zokungena zibonwa nje ukuba unyaka wokuqala uphelile kwaye ufikelela kwi-5%.
- Iikomishini zokubuyiselwa kwemali apho imali inokurhoxiswa ngaphambi kokuphela kwesiqinisekiso kwaye ikwanazo neepesenti eziphezulu
- Iikhomishini zedipozithi apho i-0.20 ngonyaka iyonwabele kwikomkhulu elityaliweyo.
Unyango lwerhafu lweemali zotyalo mali
Ngokumalunga nonyango lwerhafu, kufuneka sithathele ingqalelo enye yezona zinto zibaluleke kakhulu kwaye kukuba ayifani Uhlaziyo olutsha lwe-IRPF. Oku kubonakalisa inzuzo enkulu kubo bonke abagcini-mali abasebenzisa imali-mali, nangaphezulu kweedipozithi okanye nayiphi na imveliso yezemali. Ukongeza, banokwenziwa Utyalomali lotshintshiselwano ngaphandle kokuhlawula irhafu.
Irhafu ayiqhutywa kude kube ngumzuzu apho ukubuyiselwa kwemali kusebenze kwaye umthwalo werhafu uhanjiswe ukuze izixa ezityaliweyo zilahlwe. Ngokuchasene noko kwenzeka ntoni iimveliso zokonga kunye notyalo-mali.
Into ebalulekileyo ekufuneka ithathelwe ingqalelo, engatshintshanga nge Uhlaziyo lwe-IRPF kwaye yintoni inzuzo enkulu ye iimali zotyalo-mali ngaphezu kweedipozithi kunye nezinye iimveliso zezezimali ezifanayo, yinto enokwenzeka yokwenza ugqithiselo phakathi kweemali zotyalo-mali ngaphandle kwesidingo sokuhlawula irhafu. Irhafu yenzeka kuphela xa Ukubuyiselwa kwemali yezabelo zotyalo mali kwaye ngale ndlela umthwalo werhafu ushenxiswa kude kube kukuchithwa kokugqibela kwezixa otyalwe kuzo, ngokungafaniyo noko kwenzekayo nolunye ugcino kunye neemveliso zotyalo mali.
Ingxowa mali eqinisekisiweyo yotyalo mali
Ngaphandle kokungabikho kwenye iintlobo zeemali ezikhethwe kakhulu ngabantu ifuna ukugcina, imali eqinisekisiweyo ihlala iphambili phantse kuwo onke amaziko.
Lixesha elifanelekileyo lokuqasha olu hlobo lwemali
Ngenxa yotshintsho kuqoqosho lwangoku, Ayisiyeyona ifanelekileyo yokufumana imali eqinisekisiweyo ngeli xesha, kodwa uninzi lweenkampani zemali zilungisa inkqubo yazo ukuze zikwazi ukufikelela kwi-Intanethi. Ezona mali zotyalo mali zilungileyo ngalo mzuzu zikwi Imali eqinisekisiweyo ye-BBVA ngezindululo ezinkulu kunye nezibonelelo zabo bonke abathengi nakwizibonelelo ze Iimali eziqinisekisiweyo ezibonelelwa ngu-la Caixa. Zombini ziyaqhubeka nokuba phezulu kwiimali zotyalo-mali nakwiziko, ziyaqhubeka njengemveliso yenkwenkwezi.
Kwezi meko, iprofayile yomntu onokuqesha olu hlobo lwemveliso yeyokugcina ngolondolozo angafuni ukuthatha umngcipheko nangaluphi na uhlobo ngemali yakhe kwaye akafuni ukuyinika ukuhamba okuninzi ukuze angayi ngokusebenzisa umngcipheko ongenakucinga ngenene.
Utyalomali mali bbva
- Umsebenzi ozinzileyo. Iimali zeBBVA zotyalo-mali ezinembuyekezo emiselweyo zikunika isiqinisekiso sokuba ubuncinci ixabiso elithile leasethi okanye inzuzo iyafumaneka ngexesha elithile.
- Isicwangciso sengeniso esisigxina. Kwimali yotyalo-mali emiselweyo, abantu abaqeshayo bafuna ukufumana izibonelelo kwintlawulo ngokohlobo lwengeniso yamaxesha athile ngohlobo lwesiqinisekiso esiphindwe kabini kwi-BBVA. Oku kubhekisa kwi-100% yengeniso eyinkunzi nakwingeniso yekota.
- Ukusebenza okungafaniyo. Ezi mali zotyalo-mali ezineziqinisekiso eziguquguqukayo ziyasiqinisekisa ukuba luyakubakho kwakhona utyalomali olwenziweyo ekuqaleni kwaye nenxalenye edibene nokudaleka kwezabelo okanye nayiphi na enye impahla, kubandakanya nemali.
- Isiqinisekiso esithile. Olu hlobo lwengxowa-mali luthembisa umgcini ipesenti ephezulu yenkunzi-mali ayinike ekuqaleni kwaye kufanele ukuba ibe kufutshane kuma-95%. Ukongeza, kufuneka kudityaniswe ixabiso lokubuya eliguqukayo elifunyenwe ngexesha lesiqinisekiso kwaye linxulunyaniswe ngokupheleleyo nokuvela kwesalathiso sesitokhwe.
Iimali ze-La Caixa zotyalo-mali
Kwi la Caixa iimali zotyalo-mali uzakufumana:
- Ulawulo olukhethekileyo kwimarike enciphisa umngcipheko ngeendleko eziphantsi kakhulu.
- Kukho ukufikelela kwiimarike apho umthengi ebengenako ukutyala imali ngaphandle kwezixhobo ezibonelelwa liziko.
- Bonke abathathi-nxaxheba banakho ukutyala imali okanye ukuntywila kwincinci encinci ukuya kwiimali ezinkulu kakhulu.
- Utywala lweeyure ezingama-24 ukuya kwezingama-48 zeemali zeCaixa.
- Ungatshintsha ukusuka kwenye ingxowa-mali uye kwenye ngaphandle kwemithwalo yerhafu
- Ungathembela kulwazi lotyalo-mali kunye neengcebiso kubaxhasi ngendlela engaphazanyiswanga.
Khumbula ukwahlula kakuhle phakathi kweemali ekujoliswe kuzo zokukhula kunye neengxowa-mali apho iphothifoliyo ihlaziywa rhoqo. Nangona kunjalo, unako thengisani kwaye nithenge imali efanayo ngexesha olibona lifanelekile.