Eyona nkcazo ichanekileyo yokuba ingantoni na xa sithetha ngamandla okuthenga ubudlelwane phakathi komthamo kunye nobungakanani bokuthenga umntu anokuyenza ngesixa esithile semali. Namhlanje, umxholo wokuthenga amandla uthatha ukubaluleka okukhethekileyo. Esona sizathu siphambili kukunyuka kwamaxabiso, okuhlala kunxulumene neendleko zamaxabiso abathengi, i-CPI, okanye ukunyuka kwamaxabiso.
Into enomdla kukuba ukuqonda ukuba yintoni into yokuthenga kwaye isebenza njani, singathatha amanyathelo okuyinyusa. Ngokucacileyo, kuba inxulumene, umvuzo ongcono uyanceda ukuba namandla amakhulu okuthenga. Kodwa ayibalulekanga. Ngokwenene, kunye nomzamo, njengayo yonke into, nabani na angathatha amanyathelo okwandisa nokuphucula imeko yabo malunga noku. Ukwenza oku, siza kunikezela eli nqaku ekuqondeni okungcono kwamandla okuthenga ukukunceda wenze izigqibo oya kuthi ke ukwazi ukukhulisa.
Yintoni amandla okuthenga?
Amandla okuthenga amiselwa sisixa sempahla kunye neenkonzo ezinokuthengwa ngesixa semali osinikiweyo. Oku kuveze ixabiso lomntu ngamnye kubo. Le ngcamango inxibelelene ngqo nexabiso lengqekembe. Ke, ekuhambeni kwexesha, amaxabiso athanda ukwehla, ahlala enyuka, esenza iimveliso zibize kakhulu. Le nto inokwenzeka ngenxa yokwehla ngokuthe ngcembe kwemali.
Njengoko kulinganiswe?
Ukuze ukwazi ukulandelela indlela ezichaphazela ngayo iindleko zokuphila, Isalathiso sexabiso labathengi sithathelwa ingqalelo. Isalathiso sobunzima esibandakanya iseti yamaxabiso kwimpahla kunye neenkonzo abathengi abazithengayo rhoqo. Ngale ndlela, ubunzima obenziweyo bunokuthelekiswa nobuthathwe ngaphambili kwaye bunokumisela ukonyuka okanye ukwehla kwamaxabiso. Ndiyabulela kweli nqanaba, amandla okuthenga abathengi anokugqitywa.
Imizekelo yamandla okuthenga
Zinokubakho iimeko ezimbini apho amandla okuthenga anokutshintsha ngokuhamba kwexesha. Kwenye yazo kukuba iyancipha, eyona inokwenzeka, okanye iyanda, eyenzeka ngamanye amaxesha.
- Ukuncipha. Inokubangelwa zizinto ezimbini. Okwangoku ukunyuka kwamaxabiso eemveliso, ukuya kuthotyelo lwemali, okanye zombini. Ukuqonda ngcono ukuba zombini izinto zichaphazela njani, masicinge ngale meko ilandelayo. Masicinge ukuba umntu onomvuzo we-1.200 ye-euro ngenyanga ufuna ukuthenga iimveliso kwivenkile yesebe. Lonke ixabiso lixabisa i-euro ezingama-600. Okokugqibela, emva kweenyanga ezimbalwa kwa ezo mveliso ziye zabiza i-euro ezingama-800, kodwa nangona kunjalo umvuzo wakhe awukatshintshi kwaye uhlala kwi-1.200 euro. Into eyenzekileyo kukuba uphulukene namandla akhe okuthenga, kananjalo nokuqwalaselwa. Kwimeko yokuqala, wayenemali efanelekileyo eshiyekileyo yokuthenga zonke iimveliso kwakhona. Kwimeko yesibini, ubuya kwanela ukuthenga iipesenti ezingama-50 kuphela.
- Nyusa. Ngokuchasene nemeko yangaphambili, ukwanda kwamandla okuthenga kunokubangelwa Ukunciphisa iimveliso okanye uhlaziyo lwemali. Inyaniso yokuba iimveliso zinokubiza ngaphezulu okanye ngaphantsi, ngaphaya kwexabiso lemali, zihlala zibangelwa kukubonelelwa kunye nemfuno. Imfuno enkulu iya kubangela ukwanda kwamaxabiso, kwaye ubonelelo olukhulu luya kubenza bangabizi kakhulu. Ke, kule meko, umntu onomvuzo we-1.200 euro wasebenzisa i-euro ezingama-600, unokufumanisa ukuba kwiinyanga ezimbalwa iimveliso ezifanayo zibiza ii-euro ezingama-400.
Iindlela kunye neendlela zokonyusa amandla okuthenga
Ukuze wandise okanye ulondoloze amandla okuthenga, ekwabalulekile, kunjalo ngokufumana notyalo-mali. Utyalo-mali lunokubakho kumashishini anganyangekiyo kutshintsho lwamaxabiso, esitokisini, kwintelekelelo ngezinto zokwenza izinto, iibhondi, njl. Ukufunyanwa kunokubabini kwi ukuthengisa izindlu nomhlaba okanye izinto ezinomdla wokuxabisa ixesha elingaphezulu okanye ugcine ixabiso layo.
Masithi ukunyuka kwamaxabiso kuhlala kunyuka nge-2%. Ukuba sigcine imali ngohlobo lokonga ebhankini ngaphandle kokuyisebenzisa, siyakubona ilahleko yamandla okuthenga alingana nokwanda kwe-CPI. Ngokuchasene noko, ukuba iarhente yokuthengisa izindlu nomhlaba ithambekele ekunyukeni kwexabiso elilingana ne-CPI, umzekelo, besingayi kubona kuncipha kwamandla okuthenga. Ngesi sizathu, kubalulekile ukugcina amandla okuthenga, okanye kule meko, ulondolozo olufunyenwe kwimivuzo.
Nangona kunjalo, akusoloko kulula okanye kufikeleleka kuye wonke umntu ukufikelela kwiarhente yokuthengisa izindlu nomhlaba, kwaye koku sinokufikelela kwezinye iimveliso, ezingakhuselekanga ngokulinganayo kwaye zingena mngcipheko, ezinje ngemakethi yesitokhwe. Singafikelela izibophelelo ezinxulumene nokunyuka kwamaxabiso, ezibizwa ngokuba yi-TIPS, okanye izitokisi. Iinkampani ezininzi zinokuyinciphisa inzuzo yazo ukuba abathengi bazo bafumana ilahleko yamandla okuthenga. Kuhlala kusithiwa amasheya amelana nexabiso lentengo umzekelo, kwaye ayiyonyani, ubuncinci ayisiyiyo yonke okanye kwixesha elifutshane. Nangona kunjalo, ezinye izinto zokutya zabathengi ezinje ngokutya zinokuhamba ngcono kwezi meko. Ngokusisiseko kuba abantu abayeki ukutya.
Umzekelo wendlela yokonga okanye yokwandisa amandla okuthenga
Okwangoku siphila a imeko yexabiso lentengo ngenxa yengxaki yamandla. Ukunqongophala konikezelo ngegesi kunye nokunyuka ngokubanzi kwamaxabiso ezinto ezingafunekiyo kuqhuba amaxabiso abathengi. Ayisiyo yabemi kuphela abayibonayo imiphumela yayo, iinkampani ezininzi ziyekile imveliso yazo kwaye abanye bayabonwa okanye baya kunyanzelwa ukuba banyuse ixabiso leemveliso zabo. Umzekelo, lowo wokutya. Isicwangciso sokukwazi ukugcina amandla okuthenga namhlanje siza kuba Hlalutya iinkampani ezinikele ekusebenziseni ukutya. Njengoko besesitshilo ngaphambili, zihlala zinqabile kwingxaki, ngendlela yokuba abantu abazukuyeka ukusebenzisa.
Izigqibo
Ukunyuka okanye ukwehla kwamandla okuthenga kuyinto eqhelekileyo kwaye iphindaphindeka. Logama ingekho ngaphezulu kwaye ingalawulwa, kukho iindlela zokungalahleki. Ukukhangela umvuzo ongcono, umsebenzi ongcono, utyalo-mali, okanye ukuthenga, kunokunceda ukugcina amandla okuthenga okujoliswe ekulondolozeni ngendlela yokonga.
Ndiyathemba ukuba ukwazile ukufumana impendulo kumathandabuzo onokuba nawo malunga namandla okuthenga. Kwaye khumbula, zonke izigqibo mazicazululwe kwaye ngokweemeko zakho. Akukho mizekelo okanye izimvo (kubandakanya nezo zikule blog) kufuneka zithathwe njengezindululo. Ikamva aliqinisekanga, kwaye iimeko zinokwahluka okanye zitshintshe.
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