Ngaba ukhe wacinga ngokuthatha umhlala-phantsi phambi kwexesha elisemthethweni? Xa usebenze ixesha elide, kuyinto eqhelekileyo ukuba, emva kweminyaka embalwa edlulileyo, ucinge ngokuthatha umhlala-phantsi. Kodwa, Ngaba uyazazi iingxaki zokuthatha umhlala-phantsi?
Ukuba ufuna ukwazi ukuba kubi kangakanani ukuthatha umhlalaphantsi kwangethuba, ukongeza kwinto yokuba uza kufumana imali encinci, siya kuthetha ngayo yonke loo nto. Qhubeka ufunda.
Ukuthatha umhlala-phantsi kancinci, yeka ukusebenza kwangoko
Umhlalaphantsi ongaphelelanga uqondwa njengalowo umntu ongaphezulu kweminyaka engama-60 ubudala anokuthi athathe umhlala-phantsi ngokuyinxenye. Oko kukuthi, uya kuqhubeka esebenza kodwa, endaweni yosuku olupheleleyo, uya kuba nesiqingatha sawo. Ngalo ndlela, umntu unokuqokelela inxalenye yemali yakhe yomhlalaphantsi aze, kwangaxeshanye, aqhubeke esebenza kodwa ngaphantsi kakhulu.
Yinto eqhelekileyo xa kusenziwa izivumelwano zoncedo, oko kukuthi, umsebenzi omdala uba ngumfundisi-ntsapho oqeqeshwayo oya kuthi, ethubeni, abe naloo msebenzi. Nangona kunjalo, inokucelwa ngaphandle kwemfuneko yolu hlobo lwekhontrakthi.
Nangona oku kuthetha ukuqhubeka nokuba negalelo kuKhuseleko lweNtlalo, kwaye ube nexesha lakho, inyaniso kukuba zininzi iingxaki ekufuneka zithathelwe ingqalelo ukwenza isigqibo esifanelekileyo. Ziintoni ezi? Sikuxelela ngezantsi.
Iingxaki zokuthatha umhlalaphantsi
Nangona wonke umntu ethanda ukuqala ngeengenelo zokuthatha umhlala-phantsi, kwaye ngaloo ndlela ekwenza kube nomtsalane ngakumbi, inyaniso kukuba oku akulula njengoko kubonakala.
Isenokuba mbi kakhulu kumhlala-phantsi ngokupheleleyo. Ngoba? Ngenxa yezi ngxaki zokuthatha umhlala-phantsi ngokuyinxenye:
uya kuphulukana nomvuzo wakho
Ayikuko ukuba uphulukene nayo, kodwa ukuba ngaphambi kokuba urhole i-100% yomvuzo wakho, ngokuthatha umhlala-phantsi, uqala ukwamkela phakathi kwama-25 nama-50%.
Kuyinyani ukuba ukuphumla kuya kuba yinxalenye yomhlalaphantsi oya kuwufumana, kodwa amaxesha amaninzi iyonke yezi zimbini ayifikeleli kwi-100% kwaye Ukuba umgangatho wobomi bakho uphezulu, nto leyo ethetha ukuba uchitha imali eninzi, ugcino onalo lusenokuchaphazeleka.
Ngoko ke, xa ucinga ngokuthatha umhlala-phantsi ngokungaphelelanga, kufuneka ukhumbule ukuba awuzukufumana loo mali ubuyirhola ngenyanga.
Asinguye wonke umntu onokufikelela
Siza kukunika isishwankathelo esikhawulezileyo sokuba zeziphi iimfuneko ezifumaneka kumhlala-phantsi.
Eyokuqala kwezi yiminyaka. Kufuneka ube neminyaka engama-60 ubuncinci ukuze ulungele olu hlobo lomhlalaphantsi. Kodwa asikuphela kwemfuneko. Kwaye akukho lula njengoko unokucinga.
Uyabona, iminyaka engama-60 yeyabantu abathandanayo. Ukuba awukho, ngoko kufuneka ube, ngo-2023, iminyaka engama-62 kunye neenyanga ezi-4 ukuba ufanelekile (kwaye le minyaka iya kunyuka ukuya kwi-63-65 iminyaka).
Kukho enye into ebalulekileyo kwaye, sele ikuloo minyaka, iminyaka eyi-15 yegalelo kuKhuseleko lweNtlalo. Ukuba awunazo, nokuba ufuna kangakanani na, awuyi kukwazi ukufikelela kulo mhlalaphantsi. Ukongeza, emibini yaloo minyaka kufuneka ibe phakathi kwe-15 ebangela umcimbi (oko kukuthi, kufuneka babe neminyaka emibini ngaphambi kokucela umhlala-phantsi).
Oku kukwayinto engaqondakaliyo njengoko ubuncinci obufunekayo kwiminyaka ye-15 yegalelo, kodwa, ngokuxhomekeke kwiminyaka ofuna ukuthatha umhlala-phantsi ngokuyinxenye, kufuneka ube neminyaka emininzi yegalelo.
Umzekelo, ukuba umhlala-phantsi ubakho ngesivumelwano soncedo, kufuneka ube phakathi kwama-33 nama-35 eminyaka yomnikelo. Ukuba akukho sivumelwano soncedo, ubuncinane iminyaka eyi-15.
Emva kokuthetha konke oku, uya kukuqonda oko Akulula ukuhlangabezana nazo zonke iimfuno ezifunekayo ukuze ufumane umhlala-phantsi.
Kukho intlawulo engaphezulu
Kule meko akuyi kuba ngowomsebenzi, kodwa kufuneka kuthathelwe ingqalelo ukuba ukuthatha umhlala-phantsi ngokuyinxenye asiyonto ilungileyo kwiNkqubo yoMhlalaphantsi kawonke-wonke. I-coefficients yokunciphisa ayikwazi ukusetyenziswa kwezi zinto, ezibangela ukuba zibeke imiqobo engaphezulu yokuthintela abantu ukuba bafikelele kuyo.
Ngamanye amazwi, kubiza uKhuseleko lweNtlalo kakhulu ngakumbi kumsebenzi othatha umhlala-phantsi ngokungaphelelanga kunomnye odla umhlala-phantsi ngokupheleleyo. Kwaye uninzi lwaloo ndleko luhlala kwinto yokuba iyaqhubeka inegalelo kwaye kwangaxeshanye iqokelele zombini kuKhuseleko lweNtlalo kunye nomqeshi. Kwaye ulumke, kuba oko kunokuthetha ukuba nabahlawuli ababini kwaye kuchaphazela iNgxelo yeNgeniso.
Ukungangqinelani
Ukongeza kuzo zonke iingxaki zokuthatha umhlalaphantsi, kufuneka uthathele ingqalelo ukuba ayihambelani nezinye iipenshoni zoKhuseleko lweNtlalo.
Ngokomzekelo, awukwazanga ukuqokelela ipenshoni esisigxina, ngokupheleleyo okanye eqatha yokhubazeko ngaxeshanye nale nxalenye yomhlalaphantsi. Kodwa akukho nokukhubazeka ngokupheleleyo ukuba kungenxa yomsebenzi ekuvunyelwene ngawo ngokuthatha umhlala-phantsi.
Xa ixesha lifika, kuyinto eqhelekileyo ukuba ukhethe phakathi kwenye okanye enye kuba awukwazi ukufumana zombini (kwaye phantse usoloko ukhetha eyona inkulu ukuze ube nobomi obungcono).
Ngaba Umhlala-phantsi Ongaphelelanga Uwufanele?
Asikwazi ukukunika impendulo ecacileyo malunga nokuba kufanelekile ukuthatha umhlala-phantsi okanye hayi kuba yonke into iya kuxhomekeka kwimeko okuyo kunye neemfuno zakho. Nangona kunjalo, Ngaphandle kweenzuzo ezinokukunika zona, kufuneka ugcine ezo zithintelo engqondweni ukuba ngokufuthi anazani de nibe sele nibandakanyeke ngokupheleleyo.
Ngesi sizathu, isindululo sethu sesokuba unengcali ewuqonda kakuhle umhlala-phantsi ukuba ifunde imeko yakho ethile kwaye inokukunika eyona mpendulo inenjongo enokwenzeka, zombini kunye nokuchasene.
Ngamanye amaxesha kubaluleke kakhulu ukuba ubambelele iminyaka embalwa kwaye ube nomhlalaphantsi ogcweleyo. Kodwa kusenokwenzeka ukuba, mhlawumbi ngesivumelwano esidibeneyo, okanye ngesivumelwano nenkampani, lo mva unika "imali eyongezelelweyo" kumsebenzi othathe umhlala-phantsi (ngokuqhelekileyo, kukho ikhontrakthi ethatha indawo yalo mntu ukuba afundise umlandeli wakhe umsebenzi. ).
Ngoku uyazi iingxaki zokuthatha umhlala-phantsi ngokuyinxenye, Ngaba ubuya nesibindi sokuyicela ngelo xesha okanye ubuya kubambelela de igqitywe?