Xa uqala usuku lwakho lokuzalwa kunye nendlela yobudala yomhlala phantsi, uqala ukucinga ngekamva lakho. Abaninzi bayathandabuza ukuba ipenshini yomhlala-phantsi inokuqhubeka ixesha elide, yiyo loo nto bebona ezinye iindlela ezinje Isicwangciso somhlala-phantsi. Ingaba isebenza kanjani? Ngaba kuyinto entle ukuba nayo? Zeziphi izibonelelo kunye nokungalunganga okubonisayo?
Ukuba ukhe wayiphakamisa le mibuzo, okanye eminye, sifuna ukuthetha nawe sikuxelele ngezicwangciso zepenshini, ukuba zisebenza njani kwaye ngaba lolutyalomali olulungileyo okanye kukho izinto ezinokwenza ukuba ukhethe enye into.
Iyintoni isicwangciso somhlala-phantsi?
Into yokuqala oyifunayo kukuqonda kakuhle ukuba isicwangciso sepenshini sibhekisa phi. Ngokwenyani le Ugcino oluhlala lusenzeka kwixesha elide. Ngokwenene sisicwangciso sokonga esikunceda ukuba ugcine inxalenye yemali yakho xa uthatha umhlalaphantsi.
Umzekelo, cinga ukuba unomvuzo we-2000 euro. Isicwangciso somhlala-phantsi siza kujongana nokonga, kwezi 2000 euro, x imali, masibeke i-euro ezingama-200 ngenyanga nganye. Ke, ngexesha lokuthatha umhlala-phantsi, ngekhe ube nepenshini yakho kuphela, kodwa naleyo uyongelayo ebesiyenza ngexesha lobomi bakho bokusebenza ngenjongo yokuxhasa umhlala-phantsi wakho.
Lo mkhuba uluncedo kakhulu, ngakumbi kuba amaxesha amaninzi umhlala-phantsi oshiye abantu abaninzi awonelanga ukuba bangahlala kuwo. Ukongeza, ukuthatha umhlala-phantsi kunye nesicwangciso somhlala-phantsi asihambelani, oko kukuthi, unokuphumla ngokulula kuba ngekhe bakwenze uthathe isigqibo kwenye okanye kwenye.
Isicwangciso somhlala-phantsi: sisebenza njani eSpain?
ESpain kuya kufuneka ukhumbule ukuba ixesha lokuthatha umhlala phantsi liyanda de, ngo-2027, ibekwe kwiminyaka engama-67. Ngethuba nje uneminyaka engama-36 yemirhumo yoKhuseleko lweNtlalo, ungathatha umhlala-phantsi uneminyaka engama-65, kodwa ngamanye amaxesha kungcono ukubamba kancinci ukuze ipenshini iphakame kancinci.
Ewe kunjalo, kukho iimeko ezithile, ezinje ngabantu abakhubazekileyo, abanamazinga omngcipheko emsebenzini wabo, njl.
Ukusebenza kwesicwangciso sepenshini kulula. Isekwe kwinkontileka yale nkonzo, ihlala inikezelwa ziibhanki kwaye, igalelo, inyanga nenyanga, isixa semali. Ngokwesiqhelo, kukho ubuninzi bonyaka wama-2000 euros.
Le mali iya kwingxowa-mali yomhlala-phantsi kwaye endaweni yokuma ngxi, isetyenziselwa ukutyala imali ngokuthenga nokuthengisa iiasethi ukuze kubekho inzuzo yexesha elide.
Los Izicwangciso zepenshini zilawulwa yiRoyal Legislative Decree 1/2002 kananjalo nguMthetho weziCwangciso zePenshini kunye neRD 304/2004 apho kumiselwa khona iziCwangciso zoMhlala-phantsi.
Oku kuthetha ukuba, xa kuhlangulwa isicwangciso sepenshini, ayisiyiyo kuphela imali ebekiweyo efunyenweyo, kodwa kunye nengeniso eyenziwe yimali leyo. Oko kukuthi, uza kufumana ngaphezulu koko ubonelele ngako.
Iyintoni loo mali ityalwe kuyo? Ewe, eyona ixhaphakileyo kwimali engenayo esisigxina, umvuzo oguqukayo, izicwangciso ezixubileyo okanye eziqinisekisiweyo. Abaphathi besicwangciso bayayikhathalela le kwaye akufuneki uzikhathaze ngayo.
Ngaphandle kwento yokuba eli nani laziwa kakuhle, bambalwa abagqibe ekubeni babekele bucala inxenye yomvuzo wabo kwisicwangciso somhlala-phantsi. Nangona kunjalo, ngokukhawuleza uqala, kungcono, kuba ukuba yinto yexesha elide, ngakumbi okwenzekayo, ngakumbi kunokuba yinzuzo kuloo mali ibekelwe bucala.
Izinto eziluncedo kunye nemingcipheko yale mveliso
Ngoku ukuba usibonile isicwangciso somhlala-phantsi kunye nendlela esisebenza ngayo, lixesha lokuba ulinganise izinto ezilungileyo nezingalunganga zale mveliso. Kwaye ngaba ngaphambi kokuthatha isigqibo sokwenza, kuya kufuneka uyazi ukuba ikulungele okanye hayi.
Phakathi Izibonelelo onikwa zicwangciso zepenshini Zizo:
- Ukutsalwa kwirente. Kungenxa yokuba, ngokwahlula-hlula inxalenye yomvuzo wakho wonyaka, xa usenza ingxelo yengeniso, umvuzo "wokwenene" awufunyanwa, kodwa imali oyifaka kwisicwangciso sakho somhlala-phantsi ithathiwe. Ukuthini? Ewe, uhlawula irhafu encinci.
- Ungashiya icebo kuye nakubani na omfunayo. Ngokwesiqhelo le yindlalifa, okoko uswelekileyo ngaphambi kwexesha lakho, okanye kumntu omqwalaseleyo.
- Ungasitshintsha isicwangciso sepenshini. Ngamanye amagama, ungayenza ngokwezifiso imeko yakho kunye / okanye iimfuno. Kwaye ngaphandle kokuhlawula nantoni na.
Ngokumalunga nokungahambi kakuhle, ezi ziyahamba ukuxhomekeka kwiprofayili yomngcipheko ecingelwayo, kuba unokuba nolondolozo, ukumodareyitha okanye ingozi.
- Ukuba uyabambelela, isibonelelo osifumanayo sincinci, kodwa ekubuyiseleni uyaqinisekisa ukuba ungalahli loo mali uyibekayo.
- Kwimeko yokumodareyitha, kukho imingcipheko ethile enokubangela ukuba uphulukane nenye yemali enikelwe.
- Ukuba umngcipheko, umngcipheko uphezulu kakhulu, kwaye unokuba "nethamsanqa" okanye uphele ngokubheja kakubi kwaye ulahlekelwe kakhulu kwisicwangciso sepenshini.
- Enye ingxaki kwisicwangciso sepenshini kukuba, xa uyibuyisile loo mali, kuya kufuneka uhlawule irhafu kuyo. Okukhona unemali, kokukhona uya kuhlawula kamva.
Ngaba isicwangciso sinokuhlangulwa kwimeko engaphandle kokuthatha umhlalaphantsi?
Nangona kuqheleke ukuqondwa ukuba isicwangciso sepenshini sinokufunyanwa kuphela xa umntu ethatha umhlala-phantsi, ayisiyiyo kuphela indlela yokwenza. zikhona ezinye iimeko ezinokwenza ukuba uhlangule isicwangciso sakho sempesheni kwaye ubuyise loo mali uhambe nayo.
Umzekelo:
- Ukuba sekuyiminyaka eli-10 okoko wamqesha. Ngoku, oku kunemiba ethile ekufuneka uyijongile nomphathi wakho, umzekelo, ukuba uthelekisa isicwangciso sakho somhlala-phantsi ngo-2015, kude kube ngu-2025 ubungenakho ukusihlangula.
- Ukuba awuphangeli ixesha elide. Ukuze ungasebenzi ixesha elide, kuya kufuneka ukhangele umsebenzi ubuncinci iintsuku ezingama-360.
- Ukuba ukhubazekile okanye ugula kakhulu. Ingozi, ukugula okushiye ungakhubazeki, njl.
- Ukuba uyafa. Kule meko, iindlalifa ngokwazo ziya kuba nakho ukuhlawulela isicwangciso sempesheni, ukuhlawula irhafu yengeniso, ewe. Into elungileyo kukuba izicwangciso zepenshini azihlawuli irhafu yelifa.
- Ngoku ukuba uyazi ukuba yintoni iplani yepenshini, isebenza njani kwaye intle kwaye imbi inayo, ungaba nesibindi sokuyiqesha? Masiyazi ukuba uyibona iyinto enokwenzeka okanye kufuneka iphuculwe.