Ngokunxulumene nokuthatha umhlala-phantsi, enye yeemveliso ezifumana ukubalasela ngakumbi sisicwangciso somhlala-phantsi, ifomula yokonga kule minyaka yokugqibela yobomi, ukuze ube nomgangatho "oncomekayo" xa uphila.
Ngaphandle kwento yokuba ubaluleke kakhulu kwaye unezibonelelo ezininzi, kungoku nje ingaphantsi kwe-20% ithathela ingqalelo ukuba nesicwangciso somhlala-phantsi, amaxesha amaninzi kuba bengayiboni iluncedo. Kodwa, Yintoni isicwangciso sepenshini? Kutheni le nto ibaluleke kangaka kwaye kufuneka ithathelwe ingqalelo kwiminyaka ethile? Yile nto siza kuthetha nawe ngayo namhlanje.
Yintoni isicwangciso sepenshini
Zininzi iinkcazo zesicwangciso somhlala-phantsi. Enye yezona zinto zilula ukuyiqonda icacisa eli gama njengemveliso esebenza ukugcina umhlala-phantsi. Ke ngoko, sijamelene nesicwangciso sexesha elide, Oko kukuthi, sifuna ukufumana isibonelelo kodwa esingazukunanditshwa kude kube kwinqanaba lokuthatha umhlala-phantsi.
Ngamanye amagama, Isicwangciso sepenshini yimveliso yokonga esekwe kwimirhumo yamaxesha ngamaxesha eyenziwa ngumntu ongumnini wesicwangciso. Le minikelo ke yona ityalwe ngabaphathi beso sicwangciso ukuze bafumane izibonelelo ngaloo mali. Ngale ndlela, umntu uyalibona igalelo lakhe lonyukile (kuba unento ayibekileyo kunye nezibonelelo azifumeneyo ngokutyala imali).
Ngokutsho kwe Isindululo somthetho wasebukhosini 1/2002, ka-Novemba 29, kwinqaku layo 5.3, kuthiwa elona galelo liphezulu lonyaka kwisicwangciso somhlala-phantsi ngama-8000 euros. Ngaphaya kwelo lixa akuvumelekile ukufaka igalelo.
Inqaku elibalulekileyo lesicwangciso somhlala-phantsi kukuba imali efakiweyo kuyo igcinwe, oko kukuthi, awungekhe uyifumane ngokulula. Ngapha koko, ekuphela kweemeko apho ungayenza khona:
- Ngenxa yokuba uthathe umhlalaphantsi.
- Kuba sekudlule iminyaka eli-10.
- Ukuba ukhe wagula kakhulu okanye wakhubazeka.
- Kwimeko yokungaphangeli ixesha elide.
- Ukuba uyafa kwaye iindlalifa zakho zifuna ukubuyiselwa imali kwisicwangciso sakho somhlala-phantsi.
Zeziphi iintlobo ezikhoyo
Ngoku ekubeni unento ecace gca ukuba yintoni isicwangciso sepenshini, kuya kufuneka wazi ukuba zintathu iintlobo zezicwangciso.
- Isicwangciso somhlala-phantsi Yinto enikwe ikhontrakthi ngumntu omnye ngokwabo, kwaye ihlala ineziko lezemali.
- Izicwangciso ezidibeneyo: kule meko, endaweni yokuqeshwa ngumntu omnye, yenziwa liqela labantu, ngesiqhelo kunento efanayo (umbutho, umanyano, njl.
- Izicwangciso zomhlala-phantsi emsebenzini: Zizicwangciso zomhlala-phantsi eziququzelelwa yinkampani ngokwayo ngabasebenzi bayo. Kunqabile kunqabile ukubabona (kuba abasebenzi bayatshintsha kule minyaka idlulileyo), kodwa basekhona.
Izinto eziluncedo nezingeloncedo kwizicwangciso zepenshini
Esinye sezizathu eziphambili zokuba bambalwa abantu abaqeshe izicwangciso zepenshini kukuba umvuzo abawufumanayo awubavumeli ukuba bonge imali eyoneleyo ekupheleni kwenyanga ukuze bakwazi ukwenza igalelo kwaye bafumane izibonelelo ezilindelweyo kuwo. Nangona kunjalo, inyani yile Isicwangciso somhlala-phantsi sinezibonelelo ezininzi. Kwaye kukho izinto ezininzi ezingalunganga kunye nemingcipheko.
Ngaphambi kokuqesha umntu, kuyacetyiswa ukuba ubeke etafileni into elungileyo nengalunganga kangako ngalo mbono, kuba kungoko kuphela apho isigqibo esifanelekileyo sinokwenziwa ngokusekwe kwimeko yomntu ngamnye okanye inkampani.
Izibonelelo zesicwangciso somhlala-phantsi
Izibonelelo ezikhethwa ngabantu abaninzi kule mveliso yemali, ngakumbi kwikamva, zezi:
- Ukuze ube nakho ukurhafisa uNondyebo Kwaye ungahlawula irhafu encinci kwiSibhengezo seNgeniso ukuba unesicwangciso somhlala-phantsi. Njengomgaqo ngokubanzi, unokutsala ukuya kuthi ga kwi-euro ezingama-2000 8000 (kwizicwangciso ezizodwa) okanye ukuya kuthi ga kwi-XNUMX (kwizicwangciso zengqesho).
- Ungalutshintsha icebo lakho. Kukho amaxesha apho iimeko, kunye nokuhamba kwexesha, zingenanzuzo kangako; Kwelinye icala, ngesicwangciso somhlala-phantsi ungatshintshela kwenye ngaphandle kokuhlawula ngaphezulu okanye ube neerhafu ezingaphezulu.
- Ungakhetha indlalifa. Oko kukuthi, nokuba ungazenzela iplani yepenshini, unokuthatha isigqibo sokuba umntu oza kuyonwabela nguwe okanye ngomnye umntu.
Ayilunganga kangako ngezicwangciso zepenshini
Ngaphandle kwako konke oku kungentla, akufuneki ukuba ulibale ukuba kukho nezinye iingxaki ezenza kube nzima ukuthenga isicwangciso sempesheni. Ezona zixhaphakileyo zezi:
- Ukunqongophala kwemali. Oko kukuthi, ukungabinamali yokubanjwa iminyaka.
- Irhafu oya kuyibhatala. Khange sitsho ngaphambili ukuba isicwangciso sepenshini sikwenza uhlawule kancinci? Ewe, ekugqibeleni, baya kukufikelela, kwaye kuya kufuneka ujongane nabo, esinye sezizathu zokuba kutheni uninzi ludlulisa le mveliso.
- Iikomishini. Iikhomishini, ngamanye amaxesha, zenza isicwangciso somhlala-phantsi singabinangeniso kuba ekugqibeleni ziphela zithatha inzuzo ebikunikwa yimali.
Kutyalwa ntoni imali kwiplani yepenshini
Njengoko besesitshilo ngaphambili, icebo lisekwe ekugcineni isixa semali. Kodwa nakutyalo-mali lwaloo mali igcinelwe ukufumana inzuzo kwaye oku "akunqandwa" ngaphandle kokuvelisa nantoni na. Kodwa ithini le mali kutyalwe kuyo?
Into yokuqala ekufuneka uyazi kukuba Umxholo wotyalo-mali uya kwenziwa ngabaphathi besicwangciso sempesheni, ngaphandle kokuba ukhathazeke nangantoni na eyenye. Kuxhomekeke kwisicwangciso esinekhontrakthi, utyalo-mali luya kwahluka; Nangona, eyona nto ixhaphakileyo inento yokwenza ne:
- Izicwangciso zengeniso ezizinzileyo. Oku kunokuba lixesha elide, elifutshane; nkqu nangeniso yoluntu esisigxina okanye yomdibaniso.
- Izicwangciso zobulungisa.
- Umdibaniso wento ingasentla (oko kubizwa ngokuba zizicwangciso ezixubeneyo).
- Izicwangciso eziqinisekisiweyo.
Isebenza njani kwaye uyiqeshe phi
Isicwangciso somhlala-phantsi kufuneka silungiswe kunye nequmrhu elijongene nokulawulwa kwezi mveliso. Ngokwesiqhelo, Iibhanki ziphakathi kwezona zaziwayo, kodwa zinokubakho ezinye izinto ezinokwenzeka.
Ngokubhekisele ekusebenzeni kwayo, ilula kakhulu: umntu okwisicwangciso kufuneka enze amaxesha ngamaxesha (okanye ngokungaqhelekanga) igalelo ngokusekwe kumthamo wabo. Le mali yeyokuzithandela, kwaye, ngaphandle kwesivumelwano, akukho mfuneko yokuba yenziwe isixa esithile okanye ixesha elithile. Ngapha koko, zinokuba ngenyanga, ngonyaka, ngekota, njl. Yonke le minikelo iyakwenza isicwangciso sepenshini kodwa, endaweni yokugcina imali ithule, umphathi nguye ophethe ukutyala imali kwezinye izicwangciso zokufumana ingeniso kuloo mali, yiyo loo nto, ekugqibeleni, kufunyanwa into ethe kratya kunaye. ubonelele.