Ungasihlangula njani isicwangciso sepenshini?

Isicwangciso sepenshini siqwalaselwe njengenye yeemveliso ezichaphazelekayo zemali ukujongana nexesha lomhlala phantsi. Kuba ngokuqinisekileyo iyakunceda ukongeza umvuzo ofunyenwe kwinkqubo yomhlala-phantsi yoluntu. Ukuze ngale ndlela, abathathe umhlala-phantsi babe nezinye umvuzo ophezulu ngenyanga Kweli nqanaba libaluleke kakhulu lobomi babo. Ngokuchasene noko kukholelwa ngokubanzi, isicwangciso sempesheni akufuneki sisekwe kwingeniso eyahlukileyo, kodwa sinokuvela nakwingeniso esisigxina. Nangona kule meko, ukusebenza kwayo kuya kuba sezantsi kakhulu.

Isicwangciso sepenshini siyimveliso eyenzelwe i- mdala kwaye luphawulwa ngokusisiseko yimveliso yokonga kwithuba elide Eyona njongo iphambili kukwenza ukonga okufumanekayo xa uthatha umhlala phantsi ngohlobo lwezixa eziza kufunyanwa ngeendlela ezahlukeneyo, kuxhomekeke kwinkqubo angene kuyo umsebenzisi. Akumangalisi ukuba ayiyomodeli yolondolozo efanayo, kodwa ngokuchaseneyo, ineefomathi ezahlukeneyo ezilungiselelwe iimfuno zabemi.

Ngayiphi na imeko, inye into eqinisekileyo kwaye loo nto kuya kufuneka uyicwangcise le modeli yokonga iminyaka embalwa ngaphambili ukuze ikunike iinkonzo ozifunayo. Apho, njengokuba ubhalisela isicwangciso sepenshini kwangoko, kokukhona izixa-mali uzakuzifumana ngalo mzuzu kanye wokuthatha umhlalaphantsi. Sisongezelelo semali esinokubangela umdla xa ipenshini oza kuyithatha kwiminyaka yegolide ingekho ngaphezulu kakhulu okanye, ngokuchaseneyo, khange ube negalelo kwiminyaka eyimfuneko yokuba nenkxaso yemali kule minyaka ibalulekileyo ubomi bonke.

Isicwangciso sepenshini: ungaziqokelela njani?

Enye yezona zinto zibalulekileyo kule mveliso yezemali inento yokwenza nokuqokelelwa kwayo. Kuba, isicwangciso sepenshini sibonakaliswe ngokungagungqiyo ekubeni igalelo lingaqhubeka nokwenziwa kule mveliso yezemali bakube bethathe umhlala-phantsi. Olunye lweempawu zalo ezibaluleke kakhulu kukuba ukusukela ngexesha lokuhlawuliswa kwesicwangciso, iminikelo ayinakuhlawulelwa ukulungiselela imeko yomhlala-phantsi. Banokuhlangulwa kuphela ngenxa yesidingo esithile, njengeemeko zokuxhomekeka okanye ukufa. Lo ngumahluko kwezinye iimveliso zomhlala-phantsi.

Kwelinye icala, isicwangciso somhlala-phantsi sinjalo Cinga ngeendlela ezahlukeneyo zokuhlangula Kuya kufuneka uyazi ukwandisa le modeli yolondolozo kwiminyaka yomhlala-phantsi. Ewe, ayizizo zonke ezifanayo, azilingani kwaye yonke into iya kuxhomekeka kwiimfuno onazo ukusukela kwiminyaka engama-65 ubudala okanye into efanayo, ngexesha lokufika komhlala-phantsi. Ukuze ngale ndlela, ucinge ngokwanda kwengeniso yezoqoqosho oyakuyifumana kule minyaka ikhethekileyo ebomini bakho: Ngaba uyafuna ukwazi ukuba zeziphi iibheyile ezenzelwe ezi mveliso zichazwe kakuhle? Ewe, nika ingqalelo encinci kuba olu lwazi lunokuba luncedo kakhulu kwimidla yakho.

Ukuhlangula ngohlobo lwenkunzi

Eyona yeyona ixhaphakileyo kuzo zonke kwaye nakweyiphi na imeko enye yeendlela onokukhetha kuzo kuya kufuneka ufumane umvuzo owongezelelweyo ukusukela ngoku. Ewe, eli qhinga lisekwe uyaphila yonke imirhumo zenziwe kwisicwangciso sepenshini kunye nenzuzo ehambelana nazo ngokudibeneyo. Ngaphandle kwesidingo sokufumana imirhumo rhoqo ngenyanga. Ngumahluko omkhulu oya kuyibhatala kube kanye kwaye ngalo mzuzu ungqalileyo wokwenza uhlangulo ngokusemthethweni. Enye into enokuba luncedo kakhulu ekubeni ube nemali eyinkunzi ukwanelisa ezona mfuno zakho zingxamisekileyo. Ngaphandle kokusebenza njengesongezelelo kwipenshini.

Ukuhlangulwa ngohlobo lwenkunzi kunokuba luncedo kakhulu kwezinye iimeko kwaye kuya kuncitshiswa ziimfuno zakho zokwenyani. Ukubonisa ukulungela kwayo, kuyakufuneka ukuhlalutya ukuba kulunge kangakanani kuwe ukuba ungene kwisivumelwano ngokumalunga nesicwangciso sepenshini. Kuba kufuneka uyazi ukuba ukusukela ngo-2015, elona xesha liphezulu le- cela ukuncitshiswa yiminyaka emi-2 okoko imeko ebangela ukuhlangulwa yenzekile. Eli linqaku ekubhekiswa kulo ukuqinisekisa ukuba le ndlela ikulungele na kwiplani yepenshini okanye mhlawumbi yenye indlela, njengoko siza kukucacisela ukusukela ngoku.

Ukuhlangula ngohlobo lomvuzo

Olunye ukhetho onokuluthatha ngaphakathi kwemveliso ekhethekileyo yezemali. Iphawuleka kuba uyakufumana imali eyinkunzi amaxesha ngamaxesha, njengoko beyingumvuzo wenyanga okanye wonyaka. Kwelinye icala, ungathandabuzi ukuba ujongene nembuyekezo yobomi oya kuyifumana rhoqo kude kube ngumzuzu wokufa. Nokuba yeyiphi na imali yomhlala-phantsi oyiqokelelayo ngelo xesha. Kuba le nto ayizukuchaphazela nantoni na yokuqokelelwa kwale mali evela kwisicwangciso sakho somhlala-phantsi. Ukuba akunjalo, izimele ngokupheleleyo kwindalo yayo kwaye ke kufanelekile ukuba uyazi ngeli xesha.

Enye into ekufuneka uyiqwalasele kuhlangulo ngohlobo lwengeniso kukuba le nkqubo yokuqokelela inokukunceda ucwangcise ngcono uhlahlo-lwabiwo mali lwakho kwiminyaka othathe umhlala-phantsi. Ngaphezulu kwezinye iinkqubo ezenziweyo kwisicwangciso sepenshini. Ayilunganga okanye imbi kakhulu kunabanye, kodwa kuya kuxhomekeka kwiimfuno zakho zokwenyani kule minyaka ibalulekileyo yobomi bakho. Ngaphandle kolunye uluvo lomntu kunye nembono yosapho, njengoko uya kuqonda ngokukhawuleza.

Uhlangulo oluxubileyo

Inokuba yenye yezona zinto zintsha kuzo zonke ngenxa yeempawu ezizodwa. Akumangalisi ukuba sithethe ngohlobo lokuhlangula oludibanisa iindlela ezimbini ezichazwe apha ngasentla. Kude kube yiminyaka embalwa edlulileyo bekungasebenzi, kodwa ukusebenza kweli klasi leemveliso zezezimali kukhokelele ekubeni kwenziwe iifomathi ezintsha kuhlangulo, njengale ngokukodwa. Uhlangulo oluxubekileyo ikuvumela ukuba ufumane inxenye ngengeniso yesiqhelo Inyanga qho. Kodwa kule meko, ixhaswe yimali eyinkunzi ngexesha elinye ebomini bakho. Ngale ndlela, uya kuba nakho ukudibanisa iinkqubo ezimbini zokuhambisa ngendlela elungeleleneyo.

Kwelinye icala, enye yeempawu zento ekuthiwa kukuhlangulwa okuxubeneyo kukuba unokuziqhelanisa neemeko ezahlukeneyo kubomi bakho buqu kwaye ukuya kwinqanaba lokuba abasebenzisi abaninzi bakhethe le modeli yentlawulo njengefomula umvuzo okhuselekileyo ngexesha lomhlala-phantsi. Ukwazi, nangayiphi na imeko, ukuba nefuthe elingaphezulu kwenkqubo enye kunenye ukuba lo ngumnqweno wakho wokugcina umvuzo kweli nqanaba lobomi bakho. Kuyo nayiphi na imeko, awunakukhetha ngaphandle kokwazisa iziko lezemali apho ungene khona kwisicwangciso sokuhlangula umhlala-phantsi.

Ukuhlangulwa kwemali ngokuguqukayo

Okokugqibela, kwaye kunokuba kuncinci kangakanani, unale ndlela intsha yokuqokelela imali ukusuka kwiminyaka engama-65 ubudala. Kulula kakhulu ukuyiqonda, ngaphandle kweminyaka yayo embalwa yobomi kwiimarike zezemali, kuba nguwe ngokwakho ogqiba ngokukhululekileyo imihla kunye nemali yeerhafu. Ngaphandle kokuba nexesha elithile, njengoko kwenzekile kwiimodeli zokonga ezichazwe apha ngasentla. Ayothusi into yokuba ezi zicwangciso zepenshini zibonakaliswa yinto ethile, kungenxa yokuba bhetyebhetye ngokupheleleyo. Kungoko igama labo kwaye lenzelwe iprofayili yomthengi ebonelela ngengeniso ephezulu yezoqoqosho. Kwaye nangomhlala-phantsi ophakamileyo woluntu onokuziqhelanisa neemeko ezintsha kwiiakhawunti zakho.

Ewe, le fomathi yokuhambisa yenzelwe umntu ngakumbi kwaye ifuna uhlalutyo olupheleleyo lweemfuno zakho, kodwa kunye nengeniso yonyaka oza kuyiphuhlisa kule minyaka ibalulekileyo yobomi bakho. Njengokuba ubona zininzi iindlela onokukhetha kuzo ukuze uqokelele isicwangciso sepenshini ukususela ngoku ukuya phambili. Apho kuya kufuneka uphumeze isigqibo esiya kusekelwa kwindlela yakho yobuqu okanye yosapho onayo kule minyaka.

Kwelinye icala, kufanele ukuba kukhunjulwe ukuba ukurhafiswa kokuhlangulwa kwesicwangciso somhlala-phantsi kuya kudibana nendlela yokuqokelela ekhethiweyo. Kuba kwimeko nganye iya kuba nonyango olwahlukileyo kwaye kuya kufuneka uhlalutye ukuhlawula imali encinci ngalo mbono. Kungenxa yokuba isicwangciso sepenshini siphethe ikhredithi yerhafu ngenxa yokukwazi kwakho ukugcina kwaye iyafana kakhulu nezinye iintlobo zeemveliso ezilungiselelwe ukonga notyalo mali. Ukuya kwinqanaba lokuba kwezinye iimeko kunokuba yinzuzo kakhulu ukuqesha enye yezi mveliso zemali. Ngaphandle kwembuyekezo enokukuvelisela yona kule minyaka izayo. Ukuba yenye yeenjongo ekufuneka uziqwalasele ukusukela ngoku, njengoko uya kwazi kwabanye abahlobo abakwimeko efanayo.