Ukulahlekelwa ilungu lentsapho yimeko ebuhlungu kakhulu kwaye ngelo xesha kunzima ukucinga nantoni na ngaphandle kokukhumbula umzobo waloo mntu oye wahamba. Noko ke, ngaphambi kokufa, xa kufika elo xesha, abaninzi banako yenza isigqibo sokukhupha imali kwi-akhawunti yaloo mntu. Kodwa, ngaba imali inokutsalwa ngaphambi kokufa kwesalamane?
Njengoko uyazi, xa isihlobo sifa, ii-akhawunti zivaliwe kwaye ude ugqibe zonke iinkqubo (kwaye ixesha elithile lidlula) awukwazi ukuba nemali. Kodwa kuthekani ukuba uyisuse kwangethuba? Inga? Ngaba ineziphumo? Sikucacisela yonke into.
Kwenzeka ntoni emalini xa umntu esifa
Ngelishwa, abantu abakaphili ngonaphakade. Kwaye xa usuku lokugqibela, abaninzi banokushiya ii-akhawunti zebhanki kunye neebhalansi ezilungileyo. Ezi zinokuba zezendlalifa, kodwa ukufumana loo mali akulula njengokuya ebhankini uyikhuphe emva komngcwabo.
Ukuba loo mntu uswelekileyo ibikuphela komnini, i-akhawunti iya kuvalwa kwaye, ngaphandle kweentlawulo zenyanga ezitsalwa ngokuthe ngqo, enye imali ayinakufikelelwa. Enyanisweni, kuphela xa umntu ebanga imali aze kwakhona eze namaxwebhu ayimfuneko ukuze ayivule, anjengomyolelo okanye umyolelo wokugqibela, umyalelo abanawo kukuvalela loo akhawunti kangangeminyaka engama-20.
Ukuba i-akhawunti inabanikazi ababini (umnini omnye kunye nomnye umnini-qabane), unokuhoxisa inxalenye yemali, kodwa kungekhona yonke into. Ibhanki iya kuvumela kuphela i-50% ye-capital iyonke ukuba itsalwe. leyo ikuloo akhawunti, ngelixa enye ipesenti ivaliwe kulindelwe olo xwebhu.
Umahluko phakathi komnini kunye nogunyazisiweyo
Amaxesha amaninzi, xa umntu engakwazi ukuya ebhankini, okanye enze iinkqubo ezilandelwayo, unyula omnye umntu amgunyazisayo ukuba enze imisebenzi ethile egameni lakhe, omnye wabo ikummela ebhankini ayokukhupha imali, ajongane neengxaki. , njl.
Nangona kunjalo, loo nto ugunyazisiwe, engumntu onamandla okwenza izenzo egameni lomnye, ngokwenene ayithathwa njengomphathi, kodwa umntu ongenayo iakhawunti.
Kwelinye icala, abo baphetheyo, okanye abaphetheyo ngenxa yokuba besenokuba baninzi, ngabantu abangabanikazi baloo mali, nabanokuthi, ngoko, bayilahle.
Ngaba ungayikhupha imali ngaphambi kokusweleka kwesihlobo?
Impendulo ekhawulezileyo iya kuba nguEwe. Ngaphambi kokusweleka kwelungu losapho, umntu okanye abantu banokutsala imali kuloo akhawunti. Enyanisweni, kukho izizathu ezininzi zokuba inokwenziwa. Kodwa ukuba singena nzulu kancinci kulo mxholo wonke, kukho imiba ekufuneka siyiqwalasele.
Kutheni imali itsalwa phambi kokuba kusweleke ilungu losapho
Ukuba nentloko xa uvalelisa kwilungu losapho ukuba uye ebhankini ukukhupha imali akuyona into "eqhelekileyo". Kodwa inokwenzeka kwaye eneneni kukho iimeko eziqhelekileyo enokuthi yenzeke ngayo.
Enye yeyokuqala kungenxa uhlawule iindleko zonyango, umngcwabo, njl. Ngamanye amazwi, ukuba ziindleko ezinxulumene nokungcwatywa okanye izibophelelo zerhafu, ungayisebenzisa loo mali.
Esinye isizathu sokuba imali itsalwe phambi kokufa kungenxa yokuba Yiphephe irhafu yelifa. Nangona kunjalo, inyaniso yeyokuba ayisayi kuphetshwa, eneneni, unokujongana nesohlwayo ngokwenza oko.
Kwaye kukuba, xa i-akhawunti ivaliwe, iintshukumo zangaphambili zijongwa, zombini yibhanki kunye noNondyebo, kwaye kunokuba kunjalo ukuba bafake isohlwayo esiphezulu kuwe ngenxa yokuba wenze njalo.
Iimfuno zokutsala imali
Ukuba usafuna ukutsala imali phambi kokuba kusweleke isalamane sakho, kufuneka ukuhlangabezana neemfuno ezininzi zezi:
ukugunyaziswa
Oko kukuthi, kufuneka ukwazi ukurhoxisa imali kuloo akhawunti. Kule meko, kukho ezinye iibhanki ezinokuthi, kuphela ngabagunyazisiweyo, ezinokukuvumela ukuba ukhuphe imali; abanye bafuna ukuba babe ngabanini-akhawunti kunye.
kufuneka nje bonisa isazisi sakho kunye noxwebhu apho umnini waloo akhawunti egunyazise omnye umntu ukusebenza egameni lakho.
Ukuba sele ungumntu osebenzisana naye, ungangayihoyi le nto kuba kuya kufana nokuba uneakhawunti yakho yebhanki kwaye uya kukwazi ukutsala okanye ukufaka ngaphandle kwengxaki.
Yazisa kumnini kunye neendlalifa
Ukongeza kokukhupha imali, kuyimfuneko ukuba bobabini umnini kunye neendlalifa zokutsalwa kwemali bayaziswa. Kwanaxa loo mntu eyindlalifa, ukuba abanye bebengazi, kubakho iziphoso ezinokuba nzulu kakhulu.
Ngaphandle kwezi mfuno zimbini, umda we-3000 euro kufuneka uthathelwe ingqalelo. Yeyona nto iphezulu inokurhoxiswa ngaphandle kokwazisa i-Arhente yeRhafu ngayo. Ukuba ukhupha imali eninzi, uNondyebo angafuna isizathu sokuba uyirhoxise.
Vula iakhawunti yebhanki yomntu oswelekileyo
Kwimeko apho ungakhange ukhuphe imali ngaphambi kokusweleka kwesihlobo sakho, into yokuba ibhanki iyayivala ayithethi ukuba awukwazi ukufikelela kuloo mali. Ewe Unga. Kodwa, ngenxa yoku, umqathango wokuqala omawuhlangane nawo kukuba ube yindlalifa yaloo mntu uswelekileyo. Oko kukuthi, omnye umntu akanako ukuyifumana ngaphandle kokuba echazwe kumyolelo.
Este indlalifa okanye iindlalifa maziveze uthotho lwamaxwebhu zezi:
- Isatifikethi sokusweleka esivela kwiCivil Registry, ukuqinisekisa ukuba umnini uswelekile ngenene.
- Isatifikethi seMiyolelo yokuGqibela yoBhaliso lweMiyolelo yokuGqibela.
- Ikopi yomyolelo. Ukuba akukho, ikopi yesibhengezo seendlalifa.
Xa yonke into ibonisiwe, ibhanki iya kuqinisekisa ubunyani bala maxwebhu kwaye iya kuqinisekisa ukuba umntu othe thaca amaxwebhu (okanye abantu) ngabo abanegunya phezu kwemali. Ukususela ngelo xesha i-akhawunti ivuliwe kwaye kulapho sinokukhupha imali, siyidlulisele kwenye i-akhawunti kunye/okanye sivale i-akhawunti yomfi.
Ngaba ngoku kuyacaca kuwe ukuba unokukhupha imali ngaphambi kokusweleka kwesihlobo?