Ngenxa yokungazi, abantu abaningi bathuthumela ukuzwa nje noma ukubona igama elithi "izintela." Kujwayelekile ukukhokha intela cishe yonke into: ukudla, izindlu, ezokungcebeleka, ezokuhamba, njll. Ngakho-ke akumangazi ukuthi nathi kufanele sikhokhe lapho sizuza okuthile njengefa. Le ntela ibizwa ngokuthi intela yefa.
Kule ndatshana sizochaza ukuthi yiluphi lolu hlobo lwentela, ukuthi lungayibalwa kanjani nokuthi ngubani okufanele ayikhokhe. Ngakho-ke uma ufuna ukwazi kusengaphambili ukuthi kufanele ukhokhe malini noma ufuna ukwazi okwengeziwe ngale ndaba, ngincoma ukuthi uqhubeke ufunda.
Iyiphi intela ekhokhelwa ifa?
Lapho isihlobo sethu sifa futhi / noma sivela encwadini yefa yomuntu, lapho kufika isikhathi sakhe sithola ifa lakhe lonke noma ingxenye yefa lakhe, eligcina selibe yingxenye yethu. Lokhu kutholwa okusha akuyona intela. Lapho siyithola, kufanele sikhokhe intela yefa. Kwenzeka okufanayo nasendabeni yeminikelo: Uma sithola ifa noma umnikelo, kufanele sikhokhe intela. Labo abaphethe ukuphatha lolu hlobo lwentela yi-Autonomous Communities. Ngakho-ke, ukuthola ifa e-Andalusia, e-Asturias noma eMadrid kunemiphumela ehluke kakhulu kwezomnotho kubahlomuli noma izindlalifa.
Ngokuqondene nefa lefa nezipho, kuyintela ngqo. Ngamanye amagama: Kusetshenziswa emholweni wezomnotho nasezimpahla zabantu. Yini enye, kuyaqhubeka emvelweni, okusho ukuthi intela iyakhula njengoba isisekelo sentela sikhuphuka.
Ibalwa kanjani intela yamafa?
Kubalulekile ukwazi ukuthi intela yamafa uma kwenzeka ifa kumele ikhokhwe kungakapheli izinyanga eziyisithupha kusukela ngosuku umufi afa ngalo. Ukubala ukukhokhelwa kwalesi sipho, kudingeka izibalo eziningana. Ake sizibone zinyathelo ngesinyathelo:
Izimpahla zasendlini (izindlu ezithengiswayo) + Impahla namalungelo = Gross estate
I-Gross estate - (Amacala + Izikweletu + Izindleko ezikhokhelwayo) = Ifa lilonke
Ifa lilonke / Inani lezindlalifa ngokuya ngemithetho noma iwili = Ingxenye yefa lomuntu ngamunye
Ingxenye yefa lomuntu ngamunye + Umshuwalense wempilo (uma ikhona) = Imali engenayo ekhokhiswayo
Isisekelo sentela - Ukuncishiswa = Isisekelo sentela
Isisekelo sentela + Amaphesenti entela noma isilinganiso = Imali ephelele
Isabelo esigcwele + Umlingani ophindaphindiwe = Isilinganiso sentela
Izinga lentela + Amabhonasi nokuncishiswa = Ukuhlala noma isamba okufanele sikhokhwe
Lezi zibalo zibonakala ziyinkimbinkimbi ekuqaleni. Ukwenza izinto zibe lula kuwe, sizochaza ukuthi ziyini nokuthi ungathola kanjani eminye yale miqondo. Noma kunjalo, khumbula lokho amaningi alamagugu azoncika kuMphakathi Ozibusayo esikuwo, ngoba yibo abaphatha Intela Yamafa Neminikelo.
Isisekelo esikhokhiswayo, ukwehliswa, isabelo esigcwele, amaphesenti, inani lesilinganiso sentela nokuphindaphindeka kwama-coefficients
Ngoba izimpahla zethu ziyakhushulwa ngemuva kokuthola ifa, kufanele sikhokhe. Ngalesi sizathu kufanele siqale sibale isisekelo sentela. Lokhu kutholakala ngenani eliphelele lezimpahla namalungelo akha ifa elikhulu. Ukuncishiswa ngokuya nge-Autonomous Community kungadonswa kuwo. Lokhu kwehliswa kungaba ngokwemvelo kwempahla, ukukhubazeka noma ukusondelana, phakathi kokunye, futhi kunikeze okukhokhelwayo.
Lapho sesinendawo engakhokhiswa intela, sekuyisikhathi sokufaka inani elisabekayo: Amaphesenti wentela. Njengokwehliswa, leli phesenti futhi lincike kuMphakathi Ozibusayo. Kodwa-ke, kunomthethonqubo wombuso osungula isilinganiso esiphakathi kuka-7,65% no-34%, ngokuya ngesisekelo esiphelele sentela. Ngokomthetho, inani eliphakeme lefa, kulapho kufanele ukhokhe kakhulu. Lapho nje sekusetshenziswe iphesenti lentela yefa elihambisanayo, imali ephelele iyatholakala.
Ukuthola inani lesilinganiso sentela, lezi zibalo azanele. Kusabelo esiphelele, kufanele futhi sengeze ama-coefficients aphindaphindayo. Lokhu kuyehluka ngokwenqwaba eyayikhona phambilini yendlalifa kanye neqembu lobudlelwano lapho ongasekho nendlalifa kungokwakhe. Ukungeza okubili sizothola i-coefficient yokuphindaphinda. Kukhona ingqikithi yamaqembu amane obudlelwano:
- I: Kwamukelwa kanye nenzalo engaphansi kweminyaka engama-21 ubudala.
- II: Bamukelwa futhi bayinzalo yeminyaka engama-21 noma ngaphezulu, abenyuka, abokutholwa nabashade nabo.
- I-III: Ama-degree degree wesibili (izingane zakubo) kanye nezinga lesithathu (omalume, abashana), kanye nabakhuphukayo kanye nenzalo ngokusondelana.
- IV: Ama-collaterals wesine degree (abazala), amadigri akude kakhulu futhi angajwayelekile.
Amabhonasi, imali ebanjwayo kanye nengqikithi okufanele uyikhokhe
Ekugcineni, kufanele usebenzise womabili amabhonasi nokuncishisiwe kusilinganiso sentela. Futhi bancike Emiphakathini Ezimele. Emphakathini waseMadrid, isibonelo, isaphulelo singama-99% emalini ekhokhwa ngabakhuphukayo, owakwakhe nenzalo. Ngalesi sizathu, amafa eMadrid asiza kakhulu.
Ngubani okufanele akhokhe intela yefa?
Ngokomthetho, umuntu ohlale ekhokha intela yefa lowo othola amalungelo. Ngakho-ke, into injengale:
- Ukulandelana: Abalandelayo, okungukuthi, abasemthethweni, izindlalifa, njll. ukhokhe intela.
- Iminikelo: Umuntu owenziwe, okungukuthi, umuntu owamukela umnikelo, uyayikhokha intela.
- Imishwalense yempilo: Umhlomuli ukhokha intela.
Endabeni yomuntu osemthethweni ozuza ngefa, ngaleyo ndlela andise izimpahla zakhe, alikhokhiswa intela yefa, uma kungengenxa yentela yenhlangano. Lokhu kungenxa yokuthi abantu abasemthethweni bayiqembu labantu bemvelo abaphendula abantu besithathu ngezimpahla zabo, hhayi ngezimpahla zamalungu abo.
Ngokuphathelene nesikhathi sokukhokha, kuyehluka kuye ngesimo. Endabeni yamafa, abalandelayo banezinyanga eziyisithupha seziphelele kusukela ngosuku lokufa komuntu. Ngakolunye uhlangothi, uma kukhulunywa ngeminikelo, umnqamulajuqu wokulethwa yizinsuku zebhizinisi ezingama-30 kusukela ngosuku okwenziwe ngalo umnikelo.
Kumele siphenye kuphela ukuthi yimiphi imithethonqubo eMphakathini wethu Ozibusayo ukuze sikwazi ukubala ukuthi kuzodingeka sikhokhe malini ngefa lethu. Uma sinenhlanhla sihlala endaweni eyodwa lapho kufanele sikhokhe kuphela inani elingokomfanekiso, futhi uma sinebhadi kufanele sikhiphe inani elithile lemali.