Uhlelo lwempesheni: lusebenza kanjani

Uhlelo lwempesheni: lusebenza kanjani

Lapho uqala usuku lwakho lokuzalwa futhi usondela eminyakeni yobudala yokuthatha umhlalaphansi, uqala ukucabanga ngekusasa lakho. Abaningi bayangabaza ukuthi izimpesheni zomhlalaphansi zingasekelwa esikhathini eside, yingakho bebona ezinye izinketho ezinjengalezi Uhlelo lwempesheni. Isebenza kanjani? Ingabe kuyinto enhle ukuba nayo? Iziphi izinzuzo nobubi obukunikezayo?

Uma nawe ubuze le mibuzo, noma eminye, khona-ke sifuna ukukhuluma nawe sikutshele ngezinhlelo zempesheni, ukuthi zisebenza kanjani nokuthi ngabe kungukutshalwa kwemali okuhle yini noma kunezici ezingakwenza ukhethe okunye.

Uyini uhlelo lwempesheni?

Uyini uhlelo lwempesheni?

Into yokuqala oyidingayo ukuqonda kahle ukuthi uhlelo lwempesheni lubhekisa kuphi. Lokhu empeleni kufayela le- ukonga okuhlala kwenzeka esikhathini eside. Ngempela uhlelo lokulondoloza olusiza ukuthi wonge ingxenye ethile yemali yakho uma uthatha umhlalaphansi.

Isibonelo, ake ucabange ukuthi uneholo lama-euro angama-2000. Uhlelo lwempesheni luzophatha ukonga, kulawo ma-euro angama-2000, x imali, ake sibeke ama-euro angama-200 inyanga ngayinye. Ngakho-ke, ngesikhathi sokuthatha umhlalaphansi, ubungeke ube nempesheni yakho kuphela, kodwa futhi nokonga lokho obukwenza ngesikhathi sempilo yakho yokusebenza ngenhloso yokugcwalisa umhlalaphansi wakho.

Lo mkhuba ulusizo impela, ikakhulukazi ngoba imvamisa impesheni abaningi abayishiyile ayanele ukuba baphile ngayo. Ngaphezu kwalokho, ukuthatha umhlalaphansi kanye nohlelo lwempesheni akuhambisani, okungukuthi, ungaphumula kalula ngoba ngeke bakwenze uthathe isinqumo kokunye noma kokunye.

Uhlelo lwempesheni: lusebenza kanjani eSpain?

Uhlelo lwempesheni: lusebenza kanjani eSpain?

ESpain kufanele ukhumbule ukuthi iminyaka yokuthatha umhlalaphansi iyakhula kuze kube, ngo-2027, isethwe eminyakeni engama-67. Uma nje uneminyaka engama-36 yeminikelo yeSocial Security, ungathatha umhlalaphansi uneminyaka engama-65, kepha kwesinye isikhathi kungcono ukubamba kancane ukuze impesheni ibe ngaphezulu.

Vele-ke kukhona amacala athile, njengabantu abakhubazekile, abanezinga lobungozi emsebenzini wabo, njll.

Ukusebenza kohlelo lwempesheni kulula. Kususelwa ekunikezelweni kwale sevisi, okuvame ukunikezwa ngamabhange futhi, nikela, inyanga ngayinye, inani lemali. Imvamisa, kunesilinganiso sonyaka esingu-2000 euros.

Le mali iya esikhwameni sempesheni futhi esikhundleni sokuma, isetshenziselwa ukutshala imali ngokuthenga nokuthengisa izimpahla ukuze kube nenzuzo yesikhathi eside.

I-Los Izinhlelo zempesheni zilawulwa yiRoyal Legislative Decree 1/2002 futhi noMthetho Wezinhlelo Zempesheni kanye neRD 304/2004 lapho kumiswa khona ukulawulwa kwezinhlelo zempesheni.

Lokhu kusho ukuthi, lapho kutakulwa uhlelo lwempesheni, akutholakali imali efakiwe kuphela, kepha nenzuzo etholwe yileyo mali. Okusho ukuthi, uzothola okungaphezu kwalokhu okunikele.

Iyini leyomali efakwe kuyo? Yebo, okuvame kakhulu ukuthola imali engenayo engaguquki, imali engenayo eguqukayo, izinhlelo ezihlanganisiwe noma eziqinisekisiwe. Abaphathi bohlelo bayakukhathalela lokhu futhi akufanele uzikhathaze ngakho.

Yize iqiniso lokuthi lesi sibalo saziwa kahle, bambalwa abanquma ukubeka eceleni ingxenye yomholo wabo wohlelo lwempesheni. Kodwa-ke, uma uqala ngokushesha, kungcono, ngoba ukuba yinto yesikhathi eside, lapho usebenzisa kakhulu, inzuzo enkulu ingaba kuleyo mali ebekelwe eceleni.

Izinzuzo nezingozi zalo mkhiqizo

Manje njengoba usulibonile uhlelo lwempesheni nokuthi lusebenza kanjani, sekuyisikhathi sokukala okuhle nokubi kwalo mkhiqizo. Futhi ngabe lokho ngaphambi kokunquma ukukwenza, kufanele wazi ukuthi ukufanele yini noma cha.

Phakathi kwe izinzuzo okunikezwa uhlelo lwempesheni Yilezi:

  • Donsa emqashweni. Lokhu kungenxa yokuthi, ngokuhlukanisa ingxenye yomholo wakho wonyaka, lapho wenza isitatimende semali engenayo, imali "yangempela" ayitholakali, kodwa imali oyifaka ohlelweni lwakho lwempesheni iyakhishwa. Kusho ukuthini? Yebo, ukhokha intela encane.
  • Uhlelo ungalushiyela kunoma ngubani omfunayo. Imvamisa lokhu kuba yizindlalifa, inqobo nje uma ushona ngaphambi kwesikhathi sakho, noma kumuntu omcabangelayo.
  • Ungashintsha uhlelo lwempesheni. Ngamanye amagama, ungawenza ngezifiso ngokwesimo sakho kanye / noma nezidingo zakho. Futhi ngaphandle kokukhokha noma yini.

Ngokuqondene nobubi, lokhu kuyahamba ukuncika kuphrofayili yobungozi obuthathwayo, ngoba ungaba ngolindelekile, ulinganise noma ube yingozi.

  • Uma ungumuntu olondolozayo, inzuzo oyitholayo incane, kepha ngokubuyisa uqinisekisa ukuthi ungayilahli leyo mali oyibekayo.
  • Uma kwenzeka ulinganisela, kunezingozi ezithile ezingadala ukuthi ulahlekelwe enye yemali enikelwe.
  • Uma uzibeka engcupheni, izingozi ziphakeme kakhulu, futhi ungahle ube "nenhlanhla" noma ugcine ngokubheja kabi futhi ulahlekelwe kakhulu ohlelweni lwempesheni.
  • Enye inkinga ngohlelo lwempesheni ukuthi, uma ubuyisa leyo mali, kuzofanele ukhokhe intela kuyo. Lapho unemali eningi, uzokhokha kakhulu kamuva.

Ngabe uhlelo lungasindiswa yini kwesinye isimo ngaphandle kokuthatha umhlalaphansi?

Ngabe ingatakulwa yini kwesinye isimo ngaphandle kokuthatha umhlalaphansi?

Yize kuvame ukuqondakala ukuthi uhlelo lwempesheni lungatholakala kuphela uma umuntu ethatha umhlalaphansi, akuyona ukuphela kwendlela yokwenza. khona ezinye izimo ezingakusiza ukwazi ukuhlenga uhlelo lwakho lwempesheni bese uthola leyo mali obukade uyihambisa.

Isibonelo:

  • Uma sekuphele iminyaka engu-10 wamqasha. Manje, lokhu kunama-nuances athile okufanele uwabuyekeze nomphathi wakho, ngokwesibonelo, uma uqhathanisa uhlelo lwakho lwempesheni ngo-2015, kuze kube ngu-2025 ungakwazi ukuluhlenga.
  • Uma uhlala isikhathi eside ungasebenzi. Ukuze ungasebenzi isikhathi eside, kufanele ubheke okungenani izinsuku ezingama-360.
  • Uma uke wakhubazeka noma wagula kakhulu. Ingozi, ukugula okushiye ungakwazi ukusebenza, njll.
  • Uma ufa. Kulokhu, izindlalifa ngokwazo zizokwazi ukuhlenga uhlelo lwempesheni, zikhokhe intela yemali engenayo, kunjalo. Okuhle wukuthi izinhlelo zempesheni azikhokhi intela yamafa.
  • Manje njengoba usuyazi ukuthi luyini uhlelo lwempesheni, ukuthi lusebenza kanjani nokuhle nokubi olunalo, ungalokotha uluqashe? Sazise uma ngabe uyibona iyinto esebenzayo noma kufanele yenziwe yesimanje.

Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.