Ungayengeza kanjani impesheni ephansi yabantu abathathe umhlalaphansi?

impesheni

Impesheni emaphakathi eSpain ikhule ezikhathini zamuva cishe ku-6%. Kuze kufinyelele kufayela le- inani lama-euro angama-985,16 ngenyanga, ngokusho kwedatha enikezwe nguMnyango Wezabasebenzi. Yize iqiniso elifanele kakhulu lale nkambiso ukuthi sekunezifundazwe eziningana zaseSpain impesheni yazo emaphakathi esivele idlula ama-euro ayi-1.000 700 ngenyanga. Kunoma ikuphi, impesheni encane yomhlalaphansi ayikafiki ama-euro angama-XNUMX ngenyanga, okusho ukuthi amandla okuthenga aphansi kakhulu eminyakeni eyigolide yezakhamizi zaseSpain.

Ezimweni zabantu abathathe umhlalaphansi abanempesheni ephansi kakhulu yokuthatha umhlalaphansi, ngeke babe nenye indlela ngaphandle kokuyengeza ngecebo elithile lokutshala imali. Ukuze ngale ndlela, babe ne- amandla wokuthenga aphezulu ukujabulela leyo minyaka ekhethekile empilweni yakho. Yebo, laba bantu basengakha ibhange lokonga elizinzile futhi elihlala isikhathi eside ngakho-ke akudingeki bakhokhele umholo ophansi kangako lapho bethatha umhlalaphansi. Ngaphezu kwalokho, okubaluleke kakhulu ukuthi ngeke kuthathe umzamo omkhulu ukukwenza, vele ube nokonga okuthile kwi-akhawunti yokulondoloza yalaba bantu.

Konke lokhu, esimweni esejwayelekile lapho uMnyango Wezabasebenzi ufuna ukukhulisa i- iminyaka yobudala yomhlalaphansi kuze kube yiminyaka engama-65,5 ngo-2048. Akumangalisi ukuthi esinye seziphakamiso iSecurity esifuna ukusisebenzisa ukukhuthaza ukuhoxa sekwedlule isikhathi noma ukujezisa labo abakwenza ngaphambi kwesikhathi ngomnikelo ophakeme. Kunoma ikuphi, sizodalula amasu okungenzeka ukuthi laba bantu bangaba nawo uma besebenzisa uhlelo lokulondoloza oluhleleke kancane noma oluncane, ngokuvamile ngezabelo ezisatshalaliswa ngokuthengwa nokuthengiswa kwamasheya emakethe yamasheya noma ezimali zokutshala imali. Ngezithelo ezingafinyelela emazingeni asondele kakhulu ku-10%.

Impesheni iqiniswe yinzuzo

izabelo

Kusetshenziswa elinye lamasu angcono kakhulu okuqinisa impesheni encane ngezabelo ngokuthengwa nokuthengiswa kwamasheya emakethe yamasheya. Yebo, ngokushintshaniswa kokonga cishe kwama-euro angama-50.000 futhi uma kuhloselwe ukuphepha okunikeza imbuyiselo ngesahlulelo esiseduze no-7%, imali engaguquguquki futhi eqinisekisiwe ingatholwa njalo ngenyanga phakathi kwama-euro angama-250 kuya kwangama-300 abangayithengisela engeza impesheni yomhlalaphansi. Ukuze ngalezi zindlela, amandla okuthenga alaba bantu aphakame kancane futhi basesimweni sokuhlangabezana nezindleko zabo eziyinhloko ekhaya.

Abasebenzisi futhi bangakhetha ezinye izinzuzo ezingabizi kakhulu, bese kuthi lapho umholo uzokwehliswa ngokuqhubekayo. Lokhu, noma ngayiphi indlela, kungenye indlela abantu asebethathe umhlalaphansi abanayo ngalesi sikhathi ukuze bakwazi ukubona imiholo yabo ikhula esikhathini segolide sempilo yabo. Konke lokhu ngaphandle kokuvela kokutshalwa kwezimali ezimakethe zezimali. Akumangalisi ukuthi futhi bangenza imali yabo engenayo izuze ngale ndlela, noma kunjalo ithwala ezinye izingozi eziningi kunangesikhathi esedlule ngenxa yokungazinzi okungakhiqizwa kulezi zimakethe kuze kwehle nemali oyitshalile.

Ngezimali zokutshala imali

Enye indlela abathathe umhlalaphansi abanempesheni ephansi manje ukusebenzisa izinzuzo ezinikezwa yimali yokutshala imali. Mhlawumbe abanye abasebenzisi abazi, kepha futhi ngalo mkhiqizo wezezimali lo mholo ongaguquguquki ungatholwa kubahlanganyeli bezimali. Ngoba empeleni, kunemikhiqizo eminingi yalezi zici ezisabalalisa izabelo kunabatshali zimali ngokwabo abakholelwa njengamanje. Yize kujwayelekile ukuthi le nkokhelo yenziwe ibe semthethweni kwizimali zokutshala imali okulinganaZibuye zivele emalini engenayo engaguquki ngisho nakwezinye izinhlobo. Kungenye yezinto ezintsha ezivezwe yile makethe eminyakeni yamuva nangaphezulu kokunye ukucatshangelwa kwezobuchwepheshe.

Ngakolunye uhlangothi, izinzuzo ezikhwameni zotshalo-mali zinemishini efanayo nokuthengwa nokuthengiswa kwamasheya emakethe yamasheya, cishe akukho mehluko ukucabanga ngomholo wakho. Akumangalisi ukuthi sikhuluma ngohlelo olufanayo lokukhokha ngoba ekugcineni kosuku lusefana, okungukuthi, izinzuzo. Njengolunye uhlelo olungaguquki lokwenza ngcono impesheni ephansi ekhona ezweni lethu njengamanje. Kudingeka imali encane kuphela ukutshala kulo mkhiqizo ukutshalwa kwezimali kwangasese. Okungathi ngasikhathi sinye kube nenzuzo ngokufakwa kuhlu kwayo ezimakethe zezezimali, noma kungaba yini.

Izinzuzo zalolu hlelo lokutshala imali

utshalomali

Ezimweni ezimbili esesizibalile kukhona uchungechunge lwezinzuzo esingazuza kuzo ngakho-ke kulula kakhulu ukuthi sizazi ngalezi zikhathi eziqondile. Ikakhulukazi uma sikhetha le modeli yokonga eyingqayizivele, phakathi kwayo iminikelo elandelayo ivelele:

  • Ungalawula lolu hlobo lwenzuzo usuku lonke futhi uvumelane nezintshisekelo zabasebenzisi. Lokho wukuthi, akukhona ukutshalwa kwezimali okumile, kepha ngokuphambene nalokho iguquguquka kakhulu.
  • Akudingekile unikele ngemali njalo ngenyanga njengoba kwenzeka ngezinhlelo zempesheni. Esikhundleni salokho, kuqala kumnikelo wokuqala futhi ongakhuphuka ngaphezu kwezinyanga noma iminyaka.
  • Ungakhetha ukukhokha ngezinzuzo, kungaba ngezimali zokutshala imali noma ngokuthengwa nokuthengiswa kwamasheya emakethe yamasheya. Ngokuya ngokukhonjwa phambili kwakho emkhakheni wokutshala imali kanye nephrofayili oyethula njengomtshalizimali omncane naphakathi.
  • Kungenye indlela labo bonke abathathe umhlalaphansi abangakhetha kuyo nalapho kuzodingeka khona kuphela ube nesikhwama sokonga eyakhiwe ngokuhamba kweminyaka. Kusuka enanini elilinganisiwe kuya kumanani aphezulu impela. Akunamkhawulo ekwakhiweni kwalesi simodeli kutshalo-mali.

Ekugcineni, ikuvumela ukuthi ukhethe ezinhlobonhlobo zamathuba wokuthuthukisa inani lempesheni. Akumangalisi ukuthi inzuzo yalezi zinzuzo ihamba ebangeni elibanzi kakhulu elihambayo kusuka ku-3% kuya ku-10%. Unezinketho eziningi lapho ungakhetha khona ukwengezwa kwempesheni yakho yomhlalaphansi.

Isisetshenziswa sempesheni esinganikeli

Kuzo zonke, lesi sigaba sezengezo zemiholo singasetshenziswa kuzo zombili izimpesheni ezinikelayo nezinganikeli. Ngalo mqondo, kufanele kukhunjulwe ukuthi lezi zokugcina zisanda kwenzeka eSpain. Njengoba kucatshangwe ngoMthetho 26/1990, wangoDisemba 20, lapho izinzuzo ezingekho ezinikelweni ezisungulwa Kwezokuphepha Komphakathi kwezakhamizi ezisesimweni sokudinga, noma ngabe zazingakaze zinikele Ohlelweni, noma zazingazange zenze isikhathi esanele kubangele ilungelo lempesheni enikelayo. Kepha lapho-ke kuzoba nempesheni ephansi kakhulu engadluli kuma-euro angama-400 inyanga ngayinye.

Ngakolunye uhlangothi, kufanele kuqashelwe ukuthi kulezi zimo kuzodingeka impela ukuthi abathathe umhlalaphansi babe nesengezo empeshenini engakhokhi. Futhi ingaqhubeka ngokuphelele kusuka kulezi zinhlobo zokutshala imali esikuchazele zona kulesi sihloko futhi ezinobudlelwano obuqondile nokukhokhwa kwezinzuzo. Kokubili ezimali zokutshala imali nasekuthengweni nasekuthengisweni kwamasheya ezimakethe zezimali. Umbono osebenzayo wokuthi ungaqala kusuka kulezi zikhathi eziqondile. Ukuba ne- imali engenayo engaguquki futhi eqinisekisiwe njalo ngenyanga kusukela ngesikhathi sokuthatha umhlalaphansi.

Abazuzi bempesheni

ama-mayores

Enye yezinto okufanele ibhekwe uma kuqoqwa impesheni yomhlalaphansi engakhokhi yilelo elihlobene nezidingo zokuyithola. Impesheni enganikeli inikezwa lezo zakhamizi zaseSpain ezimeni zomhlalaphansi noma zokukhubazeka futhi ezisesimweni sokudinga, ezihlangabezana nochungechunge lwezici ezikhethekile. Enye yezinto ezibaluleke kakhulu nnoma babe nemali engenayo eyanele. Kucatshangelwa ukuthi kunokushoda kwemali engenayo lapho imali etholakalayo ingaphansi kwama-euro ayi-5.136,60 ngonyaka. Ngale ndlela, bazokwazi ukufinyelela ekukhokhelweni kwale mpesheni.

Yize kuphambene nalokho, impesheni enganikeli ngeke ivumele ukujabulela, njengoba kunengqondo ukucabanga, amandla amancane okuthenga ngalesi sigaba esibaluleke kakhulu ezimpilweni zezakhamizi. Lapho kuzodingeka khona ngokuphelele ukuthi incediswe ngohlelo lokusatshalaliswa kwemali, kepha ilungiswe futhi iqinisekiswe njalo ngenyanga. Noma ngabe lokhu kungaba kuncane kangakanani, inqobo nje uma imikhawulo ethile yemali engenayo enelungelo lempesheni enganikeli ingeqi. Cishe, ngaphezulu noma ngaphansi, ama-euro ayi-7.000 noma ama-8.000 ngonyaka. Lokhu kuzoba yinto okumele abatshalizimali abancane nabaphakathi bayilandele uma bekhetha lolu hlelo lweminyaka eyigolide.


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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.