Isinyathelo-Phezulu kwiSiseko
Intlawulo yexabiso lentengo iqala ngesiseko sakho kwi-asethi-into oyihlawule ngayo kwaye, kwezinye iimeko, iindleko zaliphi na uphuhliso olusisiseko. Uya kuhlawula irhafu yerhafu yexabiso lentengo phakathi kwexabiso lokuthengisa kunye nesiseko sakho xa uthengisa ipropati, okanye unokufumana ukulahlekelwa kwemali xa intengo yokuthengisa ingaphantsi kwesiseko sakho.
Isiseko sakho kwisakhiwo esizuze ilifa akusiyo into eyayihlawulwa ngayo ekuqaleni. "Yenyuka" kwixabiso le-asset njengosuku lokufa kwakhe, kwaye oku kungenza umehluko omkhulu. Olu nyathelo lusetyenziswa ngokusisiseko kuzo zonke ifa ezizuze ilifa, kubandakanywa izitokisi, izibophelelo kunye nezakhiwo.
Indlela iNyathelo Ephakamileyo Ngayo Isisindisa IiDola zeRhafu
Nasi umzekelo weenjongo zokubonisa. Uzuze indlu evela kuyise. Wahlawula i-$ 50,000 kwizindlu ezingama-30 edlulileyo. Awufuni ukuhlala kwindlu okanye uhambe ngendlala yokuqeshisa, ngoko uyayithengisa.
Ithengisa i $ 400,000. Ngokwemigaqo yerhafu yesiqhelo, uya kuhlawulwa irhafu yentlawulo kwi $ 350,000 kwinzuzo ngaphandle kokunyathela. Unokuhlawula irhafu yexabiso lentlawulo yexabiso lentlawulo engaphezulu kwama-20 ekhulwini okanye ngaphezulu kule nzuzo, kuxhomekeka kwindlela eninzi enye engenayo kunye nokuhlala ixesha elingakanani ngaphambi kokuba uthengise.
Ngoku makhe sijonge imeko efanayo ngokusebenzisa isinyathelo-siseko ngokusesikweni.
Nangona uyihlo ahlawula i $ 50,000 kuphela kwindlu, yaxabiswa kwi-$ 350,000 njengosuku lokufa kwakhe. Oku kukunyuka kwakho: i-$ 350,000, kungekhona i-$ 50,000, umahluko omkhulu. Uya kuhlawulwa irhafu yerhafu kwi-$ 50,000 kwiingeniso.
Isaziso malunga neMali yeNtlawulo yeNgeniso yeMali
Ukuzuza kweenkunzi kukufutshane okanye ixesha elide.
Ukuba uthengisa indlu ngaphakathi konyaka wokuthabatha ubunikazi, oku kuzuzwa kwexesha elifutshane kwaye kuhlawulwa njengemali engenayo. Unako ukuhlawula malunga neepesenti ezingama-28 kulo mzekelo xa ufumana i-$ 100,000 ngonyaka kwaye ungatshatanga-le ngxowa yerhafu yengeniso uza kuwela kuyo. Kodwa ukuba ufumana i-$ 36,000, uza kuba kwibhonksi yerhafu yeepesenti ezingama-15 ngo-2016, ngoko ke konke okuya kuhlawula.
Emva koko kukho "ukukhutshwa kwentlawulo yerhafu yokuthengisa ekhaya" engakukusindisa ekuhlawuleleni imali eyinzuzo kulolu hlobo lweempahla ngokupheleleyo. Ukuba ulifa ilifa kwaye uhlala kwipropati ubuncinane ubuncinane kwiminyaka emibili ngaphambi kokuthengisa, unako ukufikelela kuma-250,000 kwiingeniso ezinkulu ngaphandle kokuhlawula irhafu kuyo ukuba ungatshatanga.
Kufuneka uyisebenzise njengendawo yokuhlala eyintloko. Ukudibanisa kunye nesinyathelo esiphezulu kwisiseko sepropati yakho esenza imali yakho ifike kwi $ 50,000, awuyi kuba neerhafu yerhafu xa uhlala kweli propati ubuncinane ubuncinane iminyaka emibini.