Ziziphi iintlawulo zePropati
Oorhulumente basekhaya basebenzisa uvavanyo lwakho lwerhafu njengesiseko somrhumo wakho werhafu wonyaka, kwaye iirhafu zepropati zihlala zifumana imithombo ebalulekileyo yengeniso.
Ezi ntlawulo zihlawula izikolo, iipaki kunye nokuzonwabisa, imirhumo yabasebenzi bakaRhulumente kunye neenzuzo, izibonelelo zendlela yokuthutha, kunye nokunyanzeliswa komthetho kunye namasebe omlilo.
Xa iPropati ihlolwa
Ixesha lokuvavanywa kweerhafu lingahluka ngolawulo, kodwa lwenzeka rhoqo kanye ngonyaka okanye ngamnye unyaka. Ezinye iindawo zihlola kuphela xa isakhiwo sitshintsha ubunikazi, kodwa oku akunqabile.
Kuhlolwa njani ipropati
Oorhulumente bavanya ukuhlola ipropati ngenye yeendlela ezintathu:
- Indlela yokubuyisela iqikelele ukuba bekuya kuba yindleko enkulu ukuthatha indawo yepropati ngokubhekiselele kwizinga langoku labasebenzi kunye nezixhobo. Ukuncipha kweengqiqo kuyancitshiswa kwaye ixabiso lelizwe apho isakhiwo siphezulu sihlala songezwa.
- Indlela yokuthelekisa yokuthengisa isekelwe kumanani athengisa iimpahla ezifanayo kwindawo esondeleyo. Ixabiso lihlonyelwe phezulu okanye liphantsi kuye kuxhomekeke kwiimpawu ezikhethekileyo zepropati okanye ukungabi naso. Ukuba ipropati ehlolwayo ibinombutho wokubhukuda ngelixa kuthengiswa okuthelekiswayo kuloo ndawo akuzange kwabelane nalo mbandela, ixabiso elihlolwe liya kwanda. Ukuba ipropati ayinayo idama kodwa ukuthengiswa okuthelekisiwe kwenzile, ixabiso elihlolwe liya kuhla. Inkqubo ifana kakhulu naleyo esetyenziswe ngababolekisi ukuba bafunde ipropati ngenjongo yokuboleka imali.
- Ipropati yoshishino iphinda ihlolwe ngokusetyenziswa kwendlela yokufumana imali - inani lemali engenayo ipropati ivelisa iimeko ezifana neentlawulo zeshishini, iindleko zinshorensi, kunye nezindleko zokusebenza kunye nokugcinwa.
Iimali zepropati zibalwa njani
Ipropati yakho yerhafu yepropathi iqala ngovavanyo lwexabiso lemarike yakho.
Oorhulumente abaninzi baye bavumela ukuxolelwa onokuyithatha ukuze unciphise uvavanyo, njengokukhutshwa komakhaya ukuba uhlala kwindawo yokuhlala. Imirhumo ibalwa kwibhalansi kwizinga elibekwe ngumbuso wokurhoxisa, ngamanye amaxesha obizwa ngokuba yi-multiplier okanye umyinge wokulinganisa, kuwo onke amakhaya kunye neepropati kuloo ndawo.
Umyinge wokugaya umela enye yeyunithi yemali, okanye enye yeshumi yekhulu: i-$ 0.001. Ipropati yerhafu yepropati iya kufakwa ngokuphindaphinda ixabiso layo elivandlakanywe ngumyinge wegill kunye nokwahlula umphumo we-1,000.
Nasi umzekelo. Ixabiso lexabiso lepropati yakho libekwe kwii-250,000 zamaRandi kunye nomyinge wokugunyiswa kwamagunya akho ahlawulisayo. 10. I-bill yakho yerhafu iya kuba yi-$ 2,500 ngonyaka.
QAPHELA: Imimiselo yelizwe kunye neendawo zitshintshe rhoqo kwaye ingcaciso engentla ingabonakali utshintsho olutshanje. Ukongezelela, imigaqo esetyenziswa kwiirhafu zepropati ngabaphathi beerhafu zendawo ziyakwazi ukuhluka ngokubanzi ngokulawula. Nceda uqhagamshelane nommeli wengingqi okanye umgcini-mali kwi-advisory to-date-to-date. Ingcaciso equlethwe kule nqaku ayikho isiluleko somthetho okanye yerhafu kwaye ayifaki indawo yeengcebiso zomthetho okanye zerhafu.