Xa uqokelela iNgcaciso yeNtlalo kwixesha elide, lixesha lakho elibaluleke kakhulu.
Xa usuqhawule umtshato, xa kuziwa kwiintlawulo zentsapho yoKhuseleko lweNtlalontle, ubudala bakho bubaluleke ngaphezu kweminyaka yobudala bakho. Nantsi indlela esebenza ngayo.
I-Old Ex
Lo mbuzo wathunyelwa nge-imeyile kum, "Mna, ndinemibuzo malunga neenzuzo kumntu ohlala kumyeni woKhuseleko loLuntu. Ndiya kuba ngu-Juni ngo-Juni. i-20. Andizange nditshatile kwakhona.
Ingeniso yakhe idlula kwam. Yonke into endiyifunayo ayicacanga ukuba ngaba kufuneka abe ngu-66 (iminyaka epheleleyo yomhlalaphantsi ngaphambi kokuba ndiqokelele isiqingatha sakhe) okanye 62. Ngaba ndingakuqokelela i-30% kunyaka owodwa, ngelixa uneminyaka engama-65 ukuya kuma-66, kwaye uqokelele i-50% Ngokukhawuleza xa ephendukela kwi-66? - K "
Impendulo inamalungu amaninzi.
Phendula Ingxenye 1: Lo mntu unokuqokelela inzuzo yomtshato ngoku, nangona i-ex yabo ingekho 66.
Unokuqokelela inzuzo yomtshato xa uneminyaka engama-62, kunye nexesha elide ukuba lakho iqabane li-62 - nangona i-ex yakho ingazange ifake iinjongo zayo. Ndiyiphendula le ngongoma yesi-6 ye- 10 ye-10 yoLuntu lweNgcaciso yeNtlalo malunga neNzuzo ye-Ex Yowesifazane inqaku elilandelayo: " Umlingani wakho wesibini akudingeki ukuba afake iifayile zezoKhuseleko zeNtlalo ukuba ufanele ukufumana inzuzo esekelwe irekhodi, kodwa kufuneka bafanelekele ezi ntlawulo. (Kumele ukuba ubuncinane ubuneminyaka engama-62 ubudala, ubudala bokuqala ufanelekile ukuba uncedo lwezenhlalakahle zentlalo.) "
Inxalenye elandelayo yombuzo ibuza, "Ngaba ndinokuqokelela i-30% kunyaka omnye, ngoxa uneminyaka engama-65 ukuya kuma-66, kwaye uqokelele i-50% ngokukhawuleza xa ejika nge-66?"
Phendula iNgxenye 2: Cha, ayisebenzi ngaloo ndlela. Ukuncitshiswa kwezibonelelo kuxhomekeke kwiminyaka yakho yokuhlala umhlalaphantsi , kungekhona umlingane wakho. Ziziphi iindaba ezilungileyo kulo mzekelo.
Ukuba uqokelela uncedo lomtshato xa uneminyaka engama-66 kwaye iqabane lakho lingama-65, likholelwe okanye cha, uza kufumana inzuzo epheleleyo ye-50% yokuqhawula umtshato ngenxa yokuba ufikelele kwiminyaka yakho yokuhlala umhlalaphantsi.
Ukuba wakho umlingane wangaphambili wayeneminyaka engama-62 kuphela kwaye uneminyaka engama-66, usenokufumana inzuzo epheleleyo ye-50% yomtshato. Ngaphambi kokuba wenze oku ungafuna ukuqwalasela enye inketho.
Ekubeni ufikelele kwiminyaka yakho yokuhlala umhlalaphantsi, ukuba uzalwe ngomhla okanye phambi kukaJanuwari 1, 1954, unokufuna ukucwangcisa isicwangciso apho ufaka isicelo esisemthethweni sokufumana isibonelelo somtshato (ukhawulela isicelo sokuba ucele kuphela ukutshata.) Unokufakela kuphela olu hlobo lwesicelo esithintele ukuba ufikelele kwiminyaka yakho yokuhlala umhlalaphantsi. Emva koko uza kutshintshela kwinzuzo yakho xa ufikelela kuma-70.
Ngokufaka isicelo esipheleleyo sakho isibonelelo sakho siya kuqhubeka nokuqokelela izikripthi zokuthatha umhlala-phantsi kuze kube yilapho ufikelela kwiminyaka engama-70. Esi sicwangciso sinokusebenza ukuba uneminyaka engama-70 inzuzo iya kulindela ukuba iphakame kunokuba uneminyaka engama-66 inzala yakho, kuba kuya kukuvumela ukuqokelela inzuzo yomtshato iminyaka engama-4 ngaphambi kokuba utshintshe inzuzo yakho. Ngenxa yemithetho emitsha yoKhuseleko lweNtlalo edluliselwe ngoNovemba ka-2015, olu khetho olukhethiweyo lwesicelo alufumanekanga ukuba uzalwe ngomhla okanye emva kukaJanuwari 2, 1954.
Qaphela: ukuba ufaka phambi kokuba ufikelele kwiminyaka yakho yokuhlala umhlalaphantsi, kungakhathaliseki ukuba usuphi usuku lwakho lokuzalwa eli cwangciso lokutshintsha alisebenzanga njengoko ungeke ufake isicelo esipheleleyo ngaphambi kokuba ufikelele kwiminyaka yobudala yomhlalaphantsi.