Ngaba le mirhumo ingayisebenzisa njani kwinzuzo yakho ka-2006?
Iirhafu zeRhafu zenyuka zikhula ngokukhawuleza njengoko inzuzo ephumayo; ezi ntlawulo ziyasebenza kuphela kwingeniso kwibhanki nganye yerhafu kunye neyokufumana imali engenayo yerhafu.
Ingeniso engekho-ntlawulo ifaka izinto ezinjenge-interest-free interest in bonds kamasipala, ukulungiswa komgca ongaphezulu kwe-line , ukuchithwa okukodwa okanye ukuchithwa okuqhelekileyo, kunye nokuxolelwa komntu kwaye kuxhomekeke kuye . Ingeniso yakho ehlawulwa irhafu iya kuba phantse ibe ngaphantsi komvuzo wakho.
Ukuzuza kweentengo kuhlawulwa intela kwiirhafu ezahlukeneyo zerhafu.
Le yimivuzo yerhafu efaka isicelo kwingeniso efunyenwe kunyaka werhafu ka-2006. Iipesenti zeebakaki azitshintshi kakhulu unyaka unyaka ngaphandle kokuba iCongress ithathe ukunyathela, kodwa iifom zemivuzo ezizifihlayo zijwayele ukulungiswa ngokuphindaphindiweyo ukuze zihambisane nexabiso lentengo. Iingeniso zengeniso zitshintshana ngokoko lokufaka indawo.
Isimo sokuFowula esisodwa
- Ipesenti ezili-10 kwimali engenayo phakathi kwe-$ 0 kunye ne-7,550 yezigidi
- Ipesenti ezili-15 kwimali engenayo phakathi kwe-$ 7,550 kunye nee-30,650 zamaRandi kunye ne -755.00
- Ipesenti ezingama-25 kwimali engenayo phakathi kwe-$ 30,650 kunye ne-74,200 zamaRandi kunye ne -4,220.00
- Iipesenti ezingama-28 kwimali engenayo phakathi kwe-$ 74,200 kunye needola ezili-154,800 kunye ne -15,107.50
- Iipesenti ezingama-33 kwimali engenayo phakathi kwe-$ 154,800 kunye ne-$ 336,550 kunye ne -37,675.50
- Iipesenti ezingama-35 kwimali engenayo ngaphezulu kweedola ezingama-336,550 kunye ne -97,653.00
Umtshato ozaliswayo kunye noMhlolokazi oFanelekileyo (er) UkuFakela imeko
- Iipesenti ezili-10 kwimali engenayo phakathi kwe-$ 0 kunye ne-15,100 yezigidi
- Ipesenti ezili-15 kwimali engenayo phakathi kwe-$ 15,100 kunye ne-61,300 zamaRandi kunye ne -1,510.00 yamaRandi
- Ipesenti ezingama-25 kwimali engenayo phakathi kwe-$ 61,300 kunye needola 123,700 kunye ne -8,440.00
- Iipesenti ezingama-28 kwimali engenayo phakathi kwe-$ 123,700 kunye ne-188,450 yezigidi kunye ne -24,040.00
- Iipesenti ezingama-33 kwimali engenayo phakathi kwe-$ 188,450 kunye ne-336,550 yezigidi kunye ne -42,170.00
- Iipesenti ezingama-35 kwimali engenayo ngaphezulu kweedola ezingama-336,550 kunye ne -91,043.00
Utshatile Ukutshatyalaliswa Kwimeko Ehlukileyo
- Iipesenti ezili-10 kwimali engenayo phakathi kwe-$ 0 kunye ne-7,550 yezigidi
- Ipesenti ezili-15 kwimali engenayo phakathi kwe-$ 7,550 kunye nee-30,650 zamaRandi kunye ne -755.00
- Ipesenti ezingama-25 kwimali engenayo phakathi kwe-$ 30,650 kunye ne-61,850 yeeRandi kunye ne -4,220.00
- Iipesenti ezingama-28 kwimali engenayo phakathi kwe-$ 61,850 kunye ne-94,225 yee-$ 12,020.00
- Iipesenti ezingama-33 kwimali engenayo phakathi kwe-$ 94,225 kunye ne-168,275 yezigidi kunye ne -21,085.00
- Iipesenti ezingama-35 kwimali engenayo ngaphezulu kweedola ezili-168,275 kunye ne -45,521.50
INtloko yeSizwe sokuFakela imeko
- Ipesenti ezili-10 kwimali engenayo phakathi kwe-$ 0 kunye ne-$ 10,750
- Ipesenti ezili-15 kwimali engenayo phakathi kwe-$ 10,750 kunye ne-41,050 yezigidi kunye ne-$ 1,075.00
- Ipesenti ezingama-25 kwimali engenayo phakathi kwe-$ 41,050 kunye ne-106,000 zamawaka kunye ne -5,620.00
- Iipesenti ezingama-28 kwimali engenayo phakathi kwama-106,000 ne-$ 171,650 kunye ne -21,857,50
- Iipesenti ezingama-33 kwimali engenayo phakathi kwe-$ 171,650 kunye ne-336,550 yezigidi kunye ne -40,239.50 yezigidi
- Iipesenti ezingama-35 kwimali engenayo ngaphezulu kweedola ezingama-336,550 kunye ne -94,656.50
Umzekelo wokuBhaliswa kweRhafu
Oku kuphazamiseka kuyanzima kwaye kudideka, ngoko nantsi umzekelo ukubeka kwimigca ecacileyo. Siza kuthi uMariya ungumhlawuli- ntlawulo omnye kunye ne-$ 350,000 yengeniso ehlawulwayo.
Ingeniso yakhe iya kuhlawulwa irhafu kwiibhakethi zerhafu ngalendlela:
- $ 755.00 (irhafu kwi-$ 7,550 yokuqala yeholo likaMariya kwizinga le-10%) kunye
- I-3.465.00 yeerhafu (irhafu kwiholo eliphakathi kwe-$ 7,550 kunye ne-30,650 zama-dollar kwi-15 pesenti yezinga) kunye
- I-10,887.50 yeerhafu (irhafu engenayo phakathi kwe-$ 30,650 kunye ne-74,200 zamaRandi kwi-25 yepesenti)
- $ 22,568.00 (irhafu kwiholo eliphakathi kwe-$ 74,200 kunye ne-$ 154,800 kwi-28 yeepesenti ezingama-28) kunye
- Iimali ezingama-59,977.50 (irhafu yengeniso phakathi kwe-$ 154,800 kunye ne-336,550 yee-33 kwipesenti)
- I-4,707.50 yeerhafu (irhafu kwiholo elingaphezu kwe-336,550 yeerhafu kwizinga lama-35 ekhulwini) kwerhafu epheleleyo
- $ 102,360.50.
Ukujikeleza, umrhumo werhafu yengeniso kaMary ngu-$ 102,361. Iqulethe iRhafu ye-4,707.50 yerhafu malunga ne-336,550 yeerhafu-ingeniso kwi-bracket ye-35 yerhafu-kunye ne-$ 97,653.00, eyintela yerhafu kwiibhanki ezingaphantsi.
Umyinge weRhafu werhafu engaphantsi kwemali engama-35 ekhulwini, ummeli werhafu yakhe ehlawulwayo ehlawulwayo. Kodwa isantya sesingeniso salo sithuba se-29 ekhulwini-irhafu yakhe yonke ihlukaniswe yerhafu yengeniso yayo. Ngokomyinge, uMariya uhlawula iicenti ezingama-29 kuphela kwidola ngalinye lentlawulo engenayo ehlawulwayo. Isilinganiso seserhafu sakhe esezantsi siphantsi kwezinga lokuhlawula irhafu ngenxa yokuba ininzi yengeniso yakhe irhafu yerhafu ephantsi.
Utshintsho lwabathengi abaphezulu
I-Congress yongezelela ibhakethi yentela entsha kwi-39.6 yepesenti njengengxenye yomthetho owadluliselwa ngo-2013. Le bhakethi yerhafu yayijoliswe ekuchaphazeni kuphela abo abanemali eninzi. Isetyenzisiwe kwiidola ezihlawulisiweyo ezingaphezu kwama-400,000 zama-dollar kwiifayili ezingatshatanga, ii-425,000 zamaRandi kulabo abafanelekayo njengenhloko yendlu, kunye ne-$ 450,000 kwizibini ezitshatileyo ezidibene ngokubambisana. Kwakungekho ukusebenza ngo-2006, kwaye iimbalo zebhanki zerhafu ziye zenyuka kwii-418,400 zamaRandi, i-444,550 zamaRandi kunye ne-470,700 zamaxabiso ngokulandelanayo ngo-2017.
Imithetho yerhafu kunye neerhafu zingatshintsha rhoqo. Njalo uqhagamshelane neengcali zerhafu kwiimanani zamanani, ipesenti kunye nemithetho. Eli nqaku alikho iingcebiso zerhafu kwaye alinjongo njengeengcebiso zerhafu.