Ubomi-kuphela, Ubomi boBumbiswano kunye neNkcitho ethile
Ubomi Bokuphela Kweentlawulo Zemali
Iintlawulo zodwa eziqhubekayo ziqhubeka ngokude uhlala-kodwa kha wuleza ekufeni kwakho. Nangona uhlala iminyaka engamashumi amane okanye amahlanu, iintlawulo eziqinisekileyo ziya kuqhubeka, xa inkampani yomshuwalense ihlala kwishishini.
Isexwayiso: Ukuba ukhetha ukhetho olulodwa lobomi, kwaye unyaka owodwa kamva, inkampani yomshuwalense ayibuyisanga yonke inqununu yakho kwiindlalifa zakho ngaphandle kokuba ukhethe inketho yokubuyisela inqununu, okuyiyo iindleko ezingaphezulu. Oku kwenza iintlawulo zemivuzo yonyango kuphela kukukhetha okungcono kumabhawulwa ngaphandle koonyana, kodwa akuyiyo into ekhethekileyo kwiibini ezitshatileyo.
Ixesha elilodwa lonyaka eliza kuphila liza kubangela umrhumo ophezulu wenyanga ngenzuzo ngaphezu kwexesha lokuphila ngokubambisana.
Iintlawulo Zemivuzo Yokuhlanganiswa Kwezobomi
Ngokuqhelekileyo izibini; Iintlawulo zenkxaso-mali yokudibanisa zihlelwe ngendlela efana neyokuphila kuphela, kodwa iintlawulo ziya kuqhubeka ngokude umntu ohlala naye.
Nangona uza kufumana imali engaphantsi kwenyanga kunokuba ukhethe ukhetho lobomi kuphela, ukhetho lokuphila ngokubambisana-mali luqinisekisa ukuba ingeniso iya kuqhubeka kunye neqabane eliseleyo.
Uninzi lwezicwangciso zempesheni zinika ukuhluka kweentlawulo zentsebenziswano, okuvumela ukuba uqhubeke 50% wenzuzo, okanye i-75% yenzuzo kumlingane ohlalayo, endaweni ye-100% yenzuzo.
Olu khetho lunokusetyenziswa ukuba iqabane liyakudinga inxalenye yengeniso yakho yomhlalaphantsi ekufeni kwakho, kodwa kungekhona yonke into.
Ukuba ukhetha i-100% yenzuzo yokuqhubeka nomlingane osasalayo uya kufumana umvuzo osisiseko senyanga ngaphezu kokuba ukhetha kuphela i-50% ukuqhubeka nomlingane ohlala naye.
Ukuba utshatile kwaye kufuneka wenze isigqibo malunga nendlela zakho zokufumana umhlalaphantsi eziza kuhlawula ngayo, qi
Iimali zokuThuthwa kweeNkcitho ezithile
Ixesha elilodwa leminyaka elithile lokuhlawula umvuzo lithetha ukuba iintlawulo ziqinisekisiwe ukuba zenzelwe ubuncinci iminyaka elishumi. Ukuba ubuya kudlula kunyaka wokuqala, iintlawulo ziya kuqhubeka kunye nomntu obizwa ngokuba ngumxhamli-mali kuye kwaphela iminyaka elishumi ukusuka kwintlawulo yokuqala.
Emva kweminyaka elishumi yokuqala, iintlawulo ziyayeka. I-annuity ethile yexesha iyakwenza indlela efanelekileyo yokubonelela ngeniso kwiimeko apho unomthombo wesibini wemali engenayo eya kuqala ngomhla ozayo.
Ngokomzekelo, ukuba umhlala phantsi ngowama-60, kodwa inzuzo yakho yomhlala-phantsi ayiyi kufikelela kwiminyaka yobudala engama-65. Unokuqwalasela ukuthenga ithuba eliyiminyaka emihlanu elithile lokunikezela ngenzuzo kwiminyaka emihlanu phakathi kweminyaka yobudala engama-60 ubudala.
Ixesha elifanelekileyo lokuhlawula liyakwazi ukukhetha ngokufanelekileyo umlingane omncinci apho kunokwenzeka ukuba bahlala bede kakhulu; ixesha elithile linikezela ukhuseleko kumlingane omdala nje ukuba umncinane kufuneka adlule kuqala.