Ngokugqibeleleyo, kwiSigaba okanye kwi-Trusttime Trust Trusts
Ukushiya iiAfa ngokuchanekileyo
Kubantu abaninzi, ukufumana abaxhamli abadala kwilifa elilodwa kwisona esinye seyona ndlela elula kakhulu yokuhamba.
Ngoba? Ngenxa yokuba ayiyi kuba nemibandela yolawulo okanye ukufikelela, nje umcimbi wexesha-ngamanye amagama, xa zonke iindleko kunye neerhafu zokugqibela (zombini iintlawulo zerhafu kunye neerhafu zerhafu) zihlawulwa, ngoko oko kushiywe ngaphezulu kuya kusasazwa ngqo kubaxhamli. Kodwa kukho ukungabikho kwemithwalo emininzi kule ndlela:
- Ukuba umxhamli unobungozi ngokulawula imali, ilifa labo liya kuhamba ngaphandle kwexesha.
- Ukuba umxhamli usemtshatweni ombi, ngoko ilifa labo liyakwazi ukulahleka kwindawo yokuqhawula umtshato.
- Ukuba umxhamli usebunciphekweni obunobungozi obuphezulu, ifa labo linokuthi lithathe inkundla.
- Ukuba umxhamli sele sele ucebile kwaye unelungelo lokurhafelwa, ifa labo liza kufaka irhafu eyongezelelweyo kwi- bill tax tax .
Ngaloo ndlela, xa sicinga ukusetyenziswa kweempazamo ezicacileyo kubaxhamli abadala, ixabiso lefa kufuneka lilinganiswe ngokumalunga nobudala, amava kunye neemeko zentsapho kunye nezezimali .
Ukushiya iiAfa kwiSiteji
Enye inxaxheba kukubamba ifa lomntu onomzuzi omdala kwingxowa-mali kunye nokuhlawula umxhamli omnye okanye ngaphezulu kwemali kwisiteji - ngamanye amagama xa umzuzwana efikelela kwiminyaka ethile okanye ufezekise injongo ethile; ngoko baya kufumana ukusabalalisa kwelifa labo.
Ngokomzekelo, unokuhlawula umxhamli we-50% welifa labo xa befikelela kwiminyaka engama-25 kwaye ke ibhalansi ye-30, okanye i-50% xa ifumana i-degree degree kunye ne-balance xa igqibile isikolo. Okwangoku, ipropati ebanjwe kwingxowa-mali yokuxhaswa ngumxhamli ingasetyenzwa yiTrasti ukuhlawula i-kholeji ye-kholeji okanye imfundo ephakamileyo, iibhilidi zonyango, imoto, okanye indlu kunye nayiphi na imini ngemihla kwimfuno. Nangona kunjalo, xa umxhamli efumana isabelo semali, iimpazamo ezifanayo njengokushiya ifa elipheleleyo liza kusebenza. Ezinye izithintelo zokusebenzisa i-trust ethembisekileyo ziquka iindleko ezongeziweyo zokubhaliweyo kunye neengcebiso zomthetho ngexesha lexesha lokubambisa kunye nentlawulo leyo iTrasti iya kuhlawula iinkonzo ezinikezelwa ekulawuleni i-trust.
Ngaloo ndlela, xa sicinga ukusetyenziswa kwetembeko elithengileyo, inani lelifa kufuneka lilinganiswe neendleko zexesha elide lokulawula i-trust (i- accounting accounting kunye nemirhumo yomthetho kunye nemirhumo yeTrasti ) kunye nobudala, amava kunye nosapho kunye imeko zezimali zabaxhamli.
Ukushiya iiAfa kwi-Lifetimetime Trust Trust
Inketho yokugqibela kukuba ushiye ilifa lomxhamli kwingxowa-mali yokuqonda yokuphila kwabo bonke ubomi.
Kukho iintlobo ezininzi zokukhetha olu khetho:
- Ukuba isivumelwano sokubhaliweyo sibhaliwe ngokufanelekileyo, i-asethi ebanjwe kwi- lifetime yokubambisana yokuthembela iya kuhlala ikhuselekile ekuqhawuleni umtshato, amacala okugweba, kwaye, ukuba i- Trustee yenkampani (ibhanki okanye i-trust company) isetyenziswe, ngoko ke izigqibo ezimbi kunye neempembelelo zangaphandle.
- Ukuba kukho nantoni na eseleyo kwixesha lokuphila elithembekileyo xa kuthe xa umzuzi efa, unokulawula ukuba ngubani oya kufumana okushiyekileyo.
- Ukuba umxhamli sele sele enexabiso elihle, okanye ukuba ufuna ukudala ilifa losapho elihlala ixesha elide, unako ukumisela ixesha lokuphila elithembekileyo lokuthembela njengenkosi yokuzithemba eya kuphesela irhafu yezindlu kwindawo yokufumana umxhamli kunye nakwiindawo yabo yonke inzala.
- Unokukhetha umntu wesithathu njengoTrasti ngelixa umxhamli uncinci ukukhusela umxhamli kwizigqibo ezimbi kunye neempembelelo zangaphandle kodwa wenze umxhamli wabo iTrasti ngexesha elicinga ukuba baya kuba nexanduva lokulawula ngokupheleleyo.
- Ngakolunye uhlangothi, unokwenza i- Trustee yenkampani (ibhanki okanye i-trust company) ngexesha lonke lethemba eliya kuqinisekisa ukuba imiyalelo oyishiyile kwisivumelwano sokubambisa isabelo iya kwenziwa kwaye ithintele i-trust trust ekubeni isasazwa ngaphandle kwelayini yakho yegazi ukwenzela ukuba nantoni na esele kwi-fund trust kwisizukulwana ngasinye iya kudlula kwinzala yakho.
Nangona kunjalo, ukungaphumeleli kokusebenzisa i-trusttimetime trust trust kuyinto efanayo neyokusebenzisa iindleko ezongeziweyo zetrust kunye neendleko zokunika ingxelo kunye neengcebiso zomthetho kunye nemirhumo yeTrasti. Ngaloo ndlela, xa ucinga ngokusetyenziswa kwexesha lokuphila lokuzithemba, ixabiso lefa kufuneka lilinganiswe ngeendleko kunye neendleko ezihambelana nokulawula i-trust kunye nobudala, amava kunye neemeko zentsapho kunye nezemali zabaxhamli kunye nexesha elide. iinjongo zokuceba.