Uluphi Umhlala-phantsi opheleleyo weeNtlalontle zeNtlalo?

Ubudala beminyaka yokuthatha umhlalaphantsi liyinxalenye ebalulekileyo yezibonelelo zakho.

Umhlala-phantsi ohlala phantsi (FRA) awunjalo umdala wonke umntu, njengoko kuqinisekiswe ngumhla wakho nomnyaka wokuzalwa. Yilona unyaka apho uvumelekile ukuba ufumane isixa sakho "esipheleleyo" seNkxaso yeNtlalo.

• Ukuba uqokelela uncedo ngaphambili kwe-FRA, iinzuzo zakho zincitshiswa. Okokuqala unokuqokelela izinzuzo zomhlala-phantsi zomhlala-phantsi uneminyaka engama-62 ubudala.
• Ukuba uqala izibonelelo emva kwe-FRA izibonelelo zakho zonyuka njengoko ufumana inzuzo yento ebizwa ngokuba yi-credits delayed credits.

Uhlobo Luni na Unyaka Wokuzalwa Luchaza I-FRA Yakho

Ukhuseleko lweNtlalo likujonga ukuba ufikelele kwiminyaka engaphambi komhla wokuzalwa kwakho, ngoko i-khalenda kwiminyaka engezantsi isebenza kumntu ozelwe ngoJanuwari 2 waloo nyaka kumntu ozelwe ngoJanuwari 1 wonyaka olandelayo. Ukugcina engqondweni, nantsi i-FRA ngonyaka wokuzalwa:

• Ukuba uzalwe ngo-1937 okanye ngaphambili, i-FRA ingama-65.
• 1938: 65 neenyanga ezimbini
• 1939: 65 kunye neenyanga ezine
• 1940: 65 kunye neenyanga ezintandathu
• 1941: 65 kunye neenyanga ezi-8
• 1942: 65 kunye neenyanga ezili-10
• 1943--1954: 66
• Ngo-1955: ii-66 kunye neenyanga ezimbini
• Ngowe-1956: ii-66 kunye neenyanga ezine
• Ngo-1957: ii-66 kunye neenyanga ezintandathu
• Ngo-1958: ii-66 kunye neenyanga ezi-8
• Ngo-1959: ii-66 kunye neenyanga ezili-10
• Ukuba uzalwe ngowe-1960 okanye kamva, Umhlala-phantsi oPheleleyo u-67.

Ukuba Wazalwa Ngomhla Wonyaka okanye ngomhla we-1 weNyanga

Xa uqikelele i-Age yakho yomhlala phantsi, njengoko kuboniswe ngasentla, kubalulekile ukwazi ukuba ngokwemiqathango yoKhuselo loLuntu, ukhangelwa ukuba ufikelele kwiminyaka ngaphambi komhla wokuzalwa kwakho.

Ukuba uzalwe ngowokuqala konyaka, sebenzisa i-FRA ngonyaka ngaphambi komnyaka wakho wokuzalwa.

Njengomzekelo wolawulo lokudala, umntu ozalelwa ngoJanuwari 1, 1956, uya kuba ne-FRA yeeyure ezingama-66 neye-2-njengoko bezalelwe ngomhla we-1, bacingelwa ukuba bafikelele kwiminyaka eyi-66 neye-2 ngo-1955 .

Ngeenjongo zenyanga unelungelo lokufumana iinzuzo, ukuba uzalwe ngowokuqala kwenyanga, ucingelwa ukuba ufikelele kule minyaka ngaphambi kwenyanga. Omnye owazalwa ngoFebruwari 1, 1950, uya kuba nelungelo lokufumana isixa-mali se-FRA enyangeni kaJanuwari, nangona iintlawulo zihlawulwa emva kweemali, emva koko ingqalelo ayiyi kufunyanwa kwinyanga kaFebhuwari.

Kwiwebhsayithi yezoKhuseleko zeNtlalo ubone iphepha lePhepha eliPheleleyo lomhlalaphantsi ukuze uthole iinkcukacha ezongezelelweyo.

I-FRA ihlukile kuMhlolokazi okanye Umhlolokazi

Ukuba ufuna isicelo somhlolokazi okanye umhlolokazi, inzala yokuqala ungayifumana le mivuzo ingama-60 ubudala, xa uza kufumana inzuzo ephantsi. I-FRA yezibonelelo zakho zokusinda ziyahluka kancinane kune shedyuli ngasentla.

Umzekelo, umntu ozalwe ngo-1945 ukuya ku-1956 uza kufumana i-FRA yabo yonke inzuzo yokufumana inzuzo kwiminyaka yabo engama-66 (oku kwahlukileyo kunama-1943 ukuya ku-1954 kwiintlobo zomhlala-phantsi kwi-table ngasentla. I-FRA ihlukile kubahlolokazi nabahlolokazi.

Kutheni Ukwazi I-FRA Yakho Kubalulekile

Ukwazi i-FRA yakho kubalulekile ngezizathu ezibini.

1. Ukuba uthatha inzuzo yeNtlalo yeNtlalo phambi kwe-FRA yakho, uya kufumana inzuzo ephantsi .

1. Ukuba uthatha inzuzo yeNtlalo yeNhlalakahle phambi kwe-FRA, kwaye ufumene imali engenayo ngaphezu kwemingeni yonyaka yokufumana imali , inzuzo yakho yoKhuselo loLuntu iya kuncitshiswa. Emva kokuba ufike kwi-FRA, unako ukufumana imali eninzi njengoko uyithandayo kwaye inzuzo yakho yeNtlalo yeNzuzo ayiyi kuncitshiswa.

Ukongezelela, izibini, kwiimeko ezininzi ukuba iqabane elifumene elona lide lide lize lifike kwi-FRA okanye emva koko liqale izibonelelo zingabangela ukuxhaswa okukhulu kwiindleko zokusinda. Ukuba utshatile, qiniseka ukuba ulungelelanisa isinqumo sakho sokubambela ukubeka ezo zibini kwindawo ekhuselekileyo.