Xoxa ngemiba yokucwangcisela umhlalaphantsi yomtshato wakho ngaphambi kokuba uthi "Ndiyayenza"
Amacandelo oKhuseleko loLuntu
Njengesi sibini uya kuba neendlela ezahlukeneyo zokubango inzuzo yakho yeNtlalo. Umtshato uya kuthintela kule miba elandelayo yoKhuseleko loLuntu:
Iindleko zokusinda - Iindaba ezilungileyo yiyonke imali ephakamileyo yoKhuseleko loLuntu enoba yeyiphi na eyayifumanayo isixa esiba ngumntu osasalayo emva kokuba elinye iqabane lidlula.
Izibonelelo zomtshato - Njengomlingane wakho kwiminyaka yobudala ohlala umhlala-phantsi unokubangela inzuzo yomtshato kwirekhodi yomvuzo wakho, uze utshintshe imali yakho kwinzuzo yakho kwiminyaka engama-70. Kukho zonke iintlobo zeempawu, ngoko ufunde kwiimigaqo phambi kwakho qalisa i zibonelelo.
Izinzuzo kwixesha elide lomtshato lomvuzo wokufumana imali - ukuba omnye okanye bobabili unemitshato yangaphambili, awukwazi ukuqokelela ukhuseleko lwezeNtlalo xa unokutshata kwakhona.
Inzuzo kumntu owayengumfazi oshonile ofumana irekhodi - ukuba omnye wenu unomlingane owayeseshonile owayesetshatile ubuncinane ubuncinane iminyaka eyishumi, ukuba uthe watshata ngaphambi kokuba u-60 ungabanga ukuba umntu osindayo ufumane inzuzo kwingxelo yakho yangaphambili .
Kule meko ukuba uneminyaka elisondele kwiminyaka engama-60 kunokwenzeka ukuba ulinde de emva kwe-60 ukutshata kwakhona.
Amalungelo ePropati
Ukuba uhlala kwenye yepropati yoluntu yesithathu , kufuneka ukwazi ukuba xa sele utshatile zonke izinto ezithengwe ngexesha lomtshato zibhekwa njengezilinganayo. Musa ukuzithengisa impahla kunye nemali engenayo okanye wenze izinto ezinkulu zokuthenga ngaphandle kokuqonda ukuba oku kungatshintsha njani amalungelo akho okanye ubunini kwimeko apho izinto zingasebenzi.
Ukuphonononga imiphumo ngaphambi kokuba kwenziwe utshintsho akusiyo into engathembekiyo-kuthiwa ihlakaniphile.
Kungcono, udibane kunye negqwetha kwaye ufikelele kwisivumelwano sokubambisana. Ukuba awuzange uxoxe ngalezi zinto okanye uzive ukhathazekile malunga nokuthetha ngemali, mhlawumbi ungatshatanga. Ngaphambi kokuba utshatile uya kufuna ukuqiniseka ukuba unokuba neengxoxo ezilungileyo malunga nalezi zihloko.
Ucwangciso lwezindlu
Ukuba awunayo intando okanye iincwadi ezibhalwe ngokufanelekileyo ngoko umgaqo womthetho unquma ukuba ngubani ofumana ifa lakho xa usuhambe. Ukuba awuhlali ngokuthiwa ngabaxhamli kwiakhawunti yakho yomhlala-phantsi, i-annuities kunye nemigaqo-nkqubo ye-inshorensi yobomi ngoko-ke umthetho uphindela kumalungiselelo angagqibekanga kwiziko lemali eliya kukhetha ngubani ofumana ezi zinto.
Xa ubhaptile kubalulekile ukuhlaziya nokuhlaziya zonke ezi zinto. Ukuba unabantwana emtshatweni wangaphambili oku kubaluleke nakakhulu. Abantwana abaninzi banqunyulwa ngokungahambi kwilifa ngenxa yokuba umzali wabo watshata kwakhona kwaye akazange ahlaziye kakuhle ifa. Into embi iyenzeka kwaye i-voila -i-asethi inokuya kwiqabane elitsha.
Izinzuzo zeNkampani
Ukuba omnye okanye bobabini osebenzayo, fu manisa ukuba zeziphi iingenelo ezinokufumaneka kwiqabane lakho kunye nendlela ezilungelelaniswa ngayo phakathi kwezicwangciso zempilo.
Iinkampani ezininzi zinika ubomi obuxabisekileyo kunye neeninshurensi zempilo yabasetyhini. Ukulungelelanisa phakathi kobabini kwaye unokufumana amathuba okulondolozwa.
Ezantsi - yenza izinto ngokufanelekileyo. Ukuphonononga yonke imiba yezemali kukunceda ukuba lo mtshato uphumelele ekuqaleni.