Yongeza imithombo yemali engenayo eqinisekileyo yokufumana ingakanani yokuthatha umhlalaphantsi
Ingeniso eqinisekisiwe
Imali engenayo yokuthatha umhlalaphantsi iquka izinto ezifana neenzuzo zomhlala-phantsi zomhlalaphantsi, inzuzo yengeniso yomhlalaphantsi kunye neengeniso zemali. Abanye abantu baquka inzuzo yengeniso kwipropati yotyalo-mali kule candelo, nangona ngokuqinisekileyo akuqinisekanga.
Ukuba uyicinga ukuba ngumthombo oqinileyo wenzuzo ke ungayifaka apha; nangona kunjalo, kufuneka ube neendlela zokubhaliweyo kwixesha apho kungabi kuqeshwa khona.
Kungase kube lula ukubeka imithombo yakho eqinisekisiwe yengeniso kwifomati yexesha elifanelekileyo kunye nekholomu kunyaka ngamnye wekhalenda, kunye nomdala ohambelana naloo nyaka kwihloko. Ifomathi yamanqaku isebenza njengemithombo ethile yengeniso ingaqala ngamaxesha ahlukeneyo, njengempensheni enye kwi-60, inzuzo yoxhatshazo lweNtlalo yoLuntu oluqala ngo-66, kunye noKhuseleko lwakho loLuntu oluqala kwiminyaka engama-70.
Ngokomzekelo, cinga ukuba ubhekise kwi-Intetho yakho yeNtlalo, kwaye ikuxelela ukuba usebenza uneminyaka engama-65 ubudala, ngoko u-66 uza kufumana i-$ 1,760 ngenyanga.
Ukubalwa: $ 1,760 x 12 = $ 21,120 ngonyaka.
Kwakhona, cinga ukuba unomqwenga wepropati oqeshisayo. Emva kokuhlawula zonke iindleko, ufumana i-$ 600 ngenyanga. Ngamanye amaxesha ipropati yakho ihlala ingenanto phakathi kweendwendwe, ukwenzela ukuba uhlalutye uqikelelo olulinganisayo, uthatha ipropati yakho iqeshwe iinyanga ezilishumi kuphela ngonyaka.
Ukubalwa: $ 600 x 10 = $ 6,000 ngonyaka.
Ukusebenzisa ukubala okulula kakhulu ngoku uyazi ukuba imithombo yakho eqinisekileyo yengeniso iya kukunika i-$ 27,120 ngonyaka.
Ngoku ke makongeze kwi-Family Husband Security benefit kunye nomhlalaphantsi.
Umzekelo Umzekelo
Ukusebenzisa ifomati yesalathisi ungayifaka izinto njengoko ubona kwitheyibhile elingezantsi (kuboniswe kwiimali zenyanga, kunye nenani leminyaka kwakhona).
Kulo mzekelo wemizuzu, ndicinga ukuba umlingane owayeneminyaka engama-100 ubudala kwaye waqala ukubiza inzuzo yomtshato (okuya kuba ngu-50% wemali epheleleyo yomhlala-phantsi yomvuzo we-$ 1,760 esetyenziswe ngasentla). Ngeenjongo ezilula, ndashiya ukwanda kwonyaka kwintlawulo yeNtlalo yoluntu eya kuvela kwimali yokunyuka kwemali kwaye ithathwa ukuba ipension ayikho ukukhula kwexabiso lentengo.
| Yobudala 65 | Yobudala 66 | Yobudala 67 | Yobudala 68 | Yobudala 69 | |
|---|---|---|---|---|---|
| Pension | $ 543 | $ 543 | $ 543 | $ 543 | $ 543 |
| ISpeed SS | $ 880 | $ 880 | $ 880 | $ 880 | $ 880 |
| Umdala 66 SS | $ 1,760 | $ 1,760 | $ 1,760 | $ 1,760 | |
| YeNgeniso yeNgeniso | $ 600 | $ 600 | $ 600 | $ 600 | $ 600 |
| Iyonke (ngenyanga) | $ 2,023 | $ 3,783 | $ 3,783 | $ 3,783 | $ 3,783 |
| Iyonke (yonyaka) | $ 24,276 | $ 45,396 | $ 45,396 | $ 45,396 | $ 45,396 |
Ngoku, uthatha le ngeniso kwaye uyiqhathanise nokuqikelelwa kweendleko zokuthatha umhlala-phantsi ukuze uqale ukuphuhlisa uqikelelo oluchanekileyo lwemali oyifunayo ukuba uthathe umhlalaphantsi.
Ungasebenzisa le fomathi ukudala ixesha elilodwa lokufumana umvuzo. Ngokomzekelo, kuthekani ukuba ulibazise ukuqala komhlala phantsi? Ingaba yinzuzo engaphantsi kwangoko, kodwa ngokubanzi emva koko. Unokulusebenzisa eli lixesha ngokuhlala kwexesha lokuphila kunye nenani lemali engenayo ebomini bakho ukuze ubone indlela ongakhetha ngayo.
Xa uqikelele iindleko zakho zomhlala-phantsi kunye nemithombo efumanekileyo yokufumana, uhamba kwisinyathelo esilandelayo kwinkqubo yokucwangcisa, okuza kubala isithuba phakathi kwezi zinto zombini .