Ngokufika komkhankaso omusha ngamunye wentela, izinkulungwane zabakhokhi bentela zibhekana nenqubo ethi, nakuba iphindaphindwa unyaka nonyaka, iqhubeke idala imibuzo futhi, ngaphezu kwakho konke, amaphutha. Kusukela kudatha efakwe ngokungalungile, ezibanjwayo eziyeqiwe, kuya ezimbuyiseni ezifakwe sekwephuzile, amaphutha avame kakhulu kunalokho ongase ucabange. Futhi okubi kakhulu ukuthi angagcina ebiza kakhulu.
Ukwenza amaphutha ekubuyiseleni kwakho kwentela engenayo Lokhu akusho nje ukukhokha izintela eziningi noma ukuthola imbuyiselo encane, kodwa kungase futhi kubangele izinhlawulo ezibucayi zezimali, izinkokhelo ezengeziwe, ngisho nokuhlolwa kwentela. Kodwa izindaba ezinhle ukuthi iningi lala maphutha lingagwenywa ngokubuyekezwa okufanele, ulwazi lwakamuva, futhi, uma kudingekile, ukulungiswa ngesikhathi kwembuyiselo. Ukuze uthole ulwazi olwengeziwe mayelana nale nqubo, ungathintana uyigcwalisa kanjani intela yakho yentela.
Amaphutha avame kakhulu lapho ugcwalisa amafomu akho entela
Phakathi kwamaphutha avamile atholwe ezimbuyiselweni zabakhokhi bentela, kukhona ambalwa okuthi, ngaphandle kokubonakala kwawo kulula, angaba nemiphumela ephawulekayo yezezimali.
- Ukwehluleka ukubuyekeza idatha yentelaAbantu abaningi bamukela okusalungiswa okunikezwa yi-Ejensi Yentela ngaphandle kokukubheka. Lo mbhalo ukhiqizwa ngolwazi olunikezwe abantu besithathu (izinkampani, amabhange, njll.), ngakho-ke ungase ube namaphutha. Uma yethulwa njengoba injalo futhi kukhona amaphutha, umthwalo wemfanelo uwela kumkhokhintela. Kubalulekile ukuthi ungeqi lesi sinyathelo ukuze ugweme izinkinga ezihlobene ne- amaphutha entela yemali engenayo.
- Ukukhohlwa ukufaka imali eyengeziweAbanye abayisho imisebenzi eyenzeka ngezikhathi ezithile, irenti, inzalo yasebhange noma izibonelelo. Lokhu kweqisa kungaholela ezijezisweni uma uMgcinimafa ethola imali engenayo eyeqiwe.
- Ungazisebenzisi izimali ezibanjwayo ezitholakalayo: Kukhona imali ebanjwayo eminingi (yezingane, yemali mboleko, yerenti, yokukhubazeka, njll.) abantu abaningi abangazi noma abangayisebenzisi kahle, ukukhokha ngaphezu kwalokho okudingekayo.
- Memezela ngaphandle kwesibopho noma ukucabanga ukuthi awuphoqelekileAkuzona zonke izakhamizi okufanele zifake izicelo, kodwa abaningi bayazethemba ukuthi bayakwenza. Isibonelo, uma ube nomkhokhi ongaphezu koyedwa onemali engenayo engaphezu kwama-euro ayi-15.876 ngonyaka, unesibopho sokumemezela.
- Thumela sekwephuzileUkushiya yonke into ngomzuzu wokugcina futhi ungathumeli ngesikhathi kusho izindleko ezengeziwe. Lezi zingasukela ku-1% ziye ku-15%, kanye nenzalo yokukhokha sekwephuzile uma sekudlule isikhathi esingaphezu konyaka.
Ungawalungisa kanjani amaphutha ngemva kokufaka imbuyiselo
Uma uthole iphutha ngemuva kokuhambisa isimemezelo sakho, Kukhona izindlela zokuyilungisa. Akukhona konke okulahlekile, kodwa kubalulekile ukuthatha isinyathelo ngokushesha ukuze ugweme izinkokhiso ezengeziwe noma izinhlawulo ezinzima kakhulu.
Amaphutha alimaza uMnyango Wezezimali
Uma uthola ukuthi ukhokhe imali engaphansi kwaleyo obufanele ukuyithola noma uthole imbuyiselo engaphezu kwaleyo obufanele, kungcono kakhulu ukufaka isimangalo. isitatimende esingeziwe. Lolu hlobo lwesimemezelo luvumela ukulungiswa kwamaphutha njengemali engenayo engabikwanga, ukubanjwa kwemali okungafanele, noma amaphutha azuzisa ngokungafanele umkhokhi wentela. Ukuze uthole imininingwane eyengeziwe ngalolu hlobo lwezimemezelo, ungavakashela isitatimende esingezelelayo.
Imbuyiselo eyengeziwe ithunyelwa kusukela esigabeni esithi “Lungisa ukubuyisela okufayela” ku-Renta WEB. Kuyadingeka ukukhombisa idatha efanele kanye nesizathu sokulungiswa. UMnyango Wezezimali ubala umehluko phakathi kwamanani angaphambilini namasha, usebenzisa inkokhiso ehambisanayo uma ithunyelwe sekwephuzile.
Amaphutha alimaza umkhokhi wentela
Uma ubona ukuthi ukhokhe ngaphezu kwalokho obekufanele ube nakho noma uthole imbuyiselo encane kunaleyo obukukweleta, Ungacela ukulungiswa kokuzihlola kwakho. Okusho ukuthi, akufanele ufake imbuyiselo eyengeziwe, kodwa kunalokho ucele uMgcinimafa ukuthi achibiyele imbuyiselo evuna wena.
Lokhu kubandakanya izimo ezifana nalezi:
- Ukweqiwa kwe ukudonswa kwentela noma ukwehliswa.
- Faka phakathi imali engenayo ekhululiwe sengathi bakhokhiswa intela.
- amaphutha ku amanani adaluliwe.
Isicelo sokulungisa kufanele sicutshungulwe phakathi nesikhathi esisemthethweni esiyiminyaka emine kusukela ekupheleni kwesikhathi sokulethwa ngokuzithandela. Kwenziwa kusuka endaweni efanayo ye-Renta WEB futhi, uma kusebenza, UMnyango Wezezimali uzobuyisela umehluko kanye nenzalo yokukhokha sekwephuzile..
Kwenzekani uma ungazange ugcwalise imbuyiselo ngesikhathi kudingeka?
Uma ungasifakanga isimemezelo futhi ubudingeka ukuthi, Kungcono ukukwenza ngokushesha ngangokunokwenzeka, ngisho nangaphandle komnqamulajuqu. Uma uMgcinimafa ethola okuyeqiwe futhi akhiphe isaziso, izinhlawulo zizoba phezulu.
- Uma kwakuzofakwa isimemezelo, kuzosetshenziswa inkokhiso engu-1% kanye no-1% eyengeziwe enyangeni ngayinye yokubambezeleka kuze kube unyaka wokuqala. Ngemva kwezinyanga ezingu-12, inkokhiso izoba ngu-15% kanye nenzalo yokukhokha sekwephuzile.
- Uma yayizobuyiswa, bangakhokhisa inhlawulo yama-euro angu-100 (yehliselwa ku-60 uma ungakhangi futhi ukhokhe ngokushesha).
Izinhlawulo ezivame kakhulu nezijeziso zamaphutha kusimemezelo
I-Ejensi Yentela ibheka izinhlobo ezahlukene ze izijeziso kuye ngobunzima kanye nemvelo yephutha:
- Amaphutha amancane: Idatha engaphelele noma engalungile ngaphandle kokulahlekelwa kwezimali ngokuvamile ihlawuliswa ngama-euro angu-100 kuya kwangu-200, uma uMnyango Wezezimali ethola iphutha ngaphambi kokuthi ulenze.
- Ukubanjwa kwemali okungadingekile: Uma ufaka isicelo sokudonswa kwemali esingasebenzi kuwe, inhlawulo ingaba njalo U-15% yenani elicelwe ngokungafanele.
- Ukusetshenziswa kwemibhalo engamanga:Ukusebenzisa ama-invoyisi mbumbulu noma izindleko ezikhuphukayo ukuze kudonswe okwengeziwe kungaholela ezijezisweni ezisukela ku-50% ukuya ku-100% yenani elihlobene.
- Ukukhwabanisa okudlula ama-euro angu-3.000: UMnyango Wezezimali ungakhokhisa inhlawulo efika ku-150% yenani elikhwatshiwe. Ezimweni ezimbi kakhulu zokukhwabanisa, inhlawulo ingadlula ama-euro angu-300.000.
- Amaphutha nge-NIFIphutha elincane elinenombolo kamazisi yentela lingabangela inhlawulo yama-euro angu-150, kodwa iphutha elibi lingabangela inhlawulo yama-euro angu-30.000.
Ubani onecala uma umphathi enze iphutha?
Noma ngabe uqashe umeluleki noma umphathi wentela, Umuntu ekugcineni onesibopho kuMgcinimafa uhlala uwena njengomkhokhi wentela. Uma iphutha bekuyiphutha lomphathi, ungamfaka isimangalo sombango noma sobugebengu, kodwa uMnyango Wezezimali uzodinga ukuthi ulilungise futhi ukhokhe inhlawulo ehambisanayo, ngaphandle uma uhlonze ngokusemthethweni umphathi njengonesibopho sokumemezela. Yingakho kubalulekile ukugwema Amaphutha ekutshaleni imali nasekugcwaliseni.
Ezimeni lapho umphathi enze ukukhwabanisa noma ulwazi olukhohlisayo, angase azitholele ngisho necala lobugebengu, nezinhlawulo ezingase zihlanganise ukuboshwa uma inani lidlula ama-euro angu-120.000.
Kuthiwani uma iphutha lisuka eminyakeni edlule?
Kungenzeka futhi ukuhambisa imbuyiselo eyengeziwe noma isicelo sokulungisa iminyaka yezimali yangaphambili phakathi nesikhathi somkhawulo seminyaka emine kusukela osukwini lokugcina lwenkathi yokufaka ngokuzithandela.
Uma umnqamulajuqu usudlulile, akusadingeki ukuba kuchitshiyelwe imbuyiselo, njengoba uMnyango Wezezimali ngeke esakwazi ukufaka isimangalo futhi umkhokhintela ngeke akwazi ukufuna ukubuyiselwa imali. Ngakho-ke, Isikhathi sokubuyekeza amaphutha okungenzeka manje, kungakephuzi.
Ukubuyekeza ngokucophelela imbuyiselo yakho yentela, ukuqonda izimali ezibanjwayo ezitholakalayo, ukugcwalisa ngesikhathi, nokulungisa amaphutha ngokushesha ngangokunokwenzeka kuyizinyathelo ezibalulekile zokugwema izindleko ezingadingekile. Nakuba uMnyango Wezezimali ubelokhu evumelana nezimo nezijeziso zamaphutha amancane, Ukwehluleka okukhulu kuyaqhubeka nokuba nemiphumela ebalulekile. Kuyancomeka ukuqaphela le izindaba zentela njalo ngonyaka, sebenzisa amathuluzi asemthethweni afana ne-Renta WEB, futhi uma unokungabaza, yiba nomeluleki wezentela ongakusiza ugweme izinto ezingalindelekile ezingajabulisi.
