Intela yerhafu: nantoni na ongayithethayo, it .. ingahle ihambe

Ngaba uzame ukubhala phantsi ingeniso yakho kunye neendleko kwansuku zonke? Zama! Esi sifundo sinolwazi olunzulu kwaye akukho mnandi. Kwaye mhlawumbi uye wabandakanyeka kwiinkcukacha zentsapho ixesha elide kwaye ujonge yonke ipenki ngokucokisekileyo. Kodwa nangona kunjalo, akunakwenzeka ukuba uzisa ixabiso leemali ezamkelekileyo kwingeniso yecandelo lohlu, kwaye ngokuqinisekileyo awuyi kubala inzuzo ekusindiseni kwipesente yemali-mboleko ebolekwe kubahlali phambi komvuzo wemali.

Kodwa i-akhawunti yomsebenzi ngezinye izihlandlo kufuneka iyenze. Ngokuqinisekileyo, kuphela ngokumalunga neengeniso abaqeshwa bekampani abamkeleyo. Emva koko, akafakiwe ukuba le mivuzo iyimfuneko ukuba idluliselwe kwisabelomali irhafu yengeniso yomntu (ngokufutshane - irhafu yengeniso yomntu).

Ngoko, yintoni le - ingeniso? Ngokuqhelekileyo - umvuzo. Kodwa akayeki apho. Enyanisweni, yonke into ingabonwa njengeniso, ngenxa yokuba uhlahlo lwabiwo-mali luzaliswa. Kwaye oku kuthetha ukuba ngokoqobo yonke into ilawulwa yerhafu yengeniso yomntu.

Ngokomzekelo, ingeniso ehlawulwa irhafu ingaba yipropati umqeshi adlulisele kwi-akhawunti yomvuzo. Yaye ifunyenwe kwizipho zomqashi - ngenhlanhla, akusiyo yonke into, kodwa yilezo kuphela ezikwimali epheleleyo yonyaka ayikho ngaphezu kwama-ruble angu-4000. Ngomvuzo ngenzuzo.

Kukho uhlobo olungenayo impahla, ekhankanywe ngasentla. Yilapho umntu egcina into ethile. Ngokomzekelo, wathatha umboleko ongenamdla kumsebenzi. Inzala engenakhokhelwa nayo ingeniso yerhafu. Nguye kuphela ongazange angene kuyo nayiphi na imilinganiselo, kodwa ngohlobo lwezinto ezibizwa ngokuba yizinto eziphathekayo. Kwaye akusilo uluhlu olupheleleyo.

Kodwa kukho iimeko, ukuba ukubalwa kwemali efunyenweyo akunakwenzeka. Ngokomzekelo, inkampani ibambe iqumrhu labasebenzi bayo. Ngokutya, iziphuzo, abaculi ... Kubonakala ngathi wonke umsebenzi ufumane imali. Kodwa kangakanani na? Akukho cacile. Futhi musa ukubala. Kwiimeko ezinjalo, irhafu yengeniso yomntu ayichithwanga.

Nangona kunjalo, kukho imali enjalo engenakho ukuhlawulwa irhafu yengeniso ngokubanzi. Kodwa le nto ibhaliweyo, ibali elincinci, elingaqhelana nalo kwiCandelo le-217 yeKhowudi yeRhafu yeRussia Federation. Kwaye siya kuthetha malunga nendlela yokugcina ngokusemthethweni irhafu yengeniso.

Enye indlela enjalo inelungelo lokuncitshiswa kweerhafu. Unika ntoni? Okokuqala, ithuba lokufuna ukuba ukubalwa kweerhafu akuthathelwa ngumvuzo wonke, kodwa ngexabiso elincinci. Emva koko baya kugcina ngaphantsi. Kwaye okwesibini, ithuba lokubuyisela enye yentlawulo yengeniso yomntu, esele isele kuhlahlo lwabiwo-mali.

Ngokupheleleyo, kukho iintlobo ezine zokuncitshiswa: umgangatho, isakhiwo, intlalontle kunye nobugcisa.

Ngokuncitshiswa okuqhelekileyo, ingeniso ingancitshiswa ngexabiso elimisiweyo ngenyanga. Kukho iintlobo ezimbini zokuncitshiswa okunjalo: kubaxhamli - ama-ruble ama-500 okanye ama-3000, kunye nalabo abanabantwana - i-ruble ye-1400 okanye ye-3000. Kodwa nakhu ukulinganiselwa kwabo: unokufaka isicelo sokuncitshiswa komntwana, ngelixa umvuzo womzali ukususela ekuqaleni konyaka awuzange udlule ama-ruble angama-280,000.

Ukuchithwa kwemihlaba kuxhomekeke ekuthengeni okanye ekwakhiweni kwezindlu, kwakunye nokufumana umhlaba wokwakhiwa kwezindlu okanye kunye nayo. Umda wokunciphisa i-ruble 2 yezigidi, kwaye ingqalelo inzala kwimali-mboleko ejoliswe kuyo-i-ruble ezigidi ezintathu.

Kwaye kukho ukunqunyulwa kwepropati kulabo abathi, ngokuchaseneyo, bathengise impahla yabo. Imimiselo, kwakhona, ngohlobo lwepropati, inani leminyaka yobunini bepropati kunye nenani lemali yokuncitshiswa (kwimali yengeniso evela kwiivenkile, kodwa kungabi ngaphezu kwama-250,000 okanye i-ruble million million-kuxhomekeke kwipropati ethengiswayo).

Ufumana imfundo, uyaphathwa, uyayinyamekela ipensheni yakho yexesha elizayo, ngaba usenza umsebenzi wothando? Ngenxa yoko, unelungelo lokunciphisa intlalo. Inkcitho yonyaka kuloo mahlwayo kufuneka ifanele kwii-ruble eziyi-120,000. Yaye ukuba ngaba abantwana bakho bafundela umrhumo, umda wokunciphisa unama-ruble angama-50,000. Umntwana omnye (kubazali bobabini, abagcini okanye abagcini besikhokelo).

Kwaye ekugqibeleni, ukuchithwa kobugcisa. Oosomashishini banokunciphisa imivuzo yabo: mhlawumbi kwixabiso leziqinisekiso eziqinisekisiweyo, okanye kwixabiso elithile -20% yemali engenayo.

Khetha ubukhulu bokutsalwa, kwixabiso leendleko eziqinisekisiweyo okanye ngomgangatho osemgangathweni, banelungelo labalobi kunye nabenzi bemisebenzi yoncwadi, isayensi, ubugcisa. Kodwa abemi abasebenza phantsi kweekhontraki zomthetho (iinkonzo zontraka okanye iinkonzo) abanako ukukhetha. Unelungelo lokunciphisa imali engenayo kuphela ngenani leendleko ezenziweyo, kwaye kunikwe ukuba kukho amaxwebhu.