Yesivumelwano annuity. isivumelwano ubuqili

Ikhontrakthi ubomi annuity. Enye ke kubonakala kulula indlela engena emakhayeni abo. Abanye bona esi sivumelwano ithuba lokuphila kwiminyaka enesidima ubudala. Ukanti abanye basebenzisa kuphela ngenxa yokuzingca, ngokufuthi plan ulwaphulo-mthetho. Ngokwahlukeneyo, siphawula ukuba iyimpahla transferred ngeke nje indlu okanye indlu. Nangona kunjalo, ezinye izinto kunqabile avele izivumelwano hlobo. Zeziphi iingxaki osenokuba nazo, ephetha ikhontrakthi annuity, yintoni na amalungelo kunye neemfanelo iqela ngalinye?

Makhe siqale iingongoma eziphambili. Namhlanje, iintlobo ezimbini yesivumelwano eso. Omnye wabo ubandakanya ukutshintshelwa ubunini kwipropati yokuhlala, phantsi komqathango wokuba abuyele kumnini, de kwasekufeni kwakhe, kuya kuhlawulwa isixa ngenyanga. Ngoko ke, enyanisweni, isivumelwano ubomi annuity. Inguqulelo yesibini mvumelwano ibandakanya ezinye iimeko ezininzi. Umnini lidlulisela nelungelo lezindlu komnye umntu, kodwa, ukongeza iintlawulo zenyanga, yaye ujika ube ngakumbi uncedo (unyango, ukuthengwa amayeza, njalo-njalo. d.). Ngokuthi kwisivumelwano esinjalo "isiVumelwano wesondlo yobomi kokuxhomekeka." Ezi iintengiselwano zahlukile enye kwenye kuphela izibophelelo kunye namalungelo zamaqela. Ezahlukeneyo kunye neemeko zabo zobhaliso kunye mvume.

Ukwenzela ukuba kube lula ngakumbi esibalisayo, ngqo indlela amaqela kwizivumelwano ezinjalo. Umnini yokuhlala, ukutshintshela amalungelo kuye komnye umntu - rentopriobretatel. Umntu ithathe uxanduva nokuqulethileyo sisananelo izindlu - rentodatel.

Annuities Silungisa ubomi ukuba kuqinisekiswe uluntu uligqwetha, okanye amandla ngokupheleleyo ezisemthethweni ezifana iphepha akayi kuba. Ubunini yokuhlala idlula rentodatelyu. Le nyaniso kuxhomekeke wokubhalisa karhulumente. Emva koko rentodatel onyanzelekileyo ukuba ngenyanga ingqeshiso balwamkele ukuba imali, imali leyo akufunekanga ibe ngaphantsi kwe-2 ubuncinane umvuzo. Kwimeko apho utshintsho kumthetho, eli nani kufuneka indexed. Qaphela ukuba ukudluliselwa kobunini kunokwenzeka mhlawumbi simahla okanye eyekiweyo.

Longer uthathwa ukuba ibe nomnini wepropati, irente-balwamkele asingabo ndayihluthwa ilungelo lokuphila kule ndawo. Le nto kufuneka abe khona kuxwebhu. Ngaphezu koko, bekuya kuba akufuneki ukubonelela ukufumana imvume yomnini yangaphambili ukulungiselela nayiphi na itransekshini ne indawo ephilileyo, ngaphambili abanini nguye.

Ngokumalunga neentengiselwano, okuthetha nje iingenelo emali, kodwa ilungiselelo Iinkonzo ezongezelelweyo, baphetha ngaphantsi kakhulu irenti isivumelwano ebomini. Ukuthandwa ephantsi kwesi hlobo sivumelwano wachaza into yokuba kunzima ukumisela kuluhlu lwabo ngqo, kwaye umthamo iimfuno ezongezelelweyo kwi inxalenye Oxhomekeke kunzima ukuqikelela. Ngoko ke, irente-balwamkele kungenza ukuba izinto ezingenangqondo, nto leyo yenza rentodatel akakwazi. Le nyaniso, kuthi, unako ukukhonza njengesiseko kokupheliswa yingisela.

annuity contract Life kunganqunyanyiswa kuphela xa rentodatel ongayiphumeziyo imisebenzi yayo ngokwaneleyo zinokungagqithiseki mali kwangexesha.