Yintoni ukutsalwa kwerhafu

Asinguye wonke umntu uyazi ukuba kukho ithuba lokuba abuyele imali yanikwa urhulumente njengoko irhafu okanye ukuhlawula inxalenye yawo. Ukufuna le bonke abemi zokusebenza. Ukuze wenze oku, ufumana ixhuzulwe irhafu.

ngezigaba

Amaxesha amaninzi umntu ufumana% 87 kuphela oko ZUZA-13% ihlawulwe ngumqeshi nje irhafu (irhafu yengeniso okanye yengeniso). Le nxalenye zingabuyiswa kwezinye iimeko ngokusemthethweni. Ngokomzekelo, xa uthenga impahla, ngokuba unyango, iindleko zemfundo.

Le ukutsalwa kwerhafu ingaba:

- Standard.

- Social.

- Property.

- Securities.

- Professional.

ezibanjwayo Standard kubonelelwe phantsi kweemeko ezithile. Umzekelo, ukuba umvuzo yomntu ayikho ngaphezu isixa esithile, uye abantwana.

ezibanjwayo Social zinikwa kwimeko, xa kwenziwa iindleko ezayanyaniswa nolu qeqesho okanye unyango.

Uhlobo lwesithathu lufumaneka xa werhafu wathengisa nayiphi na ipropati okanye mhlaba uthengiweyo. Ngendlela, ukuba abantu mortgage angabuya ipesenti ye-mboleko.

Securities zibonelela ezibanjwayo, ukuba ilahleko kwakungenwe kwiintengiselwano zezimali kunye nabo.

Kwi ukutsalwa kwerhafu sokuqeqeshelwa ukuba iindidi ezithile zabantu. Kusenokuba, umzekelo, ababhali lwemisebenzi yoncwadi.

Indlela ukubala?

Ixabiso le mali kukhokelela ekuncipheni kwe isiseko serhafu, nto leyo isixa-mali apho kukho libamba irhafu. Kuyenzeka ukufumana ukusuka kutsalwe yabo yerhafu karhulumente ayikho bonke, 13% kuyo. Kukho a umda. Ithi ukuba akukho ndlela yokufumana ngaphezu kwaba iirhafu ihlawulwe. Umzekelo, i-13% yemali ka-1000 engange - into engange-130. Umntu unako ukufumana imali kuphela xa uhlawule unyaka werhafu. Kodwa kukho ezona ethile ukuze kutsalwe umthetho. Xa uthenga ikhaya, umzekelo, ukuya kwizigidi 2.1 engange, esi sixa aluyi kuba ngaphezu kwe-13%, nto leyo amawaka 273. Engange. Buyisela kuvunyelwa kuphela irhafu ezaye kunikezelwa kumyinge okhankanyiweyo.

Ukuba sicinga kutsalwe irhafu umgangatho irhafu yengeniso, umzekelo, ngo-2013, ukuba ziyafana nezo esebenza ngo-2012.

eminye imizekelo

Kubanjwe 3 amawaka engange, umzekelo, anike abemi zilandelayo .:

- invalids kweMfazwe Enkulu Patriotic.

- nxaxheba uvavanyo ezinxulumene izinto radioactive kunye nezixhobo zenyukliya.

- Servicemen elimele ekuthetheleleni elizweni.

- Ukuphelisa nxaxheba imiphumo eChernobyl, uya kufumana izifo ezahlukeneyo.

Imilinganiselo kokuba kutsalwe irhafu abantwana kulo nyaka ayitshintshanga xa kuthelekiswa nonyaka ongaphambili. Fumana zazo:

- Abazali (okanye usapho ingaya).

- Abaphathiswa, abazali, abagcini babafundi.

- Amaqabane abazali.

Sitshatile abazali kusenokwenzeka ukuba ufumane iphungulwe kabini. Kugcwala ingeniso efunyenwe ngumqeshwa ekhoyo okwangoku 280 lamawaka engange.

Ukuze ufumane ukutsalwa abantwana, anike umqeshi wakho amaxwebhu:

- Ukusetyenziswa iphethini evunyiweyo.

- Iikopi izatifikethi zokuzalwa zabantwana babo.

- Uncedo (uhlobo 2-NGOBUCHULE) zonyaka.

- Amaxwebhu on yokukhubazeka komntwana (ukuba ikhona).

- Certificate of abantwana besikolo.

Ukuba ngenxa yesizathu esithile notsalo zenziwa zifumaneke, kunokwenzeka ukuba kunyaka ozayo. Nika onke amaxwebhu irhafu kusafuneka ukuba babuyele kunyaka ophelileyo (ethetha i-NGOBUCHULE 3).

Kukho ezibanjwayo ezininzi ezahlukeneyo, khangela onke, ukuze baqonde oko bangafaneleka.