Yokonga Pension. Apho ukutyala 'igazi' lazo

Namhlanje, intetho malunga nendlela imali kakuhle capital komhlala-phantsi ngoko ukuze baphile kakuhle yonke imihla yakhe, ibe weva yonke. Kwaye ukuba kumangaliswa oku kuyimfuneko. ukuba amaRashiya amaninzi achaphazelekayo umbuzo koko yomhlala bangalindela kwixesha elizayo, kwaye ingaba kukho ithuba wokwenene ukuyandisa. Inkoliso akanako ukunika impendulo ecacileyo umbuzo malunga imali yomhlalaphantsi: apho ukuba ezi zibonelelo zemali? Kwaye abanye bade babe ingcamango ekude oko nezishunqulelo CC, NPF kunye PFR.

Wonke umntu kufuneka ucinge ngendlela ukunyusa ubungakanani pension yabo

Ngoko ke, ukuba imali yomhlala-phantsi. Apho ukuzibeka - eningamaziyo. Yintoni na Sicebisa kule meko? Njengoko ukhetho - ukutyala imali kwi non-karhulumente ingxowa-mali yomhlala-phantsi (NPF). Ngaphezu koko, loo nto ixela ukuba ubukhulu ubungakanani capital nesabelo kweli isakhiwo, ngoko ekhuselekileyo. Noko ke, asiyiyo sisalathisi kuphela kukuthembeka.

Kule mihla wonke umntu ukuba anyamekele pension yabo elizayo ngokusebenzisa ifomu ngalinye. Okokuqala sithetha inxalenye yayo nesixhaswa ngemali.

Namhlanje akwanelanga ukuba imali yomhlala phantsi. Apho ukuzibeka - yiloo nto ibalulekileyo. Ewe, uyakwazi ukhetha isakhiwo karhulumente lengxowa-mali yomhlala-phantsi, kodwa akazange alindele ukuba kwiminyaka embalwa uya kufumana umhlala-phantsi 'elikhulu "kuba inzuzo kule meko iya kuphelelwa ngamandla.

Partnership ne NPF

Ukuba ugqiba ukuba nika imali yakho mali yamaziko abucala, ngoko ke kufuneka ukuba esikalini ngobunono. Cinga SPC isebenza elide kangakanani ngayo kwimarike, ethi iye Ndizuze saziwa ngelo xesha. Kubalulekile ukuba uqhelane kunye nezibonelelo ezisemthethweni nkampani ukuba bafunde ukuze yande njani imali, ukusebenzisa naziphi na izixhobo wenza utyalo-mali, yintoni na inkqubo yokuhlawula ye pension karhulumente olongezelelweyo.

Ukuba uyathandabuza, ukuba imali yomhlala phantsi, apho uzibeke, kuthetha-thethana neengcali zemali. Kulo mba nani kuya kunceda ukuthandwa rating of SPF, leyo ziyaqokelelwa yi-arhente ezimeleyo. Kufuneka kuqatshelwe ukuba le nkqubo ilapha ngasentla inikeze nzima ngokwaneleyo - kuliwa usebenzisa imodeli multi-ngumba ikhompyutha.

Kungenxa yoko le nto itshekhi enjalo ukuthembeka-mali iza kuba umgangatho uphezulu.

Phawula kwakhona Eneneni, indlela ebanzi isiseko umxhasi we-mali yomhlalaphantsi yabucala.

Kwaye, kakade, ngokucokisekileyo hlalutya umbuzo wokuba yintoni umyinge lokubuya phezu amaziko kunyaka odlulileyo.

Intsebenziswano kunye Code Criminal

Nokuba apho imali oyongele umhlala-phantsi wakho? Izimvo baseRashiya ibonisa ukuba abanye bakhetha ukuthemba inkampani yabo yokulawula imali (CC). Kwakhona, ukhetho lokugqibela kufuneka ithathwe ukubaluleka kakhulu kunye noxanduva. Khangela elide kangakanani Code Criminal libonelela ngeenkonzo ukuba imali yomhlala phantsi leyo ngenkoliseko emva kokuba fixed. Kwakhona khangela izinga ukubuya kwinkampani yolawulo.

Abaninzi abavumi ukunika imali yabo kwi-Code Criminal nje kuba ixesha likaxakeka awukwazi ukungenisa amabango zemali, njengoko ulwalamano zezivumelwano akukho semthethweni ngokusemthethweni.

Enye indlela okanye omnye, kodwa umbuzo apho okusemandleni nokutyala imali yomhlalaphantsi, ubani kufuneka isigqibo ngabanye.