Isixhobo sasimahla sokubolekisa
Isibali sokuhlawula kwangethuba
Sekuhlawulwe iintlawulo ezilishumi elinesibini kwezingamashumi amabini anesine: kuxabisa malini ukuvala inkolo namhlanje? Ayikho impendulo enye. Inkolo efanayo ivalwa ngamaxabiso amathathu ohlukeneyo ngokuxhomekeka kwindlela umboleki abuyisela ngayo inzala ebolekayo angasayi kuba natyala ngayo — kwaye abantu abaninzi banikwa elinye kuwo bengaxelelwanga ukuba lelphi. Esi sixhobo sibala onke amathathu, songeze nayiphi na imali yokuvala, size sibonise ukonga kwenene.
Inkolo nokuba uphi kuyo
Izinga elithe tyaba libiza inzala kwisixa sonke sokuqala ixesha lonke. Ibhalansi ehlayo ibiza kuphela koko kusatyalwayo.
Ukuvala kwangethuba
Kwiintlawulo ezingu-24 zizonke.
Yishiye ku-zero ukuze uvale kanye ngomhla wentlawulo.
Yonke intlawulo ibekwa kuqala kwinzala efunyenweyo de kufike loo mhla ize ibekwe kwityala eliyintloko. Oko kuseleyo koko kutyalwayo. Yeyona ndlela ilungileyo, kwaye yiyo abalawuli abadla ngokuyikhetha.
Imali abanye ababoleki abayibizayo ngokuvala inkolo ngaphambi kwexesha. Ipesenti isebenza kwintsalela eseleyo, hayi kwixabiso lokuqala lenkolo.
Vala namhlanje nge-
R 5 449.31
Yonga R 550.69
Kusele iintlawulo ezingu-12.
- Intsalela eseleyo
- R 5 449.31
- Inzala ebuyiselweyo
- R 550.69
- Ixabiso lokuvala
- R 5 449.31
Ukuba inkolo iqhubeka de kube sekupheleni
- Iintlawulo eziseleyo
- 12
- Okusaza kuhlawulwa ukuba uyaqhubeka
- R 6 000.00
- Inzala engiweyo ngokuvala
- R 550.69
Ixesha elinye, libalwa ngendlela nganye
Ixabiso le nkolo evalwa ngalo phantsi kwendlela nganye umboleki anokuyisebenzisa.
- I-actuarial — intsalela yokwenene eseleyo
- R 5 449.31
- IRule of 78s
- R 5 480.00
- Akukho kubuyiselwa — zonke iintlawulo ziyafuneka
- R 6 000.00
Eli zinga lingaguqukiyo lixabisa 18.16% ngokwenene kwintsalela ehlayo, kwaye lelo zinga ixabiso le-actuarial elihlawulwa ngalo.
Uqikelelo lokuthelekisa. Isivumelwano sakho senkolo sesigqiba ukuba yeyiphi indlela yokubuyisela esebenzayo nokuba ingaba kukho imali yokuvala, ngoko cela kumboleki ixabiso lokuvala elisesikweni ngaphambi kokuhlawula.
Onke amaxesha onokusavala ngawo
Ukuba kuxabisa malini ukuvala inkolo emva kwentlawulo nganye eseleyo, nokuba oko konga malini xa kuthelekiswa nokuqhubeka de kube sekupheleni.
Ivuleka kwi-Excel, kwi-Sheets okanye kuyo nayiphi na ispredishithi.
| Emva kwentlawulo | Iintlawulo eziseleyo | Ixabiso lokuvala | Inzala engiweyo |
|---|---|---|---|
| 12 | 12 | R 5 449.31 | R 550.69 |
| 13 | 11 | R 5 031.76 | R 468.24 |
| 14 | 10 | R 4 607.90 | R 392.10 |
| 15 | 9 | R 4 177.62 | R 322.38 |
| 16 | 8 | R 3 740.83 | R 259.17 |
| 17 | 7 | R 3 297.43 | R 202.57 |
| 18 | 6 | R 2 847.32 | R 152.68 |
| 19 | 5 | R 2 390.41 | R 109.59 |
| 20 | 4 | R 1 926.58 | R 73.42 |
| 21 | 3 | R 1 455.73 | R 44.27 |
| 22 | 2 | R 977.75 | R 22.25 |
| 23 | 1 | R 492.55 | R 7.45 |
Oko ukutyalayo asikoko kusaseleyo ukuhlawulwa
Ukuvala kwangethuba yenye yeendawo ezimbalwa kumboleko apho izibalo ezicacileyo zinika impendulo engachanekanga, kwaye apho umahluko usinga ngqo kwipokotho yomnye umntu.
- 1
Intsalela ayisiso isixa seentlawulo eziseleyo
Ezo ntlawulo ziqulethe inzala yeenyanga inkolo engasayi kuqhubeka ngazo. Xa uvala kwangethuba loo nzala ayifumaneki kwaphela, ngoko ukuyibiza kuya kuba kukubiza into engekhoyo. Okutyalwa ngokwenene lityala eliyintloko eliseleyo kunye nenzala efunyenweyo de kufike umhla wokuvala.
- 2
I-actuarial ngokuchasene neRule of 78s
Indlela ye-actuarial ibeka yonke intlawulo kwinzala efunyenweyo de kufike loo mhla ize iyibeke kwityala eliyintloko, ngoko intsalela yile nje iseleyo. IRule of 78s yona yahlula inzala ngesixa samanani, iqokelela ngaphezulu kwiinyanga zokuqala. Kwinkolo efanayo, eyesibini ihlala ishiya obolekayo etyala ngaphezulu, yiyo loo nto iimarike ezininzi ziyithintela okanye ziyalele.
- 3
Kutheni inkolo yezinga elingaguqukiyo ibohlwaya ukuvala kwangethuba
Izinga elingaguqukiyo libophelela inzala kwixabiso lokuqala ngomhla inkolo ebhalwa ngawo, ngoko alinxulumananga nkqu nentsalela. Phakathi kwexesha, ikholam yentsalela kwishedyuli ayincedi — ilandela ityala eliyintloko ize ityeshele indlela inzala efunyenwe ngayo. Ixabiso elinyanisekileyo lifunyanwa ngokuguqula izinga elingaguqukiyo libe lizinga lentsalela ehlayo elixabisa ngalo ngokwenene, uze ufunde intsalela apho.
- 4
Imali yokuvala iyayitshintsha impendulo
Abanye ababoleki bayabiza ngokuvala inkolo kwangethuba, njengepesenti yentsalela okanye njengexabiso elimiselweyo, ukuze babuyise ingeniso ababeyibeke kakade kwixabiso. Apho ivumelekile idla ngokuba nomda, kwaye kwiimarike ezininzi yalelwe ngokupheleleyo. Yifake apha ukuze ubone ukuba ukuvala kusonga into na emva kokuba ihlawulwe.
Inkolo efanayo, ivalwa ngeendlela ezintathu
Amawaka alishumi abolekwe nge-10% engaguqukiyo kwiinyanga ezingama-24, evalwa emva nje kwentlawulo yeshumi elinesibini. Iintlawulo eziseleyo zifika ku-6 000.00 — kodwa lelinye kuphela kula maxabiso elityalwa ngokwenene ngobolekayo.
| Indlela | Isebenza njani | Ixabiso lokuvala |
|---|---|---|
| I-actuarial | Yonke intlawulo iya kwinzala efunyenweyo de kufike loo mhla, ize iye kwityala eliyintloko. Oko kuseleyo yintsalela. | 5 449.31 |
| IRule of 78s | Inzala eyahlulwe ngesixa samanani, iqokelelwe kwiinyanga zokuqala, ngoko kubuya okuncinci. | 5 480.00 |
| Akukho kubuyiselwa | Zonke iintlawulo eziseleyo ziyafuneka zipheleleyo, kuquka inzala yeenyanga ezingasayi kudlula. | 6 000.00 |
Umahluko phakathi komgca wokuqala nowokugqibela ngu-550.69 kwinkolo engu-10 000. Ukuba yeyiphi esebenzayo kugqitywa sisivumelwano senkolo hayi zizibalo, ngoko isigatshana sokuhlawula kwangethuba sifanele sifundwe ngaphambi kokuzibophelela ukuhlawula.
Isithelekisi Sezinga Elithe Tyaba Nebhalansi EhlayoImibuzo ngokuhlawula inkolo kwangethuba
- Lixabiso elivala inkolo ngokupheleleyo ngomhla othile: ityala eliyintloko eliseleyo, kunye nenzala efunyenweyo de kufike loo mhla, kunye nayo nayiphi na imali isivumelwano esiyivumelayo. Xa ihlawulwe, akukho nto yimbi ityalwayo.
- Kuba ezo ntlawulo ziquka inzala yeenyanga inkolo engasayi kuqhubeka ngazo. Ukuvala kwangethuba kuthetha ukuba loo nzala ayifumaneki kwaphela, ngoko akufanelanga ibizwe. Ukuba kususwa kangakanani kuxhomekeka kwindlela yokubuyisela isivumelwano esiyisebenzisayo.
- Yindlela yokwahlula inzala yenkolo yezinga elingaguqukiyo kulo lonke ixesha layo kusetyenziswa ubunzima besixa samanani, ngoko isahlulo esikhulu kuyo sibalwa njengesifunyenweyo kwiinyanga zokuqala. Ibuyisela okuncinci kunendlela ye-actuarial kuyo yonke inkolo, kwaye yiyo loo nto ithintelwe okanye yalelwe kwiimarike ezininzi.
- Isivumelwano senkolo siyatsho. Khangela isigatshana esimalunga nokuvala kwangethuba, ukuhlawula ngaphambi kwexesha okanye ukubuyiselwa kweendleko. Apho umthetho umisela indlela ethile, wona wodlula oko isivumelwano esikutshoyo.
- Ngokuqhelekileyo, kodwa hayi ngamaxesha onke. Imali enkulu yokuvala inokugqitha ukubuyiselwa kwenzala, ngakumbi xa sekusondele ukuphela kwexesha apho kusele inzala encinci enokubuyiselwa. Faka imali yokuvala apha ngentla kwaye isixhobo siza kubonisa ukonga okungaphantsi ko-zero ukuba kunjalo.
- Inzala yayo ibotshelelwe ukususela ekuqaleni kwixabiso lokuqala, ngoko ayisoze ilandele intsalela. Ukuze ufumane ixabiso lokuvala elinyanisekileyo, izinga kufuneka liguqulwe libe lizinga lentsalela ehlayo elixabisa ngalo ngokwenene — i-10% engaguqukiyo kwiinyanga ezingama-24 ingu-18.16% wentsalela ehlayo — uze ufunde intsalela apho.
- Zongeza inzala yesahlulo sexesha phakathi kwentlawulo yokugqibela nomhla wokuvala, kwaye yiyo indlela ixabiso lokuvala elinomhla elakhiwa ngayo. Zisebenza kuphela kwindlela ye-actuarial: ezinye ezimbini zakhiwe ngeentlawulo ezipheleleyo esele ziqulethe inzala yelo xesha, ngoko ukongeza ngaphezulu kuya kuba kukubiza kabini.
- Esi sixhobo sibala ukuvala okupheleleyo. Ukuhlawula isahlulo sisibalo esahlukileyo: ngokuxhomekeka koko isivumelwano sikuvumelayo, sinciphisa ixesha okanye sinciphise intlawulo, kwaye inzala engiweyo iyahluka ngokufanelekileyo.
- Hayi. Konke ukubala kwenzeka kwisikhangeli sakho, kwaye iifayile ezithunyelwa ngaphandle zenziwa kwisixhobo sakho. Akukho nto uyibhalayo ithunyelwa kwiseva, igcinwe, okanye ishicilelwe, kwaye akukho kubhalisa.
Lithini ixabiso lokuhlawula kwangethuba?
Kutheni ixabiso lokuvala lingaphantsi kweentlawulo zam eziseleyo?
Yintoni iRule of 78s?
Yeyiphi indlela umboleki wam aza kuyisebenzisa?
Ingaba ukuvala kwangethuba kuhlala konga imali?
Kutheni inkolo yezinga elingaguqukiyo iziphatha ngendlela eyahluke kangaka?
Zenza ntoni iintsuku ukusukela kwintlawulo yokugqibela?
Ndingakwazi na ukuhlawula isahlulo senkolo kuphela?
Ngaba idatha yam iyagcinwa?
Amaxabiso okuvala ahambelana nesivumelwano
ILendbox igcina indlela yokubuyisela nemiqathango yokuvala kwangethuba yemveliso nganye ecaleni kwezinga layo, ize iyisebenzise xa obolekayo ecela ukuvala inkolo kwangethuba — ngoko ixabiso elichazwa ngumsebenzi, ixabiso elikwingxelo nexabiso elivala ngokwenene inkolo lixabiso elinye.
Akukho khadi letyala lifunekayo.
Qhubeka uphonononga
- Zonke izixhobo zasimahlaIzixhobo zasimahla kubabolekiKhetha isixhobo ufumane impendulo kwimizuzwana. Songeza okungakumbi, ngoko buya kungekudala.
- Isixhobo esinxulumeneIsenzi Sesicwangciso SokuhlawulaYenza ukwahlulahlula kwexesha ngexesha kwesixa esiyintloko nenzala, emva koko uyithumele kwi-PDF okanye i-CSV.
- Isixhobo esinxulumeneIsithelekisi Sezinga Elithe Tyaba Nebhalansi EhlayoBala imali-mboleko efanayo ngeendlela zombini ngaxeshanye ubone ukuba izinga elithe tyaba libiza malini ngokwenene, kunye nezinga elilinganayo lebhalansi ehlayo.