Isixhobo sasimahla sokubolekisa
Isibali sokukwazi ukuhlawula imali-mboleko
Zonke ezinye izibali ziqala ngesixa semali-mboleko. Esi siqala ngephepha lakho lomvuzo. Faka into oyifumanayo, into oyichithayo kunye nento osele uyihlawula, size sibuyele umva siye kwimali-mboleko enkulu kunazo zonke ezo nani zinokuyixhasa — sithelekiswa ngeendlela ezimbini, kuba ababolekisi abasebenzisi mthetho mnye bonke.
Imali yakho inyanga nenyanga
Ngaphambi kokutsalwa — leli nani umthetho wetyala-kwingeniso olinganiswa kulo.
Irenti, ukutya, ezothutho, iimali zesikolo nayo nantoni na etsalwayo kumvuzo wakho phambi kokuba ufike.
Into osele uyihlawula inyanga nenyanga kwamanye amatyala, iikhadi okanye iiakhawunti.
Imali-mboleko oyifunayo
Imithetho ekufuneka kuvavanywe ngayo
Inxalenye yengeniso engekatsalwa umbolekisi ayivumela zonke iintlawulo ukuba zifikelele kuyo. Uninzi luphakathi kwe-35% ne-45%.
Amanqaku epesenti ongezwa kwinzala, ukujonga ukuba imali-mboleko isasebenza na ukuba ukuboleka kuyabiza ngakumbi. Faka iqanda ukutsiba eli nyathelo.
Faka inani ukuze usithelekise noko unako ukukuhlawula.
Ungaboleka ukuya kuthi ga ku-
R 179 794.45
R 6 500.00 ngenyanga
Umthetho oqatha ngakumbi kwemibini engezantsi ngowo ugqiba eli nani.
- Intlawulo onako ukuyihlawula
- R 6 500.00
- Ikhawulelwe ngu-
- Umda wetyala-kwingeniso
- Imali-mboleko ephezulu
- R 179 794.45
- Inani leentlawulo
- 36
- Isixa siphela oza kusihlawula
- R 234 000.00
- Apho inzala iyi-
- R 54 205.55
- Ukuba inzala inyukela ku-20.00%
- R 174 902.40
Imithetho emibini, ecaleni komnye
Ababolekisi abalinganisi bonke ukukwazi ukuhlawula ngendlela enye. Umthetho oqatha ngakumbi ngowo ugqiba impendulo yakho.
- Umda wetyala-kwingenisoOgqibayoR 6 500.00
- R 179 794.45
- Ingeniso eseleyoR 9 500.00
- R 262 776.50
Luqikelelo lokuthelekisa. Umbolekisi wenza uvavanyo lwakhe lokukwazi ukuhlawula ngeengxelo zakho zebhanki nembali yakho yetyala, kwaye imida yakhe inokuba qatha ngaphezu kwaleyo ibekwe apha.
Oko ixesha elide likunika kona
Uhlahlo-lwabiwo-mali olufanayo lwenyanga lutsalwa kumaxesha ahlukeneyo. Imali-mboleko ende inyusa oko unako ukukuboleka — kwaye inyusa indleko yayo ngaphezulu kakhulu.
Ivuleka kwi-Excel, kwi-Sheets okanye kuyo nayiphi na ispredishithi.
| Ixesha | Iintlawulo | Imali-mboleko ephezulu | Iyonke ebuyiselweyo | Iyonke inzala |
|---|---|---|---|---|
| Iinyanga ezingu-6 | 6 | R 37 031.72 | R 39 000.00 | R 1 968.28 |
| Unyaka omnye | 12 | R 70 898.78 | R 78 000.00 | R 7 101.22 |
| Iminyaka engu-2 | 24 | R 130 197.63 | R 156 000.00 | R 25 802.37 |
| Iminyaka engu-3 | 36 | R 179 794.45 | R 234 000.00 | R 54 205.55 |
| Iminyaka engu-4 | 48 | R 221 276.60 | R 312 000.00 | R 90 723.40 |
| Iminyaka engu-5 | 60 | R 255 971.75 | R 390 000.00 | R 134 028.25 |
| Iminyaka engu-7 | 84 | R 309 261.11 | R 546 000.00 | R 236 738.89 |
Indlela ukukwazi ukuhlawula okulinganiswa ngayo ngokwenene
Imithetho emibini, uvavanyo loxinzelelo olunye, kunye nokutshintshiselana okubamba uninzi lwababoleki lungalindelanga.
- 1
Umda wetyala-kwingeniso
Uvavanyo olukhawulezayo kunazo zonke: zonke iintlawulo, kuquka imali-mboleko entsha, azinakugqitha inxalenye ebekiweyo yengeniso engekatsalwa. Kulula ukusebenzisa yaye kulula ukuphumelela — kwaye kulapho ubuthathaka bayo bukhona, kuba ayithethi nto ngoko ikhaya likuchithayo ngokwenene.
- 2
Ingeniso eseleyo
Oko kusalayo ngokwenene emva kweendleko zokuphila neentlawulo ezikhoyo. UMthetho weSizwe weTyala waseMzantsi Afrika ufuna uvavanyo lwengeniso enokusetyenziswa ngokuzikhethela, oko kukuthi lo mthetho endaweni yowokuqala — kwaye ubamba lowo ufumana kakhulu kodwa achithe kakhulu, obenokudluliswa ngumda wetyala-kwingeniso.
- 3
Ixesha elide alisimahla
Ukutsala intlawulo efanayo kwiinyanga ezininzi kunyusa isixa onokusiboleka, kuba iintlawulo ezininzi zithwala isixa esikhulu sesabelo. Kodwa inzala iqokelelana ixesha elide kwibhalansi ehla ngokucothayo, ngoko indleko iyonke inyuka ngesantya esikhulu kunemali-mboleko ngokwayo.
- 4
Uvavanyo loxinzelelo
Imali-mboleko elingana kanye namhlanje isenokungalingani ukuba inzala iyanyuka. Ukuphinda uhlahlo-lwabiwo-mali olufanayo ngenzala ephakamileyo kubonisa ukuba yingakanani inxalenye yomda ebixhomekeke ekungatshintshini kwenzala — nokuba likhona na ithuba lokumelana nokunyuka.
Uvavanyo oluthathu esi sixhobo sisebenzisa lona
Ngalunye luphendula umbuzo owahlukileyo, kwaye umboleki kufuneka aluphumelele lonke.
| Uvavanyo | Into elibuzayo | Indlela ekubalwa ngayo |
|---|---|---|
| Umda wetyala-kwingeniso | Ngaba zonke iintlawulo bezingathabatha inxalenye enkulu kakhulu yoko ukufumanayo? | Ingeniso engekatsalwa iphindaphindwe ngomda, kususwe oko sele ukuhlawula inyanga nenyanga. |
| Ingeniso eseleyo | Ngaba kusala okwaneleyo xa iibhili sezihlawulwe? | Ingeniso kususwe iindleko zokuphila kususwe iintlawulo ezikhoyo. Oko kusalayo koko imali-mboleko entsha inokukusebenzisa. |
| Uvavanyo loxinzelelo lwenzala | Ngaba imali-mboleko ibiya kusasebenza ukuba ukuboleka bekubiza ngakumbi? | Intlawulo efanayo onako ukuyihlawula ibalwa kwakhona ngenzala kunye nethuba elongeziweyo, into eyehlisa umda. |
Umthetho ogqibayo ngulowo ushiya okuncinane kunazo zonke. Umboleki ophumelela ngokulula umda wetyala-kwingeniso usenokusilela kwingeniso eseleyo, kwaye ngokuqhelekileyo lolo vavanyo lokugqibela umbolekisi wokwenene alusebenzisayo kwiingxelo zakho zebhanki.
Isenzi Sesicwangciso SokuhlawulaImibuzo malunga nokukwazi ukuhlawula imali-mboleko
- Ayikho impendulo enye, yiyo loo nto esi sixhobo sibonisa ezimbini. Umda oqhelekileyo wokwamkela ubeka zonke iintlawulo zetyala kwi-35% ukuya kwi-45% yengeniso engekatsalwa. Kodwa uvavanyo olunentsingiselo ngakumbi koko kusalayo ngokwenene emva kweendleko zakho zokuphila — umda we-40% uthetha izinto ezahluke kakhulu kubantu ababini abanomvuzo ofanayo kodwa irenti eyahlukeneyo.
- Phambi kokutsalwa. Umthetho wetyala-kwingeniso ngokwesiko ulinganiswa kwingeniso engekatsalwa, kwaye koko le ndawo ikulindeleyo. Faka ukutsalwa kwakho okusemthethweni — irhafu, umhlala-phantsi, inkxaso yezempilo — kwindawo yeendleko zokuphila kunye nerenti nokutya, uze umthetho wengeniso eseleyo usebenze ngoko kufika ngokwenene kwiakhawunti yakho.
- Ityala-kwingeniso ngumlinganiselo: iintlawulo njengenxalenye yoko ukufumanayo. Ingeniso eseleyo lisixa: oko kusalayo emva kwako konke okunye. Umlinganiselo kulula ukuwuthelekisa phakathi kwababoleki, isixa sisondele ngakumbi enyanisweni. Akukho namnye oquka omnye, ngoko umboleki angaphumelela omnye asilele komnye — kwaye koko kanye ukuthelekisa kwesi sixhobo okwenzelwe kona.
- Kuba ukukwazi ukuhlawula kukhawulela intlawulo, hayi imali-mboleko. Ukwabela intlawulo efanayo kwiintlawulo ezininzi kuthwala isixa esikhulu sesabelo, ngoko umda uyanyuka. Ingxaki kukuba inzala iqokelelana kwibhalansi eseleyo ixesha elide, ngoko indleko iyonke inyuka ngesantya esikhulu kakhulu — ukusuka kunyaka omnye ukuya kwemihlanu kwitheyibhile engezantsi kuphinda malunga nesine oko unako ukukuboleka, kwaye kuphinda inzala amaxesha amaninzi ngaphezulu.
- Luphinda ukubala okufanayo ngenzala ephakamileyo, ukubona ukuba imali-mboleko ibiya kuhlala inokuhlawuleka na ukuba ukuboleka bekubiza ngakumbi. Lubaluleke kakhulu kwimali-mboleko ende enenzala eguqukayo, kwaye alubalulekanga kangako kwemfutshane enenzala engaguqukiyo. Ukuba ukunyuka kwamanqaku amabini kucima inxalenye enkulu yomda wakho, ubuxhomekeke ekubeni inzala ihlale apho ikhoyo.
- Hayi. Ukukwazi ukuhlawula yinxalenye enye yesigqibo setyala. Umbolekisi ukwakala nembali yakho yokuhlawula, ixesha osele usebenze ngalo, ukuba iingxelo zakho zebhanki ziyahambelana na noko ukuxelileyo, kunye nokuzimisela kwakhe ukuthabatha umngcipheko. Esi sixhobo sikuxelela oko izibalo zikuvumelayo, hayi oko umvavanyi aza kukugqiba.
- Ewe, kakhulu. Ngenzala esisicaba, inzala ibizwa kwisixa sokuqala ixesha lonke nokuba usele uhlawule malini, ngoko uhlahlo-lwabiwo-mali olufanayo lwenyanga luthwala imali-mboleko encinane ngokuphawulekayo kunokuba beluya kuthwala ngebhalansi ehlayo. Tshintsha indlela yenzala ngentla ukuze ubone umsantsa kumanani akho.
- Sebenzisa inani elilumkileyo endaweni yomndilili — ngcono elisondele kwinyanga yakho embi kunazo zonke yakutshanje. Intlawulo esebenza kuphela kwinyanga elungileyo yintlawulo oza kuyiphosa kwinyanga embi, kwaye ababolekisi abavavanya ingeniso engaqhelekanga benza into efanayo: bathabatha inani elingaphantsi komndilili baze bacele iingxelo zeenyanga ezimbalwa.
- Hayi. Konke ukubala kwenzeka kwisikhangeli sakho, kwaye iifayile ezithunyelwa ngaphandle zenziwa kwisixhobo sakho. Akukho nto uyibhalayo ithunyelwa kwiseva, igcinwe, okanye ishicilelwe, kwaye akukho kubhalisa.
Yingakanani inxalenye yengeniso yam enokuya kwiintlawulo zemali-mboleko?
Ndifake ingeniso yam phambi okanye emva kokutsalwa?
Uyintoni umahluko phakathi kwetyala-kwingeniso nengeniso eseleyo?
Kutheni ixesha elide lindivumela ukuba ndiboleke ngaphezulu?
Luyintoni uvavanyo loxinzelelo kwaye ndiyaludinga?
Ngaba oku kuqinisekisa ukuba umbolekisi uza kundamkela?
Ngaba indlela yenzala iyakutshintsha oko ndinako ukukuboleka?
Kuthekani ukuba ingeniso yam iyahluka inyanga nenyanga?
Ngaba idatha yam iyagcinwa?
Uvavanyo lokukwazi ukuhlawula lwakhelwe kwinkqubo yokuvelisa imali-mboleko
I-Lendbox ithabatha ingeniso, iindleko namatyala akhoyo kwisicelo ngokwaso, ize isebenzise imithetho yakho yokukwazi ukuhlawula phambi kokuba imali-mboleko ifike kuvumo — ngoko uvavanyo lubhalwa kwifayile endaweni yokubalwa kwisibali luze lulibaleke.
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.
- Isixhobo esinxulumeneIsibali Sezinga Lenzala Elisebenzayo (EIR/APR)Guqula phakathi kwamazinga athe tyaba nahlulayo uze uveze izinga lepesenti lonyaka lokwenene laliphi na imali-mboleko.