Ithuluzi lamahhala lokubolekisa
Isibali sokukhokha ngaphambi kwesikhathi
Sekukhokhwe izinkokhelo eziyishumi nambili kwezingamashumi amabili nane: kubiza malini ukuvala imalimboleko namuhla? Ayikho impendulo eyodwa. Imalimboleko efanayo ivalwa ngamanani amathathu ahlukene kuya ngokuthi umbolekisi ubuyisela kanjani inzalo umbolekiwe angeke esaba nayo — futhi abantu abaningi banikwa elilodwa kuwo bengatshelwa ukuthi yiliphi. Le thuluzi ibala womathathu, yengeze noma yiziphi izindleko zokuvala, bese ikhombisa ukonga kwangempela.
Imalimboleko nokuthi ukuphi kuyo
Izinga eliqondile likhokhisa inzalo kunani lonke lokuqala isikhathi sonke. Ibhalansi encipha ikhokhisa kuphela kulokho okusakweletwayo.
Ukuvala ngaphambi kwesikhathi
Kwezingu-24 sezizonke.
Yishiye ku-zero ukuze uvale ngosuku lokukhokha ncamashi.
Yonke inkokhelo ifakwa kuqala enzalweni etholakele kuze kufike lolo suku bese ifakwa esikweletini esiyinhloko. Okusalayo yikho okukweletwayo. Yindlela enobulungiswa kakhulu, futhi yiyo abalawuli abavame ukuyikhetha.
Imali abanye ababolekisi abayikhokhisa ngokuvala imalimboleko ngaphambi kwesikhathi. Iphesenti lisebenza esalweni esisele, hhayi enanini lokuqala lemalimboleko.
Vala namuhla nge-
R 5,449.31
Konga R 550.69
Kusasele izinkokhelo ezingu-12.
- Isalio esisele
- R 5,449.31
- Inzalo ebuyiselwe
- R 550.69
- Inani lokuvala
- R 5,449.31
Uma imalimboleko iqhubeka kuze kube sekugcineni
- Izinkokhelo ezisele
- 12
- Okusazokhokhwa uma uqhubeka
- R 6,000.00
- Inzalo elondolozwe ngokuvala
- R 550.69
Isikhathi esifanayo, sibalwa ngendlela ngayinye
Inani le malimboleko evalwa ngalo ngaphansi kwendlela ngayinye umbolekisi angayisebenzisa.
- I-actuarial — isalio sangempela esisele
- R 5,449.31
- IRule of 78s
- R 5,480.00
- Akukho ukubuyisela — zonke izinkokhelo ziyafuneka
- R 6,000.00
Leli zinga elingaguquki libiza 18.16% empeleni esalweni esehlayo, futhi yilelo zinga inani le-actuarial elikhokhelwa ngalo.
Isilinganiso sokuqhathanisa. Isivumelwano sakho semalimboleko yiso esinquma ukuthi iyiphi indlela yokubuyisela esebenzayo nokuthi ingabe kukhona imali yokuvala, ngakho cela kumbolekisi inani lokuvala elisemthethweni ngaphambi kokukhokha.
Zonke izikhathi ongasavala ngazo
Ukuthi kubiza malini ukuvala imalimboleko emva kwenkokhelo ngayinye esele, nokuthi lokho konga malini uma kuqhathaniswa nokuqhubeka kuze kube sekugcineni.
Ivuleka ku-Excel, ku-Sheets noma kunoma yisiphi isipredishithi.
| Emva kwenkokhelo | Izinkokhelo ezisele | Inani lokuvala | Inzalo elondolozwe |
|---|---|---|---|
| 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 |
Okukweletwayo akukhona okusasele ukukhokha
Ukuvala ngaphambi kwesikhathi kungenye yezindawo ezimbalwa ekubolekiseni lapho izibalo ezisobala zinikeza impendulo engalungile, nalapho umehluko uya ngqo ephaketheni lomunye umuntu.
- 1
Isalio akulona isamba sezinkokhelo ezisele
Lezo zinkokhelo ziqukethe inzalo yezinyanga imalimboleko engeke isaqhubeka ngazo. Uma uvala ngaphambi kwesikhathi leyo nzalo ayilokothi itholakale, ngakho ukuyikhokhisa kungaba ukukhokhisa ngalutho. Okukweletwa ngempela yisikweletu esiyinhloko esisele kanye nenzalo etholakele kuze kufike usuku lokuvala.
- 2
I-actuarial ibhekene neRule of 78s
Indlela ye-actuarial ifaka yonke inkokhelo enzalweni etholakele kuze kufike lolo suku bese iyifaka esikweletini esiyinhloko, ngakho isalio yilokho nje okusalayo. IRule of 78s yona yabela inzalo ngesamba sezinombolo, ibuthele okwengeziwe ezinyangeni zokuqala. Kumalimboleko efanayo, eyesibili ihlala ishiya umbolekiwe ekweleta okwengeziwe, yingakho izimakethe eziningana ziyikhawulela noma ziyenqabela.
- 3
Kungani imalimboleko yezinga elingaguquki ijezisa ukuvala kusenesikhathi
Izinga elingaguquki libophezela inzalo enanini lokuqala ngosuku imalimboleko ebhalwa ngalo, ngakho alihlobene nhlobo nesalio. Maphakathi nesikhathi, ikholomu yesalio kushejuli ayisizi ngalutho — ilandelela isikweletu esiyinhloko futhi ishaya indiva ukuthi inzalo itholakele kanjani. Inani eliqotho litholakala ngokuguqula izinga elingaguquki libe yizinga lesalio esehlayo elibiza ngalo ngempela, bese ufunda isalio kulokho.
- 4
Imali yokuvala iyayiguqula impendulo
Abanye ababolekisi bayakhokhisa ngokuvala imalimboleko kusenesikhathi, njengephesenti lesalio noma njengenani elimisiwe, ukuze babuyise inzuzo ababeyifake kakade enanini. Lapho ivunyelwe ivame ukuba nomkhawulo, futhi ezimakethe eziningana yenqatshelwe ngokuphelele. Yifake lapha ukuze ubone ukuthi ukuvala kusalondoloza yini okuthile emva kokuyikhokha.
Imalimboleko efanayo, ivalwa ngezindlela ezintathu
Izinkulungwane eziyishumi ezibolekwe ngo-10% ongaguquki ezinyangeni ezingu-24, zivalwa ngokushesha emva kwenkokhelo yeshumi nambili. Izinkokhelo ezisele zifika ku-6,000.00 — kodwa yinani elilodwa kuphela kulawa okuyilo umbolekiwe alikweletayo ngempela.
| Indlela | Isebenza kanjani | Inani lokuvala |
|---|---|---|
| I-actuarial | Yonke inkokhelo iya enzalweni etholakele kuze kufike lolo suku, bese iya esikweletini esiyinhloko. Okusalayo yisalio. | 5,449.31 |
| IRule of 78s | Inzalo eyabiwe ngesamba sezinombolo, ibuthelwe ezinyangeni zokuqala, ngakho kubuya okuncane. | 5,480.00 |
| Akukho ukubuyisela | Zonke izinkokhelo ezisele zifuneka ziphelele, kufaka phakathi inzalo yezinyanga ezingeke zidlule. | 6,000.00 |
Umehluko phakathi komugqa wokuqala nowokugcina ungu-550.69 emalimbolekweni engu-10,000. Ukuthi yiyiphi esebenzayo kunqunywa yisivumelwano semalimboleko hhayi izibalo, ngakho isigatshana sokukhokha ngaphambi kwesikhathi sifanele sifundwe ngaphambi kokuzibophezela ukukhokha.
Isiqhathanisi Sezinga Eliqondile Nebhalansi EnciphaImibuzo mayelana nokukhokha imalimboleko ngaphambi kwesikhathi
- Yinani elivala imalimboleko ngokuphelele ngosuku oluthile: isikweletu esiyinhloko esisele, kuhlanganise nenzalo etholakele kuze kufike lolo suku, kanye nanoma yimuphi umkhokho isivumelwano esiwuvumelayo. Uma ukhokhiwe, akukho okunye okukweletwayo.
- Ngoba lezo zinkokhelo zifaka inzalo yezinyanga imalimboleko engeke isaqhubeka ngazo. Ukuvala kusenesikhathi kusho ukuthi leyo nzalo ayilokothi itholakale, ngakho akufanele ikhokhiswe. Ukuthi kususwa kangakanani kuya ngendlela yokubuyisela isivumelwano esiyisebenzisayo.
- Yindlela yokwaba inzalo yemalimboleko yezinga elingaguquki kuso sonke isikhathi sayo kusetshenziswa izisindo zesamba sezinombolo, ngakho ingxenye enkulu kuyo ibalwa njengetholakele ezinyangeni zokuqala. Ibuyisela okuncane kunendlela ye-actuarial kuyo yonke imalimboleko, futhi yingakho ikhawulelwe noma yenqatshelwe ezimakethe eziningana.
- Isivumelwano semalimboleko siyasho. Bheka isigatshana esimayelana nokuvala kusenesikhathi, ukukhokha ngaphambi kwesikhathi noma ukubuyiselwa kwezindleko. Lapho umthetho unquma indlela ethile, wona wedlula lokho isivumelwano esikushoyo.
- Ngokuvamile, kodwa hhayi njalo. Imali yokuvala enkulu ingeqa ukubuyiselwa kwenzalo, ikakhulukazi lapho sekuseduze ukuphela kwesikhathi lapho kusele inzalo encane engabuyiselwa. Faka imali yokuvala ngenhla futhi ithuluzi lizobonisa ukonga okungezansi kuka-zero uma kunjalo.
- Inzalo yayo ibophezelwa kusukela ekuqaleni enanini lokuqala, ngakho ayilokothi ilandele isalio. Ukuze uthole inani lokuvala eliqotho, izinga kufanele liguqulwe libe yizinga lesalio esehlayo elibiza ngalo ngempela — u-10% ongaguquki ezinyangeni ezingu-24 ungu-18.16% wesalio esehlayo — bese isalio sifundwa kulokho.
- Zengeza inzalo yengxenye yesikhathi phakathi kwenkokhelo yokugcina nosuku lokuvala, futhi yiyo indlela inani lokuvala elinosuku elakhiwa ngayo. Zisebenza kuphela endleleni ye-actuarial: ezinye ezimbili zakhiwe ngezinkokhelo eziphelele esezivele ziqukethe inzalo yaleso sikhathi, ngakho ukwengeza phezu kwazo kungaba ukukhokhisa kabili.
- Le thuluzi ibala ukuvala okuphelele. Ukukhokha ingxenye kuyisibalo esihlukile: kuya ngokuthi isivumelwano sivumelani, kunciphisa isikhathi noma kunciphise inkokhelo, futhi inzalo elondolozwayo iyahluka ngokufanele.
- Cha. Konke ukubala kwenzeka esiphequluli sakho, futhi amafayela athunyelwa ngaphandle enziwa kudivayisi yakho. Akukho okubhalayo okuthunyelwa kuseva, okugcinwayo, noma okuqoshwayo, futhi akukho kubhalisa.
Liyini inani lokukhokha ngaphambi kwesikhathi?
Kungani inani lokuvala lingaphansi kwezinkokhelo zami ezisele?
Iyini iRule of 78s?
Iyiphi indlela umbolekisi wami azoyisebenzisa?
Ingabe ukuvala kusenesikhathi kuhlala konga imali?
Kungani imalimboleko yezinga elingaguquki iziphatha ngendlela ehluke kangaka?
Zenzani izinsuku kusukela enkokhelweni yokugcina?
Ngingakwazi yini ukukhokha ingxenye yemalimboleko kuphela?
Ingabe idatha yami iyagcinwa?
Amanani okuvala ahambisana nesivumelwano
ILendbox igcina indlela yokubuyisela nemibandela yokuvala kusenesikhathi yomkhiqizo ngamunye eceleni kwezinga lawo, bese iyisebenzisa lapho umbolekiwe ecela ukuvala imalimboleko kusenesikhathi — ngakho inani elishiwo yisisebenzi, inani elisesitatimendeni nenani elivala ngempela imalimboleko yinani elilodwa.
Ayidingeki ikhadi lesikweletu.
Qhubeka uhlola
- Onke amathuluzi amahhalaAmathuluzi amahhala kwabamali-mbolekoKhetha ithuluzi uthole impendulo ngemizuzwana. Sisengeza okunye, ngakho buya maduze.
- Ithuluzi elihlobeneIsenzi Sohlelo LokukhokhaYenza ukuhlukaniswa kwesikhathi nesikhathi kwesamba esiyinhloko nenzalo, bese ukuthumela ku-PDF noma i-CSV.
- Ithuluzi elihlobeneIsiqhathanisi Sezinga Eliqondile Nebhalansi EnciphaBala imalimboleko efanayo ngezindlela zombili ngasikhathi sinye bese ubona ukuthi izinga eliqondile libiza malini ngempela, kanye nezinga elilinganayo lebhalansi encipha.