Ithuluzi lamahhala lokubolekisa
Isibali sokukwazi ukukhokha isikweletu
Zonke ezinye izibali ziqala ngenani lesikweletu. Lesi siqala ngephepha lakho lomholo. Faka okuholayo, okuchithayo nokusukhokhayo, bese sibuyela emuva siye esikweletini esikhulu kunazo zonke lezo zibalo ezingasixhasa — silinganiswa ngezindlela ezimbili, ngoba abakweletisi abasebenzisi umthetho ofanayo bonke.
Imali yakho inyanga ngenyanga
Ngaphambi kwezindleko ezikhishwayo — yileli nani umthetho wesikweletu-kumali-engenayo olinganiswa kulo.
Irenti, ukudla, ezokuthutha, izimali zesikole nanoma yini ekhishwa emholweni wakho ngaphambi kokuba ufike.
Osuvele ukukhokha inyanga ngayinye kwezinye izikweletu, amakhadi noma ama-akhawunti.
Isikweletu osifunayo
Imithetho okumele kuhlolwe ngayo
Ingxenye yemali engenayo engakahlukaniswa umkweletisi avumela zonke izinkokhelo ukuba zifike kuyo. Iningi liphakathi kuka-35% no-45%.
Amaphuzu ephesenti afakwa enzalweni, ukuhlola ukuthi isikweletu sisasebenza yini uma ukuboleka kubiza kakhulu. Faka uziro ukweqa lesi sinyathelo.
Faka inani ukuze ulihlole ngokumelene nalokho ongakwazi ukukukhokha.
Ungaboleka kuze kufike ku-
R 179,794.45
R 6,500.00 ngenyanga
Umthetho oqinile kakhulu kwemibili engezansi yiwona onquma leli nani.
- Inkokhelo ongayikhokha
- R 6,500.00
- Ikhawulwa yi-
- Umkhawulo wesikweletu-kumali-engenayo
- Isikweletu esikhulu kunazo zonke
- R 179,794.45
- Inani lezinkokhelo
- 36
- Isamba ozosikhokha
- R 234,000.00
- Okuyinzalo kukho
- R 54,205.55
- Uma inzalo ikhuphukela ku-20.00%
- R 174,902.40
Imithetho emibili, eceleni komunye
Abakweletisi abalinganisi bonke ukukwazi ukukhokha ngendlela efanayo. Umthetho oqinile yiwona onquma impendulo yakho.
- Umkhawulo wesikweletu-kumali-engenayoOnqumayoR 6,500.00
- R 179,794.45
- Imali esalayoR 9,500.00
- R 262,776.50
Kuwukulinganisela okwenzelwe ukuqhathanisa. Umkweletisi wenza ukuhlolwa kwakhe kokukwazi ukukhokha ngezitatimende zakho zasebhange nomlando wakho wesikweletu, futhi imikhawulo yakhe ingaqina kunaleyo ebekwe lapha.
Lokho isikhathi eside esikunika khona
Isabelomali esifanayo sanyanga zonke sisatshalaliswa ezikhathini ezahlukene. Isikweletu eside sikhuphula lokho ongakuboleka — futhi sikhuphula indleko yaso kakhulu kunalokho.
Ivuleka ku-Excel, ku-Sheets noma kunoma yisiphi isipredishithi.
| Isikhathi | Izinkokhelo | Isikweletu esikhulu kunazo zonke | Isamba esikhokhiwe | Isamba senzalo |
|---|---|---|---|---|
| Izinyanga ezingu-6 | 6 | R 37,031.72 | R 39,000.00 | R 1,968.28 |
| Unyaka owodwa | 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 |
Ukuthi ukukwazi ukukhokha kulinganiswa kanjani ngempela
Imithetho emibili, ukuhlolwa kwengcindezi okukodwa, kanye nokushintshana okudlula abakweletiwe abaningi.
- 1
Umkhawulo wesikweletu-kumali-engenayo
Ukuhlola okusheshayo kunakho konke: zonke izinkokhelo, kufaka phakathi isikweletu esisha, azimele zedlule ingxenye ebekiwe yemali engenayo engakahlukaniswa. Kulula ukukusebenzisa futhi kulula ukukudlula — nokho yilapho ubuthakathaka bakho bukhona, ngoba akusho lutho ngalokho umuzi okuchithayo ngempela.
- 2
Imali esalayo
Lokho okusala ngempela ngemuva kwezindleko zokuphila nezinkokhelo ezikhona. UMthetho Kazwelonke Wesikweletu waseNingizimu Afrika udinga ukuhlolwa kwemali engasetshenziswa ngokuzikhethela, okuyilo mthetho hhayi owokuqala — futhi ubamba lowo ohola kakhulu kodwa achithe kakhulu, obengadluliswa umkhawulo wesikweletu-kumali-engenayo.
- 3
Isikhathi eside asimahhala
Ukusabalalisa inkokhelo efanayo ezinyangeni eziningi kukhuphula inani ongaliboleka, ngoba izinkokhelo eziningi zithwala isamba esikhulu. Kodwa inzalo iqongelela isikhathi eside kubhalansi ehla kancane, ngakho indleko iyonke ikhuphuka ngesivinini esikhulu kunesikweletu uqobo.
- 4
Ukuhlolwa kwengcindezi
Isikweletu esilingana kanye namuhla singahle singalingani uma inzalo ikhuphuka. Ukuphinda isabelomali esifanayo ngenzalo ephakeme kukhombisa ukuthi ingakanani ingxenye yomkhawulo eyayincike enzalweni engashintshi — nokuthi lukhona yini uthuba lokumelana nokukhuphuka.
Ukuhlolwa okuthathu lesi sisetshenziswa esikusebenzisayo
Ngakunye kuphendula umbuzo ohlukile, futhi umbolekiwe kumele akudlule konke.
| Ukuhlola | Okubuzayo | Ukuthi kubalwa kanjani |
|---|---|---|
| Umkhawulo wesikweletu-kumali-engenayo | Ingabe zonke izinkokhelo zingathatha ingxenye enkulu kakhulu yalokho okuholayo? | Imali engenayo engakahlukaniswa iphindaphindwe ngomkhawulo, kukhishwe lokho osuvele ukukhokha inyanga ngayinye. |
| Imali esalayo | Ingabe kusala okwanele uma izikweletu sezikhokhiwe? | Imali engenayo kukhishwe izindleko zokuphila kukhishwe izinkokhelo ezikhona. Okusalayo yikho isikweletu esisha esingakusebenzisa. |
| Ukuhlolwa kwengcindezi yenzalo | Ingabe isikweletu besisazosebenza uma ukuboleka kubiza kakhulu? | Inkokhelo efanayo ongayikhokha ibalwa kabusha ngenzalo kanye nethuba elengeziwe, okunika umkhawulo ophansi. |
Umthetho onqumayo yilowo oshiya okuncane kunakho konke. Umbolekiwe odlula kalula umkhawulo wesikweletu-kumali-engenayo angahluleka emalini esalayo, futhi imvamisa yilokho kuhlolwa kokugcina umkweletisi wangempela akusebenzisa ezitatimendeni zakho zasebhange.
Isenzi Sohlelo LokukhokhaImibuzo mayelana nokukwazi ukukhokha isikweletu
- Ayikho impendulo eyodwa, yingakho lesi sisetshenziswa sikhombisa ezimbili. Umkhawulo ojwayelekile wokwamukela ubeka zonke izinkokhelo zesikweletu ku-35% kuya ku-45% wemali engenayo engakahlukaniswa. Kodwa ukuhlola okunengqondo kakhulu yilokho okusala ngempela ngemuva kwezindleko zakho zokuphila — umkhawulo ka-40% usho izinto ezehluke kakhulu kubantu ababili abanomholo ofanayo kodwa irenti ehlukene.
- Ngaphambi kwezindleko ezikhishwayo. Umthetho wesikweletu-kumali-engenayo ngokwesiko ulinganiswa emalini engenayo engakahlukaniswa, futhi yilokho le ndawo ekulindele. Faka izindleko zakho ezikhishwa ngokomthetho — intela, impesheni, umshwalense wezempilo — endaweni yezindleko zokuphila kanye nerenti nokudla, bese umthetho wemali esalayo uzosebenza ngalokho okufika ngempela ku-akhawunti yakho.
- Isikweletu-kumali-engenayo siyisilinganiso: izinkokhelo njengengxenye yalokho okuholayo. Imali esalayo iyinani: lokho okusalayo ngemuva kwakho konke okunye. Isilinganiso kulula ukusiqhathanisa phakathi kwabakweletiwe, inani lisondelene nakakhulu neqiniso. Akukho okufaka okunye phakathi, ngakho umbolekiwe angadlula omunye ahluleke komunye — futhi yilokho kanye ukuqhathanisa kulesi sisetshenziswa okwenzelwe khona.
- Ngoba ukukwazi ukukhokha kukhawula inkokhelo, hhayi isikweletu. Ukwabela inkokhelo efanayo ezinkokhelweni eziningi kuthwala isamba esikhulu, ngakho umkhawulo uyakhuphuka. Inkinga ukuthi inzalo iqongelela kubhalansi esele isikhathi eside, ngakho indleko iyonke ikhuphuka ngesivinini esikhulu kakhulu — ukusuka onyakeni owodwa uye kwemihlanu etafuleni elingezansi kuphindaphinda cishe kane lokho ongakuboleka, futhi kuphindaphinda inzalo izikhathi eziningi kakhulu.
- Kuphinda ukubalwa okufanayo ngenzalo ephakeme, ukubona ukuthi isikweletu besisazokwazi ukukhokheka uma ukuboleka kubiza kakhulu. Kubaluleke kakhulu esikweletini eside esinenzalo eguqukayo, futhi akubalulekile kangako kwesifushane esinenzalo engaguquki. Uma ukukhuphuka kwamaphuzu amabili kususa ingxenye enkulu yomkhawulo wakho, ubuncike ekutheni inzalo ihlale lapho ikhona.
- Cha. Ukukwazi ukukhokha kuyingxenye eyodwa yesinqumo sesikweletu. Umkweletisi ubuye akale umlando wakho wokukhokha, isikhathi osusebenze ngaso, ukuthi izitatimende zakho zasebhange ziyahambisana yini nalokho okushilo, kanye nesifiso sakhe sokuthatha ubungozi. Lesi sisetshenziswa sikutshela lokho izibalo ezikuvumelayo, hhayi lokho umhloli azokunquma.
- Yebo, kakhulu. Ngenzalo eyisicaba, inzalo ikhokhiswa enanini lokuqala isikhathi sonke kungakhathaliseki ukuthi ukhokhe malini, ngakho isabelomali esifanayo sanyanga sithwala isikweletu esincane ngokusobala kunalokho ebesizosithwala ngebhalansi ehlayo. Shintsha indlela yenzalo ngenhla ukuze ubone umehluko ezibalweni zakho siqu.
- Sebenzisa inani eliqaphile kunesilinganiso — kungcono elisondelene nenyanga yakho embi kakhulu yakamuva. Inkokhelo esebenza kuphela enyangeni enhle yinkokhelo ozoyiphuthelwa enyangeni embi, futhi abakweletisi abahlola imali engenayo engajwayelekile benza okufanayo: bathatha inani elingaphansi kwesilinganiso bese becela izitatimende zezinyanga eziningana.
- Cha. Konke ukubala kwenzeka esiphequluli sakho, futhi amafayela athunyelwa ngaphandle enziwa kudivayisi yakho. Akukho okubhalayo okuthunyelwa kuseva, okugcinwayo, noma okuqoshwayo, futhi akukho kubhalisa.
Ingakanani ingxenye yemali yami engenayo engaya ezinkokhelweni zesikweletu?
Ngifake imali yami engenayo ngaphambi noma ngemuva kwezindleko ezikhishwayo?
Wuphi umehluko phakathi kwesikweletu-kumali-engenayo nemali esalayo?
Kungani isikhathi eside singivumela ukuba ngiboleke okwengeziwe?
Kuyini ukuhlolwa kwengcindezi futhi ngiyakudinga?
Ingabe lokhu kuqinisekisa ukuthi umkweletisi uzongamukela?
Ingabe indlela yenzalo iyalushintsha lokho engingakuboleka?
Kuthiwani uma imali yami engenayo ishintsha inyanga nenyanga?
Ingabe idatha yami iyagcinwa?
Ukuhlolwa kokukwazi ukukhokha kwakhelwe ekudalweni kwesikweletu
I-Lendbox ithatha imali engenayo, izindleko nezikweletu ezikhona esicelweni uqobo, bese isebenzisa imithetho yakho yokukwazi ukukhokha ngaphambi kokuba isikweletu sifike ekugunyazweni — ngakho ukuhlola kubhalwa efayeleni esikhundleni sokubalwa esibalini bese kukhohlakala.
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.
- Ithuluzi elihlobeneIsibali-mali Sezinga Lenzalo Elisebenzayo (EIR/APR)Guqula phakathi kwamazinga aqondile nesabalalisayo bese uveza izinga lamaphesenti lonyaka langempela lanoma iyiphi imali-mboleko.