Ngokufika kwephulo ngalinye elitsha lerhafu, amawaka abarhafi ajamelana nenkqubo ethi, nangona iphindaphindwa unyaka nonyaka, iqhubeke ivelisa imibuzo yaye, ngaphezu kwako konke, iimpazamo. Ukusuka kwidatha efakwe ngokuchanekileyo, ukutsalwa okushiyiweyo, ukubuyisela emva kwexesha, iimpazamo zixhaphake kakhulu kunokuba unokucinga. Kwaye eyona nto imbi kakhulu kukuba banokuphela bebiza kakhulu.
Ukwenza iimpazamo kwimbuyekezo yerhafu yengeniso Oku akuthethi kuphela ukuhlawula iirhafu ezininzi okanye ukufumana imbuyekezo encinci, kodwa kunokubangela izohlwayo ezinzulu zemali, iintlawulo ezingaphezulu, kunye nophicotho lwerhafu. Kodwa iindaba ezilungileyo kukuba uninzi lwezi mpazamo zinokuphetshwa ngokuphononongwa okufanelekileyo, ulwazi oluhlaziyiweyo, kwaye, ukuba kuyimfuneko, ukulungiswa kwangethuba kwembuyekezo. Ngolwazi oluthe kratya malunga nale nkqubo, ungabonisana uyifake njani imbuyekezo yerhafu yengeniso.
Uninzi lweempazamo eziqhelekileyo xa ufaka imbuyekezo yerhafu yengeniso
Phakathi kwezona mpazamo zixhaphakileyo zichongiweyo kwiimbuyekezo zabahlawuli berhafu, kukho ezininzi ezithi, nangona zibonakala zilula, zinokuba neziphumo ezibalulekileyo zemali.
- Ukungaphumeleli ukuphonononga idatha yerhafuAbantu abaninzi bayalwamkela uyilo olubonelelwe yi-Arhente yeRhafu ngaphandle kokulujonga. Olu xwebhu luveliswa ngolwazi olunikezelwe ngamaqela esithathu (iinkampani, iibhanki, njl.), ngoko ke lunokuba neempazamo. Ukuba iboniswe njengoko injalo kwaye kukho iimpazamo, uxanduva luwela kumhlawuli werhafu. Kubalulekile ukuba ungalitsibi eli nyathelo ukunqanda iingxaki ezinxulumene ne iimpazamo zokubuyiswa kwerhafu yengeniso.
- Ukulibala ukubandakanya ingeniso eyongezelelweyoAbanye abayichazi imisebenzi yamaxesha ngamaxesha, irenti, inzala yebhanki okanye inkxaso-mali. Olu qwalaselo lungakhokelela kwizohlwayo ukuba uNondyebo ubhaqa ingeniso eshiyiweyo.
- Musa ukusebenzisa iimali ezitsalwayo ezikhoyo: Kukho intaphane yemali exhuzulwayo (eyabantwana, imali-mboleko, irenti, ukukhubazeka, njl.njl.) abantu abaninzi abangazaziyo okanye abazenzi ngokuchanekileyo, ukuhlawula ngaphezu koko kuyimfuneko.
- Xela ngaphandle kokunyanzeliswa okanye ukucinga ukuba akunyanzelekangaAyingabo bonke abemi ekufuneka bafake ingxelo, kodwa abaninzi baqinisekile ukuba bayayenza. Umzekelo, ukuba uye waba nomhlawuli ongaphezulu kwesinye ngengeniso engaphezulu kwe-15.876 yee-euro ngonyaka, unyanzelekile ukuba uxele.
- Ngenisa emva kwexeshaUkushiya yonke into kumzuzu wokugqibela kwaye ungangeniswanga ngexesha kuthetha iintlawulo ezongezelelweyo. Oku kunokususela kwi-1% ukuya kwi-15%, kunye nenzala yentlawulo kade ukuba kudlule unyaka.
Uzilungisa njani iimpazamo emva kokufaka imbuyekezo
Ukuba ufumene impazamo emva kokungenisa isibhengezo sakho, Kukho iindlela zokuyilungisa. Ayizizo zonke ezilahlekileyo, kodwa kubalulekile ukuthatha amanyathelo ngokukhawuleza ukuphepha iintlawulo ezongezelelweyo okanye izohlwayo ezinzulu.
Iimpazamo ezonakalisa uNondyebo
Ukuba ufumanisa ukuba uhlawule ngaphantsi kwalowo ubufanele ukuyifumana okanye ufumene imbuyiselo engaphezulu kunoko ubufanele ukuyifumana, kungcono ufake ibango. ingxelo eyongezelelweyo. Olu hlobo lwesibhengezo luvumela ukulungiswa kweempazamo ezifana nengeniso engaxelwanga, ukutsalwa kwemali ngendlela engafanelekanga, okanye iimpazamo ezizuzisa ngokungafanelekanga umhlawuli werhafu. Ukufumana iinkcukacha ezithe vetshe ngolu hlobo lwezibhengezo, ungandwendwela ingxelo eyongezelelweyo.
Imbuyekezo eyongeziweyo ingeniswe isuka kwicandelo elithi “Lungisa ifayile efakiweyo” kwi-Renta WEB. Kuyimfuneko ukubonisa idatha echanekileyo kunye nesizathu sokulungelelaniswa. I-Ofisi kaNondyebo ibala umahluko phakathi kwezixa zangaphambili nezintsha, isebenzisa intlawulo eyongezelelweyo ehambelanayo ukuba ingeniswe emva kwexesha.
Iimpazamo ezonakalisa umhlawuli werhafu
Ukuba uye waqaphela ukuba uhlawule ngaphezu kokuba ubufanele ukuyifumana okanye ukuba ufumene imbuyekezo encinane kunaleyo ubuyityala, Ungacela ulungiso lokuzivavanya kwakho. Oko kukuthi, akufuneki ugcwalise imbuyekezo eyongezelelweyo, kodwa endaweni yoko ucele uNondyebo ukuba alungise imbuyekezo ngokuthanda kwakho.
Oku kuquka iimeko ezifana:
- Ukushiywa kwe ukutsalwa kwerhafu okanye ukucuthwa.
- Quka ingeniso ekhululiwe ngokungathi barhafiswa.
- iimpazamo kwi iimali ezichaziweyo.
Isicelo sokulungiswa kufuneka siqhutywe kwixesha elisemthethweni leminyaka emine ukusuka ekupheleni kwexesha lokungeniswa ngokuzithandela. Yenziwa kwiqonga leWEBHU yeRenta kwaye, ukuba ikhona, UNondyebo uya kuwubuyisela umahluko kunye nenzala yentlawulo kade..
Kwenzeka ntoni ukuba awuzange ugcwalise ingxelo xa ubufunwa?
Ukuba awuzange wenze isibhengezo kwaye kufuneka ukuba, Kukhethwa ukuba uyenze ngokukhawuleza, nangaphandle komhla wokugqibela. Ukuba uNondyebo ufumanisa okushiyiweyo aze akhuphe isaziso, izohlwayo ziya kuba phezulu.
- Ukuba isibhengezo siza kungeniswa, intlawulo eyongezelelweyo ye-1% kunye ne-1% eyongezelelweyo iya kwenziwa kwinyanga nganye yokulibaziseka ukuya kunyaka wokuqala. Emva kweenyanga ezili-12, intlawulo eyongezelelweyo iya kuba yi-15% kunye nenzala yentlawulo kade.
- Ukuba yayiza kubuyiswa, banokubeka intlawulo ye-euro eyi-100 (iyancipha ukuya kwi-60 ukuba awubheneli kwaye uhlawule ngokukhawuleza).
Uninzi lwezohlwayo kunye nezohlwayo ngeempazamo kwisibhengezo
I-Arhente yeRhafu icinga ngeentlobo ezahlukeneyo ze zihlwayo kuxhomekeke kubuzaza kunye nohlobo lwempazamo:
- Iimpazamo ezincinci: Idatha engaphelelanga okanye engalunganga ngaphandle kokulahlekelwa yimali idla ngokuhlawuliswa nge-100 ukuya kwi-euro ye-200, ukuba uNondyebo ufumanisa impazamo ngaphambi kokuba wenze.
- Ukutsalwa imali ngokungeyomfuneko: Ukuba wenza isicelo sokuxhuzulwa imali esingakufanelanga, isohlwayo sisenokuba njalo I-15% yemali ecelwe ngokungafanelekanga.
- Ukusetyenziswa kwamaxwebhu obuxoki:Ukusebenzisa ii-invoyisi zomgunyathi okanye ukunyuswa kweendleko zokutsala imali eninzi kunokukhokelela kwizohlwayo ukusuka kwi-50% ukuya kwi-100% yesixa-mali esinxulumeneyo.
- Ubuqhophololo obugqithise kwi-euro eyi-3.000: UNondyebo unokuwisa izohlwayo ukuya kuthi ga kwi-150% yemali ebuqhophololo. Kwiimeko ezinzulu zobuqhetseba, isohlwayo sinokudlula i-300.000 euro.
- Iimpazamo nge-NIFImpazamo encinci enenombolo yesazisi yerhafu inokukhokelela kwisohlwayo se-euro ezili-150, kodwa eyona nto inzima inokukhokelela kwisohlwayo se-30.000 ye-euro.
Ngubani onoxanduva ukuba umphathi wenze impazamo?
Nokuba uqeshe umcebisi werhafu okanye umphathi, Umntu ekugqibeleni onoxanduva kuNondyebo uhlala inguwe njengomhlawuli werhafu. Ukuba impazamo ibiyimpazamo yomphathi, ungafaka ibango lembambano okanye lolwaphulo-mthetho ngokuchasene naye, kodwa uNondyebo uya kufuna ukuba uyilungise kwaye uhlawule isohlwayo esingqinelanayo, ngaphandle kokuba umchaze ngokusemthethweni umphathi njengonoxanduva lwesibhengezo. Yiyo loo nto kubalulekile ukukuphepha Iimpazamo kutyalo-mali kunye nokufayilisha.
Kwiimeko apho umphathi enze ubuqhetseba okanye ulwazi olukhohlisayo, banokude babe netyala lolwaphulo-mthetho, kunye nezohlwayo ezinokubandakanya ukuvalelwa entolongweni ukuba imali idlula i-euro eyi-120.000.
Kuthekani ukuba impazamo ivela kwiminyaka edlulileyo?
Kwakhona kunokwenzeka ukungenisa imbuyekezo eyongezelelweyo okanye isicelo sokulungiswa kweminyaka yemali yangaphambili phakathi kwexesha elilinganiselwe leminyaka emine ukusuka kumhla wokugqibela wexesha lokufayilisha ngokuzithandela.
Ukuba umhla wokugqibela udlulile, akusekho mfuneko yokulungisa imbuyekezo, ekubeni uNondyebo akasayi kuphinda akwazi ukufaka ibango kwaye umhlawuli werhafu akayi kukwazi ukufuna ukubuyiselwa imali. Ngoko ke, Ixesha lokuphonononga iimpazamo ezinokubakho ngoku, ngaphambi kokuba kushiywe lixesha.
Ukuphonononga ngononophelo imbuyekezo yakho yerhafu, ukuqonda ukutsalwa kwemali okukhoyo, ukufaka kwangethuba, kunye nokulungisa iimpazamo ngokukhawuleza ngamanyathelo ayimfuneko okuthintela iindleko ezingeyomfuneko. Nangona uNondyebo ube bhetyebhetye ngakumbi kwizigwebo zeempazamo ezincinci, Ukusilela okunzulu kuyaqhubeka kunemiphumo ebalulekileyo. Kuyacetyiswa ukuba uqaphele le iindaba zerhafu minyaka le, sebenzisa izixhobo ezisemthethweni ezifana ne-Renta WEB, kwaye ukuba uyathandabuza, unomcebisi werhafu onokukunceda ukuphepha ukumangalisa okungathandekiyo.
