Ngaba inzala yemali-mboleko kwipropati erentwayo inokutsalwa?
Kwiminyaka ka-2020 no-2021, abasebenzi abatshintshele ekusebenzeni kude banokutsala i-EUR 5 ngosuku ngalunye lwekhalenda abasebenza ekhaya, ngoko ke isixa sisonke silinganiselwe kwi-EUR 600 ngonyaka wekhalenda kwaye, ngoko, umda weentsuku zokufaka ibango 120.
Kukho isibonelelo esiqhelekileyo sabasebenzi sokutsalwa kweshishini kwi-1.000 euros ngonyaka. Kangangoko iindleko zokwenyani ezinxulumene nomsebenzi zidlula isixa-mali se-EUR 1.000, ziyatsalwa ukuba zinokuxhaswa.
Ngokuxhomekeke kwiimfuno ezithile, inxalenye yeendleko zokunyamekela umntwana inokutsalwa ukuya kutsho kwi-EUR 4.000 ngonyaka/ngomntwana kwimeko yabantwana abangaphantsi kweminyaka eli-14 ubudala okanye abantwana abakhubazekileyo.
I-30% yeefizi zokufunda (ngaphandle kwegumbi, ibhodi kunye nokhathalelo) kubantwana abaxhomekeke kubantwana abafanelekileyo iyaxhuzulwa ukuba ufunda kwisikolo sabucala esaziwayo esikumazwe e-EU/EEA okanye eJamani kwaye ukuba isidanga samkelwe ngurhulumente. Iindleko ezikhethekileyo ezinokubangwa zilinganiselwe kwi-5.000 euro ngonyaka ngomntwana ngamnye.
Inzala yemali-mboleko kwikhaya lesibini inokutsalwa ngo-2022
Ngaba inzala kwi-mortgage yesibini inokutsalwa kwiirhafu zakho ukuba uthathe imali-mboleko yendlu yesibini? Ngumbuzo olungileyo, impendulo yawo ngokungathandabuzekiyo iya kuchaphazela izibalo zakho zesicwangciso semali sonyaka. Ngokubanzi, impendulo nguewe, unako. Gcina ukhumbula, nangona kunjalo, ukuba kukho imigaqo kunye neemeko ezithile oya kufuna ukuyazi malunga nokumisela ukuba ufanelekile na ezo kutsalwa kwerhafu, njengoko kuchazwe ngezantsi.
Ngaba i-mortgages yesibini luhlobo lwemali-mboleko olufanele ukuxhuzulwa inzala ye-mortgage phantsi kwemithetho yangoku yerhafu kubanini-zindlu? Kuhle ukuba uzibuze lo mbuzo xa ucwangcisa uhlahlo lwabiwo-mali lwakho lonyaka, ngakumbi ekubeni imali-mboleko yesibini (ekuvumela ukuba uboleke isixa semali xa uyifuna) yimali-mboleko okanye umgca wetyala okhetha ukuwuthatha. ngokuchasene nobulungisa ekhayeni lakho. Ihluke kwi-mortgage refinancing, ethatha indawo yemali mboleko endala kunye nentsha kwaye ikuvumela ukuba ufikelele kwi-equity kwikhaya lakho ngaphandle kokwazisa isidingo sokwenza enye intlawulo yenyanga.
Ngaba inzala yemali-mboleko inokutsalwa kwiimpahla zotyalo-mali?
Akukho nto ingako malunga neerhafu ezivuyisa abantu, ngaphandle kwaxa kufikwa kumbandela wokutsalwa kwemali. Ukuxhuzulwa kwerhafu ziindleko ezithile ezenziwa unyaka wonke werhafu nezinokuthatyathwa kwingeniso erhafiswayo, ngaloo ndlela kuncitshiswa imali ekufuneka ihlawulwe kwiirhafu.
Kwaye kubanikazi bezindlu abane-mortgage, kukho ukutsalwa okongeziweyo abangakubandakanya. Ukutsalwa kwenzala yemali-mboleko yenye yeentlawulo ezininzi zerhafu kubanini-zindlu ezibonelelwa yi-IRS. Funda ukuze ufumanise ukuba yintoni kunye nendlela yokuyibanga kwiirhafu zakho kulo nyaka.
Ukutsalwa kwenzala yemali-mboleko yinkuthazo yerhafu kubaninimzi. Oku kutsalwa kwento ethile kuvumela abaninimzi ukuba babale inzala abayihlawulayo kwimali-mboleko enxulumene nokwakhiwa, ukuthengwa okanye ukuphuculwa kwekhaya labo eliphambili ngokuchasene nengeniso yabo erhafiswayo, ukunciphisa isixa seerhafu abanazo. Olu xhuzulo lunokusetyenziswa nakwimali-mboleko yezindlu zesibini, ukuba nje uhlala ngaphakathi kwemida.
Kukho ezinye iindidi zeemali mboleko zezindlu ezifanele ukuxhuzulwa irhafu yenzala yemali-mboleko. Phakathi kwazo kukho imali-mboleko yokuthenga, ukwakha okanye ukuphucula izindlu. Nangona imali-mboleko eqhelekileyo yimali-mboleko, imali-mboleko yokuthenga indlu, umgca wetyala, okanye i-mortgage yesibini nayo inokufaneleka. Unokusebenzisa kwakhona inzala yemali ebolekwayo emva kokuba uhlaziye ikhaya lakho. Kufuneka nje uqinisekise ukuba imali-mboleko iyahlangabezana nezi mfuno zingasentla (ukuthenga, ukwakha okanye ukuphucula) kwaye ikhaya ekuthethwa ngalo lisetyenziselwa ukukhusela imali-mboleko.
Yintoni ethathwa njengekhaya lesibini ngeenjongo zerhafu
Usenokuba ngumnini-mhlaba oqeqeshiweyo okanye urenta ikhaya lakho “njengomnini-mhlaba ngengozi” ngenxa yokuba uzuze ilifa okanye ngenxa yokuba ungathengisanga indawo yangaphambili. Nokuba imeko yakho ithini na, qiniseka ukuba uyalwazi uxanduva lwakho lwemali.
Ukuba unendawo yokuhlala, endaweni yokuba uthenge-to-let-let-let, kufuneka uxelele umbolekisi wakho ukuba kukho umntu oza kuhlala apho ngaphandle kwakho. Oku kungenxa yokuba imali yokubambisa yokuhlala ayikuvumeli ukuba urente ipropathi yakho.
Ngokungafaniyo nokuthengwa kwezindlu zokuhlala, izivumelwano zemvume yokurenta zilinganiselwe ngexesha. Ziqhelekile kangangethuba leenyanga ezili-12, okanye ixesha elide njengoko unexesha elimiselweyo, ngoko ke zinokuba luncedo njengesisombululo sexeshana.
Ukuba awumxeleli umbolekisi, iziphumo zinokuba mbi kakhulu, njengoko zinokuthathwa njengobuqhetseba bokuthenga ngezindlu. Oku kuthetha ukuba umbolekisi wakho unokufuna ukuba uhlawule imali-mboleko ngokukhawuleza okanye ubeke ikhonkco kwipropati.
Abanini-zindlu abanakukwazi ukutsala inzala yemali-mboleko kwingeniso yerenti ukunciphisa irhafu abayihlawulayo. Ngoku baya kufumana ikhredithi yerhafu esekelwe kwinzala ye-20% yeentlawulo zabo zokubambisa. Olu tshintsho kumgaqo lunokuthetha ukuba uya kuhlawula iirhafu ezininzi kunangaphambili.
