Uyini iqashwe? Futhi kungani

Ngamunye wethu wake wezwa okuthile irenti, angithi? akubona bonke abantu bazokwazi ukuchaza ngesibindi lokho lo mqondo kusho. Ake sithole ukuthi kwakungani lokho iqashwe. Lena ukudluliselwa yokuzithandela amafa noma ingxenye impahla yomunye umuntu. Kulokhu, zonke impahla adluliselwe kufanele kugcinwe nangendlela efanele, futhi ngesikhathi esifanele ikhokhwe.

Inkokhelo kungaba yini imali kuphela, kodwa futhi ezinye izinhlobo ukubala, okuyinto ebekiwe inkontileka ka iqashwe. Lokhu kungaba izidakamizwa ukuthenga, ukuphathwa ngokwengxenye noma ngokuphelele yasendlini, ukunakekela umnikazi abagulayo njalo njalo.

Ekubhaleni isivumelwano iqashwe ubala zonke izimo kanye nezibophezelo zombili izinhlangothi. Ngokwe imigomo yenkontileka impahla iqashwe iba yindawo yoMkhandlu lokukhokha komunye oyedwa noma ngokushesha ngemva ukusayina, noma ngesinye isikhathi, ukuthi inqunywa zombili izinhlangothi. Isivumelwano kufanele ibe, singakanani isikhathi umnikazi zangaphambili ngeke ibhaliswe khona, futhi isikhathi eside kangakanani uyophila efulethini.

Iyini indawo yokuhlala kanye nezinhlobo zayo? Bangakwazi zihlukaniswe amaqembu amathathu: imali yesondlo impilo yonke, unomphela futhi konke a engaphansi. Bona ziyahlukahluka ngobukhulu futhi ngokuya lokukhokha, efomini. Uyini annuity njalo? It ikhokhelwa izakhamuzi noma izinhlangano ezingenzi nzuzo. Ukuthola lolu hlobo annuity luthathwe, noma ngokulandelana.

Uyini annuity esaphila? futhi ukuthi lihluke kanjani njalo? Kungaba ukwamukela abantu kuphela. Lolu hlobo lwe-annuity ayikwazi ngofuzo, ngenxa yokuthi ukuthi kubhadalwa kwemali yemphesheni saziso kuphele ngosuku lapho ukufa kwenzeka yokuqasha abamukelayo. Ukulimala noma nokulinyazwa kwempahla adluliselwe ngaphansi inkontileka akusho zivimbele lokukhokha komunye oyedwa kusuka kunoma iyiphi izibopho zayo ukukhokha izinkokhelo edingekayo.

Life yemphesheni we engaphansi kusho ukuthi iqashwe-abamukelayo idluliselwe impahla yakhe ukuze ubunikazi lokukhokha komunye oyedwa, okuyinto yena, sithembisa nokuqalisa ukuphathwa impilo yonke nge abondliwa.

Annuity inkontileka kumelwe nakanjani kube notarized futhi bhalisiwe ngendlela yakhona.

Kuze kube manje, iningi efulethini iqashwe senziwa. Okwamanje, emadolobheni amakhulu zikhona izinhlangano ukuthi bekwi ukuthengiselana okunjalo. Ngokuvamile, isinyathelo esinjalo kukhona nezihlobo ezikhulile, izizwe inesizungu noma ukhohlwe abantu abangaziwa abamane Awunayo imali eyanele ukuze baphile.

imininingwane ehilelekile abuhlungu ukuthengiselana okunjalo ngokuvamile lokho abasebenzi nama-ejenti kanye payers musa wazise impesheni ongaqaphile ngobukhulu irenti kweqiniso. Inkulumo ethi "ezinhlanu (noma ngezinye izikhathi ezimbili) amaholo" ezibhekwa ngilixhegu, ngokuthi "izikhathi ezinhlanu 4000," nakuba empeleni kahlanu $ 100.

Naphezu kweqiniso lokuthi lesi simo is ngokusobala esingenabulungisa Russian lesishaya amaholo (ruble 4,330) lenkontileka annuity ayikuvumeli. Naphezu kweqiniso lokuthi manje umthethosivivinywa phezu ukuzinza isimo ukufunda kuqala, bese akakalenzi lidlule. Ngakho-ke, abadala, idluliselwe ubunikazi emizini yabo, esikhundleni kulindeleke ruble ayizigidi eziyisishiyagalombili uzothola anamakhulu mabini.

Nqamula noma kuqede inkontileka enjalo kungaba ukuqasha umyalelo wenkantolo, kodwa kube nzima kakhulu. Sidinga abameli abaqeqeshiwe futhi abaholelwa kahle abakghona afakazele ngokungemthetho kuthengiselana.

Manje ngoba sewuyazi ukuthi lokho ziklebhukile, choice esifanele wena - ukubhalisa noma cha.