Iphrofayili-iPropati yokuTyaliswa kweMihlaba yomhlalaphantsi

Amanani kunye neentlobo zeeMpahla ezikhoyo

Ngomntwana okhulayo, isizwe somhlala-phantsi siye saziwa kakhulu. Kukho amathuba athile otyalo-mali atholakala kulolu hlobo lwommandla. Nangona kunjalo, kusenokuba yinto enyanzelisayo kubo bonke abatyala-mali. Uluntu lomhlalaphantsi lunokwenza okuthile. Ukuqonda iprofayili yoluntu lomhlalaphantsi unokukunceda ukuba unqume ukuba ingaba yinto efanelekile kuwe njengomtyalo-mali.

Uluphi umhlalaphantsi woLuntu?

Uluntu lomhlala-phantsi ngummandla oye wakhiwe ngokukhethekileyo okanye otyunjwe abantu abadala abaneminyaka engama-55 okanye ngaphezulu. Uninzi lwabantu abadala kuluntu lubonwa njengomhlala phantsi kwixesha elipheleleyo eli-9 ukuya kwemihlanu. Basenokuphinda baqhube umsebenzi wexesha elide kodwa basengabikho kwinqanaba lemihla ngemihla.

Imiphakathi yomhlalaphantsi kukuphuhliswa kwamafulethi, ii-condos, okanye amakhaya aqokelelweyo. Abahlali banakho ukhetho lokuqasha okanye ukuthenga iyunithi kuxhomekeke kwiimfuno zabo. Imiphakathi yomhlala-phantsi ingaba yinxalenye yoluntu oluphakathi kwabantu abaphela kuphela abahlali abanokufikelela kuwo.

Imimandla yomhlala-phantsi iyindawo yokuhlala esebenzayo kubahlali abakhulileyo. Nangona ezinye iindawo zokuthatha umhlala-phantsi zijolise kwiinkonzo zonyango, ezininzi zincike kwingcamango yokuba abahlali banempilo, abantu abanempilo. Uluntu lujolise kulo msebenzi wokuphila. Ingcamango kukuba yindawo engummiselo wonke.

Nangona abahlali bekhululekile ukuza kwaye bahambe njengoko kuthanda, uluntu lomhlala-phantsi lubonelela ngeenkonzo ezininzi ezenza ukuba kungadingekile ukuba uqhube kude kakhulu.

Uluntu lomhlalaphantsi lufana nokuhlala ehotele. Kukho ngokubanzi umsebenzi obizwa ngeefowuni ezingama-24 zomhla wokulungiselela ukuhlangabezana nezidingo abahlali abanakho.

Izibonelelo ezikhoyo ziyahlukahluka ngokusekelwe kubukhulu kunye nohlobo loluntwini:

• Uninzi luya kuba nelona gumbi lokudlela apho abahlali banokudla khona.
• Amanye asekuhlaleni umhlalaphantsi anika iinkonzo zokugcina indlu.
• Kuya kuba neziko lokuzihlaziya apho abahlali banokusebenzisana khona.
• Kukho indawo yokufumana impilo apho abahlali banokuthatha iiklasi zonyango.
• Kukho nakwimisebenzi yenkcubeko okanye iiklasi ezifana nokudweba okanye indawo yokudlala.
• Eminye imiphakathi enkulu iya kuba nee-chapels zazo.

Zihlala Zihlala Ziphi?

Imiphakathi yohlala phantsi ihlala kwindawo efudumalayo. EFlorida, eTexas, eCalifornia nase-Arizona zonke ziindawo ezitshisa abantu abahlala kumhlalaphantsi.

Imiphakathi yomhlalaphantsi ihlala iwakhiwa kufuphi nesixeko esikhulu. Oku kwenziwa ukwenzela ukuba abahlali bakwazi ukufikelela kwiinkcubeko, ukuzonwabisa, kunye nokunyangwa kwezokwelapha esi sixeko.

Uluntu lomhlala-phantsi luyakunikela abahlali ngezothutho, ezifana ne-shuttle, kwiindawo ezijikeleze uluntu, njengesixeko. Ukongezelela, iindawo zokuhlala phantsi zihlala zakhiwa ngasekuthuthweni kwezithuthi zikawonke-wonke ukuze abahlali bakwazi ukufikelela kwi-bhasi okanye kwinkqubo yesitimela.

Ngubani ohlala kwi-Community Retirement?

Imiphakathi yomhlala-phantsi ijoliswe ngokukodwa kubantu abadala.

Oku kuthetha ukuba kufuneka ube neminyaka engama-55 okanye ngaphezulu ukuhlala kwindawo yomhlalaphantsi. Nangona kunjalo, ezinye iindawo zokuthatha umhlala-phantsi zivumela abahlali ukuba babe ngaphantsi kweminyaka engama-55 ubudala, nje ngokuba inxalenye ethile, ngokuqhelekileyo i-80 ekhulwini, bonke abahlali baneminyaka engama-55 ubudala. Izilwanyana ezingenanto zingabantu abaqhelekileyo abahlala kwimimhlala-phantsi njengabantu abangabodwa bodwa.

Yintoni iNqanaba leNgeniso?

Imiphakathi yomhlala-phantsi iyenziwe ngabathathe umhlala-phantsi abazinzileyo. Ngokuqhelekileyo ingeniso emaphakathi okanye ingeniso ephakathi. Nangona kunjalo, asemasemsebenzini, ngokunjalo baya kuba ne-income tax fixed of savings to their retirement they are able to survive.

Iintlobo zeeMpahla ezikhoyo

Kukho iintlobo ezithile zezakhiwo zokutshala-mali ezifumanekayo kwingingqi yomhlalaphantsi.

• Amakhaya asekhaya angatshatanga - Wonke umntu ohlala kumhlalaphantsi uhlukile. Abanye baya kwenziwa ngamakhaya angabodwa bentsapho ngaphakathi kwendawo yoluntu. Ikhaya linokuba nedidi encinci kodwa ukugcinwa kwendawo kudlalwa kwintlawulo yomnini wenyanga. Abemi bangakwazi ukuthenga le mizi okanye baqeshise le mizi kuxhomekeke kwizinto abazikhethayo.

• Iikomilini - Olunye uhlobo lotyalo-mali olukhoyo kwicala lomhlalaphantsi ngumkhondom. Akuyunithi ye-standalone. Le yindlu okanye i-suite eyingxenye yenkxalabo enkulu. Zineenkalo ezifanayo njengekhaya elikhulu, njengekicini labucala, kodwa ngokuqhelekileyo lincinane ngobukhulu. Ngokuqhelekileyo babe nebhokisi eliqhotyoshelweyo okanye indawo yangaphandle xa zifumaneka kumgangatho wokuqala. Iikheromini ziyafumaneka ukuthenga okanye ukuqesha.

Okulandelayo: Iinkonzo kunye neNgxowa-mali yokuTyala imali kwimiphakathi yabasebenzi