Ingxowa yerhafu yincitshiswa yengeniso ehlawulwa irhafu ngokuthatha inqununu evumelekileyo engenayo imali engenayo. I-AccountingTools ithi inkokhelo yerhafu "ukusetyenziswa ngamabango kwiindleko zerhafu ukuhlawula imali engenayo." Nangona iikhokheni zerhafu zingasetyenziselwa ukugcinwa kwentela kwiimbuyekezo zentlawulo kunye nezoshishino, eli nqaku lijolise kwiinkcukacha zokhuseleko zorhwebo.
Ziziphi ezinye zeMpawu zeSikhuselo seRhafu?
Iinqwelo zerhafu ziquka utyalo-mali kunye nokuthengwa kweerhafu.
Ezinye izibonelo eziqhelekileyo ziquka:
Ukukhutshwa kweendleko zonyango kubantu ngabanye. Ukuba iindleko kwiindleko zonyango zikhulu kunomdiselo oqhelekileyo, iindleko ezingaphezu kwemali zithengiswa irhafu. Ukuba ucinga ngokuhlinzwa okukhulu, umzekelo, unokufuna ukubheka ukuba ufuna i-shield yerhafu ngonyaka omnye, ukuhlawula imali engenayo engenayo.
Ukuncitshiswa kwezenzo kubantu ngabanye kunye namashishini. Ukunikezela ngokuzinikela kuyindleko ehlawulelwayo kubantu kunye namashishini. Ukuze umntu athathe irhoxiso yerhafu kwi-charity giving, kufuneka athathwe. Amaziko angabandakanya iminikelo yokunceda kunye nemida kunye nemingcele.
Imboleko yintengiso yeklasi yeklasi kunye nabantu kunye namashishini . Qaphela ukuba akusiyo isixa semali yokubambisa imali echithwayo; yindleko yenzalo.
Amashishini angathatha ixabiso lokunciphisa ukuthengwa kwepropati yezoshishino, kubandakanywa izixhobo, ifenitshala kunye nezixhobo, kunye nezithuthi (kodwa kungekhona umhlaba).
Ukunyuka kwexabiso kuyindlela yokusasaza iindleko zokuthenga i-asethi yoshishino phezu kobomi baloo asethi. Ukunciphisa ukukhawuleza kukuvumela ukuba uhlawule ixabiso lexabiso lempahla kunyaka wokuqala okanye ezimbini, kwaye ngumzekelo omkhulu wokhuseleko lwentela. Iintlobo ezimbini zokunciphisa ukukhawuleza yiindleko zeCandelo 179 kunye nokunciphisa ibhonasi.
Ukhuseleko lweRhafu lugcine njani kwiNtlawulo?
Iinqwelo zentela ziyinxalenye yesicwangciso- mali sobonke. Khangela ngale ndlela: Njengomntu okanye ishishini, unokufumana ukuncitshiswa kwentela kwiintlobo ezithile zokuthenga kunye nemisebenzi. Unokwenza oku ngengozi, ukuthenga nantoni na oyifunayo nanini na xa ufuna. Okanye unako ukusindisa kwiirhafu ngokuzenzekelayo ngokucwangcisa ukuthenga ukuze usebenzise iinqwelo zerhafu.
Ngokomzekelo, ishishini ligqiba ukuqeshisa isakhiwo okanye ukuthenga isakhiwo. Ukuthatha imali yokuthengwa kwesakhiwo bekuza kudala ukhuseleko lwentela ngenxa yokuba inzala yomhlalaphantsi ichithwa. Ukuba ishishini libeka inzuzo yengxowa yerhafu kwi-mortgage kwisigqibo, inzuzo yerhafu ye-mortgage ingenza isigqibo sibe lula.
Ziziphi iiNzuzo zoKhuseleko lweRhafu?
Iingxowa zerhafu ziyinxalenye yesicwangciso-mali sobume bamashishini. Iikhephe zerhafu
- Ukwandisa iindleko, kodwa zingaphantsi kwemali engenayo.
- Ukunciphisa imali kwizandla, kodwa bafaka imali kwimali-mali eyenza ukubuyiswa okuphezulu.
Ingxowa yerhafu iphinda ikhulise ixabiso le shishini , ebalulekileyo xa ufuna ukuthengisa ibhishini lakho okanye ukufumana iimboleko kunye nabatyalo-mali.
Ndingayenza Njani Ixabiso leSikhuso seRhafu?
Ixabiso leengxowa zerhafu lixhomekeke kulo
- Ireyithi yentlawulo efanelekileyo yoshishino
- Isixa sokuncitshiswa
Ukubala okulula kukuba kuthathe umlinganiselo wokuncitshiswa kwonyaka kwaye ukwandise ngentlawulo yerhafu yomntu okanye ishishini. Ngokomzekelo, ukuba ulindele inzala kwimali yokuboleka imali ibe yi-1200 yee-year ngonyaka, kwaye izinga lakho lokurhafu li-20%, isixa senkokhelo yentela siyi-$ 240. (Se benzisa la manqaku ukufumana nokubala intlawulo yerhafu yenkampani kunye nomyinge werhafu lomntu wonyaka okhoyo.)
Njengoko uhlola iingxowa zerhafu, thelekisa ixabiso leenkokhelo zerhafu ukususela kunyaka omnye ukuya olandelayo. Ukuba ishishini lakho liza kufumana umvuzo ophezulu kunye nentlawulo ephezulu yerhafu ngonyaka owodwa, inani lemali yokulondoloza irhafu liya kuphakama ngaloo nyaka.
Ingxelo ye-2017 yoTshintsho lweRhafu ifuthe njani kwiSikhwama seRhafu?
Isicwangciso soTshintsho lwentlawulo yeThutho (sisenjenje njengalo mbhalo) siya kunciphisa ihluthwayo kwi-mortgage interest for higher mortgage, kwaye inokuchaphazela imali mboleko yemakhaya.
Ndingayifumana njani inzuzo yeSihlangu seRhafu?
Indlela engcono kakhulu yokwandisa iirhafu zokulondoloza irhafu yokhuseleko lentela kukuthatha "umphumo wokhuseleko lwentela" ekuqwalaselwe kuzo zonke izigqibo zezemali zoshishino. Ngokuqinisekileyo, ukugcinwa kwentela akufanele kube yimibuzo kuphela xa uceba isicwangciso sakho serhafu sonyaka, kodwa ukushiya iikhoksi zerhafu ngaphandle kwenkqubo yokucwangcisa kunokunciphisa ixabiso lebhishini lakho kwaye ushiye imali kwitheyibhile, ukuthetha.
Musa ukulinda ukuphela konyaka ukwenza isicwangciso sakho serhafu; ezinye iinqununu (njengokunciphisa) zihlaziywa ngonyaka, ngoko awuyi kuzuza imali eninzi xa uthenge emva konyaka.
Ingcali efanelekileyo yengxelo inokukunceda ukwandisa iikhoksi zerhafu nokunciphisa irhafu.