Umxholo
- Umzekelo
- Ukucwangciswa kwezindlu kunefuthe kubantu abatshatileyo abahlalisanayo
- Ukucwangciswa kwezindlu kumaqabane angatshatanga vs.
- Iingcebiso zocwangciso lwezindlu kwizibini ezingatshatanga
- Iingcebiso zokucwangciswa kwezindlu kubantu abatshatileyo abahlalisanayo
Ukuhlala kunye phakathi kwabantu abangatshatanga iyakhula. Ngaba kubalulekile ukuba abantu abatshatileyo abahlalisanayo babe nesicwangciso sokuhlala?
Ucwangciso lwezindlu kufuneke Ku ngononophelokuthathelwa ingqalelo nawuphi na umntu omdala ukucinga ngekamva labo kunye nelifa labo, utshatile okanye awutshatanga.
Uninzi lwemithetho "engagqibekanga" yocwangciso lwezindlu yamkelwa ngexesha apho ukuhlala ndawonye kwakungaqhelekanga. Ngenxa yoko, ezi imithetho ihlala iqwalasela i umdla weqabane elisaphilayo kodwa ungathatheli ngqalelo iqabane elingatshatanga.
Oku kuyayihoya into yokuba abantu abatshatileyo abelana kunye babelana ngezinto ezininzi ezixhalabisayo njengezibini ezitshatileyo. Kuya kubakho ucwangciso olusisiseko lwearhente kwizibini ezingatshatanga kuba zidlala indima efanayo naleyo idlalwa zizibini ezitshatileyo kubomi babo bemihla ngemihla.
Umzekelo
Ukuba elinye iqabane liswelekile, elinye iqabane linokushiywa nemali mboleko, iindleko ezingahlawulwanga, okanye iindleko zokukhathalela abantwana. Ukuba abatshatanga, iqabane elisaphilayo alinakuba namalungelo okufumana nantoni na kwiqabane elingasekhoyo.
Oku kwahluke mpela kwiziphumo ukuba batshatile, apho imithetho yenzelwe ngokukodwa ukuqinisekisa ukuba iqabane elisaphilayo lixhamla ekuncedeni.
“Mna nenkosikazi yam sade sayiqala incoko ngaphambi kokuba sitshate, kodwa sasingazi ukuba masiqale ngaphi. Sesinye sezizathu zokuba sonwabile ukuba siqale iTrust & Will, sizisa ucwangciso lwezindlu kwiminyaka yedijithali, ngemveliso ekulula ukuyifikelela. ”
Ukucwangciswa kwezindlu kunefuthe kubantu abatshatileyo abahlalisanayo
Ukuba nala maxwebhu akhoyo kunokunceda ekucaciseni ukuba ngubani onokukwenza izigqibo ngezemali nakwezonyango ukuba awukhubazeki. Ngaphandle komyolelo, imithetho yelizwe iya kwenza umnxeba, onokuthi ubonakalise okanye ungabonisi iminqweno yakho yokugqibela.
Umtshato ubonelela iqabane ngalinye ngamalungelo athile angenalo iqabane elingatshatanga.
Ngaphandle kwelungelo ukuya fumana iiasethi kwilifa, ezi amalungelo kanjalo zibandakanya ilungelo loku yenza izigqibo zonyango, ilungelo rqaphela ukuhlaziywa kwezonyango kwaye ukunxibelelana noogqirha, kunye nelungelo lokwenza izigqibo kumalungiselelo okugqibela kunye nemiyalelo yokungcwaba.
Abantu abatshatileyo abahlalisanayo abangatshatanga kufuneka babenamaxwebhu ocwangciso lwezindlu ukuze benze la malungelo njengoko engabonelelwanga phantsi kwemithetho esele ikho.
Ukucwangciswa kwezindlu kumaqabane angatshatanga vs.
Ngoku amanqaku aphambili ekuxoxwa ngawo apha- acwangciswa njani amafa ahlukeneyo kwizibini ezitshatileyo kunye nabantu abangatshatanga? Ngaba zikhona iindidi zezicwangciso zelifa ekufanele ukuba izibini ezingatshatanga ziqwalasele? Kukuthini ukucwangciswa kwempahla ekufuneka ube nayo kwizibini ezingatshatanga
Kulula ukuyicinga loo nto Ukucwangcisela ilifa kuphela kwizibini ezitshatileyo kuba banamaqabane axhomekeke omnye komnye. Ukuba awutshatanga, uya kufuna ukuba nomnye umntu enze izigqibo zemali kunye nezonyango endaweni yakho ukuba abakwazi ukwenza njalo.
Kuyafana nakwimpahla yakho xa ungenaseti icacileyo yabaxhamli (njengeqabane lomtshato okanye abantwana).
Kunokubakho umohluko phakathi kwabo betshatileyo nabatshatileyo ngokuhlala bengatshatanga, ngakumbi kumanqanaba aphezulu eeasethi.
Kwinqanaba laso, uninzi lweenjongo ziyafana -
- Ufuna ukuba nesicwangciso endaweni
- Bonelela abo ubathandayo abasaphilayo kuwe, kwaye
- Yenza inkqubo ibe lula kubo
Ezi Iinjongo ezingundoqo Ngokwesiqhelo hlala uyinyani ye nokuba yeyiphi utshatile okanye izibini ezingatshatanga.
Kukho ezinye izinto eziqwalaselwayo, ngakumbi ngokwanda kwamanqanaba eeasethi.
Ezinye iintlobo zeetrasti ingakuvumela Chaza ukuba njani eyakho asethi ziyasetyenziswa. Le yinto edlalwa ngabantu abafuna ukuqiniseka ukuba yeyabo asethi ziyasetyenziswa kumaqabane abo kunye nabantwana babo kwaye ayiphambukiselwanga kwinzuzoye umtshato kamva okanye kutshata kwakhona.
Ukusuka kumbono werhafu, kunokubakho ukwahluka kwempahla kunye nokuqwalaselwa kwerhafu yesipho kubantu abatshatileyo ngokuchasene namaqabane angatshatanga, ngakumbi ngamanqanaba eeasethi kakuhle kumantla e-5,000 yeedola.
Iingcebiso zocwangciso lwezindlu kwizibini ezingatshatanga
Uninzi lwe Izikhuthazi eziphambili ekucwangcisweni kwezindlu unako zikhona nokuba ubuphi na ubume bomtshato-ukuba nabantwana, ukuba nomzi okanye ezinye izinto ezinokuthengiseka, ukuba nabantu obathandayo ofuna ukubanakekela.
Wonke umntu kufuneka abe nesicwangciso endaweni yakhe.
Nokuba ngubani umntu onokuqala inkqubo kwaye bazenzele ezabo izicwangciso. Akunyanzelekanga ukuba ibe yinto eniyenza nobabini ngexesha elinye. Ukuba omnye wenu ukhuthazekile, thatha amanyathelo. Mhlawumbi izokunceda khuthaza omnye ukuba enze njalo.
Imithetho ayikhuseli abantu abatshatileyo abahlalisanayo ngendlela efanayo njengoko ikhusela izibini ezitshatileyo.
Oku kunokudala ukungqubana emthethweni kukhetha omnye umntu ngaphandle kweqabane elingatshatanga, elinokuthi likhokelele kwimpikiswano nasekumangalelaneni. Ingakumbi kubalulekile ukubeka isicwangciso endaweni kuba awunakuthembela emthethweni ukwenza into obungathanda ukuba yenzeke.
Kukwabalulekile ukuba qiniseka ukuba isicwangciso sakho sibhaliwe njengeqabane elingatshatanga alinakubanakho ubuchule obufanayo njengeqabane lokuqhuba isicwangciso esingabhalwanga.
Utshintsho kwisimo somtshato lixesha lokuba uphinde uphinde ujonge izicwangciso ezikhoyo.
Utshintsho lunokuchaphazela amalungelo iqabane ngalinye elinalo. Olu tshintsho lunokuchaphazela ezinye izibonelelo ezikhoyo, kubandakanya i-401 (k) izicwangciso. Nokuba ucinga ukuba yonke into yindlela oyifuna ngayo, ukutshata unokugqitha amagama akho kunye ukuvelisa iziphumo ezahlukileyo.
Iingcebiso zokucwangciswa kwezindlu kubantu abatshatileyo abahlalisanayo
Kukho iingcebiso kwizibini ezingatshatanga ngendlela onokuthetha ngayo malunga nokucwangcisela ilifa.
Yenye yeencoko 'zokuba mdala' ongafuniyo ukuba ubenazo kwindawo yokutyela, kodwa yingxoxo ebalulekileyo ukuba ubenayo ekhaya kunye nomxholo ofanelekileyo.
Ukuba 'nentetho' ejikeleze iiakhawunti zebhanki ezidibeneyo, i-inshurensi yobomi, kwaye kunjalo, nokucwangciswa kwemihlaba, kulula ukuyicinga njengendawo ekude engenakho ukwenzeka kuwe.
Akunyanzelekanga ukuba ube nentetho enye ende yokugubungela zonke iinkcukacha ngaxeshanye. Thatha nje isiqwenga esinye ngexesha ukuze kungoyiki kangako. Ukubuza ukuba "uyafuna ukuhlala kwinkxaso yobomi" okanye "ufuna ukutshiswa" inokuba sisiqalo esihle kwaye kunokuba lula ukusonga xa uqala ukukhathazeka.