Indlela yokukhulisa imali yakho

INgaba unokuphila ngenzala yotyalomali yemali engangesigidi seerandi ?

Abatyalimali bathanda imali engenayo. Sivuyiswa ngamanani amanqanaba aphezulu, kwaye siwajonga ngokwahlukileyo kwimali esenzayo xa ipotifoliyo yesabelo inyuka ngexabiso. Intlawulo yentlawulo yeR10 000 ifana nemali esinokuyichitha; ukongezwa kwe-R10 000 kwixabiso lentengo yepotifoliyo akusifaki ukuthengisa; kunokusinceda ukuba sithenge ngaphezulu. Ukwahlula kwengqondo ngokuqhelekileyo kuyimpazamo, kuba into ebalulekileyo yimalini onayo kunye nokuba ityala kangakanani, kungekhona ukuba imvelaphi yemali yayinomdla, ukuxabisa kwemali, okanye ukubuyiselwa kwerhafu evela kwiSARS.

Ngokubuyiselwa kwezabelo ezidanisayo kwiminyaka emithathu edlulileyo, abahlanguli baseMzantsi Afrika bafumanisa ukuba inzala efunyenwe kwiibhankithi zebhanki iphezulu kuneentlawulo ezivela kwezinye iiklasi zeasethi (isabelo kunye nepropati). Ngenxa yoko, abaninzi abasindisayo banokufikelela kwimbuyekezo yenzalo ukuze baphephe ukuxhaswa kwiindleko zokuphila ngaphandle kwenkunzi.

Makhe sijonge ukuba yintoni abaninzi abasindayo abanokuyenza ngemali ukuba ukugcina inqununu (okanye ukukhangela ukubuyiswa okuqinisekileyo) yinjongo yakho ephambili.

Makhe sijonge ukuba yintoni abaninzi abalondolozi abanokuyenza ngemali ukuba ukugcina inkunzi (okanye ukukhangela ukubuyiswa okuqinisekileyo) yinjongo yakho ephambili.

Gcina kwiDeposit esisigxina

Umyinge oqhelekileyo wamanani kwiimali ezikhoyo kuzo zonke iibhanki kunye nabanikezeli benzala: yi-8.2%. Eli nqanaba lenzala lizinga elilula, elingenakunyanzelisayo. Oku kuthetha ukuba ufumana inzala ye-8.2% kwixabiso lemali-mali yasekuqaleni, utshintshile, unyaka ude ukhule, apho ufumana khona imali yakho. Akukho nzala etsalwayo. Inzala ethe xaxa ithetha ukuba ufumana inzala kwinzala. Kwi-8.2% inzala, uqokelela i-R6, 833 ngenyanga okanye iR82, 000 ngonyaka. Ngaba oku kukhulu? Kunzima ukugqiba ukuba oko kwanele okanye akunjalo ngaphandle kokuhlalutya kweemeko zakho kunye nenkcitho.

Xa uqwalasela iimeko zemarike zangoku, kuyaqondakala ukuba abanye abalondolozi babefuna ukubeka imali kwisisombululo esisigxina kodwa ngaba isicwangciso esilungileyo? Impendulo iyinkimbinkimbi kunokujonga nje inzuzo. Inzuzo yokubuyisa imali kufuneka iqwalaselwe kunye:

* Ukubuyiswa kokwenyani ekutyalweni

* Uphuhliso lwentlawulo lwakho lotyalomali

* Iinjongo zakho zophuhliso

Okwangoku, makhe sigxininise kwiimeko esiza kuhlangabezana nazo ngethuba elinye xa sityala kwisisombululo esisigxina.

Ukuqonda impembelelo yokunyuka kwamaxabiso

Umngcipheko omnye abantu abahlala bewulibale ngengozi yokuba imali yabo etyalomali ayiyi kukhula ngokwaneleyo ukuqhubeka nokunyuka kwamaxabiso. Ixesha liyakucima ixabiso lemali yakho, likushiye ukwazi ukuthenga ngaphantsi kwemali efana. Ixesha liyakucima ixabiso lemali yakho, likushiye ukwazi ukuthenga ngaphantsi kwemali efana. Oku kuthiwa ngamaxabiso. Imbuyekezo ekutsalweni kwakho kufuneka ibe ncinane ngokwaneleyo ukuhlawulela ubude bexesha lotyalomali ukuze ixabiso lemali yakho igcinwe. Xa kuhlolwa impumelelo yotyalomali ekukhuseleni nasekukhuleni ubutyebi, kubalulekile ukuqwalasela ukunyuka kwamaxabiso.

Indlela ebaluleke kakhulu yokulinganisela ubutyebi ngokuphathelele ukuthenga amandla, ngokuchasene nenani lemali. Ngoko ke, xa uvavanya inzuzo yakho, jonga ‘ukubuya kwangempela’, okuyiyo ukubuya kwakho emva kokunyuka kwamaxabiso, kungekhona ‘ukubuyiswa okukhethiweyo’, okuyiyo ukukhula kotyalomali phambi kokuba umphumo wexabiso lokunyuka kwexabiso liqwalaselwe. Inzala yeR82, 000 ngonyaka ayilungiswanga ukunyuka kwamaxabiso. Ukuthatha u6% wokunyuka kwamaxabiso (umyinge we-S.A), kwiminyaka emihlanu ehlawulwayo iya kuxabisa i-R61, 275 – kunye nenqununu yakho eyi-R1 iyakufaneleka malunga no-R747, 258.

Indlela yokwenza ingqiqo yerhafu kwi-deposit esisigxina

Irhafu ehlawulwayo inokuchaphazela enkulu ekubuyeni kwakho ngexesha. Nangona ungeke wenze izigqibo zokutshala imali ngokusekelwe kwerhafu yodwa, yinto enokungahoywa. Imbuyekezo kwi-deposit edibeneyo ifom ye-interest apho uya kuhlawula irhafu malunga nemali ezuzwe ngaphezulu kweR23 800 ngonyaka xa uneminyaka engaphantsi kweminyaka engama-65 (ngonyaka wama2018/2019) okanye iR34, i500 yakho ingaphezu kweminyaka ka65 (ngonyaka wama2018/2019). Irhafu yakho kwinzala ibalwa ngolu hlobo lulandelayo: R82, 000 ngaphantsi kwe-R23, 800 ukukhululwa komnyaka = R58, 200. Ngokusekelwe kuloku kubalwa, kufuneka uhlawule irhafu kwixabiso leR58, 200 ngokusekelwe kwinqanaba lakho lentlawulo.

Qonda iinjongo zakho zokutyala imali

Eli lixesha elifanelekileyo lokwenza ulwahlulo phakathi kotyalomali nokugcina. Abantu bavame ukusebenzisa le migaqo ngokungafaniyo, kodwa kukho umehluko phakathi kokusindisa notyalomali. Ukulondoloza kubhekisela kwingeniso engasetyenziswanga. Kukho iindlela ezahlukeneyo zokwenza oku, ukususela ekubekeni imali yakho kwiakhawunti yediphozithi ebhankini, ukuyifihla kwikawusi phantsi kwebhedi yakho. Ekugqibeleni, utsalomali xa uchitha imali yakho kwizinto ezithembisa ukuza kubuya kwixesha elizayo. Uluhlu olukhulu – ngelixa ukonga kungabonakali, utsalomali lubeka imali yakho yokusebenza. Ukuba, ngokomzekelo, iinjongo zakho kukugcinwa kwenkunzi kunye nokufikeleleka kwemali kwisaziso esifutshane ukulungiselela iimfuno zexeshana, ngoko umkhiqizo osindisayo ungumveliso ococekileyo.

Utyalomali lwentlawulo epheleleyo luya kunceda abaninimali.

Isiphambili sithembele ekuwamkeleni ukuba ulwahlulo olubanzi ngokubanzi phakathi kwemali engenayo kunye nenkunzi ngumgaqo ongalunganga. Intlawulo yenkcitho enokunikezelwa kotyalomali inokuxhaswa kuxhomekeke ekubuyiselweni okupheleleyo okuveliswe ngotyalo-mali ngokuhamba kwexesha, kungekhona ukuba imbuyiselo izuzwa ngendlela yentlawulo yengeniso okanye ukuxabisa okukhulu. Emva kokuba uyamkela le nyaniso, usemgangathweni ogqithisiweyo wokunika imali ngokubaluleka kwaye ngokuhambelana neemfuno zakho kunokuba uzama ukugcina ‘imali yokufumana ingeniso, kungekhona inkunzi’. Ukuqwalasela into efanelekileyo yokuvelisa iinjongo ezifanelekileyo kwiinjongo zakho kufuneka kube yinkalo ephambili kuyo yonke ingqondo yotyalo, kungekhona ukuba iimbuyekezo zifumene ngendlela yengeniso okanye ukukhula kwemali.