Xa usondela kwixesha lokuthatha umhlalaphantsi, emva kokuqhela ukufumana umvuzo ubomi soze bufane. Kodwa ngenxa yeemfanelo zemihla ngemihla kunye nezinto eziphambili nezibalulekileyo zemali, unokukhawuleza ukulibala ukucwangcisa ubomi emva komhlalaphantsi.
Ukuba uqala ukucinga ngokucokisekileyo malunga nokuthatha umhlalaphantsi, le mibuzo iyakunceda xa ugqiba ukuba ulungele:
Unemali eyoneleyo yokuthatha umhlala phantsi kusini na?
Sikholelwa ukuba akukho “nombolo yomlingo” esebenza kuwo wonke umntu. Wena ungumntu ngamnye kwaye imali efunekayo xa uthatha umhlalaphantsi ifika kwizinto ofuna ukuzenza. Kungathaliseki ukuba zeziphi izicwangciso zakho, yinto efanelekileyo ukuxoxa ngezicwangciso zakho zomhlalaphantsi kunye nomcebisi wezemali. Emva koko, kunye nokwenza umgomo wokwenene, uze ubale “inombolo yakho.” Ngale ndlela, uya kuba nombono ongcono wecebo lokuthatha umhlalaphantsi.
Ngaba ukulungele ukulibaziseka kwiintlawulo zomhlalaphantsi wakho?
Sinceda amakhulu abantu abathatha umhlalaphantsi kunye nabo baqokelele amava awaneleyo malunga nenkqubo ekufuneka ilandelwe ukuze kuphephe ukuhlawulwa kweentlawulo esuka nokuba kweyiphi na ingxowa-mali yomhlalaphantsi, ngokukodwa imali ehambelana noorhulumente, ngokuqhelekileyo ukuba nethuba lomlawuli umngeni. Ezi zilandelayo zezona zizathu ziqhelekileyo ezibangela ukulibazisa kwentlawulo;
* Ukungangenisi isaziso sokuxhoma ibhatyi okanye umhlalaphantsi ngexesha. Kukhethwa ukuyeka phantsi kweenyanga ezintathu phambi komhla wokugqibela wokuqeshwa kwakho.
* Ukuzalisa ngokuchanekileyo onke amaxwebhu afanelekileyo okurhoxiswa kweenzuzo okanye ukudluliselwa kwisisombululo sesiphumo somhlalaphantsi, okanye ukugcinwa xa kunqunyulwa. Amaxwebhu kufuneka agqitywe ngokuchanekileyo ukuze aphephe ukubuyelana phakathi kwabalawuli. Oku kudla ngokukhathazeka kakhulu kwiGEPF yethu kunye nabanye abaxhasi beParastatal abahlala benamathela ixesha elide kunabo baxhamli bezobucala ukuba bafumane inzuzo.
* Ukufumana isiluleko esifanelekileyo malunga noko ukhetho lwangoku kumsebenzi. Abanye abantu batshintsha iingqondo zabo phakathi kwenkqubo xa bebona ukuba ukhetho lwabo lokuqala luya kubabiza irhafu eninzi ngomzekelo. Oku kuthetha ukuba kufuneka baqale inkqubo yonke ukususela ekuqaleni, bongeze ezinye iinyanga ezimbini kwixesha lokulinda. Sisoloko sicebisa abaxhasi bethu phambi kokuba benze ukhetho olulungileyo kubo.
Yeyiphi imveliso yomhlalaphantsi efanelekileyo kuwe?
Xa uthatha umhlalaphantsi kwingxowa-mali yomhlala phantsi, uvumelekile ukuba uthathe inxalenye yemali yakho eyinkunzi. Ngenye yemali, kufuneka uthenge iAnnuity. Ungatyala imali phakathi kwenyanga eqinisekisiwe kunye ne-Annuity ephilayo. Ukhetho phakathi kweemveliso ezimbini luya kugqitywa ngemibandela eyahlukeneyo: ngaba ufuna ukuguquguquka? Ingeniso yakho efunekayo, njl njl. Umcebisi wezezimali unokukunceda ukhethe phakathi kwemveliso yomibini. Ufuna ukuqinisekisa ukuba ingeniso yakho ihlala ixesha elide, kwaye usenako ukuthenga iimfinombo kwixesha elizayo.
Ngaba unakekela abantwana okanye abazukulwana?
Ukuba unabantwana ekhaya okanye kwenye imeko, ujongene nezinto ezibalulekileyo. Ukuba usasondeza umntwana, kuya kufuneka ubeke phambili iinjongo zomhlalaphantsi kunye nokuhlawula imfundo. Khumbula, kukho iindlela zokulinganisela iinjongo zokulondolozwa kwemfundo kunye nomcebisi womhlalaphantsi ucebisi uhlakulele izicwangciso – ngokusekelwe kwiimeko zakho kunye nemifanekiso yezemali yangoku – ukujongana nazo zonke iinjongo zakho zemali.
Zeziphi iingozi ezinkulu kumhlalaphantsi wakho?
Ungaphila ixesha elide kunokuba ulindele, ube nesigulo esipheleleyo okanye uxanduva lwakho olungalindelekanga lwakho konke oku kukubeka emngciphekweni loxinzelelo kwimithombo yakho yemali.
Ubungozi bokuhlala ixesha elide
* Musa ukuthatha ixesha elininzi kutyalo-mali (Investment) lwakho. Faka imali eceleni.
Iindleko zokunakekelwa kwezempilo ezingalindelekanga
* Uhlahlo lwabiwo lweendleko zonyango lwangexesha elide nangona ungalindela ukuba uyakufuna kwikamva elikufutshane.
Ngaba ilifa lakho ulibhale phantsi?
Ukuba ufuna ukuqinisekiswa ukuba umnqweno uya kudibana emva kokufa kwakho, ngoko kuyakubakho intando. Ukuba uyafa ngaphandle kwelifa elibhaliweyo (Will), urhulumente uthatha imicimbi yakho kwaye unokukwenza izinto ngemali yakho echasene neminqweno yakho. Ukuba nenjongo kunye nokucwangcisa ukukhusela nokulawula ubutyebi bakho yenye yezinto ezibaluleke kakhulu oza kuyenza.
Nxibelelana neqela le-Inkunzi Wealth kwi-087 160 0018, okanye thumela i-imeyile
kwi-invest@iwgsa.co.za.
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