Irhafu yokuthengisa

irhafu Sales kubandakanya olu hlobo irhafu apho isohlwayo kwenziwa ngqo kubathengi ngalo ixabiso leempahla. isixa yokubala serhafu ngokusebenzisa umyinge wenzala yexabiso imveliso okanye inkonzo ecetywayo. Kakade ke, njengawuphi na umthetho, kukho iimeko, yaye isambuku yonke imveliso kukho uluhlu okhethekileyo, nto leyo ngokuxhomekeka kwirhafu yokuthengisa.

Abakhoyo imithetho yasekhaya likwenza kucace imithetho yayo yokubala. Kukho ezimbini ezinokwenzeka: nokuba irhafu yentengiso ifakiwe kwixabiso kwempahla ngqo eyakha ngentengiso ukwabiwa, okanye recovery lwenziwa endaweni iimveliso, ngqo ngumthengisi. Kodwa ke, kuyo nayiphi na imeko, umboleki uhlawula nomakhi wayo, nevuthisayo, ke, linyanzelekile ukuba ukudlulisela imali efunekayo kule mali efanelekileyo fund.

Ukuba izivumelwano intengiso ababandakanyekayo umntu wesithathu, oko kukuthi, umthengi ayikho ngumsebenzisi, kwaye ufumana impahla ngenjongo yokuthengisa kwakhe ngakumbi ngokwemiqathango kakuhle, ngoko kuyimfuneko ukuba zinike ebizwa ngokuba yi-isiqinisekiso zokuthengiswa. Oku kwenza ukuba umthengi ayihlawuli irhafu yentengiso, uze siyifake kwamaxabiso eemveliso ezithengiweyo.

Ngelo xesha, ngokungqinelana nemigangatho zomthetho, i Mhlawuli uthathwa ukuba abe ngumntu ngokusemthethweni, oko kukuthi, amashishini, imibutho kunye namaziko, kwakunye nesebe labo ezingamalungu. Izinga lerhafu tiyimisele kuphela ngamaqumrhu abagunyazisiweyo karhulumente kwaye luwise umthetho. Njengoko umthetho, ubuninzi wenzala besukelana-5%.

Phantsi kwiziko ngokuxhomekeka kwirhafu, ithetha zizo zonke iimpahla ezikhutshiweyo, eliguqulelwe ngokuthi, usebenza iinkonzo. Olubalo zingenziwa ngokusebenzisa imali, kwakunye ekwimo non-cash yi ukunwenwa credit cards kunye nezixhobo intlawulo ngetshekhi, imali imiyalelo, njl Xa ukuphunyezwa unaniselwano, oko kukuthi, xa elinye yorhwebo sona kwaneso omnye okulingana, kuthathelwa ingqalelo irhafu.

Xa sincokola ngayo ingeniso evela kwintengiselwano real estate, kwimeko apho umyinge wenzala kunye accrual imithetho zahluke kancinane. Irhafu kwi nokuthengiswa kwempahla busenza ukuba ubukho ezinye izibonelelo kubantu bathengise impahla yabo okokuqala, ekubeni ayichatshazelwa kakhulu intlawulo. Kodwa a intengiselwano elandelayo zokuthengisa impahla Mhlawuli luyafuneka ukuze iintlawulo zerhafu karhulumente ngokupheleleyo. Ukuba ixabiso indawo yokuhlala loo nto engange ngaphezu kwesigidi, irhafu kwakhona singabalelwa.

Ukuba Umhlawuli nomdla umbuzo yintoni irhafu yentengiso kwi yokuhlala kwakuza kufuneka ukuba ahlawule, kuyimfuneko ukuhlola ixabiso lepropati. Oku kungenxa yokuba amazinga umahluko, yaye, ke ngoko, kuxhomekeke kubungakanani ngokwengeniso ayizuzileyo. Kukho ikho into ukuxhuzulwa irhafu. Ukuba ixabiso lwezindlu ingadluli engange kwezigidi ezibini, umhlawuli werhafu unelungelo ukuba kutsalwe ukusuka imali yerhafu ihlawulwe. Ngokuqhelekileyo, intsalela ebalwa ngokususela kwi-13% izinga. Ilungelo irisithi yayo ezinikwa Mhlawuli kanye kuphela.

Nangona ukungena ngokungenamkhethe isamba mali kwi-mali, irhafu yentengiso ithathwa irhafu kwi ixabiso. Esi sigqibo senziwe ngenxa kumazwe angaphezu kwama-140 yoluntu lwehlabathi. Noko ke, amaMelika kulo mba kwakukho abo babebambelele, kwaye zisasebenzisa kuso irhafu yokuthengisa. Inkoliso Osoqoqosho bathi lo ndawo azizinzanga kuba engaphenduli nempembelelo entle kwezoqoqosho.