Kwezinye iimeko, ingeniso kunokwenzeka imali yerhafu

Sonke siyazi ukuba umvuzo esemthethweni ngamnye sihlawula imeko-13% yexabiso. Oko kukuthi, xa lomvuzo amawaka-20. Engange, irhafu yengeniso yethu 2 600 Bon, Kakade, hayi kwanele. Ndingathanda ukufumana konke ezityalwa ngenxa yomsebenzi. Kubonakala ukuba imbuyekezo yerhafu yengeniso yokwenene. Kakade ke, sonke kuhlawulwa umsebenzi ixesha elide akayi kubuya, kodwa ubuncinane yinxalenye mali iya kuba kwi-akhawunti yakho yebhanki. Ke kaloku iinkcukacha zendlela oku kunokwenzeka.

Urhulumente ubuyela abemi-13% yeendleko kuqeqesho, unyango, amagumbi, inshorensi pension ngokuzithandela. Oku kwenziwa phantsi komqathango wokuba ngummi uhlawula irhafu yengeniso. Eneneni, yenza imbuyekezo yerhafu yengeniso ehlawulwa ngexesha inkcitho zidweliswe ngasentla. Kwimeko nganye kufuna ingqalelo ekhethekileyo.

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Ukuba ungummi kangangonyaka lasebenza, irhafu yengeniso kuhlawulwa ngokufanelekileyo kwaye ngaxeshanye wafunda, ufanelwe ukuba ninikwe iphungulwe lwentlalo. It iqulathe ngokucuthwa isiseko serhafu (okt. E. kuba imivuzo nonyaka), athe kufuneka ahlawule 13%. Umzekelo, ukuba umvuzo yonyaka 200 000. Kwimeko njengesiqhelo, irhafu yengeniso iza kuba 26 000 engange. Ukuba indlela engumzekelo kulo nyaka apho iye kuhlawulwa iindleko zoqeqesho-40 000 kwaye isicelo yokutsalwa kwezentlalo, irhafu kufuneka ihlawulwe hayi 200 amawaka, yaye 160 000, yaye oko kuya kuba-20 800. egqithisileyo 5200 ukuhlolwa kwerhafu ziya ukudwelisa i-akhawunti yebhanki emva kokuhlola onke amaxwebhu.

Kubalulekile ukukhankanya i imali yerhafu yengeniso kunokwenzeka kuphela ukuya ku-mali ethile. Lisenze irhafu kunokwenzeka bukhulu uqeqesho ayidluli amawaka 120. Engange. Oku kuthetha ukuba imali likhulu ezinokuthi ukubuyela kulo nyaka yi-15 600 engange. Konke oko lichithwa egqithileyo kulo mali ayisayi kuba imali.

Abazali nabo ukubuyisela ezinye iindleko yokufundisa umntwana. Kodwa kulo mzekelo, lo umda deduction - 50 000 engange, oko kukuthi, kunokwenzeka zokubuyiswa kwerhafu yengeniso kuphela isixa-6 500 engange ngonyaka ngamnye. Ukongeza, kufuneka kuthiwe ukuba imbuyekezo yerhafu kuba minyaka yonke lonke elo xesha lokuba sesikolweni kuwo onke amaziko emfundo, ukuba abe nephepha-mvume yokuqhuba.

Konke oku kusebenza kwezinye iintlobo lotsalo kwezentlalo: inshorensi pension, unyango. Kuphela irhoxisiwe umbundu-50 000 ukuya ukuhlawulela iinkonzo kwisizalwane esisondeleyo. Eliphezulu, kuyo nayiphi na imeko, ngu 120 amawaka. Le Okungumahluko an unyango olubiza kakhulu. Akukho eliphezulu, kunye noluhlu lweenkonzo ezinjalo ugqitywa nguRhulumente.

Tax deduction emva yokuthenga izindlu

Akukho zithandwa kakhulu kwaye olunoluncedo imali yerhafu yengeniso xa uthenga indlu, okanye ekuthiwa-deduction propati. Ilungiselelwe xa kwathengwa isakhiwo engummi sokuhlala. Kwakhona kudlulela ukwakhiwa indlu, ukuthenga izinto zokwakha kunye nolungiso. Kuyavunywa kanye kuphela ebomini bakhe, yaye emva kokuba ukuthenga elinye igumbi engenakwenzeka.

Isixa liphezulu ukutsalwa kwimeko engange kwezigidi ezibini. Ngoko ke, ukuba indlu ixabisa 3 million., Uya kubuya kodwa kuphela 260 amawaka. Faka i ummi unelungelo ngonyaka ngamnye ukuya kutsho kwixesha efana akayi kubuya yonke loo mali.

Nanku umzekelo. Wemali yonyaka amawaka 400. Engange. Le rhafu 52 000 engange. Iindleko zokuhlala ngu-1 yezigidi. Imbuyekezo Total 130 lamawaka. Kulo nyaka mnye, le mali abasayi kubuyela kulo. Oku kuthetha ukuba amaxwebhu ukuze imbuyekezo yerhafu yengeniso ukufake izihlandlo eziliqela. Kunyaka wokuqala nowesibini uya kubuyela 52 lamawaka engange, yaye kunyaka wesithathu - i-26 amawaka engange.