Ngelixa zimbalwa kakhulu iimali mboleko ezithengiswa ngokukodwa kubantu abadala, kukho imveliso yeemali-mboleko efumaneka kuphela kubantu abadala abaneminyaka ethile. Abantu kwimivuzo engagungqiyo - ephezulu okanye ngenye indlela-baya kufumana umngeni wokuvunyelwa uninzi lwemali mboleko yemveli.
iziselo zokwenza nge-malibu rum
Ukubuyela umva kubambiso
Eyona mboleko ithandwayo ngokukodwa kubantu abadala yiukubuyisa umva kobambiso, ekwabizwa ngokuba yimali ebolekayo yobulungisa ekhaya. Ukubeka ngokulula, ukubolekwa kwemali mboleko okuphambeneyo kuyisebenzisaubulungisaekhaya; umboleki ufumana intlawulo yenyanga okanye isixa-mali. Ifumaneka kuphela kubanini bamakhaya abaneminyaka engama-62 okanye ngaphezulu, imali efunyenwe kwimali mboleko ebuyisiweyo ayihlawuliswa rhafu njengemali engenayo, kwaye ikhaya lihlala ligama lakho.
Amanqaku afanelekileyo- Abemi abaDala
- Iinwele ezithandwayo zeenwele zesilivere
- Iindlela zokuLungisa iinwele zaBadala
Iinkonzo zokuBuyisa imali mboleko
Isibonelelo esicacileyo semali mboleko ebolekiweyo kukuba ibonelela ngemali ngaphandle kokuba umboleki efuna ukwenza intlawulo yenyanga kwimali mboleko. Imali-mboleko ayihlawulwa ade abhubhe umboleki okanye athengise indlu, ke oko kubaninimzi abaphezulu kuingeniso esisigxina, iimali ezivela kwinto ebolekwe ngasemva zinokunceda ukunciphisa iimali zabo kwaye zibenze ubomi bube lula ngakumbi.
Bendlela yokuBuyisa imali mboleko
Ikhaya elinemali mboleko ebolekiweyo ayinakushiywa kubaxhamli ngaphandle kokuba ihlawulwe imali-mboleko, ke abantwana okanye ezinye izalamane azinakulidla ilifa ikhaya. Olu hlobo lobambiso lusebenzisa ukulingana ekhayeni, nto leyo enciphisa ubutyebi bomboleki kwaye yenza ukuba ukulingana kungabi nakusetyenziswa kwixesha elizayo. Kukho ezinye zeefizi ezinxulunyaniswa nokubambisa okungahambelaniyo, okuninzi njengemali mboleko yendabuko, enjeiifizi zokuqala, kwaye kwezinye iimeko,i-inshurensi yobambiso.
Izithintelo zokuBuyisa imali mboleko
Ikhaya kufuneka libe yindawo yokuhlala yabadala kwaye kufuneka ukuba ikwimeko entle. Ababoleki mabaye kwintlanganiso kunye no Umcebisi we-HUD ovunyiweyo ngaphambi kokuba bafumane imali mboleko yokubuyela emva. Ababoleki kufuneka bakulungele ukufumana le mali mboleko; Kuya kufuneka babonakalise ukukwazi ukuhlawula irhafu yepropathi,i-inshurensi, kunye nokugcinwa kwekhaya.
Imali mboleko yoMtyikityo
Utyikityo lwemali mboleko - okanye iimali mboleko ezingakhuselwanga- kunokuba nzima ukufumana imvume ngaphandle kwengeniso ethe rhoqo. Abo bakukhuseleko lweNtlalontle okanye umvuzo wepenshini banokukwazi ukufumana imali mboleko ukuba umlinganiselo wabo wetyala-kumvuzo uphantsi kwaye amanqaku abo etyala aphezulu; Qaphela ukuba IKhomishini yoRhwebo kaRhulumente unemithetho endaweni yokukhusela abantu abadala ekungavunyelweni imali-mboleko esekwe kubudala kuphela.
iindlela zobuchule zokuphelisa ileta
Iinkonzo zeMali-mboleko yoTyikityo
Utyikityo lwemali mboleko lunokuba nenqanaba lenzala ephantsi, kuxhomekeke kwiziko lezemali nakwinqanaba letyala lalowo ubolekayo. Yindlela elungileyo yabantu abadala ukuba baboleke isixa-mali emva koko basibuyise ngezavenge. Le mali mboleko ayinayo imirhumo yesicelo okanye iifizi zenyanga ngaphaya komdla. Ukufumana imali-mboleko ebhankini okanye kwimanyano yabasebenzi ngetyala osele uqhuba ngayo ishishini kunokubangela ukuba wehle umyinge wenzala.
Umxhasi wemali mboleko yokutyikitya
Njengakuyo nayiphi na imali mboleko, umtyikityo wemali mboleko uya kuyonyusa umyinge kumvuzo-kumvuzo wakho, onokuthi wehlise amanqaku akho etyala. Iimali-mboleko zezavenge ezinje ngezi sisixa esinye kuphela; akukho layini ijikelezayo yekhredithi apho umntu omkhulu anokutsala imali eninzi.
Imali mboleko ekhuselekileyo
Sebenzisa isibambiso -i-CD okanye iakhawunti yokonga- kunokuba yindlela elungileyo yokuba umntu omkhulu afumane imali mboleko ngaphandle kwetyala elibi. Le mali-mboleko ikhutshwa ngamaziko emali (njengebhanki okanye umbutho wekhredithi) kwaye yahlukile kwimali mboleko yomhla wokuhlawula esebenzisa itsheki yomhla obekiweyo njengesiqinisekiso.
Iinkonzo zeMali-mboleko eziKhuselekileyo
Ezi ntlobo zemboleko-mali zinokusebenza kakuhle kubantu abadala abanemali ehleli kwenye indawo abangakwaziyo ukufikelela kuyo ngaphandle kwezohlwayo ezingqingqwa (ezinje ngeimali, ipolisi yexabiso le-inshorensi yobomi, okanye iCD). Ukukhusela imali mboleko ngolu hlobo lwesibambiso kunokubangela inzala ephantsi kunemali mboleko engakhuselwanga. Kunokuba lula ukwamkelwa kolu hlobo lwemali mboleko ngaphandle kwengeniso ephantsi okanye imicimbi ethile yemboleko njengoko imalimboleko ikhuselwe sisibambiso.
Ungummi omdala nini
Umxhasi wemali-mboleko ekhuselekileyo
Owona mcimbi mkhulu kwimali mboleko ekhuselekileyo, ewe, kukulahleka kwesibambiso ukuba iintlawulo zemali mboleko ziye zangagqibeki. Oku kunokubangela imicimbi emikhulu nangakumbi ukuba isibambiso yingxowa-mali eya kuthi izise isohlwayo esiqatha okanye ilahleko yenzala efunyenwe ukuba ikhutshwe kwangethuba ukuze ihlawule imali-mboleko esileleyo. Kukwabalulekile ukuba uqaphele ukuba imali egcina imali mboleko ayifumaneki ngexesha lokuhlawulwa kwemali mboleko, ke imali mboleko ekhuselweyo yiakhawunti yokonga yenza ukuba inani lokugcina lingafikeleleki.
Imali mboleko yoMfundi
Abadala abafuna ukubuyela ekholejini banelungelo lokufaka isicelo mboleko zabafundi - akukho budala buphezulu kwezi ntlobo zemboleko. Kukwabalulekile ukuba uqaphele ukuba abantu abadala banelungelo lokufumana inkxaso-mali yomanyano kunye neyaseburhulumenteni; abo baphila kumvuzo omiselweyo banokufumanisa ukuba banelungelo lokufumana isixa esihleumncedi ngezemaliukuhlawula iindleko ezinxulumene nokulandela imfundo ephezulu.
Lumka kubabolekisi
Abanye ababolekisi bajolise kubantu abasesichengeni, kubandakanya nabantu abadala kumvuzo omiselweyo. Ukuba ucelwa ngumbolekisi ukuba akunike imveliso yemali-mboleko ebonakala ilula kakhulu okanye intle kakhulu ukuba ingayinyani, funda lonke uxwebhu ngaphambi kokuvuma nantoni na. Sukutyikitya nawaphi na amaxwebhu ongakhange uwafunde okanye uwaqonde ngokupheleleyo. Ingumbono olungileyo ukucela umntu othembekileyo ukuba aqwalasele kwakhona nawaphi na amaxwebhu ezemali ngaphambi kokuba uwasayine kuba amanyeabakhohlisiUkujolisa kubantu abadala ngakumbi kwaye banokubonakala besemthethweni ekuqaleni. Kuphephe oku ngokwenza ishishini kuphela namaziko emali athembekileyo.
