Ukuphila annuity

Akusiyo imfihlo ukuthi umhlalaphansi ungomunye izingqimba olungavikelekile iningi labantu. Sokuguga impesheni anisuthi kakhulu ukuqinisekisa izidingo ubuncane ukudla nezingubo, bese ukhokha Tinsita. Nokho, uma sithola umuntu osekhulile unezingane ukusiza ngokwezimali nangokomzimba - ilungisa, hamba igilosa, qhubeka yezitolo. Kodwa ngakho lucky alulona olwawo wonke umuntu. Kwezinye abazali, asebekhulile nabo abadala inzalo ngokwabo njalo ubuzwa "ukukhokha", abanye nje abanalo izingane futhi efanele, ayikho indawo ukulinda ukwesekwa.

Yini ungathola indlela yokuphuma kulesi simo? Ngokwesibonelo, bangena esivumelwaneni ka iqashwe unomphela. Uma impesheni ayinakho izindlalifa, izindlu ezizimele ngemva kokufa kwakhe, izosuka edolobheni, ngakho-ke linengqondo kakhulu ukuthola inzuzo egcwele impahla phakathi nesikhathi sokuphila kwakhe.

Kuyini kwempilo annuity? Lokhu ukukhokhelwa imali, okuzokwenza ngezikhathi ukuthola umuntu kwaze kwaba sekufeni. Incwadi yesivumelwano salolu hlobo kuyazuzisa zombili: eyodwa uzothola impahla ukwesekwa, ukunakekelwa, ukukhathazeka kanye nokunakekela, okuyinto kuzodinga, kanti eyesibili - ingcebo ngentengo ephansi kakhulu kunalokho emakethe. Life yemphesheni - ithuba sangempela ukuze uthole efulethini lakhe, ikakhulukazi emadolobheni amakhulu, lapho intengo endlini evuka ukuba ruble ayizigidi ezingu 5-7. Inani izinkokhelo ngaphansi iqashwe inkontileka kuboshelwe le ubuncane ukudla kuleli zwe ndaba. Esaphila annuity kuyinto ummeli olungisa izivumelwano.

Nokho, kukhona kule sivumelwano nemibi abalulekile. Eyokuqala, futhi mhlawumbe ebaluleke kakhulu: uma unikezwa iqashwe efulethini lapho umnikazi ahlala-ke, ungabiza kuphela ngemva kokufa kwakhe. Ngakho-ke, amacala lapho umndeni iminyaka eminingi okhokhela imali inkontileka iqashwe ngenkathi motayas ezindlini esikhiphekayo, akukhona okungavamile ukuba likhithike. Enye lokususa - unomphela. Ngempela, umuntu angaphila ngemuva kokuphothulwa inkontileka izinyanga ezintathu, futhi mhlawumbe engamashumi amabili. Phakathi naso sonke lesi sikhathi, kumelwe akhokhe imali yesondlo.

Ikesi lapho annuity esaphila kwahlelwa phakathi kweminyaka engu-40 owesilisa ubudala nowesifazane 92 ubudala. Kokusayina inkontileka, kulindeleke ukuthi maduze kuzoba umninindlu futhi bakwazi ukuhambisa kuwo nomkhaya wakhe. Kodwa isiphetho decreed ngenye indlela. Umama osemdala ngokujabula waphila iminyaka engu-112 ubudala, futhi le ndoda yafa 60, futhi ngemva kokufa kwezingane zakhe omdala baye baqhubeka ukukhokhela ngaphansi inkontileka. Wanameka nendlu, lapho kwadingeka kuzenze kakhulu ezigugile phakathi nalesi sikhathi, futhi, iminyaka engu-20, umndeni ukhokhele kakhulu ngendlela kwakuyoba eyanele yokuthenga 3 yalezi mansions.

Yiqiniso, lokhu kwenzeka - Nokho, ngaphezu kwalokho ngaphandle kunokuba umthetho, izibonelo esicacile - akunakwenzeka kubalwe kanjani izinyanga eziningi noma iminyaka uzokhokhelwa ukuphila annuity.

Kuyarentisa-abamukelayo lokususa kuphela eyodwa - kukhona ingozi agijimela izigilamkhuba, engafuni ukuchitha imali futhi ulindele ukuphela zemvelo, izozama kusheshiswe ngokumuka kwakhe kuze kube komunye umhlaba. Ukuze lokhu bekungenzeki, ukuxoxisana kangcono nabangani ezinhle - omakhelwane, izihlobo, abangane. Izingane, futhi, ongangena inkontileka yerenti, ikakhulukazi uma bavalelwa ngokwezimali, kodwa akabi isifiso sokusiza abazali bawo asebekhulile. A impesheni impilo kungenziwa ikhishwe ngokuqhubekayo njengenkathi eyodwa futhi abantu abambalwa. Kulokhu, ungasebenzisa impahla emva kokufa ungumnikazi wokugcina yesivumelwano.

Ungakwazi ukuhlela ke okwabo kodwa umuntu wesithathu. Ngokwesibonelo, izingane abahlala kwelinye izwe futhi asikwazi ukufeza uyise nonina, kodwa impahla oluphethe, angangena esivumelwaneni kumuntu wesithathu, abayothola endaweni esenana uxhaso usizo kubazali. Ukwahluleka okuthobela nanoma nemibandela kunokwenzeka ukuqedwa kwenkontileka ka iqashwe enkantolo.