Uke wacabanga ngomthelela wokungasebenzi kungazelelwe ekusimameni kwakho kwezezimali? Futhi wake wazibuza ukuthi ungayigcina kanjani imali yakho iphephile? Umshwalense wokulahlekelwa umsebenzi uyisivikelo ngokumelene nezivunguvungu zemisebenzi ezingalindelekile: ngaphezu kwenethi yokuphepha elula—ithuluzi lamasu lokunikeza amandla ngokwezimali.
Kulesi sihloko, sibheka umshwalense wokuphelelwa umsebenzi, sihlola ubunkimbinkimbi bawo, izinzuzo, kanye nemibuzo eyinhloko engakuqondisa ekuqinisekiseni ikusasa eliqinile lezezimali. Masingene emhlabeni we umshwalense wokulahlekelwa umsebenzi futhi uthole izimpendulo obukade uzifuna.
| Uyini umshwalense wokulahlekelwa umsebenzi? | Ukuvikelwa ekulahlekelweni kwemali engenayo ngenxa yokungasebenzi ngokuzithandela. |
| Usebenza kanjani umshwalense wokulahlekelwa umsebenzi? | Ukusekelwa ngezimali ezimeni zokungasebenzi. |
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Uyini Umshwalense Wokulahlekelwa Umsebenzi?
Umshwalense wokulahlekelwa ngumsebenzi, obuye ubizwe ngokuthi umshwalense wokungasebenzi noma ukuvikela imali engenayo, usebenza njengenetha yokuphepha kwezezimali eklanywe ngobuchule ukuze kuncishiswe imiphumela yezomnotho yokulahlekelwa ngumsebenzi ngokuzenzekelayo. Usebenza njengomcamelo wezimali, lo mshwalense uqinisekisa ukwesekwa kwezimali okukhona kubantu abaxoshwa emsebenzini.
Ngokuzihlukanisa nomshwalense wokukhubazeka wesikhathi eside, umshwalense wokulahlekelwa ngumsebenzi ngokuvamile unikeza ikhambi lesikhashana eliklanyelwe ukusiza abantu phakathi nezigaba zesikhashana phakathi kwemisebenzi. Inhloso yayo eyinhloko ukukhokhela izindleko ezibalulekile kuze kube yilapho umnikazi wepholisi ewuthola ngempumelelo umsebenzi omusha.
Izinhlobo Zomshwalense Wokulahlekelwa Umsebenzi kanye Nezinzuzo Zazo
Ukuqonda izinzuzo zezinhlobo zomshwalense ezinhlanu ezihlukene zokulahlekelwa umsebenzi kunikeza abantu amandla okwenza izinqumo ezakheke kahle ezihambisana nezimo zabo ezihlukile. Ukuhlolwa ngokucophelela kwemininingwane yenqubomgomo, imigomo, nemibandela kubalulekile. Ukubonisana nabahlinzeki bomshwalense kuqinisekisa futhi ukuqonda okucacile kokukhetha umshwalense wokulahlekelwa umsebenzi ohambisana nezinjongo zezimali zomuntu ngamunye. Futhi, ngokuvamile kubiza malini ukuthola umshwalense wokulahlekelwa umsebenzi? Thola leyo ehlangabezana nezidingo zakho futhi wonge ibhajethi yakho.
Umshwalense Wokungasebenzi (UI)
Lolu hlelo oluxhaswe nguhulumeni luhlinzeka ngosizo lwezezimali kubantu ababhekene nokulahlekelwa umsebenzi ngaphandle kwephutha labo.
Izinzuzo:
- Ukusekela Ngezimali: Umshwalense wokulahlekelwa umsebenzi, ikakhulukazi i-UI, unikeza usizo lwezezimali olubalulekile ngokushintsha ingxenye yemali engenayo yomuntu yangaphambilini ngesikhathi sokulahlekelwa umsebenzi ngokuzenzekelayo.
- Usizo Lokucinga Umsebenzi: Izinhlelo eziningi ze-UI zinweba izinsiza nokusekelwa ukuze zisize abantu ngabanye ekutholeni umsebenzi omusha, zenze izinguquko ezishelelayo.
Cost: Izindleko ze-UI ngokuvamile zikhokhelwa abaqashi ngezintela ezikhokhelwayo, futhi izisebenzi azifaki sandla ngokuqondile ezinzuzweni ezijwayelekile zokungasebenzi.
Umshwalense Ozimele Wokulahlekelwa Umsebenzi
Ihlinzekwa izinkampani zomshwalense ezizimele, lezi zinqubomgomo zihambisana nomshwalense wokungasebenzi oxhaswe uhulumeni.
Izinzuzo:
- Ukufakwa Okuhambisanayo: Umshwalense wangasese wokulahlekelwa yimisebenzi uvumela ukwenziwa ngendlela oyifisayo, ovumela abantu ngabanye ukuthi balungise ukumbozwa ngezidingo zabo ezithile, okuhlanganisa amaphesenti aphezulu esinxephezelo kanye nezikhathi zokukhokha ezinwetshiwe.
- Ukuvikelwa Okungeziwe: Usebenza njengesendlalelo esengeziwe, umshwalense wangasese wokulahlekelwa umsebenzi unikeza ukuvikelwa kwezezimali okuthuthukisiwe ngaphezu kwezinhlelo zikahulumeni.
Cost: Izinkokhelo zanyanga zonke zomshwalense wangasese wokulahlekelwa umsebenzi zingahluka kakhulu, kusukela ku-$40 kuya ku-$120 noma ngaphezulu. Izindleko zangempela zincike ezintweni ezinjengobudala, umsebenzi, nezinketho ezikhethiwe zokukhava.
Umshuwalense Wokuvikela Imali
Lo mshwalense unweba ukukhokhelwa okungaphezu kokulahlekelwa umsebenzi, okuhlanganisa nezimo ezihlukahlukene eziholela ekulahlekelweni kwemali engenayo, njengokugula noma ukukhubazeka.
Izinzuzo:
- I-Comprehensive Safety Network: Umshwalense wokulahlekelwa umsebenzi, ikakhulukazi ukuvikela imali engenayo, uhlanganisa izimo eziningi, okuhlanganisa ukulahlekelwa umsebenzi, ukugula, nokukhubazeka, ukusungula inetha eliphelele lokuphepha kwezezimali.
- Ukusakaza Kweholo Eqinile: Kuqinisekisa ukugeleza kwemali engenayo okungaguquki phakathi nesikhathi sokufakwa, okuhlinzeka ngosekelo olubalulekile kubantu abazulazula ekungaqiniseki kwezezimali.
Cost: Izindleko zomshwalense wokuvikela imali engenayo zivame ukubalwa njengephesenti lemali engenayo yonyaka yomuntu ngamunye, ngokuvamile esukela ku-1.5% ukuya ku-4%. Isibonelo, ngemali engenayo yonyaka engu-$70,000, izindleko zingaba phakathi kuka-$1,050 kuya ku-$2,800 ngonyaka.
I-Mortgage Payment Protection Insurance (MPPI)
I-MPPI iyangenelela ukuze ibhekelele izinkokhelo zezindlu ezibolekiwe ezimweni ezinjengokulahlekelwa umsebenzi noma ezinye izimo ezithinta ikhono lokufeza izibopho zempahla mboleko.
Izinzuzo:
- Inkokhelo Yenkokhelo Yezindlu: Umshwalense wokulahlekelwa umsebenzi, ikakhulukazi i-MPPI, uvikela abanikazi bezindlu ngokumboza izinkokhelo zezindlu ezibolekiwe ngezikhathi zokungasebenzi, ugwema ukuntengantenga kwezindlu okungase kube khona.
- Ukuvikeleka Kwezezimali: Inikeza isendlalelo esengeziwe sokuvikeleka kwezezimali, i-MPPI iqinisekisa ukuthi abanikazi bezindlu bangakwazi ukunakekela izindawo zabo zokuhlala phakathi kokulahlekelwa yimisebenzi okungalindelekile.
Cost: Izindleko ze-MPPI zivame ukunqunywa njengephesenti yenani lemali ebolekiwe, ngokuvamile elisukela ku-0.2% ukuya ku-0.4%. Ngemali ebolekiwe engu-$250,000, izindleko zonyaka zingasukela ku-$500 ziye ku-$1,000.
Umshuwalense Wokugula Okubucayi
Nakuba ungaxhumene ngokuqondile nokulahlekelwa umsebenzi, umshwalense wokugula obucayi uletha inkokhelo eyisamba lapho kutholakala ukugula okuthile okubalulekile.
Izinzuzo:
- I-LumpSum Support: Yelula inkokhelo ye-lumpsum lapho uxilongwa, inikeza ukusekelwa kwezimali okubalulekile kwezindleko zezokwelapha kanye nokulungiswa kwendlela yokuphila.
- Ukusetshenziswa Okuhlukahlukene: Ukuvumelana nezimo kwezimali kunikeza abanikazi bezinqubomgomo amandla okubhekana nezidingo ezithile ezivela ekuguleni okubucayi, okuhlinzeka kokubili ukukhululeka ngokwezimali nangokomzwelo.
Cost: Izinkokhelo zanyanga zonke zomshwalense wokugula okubucayi ziyahlukahluka ngokusekelwe ezicini ezifana neminyaka nempilo. Ngokwesilinganiso, zingasuka ku-$25 ziye ku-$120. Kumuntu ophile kahle oseminyakeni yawo-40, inqubomgomo ehlinzeka ngenzuzo yesamba esingu-$70,000 ingabiza phakathi kuka-$40 kuya ku-$80 ngenyanga.
Funda kabanzi:
- Ukuyeka Ethule - Yini, Kungani, kanye Nezindlela zokubhekana nakho ngo-2024
- Okufanele Ukusho Uma Uyeka Umsebenzi
Izitoreji Eziyinhloko
Ukufingqa, umshuwalense wokulahlekelwa umsebenzi uyindlela yokuzivikela eyisisekelo emiphumeleni yezezimali yokuntuleka kwemisebenzi okungalindelekile. Ukuqonda izinzuzo nezindleko zalezi zinketho zomshwalense kunikeza abantu amandla okwenza izinqumo ezinolwazi, ukusungula ukuma okuqinile kokuvikeleka kwezezimali. Kungakhathaliseki ukuthi ubhekene nokulahlekelwa umsebenzi okungalindelekile noma ulungiselela ukungaqiniseki okungase kube khona, umshwalense wokulahlekelwa umsebenzi umi njengozakwethu onamasu, okhuthaza ukuqina nokunika amandla endaweni yobuchwepheshe ehlala ishintsha.
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FImibuzo Ebuzwa njalo
- Ubhekana kanjani nokulahlekelwa umsebenzi?
Lapho ubhekene nokulahlekelwa umsebenzi, sebenzisa usizo olunikezwa umshwalense wokulahlekelwa umsebenzi. Qalisa inqubo yezimangalo ngokushesha ukuze ufinyelele usizo lwezezimali phakathi nenkathi yenguquko. Ngesikhathi esifanayo, funa ukusekelwa ngokomzwelo kunethiwekhi yakho ukuze uhlole umthelela wemizwa wokulahlekelwa futhi ugxile ekutholeni amathuba amasha.
- Yini okufanele uyenze uma ungasebenzi futhi ungasebenzi?
Uma ubhekene nobunzima bezezimali ngemva kokulahlekelwa umsebenzi, thinta izinzuzo zomshwalense wokulahlekelwa umsebenzi ukuze uthole impumuzo esheshayo. Yengeza lokhu ngosizo lukahulumeni kanye nezinzuzo zokungasebenzi. Beka kuqala izindleko ezibalulekile ngesabelomali esiklanywe ngokucophelela futhi uhlole umsebenzi wesikhashana noma ozimele ukuze uthole imali eyengeziwe kuyilapho uphishekela amathuba emisebenzi emisha.
- Yini okungafanele uyenze ngemva kokulahlekelwa umsebenzi?
Gwema izinqumo zezezimali zamawala, futhi uma zikhavwe, faka ngokushesha isimangalo somshwalense wokulahlekelwa umsebenzi ukuze ugcine ukuzinza kwezezimali. Hlala uxhumene nenethiwekhi yakho yobungcweti ukuze uthole amathuba angenzeka futhi umelane nokushiswa amabhuloho nozakwabo bangaphambili. Ukuhlela amasu nobudlelwano obuhle kubalulekile ekubhekaneni nezinselelo zokuntuleka kwemisebenzi.
- Ulisiza kanjani iklayenti elilahlekelwe umsebenzi?
Siza amaklayenti ekusebenziseni umshwalense wawo wokulahlekelwa umsebenzi ngempumelelo. Baqondise ohlelweni lwezicelo, uqinisekise usizo lwezezimali olufika ngesikhathi. Hlanganyela ekwenzeni isabelomali, ukuhlanganisa izinzuzo zomshwalense, futhi unikeze ukusekelwa ngokomzwelo. Nikeza ngezinsiza zokuxhumana, ukuthuthukiswa kwamakhono, kanye nokusesha umsebenzi okumatasa ukuze ubhekane nezinselelo zokuntuleka kwemisebenzi.
Ref: Yahoo
