Nakuba zonke izinceku zikahulumeni kufanele zigcine engqondweni engaphansi kwesigxobo esinezintathu zokuthatha umhlalaphansi , umthombo oyinhloko wemali yokuthatha umhlalaphansi iningi lezinceku zikahulumeni yinkampani ehlinzekwa yimishini yabo yokuthatha umhlalaphansi .
Ukubalwa kokukhokhwa kwemali kuthinta kakhulu kokubili uma isisebenzi singakwazi ukukhokhela umhlalaphansi nokuthi yiluphi uhlobo lokuphila lo msebenzi ozohlala emhlalaphansi.
Bambalwa abantu abangakwazi ukuhlala emsebenzini ngosuku lokuthatha umhlalaphansi . Kusho ukuthi abasebenzi basebenze ngaphezu kwezinsuku zabo zokuthatha umhlalaphansi futhi basekela izinsuku zabo zangempela zokuthatha umhlalaphansi ngenani lemali ekhokhwa ngenyanga.
Izinguquko ezimbili nomunye owodwa
Kuzinhlelo eziningi zikahulumeni zokuthatha umhlalaphansi, iziguquko ezimbili zithatha ukuthi ingakanani imali yokuqashwa komsebenzi kuyoba: umholo wesisebenzi kanye neminyaka yokusebenza yomsebenzi. Ngenkathi yobudala buyinto ebalulekile ekunqumeni ukufaneleka komhlalaphansi, akuvamile ukusetshenziselwa uma kunquma inani lokukhokha imali.
Izinhlelo zokuthatha umhlalaphansi zidinga inamba eyodwa yokuhola ukuze ixhumane namafomula awo ekunqumeni ukubanjwa komhlalaphansi kwabasebenzi. Basebenzisa inkokhelo isisebenzi esitholayo eminyakeni yabo embalwa ezuzayo kakhulu. Izinhlelo eziningi zisebenzisa phakathi kweminyaka emithathu kuya kwemihlanu kulokhu kubalwa.
Bayalinganisa amaholo ukuthola inombolo eyodwa yomholo.
Isibonelo, uhlelo lokuthatha umhlalaphansi lubala isamba somsebenzi kule minyaka emithathu ephezulu yokusebenza yomsebenzi. Isisebenzi sithola u- $ 61,000, $ 62,000, no-$ 66,000 eminyakeni yakhe emithathu ephezulu kakhulu. Lezi zinombolo ezintathu zenzelwe ukunquma umholo wesisebenzi njengoba kuhlobene nomhlalaphansi wokuthatha umhlalaphansi.
Ngenhloso yokubala lesi sikhwama somhlalaphansi somsebenzi, umholo wesisebenzi u $ 63,000:
($ 61,000 + $ 62,000 + $ 66,000) / 3 = $ 63,000
Iminyaka yenkonzo kulula ukuthola ukuthi inani leholo elilodwa. Le namba imane nje isisebenzi esinikeza isistimu yomhlalaphansi. Isikhathi ngasinye sokukhokha isisebenzi esinikezela ohlelweni lokuthatha umhlalaphansi sithola isikweletu somsebenzi wesisebenzi esilingana nesikhathi sesikhathi sokukhokha.
Kunesinye esinye isici ekubalweni kwenkokhelo yokukhokha. Iphesenti isetshenzisiwe ukuthi empeleni isitshela ukuthi inani lemali elibhaliwe libalinganisani ngonyaka wonyaka wenkonzo. Lokho kuyichaza isikhathi eside futhi mhlawumbe edidekayo, kodwa kunengqondo kusibonelo.
Ukusebenzisa umholo wama $ 63,000 esibonelweni sethu ngenhla, ake sithi isisebenzi sineminyaka engu-30 yenkonzo ohlelweni lokuthatha umhlalaphansi. Ake sithi futhi unyaka ngamunye wenkonzo nesisebenzi sithola 2.0% yenombolo yomholo. Nansi ukubalwa okuvezwe njengendlela yamathematika:
Imivuzo X Iminyaka X Amaphesenti = Imali engu-Annuity
Nasi isibonelo sethu esisetshenziselwa ifomula:
$ 63,000 X 30 X 2.0% = $ 37,800
Lo msebenzi wayejwayele ukuthola imali engama $ 63,000 ngonyaka, kodwa manje, lesi sisebenzi sithola imali engenayo kahulumeni kakhulu.
I $ 37,800 ikhokhwa ezinkampanini zenyanga zonke zama $ 3,150. Ngethemba ukuthi isisebenzi sinezimali ezanele zokulondoloza umhlalaphansi kanye neholo lokuvikeleka kwezenhlalakahle ukukhokhela ukunciphisa.
Manje, ake sithi isisebenzi esifanayo sisebenza iminyaka engu-40 esikhundleni sokuthatha umhlalaphansi ngemuva kwalokhu. Nansi ukubalwa okusha:
$ 63,000 X 40 X 2.0% = $ 50,400
Ngokubambezeleka kokuthatha umhlalaphansi iminyaka eyishumi, isisebenzi salesi sibonelo sandisa imali engenayo yomhlalaphansi nge $ 12,600 ngonyaka. Lokhu kuhumusha kwi $ 1,050 eyengeziwe ngenyanga; Kodwa-ke, isisebenzi sinikeza imali ohlelweni lokuthatha umhlalaphansi iminyaka engaphezulu kwengu-10 ngenkathi sikhipha inkokhelo yemali kule minyaka eyishumi.
I-COLAs
Imali ehlala emhlalaphansi yimifula engenayo engenayo. Ukuvimbela izimo ezingavamile, imali ekhokhelwa isamba somsebenzi unelungelo lokuthatha umhlalaphansi yilezi zinsuku umsebenzi ogcina impilo. Imali engenayo ingakhuphuka ngokulungiswa kwemali yokuphila .
Izinhlelo zokuthatha umhlalaphansi zinikeza ama-COLA ngezindlela ezimbili. Indlela yokuqala ukuthi uhlelo luhlinzeke ngama-COLA ngokuzenzekelayo ngokusekelwe kwedatha yemigomo efana ne-Index yezindleko zabathengi ngosuku olulungisiwe. Enye indlela yebhodi elibusayo lomshini wokuthatha umhlalaphansi noma owengamele umkhandlu wezomthetho ukunikeza i-COLA ngokuvota. Uma i-COLA ingaphansi kwezombusazwe, iziphakamiso ngokuvamile zisekelwe kumininingwane eyinhloso kodwa zingashintshwa ngenqubo yomthetho.