Indlela ukuhlawulela ikhefu lokugula

Umbuzo othi "indlela kuhlawulwa abagulayo" umdla kubasebenzi abaninzi. Eneneni, nkqu umqeshwa kakhulu uxanduva kwaye isempilweni ukuze kuvele ixesha xa neza kukhubazeka okwethutyana. Umvuzo kule ixesha lifinyele, yaye iindleko zonyango kunye nokufunyanwa ziyanda.

Indlela zekhefu lokugula, yaye wakwenza njani oko, kuxhomekeke kwizinto ezininzi. Eyokuqala ubukhulu lomvuzo. Ukuba umqeshwa sithi sihlawulwe ngomsebenzi wakhe "imvulophu" okanye musa abaqeshwe ngokusesikweni esibhedlele, awukwazi ukubala. I umvuzo olusemthethweni "white" ngaphezulu, iintlawulo ziya kuba ngaphezulu.

Ukongeza kwimivuzo, ezichaphazela amava emsebenzini kwindawo enye nendlela abantu abaninzi wasebenza kwiinyanga 24 yokugqibela phambi kokuqala yokukhubazeka. Xa babesebenza, intlawulo aya kubalwa ngokuthi kususelwe yomvuzo wakhe avareji, kwaye ukuba akunjalo - ngokusekelwe kwi wemivuzo. Ukuba umqeshwa uneminyaka engaphezu kwama-8 nkonzo kule kwishishini, imali yayo inzuzo iya kulingana 100% yemivuzo avareji ngemihla. Ukuba uthe wasebenza iminyaka engaphezu kwama-5, kodwa ngaphantsi kwe-8, ubungakanani iintlawulo kuncitshiswa ngama-20%, kwaye ukuba kwiminyaka emihlanu khange asebenze, intlawulo kuncitshiswa kwi-60% yemivuzo avareji ngemihla. Ukuba umntu kuphela ezikhuphile indawo entsha, waya esibhedlele, bengalwamkelanga wasebenza isiqingatha sonyaka, uya abale intlawulo, ezisekelwe kubungakanani wemivuzo, ezifikelela 4611 engange ekupheleni kuka-2012.

Indlela ukuhlawula esibhedlele kuthathelwa ingqalelo ingeniso ngeli xesha accounting? Ngokutsho utshintsho zamvanje, umvuzo kuthathelwa ingqalelo kuphela iminyaka emibini ikhalenda elandulela eli. Ngamanye amazwi, ukuba umqeshwa uye waba akakwazi okwethutyana ukusebenza ngo-Septemba ka-2012, le ndlela yokubala iza kwenziwa ngokwemigaqo ka-2010 no-2011. Kubonakala ukuba imali abagulayo-ahlawule baya ukutshintsha kulo nyaka. Le mali iza kuba efanayo ngoJanuwari ngoNovemba 2012. Ngaphambi ukubala ubungakanani iinzuzo, kuyimfuneko ukubala ingeniso avareji ngemihla. Le efunyenwe ngokwahlula it zuza nganye izibalo kwisithuba sokubala inani nasemsebenzini.

Ukubalwa ikhefu lokugula, umzekelo:

Masithi umsebenzi ngo-2010, yaye ngowe-2011 wazuza 240 lamawaka., Yaye 270 amawaka. Engange, ngokulandelelana. Emva koko ingeniso ebanzi xesha ingxelo iya kulingana 510 lamawaka. Yahlula kubo ngenani leentsuku zomsebenzi (730) kwaye afumane ingeniso avareji yemihla ngemihla - 698,6 engange. Ukuze ufumane ubungakanani igranti ixesha lonke yokukhubazeka, kufuneka phinda oku ngenani leentsuku echithwe zekhefu lokugula. Ku vuriwa yini loko ziintsuku 9. Ke 698,6 * 9 = 6287000. Ixabiso iziphumo kufuneka liphindaphindwe ixesha factor. Ukuba umsebenzi usebenze kwinkampani iminyaka 7, umlinganiselo iya kulingana 0.8. Ngako oko, iyonke imali yezibonelelo ixesha elichithwa esibhedlele, iya kulingana 6287 * 0.8 = 5030 engange. Yaba indoda yakhe nokuwenza.

Nokuba zekhefu lokugula ukuba ukukhubazeka kwakubangelwa ukunxila okanye utywala? Ihlawulwe, kodwa kuphela ngokususela wemivuzo ngaphandle ngokuphathelele ukuxatyiswa umvuzo ngokwenene. Ngokufanayo, iintlawulo lincitshiswe ukuba isigulane waphula ulawulo nemiyalelo kagqirha okanye hayi ukuvela yokwamkela ngosuku elimisiweyo. Ukuba incapacity yaba sisiphumo yengozi emsebenzini, umqeshwa uya kufumana isibonelelo, nto leyo iya kulingana 100 pesenti engenayo, kungakhathaliseki wasebenza elide kangakanani apho. Ndakuva umvuzo ngemihla nelona qondo liphezulu nesibonelelo ayikwazi ukudlula ukukwazi ukusebenza - oko 1137 engange. Ukuba kumvuzo womqeshwa lingaphezulu, le ndlela yokubala iza kwenziwa ngokuthi kususelwe kwale mali.

Indlela ukuhlawulela ikhefu lokugula kwi kukhathalelo robonkom? Oku kubalwa ngendlela efanayo, kuthathelwa ingqalelo iminyaka yenkonzo kunye nengeniso. Kodwa kwaba eyahlukileyo. Iintsuku zokuqala-10 - ngenxa yezikhundla nakumndilili imivuzo yemihla ngemihla, yaye ntsuku zilandelayo zihlawulelwa 50% nje kuphela yemali.