Tsanangudzo Yekutonga kwe80 uye
Hurumende yehurumende inoshandiswa kubhadhara mari yepamutemo inokodzera kubhadhara basa pamabasa maviri: makore nemakore ekushandira.
Pamusoro penharaunda yose yehurumende yekubvisa mari kune imwe nhamba inomiririra chikamu chezera remushandi nemakore ekushanda ayo akambosvika anoita kuti mushandi akakodzera kubhadhara.
Mutemo we80
Mitemo yakawanda inoshandisa mutemo we 80. Izvi zvinoreva kuti kana imwe nguva yevashandi nemakore ekushandira kwemakore makumi mapfumbamwe nemasere, mushandi akakodzera kubhadhara. Heano muenzaniso. Mushandi anotanga kushandira sangano rehurumende pazera remakore makumi maviri nemaviri. Sangano rekusunungurwa rehurumende rinoshanda pasi pekutonga kwemakore makumi mana nemana makumi matatu nemana. Kubva panguva yevashandi iyi uye kutonga kwema80, mushandi uyu achakodzera kubhadhara pazera remakore makumi mashanu nemasere mushure me 26 / Makore maviri ekushandira.
Iyi yekutanga yekurega basa inopa mushandi kwemakore akawanda ekushanda akasiyiwa kuti aite basa rechipiri kana kudzoka kumusangano wevanhu kuti vanyore kaviri. Kudonha kaviri ndiko apo mushandi akasiya basa uye ari kutora annuity asi ari kushanda nekuwana mubhadharo musangano inobatanidzwa muhurongwa hwehupfumi hwakafanana.
Mishonga yokurega basa inowanzove yakagadzirirwa kune avo vanovamba mubasa rehurumende munguva shomanana mumabasa avo. Zvirongwa zvinogona kutora nguva yekurasikirwa apo vanhu vanogona kubvisa basa kana vasina kusvika pamutemo we 80. Maitiro akawanda anobvumira vashandi vane makore makumi maviri nemakumi matanhatu kuti vasaite basa pasinei nemakore avo ekushandira. Vanhu ava vanowana annuities shoma pamusana pemakore avo mashomanana muhurongwa, uye vangave vasina hutano hwakadaro hunoita sevaya vanosvika kutonga kwe 80 asati vasara.
Kuwedzera huwandu hwevashandi vanozvipira kuhutano uye kuderedza nhamba yevatorwa vanobva kune iyo, mamwe masangano ekurasikirwa akawedzerwa kubva kutonga kwe 80 kusvika kutonga 85 kana kunyange 90. Kana izvi zvikaitika, vashandi varipo vanowanzoberekerwa mu mitemo yekare, uye vashandi vatsva vanofanira kusangana nezvitsva zvinodiwa.
Sekuru
Kukurukurirana kunoita kuti purogiramu yekurasikirwa ishanduke kuwedzerwa kunakidza kune vashandi varipo. Vashandi vanonzwa vachimanikidzwa, vanovhiringidzwa uye vanobiridzira apo urongwa hwekurega basa hunochinja hunochinja pavari. Vashandi munguva yemberi havanyatsotauri munyaya iyi nokuti hapana anoziva kuti ivo varipi.
Kunyange zvazvo vanasekuru vanoita kuti kutengesa kuve nyore, zvinoumba mitoro yekutungamirira. Mishonga yekurega basa inofanira kuchengetedza mabheti maviri kana akawanda emitemo, mafomu, mabhuku anobatsira nezvimwe zvakadaro. Kuwedzera kwekugadzirisa mari inoramba ichienderera mberi kusvikira vapedza basa pasi pemitemo yekare yekare vanofa.
The Rule of 90
Iti mutariri wemakore makumi maviri nemaviri ari mumuenzaniso wepakutanga uri muhurumende yekusarura iyo inoshanda nekutonga kwe 90 panzvimbo yekutonga kwe 80. Nokuda kweshanduko imwe chete, mushandi uyu achabvumirwa kubhadhara pazera remakore 58 1/2 nemakore makumi matatu nemasere ekushumira.
Mishonga yekusimudza inowanzova nemitemo yakasimba pamusoro pekuendesa mari yechikwereti kubva kune imwe nzira yekurega basa kune imwe.
Apo vashandi vanofamba pakati pemabasa pasi penheyo dzakasiyana-siyana dzekurasikirwa, vanogona kurasikirwa nebato rechikwereti. Vashandi vehurumende vanofanira kufungisisa izvi zvichiitika pavanenge vachitsvaga basa idzva.
Kana basa rechikwereti risingapfuuri, vashandi vanogona kuva nesarudzo yekusiya izvo zvavazvo muhutano hwekare hwekurasira imomo uye kutanga zvitsva mumutambo mutsva. Mumwe mushandi anogona kusimudzira matanho akasiyana-siyana ekurega basa pakati pematambudziko maviri kana kupfuura. Zvadaro, mazuva ekurasikirwa ari mazuva chete apo mushandi anogona kuwana mari yekubatsira, asi vashandi vanogona kusarudza kutanga kutanga kuwana mari yavo yose panguva imwe chete.