Izifundo Zokufunda
Izimo ezicatshangelwayo ezikhombisa ukuthi izici ezahlukene zithinta kanjani ukubuyisela kwezindlu zokuqasha ezakhiweni zokuhlala zaseNingizimu Afrika. Lezi yizibonelo zokufunda zisebenzisa izinombolo ezidaliwe.
Umthelela Wezimali Zesihloko Esabiwe
Lesi simo esidaliwe sihlola ifulethi elinezindlu zokulala ezimbili enezimali zenyanga ezingu-R2,800. Isakhiwo sabiza u-R1,200,000 futhi siqashwa ngo-R9,500 ngenyanga. Ukubuyisela okuphelele kubonakala kungama-9.5%, kodwa ngemva kokukhipha izimali, izintela, umshwalense, nesikhathi esijwayelekile lapho kungenamuntu oqashile, ukubuyisela okuhlanzekile kwehlela cishe ku-4.8%.
Isibonelo sikhombisa ukuthi izimali zesihloko esabiwe zinciphisa kakhulu ukubuyisela kwangempela. Nakuba ukubuyisela okuphelele kubukeka kuhehayo, imali yenyanga yodwa idla cishe ama-30% emali yokuqasha ngaphambi kokucabangela ezinye izindleko.
9.5%
Ukubuyisela Okuphelele
4.8%
Ukubuyisela Okuhlanzekile
Iqiniso Lokunakekelwa Kwesakhiwo Esikhululekile
Lesi simo esingokoqobo sihlola indlu ekhululekile ethengwe ngo-R1,800,000 futhi iqashwa ngo-R13,000 ngenyanga. Ngaphandle kwezimali zesihloko esabiwe, ukubuyisela okuphelele kungu-8.7%. Nokho, umnikazi wenza isabelo somali u-R3,500 ngenyanga wezabelo zokunakekelwa, izintela zikamasipala, umshwalense, nezimali zokulawula.
Ngemva kokubala lezi zindleko kanye nezinyanga ezimbili lapho kungenamuntu oqashile eminyakeni emithathu, ukubuyisela okuhlanzekile kulingana no-5.2%. Isibonelo sikhombisa ukuthi izakhiwo ezikhululekile zigwema izimali kodwa zidinga izabelomali ezinkulu zokunakekelwa.
8.7%
Ukubuyisela Okuphelele
5.2%
Ukubuyisela Okuhlanzekile
Ukushintshanisa Kwentengo Yendawo
Lesi sibonelo esidaliwe siqhathanisa amafulethi amabili afanayo. Isakhiwo A endaweni enhle sibiza u-R1,500,000 futhi siqashwa ngo-R10,500 (ukubuyisela okuphelele ku-8.4%). Isakhiwo B endaweni engekho maphakathi sibiza u-R950,000 futhi siqashwa ngo-R7,200 (ukubuyisela okuphelele ku-9.1%).
Isakhiwo A siba nezikhathi ezimfushane lapho kungenamuntu oqashile futhi siheha abaqashi abaphezulu, kuyilapho Isakhiwo B sinezigaba ezinde lapho kungenamuntu oqashile. Ngemva kokubala amazinga angempela okuphelelwa nezindleko, zombili izakhiwo zinikeza ukubuyisela okuhlanzekile okufanayo cishe ku-5%, okukhombisa ukuthi amanani endawo athinta kanjani izingxenye ezahlukene zokubuyisela.
Kufana
Ukubuyisela Okuhlanzekile
Kuyahlukahluka
Amaphrofayili Engozi
Izaziso Ezibalulekile
Lezi zifundo zocwaningo ziyizinsizakalo zokufunda ezisebenzisa izimo ezicatshangelwayo.
Izibonelo Ezidaliwe
Zonke izimo zisebenzisa izakhiwo ezingokoqobo ezinezinombolo ezidaliwe. Zikhombisa imiqondo kunokumela izakhiwo zangempela noma izimo zemakethe.
Inhloso Yokufunda
Lezi zibonelo zisiza ukuqonda ukuthi izici ezahlukene zisebenzisana kanjani. Aziyona izibikezelo, izilinganiso, noma izincomo mayelana nezakhiwo ezithile.
Akuyona Iseluleko Sokutshalwa Kwemali
Lezi zifundo zocwaningo azihlanganisi iseluleko sokutshalwa kwemali noma izincomo. Zichaza imiqondo ngaphandle kokuphakamisa ukuthi noma ubani kufanele enze ukuthini.