Wonke umntu usoloko ekhangela iindlela zokugcina irhafu yengeniso yakhe.
Bathanda ukubamba naliphi na ithuba eliza ngendlela ebanceda ukuba bonge irhafu yengeniso eIndiya.
Nangona kunjalo, abantu abahlukeneyo baneendlela ezahlukeneyo ezikhethwayo zokwenza oko. Nokuba ungumsebenzi ohlawulwayo okanye uneshishini, zininzi iindlela zokonga irhafu yengeniso yaseIndiya.
Ukwenza ibango lezaphulelo zerhafu kunokhetho oluninzi phantsi kwamacandelo ahlukeneyo, kwaye kukunceda unciphise umvuzo wakho orhafiswayo.
Ukuba nawe ungomnye wabantu abazama ukufumana iindlela zokonga irhafu yengeniso eIndiya, ngezantsi ziindlela ezili-12 ezisebenzayo zokuyenza –
1. Ukuxhuzulwa kwerhafu phantsi kweCandelo 80C
Iinketho ezininzi zotyalo-mali zinceda umntu ukuba agcine irhafu. Ngaphantsi icandelo 80C, iindlela ezibalulekileyo onokuthi ngazo ugcine irhafu:
- Utyalo-mali kwi-Equity Linked Saving Schemes (ELSS) kunye nokugcina ukuya kuthi ga kwi-Rs. 46,800 kwiirhafu.
- Tyala imali ekugcinweni kwerhafu kwiDipozithi eZinzileyo kunye nexesha lokutshixa leminyaka emi-5.
- Utyalo-mali kwiNgxowa-mali yesiBonelelo soluNtu olunexesha lokuvaleleka phakathi kweminyaka eli-15 (ubuncinane), landiswa ngeminyaka emihlanu ukuba kuyimfuneko.
- Utyalo-mali kwiNgxowa-mali yesiBonelelo sabaSebenzi aluhlawuli rhafu ukuba lurhoxisiwe emva kweminyaka emihlanu yenkonzo ethe gqolo.
- Utyalo-mali kwi Inkqubo yePension yeSizwe ivumela umhlalaphantsi emva kokuthatha umhlalaphantsi kwicandelo elingaqatshelwanga kunye neengcali ezisebenzayo zaseIndiya.
2. Ukutsalwa kwerhafu phantsi kweCandelo 80D
ICandelo 80D livumela ukutsalwa kwerhafu kumqeshwa ohlawulwayo ngokusekelwe kwiindleko zonyango/i-inshurensi.
Ibango le-Rs. I-25,000 ikhululwe kwi-inshurensi yesiqu sakho, iqabane, kunye (nabantwana abaxhomekeke kuye).
Ukutsalwa kwerhafu eyongezelelweyo kuyafumaneka kubazali ukuya kuthi ga kwi-Rs. 25,000 ukuba abazali bangaphantsi kweminyaka engama-60 ubudala. Ukuba abazali bangaphezu kweminyaka engama-60 ubudala, imali exhuzulwayo ifikelela kwi-Rs. 50,000
Ezona zinto zitsalwayo yi-Rs. 1 lakh ukuba bobabini umhlawuli kunye nabazali babo bangaphezulu kweminyaka engama-60 ubudala.
3. Ukutsalwa kwerhafu phantsi kweCandelo 80DD
ICandelo lama-80DD litolika ukuNcitshiswa koKhubazeko kwisalamane somntu okhubazekileyo. Nayiphi na inkcitho eyenziwa ngumntu kunyango, uqeqesho, kunye nokubuyisela kwisimo sangaphambili sesalamane esikhubazekileyo esixhomekeke kuyo iqukiwe kweli candelo.
Ukutsalwa okusisigxina kwe-Rs. 75,000 ukuba ukukhubazeka kuphakathi kwama-40% ukuya kuma-80%. Kukhubazeko olunzima (ngaphezu kwama-80%), ukutsalwa okusisigxina yi-Rs. 1,25,000.
4. Isibonelelo seRente yeNdlu
I-HRA yinxalenye yenkqubo yemivuzo yabasebenzi abaninzi. Ikhululwe phantsi icandelo 10 (13A) yoMthetho weRhafu yeNgeniso ka-1961.
Nangona kunjalo, imali efunyenwe njenge-HRA yingeniso erhafiswa ngokupheleleyo ukuba umsebenzi uhlala kwindlu yakhe kwaye akahlawuli nayiphi na irenti. Ukukhululwa kwirhafu phantsi kwesibonelelo serenti yendlu bubuncinane boku, ngolu hlobo lulandelayo:
- Ukufumana i-HRA ngonyaka.
- Ukugqithiswa kwerenti ehlawulwa ngonyaka ngaphezulu kwe-10% yomvuzo osisiseko wonyaka.
- I-50% yomvuzo kubantu abahlala kwizixeko ezimbaxa, kunye ne-40% kwabo bahlala kwizixeko ezingezodolophu.
Kukho iimeko ezizodwa xa umntu efuna ukufaka ibango lenzuzo yerhafu nge-HRA efana nale:
- Ukuhlawula irenti kumalungu osapho/izalamane.
- Ukuba nendlu, kodwa uhlala kwirenti kwisixeko esahlukileyo.
5. IiNzuzo zeRhafu ngeMali-mboleko yeKhaya
Urhulumente waseIndiya uhlala ekhuthaza abemi bakhe ukuba batyale imali kwindlu kwaye babenayo. A imali mboleko yasekhaya ufanelekile ukuba atsalwe irhafu.
Nalu olu xhuzulo lubalulekileyo lulandelayo phakathi kwezininzi xa uceba ukuthenga okanye ukwakha indlu ngemali mboleko yendlu:
- Unokwenza ibango ukuya kutsho kwi-Rs. I-2 lakh kumvuzo wakho njengokuxhuzulwa kwerhafu kwi-EMI yentlawulo yenzala yemali mboleko yendlu yakho. Umntu unokubanga le nzala kuphela xa ukwakhiwa kwendlu yakho kugqityiwe.
- Ukuba awukafuduki kwindawo yakho okwangoku kodwa usabhatala ii-EMIs, ungafaka ibango lenzuzo yerhafu yenzuzo yaphambi kolwakhiwo. Obona bukhulu bokufaneleka buhleli bukwi-Rs. 2 lakh ngonyaka.
- Isixa-mali sitsalwa kwintlawulo eyintloko yemali mboleko yendlu, nayo. Umntu unokubanga i-Rs. 1.5 lakh phantsi kweli candelo max.
- Elona bango lenzala ye-Rs. I-2 lakh inokuthatyathwa phantsi kwemboleko yendlu edibeneyo liqela ngalinye. Ngentlawulo eyintloko, ubuninzi be-Rs. I-1.5 lakh inokufakwa ibango kwiingxelo zabo zerhafu.
6. ISibonelelo sokuHamba
I-LTA luxolelo olunikwa iiklasi ezihlawulwayo ngexesha leminyaka yenkonzo yazo nasemva kokuthatha umhlala-phantsi okanye ukupheliswa kweenkonzo.
Sisibonelelo esifunyanwa ngumqeshwa kumqeshi wakhe xa esekhefini. Ukukhululwa kwi-LTA kufumaneka kuphela kwiihambo ezimbini ezenziwa kwibhloko yeminyaka emine yekhalenda.
Iindleko ezihlawulwayo kuphela zezona ndleko ziphambili zokuhamba, okt, imali yokuhamba.
Kukho iimeko ezimbalwa zokubanga i-LTA:
- Uhambo oluyinyani kufuneka lwenzeke ukuze kufumaneke uxolelo.
- Kuphela kuhambo lwasekhaya (okt, ngaphakathi eIndiya) oluhlawulelwayo phantsi kolu kukhululwa.
Umqeshwa unokufumana inzuzo yakhe okanye yena kunye nosapho lwakhe.
Usapho lubandakanya iqabane lomqeshwa, abantwana, nabazali abaxhomekeke kuye kunye nabantakwenu. Akukho ngaphezu kwesibini sabantwana abazelwe emva komhla woku-1 kuOktobha 1998 abavumelekileyo ukuba bakhululwe.
7. Inzuzo yerhafu ngeeNdleko kunye neeMbuyekezo
Ukuba ungumnini, eyona ndlela ilula yokufumana izibonelelo zerhafu kukubonisa iindleko zonyaka-mali othile.
Umntu unokubonisa iindleko ezininzi ezinjalo. Oku kubandakanya iindleko zokufunda zabantwana, intlawulo yegunyabantu lophuhliso, ukuthengwa kwezinto, ukuhla kwexabiso, njl.
Kumqeshwa ohlawulwayo, banokufumana inzuzo efanayo ngokubuyisela.
Yimbuyekezo ehlawulwa ngumbutho kubasebenzi ngeendleko zabo. Ukubuyiselwa kwemali ziintlobo ezininzi: iindleko zepetroli, umvuzo womqhubi, iindleko ezenziwe ngexesha lohambo olusemthethweni, njl.
8. Ukubonga
Umqeshi unikezela ngentlawulelo njengenzuzo engaqukwanga kumvuzo womsebenzi.
Ubuncinane beminyaka emi-5 yenkonzo efunekayo ukuze ufumane inkululeko kumhlalaphantsi, ukurhoxa, ukufa, okanye ukukhubazeka.
Ubuncinane bezi zinto zilandelayo busebenza njengokhululo kwingeniso erhafiswayo:
- Umvuzo wokugqibela uphindaphindwe ngenani leminyaka yengqesho uphindaphindwe ngo-15/26.
- 20 lakhs kwiGratuity.
9. IiNzuzo zeRhafu kwiScholarship for Education and Education Loan
Ukunciphisa ingeniso erhafiswayo, umntu unokusebenzisa inani le iinzuzo zerhafu ezibonelelwa kwimfundo.
Turhulumente uye wabonelela ngeentlawulo zerhafu kwisibonelelo semfundo yabantwana, imali yokufunda, kunye neefizi zesikolo ukukhuthaza izinga lokufunda nokubhala laseIndiya.
- Imfundo yabantwana ixolelwe kwi-Rs. 100 ngenyanga ukuya kubantwana ababini. Ukongeza, uxolelo lwabo lwenkcitho kwihostele lukwi-Rs. 300 ngenyanga ukuya kubantwana ababini.
- Ubani usenokwenza ibango leefizi zesikolo nezezifundo kulo naliphi na iziko lemfundo ukuya kutsho kwi-Rs. 1.5 lakh.
10. Ukukhululwa kwiRhafu ngoMnikelo okanye iSisa
phantsi icandelo 80G, ubani unokufumana iingenelo zerhafu ngokwenza umsebenzi olungileyo nangokunikela ngenjongo.
Naliphi na iziko laseIndiya elaziswa lisebe lerhafu ngokutsalwa kwerhafu liza phantsi kwalo mthetho. Unokwenza ibango ukuya kuthi ga kwi-100% yeminikelo ukuba unikela kwizintlu ezithile kunye namaqumrhu.
Ukuba unikela ngemali, ungenza ibango lee-Rs. 2,000. Nangona kunjalo, ukuba unikela ngeetshekhi, utshintshelo lwebhanki, okanye iindlela zedijithali, akukho mda uphezulu kwisaphulelo.
11. Gcina Imali kwiakhawunti yakho yokonga
Eyona ndlela ilula yokugcina irhafu kukugcina imali ethile kwiakhawunti yakho yokonga.
Inzala ayihlawulelwa rhafu Ukuya kuthi ga kwiRs. 10,000 kwi-akhawunti yakho yokonga, ngokweCandelo 80TTA. Kubantu abadala, lo mda yi-Rs. 50,000.
12. IziCwangciso ze-Inshurensi yoBomi
Ukukhetha ipolisi ye-inshorensi yobomi kuyimfuneko, kungakhathaliseki ukuba iza nokukhululwa kwirhafu.
Umntu angafumana izibonelelo zerhafu ukuya kuthi ga kwi-Rs. 1.5 lakh kwiprimiyamu rhoqo ngonyaka. Ukuthenga okanye ukuhlaziya ipolisi ye-inshorensi yobomi kufanelekile ukufumana inzuzo yerhafu ukuya kuthi ga kwi-Rs. 1.5 lakh ngokunjalo.
Zininzi iindlela zokonga irhafu eIndiya.
Nangona kunjalo, amanqaku, njengoko kukhankanyiwe ngasentla, ngawona alula kwaye anesandi.
Unokukhetha kwakhona iindlela ezimbalwa endaweni yenye kwaye wenze ipotfoliyo yezinye iindlela zokuxolelwa kwirhafu.
Qinisekisa ukuba nayiphi na inketho oyikhethayo ihambelana ngokupheleleyo neenjongo zakho zexesha elide, iinjongo zemali, kunye neemfuno zokuhlawula amatyala.
Shiya iMpendulo