Kule mihla, kunokwenzeka ukuxhamla kwinani elithile loncedo kunye neziqinisekiso ezibekwe nguRhulumente, ezifana isiqinisekiso somntu ngamnye samandla okuthenga. Esi sisiqinisekiso esibalwe kwixesha lereferensi elisasazwa kwiminyaka emine, lithatha UDisemba 31 njengomhla eziqala ngawo izibalo.
Ukongeza, sisiqinisekiso sokuba abasebenzi abaninzi banokuzuza kuso, kungoko kubalulekile ukwazi ukuba ibandakanya ntoni kwaye ngakumbi yimalini abaya kuyifumana. Ukuba ufuna ukwazi ngakumbi, kwaye ngaphezu kwakho konke ukuqonda ukuba njani bala ixabiso layo, qhubeka ufunda eli nqaku.
Ithini inkcazo yesiqinisekiso samandla okuthenga komntu ngamnye?
Isiqinisekiso somntu ngamnye samandla okuthenga, okanye ngesifinyezo esithi Gipa, kunye nesiqinisekiso esijolise ekubuyekezeni ilahleko ekuthengeni amandla. naliphi na igosa, kwimeko apho umvuzo wakhe awunyukanga kule minyaka mine idlulileyo. Kuyenzeka ukuba uxhamle kuyo kwimeko apho ukuvela komvuzo wesalathiso somqeshwa kusezantsi xa kuthelekiswa naleyo isalathisi samaxabiso abathengi, kwaye oku, kwithuba lereferensi eliyiminyaka emi-4.
Ukuze ukwazi ukuba unelungelo na kwi-Gipa, kuyenzeka ukuba usebenzise isifanisi se-intanethi. Ukuba ufanelekile, i-simulator inokukunika eyona mali ichanekileyo oya kukwazi ukuyiqokelela.
Ngoobani abaxhamli besiqinisekiso samandla okuthenga umntu ngamnye?
Abadlali abahlukeneyo kwihlabathi lengqesho banelungelo kwisiqinisekiso somntu ngamnye samandla okuthenga, phantsi kweemeko ezithile.
Okokuqala, bonke abasebenzi bakarhulumente baxhalabile ngaphandle kwalo naluphi na uhlobo lwemeko ethile.
Emva koko, abasebenzi bekhontrakthi abaphantsi kwekhontrakthi esisigxina (inkontileka yengqesho yexesha elingenammiselo) kwimeko apho umvuzo wabo wenziwa ngokulandela isibalo esithathela ingqalelo isalathisi.
Ekugqibeleni, kukho nabasebenzi bekhontrakthi ixesha elimisiweyo (isivumelwano sengqesho sexesha elimiselweyo) abaqeshwe ngokuqhubekayo, ngaphandle kokuba oko kusenzelwa umqeshi omnye kule minyaka mine idlulileyo. Ukongeza, umvuzo wabo kufuneka, ngendlela efanayo nabasebenzi bekhontrakthi kwisivumelwano esisisigxina, ukubala kusetyenziswa isalathisi.
Ngokubanzi, sinokuthi isiqinisekiso somntu ngamnye samandla okuthenga sichaphazela zonke iiarhente:
- udidi A;
- udidi B;
- udidi C.
Indlela yokubala isiqinisekiso samandla somntu ngamnye?
Ukuba kunokwenzeka ukuthembela kwi-simulator ye-intanethi ukwazi inani le-Gipa onokuyifumana, kusenomdla ukuqonda ukuba ibalwa njani.
Kufuneka kwaziwe ukuba imbuyekezo yesiqinisekiso somntu ngamnye samandla, esiza kuyibiza ngokuba nguG, ibalwa kusetyenziswa isalathiso semivuzo eyonke yonyaka (TBA) kwaye kusetyenziswa le fomyula ilandelayo: G = TBA yonyaka apho ixesha lereferensi liqala ngawo x (1 + ukunyuka kwamaxabiso kwangelo xesha linye ) – TBA yonyaka ukuphela kwexesha elifanayo lereferensi.
Ukuze ubale gross year index imivuzo, okanye i-TBA, le fomula ilandelayo isetyenziswa:
I-TBA = I-IM nge-31 kaDisemba kwiminyaka ekuqaleni nasekupheleni kwexesha lesalathiso x ixabiso lonyaka lenqaku lesalathiso kwiminyaka emibini.
Kuya kufuneka uyazi ukuba iarhente esebenza okwethutyana (okanye hayi ixesha elizeleyo) kule minyaka mine idlulileyo, usenalo ilungelo lokuxhamla kwiGipa ngokomlinganiselo wexesha alisebenzileyo. Ifomula eya kusetyenziswa kule meko iya kuba ngolu hlobo lulandelayo: G = TBA yonyaka apho ixesha lereferensi liqala khona x (1 + ukunyuka kwamaxabiso kulo lonke ixesha lereferensi) – TBA yonyaka apho ixesha lereferensi liphela ngalo ireferensi x ubungakanani lexesha lokusebenza ngowama-31 kuDisemba wonyaka apho ixesha lereferensi liphela.
Ukufumana umbono oqhelekileyo kunye nemikhondo, kufuneka wazi ukuba ixesha lereferensi lisasazwe kwiminyaka emi-4, ukuqala ukubala kwinqanaba likaDisemba 31. Ngokuphathelele amaxabiso onyaka wenqaku lesalathisi, ziyatshintsha unyaka nonyaka. Ngokomzekelo, ixabiso laliyi-56.2044 ngo-2017. Ekugqibeleni, ukunyuka kwamaxabiso okukhoyo ngoku kuthathelwa ingqalelo. izibalo yi-4.36%.
