Ukuhlola amandla okuthenga ubuningi bezimpahla ezahlukene kanye nezinsiza eziningi umndeni ongaba nazo, uma kubhekwa iholo lawo. Ukwenyuka kwamanani angaphansi kwemali engenayo etholakalayo kuholela ekwenyukeni kwamandla okuthenga. Ngokuhamba kwesikhathi, kungenzeka ukubona ukuthuthuka okukhulu damandla okuthenga asendlini uma imali engenayo inyuswa, kodwa lezi zingase zibe phansi kakhulu ezimweni ezithile. Sisho ukuthini ngempela ngamandla okuthenga asendlini? Yilokho esizokubona ndawonye namuhla!
Ayini amandla okuthenga asekhaya?
Umqondo wezomnotho wamandla okuthenga kumele ucatshangelwe usuwonke owakhiwe ngezinto ezimbalwa, okuyilezi:
- Owendlu yakhe;
- ukusetshenziswa kwayo;
- wemali ayitholayo.
Ngalesi sizathu, i-INSEE icacisa ukuthi "amandla okuthenga ngakho-ke inani lezimpahla namasevisi ukuthi iholo linikeza ithuba lokuthenga”. Amandla okuthenga abe esebalwa ngesisekelo semali engenayo eyisisekelo, okuhlanganisa imali engenayo exubile, kanye nezinzuzo zekhephithali, kukhishwe noma yiziphi izimali ezibanjwayo eziyisibopho.
Ngenxa yalokho, kungenzeka ngokuphelele ukuhlola amandla okuthenga emalini engenayo etholakala ekhaya, ikakhulukazi isilinganiso sawo esisetshenzisiwe. Ngamanye amazwi, yingxenye yemali engenayo etholakalayo futhi eyabelwa ukusetshenziswa esikhundleni sokulondoloza. Ukuze ukwazi ukuziphendukela kwayo kwenani, kufanele ihlaziywe phakathi nenkathi ethile yesikhathi.
Imiphumela yokuziphendukela kwemvelo
Ngokubheka imiphumela, kufanelekile ukubuza okuguquguqukayo okuhlukahlukene okukhona, sikhuluma lapha ngokuvela kweholo lekhaya kanye ukuvela kwamanani entengo. Ukuhlinzeka ngokuhlaziywa okujulile kokuvela kwamandla okuthenga, I-INSEE yethule indlela yeyunithi yokusetshenziswa. Kumele kuqashelwe ukuthi lolu uhlelo lokukala isisindo olunikeza ilungu ngalinye lomndeni i-coefficient, ngaleyo ndlela kwenze kube lula ukuqhathanisa amazinga okuphila izakhiwo zendlu ezahlukene, kuye ngemali engenayo.
Kuyini ukuxhumana phakathi kwesinqumo senani namandla okuthenga?
Kufanele kuqashelwe ukuthi ukwenyuka kwamanani angaphansi kokwenyuka kwemali engenayo kuyisici esihle kubathengi, ngoba kuhlanganisa abanye bayanda wamandla abo okuthenga.
Ngokuphambene nalokho, lapho amanani enyuka ngokushesha kunesilinganiso semali engenayo, amandla okuthenga kuleli cala ayancipha. Ngakho, ukulinganisa umthelela emandleni okuthenga futhi ukwazi ukunquma ukuhlukahluka kwawo, kuyadingeka baqonde ukwakheka kwentengo yemakethe.
Intengo ingumphumela wokuxhumana phakathi kokufunwa (okungukuthi inani lomkhiqizo umthengi alungele ukuwuthenga) kanye nokuhlinzeka (okungukuthi inani lomkhiqizo umthengisi alungele ukuwubeka emakethe ngentengo eveziwe). Uma intengo yomkhiqizo yehla, abathengi maningi amathuba okuthi bafune ukuwuthenga.
Kuthiwani ngodaba lokuhlinzekwa nokufunwa?
Lesi simo sihambisana nethiyori yokunikezwa kanye nesidingo, lapho abathengi nabathengisi besabela ngezindlela ezihlukile lapho amanani ayashintshashintsha emakethe. Lokhu ngokuvamile kungokoqobo, kodwa ezimweni ezimbalwa le ndlela ayisebenzi. Ngempela, ukuphakamisa noma ukwehlisa intengo yomkhiqizo othile akuholeli ngempela ekushintsheni kwamandla okuthenga.
Ukunyakaza phezulu naphansi akuphazamisi imakethe. Ukwazi ukuthi isidingo singakhula ngokufanele (ikakhulukazi uma kwenzeka kushoda), ezikhathini eziningi kulula kakhulukwenyusa intengo yemikhiqizo, ngaphandle kokuphazamisa ukuziphatha kwabathengi nge-vis-à-vis le mikhiqizo efanayo.
Kulokhu, ngokungafani nezinto zokusetshenziswa, izinto ezijwayelekile zinenani eliphakeme lokunwebeka. Impendulo yesicelo ithi ngokuphambene nokushintsha kwentengo, Ngamanye amazwi :
- njengoba amanani enyuka, isidingo sempahla siyehla;
- uma kwenzeka intengo izokwehla, isidingo sempahla sizokhula.
Kodwa-ke, uma imali engenayo ingakhuli ngokulingana, imindeni kufanele yenze izinqumo ukunciphisa ukusetshenziswa kwezinye izimpahla. Ngenxa yalokho, imali eyengeziwe evame ukusetshenziswa ezimpahleni “ezijabulisayo” iphumela ezinombolweni ezingezinhle.
