Amazwe aseYurophu aqalise uluhlu lwemigaqo-nkqubo kunye nemilinganiselo kwiukonga ekhayaukukhuthaza nokuxhasa ukongiwa kwekhaya.Kwinqaku elilandelayo, siza kuqwalasela imigaqo-nkqubo yokonga yamva nje kumazwe athile aseYurophu.
Okokuqala, makhe sijonge eJamani.IJamani ibisebenzela ukukhuthaza amakhaya ukuba onge, kwaye ibonelele ngenkuthazo yerhafu ukunceda amakhaya onge imali.Umzekelo, ingeniso yenzala yomntu ayihlawuli rhafu phakathi kwemida ethile.Ukongeza, ukuze kuncedwe iintsapho zibe nomlinganiselo othile wokhuseleko lwezemali emva kokuthatha umhlala-phantsi, iJamani iye yasungula isicwangciso sokulondoloza umhlala-phantsi kumntu ngamnye ukuba athathe inxaxheba ngokuzithandela.Le nkqubo ikhuthaza abantu ukuba balungiselele iimfuno zabo zemali xa bethatha umhlala-phantsi.
IFransi iphinde yathatha uthotho lwamanyathelo okukhuthazaukonga ekhaya.Banikezela ngeentlobo ezahlukeneyo zeiimveliso zogcino, kuquka iidipozithi ezimiselweyo, izicwangciso zeinshorensi yokonga, kunye nezicwangciso zokonga imali.Ezi mveliso zibonelela amakhaya ngeendlela zokulondoloza umngcipheko omncinci.
Ukongeza, iFransi isungule inani lezicwangciso zokugcina izindlu ukunceda iintsapho zonge imali yokuthenga amakhaya.Ezi nkqubo zinokubonelela ngemali eyongezelelweyo kwaye zinciphise umthwalo kumakhaya kwimali mboleko yezindlu.
I-UK lelinye ilizwe eligxile kugcino lwendlu.Urhulumente wase-UK ubonelela ngeendlela ezahlukeneyo zokulondoloza amakhaya, ezona zidumileyo zi-Individual Savings Accounts (ISA).I-ISA sisicwangciso sokonga utyalo-mali olungahlawulelwa rhafu.Abantu ngabanye banokubeka isixa esithile sogcino kwi-akhawunti kwaye banandiphe iimbuyekezo ezingahlawulelwa rhafu.Ukongeza, i-UK ikwabonelela ngezicwangciso zogcino lwetyala lesizwe elinomngcipheko ophantsi kunye nezicwangciso zomhlalaphantsi.Le migaqo-nkqubo ikhuthaza amakhaya ukuba onge kwaye abonelele ngokhuseleko lwemali kwixa elizayo.
I-Netherlands ikwalilizwe elixabisa ukongiwa kwekhaya.Urhulumente waseDatshi ubonelela ngenani lee-akhawunti zogcino-mali zomntu ezingahlawulelwa rhafu (Particuliere Spaarrekening) ukongiwa kwekhaya.Ezi ngxelo zinokunceda iintsapho zakhe ubutyebi kwaye zibonelele ngokhuseleko lwemali kwikamva.Ukongeza, iNetherlands iphinde yasungula iimveliso zogcino-mngcipheko ophantsi kunye nezicwangciso zokulondoloza umhlalaphantsi ukunceda iintsapho zifezekise iinjongo zogcino lwexesha elide.
Ngokubanzi, amazwe ahlukeneyo aseYurophu anemigaqo-nkqubo yogcino lwemizi eyahlukeneyo ejolise ekukhuthazeni ukonga ekhaya kunye nokubonelela ngokhuseleko lwezemali.Le migaqo-nkqubo ibonelela ngeendlela ezahlukeneyo zokonga kwaye ibonelele ngenkuthazo yerhafu kunye nezinye izibonelelo.Nangona kunjalo, imigaqo-nkqubo kunye nemilinganiselo ethile inokutshintsha nangaliphi na ixesha, ngoko nceda uhlale unolwazi ngemigaqo-nkqubo efanelekileyo kwilizwe lakho ukuze ufumane ulwazi lwamva nje ukuze wenze izigqibo ezingcono zemali.
Ixesha lokuposa: Nov-23-2023