UMarion V.
Ingabe uphupha ngokuthuthuka kwezezimali kwe-1500 €? Awu, ungabe usabheka okunye! Kulesi sihloko, sizokwambulela zonke izimfihlo ze thola usizo olukhethekile ku-CAF. Kungakhathaliseki ukuthi ungumfundi ophukile, umzali omatasatasa, noma ufuna nje imali embalwa eyengeziwe, lolu sizo lungaba yisixazululo sazo zonke izinkinga zakho.
Ngakho-ke, zilungiselele ukuthola ukuthi ungasifaka kanjani isicelo salesi samba esifiselekayo futhi ekugcineni uqaphele amaphrojekthi akho ahlanya kakhulu. Ungaphuthelwa leli thuba elihle, ngoba njengoba besho: Imali ayithengi injabulo, kodwa inikela kakhulu!«
Uhlu lokuqukethwe
Iluphi usizo olukhethekile luka-€1500 oluvela ku-CAF?
La Isibonelelo somndeni (I-CAF) iyisikhungo esihlonishwayo saseFrance esidlala indima ebalulekile ekunikezeni usizo lwezezimali olubalulekile emindenini esebunzimeni. Cabanga ngomsebe wokukhanya kwelanga uhlaba amafu phakathi nesiphepho; Lona kanye indima edlalwa yiCAF kulabo ababhekene nezikhathi ezinzima.
Ngokuhambisana nokuzibophezela kwayo okungaguquki ekusizeni imindeni esebunzimeni, i-CAF yethule entsha usizo olukhethekile lwe-1500 €, hhayi njengesipho, kodwa njengemalimboleko. Lolu sizo luhloselwe ikakhulukazi imikhaya enesizotha, leyo edonsa kanzima ukuze iziphilise, labo abafisa ukuphila okungcono kodwa abadinga usizo ukuze bayifinyelele.
Inhloso yalolu sizo ukusekela ukufezeka kwamaphrojekthi womuntu siqu noma ochwepheshe. Kungakhathaliseki ukuthi ukwenza ikhaya libe nesibopho semvelo kakhudlwana, ukuxhasa ngezimali ukuqeqeshwa kochwepheshe okuzovula amathuba amasha emisebenzi, noma ukusiza ukuqala ibhizinisi, lolu sizo lungaba isisekelo oyidingayo ukuze ufinyelele imigomo yakho.
Kodwa akugcini lapho! Ngaphezu kwalolu sizo olukhethekile luka-€1500, a imalimboleko eyengeziwe ye-1000 € kunganikezwa futhi, ngaleyo ndlela kube nokwenzeka ukunikeza ukwesekwa okukhulu nakakhulu kulabo abakudinga kakhulu. Futhi kulabo abafuna ukuthola umsebenzi noma ukuhlanganisa umsebenzi, i-CAF iphinde inikeze a iphakethe elikhulu lokuhamba lika-€200 ukwenza lula ukunyakaza.
I-CAF iyazi ukuthi zonke izinyathelo ezincane zibalulekile uma kuziwa ekuthuthukiseni isimo sayo nokuqhubekela phambili. Ngakho-ke, le mali ebolekiwe eyi-1500 €, elekelelwa enye imali ebolekiwe kanye nephakheji yokuhamba, iyithuba elihle lokuthatha isinyathelo esilandelayo ohambweni lwakho, kungaba ngeleveli yomuntu siqu noma yobungcweti.
Uma uzibuza ukuthi ungalufanelekela kanjani lolu sizo, hlala nathi, ngoba esigabeni esilandelayo sizochaza ukuthi ungasifaka kanjani isicelo nokuthi ubani ongazuza kulolu sizo olungavamile.
| isisekelo | October 4 1945 |
| Izifinyezo | I-Caf, i-Caf |
| Uhlobo | Indikimba yomnyango waseFrance |
| Isihlalo | France |
Obani abangazuza kulolu sizo?
Ake ucabange. Uyisakhamuzi saseFrance, usebenza kanzima ukuze uziphilise. Izifiso zakho zinkulu, kodwa izinsiza zakho zilinganiselwe. Futhi kulapho umbuso ungena khona, unikeza umzila wokuphila ngendlela yosizo lwezezimali. Ngempela, zonke izakhamuzi zaseFrance, kungakhathaliseki ukuthi zivelaphi noma zidabuka kuphi, zinelungelo lokuthola usizo lwezenhlalakahle. Lolu sizo lusekelwe esimweni senhlalo yomuntu ngamunye futhi luhlose ukusiza labo abaludinga kakhulu.
Manje ungase uzibuze, "Ingabe ngiyalufanelekela lolu sizo?" Impendulo ilele ku- isilinganiso somndeni we I-CAF. Ukuze ufaneleke ukuthola lolu sizo olukhethekile luka-€1500, isabelo somndeni wakho akumele sidlule u-€1000 ngesikhathi sokufaka isicelo. Kodwa yini i-quotient yomndeni? Kuyithuluzi elisetshenziswa yi-CAF ukunquma izinzuzo onegunya lazo. Kucabangela imbuyiselo yakho yentela, ukwakheka kwekhaya lakho kanye nenani lezingane ezibondliwayo.
I-quotient yomndeni ayisetshenziselwa kuphela ukunquma ukufaneleka kwakho kulolu sizo. Futhi idlala indima enkulu ekulungiseni amanani entengo yezinsiza ezifana nenkantini yesikole nemisebenzi yangemva kwesikole. Ngaphezu kwalokho, inikeza izinzuzo zentela kubakhokhi bentela abanezingane ezibondliwayo. Ngamafuphi, i-quotient yomndeni iyindlela yokuhlinzeka ngokuhlolwa okulungile kwezinzuzo ngokusekelwe ezinsizeni zasekhaya kanye nokwakheka.
Kubalulekile ukuqaphela ukuthi i-CAF iyakubona ukuthi isimo ngasinye sihlukile. Kungakhathaliseki ukuthi ungumama ongayedwana, ungumfundi noma usuthathe umhlalaphansi, i-CAF icabangela isimo sakho siqu futhi yenza konke okusemandleni ukukusiza ukuba unqobe izinselele zakho zezimali. Ngakho nakuba inqubo ingase ibonakale inzima, ungangabazi ukufaka isicelo. Khumbula, zonke izinyathelo ezincane zibalulekile ekuthuthukiseni isimo sakho sezezimali.
Ungasifaka kanjani isicelo salolu sizo?
Ukuqhubeka nenqubo yokufaka isicelo sesibonelelo se-CAF esingama-euro angu-1500 kungase kubonakale kunzima, kodwa ungakhathazeki, silapha ukuze sikudlulise isinyathelo ngesinyathelo. Okokuqala, kufanele uxhumane neyakho inhlangano yosizo lwezenhlalakahle. Lesi sinyathelo sibalulekile ngoba kungale nhlangano lapho isicelo sakho sizocutshungulwa khona.
Uma usuthathe lesi sinyathelo sokuqala, isicelo sakho sibhekwa ngokucophelela yi-ejenti ezinikele evela kwinkonzo yokungenelela komphakathi ye-CAF. Lo menzeli uqeqeshelwe ukuqonda isimo sakho futhi anqume ukuthi uyalufanelekela yini lolu sizo noma cha. Kubalulekile ukuqaphela ukuthi i- ikomiti lezenhlalakahle nelomndeni uyena onezwi lokugcina mayelana nokugunyazwa kwesicelo sosizo olukhethekile.
Lapho uthumela isicelo, kubalulekile ukunikeza ikhotheshini noma i-invoyisi elinganisela inani lephrojekthi yakho. Le mibhalo iyadingeka ukuze i-CAF ikwazi ukuhlola ngokunembile ukuthi udinga malini kuphrojekthi yakho. Iphinde ivumele i-CAF ukuthi iqinisekise ukuthi usizo olunikezayo lusetshenziswa ngendlela efanele.
Uma isicelo sakho sivunyiwe yi-CAF, ungaphefumula. Usizo luzokhokhwa kumbolekisi noma kuwe ngqo. Lapha, i-CAF ikhombisa ukuguquguquka ekuvumeleni izimali ukuthi zisetshenziswe ngendlela ephumelela kakhulu.
Kubalulekile ukuqaphela ukuthi lolu sizo, nakuba lukhulula kakhulu, luyimalimboleko okufanele ibuyiselwe. Izimo zembuyiselo zisekelwe emandleni esabelomali somndeni. Inani elincane lokukhokha lanyanga zonke lingu-€30 futhi isikhathi esiphezulu sokukhokha izinyanga ezingu-36. Lolu ulwazi olubalulekile okufanele ulukhumbule lapho uhlela ukukhokha imali ebolekiwe.
Kafushane, inqubo yokucela usizo olukhethekile ku-CAF iwuchungechunge lwezinyathelo ezichazwe kahle nezihlelekile. Zonke izinyathelo zenzelwe ukuqinisekisa ukuthi labo abaludinga ngempela bathola usizo olubafanele. Ngakho ungangabazi ukuthatha isinyathelo sokuqala futhi ucele lolu sizo uma ucabanga ukuthi ungazuza kulo.
Zitholele >> Uzoyithola nini ibhonasi ka-2023 yokubuyela esikoleni?
Yiziphi izimo zokubuyiselwa imali?
Kubalulekile ukuqonda ukuthi ibhonasi ye-CAF ehlukile akusiwo umnikelo, kodwa a loan. Ngakho, umthwalo wakho uwukuqinisekisa imbuyiselo yayo. Kodwa qiniseka, izimo zokubuyisela ziklanywe ngokuhlonipha iqiniso lezomnotho lemindeni. Babheka amandla akho esabelomali, ukuze bangabhebhethekisi ubunzima bakho bezezimali.
Inani lokukhokha lanyanga zonke alinqunyiwe. Ngempela, inani elincane lemali lokukhokha lanyanga zonke 30 €. Lokhu kusho ukuthi noma ngabe izindlela zakho zilinganiselwe, i-CAF ikunikeza ithuba lokubuyisela imali oyibolekile ngenani elihlonipha isimo sakho sezezimali.
Ngaphezu kwalokho, isikhathi esiphezulu sokukhokha siyi Izinyanga ze-36. Lo mnqamulajuqu uhlelelwe ukukunikeza inkululeko eyanele yokukhokha imali oyibolekile ngaphandle kokukufaka esimeni esibucayi sezimali.
Kubalulekile ukuqaphela ukuthi isikhathi sokukhokha asikwazi ukweqa umnqamulajuqu owaziwayo wezinzuzo ze-CAF. Lokhu kusho ukuthi ubude besikhathi semalimboleko yakho buzohlala buhambisana nesikhathi sezinzuzo zakho. Ngakho i-CAF iqinisekisa ukuthi ngeke kudingeke ukuthi ukhokhe imali oyibolekile uma izinzuzo zakho seziphelile.
Ngakho-ke, izimo zokukhokha zenzelwe ukukusiza ukuthi unqobe izinkinga zakho zezezimali ngaphandle kokukufaka esimweni esibucayi kakhulu. Inhloso ukukunikeza ukwesekwa kwezimali kwesikhashana kuyilapho uhlonipha amandla akho okukhokha.
Zitholele >> Ngingayithola kuphi ikhodi yesiqashi namanye amakhodi abalulekile okufaka isicelo sosizo lwezindlu?
Isiphetho
I-Caisse d'Allocations Familiales (CAF) iyinsika esekela imindeni nabantu ngabanye abasebunzimeni, ibanikeza umzila wokuphila ngendlela yosizo olukhethekile lwama-euro angu-1500. Ake ucabange ukuthi uzithola usesimweni esibucayi sezimali, lapho i-euro ngayinye ibalwa khona. Yilapho lolu sizo oluvela ku-CAF lungena khona, njengesibani ebusuku, ukuze kukhanyise indlela yakho ekuzinzeni kwezezimali.
Isihluthulelo sokuvula lolu sizo sitholakala ku-quotient yomndeni wakho, okungafanele idlule ama-euro angu-1000 ngesikhathi sokufaka isicelo. Kungakhathaliseki ukuthi kuyindlela yesibonelelo noma imalimboleko, noma ngisho nemalimboleko eyengeziwe yama-euro angu-1000, lolu sizo lumelela ukukhanya kwethemba kulabo abadinga usizo. Kodwa wazi kanjani ukuthi uyafaneleka? Kulapho kufika usonhlalakahle ozinikele ovela eMnyangweni Wokungenelela Komphakathi we-CAF, obuyekeza ngokucophelela isicelo ngasinye ukuze aqinisekise ukuthi usizo luya lapho ludingeka khona kakhulu.
Isinqumo sokugcina mayelana nokugunyazwa kosizo sincike ekutheni Ikhomishana Yesenzo Senhlalo Nemindeni. Ukufaka isicelo, abafakizicelo kumele banikeze isilinganiso, isilinganiso noma i-invoyisi ehlobene nephrojekthi yabo. Cabanga nje udinga ukulungisa imoto yakho ukuze ukwazi ukuya emsebenzini. Kulokhu, i-invoyisi yokulungisa izimoto izoba idokhumenti efanelekile okufanele ihlinzekwe.
Uma usizo selugunyaziwe, i-CAF ilukhokhela ngqo kubakweletayo noma kuwena, kuye ngokuhlolwa okwenziwa usonhlalakahle. Kodwa, kufanele kukhunjulwe ukuthi lolu sizo, nakuba luwusizo olukhulu, alusona isipho. Kufanele ibuyiselwe, kube nezimo zokubuyisela ezivumelaniswe namandla esabelomali somuzi ngamunye. Inani lokubuyisela alikwazi ukuba ngaphansi kwama-euro angu-30 ngenyanga futhi isikhathi sokukhokha asikwazi ukudlula izinyanga ezingu-36. Kubalulekile ukuqaphela ukuthi ukubuyiselwa kwemali kufanele kuqedwe ngaphambi komnqamulajuqu owaziwayo wokuba nelungelo lezinzuzo ze-CAF.
Ngakho-ke, usizo olukhethekile lwama-euro ayi-1500 oluvela ku-CAF luyisandla eseluliwe ukukusiza unqobe ubunzima bezezimali. Usekelo oluhlonipha ikhono lakho lokubuyisela futhi lukunikeza ukuguquguquka kokulusebenzisa lapho uludinga khona kakhulu.
Ukufunda >> Kungani isicelo sami selayisense yokushayela sinqatshiwe? izizathu nezixazululo
Imibuzo Evame Ukubuzwa
Usizo olukhethekile lwama-Euro ayi-1500 oluvela ku-CAF luwusizo lwezezimali olunikezwa amakhaya asebunzimeni. Ihlose ukusekela ukufezeka kwemiklamo yomuntu siqu noma yobungcweti yezakhamizi ezinesizotha kakhulu kanye nokukhuthaza ukuhlanganiswa kwazo kwezenhlalo nezomsebenzi.
Ukuthola usizo olukhethekile lwe-€1500 ku-CAF, kufanele uxhumane nenhlangano yakho yosizo lwezenhlalakahle. Isicelo sakho sizohlolwa yi-ejenti yesevisi ye-CAF yokungenelela komphakathi. Ikhomishana Yezenzo Zezenhlalakahle Nomndeni inesibopho sokugunyaza isicelo sosizo olukhethekile.
Ukuze ufaneleke ukuthola usizo olukhethekile lwama-Euro ayi-1500 oluvela ku-CAF, isabelo somndeni wakho akumele sidlule u-€1000 ngesikhathi sokufaka isicelo. Isabelo somndeni sibalwa ngesisekelo sembuyiselo yakho yentela, ukwakheka komuzi wakho kanye nenani lezingane ezibondliwayo.
Yebo, usizo olukhethekile lwe-€1500 oluvela ku-CAF lunikezwa ngendlela yokubolekwa imali. Imigomo yokukhokha isekelwe kumthamo wesabelomali somndeni wakho. Inani elincane lokukhokha lanyanga zonke lingu-€30 futhi isikhathi esiphezulu sokukhokha izinyanga ezingu-36. Imbuyiselo ayikwazi ukweqa umnqamulajuqu owaziwayo wezinzuzo ze-CAF.
