Xa uthengwa eFinland, ungasebenzisa ihhafu yerhafu. Inkokhelo yentlawulo yerhafu yerhafu eyongeziweyo, ejoliswe ekuqhubeni iinkqubo zentlalo (xa kuthengiswa iimpahla ngaphandle kwemarike yangaphakathi ye-EU). Kwaye ekubeni abavakhenkethi abanako ukusebenzisa le nkqubo, i-EU iyabuyisela i-overload, ikhuphe iipesenti ezithile zokuqhuba imisebenzi. Kwamazwe amaninzi aseYurophu, ukubuyiswa kweMali yeNkcazo ihambelana nale nto, kwiiofisi apho, imali ikhutshwe.
Kwinqaku, siya kuqwalasela imigaqo yokuthenga, zingaphi ipesenti imimiselo nemiqathango yokubuyela kweFinland.
Ndingayithenga ntoni na?
Malunga neenqwelo zeevenkile ezili-3 eFinland, isebenza kwinkqubo yerhafu yamahhala, unokufumanisa ngoku ngeempawu ezikhethekileyo emnyango, unokuthenga:
- iimveliso zokutya, ngaphandle kwemveliso yexuba kunye notywala;
- iimveliso ezingezizo ukutya (izambatho, i-electronics, i-chemistry), ngaphandle kweencwadi.
EFinland, ngokuba iinkonzo ezinikezelweyo (ubuhle be-salon, ukuqashisa imoto, ihotele) musa ukufumana irhafu engenayo irhafu, ngoko awuyi kukwazi ukubuyisela imali.
Indlela yokwenza ukuthenga okuchanekileyo?
Ukuba xa usuka kweli lizwe, unayo ingxaki yokubuyisa irhafu ngaphandle, xa uthengwa ufuna:
- ukuthenga kuthengi kunye nomqondiso othi "Intlawulo yeRhafu yeRhafu yeNtlawulo yeHlabathi";
- ingabi ngummi weliphi na ilizwe le-EU, akanalo imvume yokuhlala okanye imvume yemisebenzi;
- yenza ukuthenga isamba esingaphezu kwe-40 zama-euro (ngokutya kunye nezinto ezingezizo ukutya, iireki kufuneka zihluke);
- thabatha irisidi yokuthenga;
- ukucela ukufumana irhafu yerhafu, oku kuza kuyidinga ukubonisa ipasipoti yakho (qiniseka ukuba irisidi ibonisa intengo yokuthenga, inani lembuyiselo kunye nenani leepakethe);
- ipakethe kwithengi yokuthengwa, tyikitye nge-tape ekhethekileyo uze unamathisele inombolo yeresi.
Kwivenkile nganye eFinland kukho iibhile zokubala isantya sefries, njengoko imali yokubuyisela imali (10-16%) ixhomekeke kwisixa esichithwe, umthengisi uya kubhala kwi-risithi enikwe yona.
Ukubuyiselwa kwemali
Unokubuyisela imali nayiphi na indawo yokukhutshwa kweerhafu, apho eFinland ihlale ikhona kumaphuzu emida emva kokupasa ipaspoti okanye kwisikhululo sokulinda kwesikhumulo sezindiza.
Unokwenza oku kuphela emva kokuba udlule ukulawulwa kwamasiko, apho kufuneka ubeke uphawu. Qaphela, ukuba ubeka impahla kwimithwalo yakho, awuyi kukwazi ukufumana imali, ngoko kungcono ukuthwala le nto ngokuthenga umthwalo. Ukuze ufumane imali, kubalulekile ukubonisa:
- ukufumana iifrikhi zerhafu (isitampu ngamasiko);
- irhafu yemali;
- yakho ipaspoti;
- iimpahla, rhoqo kwiipakethe ezingaphazamiseki.
Ixesha lokubuyiselwa kweerhafu eFinland liphela kwiinyanga ezintathu emva komhla wokuthenga, ngoko ke ukuba ungeke ukwazi ukukwenza ngokukhawuleza, ngoko ungathumela irisithi enetampu okanye kwiiofisi ze-Global Refund ofisi, ezikuloo ndawo.
Inkqubo yexesha eliqhelekileyo leFransi lihlukile kwezinye iindawo, umzekelo, iSpeyin , Italy kunye neJamani .