njhopy;

xU njhopyplj;ijj; Njbf;nfhs;sy;

njhopy; re;ijf;Fs; EiotJ rl;lhPjpahf xOq;F nra;ag;gl;Ls;sJld; ,J tjptl mDkjpapYk; jq;fpAs;sJ. xU njhopiyf; fz;liltjw;F> tpj;jpahrkhd xd;Wld; xd;W NrHe;J nraw;gLj;jf;$ba NjLk; tpjq;fs; ghpe;Jiuf;fg;gLfpd;wJ:

  • njhopiyf; fz;lila ,izaj;jsj;jpy; NjLjy;>
  • eLepiya NjLk;jsj;ijg; ghtpj;jy;
  • ePq;fshNt tpz;zg;gq;fis epWtdq;fSf;F mDg;Gjy;>
  • njhopy; Njbf;nfhLf;Fk; mYtyfq;fSld; njhlHig Vw;gLj;jy;
  • cq;fs; #oypy; cs;s egHfSld; ,Jgw;wpf; fijj;jy;>
  • gj;jphpiffspy; tUk; njhopy; tha;g;GfSf;F ePq;fshfNt tpz;zg;gpg;gJ>
  • cq;fis xU gpuNjr njhopy; Njbf;nfhLf;Fk; eLepiyaj;jpy; (RAV) gjpTnra;jy;.

Rtprpy; ehd; vt;thW xU njhopYf;F tpz;zg;gpj;Jf; nfhs;tJ?

Rtprpy; njhopYf;fhd xU tpz;zg;gj;jpd;NghJ vOj;J tbtpy; tho;f;ifr; rhpjk; kw;Wk; vOj;J tbtpy; xU Cf;Ftpg;Gf; fbjj;ijf; nfhLf;f Ntz;Lk;. ,e;j tpz;zg;gj;jpd;NghJ Kf;fpakhf Kd;ida njhopy; toq;Fdhpd; ew;rhd;wpjo; kw;Wk; njhopy; Ghpe;jikf;fhd cWjpg;gLj;jy;fs;> njhopw;fy;tp rhd;wpjo;fs; mj;Jld; bg;Nshk; Nghd;witfis me;jf; Nfhitf;Fs; itf;f Ntz;Lk;. gyNtisfspy; ,g;gbahd tpz;zg;gq;fis ,izatopapy; mDg;g Ntz;b Vw;gLk;.

xU njhopy; tpz;zg;gf;Nfhitiaj; jahHgLj;Jtw;fhd gpuNahrdkhd tpguq;fis ePq;fs; ,izaj;jsj;jpy; ngw;Wf;nfhs;syhk;.

ntspehl;L bg;Nshkhit mq;fPfhpj;jy;

tpj;jpahrkhd ntspehl;L bg;Nshkh kw;Wk; njhopw; fy;tpfs; Rtprpy; mq;fPfhpf;fg;gLfpd;wd. xt;nthU ngWNgWfisg; nghWj;J> gpd;tUk; epiyaq;fNshL njhlHGnfhs;Sq;fs;:

Cjpak; kw;Wk; r%ff; nfhLg;gdTfs;

Rtprpy; KO Cjpak; toikahf kpfTk; caHthf ,Uf;Fk;> ,J tho;f;ifr; nryTf;Fk; nghUe;Jk;. midj;J Ntiy tha;g;GfSf;Fk; rl;lg;gb nry;YgbahFk; Mff; Fiwe;j Cjpak; vd;wpy;iy. rpy epWtdq;fs; KOtJkhd njhopy; xg;ge;je;jpd;gb jPHkhdpj;Jf; nfhs;fpd;wd. Cjpaj;jpypUe;J fl;lha nfhLg;gdTfshf tajhdNghJ kw;Wk; tpl;Lr;nry;NthUf;fhd fhg;GWjp (AHV)> njhopy; nra;a ,ayhky; NghFk;Nghjhd fhg;GWjp (IV)> njhopy; ,og;Gf; fhg;GWjp (ALV)> kw;Wk; tpgj;Jf; fhg;GWjp (UV) fopf;fg;gLk;. rht;ft;rd; khepyj;jpy; njhopy; nra;NthUk; njhopy; toq;FNthUk; khepy hPjpahd r%fj; jpl;lj;jpw;F xU njhifia nrYj;Jfpd;wdH. tUlhe;j tUkhdk; 20‘000.- gpuhq;fpw;F Nkyhdhy;> Nkyjpfkhd gq;fspg;ghf njhopy; guhkhpg;G (2.tJ Jhz; vd miof;fg;gLtJ) AHV Tf;Fg; gjpyhff; fopf;fg;gLk;. KOtJkhf fl;lhakhfr; nrYj;j Ntz;ba r%ff; nfhLg;gdTfshf Cjpaj;jpy; Vwf;Fiwa 15-20% khf mikAk;.

njhopiy ,oe;jhy;

xUtH Rtprpy; trpj;J kw;Wk; ngz; njhopyhspahf my;yJ Mz; njhopyhsuhf ,Ue;J njhopiy ,og;ghuhf ,Ue;jhy; -mj;Jld; Njitg;gLk; epge;jidfSf;F cl;gl;L ,Ue;jhy;- ehshe;jf; nfhLg;gdit (Taggelder) fhg;GWjpapypUe;J ngWtjw;F chpj;JilatuhtH. ,e;j ehshe;jf; nfhLg;gditj; jPHkhdpg;gjw;fhd Kf;fpa epge;jidahf> xU nry;Ygbahd tjptpl mDkjp mNjNghd;W ,jw;fhf tpz;zg;gpg;gjw;F Kd;G fle;j ,U tUlq;fspy; Fiwe;jJ 12- khjq;fs; njhopy;Ghpe;jpUf;f Ntz;baJ mike;jpUf;Fk;. xU njhopy; nra;j fhyk; Kbe;j gpd;G cldbahf kPsTk; xU njhopiyg; ngw Kbahtpl;lhy;> ePq;fs; cldbahf – kpf ey;yJ> Ntiyia epWj;jg;NghFk; fhy vy;iyapd;NghJ – gpuNjrhPjpahd njhopy; Njbj;jUk; epiyaj;jpy; (RAV) gjpT nra;Aq;fs;. mq;F ePq;fs; mLj;J vd;d nra;aNtz;Lk; vd;w tpguq;fisg; ngw;Wf;nfhs;tPHfs;.

njhopYf;fhd epge;jidfs;

Rtp]; jdJ rpwg;ghd njhopy; epge;jidfisf; nfhz;Ls;sJ gyUk; mwpe;jNj. xt;nthU njhopy; kw;Wk; gFjpfisg; nghWj;J ,it tpj;jpahrkhf jPHkhdpf;fg;gl;bUf;Fk;. mKypYs;s njhopy; epge;jidfis Neufhyj;Jld; ePq;fs; mwpe;J nfhs;Sq;fs;. njhopy; xg;ge;jj;jpy; nra;aNtz;ba Ntiy> Ntiy Neuk;> xj;jpiff; fhyk;> Ntiy ePf;fj;Jf;fhd fhy vy;iy> tpLKiw> Cjpak;> njhopy; ghJfhg;Gf; fhg;GWjp kw;Wk; Xa;t+jpag;gzk; epHzapf;fg;gl;bUf;Fk;. rpy Fwpg;gpl;l gFjpfspy; KOtJf;Fkhd njhopy; xg;ge;jk; (GAV) eilKiwapy; ,Uf;Fk;. (GAV) vd;gJ vOj;J%ykhd xg;ge;jk;> ,J jdpg;gl;l my;yJ gy toq;FeHfs; my;yJ mtHfsJ njhopy; rq;fq;fs; kw;Wk; njhopyhsH mikg;GfSf;F ,ilahf Nkw;nfhs;sg;gLk;. ,jpy;> njhopy; toq;FgtHfs; kw;Wk; njhopyhsHfSf;F ,ilNaahd epge;jidfs; mNjNghd;W GAV d; xg;ge;jf;fhuHfs; tpjpf;Fk; epge;jidAk; mlq;fpapUf;Fk;.

NtiyapypUe;J epWj;Jtjw;fhd ghJfhg;G

njhopyhsHfs; Neha;> tpgj;J> fHg;gk;jhpj;jy; my;yJ jhahFjy; Nghd;wtw;wpd;NghJ NtiyapypUe;J epWj;JtjpypUe;J rl;lj;jhy; ghJfhg;G toq;fg;gl;Ls;sJ. ,t;tifahd fhyq;fspy; NtiyapypUe;J epWj;JtJ toikahfg; gpioahdJ. NtW fhuzj;jhy; NtiyapypUe;J epWj;JtJ J\;gpuNahfg;gl;L xU njhopyhsH my;yJ njhopyhsp me;j epWtdj;jpy; fl;lhakhf kPsTk; NrHj;Jf; nfhs;sg;glhtpl;lhy;> ePjpkd;wj;jhy; xU ,og;gPl;Lj; njhif toq;FkhW Nfl;fg;glyhk;.

fsthf Ntiy nra;jy;

vtuhtJ> ,ilf;fpilNa nra;Ak; Ntiyahf Jg;guthf;fy;> gps;isfisg; guhkhpj;jy;> tPl;L- kw;Wk; Njhl;l NtiyfSf;F Cjpak; ngWthHfshf ,Ue;jhYk;> mJ njhopy; GhptjhfNt fUjg;gLk;. mtH my;yJ mt ntspehl;ltUf;fhd rl;lhPjpahd mDkjpia itj;jpUg;gJld; r%ff; fhg;GWjpapy; gjpTnra;ag;gl;bUf;f Ntz;Lk; (my;yJ jhNd nrhe;jkhf gjpe;J nfhs;s Ntz;Lk;)> ,t;thW ,y;yhtpbd; mJ rl;lj;jpw;F vjpuhd njhopy; my;yJ fsthf Ntiy vdf; fUjg;gLk;. xU egH> fsthf Ntiy nra;jhy;> ,ayhky;NghFjy;> tpgj;J my;yJ njhopy; ,og;G cjtpf;fhd tplaq;fspy; fhg;GWjp nra;ag;gl;bUf;f khl;lhH. ,jd; tpisT ghuJhukhdjhf mikAk;. mjhtJ xU njhopyhshpd; ed;ik fUjp gjpT nra;Jnfhs;tJ mtrpakhFk;.