Funda ukuhlukana okugqithisileyo phakathi kwabahlali abonwabileyo nabangonwabi
Ukuhlala umhlala phantsi kudlalwa njengelungelo lokuphila kunye nokukhathazeka; njengeqhosha lokuwela umgca wokugqibela. Kodwa enyanisweni, umhlala-phantsi ngumnye isigaba sobomi; omnye omele ulungiselele kokubili ngokomzwelo nangokwezemali, njengokuba wenzayo ngokuqalisa intsapho okanye ukuguqula imisebenzi.
Ukulungelelanisa kakuhle kangakanani kuya kunqwenela ukuba uyayithanda kangakanani iminyaka yakho yokusebenza emva. Oku kubalulekile kuba ngokwenene kunokwenzeka ukuba ube nomhlala-phantsi ongonwabi.
Kwimfuno yokufumana iimpendulo ezithile, ndaqhuba uphando olunzulu lwabantu abangaphezu kwe-1,350 abahlala phantsi kumazwe angama-46. Ukufunyanwa kwaba sisiseko sencwadi, Unako Ukuthatha Umhlalaphantsi Kungekudala Kunokuba Ucinga .
Uphando lufumene ulwahlulo oluhlukeneyo phakathi kwabahlali abavuyayo nabangonwabi. Nazi ezinye zezimbangela ezibalulekileyo zokungonwabi kumhlalaphantsi:
1. Ukungaphumeleli Ukuchonga Injongo Yemali Yakho
Abahlali abahlala behlala bevuya kakhulu bayaqonda ukuba ingongoma yokulondolozwa kukuba bakwazi ukuzonwabisa ngezinto abathandayo ngexesha lomhlalaphantsi. Ingaba oku kuhamba okanye ukunikela ngokubangela ukuba sisondele ngakumbi entliziyweni yabo, abahlala phantsi banomdla ngenjongo yemali yabo. Bade badala imbonakalo yabo yeminyaka emva kokufunda. Bayazi ukuba bafuna ukubona ihlabathi. Okanye unayo intaba yentaba. Okanye uqale isiseko. Okanye nje umyezo kwaye ufunde xa bengaphumi kunye nabakhulu. Lo mbono ungashintsha ngaphezu kweminyaka yonke naziphi na izizathu, kodwa xa zithatha umhlalaphantsi, abahlali abahlala behlala bevuya bayaziqonda kakuhle indlela baceba ngayo ukusebenzisa ixesha kunye nemali ngoku.
2. Ukuba neRatio eTyebileyo ngaphantsi kwe-1
I-Rich Ratio ilula kakhulu: Yimalini yemali emva kwentela onayo malunga nemali oyifunayo . Nabani na okwazi ukubala iRatio yabo eVileyo. Yithatha nje imali efunyenwe yenyanga okanye uyenayo kwimali yomhlalaphantsi (Pension Security + pensions + nayiphi na imifudlana eyongezelelweyo yengeniso), kubandakanywa nantoni yakho yenyama, kwaye ulwahlule ngento okulindele ukuyichitha inyanga nganye ukuze uphile umhlala phantsi owufunayo: Unayo / Ufuna = Ulungelelwaniso oluthile.
Umzekelo, uJennifer ufuna ukuhamba ngomhlalaphantsi, ngoko ufuna i-$ 8,000 ngenyanga. Unomhlalaphantsi omncinci kwixesha lakhe esebenzayo nenkampani yenkampani (i-$ 1,000 / inyanga), kunye noKhuselo loLuntu kwi-62 yama-1,800 / ngenyanga. Ugcine i-$ 1,000,000 kwi-401 (k) yayo.
- UJennifer's = = $ 1,000 (umhlalaphantsi) + $ 1,800 (Ukhuseleko lweNtlalo) + $ 4,100 (ama-5 ekhulwini lakhe 401 (k) rhoqo ngenyanga) = $ 6,900
- UJennifer Need = $ 8,000
- I-Jennifer's Rich Ratio = $ 6,900 / $ 8,000 = 0.86
- I-Jennifer's Rich Ratio ingaphantsi kwe-1, ngoko asinakuyicinga ukuba "uyityebi," kwaye iwela kwiqela lethu elingahlali lihlala phantsi.
Ngoku jonga uAron. Ufuna i-$ 4,000 ngenyanga ngenyanga yokuthatha umhlalaphantsi ngokukhawuleza. Ube sele ehlawule indlu yakhe, ngoko uhlala ebolekwa ngemali. U-Aaron unomhlalaphantsi omncinci we $ 1,300 / ngenyanga. Ufumana i-$ 1,800 kwi-Social Security nganye inyanga kwaye unama-400,000 kwi-401 yakhe (k).
- U-Aaron Unayo = $ 1,300 + $ 1,800 + $ 1,650 (iipesenti ezingama-401 (k) rhoqo ngenyanga) = $ 4,750
- Imfuno ka-Aaron = $ 4,000
- Ukulinganiswa kooRondon kaAron = $ 4,750 / $ 4,000 = 1.18
Nangona u-Aaron unemali encinci kwi-akhawunti yakhe yomhlalaphantsi kunye nexabiso elincinci ngaphezu kukaJennifer, ngokuqinisekileyo uyasetyenzwa ukuba abe ngumhlala-phantsi onokuvuya.
3. Ukuhlawula i-Mortgage
Abahlali abaphumayo baye bahlawula imali yabo yokuthenga imali okanye bangaphantsi kweminyaka emihlanu yokuba bahlawulwe xa bethabatha umhlalaphantsi.
Ngakolunye uhlangothi, ipesenteji enkulu yabanqatshelwe umhlalaphantsi abaneminyaka eli-10 okanye ngaphezulu ukuya kwindlu yabo iza kuhlawulwa.
Ngoko ke, ukuba uceba ukufuduka umhlala phantsi, uthenge indlu onokuyihlawula ngokupheleleyo ukuze ungagqithwanga ngeminyaka eyongezelelweyo yokuhlawulwa kwemali. Khumbula, ukuthenga nokufudukela kwindlu entsha kufuna ukuba ihambise iindleko, ifenitshala entsha, iifake, iigubs, i-cable kunye ne-TV-hooks, njl. Iindleko ziyakongeza ngokukhawuleza.
Kwaye phambi kokuba unqume ukuba iikhizi ehlaziywe okanye isakhiwo esiphezulu siya kwenza umhlalaphantsi ujabule, khumbula ukuba nganye iphrojekthi yokuphucula ikhaya ineendlela engafaniyo yokukhokela kwenye iphrojekthi. Ngaphambi kokuba wazi, uphakathi kwendawo yokulungiswa ebalulekileyo kwaye iqhosha elikhulu leqanda lakho lokuhlala umhlala-phantsi liyekile. Gwema oku ngokwenza intuthuko ephezulu ekhaya (kunye nokulungiswa) ngaphambi kokuba uthathe umhlalaphantsi.