Uqala ngokubala inani lemali oyifunayo ukuyisebenzisa ngenyanga. Le yona nyathelo ebalulekileyo ongayithatha. Ukuba ufuna ukuchitha ngaphezulu kumhlala phantsi, ngokucacileyo, kuya kufuneka ukuba ugcinwe ngaphezulu.
Kwakhona, ubudala bakho bokuthatha umhlalaphantsi kuya kuba nefuthe elikhulu ekufuneka ufumane. Ukuba ufuna ukuthatha umhlalaphantsi kusasa kufuneka udalwe kakhulu kunomntu oceba ukwenza ixesha elide.
Amanyathelo amane angezantsi aya kukunceda ufike ngokulinganisela kwakho imali enokuyidinga ukuba uthathe umhlalaphantsi.
1. Linganisa iindleko zoMhlalaphantsi
Isinyathelo sakho sokuqala kukuqikelela iindleko zakho zomhlalaphantsi ; ukuba ucinga ukuba uza kuchitha njani unyaka ngamnye ngomhlalaphantsi, kuquka uqikelelo lweerhafu oza kuhlawula umvuzo. Enye indlela elula yokuqala kukujonga i-pay home home pay. Kucinga ukuba uchitha i-home pay pay yakho ngenyanga, oko kukuqala ukuqikelelwa kokusebenzisa ukufikelela kwindleko yenyanga oyifunayo kumhlalaphantsi. Emva koko jonga oko uchitha kuyo. Ezinye izinto zingatshintsha xa usuhlala phantsi. Umzekelo wokucoca oomileyo unokuhla, kodwa uhambo luya kunyuka. Qinisekisa ukuphepha iimpazamo zebhajethi eziqhelekileyo , ezifana nokulibala ngezinto ezingenziyo rhoqo njengezilungiso ezinkulu zasekhaya, iintlawulo ze-inshorensi zonyaka, okanye umsebenzi wamazinyo wexesha elingasetyenziswa.
2. Umzobo ophuma phi Imali eya kuvela kwimithombo eqinisekisiwe
Kuya kubaluleka ukuba ufumane ingeniso emali yomhlalaphantsi oya kuba nayo kwimithombo eqinisekisiwe . Ezibandakanya imithombo yemali efana neepensheni, ukhuseleko lweNtlalo, kunye neentlawulo zenyanga zonyaka onokufumana. Ingeniso eqinisekisiwe enayo, enye imali eyongeziweyo oyifunayo.
Uya kuthelekisa le ngeniso kwiindleko zakho zomhlalaphantsi. Okungenani ubuncinci beendleko zakho zomhlala-phantsi ezihlawulwayo zifunyenwe ngeniso eliqinisekileyo ngelixa ufikelela kwiminyaka engama-70. Ukuba akunjalo, unokufuna ukucinga ukuthenga umvuzo wokubonelela ngemali engenayo eyongezelelweyo yenyanga.
3. Bala i-Gap
Isinyathelo sesithathu oza kuthatha sibalwa isithuba phakathi kweendleko zomhlala-phantsi kunye nemithombo eqinisekisiwe yokufumana umhlala-phantsi. Ukuba unayo i-$ 50,000 yeendleko zokuhlala ngomhlala-phantsi wonyaka kunye ne-30,000 yeengeniso eziqinisekisiwe, isithuba sakho si $ 20,000. Esi sithuba sichaza umrhumo wonyaka oya kuwufuna ukuwuhoxisa kwi-savings yakho kunye notyalo-mali ngamnye nyaka. Ukuba ubeka amanani kwifomati yexesha elizayo uza kuba nokubona ukuhoxiswa okufunekayo kunyaka ngamnye. Emva koko fakela ikhefu lonyaka ngamnye kwiminyaka yakho yokuhlala umhlalaphantsi ukwenzela ukuba uqikelele ukuba uzakufuna phi ukugcina ukuba ulungele umhlalaphantsi.
4. Iingqinisiso kwi-Inflation kunye nokuLindelwa koBomi
Imirhumo efana nesilinganiso sakho sokubuyisa utyalo-mali, ixesha lokuphila, ukunyuka kwamaxabiso , kunye nokuzimisela ukuchitha inqununu kuya kuba nefuthe elikhulu kumlinganiselo wemali oyakuyidinga ukuba uthathe umhlalaphantsi. Ukuphendula kule mimandla uya kufuna ukuphuhlisa kokubili imeko engcono nakona mbi.
Icandelo elona lifanelekileyo liza kuthatha umyinge ophezulu ukuya kwizinga eliphezulu lokubuyiselwa kwintalo-mali, ixesha elide lokuphila, kunye nokunyuka kwamaxabiso. Iimeko ezimbi kakhulu zithatha ixabiso elingaphantsi kwexabiso eliphantsi, ngaphezu kwexesha lokuphila komyinge kunye nokunyuka kwexabiso eliphezulu. Ukuba umhlala-phantsi wakho usebenza kuphela xa ufumene umphumo wesiphumo esona sifanelekileyo kufuneka ufumane indlela eyahlukileyo. Mhlawumbi uya kufuneka usebenze ixesha elide, gcina ngaphezulu, okanye uchithe umncinci ngaphantsi komhlala phantsi ukuze wenze icebo lakho lisemgangathweni.
Ukuba awuyena umntu weemathematika, ukubala oko uza kuyidinga ukuba uthathe umhlalaphantsi kunokubonakala kubangele. Yiba nomonde kwaye usebenze ngayo. Ukuba udinga uncedo lobuchwepheshe, khangela umcwangcisi omhle womhlalaphantsi . Kungenzeka ukuba uhlala phantsi kuphela. Uyakuziva ungcono xa uchithe ixesha lokucwangcisa.