Ukuthatha umhlalaphantsi yisigqibo esikhulu. Ngokuphathelele umtshato, umtshato, ukuba nezingane, kunye nokuhamba, yinto ebalulekileyo yokuguqula ubomi oya kuhlangana nayo. Uphando lubonisa ukuba abahlala phantsi banokuqala ukucwangcisa okungenani iminyaka emihlanu ngaphambi komhla wokuthatha umhlalaphantsi . Ngelishwa, abaninzi abantu balinde kude kube ngumzuzu wokugqibela, njengokuba inkampani yabo inikeza ipakethe yokuthatha umhlala-phantsi. Eyona nto ilungileyo ukuqala ukucwangcisa ixesha elide ngaphambi kokuba unakho!
Qala uhlalutyo lwakho ngokujonga izinto ezithatha kwisigqibo somhlala-phantsi kwiminyaka eyahlukeneyo. Bonke abathathe umhlala-phantsi kufuneka basebenze ngokubalwa ukwenzela ukuba bafumane ixesha elingakanani ixesha lokugcina imali - kodwa umntu ofuna ukuthatha umhlala-phantsi kwi-50 unesicatshulwa esahlukileyo seengcinga eziza kulusebenzisa xa kuthelekiswa nomntu ofuna ukuhlala phantsi kwi-70.
Ezi zilayidi ezimbalwa ezilandelayo zihamba ngendlela ecinga ngayo ukutshintsha kwexesha elide, ngokuqwalasela oko kuthatha ukuthatha umhlalaphantsi ngo- 40 , 50, 55, 62, 65 okanye 70.
01 Ukuthatha umhlala-phantsi kwi-50
Ukuba uzimisele ukuhlala ngaphantsi kwaye ungenalo imali eninzi yokonga, cinga indlela yokuphila yomhlalaphantsi engaphantsi, njengokuba uhlala kwi-RV kwinkampu, uhlala phantsi kwindleko ephantsi kwamanye amazwe , okanye uhlala encinane indlu ehlala kwindawo apho isithuthi sakho asikho imfuneko. Ukuba ezi ndlela zokuphila zivakala kuwe, umhlalaphantsi ungasisebenzela - nangona ungenayo imali enkulu yokugcina umhlalaphantsi.
Ukuba usoloko ube ngumntu oqhelaniswe nomsebenzi, "Uhlobo" okanye uninzi, kwaye unayo imali yokugcina umhlalaphantsi kwangaphambili, kukho ezinye izizathu ezingezizo zezimali ukuba ucinge kabini ngaphambi kokuthatha umhlalaphantsi. Unokufumana umhlalaphantsi ujonge kwiinyanga ezimbalwa, kodwa ngaphandle kweprojekthi entsha yokusebenzela, ixesha lokuzonwabisa kakhulu linokukudala. Abanikazi bezoshishino kunye nabaqeqeshi bezakhono ngabo banokuthi bangenwa ngumhlalaphantsi.
Naluphi na uhlobo onokuthi ube nalo, ukuba uphumelele umhlalaphantsi kwangaphambili kufuneka uqwalasele indlela uza kuhlawula ngayo iindleko zonyango - kwaye kufuneka uphendule ukuba imali yakho ingadinga ukukhupha iminyaka engama-40 (okanye ngaphezulu) iindleko zokuhlala.
Qaphela: Ukuba unolondolozo olwaneleyo kodwa uninzi lwalo lungaphakathi kwirejista yomhlala phantsi enye indlela yokufumana imali yokugcina umhlalaphantsi kwangaphambili ngaphandle kokuhlawula isigwebo kukusetha okubizwa ngokuba yiintlawulo ze-72t kwi-akhawunti yakho ye-IRA . Olu khetho lukuvumela ukuba uthathe imali ngaphambi kweminyaka yobudala engama-59 / 1/2 ngaphandle kokuhlawula isohlwayo sokuthoma.
02 Ukuthatha umhlala-phantsi kwi-55
Enye into oya kuyidinga ukuyilungiselela: uya kuba neminyaka elishumi ngaphambi kokuqala kokukhutshwa kweMicrotheri, ngoko ke xa uhlawula ibhajethi yakho yomhlala-phantsi uqiniseke ukuba uxabise kwiindleko zokuthenga i-inshorensi yakho yempilo .
Kwaye, njengabo bonke bacinga ukuhlala phantsi, uya kufuna ukugqiba oko uceba ukukwenza ngexesha lakho. Funda amabali avela kwabanye abahlala phantsi kwaye ubone ukuba yiziphi na ozibonayo. Xa uyazi ukuba ulindele ntoni ukuba ube nempumelelo yokuguqula umhlalaphantsi.
03 Ukuthatha umhlala-phantsi kwi-62
Ngomhla wokuqalisa woKhuseleko loLuntu, ukuba uceba phambili, ufanele ukwazi ukugcina ukwanele ukuba uthathe umhlalaphantsi kwi-62 kwaye ugcine ubomi obukhululekile. Ukucwangcisa phambili kuthetha ukuba usebenze indlela yakho ngokusebenzisa izinto ezikuluhlu lokuhlola umhlalaphantsi .
Cinga ukuba unesicwangciso esihle? Ukuba udibanise ii-akhawunti, qaphela i-akhawunti yakho yokuzibambisa ukukhutshwa kweeNkcazo, wazi ukuba yiyiphi iakhawunti oya kuhoxisa kuyo kwaye uqikelele irhafu oya kuhlawula umhlalaphantsi , ngoko wenza izinto ngokufanelekileyo.
04 Ukuthatha umhlalaphantsi kuma-65
Amashumi amathandathu anesihlanu aneminyaka yobudala yokuthatha umhlala-phantsi kwininzi. Uncedo lweMedareta luqala ngo-65, unokuqala ukuqokelela ukuKhuselwa kweNtlalo nganoma naliphi ixesha, kwaye akukho zihlawuliso zeerhafu zokurhoxiswa kweakhawunti yomhlalaphantsi.
Uza kuba nezigqibo ezinkulu zokwenza malunga no-65 nangona kunjalo: luhlobo luni lomgaqo-nkqubo wokunakekelwa kwempilo ongezelelweyo, indlela yokucwangcisa iindleko zenkathalo zangexesha elide kunye nendlela yokusingatha ukuhla kwexesha elizayo. Kuya kufuneka ukuba ube nesicwangciso "sokuqhayisa" -sithetha isicwangciso malunga nendlela uza kuhoxisa ngayo kwiakhawunti, yintoni umyalelo, ubuninzi, njl.
Kwakhona, uqaphele, ukuba uphumelele umhlalaphantsi wokuhlala umhlalaphantsi kwiintlawulo zakho zeNtlalo-ntle ayi-65 - ineminyaka engama-66 okanye kamva. Kuba ininzi yakho ithetha ukuba ngaba uhlala phantsi ngowama-65 , uya kuba ngcono ekulindeni unyaka okanye ngaphezulu ngaphambi kokuba uqale inzuzo yakho yeNtlalo yeNtlalo.
05 Ukuthatha umhlala-phantsi kwi-70
Ukuba ufuna ukuthatha umhlala-phantsi kwi-70 iindaba ezilungileyo uya kufumana isixa esiphezulu seenhlalakahle zeNtlalo ngokulinda ukuqala izibonelelo kwiminyaka engama-70. Qaphela: Akukho nzuzo ekulindeni iminyaka engama-70.
Kukho iindaba ezilungileyo; ezinye iimveliso zokuthatha umhlala-phantsi zikhangeleka ngakumbi ngobudala; ukuhlawulwa kwemali kunye nokubuyiswa kwemali mboleko yimveliso emibini, efana newayini, ibe ngcono xa idala. Kuya kufuneka kwakhona ukuba ucwangcise ukuthabatha i-IRA ukurhoxiswa njengoko ubuncinane ubuncinane bezabelo ziqala kwi-70 1/2 yobudala. Ukuba uyaphuthelwa oku kukho isigwebo esiphezulu, ke qiniseka ukuba uqala ngawo ngexesha.
Emva kokuba unemali ngokulandelelana, cinga ngokuphonononga zonke izikhundla zakho ezixhamliweyo kunye nokufumana amaxwebhu akho okucwangcisa i-estate order.