Amaphuzu okuphuhlisa

Ngaba ufanele uhlawule amaphuzu?

Inqaku ngumrhumo wokuzikhethela ohlawulayo xa ufumana mboleko, ngokuqhelekileyo umboleko wesikolo. Ngamanye amaxesha kuthiwa yinqanaba lokuphuhlisa , le ntlawulo ikunceda ukuba ufumane inzala engaphantsi kwemali mboleko. Ukuba unokufumana inzuzo kumyinge omncinci wenzalo, kunokufanelekile ukuba wenze ukuhlawula kwangaphambili. Nangona kunjalo, ngokuqhelekileyo kuthatha ubuncinci iminyaka emininzi ukubuyisela izibonelelo zokuhlawula amaphuzu.

Indlela Amaphuzu Asebenza ngayo

Amaphuzu abalwa njengepesenti yexabiso lakho lemali-mboleko, kwaye enye inqaku li-1 ekhulwini le mboleko yakho.

Umboleki wakho uthi uya kufumana umlinganiselo ophantsi xa uhlawula enye ngongoma, nangona ngamanye amaxesha uya kuhlawula amanqaku amaninzi. Kufuneka wenze isigqibo sokuba ngaba ixabiso lifanelekile.

Ngokomzekelo, cinga ukuba ufumana i-$ 100,000. Elinye iphuzu li-1 pesenti yemali mboleko okanye i-$ 1,000. Ukubala loo mali, phinda ipesenti ezili-1 nge $ 100,000 (bonani indlela yokuguqula ipesenti zokubala). Ukuze amaphuzu abe nengqiqo, kufuneka uzuze ngama-$ 1,000.

Kutheni Uhlawula Amaphuzu?

Amaphupha anceda ukukhusela umyinge omncinci wemali mboleko yakho, kwaye inzala yenzalo iyimfuneko ebalulekileyo yemboleko yakho ngezizathu ezininzi.

Iindleko ezipheleleyo: Xa uboleka imali yokuthenga ikhaya, ugqiba ukuhlawula ngaphezu kwexabiso lokuthenga kunye neendleko zokuvala, kuba uhlawula umdla . Inzala yindleko yokusebenzisa imali yomnye umntu, kwaye iyakongeza kwixabiso elikhulu kakhulu xa usebenza nemboleko yemali, ebonisa inani elingu-dollar kunye neminyaka emininzi yokuboleka.

Ixabiso eliphantsi lithetha ukuba uza kuhlawula umdla omncinci kwimpilo yakho mboleko.

Inkokhelo yenyanga: Inzala yenzalo yinxalenye yokubala kwenyanga yakho. Ngokubanzi, isantya esezantsi sithetha intlawulo ephantsi yenyanga, ephucula imeko yakho yokuhamba kwemali kunye nebhajethi yakho yenyanga. Iingongoma zindleko zexesha elilodwa, kodwa uya kufumana iintlawulo ezincinane zenyanga ngenyanga ezayo.

Imirhumo: Unokufumana iintlawulo zerhafu xa uhlawula amaphuzu kodwa akufanele ube ngumqhubi oyintloko kwisigqibo sakho. Ngokuxhomekeka kwintengiselwano yakho, unokufumana ezo zinzuzo kunyaka ohlawula amaphuzu, okanye ngaphezulu kweminyaka emininzi. Hlola imithetho ye-IRS kwiiNgongoma ze-Topic 504-Iingxowa zokuThengiswa kweNdlu, kwaye uthethe nge-preparer yakho yerhafu ngaphambi kokuba ugqibe isigqibo.

Kakade, akukho nanye yezibonelelo ezingentla ziza mahhala. Kufuneka wenze inkokhelo yokuhlawula iindleko zeengongoma xa ufumana imali yakho. Iingongoma zokuhlawula zinokuhlawula amawaka eedola, kwaye akusoloko kulula ukuza nale mali ngaphezu kokuhlawula.

Ngaba Ufanele Uhlawule Amaphupha?

Ukuba unako ukuhlawula amanqaku, kuya kufuneka ufumane ukuba uyayifumana. Nanku umthetho oqhelekileyo wesithupha: ekude uza kugcina imboleko, amanqaku afanelekileyo abe.

Cinga ngokubaluleka kwezoqoqosho. Ukuba uhlobo lomntu othanda amaspredishithi, unokumisela ukhetho olululo ngokujonga ixabiso elizayo ngokubhekiselele kwixabiso langoku. Nangona kunjalo, abaninzi abantu baqala ngendlela elandelayo:

1. Mbonise ukuba mangaphi amaphuzu onako ukuhlawula.
2. Khangela ukuba zininzi kangakanani na ezo ngongoma ziya kunciphisa intlawulo yakho yenyanga.
3. Cinga ukuba zininzi iinyanga zokunciphisa iintlawulo onokuzifumana phambi kokuba ukhethe ukuthengisa.

1. Hlola indlela ongayilondoloza ngayo inzala ngaphezulu kwamaxesha amaninzi (iminyaka emihlanu no-10, umzekelo).
2. Nquma ukuba uya phambili.

Ezinye iingcebiso zokukunceda uhlolisise ziquka:

• Bala iziganeko ezahlukeneyo malunga nokuba utshintsho lwakho lwenyanga nganye luguquka njani ngamaphupha.
• Yakha itafile yokwenza imali ukuze ubone indlela iindleko zomdla wakho zitshintsha ngayo ixesha (ungasebenzisa kwakhona izifanekiso zesepredishithi zamahhala ukuze uncede).
• Sebenzisa i-calculator points points.
• Buza i-lender yakho kubalo.

I-spreadsheet okanye itheyibhile yokwenza imali iyona nto inokuzikhethela ukuba uhlanganise ingcamango yendlela amaqaku aza kuchaphazela ngayo imali yakho mboleko ngenxa yokuba abaninzi abantu abagcini mboleko ngeminyaka engama-30 okanye eyi-15 epheleleyo. Kwiimeko ezininzi, uya kuhlaziya umboleko wakho okanye uthengise indlu yakho ngaphambi koko, kunye netafile yokwenza imali kukuvumela ukuba usasaze inzuzo yamaphuzu ngaphezu kwenani eliyiminyaka ugcina imali yakho, ukuze ukhangele ixabiso lokuhlawula .