Khangela iindleko eziphantsi
Ngemali engaphezulu kwe-11 000 kwimarike, kunokuba nzima ukufumanisa ukuba zeziphi ezifanelekileyo zokusebenzisa umhlalaphantsi.
Enye into ebalulekileyo ukujonga ngayo iindleko zangaphakathi ze-fund fund, ebizwa ngokuba ngumlinganiselo weendleko.
Masithi utyalomali i-$ 100,000 kwingxowa-mali ehlangeneyo eneendleko ze-1% ngonyaka, okanye i-$ 100,000 kwingxowa-mali efanayo efanayo eneendleko ze -50% ngonyaka. Ngesixhwama sesibini esineendleko zangaphakathi ezingaphantsi, unemali engaphezulu kwama-500 ngonyaka ebuyela kuwe kunokuba uhlawulwe kwiimirhumo. Ngaphezulu kwenkqubo yokuthatha umhlala-phantsi weminyaka engamashumi amathathu, loo mali eyongezelelweyo i-$ 500 ngonyaka iyakongeza.
Ngaba ukwesaba imali yomhlalaphantsi kunye neendleko eziphantsi aziyi kuyenza? Cinga kwakhona. Uphando lubonisa ukuba imali engaphantsi kweendleko zihlala zigqithiseleyo iintsapho zabo ezinemali ephezulu. Ngokomzekelo, iimali zenkcazo ziyaziwa ukuba zenze umsebenzi oqinileyo kunye nemali ephantsi. Unokwakha iphothifoliyo yokuthatha umhlalaphantsi oqinileyo, usetyenzise imali yeengxelo zezimali. Okanye unokwazi ukubheka isisombululo esandulele ngaphambili usebenzisa isikhwama sokufumana umhlalaphantsi, esichazwe ngezantsi.
Cinga ngeSix-Pilot Solution
Uninzi lweenkampani ezinkulu zengxowa-mali zidibanisa uluhlu lweemali ezicwangciselwe umhlalaphantsi kuphela.
Zihlala zibizwa ngokuba yimali yengeniso yomhlalaphantsi . Ezi mali zomhlala-phantsi zomhlalaphantsi zenzelwe kwaye zilawulwa ukunikela ngeniso yenyanga yomhlalaphantsi kuwe.
Ukuba ufuna imali yomhlala-phantsi yomhlalaphantsi okhupha umgangatho ophezulu okanye ngeniso yenyanga, lindela ukuba emva kwexesha inqununu yakho iya kuhlala isicatshulwa okanye iya kuhla.
Ukuba ufuna i-fund yomhlala-phantsi yomhlalaphantsi eya kugcina ixabiso layo, kuya kufuneka ukwamkele ingeniso encinane. Imali engenayo yemali yengeniso yomhlalaphantsi yenzelwe ukuhlawula phakathi kwe-3% kunye no-7% ngonyaka, ukwenzela ukuba zonke i-$ 100,000 ezityalwe imali, unokulindela ingeniso yonyaka ka-3,000 ukuya kwii-7,000 zamawaka ngonyaka.
Iingxowa-mali zengxowa-mali yomhlalaphantsi zihlukileyo kuneengxowa-mali zengeniso-mali, enye enye inketho. Ingxowa-mali yokuthatha umhlala-phantsi iya kulawula iphothifoliyo yezibini kunye nezibophelelwane ezijoliswe ukunikela urhwebo phakathi kokugcina imali kunye nenzuzo yenyanga. Ingxowa-mali yokufumana ingeniso isabelo samasheya okanye iimpahla ezikhethiweyo ezihlawula izabelo. Ingxowa-mali yengeniso yomhlala-phantsi ingakhonza njengepotfoliyo epheleleyo kuwe, kanti i-fund income yengxowa-mali iya kuba yinye ibhloko lokwakha iphothifoliyo yomhlalaphantsi.
Landela iSicwangciso soTyalo-mali esichaziweyo
Enye impazamo enkulu bobabini abahlala phantsi kunye nabacebisi bezemali benza ukuba bacinga ukuba xa behlala phantsi xa bekhipha imali abanokukwazi ukulawula imali yabo ngokufanayo ngendlela abayenzayo xa besebenza kwaye besindisa kwaye batyala imali. Utyalo-mali lomhlala-phantsi kufuneka kwenziwe ngokuhlukileyo.
Ekuqeshweni komhlalaphantsi, inkqubo ecingayo kufuneka isetyenziswe kwii-akhawunti eziza ku funeka zihoxise kuyo kwiminyaka, kwaye kufuneka uqiniseke ukuba awuyi kuba semeko apho unokunyanzelwa ukuba uthengise imali yomhlala-phantsi yomhlalaphantsi ukuthengisa.
- Enye inketho kukusebenzisa isethi efanelekileyo ebhaliweyo yokumisela umgangatho wokurhoxisa ukulawula iphothifoliyo yemali yomhlalaphantsi yomhlalaphantsi.
- Enye inketho kukucinga ngemali yakho ngokwexesha lamacandelo - utyalo imali oyifunayo kwiminyaka emihlanu ezayo ngokungafani nemali ongeyi kuyimfuneko ubuncinane iminyaka elishumi elinesihlanu.
- Enye inxaxheba kukusebenza nomcwangcisi womhlalaphantsi owaziwayo oqonda ukuba ukutyalomali ngenzuzo kuthatha indlela eyahlukileyo.
Iimali eziphambili zomhlala-phantsi zomhlalaphantsi yizona zineendleko eziphantsi kwaye zikhethwa emva kokuba wenze isicwangciso-mali sokufumana umhlalaphantsi. Abaninzi abahlala kumhlala phantsi bachitha ixesha elide kakhulu bezama ukufumana imali engcono yomhlala-phantsi, kunye nexesha elincinci kakhulu kwizicwangciso zokucwangcisa ezifana nokucwangciswa kweerhafu, xa kuthathwa uKhuselo loLuntu, okanye indlela yokuthatha umvuzo wabo.
Xa ezinye izigqibo zenziwe ngokufanelekileyo zikwazi ukunikela ngokubaluleka ngakumbi kunokukhetha i-fund. Yenza isicwangciso sakho sokuthatha umhlalaphantsi kuqala. Inkqutyana yokugqibela yenkqubo yokucwangcisa kufuneka ikhethe ukutyalwa kwemali yomhlalaphantsi.