Abantu baseMerika bahlawula rhoqo ukuba zeziphi iingenelo zabo ezifanelekileyo.
Ukuxabisa izibonelelo zakho ngokufanelekileyo, qalisa ngokucinga ngoKhuselo lweNtlalo (okanye inzuzo yempesheni) ngokokufuneka ubenayo ebhankini phantsi komhlala phantsi ukuze unikeze imali efanayo yenyanga engenayo.
Indlela Yokuxabisa Izinto Zakho
Masithi ukuqala kwiminyaka engama-66 uza kufumana i-$ 1,500 ngenyanga ukusuka kwiNtlalo yoKhuseleko, kwaye ngonyaka ngamnye i-$ 1,500 ngenyanga iya kunyuka ukuba iindleko zokuhlala ( njengoko zilinganiselwe ngongoma wexabiso lomthengi ) zanda. Khawuthethe ukuba uya kuhlala iminyaka engamashumi amabini. Ingakanani loo mrhumo wokufumana imali?
Unokuphendula lo mbuzo ngokuthi uthathe ixabiso elikhoyo lale mfudlana yokuhamba kwemali . Uza kufuna i-$ 263,977 kwibhanki efumana i-rate ye-5% yerhafu yokubuya ukuze uhlawule i-$ 1,500 ngenyanga (ukwanda kwe-2% ngonyaka) iminyaka engamashumi amabini.
Ukuba uhlala iminyaka engamashumi amathathu, uya kufuna i-$ 348,535 ebhankini.
Kwaye, ukuba ucinga ukuba esikhundleni se-portfoliyo efumana u-5% osebenzisa utyalo-mali olukhuselekileyo ufumana i-2% (inqanaba elifanayo lokuthathelwa kwamanani entengo apho imali yakho ingenayo ngonyaka) ngoko uya kufuna i-$ 352,941 ebhankini ukuze ugcine iminyaka engama-20, kunye ne-$ 529,411 e-bhanki kwimali engenayo ukuhlala iminyaka engamashumi amathathu.
I-1,500 yeenyanga ngenyanga inzuzo yeNtlalo, ubuncinane, ixabise amakhulu amabili eedola.
Kwaye oko akunakwenzeka kwizibonelelo ezincedisayo ezifana neenzuzo zomtshato okanye iinzuzo zokusinda .
Ixabiso liphezulu nakwimibhangqwana esatshatileyo
Xa ucinga ukuba yiNkxaso-ntle yeNtlalontle ingafaneleka njani isibini esitshatileyo, usenokukothuka xa ufumanisa ukuba akuqhelekanga ukuba inzuzo ixabiseke ngaphezu kweigriki zeebhiliyoni.
Thatha isibini (esi sibini ngokwenene sasebenza kunye) apho bobabini bazalwa ngo-1950, kwaye bobabini basebenzela ukufumana umvuzo ohloniphekileyo. Inzuzo yakhe kwiminyaka yakhe yokuhlala umhlala-phantsi iya kuba yi-$ 2,668 ngenyanga, kwaye i-hers yakhe kwiminyaka yobudala yomhlalaphantsi iza kuba yi-$ 1,659 ngenyanga. Ukuba ngamnye ubiza inzuzo yakhe ngexesha lokuhlala umhlalaphantsi, kwaye uhlala kuma-85 kwaye ufikelela kwi-90, inani elikhoyo langoku leenzuzo zabo zobomi li malunga ne-$ 941,000.
Kodwa ukuba uyayifaka kwaye ayigxininise inzuzo yakhe kwiminyaka engama-66, oku kumvumela ukuba afake isicelo somtshato . Wayefuna ukufumana umvuzo womtshato iminyaka emine, uze utshintshe inzuzo yakhe kwiminyaka engama-70 ubudala. Uya kuqalisa inzuzo yakhe kwiminyaka engama-70. Ngale ndlela bobabini bafumana iikhredithi zokuthatha umhlala-phantsi eziye zabakhokelela ukuba baqokelele inzuzo enkulu ngenyanga isixa.
Isicwangciso sokubango sikhuthaza ixabiso langoku lokuphila kwabo kwii-1,057,000 zamaRandi. La manani exabiso la manani abalwa ngokusebenzisa i-calculator ye- Intanethi yeNtlalo yoKhuseleko ebizwa ngokuba yiNtlalo yoKhuseleko kwexesha. Ndacinga ukunyuswa kwama-2% kwindleko ngenxa yokunyuka kwamaxabiso, kunye ne-5% yezinga lokunciphisa, okanye izinga lokubuyisela ukuba imali eyimali iya kufuneka ifumane.
Ukuxabisa ezinye iiNzuzo
Ukuthatha umhlala-phantsi ozayo kuya kuncipha ukuba yeyiphi imirhumo eqinisekileyo yokufumana imali.
Olu tyekelo lokungaphantsi kwexabiso lentlawulo lisebenza kwiinzuzo zempesheni kunye noKhuselo loLuntu.
Nangona ukuthotywa kwexabiso leholo eliqinisekileyo, abahlala phantsi baye bathabathe ixabiso lokugcinwa kwabo kunye notyalo-mali. Bahlala becinga ukuba utyalo-mali lunokuvelisa imali engaphezulu okanye ukufumana umlinganiselo ophezulu wokubuyisela kunokwenene. Oku kunokukhokelela abantu ukuba bakhethe inkcitho yemali yabo yempesheni kunokuba bafumane ithuba lokunyusa imali , ngenxa yokuba abaqapheli ukubaluleka kwexabiso lokufumana imali.
Musa ukugxotha ixabiso leenzuzo zakho zoKhuselo loLuntu okanye enye imithombo yembuyekezo eqinisekisiwe. Ingeniso yenyanga nganye iyakuthi ifaneleke ngakumbi kunokuba ucinga.