Ukuhlaziywa kweMali yokuThengiswa kweMali ekuHlaleni umhlalaphantsi kunenzuzo kunye neNzuzo
Ukuhlaziywa kwakhona kweNgxowa-mboleko kwiMveliso yeRhafu
Ngokuqhelekileyo, ukuhlaziywa kwemali mboleko kunika iingenelo ezininzi kubanini bezindlu. Okokuqala, ukuhlaziywa kwakhona kunokukunceda ukuba ufumane umyinge ongezantsi kumboleko. Isilinganiso esezantsi singakhokelela ekuhlawuleni kwentlawulo yeenyanga, ukwenza iindleko zezindlu zingakhathazeki kakhulu kwibhajethi yakho. Ungaphinde ufumane inkokhelo ephantsi ngokuhlaziya i-mortgage kwixesha elide.
Ngakolunye uhlangothi, ukuhlaziywa kwemali mboleko kwi-mboleko emfutshane kukuvumela ukuba uyihlawule ngokukhawuleza. Intlawulo yakho yenyanga ingaba phezulu kodwa unokwazi ukugcina imali enomdla, kuxhomekeke kwixesha elide ufumane ngayo imali. Ukuba unobulungisa obukhulu ekhaya , esinye esinye isizathu sokuqwalasela ukulungiswa. Ukuhlaziywa kwe-cash out will allow you to tap your equity while it can also reduce your mortgage rate.
Ezi ntlawulo zinokusetyenziswa kunoma yiphi na umnini-mhlaba kodwa kumbono wokuthatha umhlalaphantsi, zikho izizathu ezintle zokuqwalasela ukuhlaziywa kwemali.
Okokuqala yinto yokunciphisa izindleko zenyanga zenyanga. I-Bureau of Labor Statistics yase-US iqikelele ukuba umntu oneminyaka engama-65 ukuya kwengu-74 ubudala uchitha isilinganiso semali engama-32.4 ekhulwini lomvuzo wekhaya kwizindlu rhoqo ngonyaka. Ukuba iqela lakho lokuthatha umhlalaphantsi alilona likhulu njengoko ungathanda ukuba liyilo, ukuhlaziywa kwinqanaba eliphantsi, okanye kwixesha elide lokuthenga imali, kunokunciphisa iintlawulo zakho kwaye ungeze iirandi ezixabisekileyo kwi-flow flow yakho yenyanga.
Le mali ingafika ngokufanelekileyo xa umhlalaphantsi uhambelana nokunyuka kweendleko zonyango . Isibini esinesibini esineminyaka engama-65 ubudala siya kufuna i-$ 275,000 malunga nokukhupha iindleko zonyango kwimpilo yomhlalaphantsi, ngokubhekiselele kwingxelo ye-Investment Fidelity Report 2017. Isiqingatha asibandakanyi neendleko zokunyamekelwa kwexesha elide, ezingagqitywa yi-Medicare. I-Medicaid ihlawula ezo ndleko kodwa emva kokuba umhlala-phantsi achithe phantsi ipahla zawo.
Ukuhlaziywa kwemali-mali kungenjongo efanayo. Inokukunika kwakhona ngemali ukuze uhlawule iindleko zokuphila kwansuku zonke okanye wenze izilungiso ezifunekayo okanye uphuculo oluya ekhaya olungakhuphula ixabiso. Oku kunokuba luncedo ukuba ungathanda ukuthengisa ikhaya ngexesha elithile kumhlalaphantsi. Ukuba ucinga ukuhlaziywa kwemali yokubambisa ukukhupha ukulingana kwakho kubalulekile ukucaca ukuba imali iya kusetyenziswa njani. Ukugqiba i-refi-cash out ukuya eholidini okanye uncedise inkxaso abantwana abadala, umzekelo, awunikeli nzuzo nayiphi na inzuzo yemali yakho yomhlalaphantsi.
Ukuhlaziywa kwakhona kweNgxowa-mboleko kwi-Conserv Cons
Ukuhlaziywa kwemali mboleko kwi-retrait ingaba nokuncipha, kuxhomekeke kwindlela oya kuyo. Ngokomzekelo, ukuba ufanele uhlaziywe kwixesha elide lemali-mboleko unakho ukubonelela ngokukhawuleza kwezemali ngendlela ephantsi kweentlawulo kodwa kufuneka uqwalasele indlela ozinzileyo ngayo uhlahlo lwabiwo-mali.
Ngokutsho koLawulo loKhuseleko loLuntu, umntu oneminyaka engama-65 ubudala ohlala umhlala-phantsi namhlanje unokulindela ukuba aphile iminyaka engama-20. Omnye kwabathathu abahlala phantsi baya kuphila iminyaka engama-90 kwaye omnye kwabayishumi uza kuphila iminyaka engama-95.
Ukuba uhamba kwiminyaka eyi-15 yokubolekwa kwemali mboleko ukuya kwiminyaka engama-30 ubudala yokuthatha imali yomhlalaphantsi, kufuneka uqiniseke ukuba ukugcinwa kwakho kunye nemali engenayo evela kwiminye imithombo, njengokuKhuseleko loLuntu , kuya kukwanela ukugcina ezo ntlawulo kunye nezinye iindleko zeemibini ezimbini ukuya kwiminyaka emithathu. Inkokhelo yakho yokubambisa ihlawulwe nge $ 300 ngenyanga kodwa kufuneka ucinge malunga neendleko ezipheleleyo zemali mboleko kwimpilo yomboleko omtsha.
Ukuhlaziywa kwemali kwixesha elifutshane lemali-mboleko kungaphinda kubuyele xa iholo lakho lomhlalaphantsi kunye nokulondoloza akwanele ukugcina iintlawulo eziphezulu. Ukuba uhlakulela imbambano enzima yempilo, umzekelo, unokufumana uhlawula ngaphezulu kwipokothini yeebhilidi zonyango.
Ezi zindleko zingenza ukuhambisana neentlawulo eziphezulu zemali yokubolekwa kwemali yempesheni ejongene nebhajethi yakho.
Imibuzo Yokubuza Ngaphambi kokuba Uhlalutye i-Mortgage
Ukuba usondelene nomhlalaphantsi okanye usandul 'umhlala-phantsi kwaye uphinde uhlaziywe kwitafile, uzibuze imibuzo efanelekileyo unokukunceda ukuba unqume ukuba kulungile. Umzekelo:
- Kuze kube nini uceba ukuhlala ekhaya? Zingaphi iminyaka eziseleyo kwi-mortgage?
- Ngaba uya kudlula le ndlu kubantwana bakho xa usudlula? Ukuba kunjalo, ingaba impahla yakho inempahla eyaneleyo yokuhlawula nayiphi na imali ebhalisiweyo yokuthenga imali?
- Iyintoni injongo yokuhlaziya? Ukunciphisa izinga? Ukunciphisa intlawulo yakho yenyanga? Ukurhoxisa ubulungisa?
- Ingakanani imali eya kuhlaziywa yongeze kwakhona kwibhajethi yakho yenyanga xa ufumana inkokhelo ephantsi?
- Ukuba ulungelelanisa kwimali-mboleko emfutshane emfutshane, oko kuya kuthintela njani uhlahlo lwabiwo-mali?
- Ukuba ukuhlaziywa kwemali ekhoyo kumakhadi, loo mali ingasetyenziswa njani?
- Ixabiso lokuhlaziya liza kuba likhulu kangakanani, ngokwemali yokuvala ? Ingaba le mali iya kuhlawulwa ngaphandle kwesikhwama okanye ifakwe kwi-mboleko? Ukugqitywa kweendleko kumalimboleko kuya kuthintela njani iintlawulo zenyanga?
- Yiyiphi inzala enokuyifanelekela yona, ngokusekelwe kwiprofayili yakho yekhredithi? Oku kuqhathaniswa njani nomyinge okhoyo ngoku?
Ukucinga malunga nayo yonke le micimbi kunokukunceda ufumane ukuqonda kangcono ukuba ukulungiswa kwemali yomhlalaphantsi ekukhethiweyo ngumsebenzi ochanekileyo.