1. Ukuthenga ngokuzenzekelayo
Xa ucwangcisa umhlala-phantsi, abaninzi abantu bahlanganisa isabelomali esisisiseko kwaye bayalibala ngeendleko ezifana nokuthenga iimoto, njengoko izinto ezinjalo zingenzeka kuphela emva kweminyaka emihlanu okanye elishumi. Ukuba ininzi yemali yakho ibanjwe ngaphakathi kwiakhawunti yomhlala phantsi njenge-IRAs kunye ne-401 (k), ngoko nangoko xa uthatha ukuhoxiswa, loo mali iya kufakwa njengemali engenayo engenayo kwingeniso yakho yerhafu loo nyaka wekhalenda.
Ukuba uthatha ukuhoxiswa okukhulu ngonyaka omnye ukuxhaswa iindleko ezinkulu, kunokushukumisela ukuba ungene kwi- bracket yerhafu elandelayo. Ngokomzekelo, ukuba ukuhoxiswa kwakho okuqhelekileyo kwahlawuliswa kwi-15%, kunokuthi ukuba uthabatha ngaphezulu, kuya kuhlawulwa irhafu kwi-25%. Kwiimeko ezinjalo, umgca we-credit equity for credit can be used to fund a large purchase, ngoko ke unokuwuhlawula ngokuthe ngcembe ngaphandle kokuthatha ukurhoxiswa kwerhafu enkulu kunyaka omnye.
2. Ukuhlaziywa kwasekhaya
Kanye njengoko kuthengwa ngemoto, abaninzi abantu bayalibala malunga neendleko zokulungisa ikhaya xa behlanganisela imali yabo yomhlala-phantsi.
Le ngenye yezinto endizibhekisela kumbulali webhajethi yomhlalaphantsi . Ukuba uchitha iminyaka engama-20 ukuya kuma-30 ekuqeshweni komhlalaphantsi, kunjalo, ikhaya lakho liya kufuna umsebenzi. Umgca we-credit equity line yekhredithi unokunika enye indlela yokuthengisa imali-mali okanye ukuthatha i-akhawunti enkulu yokuthatha umhlala phantsi. Ngokuboleka imali onokuyibuyisela ngokukhawuleza kunokuyiphazamisa iphothifoliyo yakho.
UMthombo woMthombo weCash kwi-Market Down
Ukulawula imali yokuthatha umhlala-phantsi kuyahluke kakhulu kunokuba ulawulo lwemali ngelixa unyaka wokuqokelela. Emva kokuba uthabatha uhlahlo oluqhelekileyo, i-market down can have a severe impact on you. Ngokwimigaqo yobugcisa, oku kuthethwa ngokuthi " ingozi yokulandelana ". Ukuba unako ukuphepha okanye ukunciphisa ukurhoxiswa kwiminyaka edlulileyo, unokwandisa ubomi obulindelekileyo kwipotifoliyo yakho kunye nokwenza kwakho umvuzo wokufumana imali. Umgca wokulinganisa ikhaya lekhredithi unokusetyenziswa kule njongo. Yisebenzise njengomnye umthombo wemali ekupheleni kweminyaka; ngoko uhlawula ngokukhawuleza njengoko iphothifoliyo yakho ithola.
4. Ukunceda abantwana
Ngaba unomntwana omdala ohambayo, ehamba ngexesha lokungasebenzi, okanye ufuna enye uncedo? Okanye bafuna iimali zokuqalisa ishishini okanye bathenge ikhaya kwaye baya kukuhlawula. Abazali abaninzi banamalisela imali yabo abantwana abadala. Kungakhathaliseki isizathu, ukuba uya kubakhokelela kwimiphumo yerhafu ngokuthengisa imali-mali, unokucinga ngokuboleka. Ukuba usungule i-HELOC, ke, kunokubekho apho kulindeleke ukuba usebenzise kwezi meko.
5. Ukuxhaswa ngeNtengo yokuThengiswa kweNdlu
Uninzi lwabantu bathatha umhlalaphantsi, kwaye kwiminyaka emihlanu ukuya kweyishumi banquma ukuhamba.
Abazange bazicwangcise kule nto, kuba nje kwenzeka nje. Ngamanye amaxesha bafuna ukusondeza kubakhulu, ngamanye amaxesha imimoya eyahlukileyo, imisebenzi emitsha, okanye "abantu abangaphezulu kwama-55" abayifunayo. Kwinkoliso yezi meko, ikhaya elitsha lithengwa ngaphambi kokuba kuthengiswe ikhaya elidala. Ngokuboleka ngokulingana kwekhaya lakho, unako ukuhlawula imali ekuhlawuleni kwindlu entsha. Kwakhona, oku kusenokuba isisombululo esingcono kunokuba utyalomali utyalomle, njengoko kuthengisa utyalo-mali kuya kubandakanya iindleko zorhwebo kunye nemiphumo yerhafu.
Ngokubanzi, ndicinga ukuba ukufaka isicelo somgca wekhredithi kwimhlala-phantsi kunokukwenza unengqiqo. Kumele ube nobulungisa ekhaya lakho ukwenzela ukuba le nto isebenze kodwa ngokukhawuleza nje ukuyenza, akunandaba ukuba ikhaya lakho lihlawulwe, okanye ukuba unayo imali yokuqala. Into ebalulekileyo ekufuneka uyikhumbule kukuba kufuneka ukhethe iintlawulo zakho ezintsha zemali mboleko kwibhajethi yakho yomhlalaphantsi .
Ngaphandle kokuba uhamba ngokukhawuleza, uya kufuna ukuceba ukubuyisela into oyibolekileyo ukuze usebenzise umgca wekhredithi kwakhona phantsi kwendlela ukuba ufuna.