Sebenzisa le mithombo ukuqhubeka uhlawulelwa emva kokucima iofisi.
Kukho iindlela ezininzi zokuqhubeka uhlawulelwa emva kokuba unamathele kweso sihlandlo segolide uze ucime iofisi yakho.
Ukuchithwa kwemithombo yenkxaso-mali yakho yokuthatha umhlala-phantsi kuya kuthatha uxinzelelo kwiqanda lakho lembande, likukhuphe ekutshatyalaliseni kweemarike kwaye, kwezinye iimeko, kunika iingeniso ezingezizo ezezimali.
Nazi ezinye iimithombo eziqhelekileyo zokufumana umhlala-phantsi. Ngokuxhomekeke kwiinjongo zakho kunye neemeko, ezinye zeemithombo zingaphinda zivelise iimbuyekezo zenyanga zenyanga, ngelixa ezinye ziza kunika ubhiya okanye imali yasemini.
Ingeniso yokuTyala
Ngethuba lokufumana imali yokuqala / ukugcina iminyaka, iphothifoliyo yakho yokutshala imali kufuneka ijoliswe kwiimpahla zokukhula-izabelo ezilindeleke ukuba zandiswe ngokunyuka kwixabiso ngaphezu kweminyaka. Kodwa njengoko usondele kumhlalaphantsi, cinga ukutshintsha ugxininiso kwiimpahla ezivelisa umdla, kubandakanywa izitokethi ezihlawula izabelo eziqhelekileyo, kunye nezibophelelo, ezihlawula umdla. Unokuqwalasela kwakhona utyalo-mali kwi-REIT, ezikuthengwa ngeesibhakethi zendawo kawonkewonke; sitokhwe ekhethiweyo; kunye no-Limited Master Partnerships, ekuhlawulela isabelo semali ehlawulwayo ekusebenziseni ukugcinwa kwamandla kunye nezibonelelo zokuthutha.
Ngoxa uhlala kwindlela yokugcina imali, imali engenayo eyenziwe yi-asethi kufuneka ifakwe kwakhona kwi-turbo-charge ukukhula kweqanda lakho lembande. Xa uthabatha umhlalaphantsi, loo madola angaya ngqo kwi-akhawunti yakho yasebhanki.
Ukhuseleko lasekuhlaleni
Ewe, Ukhuseleko lweNtlalo luya kubakho xa uthatha umhlalaphantsi, ngakumbi ukuba uneminyaka engama-40.
Kungenzeka ukuba, njengenxalenye yokuqulunqwa kwexesha elizayo, unokufumana inzuzo encinci yenyanga kunokuba uhlala phantsi namhlanje, kodwa uya kuhlawulwa.
Ubungakanani bhekishe lakho lenyanga luya kuxhomekeka, kwinxalenye enkulu, xa ukhetha ukuqala ukuthatha inzuzo. Unokuqala ukufumana inzuzo yeNtlalo yeNtlalo emva kweminyaka engama-62. Kodwa ukuba wenza njalo, isheke lakho liya kuba ngama-30 eepesenti ngaphantsi kwexesha ukuba ukulinde de kubekho iminyaka yobudala obumhlala phantsi, echitha ixesha eliphakathi kweminyaka yobudala engama-66 no-67, kuxhomekeke kwinto unyaka owazalwa ngawo. Isexwayiso: Ukuba uthabatha umhlala phantsi ngaphambi kokufikelela kwiminyaka yobudala yomhlalaphantsi, izibonelelo zakho zinokumiselwa okanye zinciphise.
I-benefit yakho yenyanga nganye iya kukhula malunga neepesenti eziyi-8 ngamnye ngonyaka ukuba ungathathi iNkcazo yoLuntu- kude kube yiminyaka engama-70 xa ikhula. Oko akuthethi ukuba kufuneka ulinde uneminyaka engama-70. Naliphi na inani lezinto eziya kuchaphazela esi sigqibo, kubandakanywa nempilo yakho kunye nemeko yezemali. Eyona nto: Thatha inzuzo yakho xa uyifunayo ngokwenene ukuze uhlangabezane neemfuno zakho.
Ipropati yerenti
Oku kunokuvelisa umvuzo ongenamathuba omvuzo ukuba uzimisele ukuthatha indima yokugaya ukuba ngumnini wezindlu.
Ungena njani kumdlalo wokurenta? Ukuba uthabatha xa uthatha umhlalaphantsi, qwa lasela indlu yakho yangoku endaweni yokuthengisa.
Ukuba uye waxhaswa ngokupheleleyo ngeakhawunti yakho yomhlalaphantsi, kwaye unayo imali yokutshala imali, jonga ekuthengeni impahla yokuhlala okanye ezimbini.
Impahla ingaba nzima, ingakumbi kwii-cookies. Fundisisa phezulu kwiimarike ngaphambi kokuya kumdlalo wokurenta. Cinga ixesha elide kunye nobunzima malunga nobomi obunjani emva kokuba uphumelele ekusebenzeni ukulawula irenti yakho. Enye inketho ukuqesha inkampani yolawulo. Oku kuya kunciphisa intloko yesifo - kunye nengeniso yakho.
Imisebenzi-yexeshana
Cinga ngomsebenzi we-post-career , ngokukodwa kwiminyaka ngokukhawuleza emva kokuthatha umhlalaphantsi. Umsebenzi wexeshana unokwenza imali ephawulekayo, nokuba usebenza iiyure ezili-10 ukuya kwi-iveki nganye. Ngaphezu koko, ukusebenza kunganika isakhiwo, umnxibelelwano nomntu kunye nenjongo yenjongo, yonke into ebalulekileyo kumhlalaphantsi owanelisayo. Musa ukuthatha umsebenzi ocebisayo kakhulu ukuze wenze amancinci ambalwa.
Khangela igig edla ukutya kwakho. Ukuba uthanda igorfu, fumana umsebenzi kwikhosi yendawo. Ukuba ulunge nezingane kunye nepiyano, nikeza izifundo okanye ube ngumfundisi wesifundo somculo.
Khawukhumbule nje: Ukuba ukwamkela ukhuseleko lwezeNtlalo ngaphambi kokuhlala kwakho kweminyaka epheleleyo yomhlalaphantsi (emva kwexesha lokuzalwa kwakho kwe-66) umsebenzi wexeshana ungabangela ukunciphisa okanye ukumiswa kweenzuzo zakho.
Pensions
Ngaphandle kwelitye lembombo lemali yokuthatha umhlala-phantsi, iipenshini zininzi kakhulu kwixesha elidlulileyo kwicandelo labucala. Kodwa bahlala beqinileyo kummandla karhulumente, apho iintlawulo zexesha elide zikunceda ukucima imivuzo ephantsi ehlawulwa kootitshala, abacima umlilo kunye namapolisa.
Ukuba uye wabamba imisebenzi emininzi kwimisebenzi yakho, unokufanele uhlolisise umva ukuze ubone ukuba ngaba unelungelo leempesheni. Kungenzeka ukuba iidola ezimbalwa ngenyanga, kodwa zonke iindleko ze dolali, kunjalo?