Iinkqubo Zokuhlawula Imali Yakho Imali
Enye yeenzuzo ekuhlawuleleni imali yakho yokubolekwa ngumyinge wokuba ibuyiswe ngokuqinisekileyo, ingeniso engozini.
Unako ukutyalo-mali ngokukhuselekileyo, utyalo-mali-mali njengesiqinisekiso sebhanki se-deposits kunye ne-securities securities, kodwa ngokukhawuleza uya kuzuza imali ephezulu kule ntlobo zotyalo-mali kunomyinge wenzala oyihlawulayo.
Ukuba uzimisele ukubeka umngcipheko, kwaye ufikelele ekutyalweni kwemali ngexesha elide, kufuneka utyalole imali yakho kwiisitokisi (mhlawumbi i- stock index index ) ukuze ube nethuba elihle lokufumana imali ezayo eya kudlula iindleko zakho .
Ngokwenza oku uboleka imali kwi-bhanki ukuyityala kwimarike yamasheya; isicwangciso esichengeni umngcipheko-mngcipheko oyintloko ukuphathwa kakubi kwezo ntalo-mali. Ngokomzekelo, abatyali-mali abaqhelekileyo bafumana ixabiso eliphantsi kweerhafu kwimarike kuba benza iimvakalelo ezinengqondo, ezingengqiqo, ukutyalo-mali.
Isifundo sigqiba abaninzi abaRhoxayo kufuneka bahlawule imali yabo
Emva kokuqwalasela ubungakanani bomngcipheko umtyalo-mali uza kufuneka athathe ukuba alindeleke ukuba afumane imali ephezulu ngaphezu kweendleko zemali yokubolekwa kwemali, i-Centre for Research Retirement Research yagqiba kwisifundo sayo esithi "Ngaba Ufanele Uthwale Umhlala-mboleko Oya Kuhlala Umhlalaphansi" xa ukhangele kumakhaya asebathathe umhlalaphantsi " bonke ngaphandle kwale ncinane encinci baya kuba ngcono xa behlawula imali yabo ." Abancinci bebaninzi ababebhekiselele kubo babezimisele ukutyalisa imali kwiimpahla ezilinganayo okanye ezigqithiseleyo imali ababoleke ngayo.
Olu pho nonongo lubhekisele kumngcipheko kunye nentlawulo kwaye yagqiba ukuba abantu abaninzi abahlala umhlalaphantsi babeya kuba ngcono xa behlawula imali yabo yokubolekwa kwemali ukuba babe nexabiso lemali ukwenza loo nto.
Umtyala wokuhlawula umboleko
Inqununu enkulu yokuhlawula i-mortgage early iyancitshiswa. Kulula kakhulu ukufikelela kwiimali ezihleli kwi-akhawunti yezobalo-mali okanye kwi-akhawunti yebhanki kunokufikelela kwimali ngendlela yokulingana kwasekhaya.
Khawucinge ngokusekwa kwetyala lomlinganiso wekhredithi emva kokuba imali yakho yokubolekwa imali ihlawulwe ukuze unikwe imali eyongezelelweyo, okanye ukufikelela kwimali yakho xa kuyimfuneko.
Ziziphi iimpahla ezifanele usebenzise ukuhlawula imali yakho?
Ukuba uhlala umhlalaphantsi kwaye ufuna ukuhlawula imali yakho yokubambisa kwangaphambili, uya kuhamba njani ngokucima impahla ukuze wenze njalo? Kulo myalelo olandelayo:
- Okokuqala, ukubeka imali engenayo ingozi kwiingxelo zentlawulo. Ngoba? Ngokuqinisekileyo uthengisa utyalo-mali olungenalo mngcipheko komnye; I-akhawunti yokulondoloza ibhanki kwikhaya elingelona i-mortgaged, umzekelo.
- Okwesibini, utyalo-mali olusisigxina kuma-akhawunti atyala. Apha ubeka imali kwiingxowa-mali ezinokukwazi ukufumana iimbuyekezo eziphezulu kunye nokuzithengisa kwikhaya elinenkululeko kunye necacileyo.
- Okwesithathu, ukuba ungaphezu kweminyaka engama-59 ½ ungacinga ukurhoxisa utyalo-mali-mali kwi-akhawunti echazwe ngerhafu ukuhlawula inxalenye yemali yakho yokuboleka imali, kodwa qaphela ukwenza oku. Ukurhoxiswa kwii-akhawunti ezihlawulwe ngerhafu zifakwe kwingeniso yakho engenayo kunyaka owathatha ukurhoxiswa. Oku kuthetha ukuba uthatha i-chunk enkulu yemali ngaphandle kwe-IRA okanye i-401 (k), ingeniso eyongezelelweyo ingakuhlahlela kwibakethi ephezulu. Unako ukukhusela oku ngokuqhekeza ukurhoxiswa okukhulu kwiimpawu ezincinci ukuba uhoxiswe kwiminyaka emininzi yekhalenda.
Ngaphambi kokuba uhlawule imali yakho yokubambisa kwangaphambili uya kufuna ukuqwalasela iimpembelelo zerhafu yakho .