Jabulela Inkululeko Yohlahlo lwabiwo-mali Xa Ukuhlawulwa Kwempahla Yakho Imali Kukho!
Kwimihlathi yethu yangaphambili, sasizifihla iimfihlelo ezimbini zokuqala zemali yabanqabileyo:
Imfihlo Yemali # 1: Qinisekisa into oyifunayo nokuba imali iya kubangela njani ubomi obunokuphila
Imfihlelo Yemali # 2: Yenza umzekelo ukuba ungakanani umhlala phantsi
Ngoku ngoku sijonge oko ufuna imali yakho kunye nemali enokuyidinga ukuba uthathe umhlalaphantsi, ixesha lokuba uye kwi-secret # 3 yabathathe umhlala-phantsi.
Imfihlelo Yemali # 3: Ukuhlawula Imali Yakho Imali-mboleko Ngomntwana Omncinane Njengeminyaka emihlanu
Usenokucinga ukuba andinakuzingca. Kodwa mna! Ukuba uhlala kufuphi nomhlalaphantsi kwaye unokukwazi ukuhlawula imali yakho, kufuneka. Uphononongo lwam luveze ukuba njengoko i-mortgages iphela, iinqanaba lonwabo liphakama! Enyanisweni, bonke abaphumelele umhlala phantsi ndiyazi ukuba ngubani ohlala ephupha labo amaphupha abo baye baphula okanye banciphisa kakhulu imali yabo yokubolekwa kwemali ngaphambi kokuthatha umhlalaphantsi.
Ziziphi iingeniso ezinkulu zokuhlawula imali yakho?
* Awusayi kubhatala inzala ebhankini! Le yinto ecacileyo, kodwa ngoku ungayigcina imali oyisebenzisayo kwi-mortgage.
* Ukuhlawula imali yakho yokuthenga imali kukunika inkululeko yohlahlo lwabiwo-mali ukuchitha imali engakumbi ekufumaneni injongo nenjabulo ebomini.
Amanyathelo amane okuhlawula imali yakho
Ukuhlawula imali yakho yokubambisa kunokusisongela okanye kufana nephupha elingenakufikeleleka, kodwa kunokuba lula kunokuba ucinge ukuba ulandela amanyathelo amane:
1. Gcina inkokhelo yakho yokubambisa phantsi kweepesenti ezili-15 zemali engenayo yenyanga.
2. Khangela i-bankrate.com kwinqanaba lokuqala lokuhlawula imali.
Le nto ingaba yinto ecolileyo ngokwenene- zinike isiqingatha seyure kunye ne-plug kwiqela lamanani ahlukeneyo. Zama ukwandisa iintlawulo zakho zenyanga nge-$ 50, ngoko i-$ 100, ngoko, i-$ 200, ibe yi-$ 500.
Zama ngeentlobo ezahlukeneyo. Fakela ngamanani akho kwaye ubone ukuba iminyaka emininzi (kunye needola) ingahlanjululwa ngokuhlawula isibini esingaphezu kweedola eziligidi ngenyanga. Kuyamangalisa ukuba unako ukutshintsha njani imitha.
3. Yenza iintlawulo ze-mortgage zeveki nganye (ngama-50 ekhulwini kwiphepha rhoqo emva kweeveki ezimbini kunesenti e-100 ngenyanga).
Le ngqiqweni elula eyamangalisa. Ukwenza iintlawulo ze-mortgage ngeveki nganye kuya kukunyanzelisa ukuba wenze intlawulo nganye yenyanga ngenyanga.
Umzekelo: Ukuba intlawulo yakho yokuboleka imali i-$ 2,000 ngenyanga kwaye ukhetha ishedyuli yokuhlawula iiveki ezimbini, uya kuhlawula i-$ 2,000 eyongezelelweyo ngaloo nyaka ngenxa yeendlela ikhalenda iwa ngayo. Awunakuqonda ukuba uhlawula ngaphezulu. Kuyiqhinga elikhulu ukuhlawula inkokhelo eyongezelelweyo ngaphandle kwentlungu!
4. UMthetho-wesithathu.
Ukuba usesikweni sokuhlawula imali yakho yokuthenga imali ngaphandle kokubakho kwesithathu kwisabelo sakho sokungabikho komhlala phantsi, cinga ukuhlawula imali yakho yokuthenga imali namhlanje. Njengesikhumbuzo, ukugcinwa kwakho komhlalaphantsi kufaka i-401 (k) kunye / okanye imali ye-RIA.
Umzekelo: Ukuba unetyala elingama-40,000 kwi-home yakho kwaye ube ne-$ 150,000 ekulondolozeni, ungaphakathi komthetho wesithathu. Unokuhlawula ngokukhuselekileyo imali yakho yokuthenga imali, kwaye usenokuba ne-cushion enkulu, esele yimeko efanelekileyo.
Ukulandela ezi nyathelo ezine kuya kufaka ngakumbi kukuhlawula imali yakho ngaphambi kokuthatha umhlalaphantsi, kwaye kukunika uxolo lwengqondo kwaye kukuvumela ukuba ulale kangcono ebusuku. Ngezezimali, uya kuba bhetele ukuhlala ujonge yonke imisebenzi ebomini oye wasebenza nzima ukuba uyayizonwabisa.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza.
Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.