Kungakhathaliseki ukuba yintoni umbono wakho omhle wokuthatha umhlalaphantsi, kufuneka ukwazi ukuphendula imibuzo ebalulekileyo ukuze wenze iphupha lakho libe yinyani.
Le mibuzo emihlanu yeyona nto imele ibe yintloko yemisebenzi yokucwangcisa umhlalaphantsi:
Ukhangelelani Ukwenza Okuninzi Kwiminyaka Yakho Iminyaka Yomhlalaphantsi?
Ngexesha le-20s, i-30s, kunye ne-40 kunokuba nzima ukucinga ngendlela ochitha ngayo inkululeko yakho yemali iminyaka. Emva kokuba ufike kwi window ye-10-15 ngaphambi kokuthatha umhlalaphantsi, umva wokuphuthuma uya kukwanda. Enoba uqala nje umsebenzi wakho okanye ulungele ukuqala izinto ezinqambileyo ngokukhawuleza, yenza ixesha lokufumanisa "kutheni" emva komhlalaphantsi wakho. Oku kuqala ngokuqonda ngokubanzi malunga noko ukhangele phambili ukwenza okona.
Sebenzisa le mibuzo eyongezelelweyo ukukunceda ukukukhokela:
- Ungasebenzisa njani ixesha lakho lokukhulula?
- Uceba kangangoko uhambo lokubona abahlobo okanye intsapho?
- Ngaba iindwendwe eziqhelekileyo ziya kuba yinxalenye yesicwangciso sakho?
- Ngaba ufuna ukusebenza ngethuba lexeshana, ukuzithandela okanye ukuqala ishishini?
- Uya kuthatha phi isigqibo sokuhlala?
Ukuba umhlalaphantsi uyiphupha elide okanye awukwazi ukuba ufuna ukushiya abasebenzi, gxila kwizinto ozonandipha ngokuchitha ixesha lakho okwenzayo namhlanje.
Inkcazo yakho yomhlalaphantsi ingaba lula njengoko unethuba lokunikela ixesha lakho kunye nezibonelelo kwizinto ozinandiphayo namhlanje.
Unokude Uninzi Kangakanani Imali Yakho Yokugqibela?
Lo mbuzo ucela ukuba ucinga ixesha elingakanani lokuphila. Ukulindela ubomi akusona nto onokuyonwabela ukucinga ngayo, kodwa inyaniso kukuba ixesha elide elilindelekileyo liza kudlala indima ebalulekileyo ekucwangcisweni kwakho komhlalaphantsi.
Ukuhlala ixesha elide lokuphila kwakho, enkulu iindleko zokuthatha umhlalaphantsi.
Xa isibini esiqhelekileyo sifinyelela kwiminyaka yobudala engama-65 kukho ithuba elingaphezulu kwama-50 elihle lokuba umntu omnye uza kuhlala ngaphaya kwe-90. Ngaphambi kokuba uqikelele ukuba uneminyaka engakanani oya kuchitha kuyo umhlalaphantsi, kuyacaca ukuba kufuneka ufumane ukuba ufuna ukuthatha umhlalaphantsi. Ndihlala ndicinga ukuba ndisebenzise njengento enokwenene yokulinda ubomi ngokusemandleni. Kodwa nawe kufuneka uhlaziye iingcinga zakho ngokusekelwe kwimbali yakho yempilo kunye nempilo yakho kunye nembali yakho yentsapho yokuphila ixesha elide.
Ukuba awuqinisekanga ngolu hlobo, ungasebenzisa ixesha elide lokuphila (amadoda - iminyaka engama-85; abafazi-88). Ukuba awukwazi ukuba yikuphi ixesha lokuphela komhla lokusetyenziswa (okanye umhla wakho wokuthatha umhlalaphantsi usujolise ekujoliswe kuyo) ungasebenzisa iimeko ezimbalwa zokuthatha umhlala-phantsi ukuze uqhathanise ukhetho lwakho ngamnye kumhla wokuthatha umhlalaphantsi ngokwenene.
Ngaba Uninzi Kangakanani Umhlalaphantsi Ngaba Uya Kufuna Ngempela?
Indlela efanelekileyo kukuqala ukujonga ukuba uceba ukuzama ukugcina umgangatho wakho wokuphila okanye ukulindele ukuba ufuna ngaphezulu okanye ngaphantsi. Ukuba uneminyaka engama-5 okanye ngaphantsi kwithuba lakho lokuhlala umhlalaphantsi kufuneka uzalise isicwangciso-mali sokuthatha umhlala-phantsi.
Ngaphandle koko, isikhokelo esiqhelekileyo kukujolisa ekutholeni i-70-90 yepesenti yentlawulo yokutshintshwa kwerhafu.
Unako ukulungelelanisa oku okanye phantsi phantsi kuxhomekeka ukuba ufuna ukuzonwabisa ngakumbi okanye ukuziphatha okungakumbi. Ingaba unomdla ukwazi ukuba kutheni ngaphantsi kwe-100 ekhulwini yemali engenayo ngaphambi kokuthatha umhlalaphantsi kufuneke ukuba uhlale uphila ngendlela efanayo? Uninzi lweengcaphephe zophando lubonisa ukuba iindleko zokuthatha umhlala-phantsi ngokuqhelekileyo ziphakathi kwama-70-90 ekhulwini lweengeniso zangaphambili zomhlalaphantsi.
Hlalani nikhumbule le nombolo nje nje ingqikelelo ye-ballpark kwaye ukuhlaziywa kwebhajethi yakho yangoku kunye neyokusasa kuyindlela ethembekileyo yokuqikelela imali efunwayo. Ezinye izinto ezinjengeenkcitho zakho zokuphila ezicwangcisiweyo, ixabiso lokunyuka kwamaxabiso ezayo, ukunyuka kwexabiso lokunyuka kwempilo, kunye nokuba ngaba awuyi kuba netyala, okanye ukuba awuyi kuba netyala inkolelo yokubakhokelela imali.
Nantsi i-calculator ecacileyo engayilunganga ongayisebenzisa ukuqikelela ukuba ingaba i-akhawunti yakho yokuthatha umhlalaphantsi iya kuba yintoni ekufuneka uyifumane umhlalaphantsi.
Kwakhona kunokukunceda ubone ukuba uhamba ngendlela yokufikelela kwiinjongo zakho zokufumana umhlalaphantsi.
Ndifanele Ndibe Ninzi Kangakanani Ngamhlanje?
Impendulo elula kule nto ingangoko kunokwenzeka. Ukuze ulandele malunga neepesenti ezingama-80 zengeniso yakho yangaphambi kokuthatha umhlalaphantsi, ngokubanzi kufuneka ugcine i-10-20 ekhulwini yengeniso kwiminyaka yakho yokusebenza. Le nto ingaba yipilisi enzima ukugwinya ukuba ukhona kumanyathelo okuqala komsebenzi wakho okanye ugxininise ekuhlawuleni i-debt-interest interest rate.
Ukuba awukwazi ukulondoloza amaninzi namhlanje njengokuba ungathanda ubuncinane uzame ukufaka isandla kumxhesho ohambelana nomqeshi ukuba ukhona. Ukunciphisa amatyala kuninzi kunokuncedisa ukuphucula imali yakho. Kwakhona isinyathelo esibalulekileyo kwinkqubo yokucima umhlala-phantsi. Ukuba ufuna ukubuyela kwisamba sakho sokulondoloza esifanelekileyo, sebenzisa ukubalwa komhlalaphantsi wokuhlola umhlala-phantsi ukuvavanya imali ekujoliswe kuyo ekujoliseni ukuba ufumane umkhondo.
Ingakanani i-Eck yakho ye-Nest Ingaba Unomdla Wokuchitha Unyaka Ngayo Xa Uthatha umhlalaphantsi?
Ubulumko obuqhelekileyo phakathi kwabacwangcisi bemali kaninzi lithembele kwizinga "lokukhutshwa ngokukhuselekileyo" kwi-4 ekhulwini ngonyaka. Umthetho we-25 ufana nezinga lokukhutshwa ngokukhuselekileyo. Kuthetha ukuba kwimfundiso, udinga amaxesha angama-25 eemfuno zongezelelweyo zemali engenayo yonyaka wokuqala weqanda lakho lomhlalaphantsi.
Oku kuthetha ukuba unama-$ 50,000 ngonyaka kwiindleko zomhlala-phantsi ezingagqithwanga yimithombo engenayo efunyenweyo njenge-Social Security, ipensheni okanye enye imithombo yempatho, uya kufuna i-$ 1.25 yezigidi (amawaka angama-50 e-$ 50,000) ukufikelela kule njongo. Khumbula oku kwesi sikhokelo esiqhelekileyo kunye nekota elithi "izinga lokurhoxisa ngokukhuselekileyo" lunokudukisa kakhulu. Mhlawumbi into ebalulekileyo kukuba uhlale uguquguqukayo ngexesha lakho lokuthatha umhlala-phantsi emva kokuba umhlala-phantsi wokukhutshwa ngokukhuselekileyo kuxhomekeke kulandelelwano lwentlawulo yokutsalwa kwemali kunye nexabiso lokunyuka kwamaxabiso kwiminyaka yokuqala eyi-10 yomhlalaphantsi.
Kusenokwenzeka ukuba akuyikumangalisi ukuba ukucwangciswa komhlala-phantsi kukuphambili kwezemali kwinjongo yabasebenzi abaninzi baseMerika. Ngelishwa, uninzi lwethu sichitha ixesha elide lokucwangcisa uhambo olukhulu okanye ukuthenga okukhulu kunokuthatha umhlalaphantsi. Iindaba ezilungileyo kukuba yonke inkqubo yokucwangcisela umhlala-phantsi ingabonakali kakhulu xa ucinga nje kuphela kule mibuzo emihlanu ebalulekileyo.
Landela iScott kwi- Twitter , i- Facebook kunye ne-FinancialFinesse.com .