Indlela yokubala Indlela eninzi efunekayo yokuthatha umhlalaphantsi

Bala isahluko phakathi kokuya kuyifuna kunye nemithombo eqinisekisiwe.

Ukuze uqinisekise ukuba uninzi lwemali oyifunayo ukuthatha umhlalaphantsi , uya kufuna ukuba uqikelelo oluchanekileyo lweendleko zakho zomhlalaphantsi kunye nemithombo yakho eqinisekisiwe yokufumana umhlalaphantsi. Emva koko unako ukubala isithuba phakathi kwala manani amabini, kwaye unqume ukuba ungakanani imali oya kuyidinga ukuyigcina ukuzalisa i-gap, okanye ungakanani okufuneka uyanciphise iindleko.

Ungasebenzisa umzekelo ongezantsi ukubala oku ngokwakho, sebenzisa i- calculator engenayo ye-retirement online , okanye uqeshise umcwangcisi wezemali oqeqeshekileyo ukukunceda.

Ukubala i-Gap

Kucinga ukuba uzimisele ukuba udibana neendleko zakho zomhlala-phantsi ozifunayo malunga ne-71,000 yeengeniso ngemali ngonyaka (inqanaba elipheleleyo elibandakanya oko uza kuhlawula irhafu), kwaye ukuba ukhuseleko lwezeNtlalo luya kubonelela malunga ne-$ 21,000 ngonyaka.

Isithuba sakho: $ 71,000 - $ 21,000 = $ 50,000.

Ngoku uyazi ukuba kufuneka uhoxise i-$ 50,000 ngonyaka ngokusindisa nokutyalomali. Ingakanani imali oya kuyidinga ukuba utyalomali ukuze uvelise i-$ 50,000 ngonyaka ngonyaka wokuhamba kwemali?

Oko kuxhomekeke kwizinto ezimbini:

• Izinga lokubuyisa imali yakho imali.
• Ingaba uzimisele ukuchitha inqununu okanye ungayisebenzisi inqununu.

Ukuba utyalo-mali lufumana inqanaba lokubuyiswa kwe-5% ngonyaka, uya kufuna i-$ 1 yezigidi ukudala i-$ 50,000 (i-$ 1,000,000 x 5% = i-$ 50,000) ngonyaka ngemali engenayo, kwaye ungayisebenzisi nayiphi na inqununu. Oku kuthetha iminyaka engama-25 kamva uya kuba ne-$ 1 yezigidi.

Ukuba unquma ukuba kulungile ukuchitha inqununu ukuya kwixesha xa ufa, ngoko uya kufuna malunga needola ezingama-704,000 ezifumana i-5% ngonyaka ukuhlala iminyaka engama-25.

Ekupheleni kweminyaka engama-25 ubuya kuchitha yonke imali.

Kule sibalo esilulayo impendulo kwindlela ofuneka ngayo kumanqanaba omhlalaphantsi ukusuka kwi-700,000,000 ukuya kwii-1 yezigidi.

Ukuhlaziywa kweGap

Ukwenza izinto zibe lula, ndiyihoxise izinto ezimbini ezongezelelweyo ezisetyenziselwa ukuchonga ubuninzi obuya kufuna ukuba uthathe umhlalaphantsi.

Leyo yintengo yokunyuka kwamaxabiso kunye nokuphila kwexesha.

Ngaphandle kokuba wazi kakuhle kangakanani ixesha oza kuhlala ngalo , yintoni oya kuyichitha unyaka ngamnye, kwaye uninzi lwefuthe lokunyuka kwamaxabiso liza kuba nalo, ngelishwa awukwazi ukuba yintoni na imali oya kuyidinga ukuba uthathe umhlalaphantsi.

Ekubeni ungeke ukwazi ngokuthe ngqo ukuba uza kuyidinga, into elandelayo efanelekileyo kukuphuhlisa imeko efanelekileyo kunye nesimo esibi kakhulu. Kwimeko enhle kakhulu imeko ucinga ukubuyiswa kwemali-mali, ukunyuka kwexabiso eliphantsi kunye nokusetyenziswa kwemali. Kwiimeko ezimbi kakhulu ucinga nje ngezantsi ukuhlawula iindleko zotyalo-mali, ukunyuka kwexabiso eliphezulu kunye neendleko ezingalindelekanga.

Unokuphinda uqhube iintlobo ezahlukahlukeneyo apho ulibazise ukuqala koKhuselo loLuntu kwi-70 yakho ubudala ukuze ufumane imali ephezulu ngenyanga. Ukuba ufuna ukuthatha umhlala-phantsi kwi-66, isixa semali siza kuba siphezulu kuma-60 akho, kodwa ke ngaphantsi kakhulu xa ufikelela kuma-70. Ukuhlaziya le meko kwifomati yomvuzo wexesha lokufumana umhlala - phantsi kunokunceda ubone ukuba zeziphi izigqibo ezinganciphisa inani eliza kuba kufuneka ukuba uthathe umhlalaphantsi.