Musa ukubeka izicwangciso zakho kwiholo lakho
Enye yezona nkalo ezinzima malunga nokucwangcisa umhlala-phantsi kukuba umgaqo jikelele wesigxina esisekelwe malunga nokuba imali enokuyidinga ukuthatha umhlalaphantsi ithambekisa ukubonakalisa izinga lakho ngeniso.
Oku kubonisa iingxaki ezininzi kulabo abazama ukucwangcisa umhlalaphantsi.
Ngokomzekelo, iingcali ezininzi zezezimali zithi ufuna ukufaka indawo phakathi kwe-70% ukuya kwi-85% yengeniso yakho yangaphambili yomhlalaphantsi. Ngoko ukuba ufumana i-$ 100,000 ngonyaka, iinjongo zakho kufuneka zibe kukudala imali engenayo yokwenza umhlalaphantsi ukuba uza kuphila kwindawo ethile phakathi kwe-$ 70,000 ukuya kwii-85,000 zamawaka ngonyaka.
Ingxaki Ngokuxhomekeka Kweemfuno Zakho Zokuhlala Kwi-Off Current Income
Ngelishwa, olu hlobo lolawulo lwesithupha aluncedo kubantu abasemagaleni okuqala emisebenzi yabo. Ukuba uneminyaka yakho-20 okanye i-30s, unokufumana imali engenayo ebonisa umvuzo wezinga lokungena.
Ngaphezu koko, ukuba ubuphakathi kwimiba yakho kwaye wenze isigqibo sokwenza utshintsho lomsebenzi, unako ukufumana ithuba leminyaka elingaphantsi kwemali engenayo.
Xa ungaqinisekanga ukuba iyintoni imali yakho yokufumana umhlala-phantsi ngaphambi kokuba uthathe umhlalaphantsi, unokuyenza njani nayiphi na ingqinisiso malunga nemali oyifunayo ngexesha lokudala?
Enye ingxaki: Kuthiwani ukuba Ungumgcini?
Ngaphambi kokuba siyiphendule lo mbuzo, makhe siqalise ingxaki enye kunye "nokubuyisela inkokhelo yakho" yesigxina. Eli cebiso lithintela ekucingeni ukuba usichitha ininzi yengeniso yakho.
Emva kwakho konke, ukuba ugcine u-10% ukuya kwi-15% yengeniso yakho yomhlalaphantsi kwaye mhlawumbi omnye u-10% ukuya kwi-15% yengeniso yakho yezinye iintlobo zokungabikho kwemhlala-phantsi zokugcina imali, ngoko ke ukuba ngaba uchithe kwindawo ethile malunga no-70% ukuya 85% yengeniso yakho.
Kunengqiqo phantsi kwelo xesha lithile leemeko ukuba xa usichitha uninzi lwento oyenzayo kwaye ungalindelanga ukuba iimpahla zakho zokuchitha utshintshe nayiphi na ngexesha lokuthatha umhlalaphantsi, ngoko kufuneka udale imali eyaneleyo ukuze yonke into ihlale ifana . Oku kubonakala ngathi yinto engacingi.
Akukho imeko yokuba abantu bachithe ubuninzi bezinto abazenzayo. Abanye abantu bachitha ngaphezu kwezinto abayifumanayo, bephelile ngetyala lekhadi lesikweletu , ngelixa abanye bechitha imali engaphantsi kwexabiso abayifumanayo.
Esi sibini, kwaye mhlawumbi isizathu esichukumisayo sokuba kutheni umlinganiselo wakho wokuthatha umhlalaphantsi kwimali yakho engenayo kunokuba iindleko zakho zingabi sisisombululo esihle kakhulu sokucwangcisa.
Sisiphi isisombululo?
Gxininisa kwiMali, ayiyi kuNikwa
Ndiya kucetyiswa ukuba ubeke iingcamango zakho zomhlalaphantsi kwinqanaba lokuchitha imali kunokuba ufumane ingeniso yakho. Oku kusombulula zombini iingxaki ezimbini ezibhekiswe ngasentla.
Ngoku ngoku kuthethwa, kuyinyaniso ukuba ukuchitha kwakho umhlalaphantsi kuya kuba kuhluke kunokuba usebenzisa imali namhlanje. Xa umhlala phantsi, umzekelo, unganakho ukuhlawula imali . Abantwana bakho banokukhula kwaye bahlale bebodwa, kwaye akusayi kubakho ukuxhasa kwabo. Iindleko ezihambelana nomsebenzi wakho ezifana nokunakekela abantwana, izambatho zoshishino kunye nezindleko zokuhamba ziya kutshabalalisa.
Oko kuthetha, unokuba nezinye iindleko ongekho namhlanje. Imirhumo ye-Out-of-pocket kunye neendleko zonyango inokuba yinkxalabo enkulu. Ungaphinda ufune ukukhupha imisebenzi ephathelene nekhaya okwenzayo njengamanje njengendawo yokucoca amanzi, amaqabunga ama-raking, okanye iqhwa elikhethiweyo xa uhlala kuma-70s kunye nama-80.
Ungakhetha kwakhona ukuhamba ngaphezulu , usebenzisa umhlalaphantsi wakho ukuhlola izinto ezithandwayo ongazikwazi ukuzenza ngexesha lokusebenza kwakho.
Konke oku kusikhokelela kwikota yesibili, okokuba nangona imali engenayo ayikho isiseko esifanelekileyo sokumisela ukuba imali enokufuneka ube nayo kwiphothifoliyo yakho yokuthatha umhlalaphantsi, iindleko azikho ukhetho olufanelekileyo. Nangona kunjalo, esikhundleni sezinye iindlela ezingcono, iindleko ziba yindlela efanelekileyo yokujonga indlela enkulu ngayo iphothifoliyo okufanele ujonge ukuyidala.
Ukuba sisamkela ukuba ezinye zeendleko zakho zangoku ziya kunqumla, kodwa ezinye ziza kukhula, kwaye siza kubeka iibhola ezi zimbini ukuba zihlambe, ngoko kuyacaca ukuba kuthethwa ukuba imali oye uchithayo ngoku ingaba ngumlinganiselo uchitha ngexesha lokuhlala umhlalaphantsi.
Ingakanani Imali Oya Kufuneka Uyihombe?
Ngoku ngoku siye saqulunqa loo nto, ingakanani imali oya kuyidinga ukuba uyithathe umhlalaphantsi ?
Nanku umgaqo obanzi wesithupha: wandisa imali yakho yonyaka ngoku-25 . Lobu bubungakanani besikhothifoliyo kuya kufuneka ukuba ube ngumhlala phantsi ukuze uhoxise ngokukhuselekileyo u-4% waloo mali iphothifoliyo minyaka yonke ukuze uphile.
Ngokomzekelo, ukuba ngoku uchitha i-$ 40,000 ngonyaka, uya kufuna iphothifoliyo yokutshala imali engama-25 ubukhulu, okanye i-$ 1 yezigidi ekuqaleni komhlalaphantsi wakho. Esi sinani esaneleyo esinokuthi uhoxise i-4% ye-$ 1 yezigidi zeepotifoliyo kunyaka wakho wokuqala wokuthatha umhlalaphantsi, kwaye enye enye i-4% ilungelelanise ukunyuka kwamaxabiso kunyaka ngamnye ozayo kwaye ulondoloze ithuba elifanelekileyo lokuba awuyi kukhupha imali yakho .
Oku kungathi kunzima, kodwa xa uqala ukugcina umhlalaphantsi useneminyaka engama-20 ubudala, unako ukuhlawula i-dollar yezigidi ze-dollar kwimivuzo ye-30,000 ukuya kwi-40,000. (Khangela le nqaku malunga nokuphazamiseka ngokubanzi kweematriki emva kokuba ube ngumgidi-mali kwi-40,000 yomvuzo.)
Kuthiwani Ukuba Ufumana Isiqalo Sokuqalisa Ngokulondoloza?
Ukuba, nangona kunjalo, uqala kamva ebomini, ungadikibali. Into ebalulekileyo okufuneka uyikhumbule kukuba indlela efanelekileyo yokuhlawulela ukufumana isiqalo sokugqibela ukufaka isandla kwiakhawunti yakho.
Ngamanye amagama, gcina ngaphezulu kwaye ulondoloze nzima . Inkqubo yokuphepha, nangona kunjalo, iyandisa ukwanda kwengozi yakho njengendlela yokwenza ixesha elilahlekileyo. Ungagqithisi ngaphezu kwesabelo sepotfolio yakho kwisitokethi kwiimeko zokuba ufuna iimali-mali ezikhuselekileyo ukuhlawulela ixesha lokugcina imali.
Emva kwakho konke, umngcipheko usebenza ngeendlela zombini, kwaye ukuba oko bekuya kuphendukela kuwe, awuyi kuba nexesha elininzi lokubuyisela.
Khangela ixabiso lentlawulo ephantsi-mali kwaye usasaze utyalo-mali phakathi kwe-mix mix of stocks and bonds. Qhubeka uqhubeka ukwenza oko rhoqo ngokuqhubekayo komsebenzi wakho kunye nenjongo yokulondoloza amaxesha angama-25 akhoyo okwenzayo ngemali ohlala kuyo.
Sebenzisa abahlalutyi bokuthatha umhlalaphantsi ukuze uqiniseke ukuba ulandelelwano, kwaye ungayigxininisi kakhulu kwiinkcukacha zetyala kwiindaba zezimali. Udlala umdlalo wexesha elide , kwaye ukubanjwa kwintlanzi yosuku lweemarike kuya kuphelisa inkqubela yakho.
Ukuba ulondoloze umhlalaphantsi kunye nokuqala kokuqala, gxininisa iindlela onokunyusa ngayo imali engenayo okanye ukunciphisa iindleko zakho . Ukuba unako, yenza intsebenziswano zombini. Nantsi indlela ezi zicwangciso ezinokukunceda ukuba unxweme.
Ukuhlenga kwakhona oko kuthethwa nguMhlalaphantsi
Le mihla, akuqhelekanga ukuva ngabantu "abanomdla wokuthatha umhlala-phantsi" kubasebenzi, nokuba ngaba abanako ukufumana umhlalaphantsi ngokupheleleyo, okanye ngenxa yokuba bafuna ukuhlala bexakekile.
Ukuba unesiqalo sokugqibela ukugcina kunye nokufuna ukufumana ngaphezulu ukwenza umehluko phakathi kokufunayo kunye nento onayo, qwalasela ezinye iindlela ezingaphambi kokuba "ngokusemthethweni" uthathe umhlalaphantsi.
Ngokomzekelo, ukuba uyayithanda umsebenzi wakho, kunokuba kunengqondo ukuhlala kwaye usebenzise inxaxheba ngeminikelo ehambelana nomqeshi kunye neminikelo yokubambisa kwi-401 yakho (k). Ukungathethi, ufumana ukugcina ezinye zakho iingenelo.
Mhlawumbi awuyithandi umsebenzi wakho, kodwa uyayithanda intsimi osebenza kuyo. Ngaba kunokwenzeka ukuba usebenze ixesha lesithuba njengomcebisi ngeminyaka embalwa ngelixa imali yakho iyaqhubeka ikhula?
Mhlawumbi awufuni ukuyeka ukusebenza ngokupheleleyo, kodwa ufuna ukuqala umsebenzi wesibini kwinto oye wayithandeka ngayo ixesha elide. Ukuba kuthatha umvuzo wokunquma ukuvumela ukuba ube ngumzila wokuhlangabezana neemfuno zakho zokugcina umhlalaphantsi, qalisa uhambo olutsha kwishishini elitsha iminyaka embalwa.
Ukubuyisela kwakhona indlela yokuphila yokuhlala phantsi
Mhlawumbi awuzange ufumane isiqalo sokugqibela ngokusindisa kodwa awukwazi ukukhuphela utshintsho olongezelelweyo ukwakha iphothifoliyo ebonisa inqanaba lakho langoku lenkcitho.
Ukuba ukufumana imali eyongezelelweyo akunakwenzeka, ngoko kufuneka uhlaziye uhlobo oluthile lokuphila ofuna ukuhlala ngalo kumhlalaphantsi.
Ngokomzekelo, xa abaninzi abantu becinga ngokuthatha umhlalaphantsi, bacinga ukuphumula okungapheliyo, indawo yokutshatyalaliswa kwetropiki, igalofu, okanye imidlalo yokudlala amakhadi kunye nabahlobo.
Oko akufuneki ukuba yintoni umhlala-phantsi wakho ubonakala ngathi, nangona kunjalo. Kukho iindlela ezininzi zokunciphisa iindleko kunye nokugcina ubomi obangel 'umdla kumhlalaphantsi.
Esikhundleni sokugcina indlu okwangoku, kungenza kube nengqiqo ekunciphiseni kunye nokuthatha umhlalaphantsi kwilizwe elingenalo irhafu yengeniso. Ungayithatha inyathelo elongezelelweyo kwaye uthathe umhlalaphantsi kwenye indawo ngaphandle kweendleko zokuphila. Unokwenza nokuba unqume ukuba ngumhambi onobuhlanga kwaye uthengise ikhaya lakho, uthenge i-RV , kwaye ubone yonke i-US efunekayo.
Kukho iindlela ezininzi zokwenza umsebenzi wokuthatha umhlalaphantsi, kufuneka udlale kunye neenombolo ukuze ubone okusemandleni akho. Ngoko ukuba iphothifoliyo yezigidi ze-$ 1 ayikho kwikamva lakho, qaphela ukuba yiyiphi, kwaye utshintshe indlela yokuphila esekelwe kuyo.