Indlela yokudala umvuzo wexesha lomhlalaphantsi
Yenza itemplate
Qala isicwangciso sakho sokufumana umhlalaphantsi ngomqolo omnye kunyaka ngamnye wekhalenda, kunye nobudala bakho (kunye nokuba ubudala bomtshato obesetyhatiweyo) baboniswe ngasemva komhla wekhalenda ngamnye.
Ukwandisa lo msebenzi ngokulindeleka kobomi . Uyakubona isampula yokufumana umhlala-phantsi wetafile etafileni phantsi kweli nqaku.
Yenza izihloko zekholomu nganye into oyongeza kuyo. Sebenzisa uluhlu olungezantsi ukufumanisa ukuba yiziphi izinto ozongezayo.
Uluhlu lwemithombo echanekileyo yengeniso yomhlalaphantsi
Yongeza iikholomu kumthombo ngamnye weengeniso ezinqamlekileyo ezifana:
- Ukhuseleko Lentlalo - Bonisa inani eliqala kunyaka / iminyaka uceba ukuqala izibonelelo kwaye uqhubeke nokulinda ixesha lokuphila. Kwisampula ngasezantsi kwephepha ozibonayo kwi-66 yobudala kukho isiqingatha sonyaka soKhuseleko loLuntu, njengoko lo mntu uceba ukuqala ngomhla wokuzalwa wama-66 ophakathi konyaka.
- Iqabane lakho loKhuseleko loLuntu - Bonisa umlinganiselo oqala kunyaka / yobudala lakho iqabane liza kuqala izibonelelo kwaye liqhubeke nokuhlala kwabo ubomi. Ukuba kukho ubudala okanye imohluko yempilo phakathi kwabo babini nihlala nikhumbula ukuba ekufeni kokuqala, iqabane elisindalayo ligcina inkulu yabo yoKhuseleko loLuntu okanye iqabane labo. Oku kuthetha ukuba elinye iqabane linomlinganiselo omfutshane wokuphila, umvuzo wakho wokuthatha umhlala-phantsi uza kufaka imali ekhudlwana yoKhuseleko loLuntu emva kokuba ixesha elide elilindelekileyo elinye iqabane lifikile.
- Umhlalaphantsi wakho - Bonisa umlinganiselo oqala kunyaka / iminyaka uceba ukuyithatha. Ikholamu eyahlukileyo isetyenziselwa umthombo ngamnye wembuyekezo yempesheni.
- Umhlala-phantsi womlingane wakho - Bonisa inani eliqala kunyaka / iminyaka uceba ukuyithatha. Ikholamu eyahlukileyo isetyenziselwa umthombo ngamnye wembuyekezo yempesheni. Ukuba utshatile, qi
- Imali yeNkcazo - Faka le nto kuphela xa unomvuzo onokukuhlawula imali elincinci elincinciweyo eqala kumhla okanye umhla othile, kunye nokuhlawula okuqhubekayo ebomini, ubomi obudibeneyo, okanye ixesha elimisiweyo .
- Iintlawulo - Ukuba uceba ukusebenza ngexesha lexeshana, impembelelo yempembelelo yonyaka oceba ukuyisebenzisa. Musa ukulibala, ukuba uthatha uxolo loLuntu ngaphambi kokuba uphumelele umhlalaphantsi kwaye ufumana imali engaphezulu kwemali yokufumana umvuzo , ukukhuselwa kwakho koKhuseleko loLuntu kuya kuncitshiswa, ngoko unokufuna ukunciphisa oko kukholo loLuntu loKhuseleko ngokuxhomekeke kwimbuyekezo oyilindelekileyo.
- Okunye - Ukufaka nayiphi na enye imithombo ekhoyo okanye eqhelekileyo yengeniso njengengeniso yerenti okanye i-alimony.
- Ngenye imini imvelaphi yemali engenayo- igalelo elilindelekileyo, i-inshurensi yobomi belifa, ifa okanye inzuzo yentengo evela kwintengiso yesakhiwo.
Musa ukufaka ingeniso kwimithombo yengeniso-mali njengemali-mali, inzala, okanye ukuzuza kwemali. Endaweni yoko, uya kusebenzisa isicwangciso sakho sokufumana umhlalaphantsi ukubala ukuba uzakufuneka uhoxise kwiiakhawunti zakho zezimali.
Yongeza iindleko, kuquka iirhafu
Emva koko, qi kelela iindleko zakho zokuhlala zonyaka. Uluhlu lwezinto ezifana ne-mortgage engakhokhelwa kwiminyaka embalwa kwikholamu eyahlukileyo. Ngokomzekelo osezantsi kwephepha ubona i-mortgage iya kuhlawulelwa kwisithuba se-2025, ngaloo nyaka umrhumo wonyaka wokuhlawula umyinge wonyaka wonyaka, kwaye loo mali ihamba.
Iirhafu zerhafu ziyahlukahluka ngokuxhomekeke kwingeniso yakho yonke kunye neentlawulo. Kungcono ukwenza ucwangciso lwerhafu unyaka ngamnye ukucwangcisa ngokuchanekileyo le nto. Ngokomzekelo endiwusebenzisayo, lo mntu unomvuzo kuphela we-IRA. Nakuphi na ukurhoxiswa okumelwe kuthathe kuyakuza kuvela kwi-IRA yabo kwaye kuya kuba neerhafu ezihlawulwayo.
Basebenze kunye nabacwangcisi babo berhafu, basebenzise ixesha lokufumana umhlala-phantsi wabo, ukuqikelela ukuba baza kufuna i-IRA yokukhishwa kwe-IRA engama-66 ubudala, eyona nyaka owenziweyo wokuqala wokuthatha umhlalaphantsi. Kweso sikhokelo, malunga ne-3,100 zamaRandi baya kuhlawula irhafu.
Ngomnyaka olandelayo baza kuba ne-Income Security yeNtlalo kwaye baqikelele ukuba baya kufuna kuphela nge-RRA ye-15,000 yokuhoxiswa. Umcwangcisi wabo werhafu uqikelele ukuba uxanduva lwabo lwerhafu luya kuba malunga nama-3 300 elo nyaka. Basebenzisa loo nombolo kwintsalela yabo.
Bala ikhefu
Okulandelayo, icebo lakho lokufumana umhlalaphantsi kufuneka libale i-gap, okuyiyo ekulahlekisweni kuyo ukugcinwa kwi-savings, okanye intsalela ekhoyo ukuba ifakwe kwi-savings.
Ngokomzekelo wethu wongeza imithombo yengeniso (Ukhuseleko lweNtlalo kunye nomhlalaphantsi), uze ususe iindleko (iindleko zokuhlala, ukuthenga imali kunye neerhafu eziqikelelwayo) ukuya kwi-$ 34,693 eboniswe kumqolo wokuqala phantsi kwekholam ebizwa ngokuthi "Gap".
- Ukuba le "Gap" iyinombolo engafanelekanga, yiyo okuya kufuneka uyihoxise ekulondolozeni kunye nokutyalomali ukuba ube nomdla wokuthatha umhlalaphantsi.
- Ukuba "i-Gap" yintsikelelo kwaye unayo imithombo efumanekayo yemali engenayo ukuze uhlangabezane nokuphila kwakho okufunayo komhlalaphantsi kwaye unokongezelela ekulondolozeni okanye mhlawumbi uchitha ixesha elincinci.
Isicwangciso sengeniso esicacileyo somhlala-phantsi asiqapheli ukunyuka kwamaxabiso okanye utyalo-mali, kodwa kukunika indawo yokuqala; Inkcazo yonyaka ngendawo apho ingeniso yakho yomhlalaphantsi ivela khona.
| Ubudala | Unyaka | Ukhuseleko lasekuhlaleni | Pension | Iindleko eziphilayo | Mortgage | Imirhumo | Gap |
|---|---|---|---|---|---|---|---|
| 66 | 2016 | $ 14,535 | $ 9,216 | $ 42,000 | $ 13,344 | $ 3,100 | - $ 34,693 |
| 67 | 2017 | 29,651 | 9,216 | 42,000 | 13,344 | 3,300 | -19,777 |
| 68 | 2018 | 29,651 | 9,216 | 42,000 | 13,344 | 3,300 | -19,777 |
| 69 | 2019 | 29,651 | 9,216 | 42,000 | 13,344 | 3,300 | -19,777 |
| 70 | 2020 | 29,651 | 9,216 | 42,000 | 13,344 | 3,300 | -19,777 |
| 71 | 2021 | 29,651 | 9,216 | 42,000 | 13,344 | 3,300 | -19,777 |
| 72 | 2022 | 29,651 | 9,216 | 42,000 | 13,344 | 3,300 | -19,777 |
| 73 | 2023 | 29,651 | 9,216 | 42,000 | 13,344 | 3,300 | -19,777 |
| 74 | 2024 | 29,651 | 9,216 | 42,000 | 13,344 | 3,300 | -19,777 |
| 75 | 2025 | 29,651 | 9,216 | 42,000 | 6,672 | 3,300 | -13,105 |
| 76 | 2026 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 77 | 2027 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 78 | 2028 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 79 | 2029 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 80 | 2030 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 81 | 2031 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 82 | 2032 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 83 | 2033 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 84 | 2034 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 85 | 2035 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 86 | 2036 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
Xa unayo le patheni yokuhoxiswa kweprojekthi ungayisebenzisa ukudala icebo lotyalo-mali olumiselweyo xa uya kufuneka usebenzise imali yakho.