Yazi Oko Uya Kufuna Ngomhlalaphansi
Unokuchitha ixesha elingakanani ngoku, kwaye uza kutshintsha njani?
Indlela efanelekileyo yokuqala ukuqikelela iindleko zomhlala-phantsi kukuba usebenzise umvuzo wakho wenyanga wokuhlawula ekhaya njengendawo yokuqala, uze ubuze imibuzo embalwa eyongezelelweyo. Sebenzisa le mibuzo ilandelayo ukuba ikukhokele kule nkqubo:
- Iyiphi intlawulo yakho yenyanga yokuhlawula ekhaya? (Yiloo nto ifunyanwa kuwe emva kokuncitshiswa kweerhafu, izicwangciso zomhlala phantsi, i-inshurensi, njl.).
- Ziziphi iindleko eziphuma kwi-paycheck yakho ukuba uya kufuneka uhlawule ngaphandle kwe-pocket xa uhlala phantsi. (Ngokomzekelo, inshorensi yempilo.)
- Ziziphi iindleko ezongezelelweyo ofuna uhlahlo lwabiwo mali ngexesha lomhlalaphantsi ? Oku kuya kubandakanya izinto ezifana nokuhamba, okanye imali eyongezelelekileyo yeendleko zonyango.
- Qinisekisa ukwakha kwindleko yenyanga yenyanga yezinto eziza ku funeka zitshintshwe njengezinto ezinkulu zokulungisa ikhaya okanye ukuthengwa kwemoto.
- Ngaba unayo iindleko eziya kunciphisa umhlalaphantsi? Umzekelo, ukuba unomsebenzi omde wokuhamba, ukuhamba kweendleko zakho kungancipha emva kokuthatha umhlalaphantsi. Ukuba ufanele ugqoke impumelelo emsebenzini, mhlawumbi umhlala phantsi, i-bill you clean cleaning bill iya kuncipha.
Umzekelo:
- Intlawulo yokuhlawula ekhaya yenyanga ngoku: $ 4,300 ngenyanga (i-$ 51,600 ngonyaka).
- Iindleko ezigqitywe ngumqeshi wakho oza kuphuma ngaphandle kwekhefu emva kokuthatha umhlala-phantsi: ngoku wakho umqeshi uya kuhlawula iiprimiyam zomshuwalense. Ufunda ukuba emva kokuba umhlala phantsi uza kuhlawula i-$ 350 ngenyanga ($ 4,200 ngonyaka) kule ngxelo.
- Iindleko ezongezelelweyo: Uceba ukuhamba ngomhlalaphantsi, ngoko uhlalutye imali engaphezulu kwama-$ 500 ngenyanga ($ 6,000 ngonyaka) ukuhamba.
Emva kokugqibela kwezi ndleko, uqikelele ukuba iindleko zakho zonke kwi-retrait ziya kuba yi-$ 5,150 ngenyanga, eyi-$ 61,800 ngonyaka.
Qaphela: Thatha ixesha lakho ngeli nyathelo. Ufanele ukwazi okungaphezulu okanye ngaphantsi kangakanani oza kuyichitha ukuze unqume ukuba uza kuyidinga ukuthatha umhlalaphantsi .
Enye yezona mpazamo ezinkulu ndizibona zithatha umhlalaphantsi zijonganisa ukuba ziza kuba zifuna kangakanani ukuchitha umhlalaphantsi ukuze ziphile ngendlela ephathekayo. Baye baphela ngokugqithiseleyo ngenxa yokulahlekelwa izinto kwiluhlu lwabo lokuqala lweendleko zomhlalaphantsi. Izinto eziqhelekileyo ezilahlekileyo zizinto zenzeke rhoqo ngonyaka njengeentengo zendawo yokuhlala kunye neeprojama zomshuwalense, iindleko zonyango ezifana namazinyo, ukunakekelwa kwamehlo, nokuva, kunye neendleko zexesha elifana nokugcinwa kwekhaya kunye nokulungiswa kwemoto.
Linganisa iRhafu oya kuhlawulwa kwiNgeniso yeMhlala-phantsi
Ngaphandle kokuba umthombo wakho wecandelo loKhuselo loLuntu, mhlawumbi uza kuhlawula irhafu xa usuhlala phantsi . Unokusebenzisa isantya sokurhafu esicatshulwayo, njengama-25%, okungcono kunokuba ungabhalisi kwiirhafu nonke. Nangona kunjalo ukuza nexabiso elingu-dollar elichanekileyo kuhlahlo lwabiwo-mali, kunye nokusekwa kweentlawulo zakho zokubamba iirhafu okanye iintlawulo zekota, kuya kufuneka wenze ukuhlaziywa kwentela. Ukuhlawula irhafu kuqikelelo owenzayo ngaphambi kokuphela konyaka ukubonisa ukuba ukubuyela kwakho kwentela kuza kubonakala ngathi.
Kutheni kubaluleka ukuhlawula irhafu?
- Ukuba unesithakazelo somhlalaphantsi, izakhiwo zokuqashisa, kunye / okanye uninzi lweholo lakho lomhlala-phantsi liza kuvela kutyalo-mali olungekho ngaphakathi kwiplani yomhlalaphantsi, unokuhlawula imali encinci kwerhafu emva kokuba umhlala phantsi.
- Ukuba unemali yempesheni, kunye / okanye uninzi lweholo lakho lomhlala-phantsi liza kuvela kwizicwangciso zokuthatha umhlala-phantsi ezifanelekileyo ezifana ne-IRAs okanye i-401 (k), kunye / okanye ikhaya lakho lihlawulelwa, izinga lakho lokurhaxisa umhlalaphantsi liphezulu kunokuba cinga.
Ngenxa yokulula, kwaye ukuqhubeka nomzekelo oqalwe ngasentla, siya kusebenzisa isilinganiselo serhafu eqikelelwayo. Masicinge ngomntu kumzekelo wethu kuya kuba se-15% yerhafu engaphantsi, kwaye ininzi yabo yengeniso iya kuvela kwi-akhawunti yomhlala phantsi (oko kuthetha ukuba ityala lonke).
Ukubalwa:
- $ 61,800 / (1-.15) = $ 72,705
Kubalwe ngenhla, ukwahlula umvuzo wakho ngenani eli-1 ngaphantsi kwebhanki lakho lentela elilindelekileyo liya kukuxelela inani lemali engenayo oyimfuneko ekufuneka uyihlawule irhafu kwaye uhlangabezane nezinye iindleko.
Lo mvuzo ozayo uza kubalwa ukuba baya kufuna iimali ezingama-73,000 zemali engenayo ngonyaka ukwenzela ukuba bathathe umhlala-phantsi.
Ukucaciswa, nantsi ukuphulwa kwemali engenayo, irhafu, kunye neendleko kumzekelo:
- $ 72,705 x .15 = i-10,905 yezigidi (iirhafu eziqikelelwayo)
- Iimali ezingama-61,800 (iindleko zokuhlala) + $ 10,905 = $ 72,705
Xa usuqikelele kangakanani ukuba uzakufuna ukuchitha ixesha lunye unyaka, hlela kwisinyathelo esilandelayo kwinkqubo yokucwangcisa, kwaye uqale ukongeza imithombo yakho engenayo yemali engenayo .