Kufuneka Uninzi Kangakanani Uhlawulo Oluphantsi kwaye Ufanele Ufumane Kuphi?
Ukufumana isantya semali esezantsi kakhulu kwaye ukhuphe i- inshurensi yangasese yokubambisa imali , kukulungele ukuhlawula ipesenti ezingama-20 - ezininzi zamaBhenjamin xa ucinga ngexabiso lezindlu. Kodwa unokuqalisa njani ukugcina amashumi amawaka eedola ngokuthenga? Nantsi imali yakho yokubolekwa kwemali phantsi kwentlawulo.
Ubungakanani Okumele Uwasindise Ngentlawulo Ephantsi?
Ngokufanelekileyo, kufuneka uzame ukusindisa iipesenti ezingama-20 phantsi kwentlawulo ukuze ugweme iindleko ezongezelelweyo ze-inshurensi yokuthenga imali kunye nokulingana kwindlu yakho entsha ukususela ekuhambeni, kodwa loo nto ingaba ngumsebenzi onzima. Ngokomzekelo, ngexabiso lemali kwi-$ 200,000, ukhangele ukuza kunye ne-40,000 yeeRhafu kuphela ukuhlawulwa kwentlawulo, engabandakanyi iindleko zokuvala okanye ezinye iindleko ezihlobene nokufumana imali yokuthenga imali kunye nokuthenga indlu. Iindaba ezilungileyo kukuba le ntlawulo ayihla ndawo; Uhleli endlwini yakho kwaye xa uthengisa, uyifumana kwakhona njengenxalenye yobulungisa bakho.
Nangona iipesenti ezingama-20 zexabiso lokuthenga kufuneka zibe yinjongo yakho, akufanele uvumele iipesenti ezingama-20 zilawulwe ukuba ungabi nekhaya. Ngamanye amaxesha ukubeka inkokhelo encinci yeyona ntlawulo ibe yinto enobulumko. Imeko nganye kufuneka ilinganwe ngokwayo; ukwenza isigqibo esekelwe kwimiba emfutshane neyexesha elide.
Ukuba ukhululekile ngentlawulo engaphantsi kwama-20 eepesenti, jonga i-Federal Housing Administration okanye Ulawulo lwe-Veteran kunye neziphathimandla zezindlu zaseburhulumenteni kwiinkqubo ezinokunikezela ngeentsapho zokuqala kunye nezenzalo eziphantsi ukuba zifumane imfuno yokuhlawula phantsi. mboleko. Isebe leSebe lezoLimo laseMelika leSebe lezoLimo libonelela ngenkqubo ejoliswe ekukhuthazeni abathengi abafumana umvuzo ophantsi ukuya kuthengwa kwiindawo zasemaphandleni.
Ukugcina iCash for Pay Down
Ngokuqhelekileyo ukuhlawula kwehla kuvela kwimvelaphi yokugcina imali. Ukuba uhamba kule ndlela, qaphela ukuba ungaphila ngokukhululeka inyanga nganye ukuya kwindlu uze ubale ukuba kuya kuthatha ixesha elide ukuba ufumane imali ekufuneka uyihlawule ngayo uhlobo lwenyanga oyifunayo. Bonisa umfanekiso wexesha elisekelwe ekuphumeni ngeepesenti ezahlukeneyo zokuhlawula kunye nokuba yeyiphi umahluko phakathi kwezi ziganeko kwinkokhelo yakho yenyanga. Emva koko uhlengahlengise imali oyilondolozayo okanye ixesha lakho njengoko kufuneka. Kubalulekile ukuba nesicwangciso uze ubambelele kwisicwangciso.
Ngokomzekelo, zithi ufuna ukuthenga indlu ebiza i-$ 200,000. Ukuba ufuna ukubeka phantsi ipesenti ezingama-20, uzakufuna i-$ 40,000. Ukuba ulondoloze i-$ 1,000 ngenyanga kuya kuthatha iminyaka emithathu kunye neenyanga ezine ukuhlawula.
Ukuba ufuna ukubeka ipesenti ezili-10, ungayigqiba loo mali kwisiqingatha sithuba. Bonisa umfanekiso ongcono ngokusekelwe kwiimeko zakho.
Ufuna ukuba imali yakho isebenzele wena ngelixa ugcina. Imali ehleli e-akhawuntini yokugcina imali ifumana inzala encinci kwaye ayiyi kukunceda ufinyelele umnqweno wokulondoloza kwakho ngokukhawuleza.
- Khangela kwi-high-yield savings okanye i- akhawunti yemarike yemali yokugcina imali yokuhlawula imali. Ngokuqhelekileyo ufumana inzala engakumbi kule akhawunti ngaphandle kokwenza i-akhawunti yokugcina imali.
- Khangela isitifiketi sediphozi , esibizwa ngokuba yiCD. Unokuguquguquka okuncinci kunye nokuthengiswa kwezi mali, kodwa ukukhuselwa kweenqununu kunye nezivuno kunokuba luncedo xa kuthelekiswa ne-akhawunti yokugcina imali.
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Ukuba njengamanje unayo imali egcinwe kwiakhawunti yomhlalaphantsi , banokukwazi ukufakwa.
Kwiminyaka engama- 401 (k) kunye no- 403 (b) izicwangciso zomhlala-phantsi zivumela ukuba abathathi-nxaxheba baboleke imali kwi-akhawunti yokuthenga indlu entsha. Ukongezelela, ukuba unayo i-akhawunti ye-IRA unokurhoxisa imali yendlu ukuba ungobucala bokuqala ekhaya.
Ngokungafani neminye yemali-mboleko, i-401 (k) mboleko ayiyi kubalwa kwinqanaba lakho lemali-ngeniso xa ufaka isicelo sokubambisa imali, kwaye ayiyi kuphazamisa amanqaku akho. Oku kuthethi, kukho imiphumo emikhulu xa ungaphumeleli ukubuyisela imali mboleko. Ezi ziquka ukuhlawula irhafu yengeniso kwimali oyibolekisileyo kwaye mhlawumbi isohlwayo sokususwa kwexesha elide ukuya kuma-10 ekhulwini. Yaye ukuba ushiya umsebenzi wakho ngelixa uhlawula imali yakho engama-401 (k) mboleko, unokuphela kweentsuku ezingama-60 ukuya kwi-90 ukususela ekupheleni ukuhlawula ngokupheleleyo. Ezinye iindleko zemboleko-mboleko yindleko. Ubuninzi kangakanani ukukhula kwimpahla yakho yomhlala-phantsi olahlekile ngayo ngokuboleka loo mali? Ezi zizo zonke iingqwalasela okumelwe zicingwe ngazo, kubandakanywa ukuba unakho ukubuyisela imali mboleko kunye ne-mortgage entsha, nokuba ngaba umboleki-mali akaqwalasele le matyala kwi-qualification process.