6 Iingcebiso Zokusindisa Imali ezinokukunceda ukuba uthathe umhlalaphantsi
I-Tip 1. Hambisa kwenye indawo
Ukuba uhlala kwindawo ebiza iindleko ezinjenge-dolophu enkulu okanye i-suburb ehambileyo, ukuthengiswa ukuya kwindawo ephantsi kweendleko kunokukugcina umthwalo namhlanje kunye nakwixesha elide.
Iirhafu zezindlu kunye neendleko zekhaya zihlala ziphakamileyo kakhulu kwezinye iindawo zelizwe kunezinye. Enye indlela yokugcina imali ethile, kuba ininzi yeendawo zase-United States ziindawo ezincinci kakhulu zokuhlala.
Ukufuduka kwe-US emva kokuthatha umhlalaphantsi kuye kwanda ngokuqhelekileyo. Unako ukufudukela kwiindawo ezinjengeMexico, eCosta Rica, nakwezinye iindawo eziseNtshona-ntshona zezinye iindawo ngokulondolozwa kweendleko ezinkulu ngokuhlala ekhaya. Indawo yakho entsha ingaba nje ilanga nelanga kunye nokufudumala.
I-Tip 2. Ukulahla Ukuhlala Umhlalaphantsi kwaye Ufumana Uncedo oluPhakamileyo lweNtlalo
Ngokuqhubeka nokusebenza, nokuba nje yithuba lesithuba, ukwandisa inani leminyaka kufuneka uqhubeke negalelo kwiakhawunti yakho yomhlalaphantsi (okanye imali oyifunayo kwii-akhawunti) kunye nenani leminyaka ezo zinto kufuneka zikhule. Njengebhonasi, ngokulibazisa ukufakela ukuKhuseleko loLuntu, ukwandisa inzuzo yakho yoKhuseleko loLuntu .
Ngethuba ixesha lakho lokuhlala umhlalaphantsi ngokupheleleyo (FRA) lihluka ngokusekelwe kunyaka ozalelwe ngalo, inani lakho lokufumana inzuzo lilonke likhuphuka inyanga nganye ulibaziseka kude kube seminyaka yobudala engama-70. Olu khuliso luqinisekisiwe, into ongenakuyithetha ngokubuyisela kwininzi zakho akhawunti. Ukuthatha umhlala phantsi okunjalo ukulibaziseka kuthetha ukuba awuyi kuyidinga ngokukhululeyo xa ugqiba ukuyeka ukusebenza.
Okokuqala, i-checkout yakho yeNyanga yoKhuseleko yeNtlalo iya kuba mkhulu kunokuba umhlalaphantsi wangaphambili uza kuvelisa. Okwesibini, uya kuba neyona minyaka engaphantsi kokuchitha imali yakho.
Icebiso 3. Ukuhlawula indlu yakho (kunye namanye amatyala)
Ukuba ufumana umhlalaphantsi kungekho mali , enye yeendleko ezinkulu ngexesha lakho lomsebenzi - izindlu - ziyalala. Ngexesha lokugqibela lokusebenza, cinga ngokugxila ekupheliseni lonke ityala lakho, kubandakanywa nemali yakho yokuthenga. Yimangalisa into onako ukuyifumana kwiholo elingenakunqwenelekayo ukuba unaloo ntlawulo enkulu ngenyanga uthabatha i-chunk enkulu yemali yakho yonke imihla engama-30. Oku kuthethi, ukuba ukuhlawula imali yakho ekuqaleni kuthintela amandla akho okugcina umhlalaphantsi, unokufuna ukulinganisela zakho iinketho ngokupheleleyo ngaphambi kokuba uqhubeke. Ngaba awuqinisekanga ukuba kufuneka uzame ukuhlawula imali yakho ngaphambi kokuthatha umhlalaphantsi? Khangela isibonelelo sethu somhlalaphantsi .
I-Tip 4. Gweba iintlawulo zeeNqwelomoya
Ngengqiqo efanayo, ngaphandle kokuba uhlawula imali, ungathengi imoto entsha ngomnyaka ngaphambi kokuba uthathe umhlalaphantsi ukuba awudingi ngokupheleleyo. Ukugcinwa kakuhle, imoto inokuhlala iminyaka emininzi emva kokuba iintlawulo zakho ziphelile. Ukuze ulandele le mpu ngempumelelo, kuya kufuneka uthenge - ungaqeshanga-imoto kwaye ungayifaki indawo yonke iminyaka emithathu, njengoko unokuyenza ngexesha leminyaka yakho yokusebenza.
Ngokuqinisekileyo, ungeke ufumane ithoyizi entsha ngokuphindaphindiweyo njengoko wakwenzayo, kodwa ndicinga ukuba abaninzi abantu kwiminyaka yabo engamashumi asixhenxe bafuna ukuqhuba imoto eneminyaka engama-8 kunokuqala ukukhangela umsebenzi ukuhlawula umntu oneminyaka emi-2 ubudala.
I-Tip 5. Hlaba impilo
Iindleko zonyango zingadla ixabiso elikhulu lokulondoloza umhlala-phantsi - nokuba unelungelo lokufumana inshuwalense enhle. Ukuba uthatha umhlalaphantsi phambi kokuba ufanelekile kwi- Medicare , impilo yakho yangaphambili iya kuba yinto ebalulekileyo kwimilinganiselo ye-inshurensi yempilo oyihlawulayo. Nangona ukutya okufanelekileyo nokuzilolonga akuqinisekisi ngempilo, banda amathuba akho okungafuneki iinkqubo zonyango ezibizayo. Zinike ithuba elihle lokugcina imali kwiindleko zonyango ezizayo ngokuqala imikhuba enempilo ngoku. Qinisekisa ukuba awukho kwinqanawa efanayo naleyo bantu abalilela ukuba abazange banakekele ngakumbi xa beselula.
I-Tip 6. Yiba nePensheni
Ukwanda okungaqhelekanga kwicandelo labucala, iipenshini ezichaziweyo zemivuzo zihlala ziqhelekileyo kubasebenzi abaninzi karhulumente. Ukuba khona kweenzuzo ezinempesheni yomhlalaphantsi kuguqula konke ukubalwa kokufuneka ufune ukuthatha umhlalaphantsi, kukuvumela ukuba uyeke ukusebenza ngemali encinci, kuba uya kufumana i-penki nganye yenyanga ngexesha lomhlalaphantsi. Kodwa ukuba ishishini lakho kunye nomsebenzi wokuzikhethela ungomnye wezinto ezininzi eziye zafudukela kwisibonelo somgaqo-mali esichaziweyo (njenge-401 (k) isicwangciso), kunokubaluleka uhambo ukuze ubone umcwangcisi wezemali oqinisekisiweyo-mali osisiseko-mali (CFP) ukuxoxa ngendlela onokumisela ngayo utyalo-mali lwakho lomhlalaphantsi ukuba usebenze njengempesheni.
Nangona ezi zicebiso ezintandathu zindawo efanelekileyo ukuqala xa ufuna ukukwazi ukuthatha umhlalaphantsi ngaphantsi, izicwangciso zomhlala-phantsi ezifanelekileyo ziquka ukuqala ukugcina kwangaphambili kwaye rhoqo kwaye zibandakanye ingqwalasela yezinto ezingezizo zezezimali zomhlala phantsi .