Isizathu sokuba Ufanele uCombulule ukuhlawula umhlala-phantsi, ungafumaneki

Ingeniso, uhlawulelo lwemali kunye nokuhoxiswa akuyona into efanayo.

Igama elithi "ingeniso" lindifumana enkingeni xa ndithetha nabantu ngokuthatha umhlalaphantsi. Ndiyinkathazo kuba xa ndithi abantu abangenayo imali bayicinga ukuba ndiyifumana imali evela emsebenzini, iiNtlawulo zeNtlalo ezifumanayo, ingeniso yempesheni , okanye inzala kunye neentlawulo ezivela kwiimali zabo. Le ncazelo yengeniso ilandelelanisa oko kuza kubonisa ukubuyiswa kwentlawulo yakho njengeniso. Nangona kunjalo, le nkcazelo yengeniso ayisoloko isebenza ngokucwangcisa umhlalaphantsi.

Into oyifunayo kumhlala-phantsi ngu- cashflow . Inyanga nganye unayo indleko, kwaye ufuna imali ezayo ukuze udibane neendleko. Ngokuxhomekeke kwindlela oceba ngayo umhlala-phantsi, loo ntlawulo ye-cashflow ivela kwiindawo ezahlukeneyo, kwaye akuyiyo yonke into iya kufumana inkcazo yezobuchwepheshe yemali engenayo.

Makhe sijonge indlela ukuphuma kwemali yekhefu yomhlalaphantsi kuhluke ngayo kuneniso.

Uhlahlo lwabiwo mali

Masithi uqikelele ukuba uya kuthenga ukuthenga imoto malunga nayo yonke iminyaka elishumi emva komhlalaphantsi. Xa uthatha umhlalaphantsi, uthengisa i-CD okanye isibophezelo esiya kukhula kwiminyaka elishumi ukuxhasa imali yakho yokuthenga imoto. Xa ukhula uceba ukuchitha zombini inqununu kunye nomdla wokuthenga imoto. Uya kuba ne-cashflow oyifunayo ukuyithenga imoto, kodwa xa i-CD okanye ibhondi ikhula ayiyi kubikwa njengengeniso kwimbuyekezo yakho yentela. Endaweni yoko, uya kuxela umdla owenziwe yi-CD njengengeniso kwimbuyekezo yakho yerhafu ngenye indlela endleleni-nangona uvumela ukuba inzala iqokelele.

Xa ufuna umhlalaphantsi, ufuna ukucwangcisa iimfuno zakho ze-cashflow kwaye ukhethe utyalo-mali olunezinga elifanelekileyo lomngcipheko ukufanisa ezo zidingo.

Ingeniso yengeniso oyifumayo kwingxelo yakho yerhafu ingafani nakwezinye iimfuno zakho zonyaka. Ngokomzekelo, ekuthatha umhlalaphantsi kwangaphambili, ungabika ingeniso encinane kwingeniso yakho yerhafu, kwaye emva komhlalaphantsi, ungabika ingeniso engaphezulu - kodwa ukuhamba kwakho kwemali kunokuhlala kufanayo.

Njani oku?

Mhlawumbi uthatha umhlalaphantsi kuma-65, kodwa wenza isicwangciso uze uqale ukhuseleko lweNtlalontle kwiminyaka engama-70. Ukuhlangabezana neemfuno zakho ze-cashflow ukusuka kuma-65 ukuya ku-70 uthengisa imali ehlawulwayo ngokukhawuleza iminyaka emihlanu kwaye uyithenga ngemali engekho yomhlalaphantsi. Inkokhelo yohlawulelo yenyanga oya kuyifumana iya kubonelela nge-cashflow, njengoko nganye intlawulo oyifumeneyo yintlangano yenqununu kunye nomdla; kodwa kuphela inxalenye yenzalo ithathwa njengenzuzo ehlawulwayo yerhafu kwi-tax return yakho, ngoko ke kule meko, unemali engaphezulu kweengeniso.

Ngoku ngokukhawuleza phambili phambili iminyaka eyisixhenxe. Xa uneminyaka engama-70 ½ ufuneka ukuba uthathe ukusasazwa kwonyaka kwiakhawunti yakho yomhlalaphantsi. Ezi zihoxiso zichazwa njengeniso yerhafu yokubuyiswa kweerhafu. Unyaka ngamnye ukhula kufuneka uhoxise inani elikhulu le-akhawunti yakho yomhlala phantsi. Akunakufuneka uchithe konke. Kule meko, unemali engenayo ngaphezu kweemfuno zakho zemali.

Ingxaki yegama?

Ngaphandle kokuba unemali eninzi malunga nesixa semali yokuphuma kwemali oya kuyidinga umhlalaphantsi, akunakwenzeka ukuba uya kuba nokuphila kwimali yakho engenayo; Endaweni mhlawumbi kuya kufuneka usebenzise enye inqununu yakho ngokulandela isicwangciso esikuvumela ukuba uyisebenzise kwizinga elilinganisiweyo ukuze ube nokuphila kokuthatha umhlala-phantsi ngokukhululekile, ngeli xesha lingekho umngcipheko wokuphuma kwemali.

Olu hlobo lokucwangcisa isisombululo semali ye-cashflow oyifunayo.

Akunandaba nokuba ubiza ingeniso okanye ukuphuma kwemali okanye ukurhoxiswa kweakhawunti; Yintoni ebalulekileyo kukuba ukuba usebenza nomcwangcisi womhlalaphantsi okanye uthetha nomlingane wakho, ukuba nonke nivumelane kwaye niqonde ukuba uthetha ntoni xa usebenzisa la magama. Oku kuya kunciphisa ukudideka njengoko uqala ukuphumeza isicwangciso sakho kwaye kuya kunceda ukukhokelela ekutshintshelweni ngokugqithiseleyo kwiminyaka yakho yomhlalaphantsi.