Ukuthatha umhlala-phantsi kwangaphambili kukuba kunokwenzeka ukuba ngabaPhuhli beFrugal kunye nabaCwangcisi abaPhezulu
Ngokubanzi, ukuzithemba komhlalaphantsi kuhlala kusezantsi kunye nesiqingatha sezindlu zonke zase-US zisengozini yokungabi nemali eyaneleyo kumhlalaphantsi. Ukukhuseleka okugqithiseleyo kunye neenjongo zobungqina bokuzuza ukuzimela kwemali ngokweminyaka engama-40, ukungabikho kokulungiswa komhlala-phantsi kweli lizwe akuchaphazeli umnqweno wokuba umngeni wobunzima.
Ukuthatha umhlalaphantsi kwangaphambili kukuphupha abantu abaninzi abanokukufezekisa. Kodwa into yokuba ukuguqulwa komhlalaphantsi kwangaphambili kubangela imingeni yocwangciso lwemali. Umngeni wokuqala uzama ukufumanisa ukuba imali kangakanani oya kuyidinga ukuba uyigcine xa ufika kwiSuku 1 se-Independence yezeMali. Impendulo: Kuxhomekeke kwindlela ochaza ngayo umhlalaphantsi.
Ukuthatha umhlala-phantsi kwangaphambili : Uninzi kangakanani lokulondoloza?
Isikhokelo esiqhelekileyo sabaninzi abasempesheni yomhlalaphantsi kukuzama ukubuyisela indawo engama-80 ekhulwini yeengeniso zangaphambili zomhlalaphantsi. Le njongo yokubuyisela imali ingeniso elijoliswe kuyo ukugcina impilo yakho efanelekileyo xa uhlala phantsi. Imilinganiselo yokuthatha umhlala-phantsi njengokuba oku kungasebenza kubaninzi becwangciso labasebenzi kwimini yokuqala yomhlala-phantsi yeminyaka yabo-60. Nangona kunjalo, iimpawu zokubeka umhlala-phantsi zomhlalaphantsi zingasebenzi kakuhle xa uceba ukuhlala phantsi . Oku kungenxa yokuba kusenokwenzeka ukuba abafudula bahlala phantsi baye basebenzisa ukufunwa ngaphantsi kwama-100 ekhulwini kwiholo ukuze bahlawule iindleko zokuphila.
Eminye imingeni iquka ukuqonda ukuba imithombo yokufumana umhlala-phantsi njengomthombo woKhuseleko loLuntu awuyi kufumaneka ukuya ku-62 ekuqaleni. Xa abantu baqala ukuthatha umhlala-phantsi bafanelekile ukukhuselwa kweNtlalo, inzuzo iya kuncitshiswa ngenxa yembali emfutshane yomsebenzi. Kungenxa yokuba iinzuzo zoKhuseleko lweNtlalontle zisekelwe kumyinge we-indexed monthly earnings ngethuba leminyaka engama-35 apho ufumene imali engenayo.
Nawuphi na umhlala-phantsi wokuqala umhlalaphantsi kunye nomvuzo okanye umyinge ongenamkhawulo uya kunciphisa inzuzo yakho yenyanga.
Uninzi lwabathathe umhlala-phantsi abajongene noKhuseleko loLuntu njengenzuzo eyongeziweyo. Masijongene nayo, ukuba unako ukugcina ngokugqithiseleyo okwaneleyo umhlalaphantsi kwaye umnqweno wokutshintshela ekuzimeleyo kwezemali kuma-40 wakho akunakwenzeka ukuba uthembele kwiNtlalo yoKhuseleko kuphela xa kunjalo. Ukukwazi ukuhamba kude nabasebenzi kwimigqaliselo yakho (okanye ubuncinane inkululeko yokuthatha umhlalaphantsi xa ulungele ukufumana) ngokuqhelekileyo idinga ukudibanisa kwezi zithako ezilandelayo: ngaphezu kwezilinganiso zokulondolozwa-mali-ingeniso, ukuphila okungenamsebenzi, nokuphelisa ingxaki. ityala.
Nazi ezinye iingcebiso ezongezelelweyo malunga neendlela zokuzimisela umhlalaphantsi wokuqala:
Gcina kangangoko kunokwenzeka kwi-401 (k), i-IRAs, kunye notyalo-mali. Isihluthulelo sokufumana umhlala-phantsi kwangaphambili ngokuqhelekileyo sijolise ekulondolozeni ngokugqithiseleyo imali eninzi ngangokunokwenzeka. Oku kungathi ngathi akukho-brainer kunye nabaninzi abacwangcisi bemali sele bebonisa ukunyusa ukulondoloza. Kodwa nawe ufuna ukugxila ekulondolozeni kwiindawo ezifanelekileyo okanye indawo ye-asethi. Ukunikezela kwixabiso eliphezulu elinokwenzeka kwi-401 (k) izicwangciso, iiAkhawunti zabaSebenzi ngabanye, kunye ne-akhawunti ye-brokerage inceda ukudala umqondo weentlobo zerhafu.
Ngokubanzi, ii-akhawunti zomhlala-phantsi ezifana ne- 401 (k) okanye i-IRA zinama-10 ekhulwini kwi-penalty ye-retrait of distributions ngaphambi kokuba kube yiminyaka eyi-59 ½ ubudala. Imithetho yerhafu ekhethekileyo njenge-Internal Revenue Code 72 (t) inokusinceda ukuphepha ezi zihlwayo. Kodwa ekugqibeleni ama-retrains kufuneka ekugqibeleni abandakanyeke kwiimpembelelo zerhafu ezinxulumene nalapho baya kuvelisa imali engenayo yomhlalaphantsi.
Gcina iindleko zokuphila ezingahambelani nezinga lakho lokufumana imali. Lapho ukhethe ukuhlala kwaye ukhetho lwakho lokuphila luya kuba nefuthe elinamandla ekunokwakho ukugcina. Kungenxa yokuba ngaphandle kwemali eninzi yokufumana ingeniso yokufumana imali loo maphupha omhlala phantsi aya kuhlala ephupha. Iindleko zakho zokuhlala ngexesha lokusebenza kwakho kufuneka zibe yinto efanelekileyo yokuphila komhlalaphantsi oyifunayo. I-Minimalism kunye neengcamango zokuphila ezingahambiyo zihlala zithandwa kwiqela elikhulayo labantu abanomdla ngakumbi ekuhlanganiseni amava obomi obunentsingiselo kunokuba nezinto.
Ukuba unako ukufezekisa iinjongo zobomi ezibalulekileyo ngelixa ufuna i-chunk encinci yemali oyifumanayo uya kuba sele isetyenzisiwe kwisilinganiso esincinane sokutshintshwa kwengeniso kumhlalaphantsi ngelixa ugcina impilo yakho efanelekileyo.
Ukunciphisa ityala lomthengi onomdla kunye nokugcina isilinganiselo esiphantsi kwamatyala-kuya-ngeniso. Iimbopheleleko zamatyala phantsi komhlalaphantsi uncedisa ukufumana umvuzo kwiimfuno eziphambili nezindleko zokuphila. Uninzi lwabathathe umhlala-phantsi basebenzisane nobudlelwane obuqhelekileyo bokuba netyala ngaphandle kokuguquka komhlalaphantsi. Iimbopheleleko zokuhlawulwa kwetyala kwizinto eziphathekayo ezifana neendawo zokuhlala eziphambili okanye izakhiwo zokuqashisa ziyimfuneko ngaphandle nje kokuba iintlawulo zesikweletu zenyanga ziphantsi. Ipesenti ezingama-20 okanye umlinganiselo ophantsi we-debt-to-income ngumkhokelo ophakanyisiweyo ukuba uceba ukuhlala phantsi kuma-40.
Ukuba ukugcina ubuncinane isiqingatha semali yakho engenayo akuyiyo inqobo yokukhawulela izicwangciso zakho zokuzimela, kukho ezinye izinto ekufuneka uziqwalasele. Kwesinye, ukufaneleka kwamagqirha akukhatyali kwi-65 yobudala. Oko kuthetha ukuba kuya kufuneka uqwalasele ezinye iindlela zokufumana i-inshurensi yempilo.
Ukubalwa okulula: Yandisa inani lakho elifunayo "lokuthatha umhlalaphantsi kwangaphambili" ngo-25
Ingakanani imali yokugcina umhlala-phantsi oya kuyidinga ngokwenene umhlalaphantsi? Thatha iindleko zakho zonyaka kunyaka lomhlalaphantsi kwaye wandisa le mali ngenombolo 25. Oku kuya kukunceda ukuba uqikelele ukuba uzakufuna phi ukufikelela kwinjongo yakho yokuthatha umhlalaphantsi. Ibhenkmark yokugcina umhlala-phantsi ithatha ukuba unako ukuhoxisa iipesenti ezi-4 zotyalo-mali lwakho unyaka ngamnye ngaphandle komngcipheko omkhulu wokuphuma kwemali.
Nantsi umzekelo omfutshane we-4% yekhokelo yokuhoxiswa kwezenzo. Makhe sicinge ngenjongo yokufumana umhlala-phantsi wakho ukuvelisa imali engama-40,000 yeengeniso-mali ngonyaka. Ukufeza le njongo, kufuneka ugcine imali engama-1 million yezigidi kwiminyaka oyifunayo yomhlalaphantsi. Ngoku makhe sijonge umntu oneminyaka eyi-25 ofumana i-$ 50,000 ngonyaka ngokukwazi ukugcina isigxina somvuzo wakhe iminyaka eyi-15. Kucinga ukuba i-percentage ye-return rate yonyaka ye-7, i-25,000 ye-intlawulo yemali ngonyaka, iya kukhula ibe ngaphezu kwama-628,000.
Umgaqo oyi-4 wamaphesenti unikezela ngesikhokelo malunga nokuba unako ukuhoxisa ngonyaka emva kokuba uthathe umhlalaphantsi. Ngomzekelo wangaphambili, umhlala-phantsi wokuqala uza kulindela ukufumana imali engama-25,000 engaphezulu kwenyanga engenayo usebenzisa uqikelelo lwe-ballpark.
Kubalulekile ukuba uqaphele ukuba umgaqo wokuhoxiswa kwepesenti e-4 ngaphezulu kwesikhokelo kunesiqinisekiso. Uphando olusandul Izinga lokurhoxa eliphantsi liye laboniswa ukwandisa amanani angenako ukuba iqela lokuthatha umhlalaphantsi liya kuba khona kulo lonke ixesha lomhlalaphantsi. Ukunyaniseka kwexesha elide lokuthatha umhlalaphantsi kunye nexesha elide lokurhoxisa kukuba ikusasa alinakuqinisekiswa kwaye kubalulekile ukugcina uguquko xa udala isicwangciso sokufumana umhlalaphantsi.