Indlela i-4% yolawulo iyenziwa ngayo (kwaye ayifuni) Faka isicelo kwiiNtsapho zabaNtsapho
Makhe sibone ezinye zeengcinga ezikhoyo ngokubhekiselele kwinqanaba lokurhoxisa i-akhawunti yomhlalaphantsi.
Iindleko zokuKhutshwa koKhuseleko: Okungekho komthetho wesiThuthi?
Njengoko uMichael Kitces wabelane nomphakathi wabacebisi ngezeMali ekuHlanganiseni i -Paradox - Ngaba amaxesha aKhuselekileyo okuKhupheka aKhuselekanga ? (NgoMeyi, 2008), imeko apho imibhangqwana emibini eneefolfoliyo ezifanayo ithatha umhlala-phantsi ngaphandle kwayo ingakhokelela ekumangaliseni kunye neziphumo ezingenangqiqo kuye kuxhomekeke kwinto eyenzekayo kwimarike kwiminyaka elandelayo imibhangqwana ethatha umhlalaphantsi. Ukuba iimarike zanda okanye zinciphisa kakhulu ngexesha lonyaka xa isibini esithile sithatha umhlalaphantsi kodwa esinye asihambanga, isiqabane ngasinye siyacetyiswa ukuba sikhoxiswe ngokukhuselekileyo ngokubhekiselele kubo bonke ubomi babo ngokusekelwe kumgaqo we-4% owaziswa nguBenen, nangona ukuba kuthelekiswa, izilungiso zokurhoxisa ziphikisana. Oku kwenzeka nangona kukho ukuqala kwiphothifoliyo.
Ngaphantsi kolawulo lwama-4%, kuphela ixesha lokuthatha umhlala-phantsi kunye nexabiso leakhawunti yeqabane ngexesha lokuthatha umhlalaphantsi lichaza ukuhluka okuphawulekayo kwimilinganiselo yokuphila ephakamileyo. Ngaphandle kweminye ingqwalasela eyenziweyo, i-4% ilawula kuphela nje inganikezeli impendulo enzima kunye ngokukhawuleza yokuba nenqanaba elizinzileyo lokufumana umhlala-phantsi.
Kuphela nje kwinqanaba. Cinga ngobabini, umzekelo, ngubani owayeka umhlala-phantsi phambi kweemarike zeebhere zengxaki yezimali ka- 2008 . Ngokomgaqo we-4%, kufuneka ngokufanelekileyo bakwazi ukurhoxisa umlinganiselo ofanayo owamshiya kunyaka ongaphambili, ulungelelaniso lwemali yokunyuka kwamaxabiso. Kodwa ngaba loo mali yokurhoxiswa isagcinwa emva kokuba iphothifoliyo yabo ithathwe ngo-2008? Umbuzo awuphendulwanga kuphela ngolawulo lwe-4% kuphela.
Ngoko Yintoni Imali yokuKhutshwa koKhuseleko komhlalaphantsi?
Ayikho isisombululo esingenabungozi esichengeni sokukhutshwa kokukhuseleka. Zonke iziphakamiso zinomngcipheko wokuchitha ixesha elininzi ngokukhawuleza kwaye uphumelele okanye uchithe kakhulu kwaye, ngokukhawuleza ebomini, udimazeke ukuba awuzange uchithe ngaphambili ngaphambili ngexesha lomhlalaphantsi. Esinye isinye isiphakamiso ukusebenzisa ulawulo lwe-4% njengento yokuqala, ukukhumbula ezinye izinto ezibalulekileyo ezingakhokelela ukuba uchithe ngaphezulu okanye ngaphantsi kunyaka nawuphi na unyaka ngexesha lokuthatha umhlalaphantsi wakho, njengalezi zilandelayo:
- Impilo yakho ingahla xa ukhula. Cinga ngokuchitha imali ngaphezulu kokuqala komhlala phantsi kwizinto ezifana nokuhamba kunye neeholide kunye nolwazi ukuba uhlahlo lwabiwo-mali lwakho lokuhamba umhlala-phantsi luyakudinga kakhulu ukuba lubekwe kwi-budget yakho yonakekelo lwezempilo emva komhlalaphantsi.
- Iimarike zingathatha ngokukhawuleza ngokukhawuleza emva kokuba uthathe umhlalaphantsi. Ukuba oku kwenzeka kuwe njengokuba kwenzayo kumhlala phantsi ngaphambi ko-2008, cinga ukuchithwa kwemali esele kwiminyaka yokuqala ukunika utyalo-mali ithuba lokuba ubuyele kunokuba uqaphele ukulahlekelwa kwakho ngokuthengisa ngexabiso eliphantsi.
- Unokuphelisa ixesha lakho lokuphila. Namhlanje, abaninzi abahlala kumhlala-phantsi baphila kakuhle kwiminyaka yabo engama-90 kwaye abanye kufuneka bathathe iindleko ezongezelelweyo zobomi obude kunye nabanye ababulali bebhajethi njengokhathalelo lwexesha elide. Ukuze uhlasele umngcipheko wokukhupha impahla yakho, qwalasela ukulwa nokungenzeka ngokuthengwa kwexesha elifutshane okanye ixesha elide lokuqinisekisa ukuba ukhuselwe. Intshuwalense yexesha elide ilinganisela ukuqwalasela.
Iingxowa zokuKhutshwa kweRhafu yomhlala-phantsi azinjalo
Ngaloo nkcazelo engqinqiweyo, unokubona ukuba kutheni kungenakwenzeka ukunika izikhokelo ezichanekileyo malunga nokuba unako ukuchitha ixesha elingakanani kunyaka owenziwe ngexesha lomhlalaphantsi.
Kukho izinto ezininzi ezingafaniyo. Nangona kunjalo, njengoko abantu banqwenela ukulula okuvela kumbono oqinileyo wokuthatha umhlalaphantsi, imigaqo yesithupha ingaba luncedo. Ngokomntu, ndiya kuzama ukuqala ngo-4% ngosuku olulodwa, ndiyazi ukuba kukho iqela lezinto eziguquguqukayo, ezininzi endikwazi ukuzilawula, ezingatshintshisa umlinganiselo wam wokuchitha imali unyaka unyaka. Ukuphonononga kwakhona iphothifoliyo yam kunye nebhajethi iza kuba yinxalenye yelingano minyaka yonke.
Ngaphantsi
Ukuqhotyoshela inzuzo ekhuselekileyo yomhlalaphantsi ngokusekelwe kwixabiso lakho lepottoliyo akukona nje nje kulula nje ngezinga lokurhoxisa. Kodwa ukujonga esondeleyo kwipotifoliyo yakho kunye nokuchitha imali, mhlawumbi kunye nomcebisi wezezimali onolwazi kwicala lakho, kunokukunika ithemba lokuba uchithe ngokukhawuleza kwizinto ozinqwenela ngokwenene ngexesha elifanelekileyo elinikezelwa iinjongo zakho zomhlalaphantsi. Mhlawumbi isicwangciso esibaluleke kakhulu sokucwangcisa umhlala-phantsi kufuneka senze isicwangciso ngaphambi kokuba uqale ukufaka utyalo-mali.