Ungasebenzisi ii-Equity Ekhaya ukuhlawula ngaphandle kweeKhadi zeMatyala
Kungekudala usebenzise ubulungisa ekhaya lakho ukuxhasa yonke into ukusuka kwiiholide ukuya kudibanisa amatyala. Kwiphepha, ngokusoloko kubonakala ngathi yinto efanelekileyo kuba unako ukuthelela kwimali ethile efihliweyo kwizinga elincinci lentengo ephantsi. Kwaye xa kuziwa ekudibaniseni ityala lekhadi lesikweletu, kubonakala ngathi akukho-brainer. Ukuba unako ukulahla onke amakhadi anomdla ophezulu kwaye wenze enye inkokhelo enexabiso elincinci elincinane eliya kuba yinto entle, akunjalo?
Ngokukhawuleza. Ingxaki enkulu ngale ndlela ihambelana nokumahluko phakathi kwetyala elikhuselekile nelingalindelekanga. Amakhadi eemboleko awanasigxina nentsingiselo yokuba akukho nkonkxaso exhasa ikhadi. Ukuba uhluleka ukuhlawula ikhadi lakho lesikweletu, kufuneka ubeke iifowuni zeemali kunye nomonakalo kumanqaku akho ekhredithi , kodwa ke malunga nobukhulu balo.
Ukuba sithetha nge-mortgage okanye imboleko yemoto esijongene namatyala aqinisekileyo.
Oku kuthetha ukuba i-asethi ephantsi isetyenziselwa ukuthenga imali. Ngoku ukuba uhluleka ukuhlawula iibhanki iya kuthatha indlu yakho. Ukuba awukwazi ukuhlawula imali mboleko yekhaya okanye umgca wekhredithi unokunyanzeliswa ukuba uthengise indlu ukwenzela ukuba ibhanki iphinde ibuyise imali. Njengoko ubona, ukuba usebenzisa i-loan equity loan ukuze uhlawule amakhadi akho ekwereta othe wathengisa kwiletyala elingalindelwanga ityala elikhuselekile kwaye ungalahlekelwa yindlu yakho ukuba awukwazi ukuqhubeka neentlawulo.
Ungachukumisi kwi-401 yakho (k)
Ukuba unama - 401 (k) isicwangciso somsebenzi kunethuba elihle lokuba uvumelekile ukuboleka kuyo ngemboleko . Ezi mboleko zivame ukuba njengengcamango efanelekileyo kuba uboleka enye yemali yakho kwaye uyihlawula emva kwexesha. Ngoko, unako ukuboleka imali ngemigomo ekhangayo, ukuhlawula ityala lakho eliphezulu, kwaye emva kweminyaka embalwa u-401 (k) uzalisekile. Kwakhona, kubonakala ngathi isicwangciso esihle ekuqaleni, kodwa kukho iingxaki ezininzi kule ngcamango.
Okokuqala, le mali isetyenziselwa umhlalaphantsi kwaye idinga ixesha lokukhula. Ukuba uboleka imali kwisicwangciso sakho somhlala-phantsi usukhuphe ngokukodwa kuyo nayiphi na into ebekelwe yona kwaye ulahlekelwa nantoni nayiphi na inzala okanye ukukhula okungenzeka ukuba kwakubonwe ngenye indlela. Nangona kungabonakali njengento enkulu ngexesha elinokuba nemiphumo ebalulekileyo ekuhambeni kwexesha.
Ezinye izinto oza kuziqwalasela ziyimiphumo xa ushiya okanye ulahlekelwa ngumsebenzi wakho. Uninzi lwexesha le mboleko iya kufuna ukuhlawulwa ngokupheleleyo kwiintsuku ezingama-60 ukuya kwi-90 emva kokupheliswa. Ukuba imboleko ayihlawulwanga ngokupheleleyo iya kuthathwa njengokuhambisa. Izabelo ziyahlawulwa kwaye ukuba uneminyaka engaphantsi kwe-59.5 ziphantsi kwesigwebo esongezelelweyo se-10% sokuthoma.
Oku kunokukushiya ngenxa ye-IRS 30% okanye ngaphezulu kwimali mboleko yakho. Ouch! Oku kunokubangela ukuba ityala elingalindelekanga lizalise amawaka eedola.
Ukuba uneminyaka engama-401 (k) kwimisebenzi edlulileyo, uzama ukuyihlawula imali kwaye usebenzise imali ukuhlawula ityala. Kwakhona, ngokwenza oku ubeka umhlalaphantsi wakho engozini ngokunciphisa imali oye watyala ngayo kwaye usebenzela ukukhula. Akunjalo kuphela, kodwa iirhafu ezifanayo kunye nezohlwayo ziya kusebenza ukuze ulahle i-30% yemali yakho.
Iindlela ezingcono zokuhlawula amatyala
Ngoxa usebenzisa i-equity ekhaya lakho kwaye uhlasele iqela lakho lomhlala-phantsi lomhlalaphantsi akuzona iindlela ezifanelekileyo zokuhlawula ityala kukho ezinye iindlela ezintle.
Okokuqala, yakha uhlahlo lwabiwo-mali . Into engcono kakhulu ongayenza ukukunceda ukuhlawula ityala lakho kukudala uhlahlo lwabiwo-mali olulungileyo olukhulula imali ethe xaxa engasetyenziswa kwiintlawulo zekhadi lakho lesikweletu.
Kukho imali engaphezulu kwebhajethi yakho kunokuba ucinge, ngoko khangela iindlela zokufumana enye imali efihliweyo .
Emva koko, kufuneka wenze okungaphezulu kweyona ntlawulo yincinci inyanga nganye. Xa ukwenza intlawulo encinci kwikhadi lakho lekhredithi wenza okungaphezulu kokuhlawulwa kweendleko zemali. Oku kuthetha ukuba uza kuhlawula le matyala iminyaka emininzi.
Ekugqibeleni, kufuneka uhlale phantsi kweendlela zakho. Ukuba ufumana ityala lekhadi lesikweletu unethuba elihle lokuba uhlala ngaphaya kwezinto onako ukuzifumana. Ngokusebenzisa indlela yokuphila efuna ukuchitha imali encinci kunokuba wenze ukuba uhambe ngendlela eya ekukhuselweni kwezezimali.