Umthetho weThumbulu
Umgaqo owodwa oqhelekileyo wezandla uthi uzakufuna malunga ne-80% yengeniso yakho yangaphambili yomhlalaphantsi ngexesha lomhlalaphantsi.
Ngoko ke, ukuba ufumana i $ 50,000 ngonyaka ngaphambi kokuba uthathe umhlalaphantsi, unokuqikelela ukuba uya kufuna i-$ 40,000 yengeniso kumhlalaphantsi.
Isizathu sokuba lo mgaqo uthi uya kufuna imali engaphantsi xa uthatha umhlalaphantsi kukuba uya kuba neendleko ezimbalwa zomhlalaphantsi. Lo mgaqo uthatha ukuba awusenayo imali yokuthenga ngemali, akukho mntu uxhomekeke ekhaya oya kukuxhasa, kwaye akasayi kuphinda abeke imali ngaphandle kokugcina umhlalaphantsi. Njengoko uyakubona, ezi zicatshulwa ngokubanzi.
Nangona ulawulo lwama-80% lwesithupha lukunika uqikelelo olukhawulezayo, lude lungaphelelanga. Kwabanye abantu, banokufuna imali engakumbi kwimhlalaphantsi kuxhomekeke kwinto abaceba ngayo ukwenza. Abanye banokukhangela ukuthenga indlu entsha, ukwenza uhambo olubanzi, okanye unokujamelana neemeko zonyango ezandisa kakhulu indleko zonyango.
Iindleko zoNyaka
Ulawulo lwesithupha lube yinto efanelekileyo yokuqala kubantu abancinci, kodwa njengoko uhamba umhlalaphantsi kubalulekile ukuba ukhangele ingqalelo imali enokuyifuna ngokwenene.
Indlela efanelekileyo yokuqikelela ukuba imali oya kuyidinga yintoni ngokujonga iindleko zakho zokufumana umhlala-phantsi.
Okokuqala, chaza imithombo yakho yokufumana umhlalaphantsi. Iyintoni inzuzo yakho yokuxhamla kweNtlalo ? Ngaba uya kufumana umhlalaphantsi? Yaye unokulondoloza buninzi kangakanani umhlalaphantsi? Emva koko, cinga malunga neendleko zakho eziza kubonakala ngathi.
Ngaba uza kuhlawula imali yakho yokuhlala phantsi? Ngaba uya kuhamba okanye wenze nayiphi na into enkulu yokuthenga? Iyintoni ixesha lokuphila kwakho kunye nokuba imali yakho ifuna ukuhlala ixesha elingakanani? Emva koko ungalibali ukuphendula kwi-inflation.
Xa usuqala ukuhlawula iindleko zakho zenyanga kwi-retraite, nokuba ngaba ziqikelelwa nje, ngoku ziza kukunceda uqale ubone ukuba uza kulufumana phi imali ekufuneka uyihlawule ezi ndleko. Ungayifumana into engaphantsi kunokuba ilindeleke, okanye ingaba ngaphezu kokulindelwe. Ukusuka apho unokuqwalasela ukuba yeyiphi ingeniso yakho yomhlalaphantsi oza kubakho kwaye uza kubona ubuninzi bentsilelo okanye ubunqongophala obunayo.
Yintoni enokuyenza Xa Ungeyanele
Ukuba kubonakala ngathi awugcinanga okwaneleyo okwangoku, sekuyisikhathi sokuqala ukucwangcisa ngoku ukuqala ukwenza utshintsho. Akunandaba nokuba uneminyaka engama-30 ukusuka kumhlalaphantsi okanye kwiminyaka embalwa-ukuthatha inyathelo kunokukhokelela ekuphuculweni komhlalaphantsi.
Ukuba useneminyaka embalwa ukuya kutsho umhlalaphantsi, qwalasela i- 401 (k) isicwangciso okanye umrhumo we- IRA . Ingakanani imali yakho kufuneka ikhule, ibe ngcono xa uya kuba. Inzala enomdla yinto emangalisayo, ngoko ungavumeli ixesha likudlule.
Kwabo basenokuba sele bekulungele ukuthatha umhlalaphantsi, ukugcinwa okongeziweyo kungenakusebenza.
Unokukunceda, kodwa ungakufumanisa ukuba kungcono ukulibazise umhlalaphantsi okanye ukulibaziseka koKhuseleko loLuntu. Unokumangaliswa ukuba unyaka omnye okanye omnye umsebenzi ungakunceda njani imeko yakho. Ingenokuba yinto efanelekileyo, kodwa xa ucinga ngemali eyayifumana kunye neenzuzo ezinjenge-inshurensi yempilo, ingaba ngaphezu kwexabiso.