Ingozi, iirhafu kunye nemiba yokuthatha umhlalaphantsi malunga nezigqibo zokufumana imali
Uphononongo oluqhutywe yiziko lePhando loPhulo lwaBasebenzi e-Boston College lugqiba ukuba "amakhaya asele umhlalaphantsi, ekufundiseni, angcono ukuhlawula imali yabo." Ngaba oko kuthetha ukuba kufuneka uhambe imali ekutsalweni kwakho ukuhlawula imali yakho ngoku? Kuya kuxhomekeka, ngokuqinisekileyo, kwiimeko zakho. Kufuneka ubenobungozi kunye nentlawulo ngaphambi kokuba wenze isigqibo sokuhlawula imali yakho yokuqala. Ngezansi zixhobo zokukunceda wenze isigqibo esihlakaniphile.
01 Ukuhlawula i-Mortgage Early - Inzuzo kunye neengxaki
Ukuba unayo iimpahla zeemali ukuhlawula imali yakho yangaphambili kodwa ungakhethi ukwenza oko, usebenza ngokukhetha ukutyalomali ngemali eboleweyo.
Ukuboleka imali yexesha elide njengendlu kunye nokusebenzisa enye imali ekuxhaseni i-akhawunti yengeniso-mali kuya kuba nengqiqo ukuba, emva kokuqwalasela umngcipheko kunye neerhafu, izinga lokubuyisela kwiimpahla zakho ezibekelwe imali ngaphezu kwexabiso lomrhumo wakho wemali. Ngokomzekelo, ukuba unako ukufaka isandla kwi-401 (k) isicwangciso-kwaye ufumane umdlalo wenkampani kunye nokuncitshiswa kweerhafu-ufuna ukukwenza oko kunokusebenzisa imali ukuhlawula imali eyongezelelweyo kwi-mortgage.
Iingxabano kunye nokuchasana nokuhlawulwa kwexesha lokubambisa i-mortgage ziqwalaselwa ngokubanzi ngokuchofoza ikhonkco elingentla.
02 Imali-mboleko Inzuzo Yokunciphisa Ngaphambi Nangemva kokuthatha Umhlalaphansi
Ngenxa yokuba ubungakanani obufanayo abuhambisani nonke, kukulungele ukubala izibalo ukuba ubone impembelelo enemali yokuboleka imali inokubuyisela kwerhafu. Akunakukugcina imali eninzi yentlawulo njengoko ucinga-kwaye iyancipha ibhalansi yakho yemali kunye nexabiso eliphantsi kwe-interest rate-ngaphantsi kwe-savings tax.
Kungengqiqo ukuhlawula imali yakho emva kokuthatha umhlalaphantsi, endaweni yokuthatha umhlalaphantsi. Ngokuchofoza kwikhonkco elingasentla, uya kufumana iinkcukacha ezininzi malunga nendlela yokuvavanya impembelelo yakho yerhafu ngaphambili nangemva kokuthatha umhlalaphantsi.
03 Ngaba kufuneka NdiyiTyalise okanye Ndihlawule Imali?
Abantu abaninzi banokwemvelo bacinga ukuba injongo yokuqala ye-# 1 ye-pre-retirement isinekhaya elikhululekile kwaye licacile. Nangona akukho nto iphosakeleyo ngale njongo, ezinye iinjongo zomhlalaphantsi akufanele zinyanzeliswe, kubandakanywa nokusebenzisa inzuzo yentlawulo ye-IRAs okanye izicwangciso zomhlalaphantsi.
Umzekelo kwinqaku kwikhonkco apha ngentla ikuhamba ngendlela yokwenza izibalo ukuthelekisa zakho iinketho.
04 Ngaba Ufanele Uhlawule Imali Yakho Imali ngaphambi kokuba Ususe phantsi?
Le nqaku iphinda iqhube isifundo esiphezulu kwimeko apho esi sibini esithile sifumane umhlaba ophakathi ngokukhetha ukunciphisa.
Imeko yakho ihlukile kuwe kwaye ufumana onke amadada akho ngokulandelelana kubalulekile ukwenza isilumko esilumkileyo.