Ngaba Ndinako Ukuthatha umhlalaphantsi?

Uluhlu olulula lweSigaba 5 esinokukuxelela Ukuba Unelungelo lokuthatha umhlalaphantsi

Unayo ngokwaneleyo ukuba uthathe umhlalaphantsi? Ukuba ufuna ngokwenene ukwazi, kuya kufuneka ukuba wenze izibalo zomntu esekelwe xa ufuna ukuthatha umhlalaphantsi, kwaye uninzi kangakanani ufuna ukuchitha ixesha ngexesha lomhlalaphantsi.

Ukufumana uqikelelo olunzima ukuhamba ngeendlela ezinhlanu ezingezantsi kunye nemizuzu emihlanu ungaya ngeewe elula okanye akukho mpendulo.

5 Isinyathelo sokubalwa

Nantsi ingqamaniso yokubala okulula ezinhlanu ongayisebenzisa ukuqinisekisa ukuba uya kuba neengeniso ezaneleyo kunye nokulondoloza iindleko zakho kumhlalaphantsi.

1. Ziziphi iimali zakho zonyaka zokugcina umhlala-phantsi?
2. Yandisa elo nani ngenani leminyaka elisele kude kube ngumhlalaphantsi ("xa ufuna ukuhlala phantsi" inxalenye).
3. Yongeza imali yakho yokugcina umhlalaphantsi kule nombolo.
4. Ukwahlula ngenani leminyaka ulindele ukuhlala kumhlalaphantsi.
5. Yongeza ukuba kwenye imithombo efumanekileyo yengeniso.

Xa usuqedile ngokubala uthelekisa impendulo kwiindleko zakho zonyaka zonyaka ukuze ubone ukuba inani olingenayo lokuba nelanele ukugubungela iindleko zokuphila oqhelekileyo.

Umzekelo Ukusebenzisa okwaneleyo ukuBhaliswa kweRhafu

Siya kuhamba ngokubalwa kwezinyathelo ezintlanu zesibini isibini:

• Isibini, iminyaka engama-55.
• Ngamanye unika igalelo elipheleleyo kwi-akhawunti yabo ye-IRA rhoqo ngonyaka, i-13,000 ye-IRA iminikelo ngamnye ngonyaka (i-$ 6,500 nganye).
• Unayo imali eyi-150,000 egcinwe.
• Bangafuna ukuhlala phantsi kwiminyaka yabo yokuhlala phantsi njengoko kuchazwa nguKhuseleko loLuntu, ekubhekeleni kwabo luba neminyaka engama-66 neye-2, kodwa siya kuthiwa lidala iminyaka engama-67.

• Ngokusekelwe kwimveliso evela kubalwa ababaleki bexesha lokubala ubomi , balindele ukuba ubuncinane omnye wabo aphile iminyaka eyi-94 ukuze balindele ukuba babe neminyaka engama-27 emva komhlalaphantsi.
• Uya kuba ne-$ 2,200 ngenyanga (i-$ 26,400 ngonyaka) kwiintlawulo zeNtlalo, kwaye uya kuqokelela isiqingatha sale mali ($ 13,200 ngonyaka) njengenzuzo yomtshato .

Ukusebenzisa idatha yabo, yile ndlela eyaneleyo yokuthatha umhlalaphantsi isebenza:

1. Iifama eziyi-13,000 (Yiyo yonke iminikelo yabo yonyaka yokugcina umhlala-phantsi.)
2. I-13,000 x 12 = i-156,000 eyi-156,000 (Ukugcinwa kwabo umhlala-phantsi wonyaka ngamnye kwandiswe ngeminyaka isala kude kube ngumhlalaphantsi.)
3. $ 156,000 + $ 150,000 = $ 306,000 (ixabiso elilindelekileyo lokulondoloza umhlala-phantsi elidibeneyo longezwe kwi-savings ekhoyo.)
4. $ 306,000 / 27 = $ 11,333 (Ixesha elizayo elizayo kunye nolondolozo olukhoyo olululwe inani leminyaka ulindele ukuhlala kumhlalaphantsi.)
5. I $ 11,333 + $ 26,400 + $ 13,200 = $ 50,933 (Ingeniso yomhlala-phantsi efunyenwe ngonyaka kubanjelwe kwezinye iimithombo zengeniso eqinisekisiwe;

Kule meko, i-$ 50,933 ibonisa imali engenayo yokufumana umhlala-phantsi. Kudinga ukuthelekisa oku kwiindleko zabo ukuze babone ukuba kuya kukwanela. Ukuba awuqinisekanga ukuba zeziphi iindleko zakho eziza kuba ngumhlala phantsi zenze ixabiso lokuhlala umhlala - phantsi lize liqikelele.

Oku kubalwa kwanele ukucinga ukuba bobabini abatshatileyo bayaphila kodwa emva kokufa komlingane wokuqala umlinganiselo we-Social Security (mali kulo mzekelo) uya kuhamba kwaye imali ephezulu iya kuqhubeka njengomhlolokazi / umhlolokazi. Nangona kunjalo, iindleko ezithile zingaphinde zenzeke phantsi kokufa komlingane, njengononophelo lwempilo kunye neendleko ze-inshorensi, ukuthutha kunye nezibonelelo.

Ukuchasene Nolu hlobo lokuBala umhlala-phantsi

Abanye bayakuphikisa ukuba ukubala okulula-ukuthatha umhlala-phantsi kuthatha ingqalelo kwizinga lokukhula lotyalo-mali, okanye ukunyuka kwamaxabiso. Ngenxa yokulula, uthatha izinga lokukhula kwezinto ezikhuselekileyo ngu-3%, kwaye ukunyuka kwamaxabiso ku-3%. Ezi zimbini ziyahlukahlukana.

Akunakwenzeka ukuchazela ngokuchanekileyo zonke iinguqu eziza kuphazamisa isicwangciso sokufumana umhlala-phantsi kwisithuba seminyaka engama-30. Ukucwangciswa okucwangcisiweyo kuncedo, kodwa ukubala okulula-okwenzela umhlala-phantsi kunika indawo enkulu yokuqala.

Kuthiwani Ukuba Awunayo Imfuneko?

Abanye abantu abafuni ukwenza nayiphi na ukubala kuba besaba impendulo. Le ndlela yeenciniba. Musa ukwenza oku! Kuxinzeleleke kakhulu ukwenza imathematika, ukujonga ubuso, nokujonga isicwangciso senzalo kunokuba ufike kumhlalaphantsi kwaye ufike mfutshane.

Ukuba uhamba ngezibalo ezingentla kwaye ucinga ukuba awunalo okwaneleyo ukuba uthathe umhlalaphantsi unokuhlola ezininzi iinketho ezifana nokusebenza ixesha elide, ukufumana iindlela zokufumana imali eyongezelelweyo, ukufumana iindlela zokunciphisa iindleko, okanye ukuthuthela kwindawo ephantsi kweendleko. Zonke ezi zenzo zinokukunceda ukuzisa umhlalaphantsi.