Ngaba Ndingayifaka okanye Ndihlawule I-Mortgage?

Ixhomekeke kwiRhafu yeNtlawulo, i-Tax Bracket, kunye ne-Mortgage Rate

Ukuqaphela ukuba kufuneka utyalomali okanye uhlawule imali yakho yokuthenga imali, kufuneka uqhathanise ukubuyiswa kwentlawulo emva kwentlawulo yakho kunye neendleko zerhafu emva kokuhlawula imali yakho, njengoko kumzekelo ongezantsi.

Masicinge ngamanani alandelayo:

• Umyinge weerhafu ophantsi: 25%
• Ukubuyiswa kotyalo-mali olukhuselekileyo: 4%
• Umyinge wemali: 6%

Unokhetho, okanye Unayo?

Ukusebenzisa amaqiniso angentla, kukho yonke imali eyi-100 yerhafu yengeniso yerhafu, emva kokuhlawula irhafu kwi-25%, kufuneka ugcine i-$ 75.

Kuzo zonke iirhafu eziyi-100 zemali ekubolekwa ngemali oyihlawulayo, ucinga ukuba uhlawule imali yakho kwi-tax return yakho , emva kokunciphisa le nzala kwi-25%, ixabiso lakho lenetha li-$ 75.

Ngayiphi na indlela, uhlawula irhafu kungakhathaliseki ukuba utyalomali kwaye ufumana ingeniso-mali okanye uhlawulelo lwemali ekutsaleni ukuhlawula umboleko kwaye ngaloo ndlela ulahlekelwe yerhafu yerhafu.

Umzekelo wendleko yoMzekelo

Ukusebenzisa le meko, cinga ukuba unemali eyongezelelweyo ye-$ 1,000 ongayisebenzisa okanye usebenzise ukuhlawula isahlulo sakho semali.

• Ukuba utyalo-mali, uza kufumana i-4%, ngoko ke u-$ 1000 utyalo-mali ufumana i-$ 40. Emva kokuhlawula irhafu kule ntlawulo yengeniso, uya kugcina i-$ 30.
• Ukuba usebenzisa i-$ 1,000 ukuhlawula inxalenye yemali yakho yokubolekwa kwemali, iya kukugcina u-6%, okanye i-$ 60 ngeendleko zenzalo, kodwa ungeke ube ne-$ 60 eyongezelelweyo ukukhupha irhafu yakho yerhafu, ngoko emva kokukhangela intela ephantsi ukunqunyulwa, kukugcina i-$ 45.

Kule meko, ugcina i-$ 15 ngonyaka ngokuhlawula inxalenye yemali yakho yokubolekisa ngaphandle kokutshala imali yakho eyongezelelweyo.

(I-$ 15 = i-$ 45 yokulondolozwa ngokukodwa kwintengo yemali-mboleko-$ 30 enomdla onomdla owenziweyo kwi-investment).

Kucacile, inzala, irhafu yentlawulo kunye nokubuyiselwa kwezolimo ezikhuselekileyo kunokutshintsha. Nazi izikhokelo ezine ongayisebenzisa ukulinganisa ukusebenza okusemandleni okuhlawula imali yakho.

1. Njengokuba ibhaji yakho yerhafu iyanciphisa inzuzo enokwenzeka yokuhlawula ukunyuka kwemali yakho.

1. Njengoko ukubuyiswa kwakho kotyalo-mali kuyancipha, inzuzo enokwenzeka yokuhlawula ukunyuka kwemali yakho.
2. Njengoko uhlahlo lwabiwo-mali lwakho lukhula, iinjongo ezinokuthi utyalo-mali kunokuba uhlawule umlinganiselo wokuboleka imali, kodwa inzuzo ephakamileyo ibandakanya ingozi ephezulu ukwenzela ukuba uqwalasele inqanaba lomngcipheko wotyalo-mali ozimisele ukulufanisa nokubuyisela inzuzo yokungabikho kwemingcipheko yokuhlawula mboleko. Ukuhlawula imali yokubolekwa ngemali kukubuyiswa okuqinisekileyo. Okunye utyalo-mali luza kunika imbuyekezo ephezulu, kodwa ukubuyiswa akuyi kuqinisekiswa.
3. Kwizinga elingaphansi kwemali yokuthenga imali, inzuzo yexesha elide yokuhlawula imali leyo ayiyi kuba yinto enjengeyokuba izinga lakho lokuthenga imali liphezulu.
4. Ukuba unakho ukuhlawula imali eyongezelelweyo kwi-mortgage yakho, okanye ubeke imali eyongezelelweyo kwisicwangciso sakho se-401 (k), ngokuqhelekileyo ukhetho oluhle luhlawula ngakumbi kwi-401 (k) isicwangciso.

Ezinye izinto ezibalulekileyo

Njengazo ezininzi izigqibo zezemali, iimeko zakho eziquka ubudala kunye nempilo, ukulindela iholo, irhafu yokufakela irhafu, kunye neemvakalelo malunga nomngcipheko kuya kufuneka ziqwalaselwe ekumiseni isigqibo esifanelekileyo kuwe. Kukho bobabini inzuzo kunye neengqungquthela zokuhlawula i-mortgage early .

Iindleko eziphezulu ezinokubambisa iintlawulo zinokuzuza ngakumbi ekusebenziseni amatyala kwaye zifikeleleke kwiindawo zokuthenga iimali zentengo yemali efana neendleko zemali-mboleko, i-mortgage rate, kunye namathuba okuhlaziya.

Ukuba unomvuzo ophezulu / umgangatho ongezelelekileyo womntu ekupheleni komhla, iinzuzo zexabiso elincinci lomhlala-phantsi, amathuba okukhetha okhethiweyo kunye nokuqulunqwa kwembuyekezo yeepotfoliyo zigcina ukubonakala kwempahla ebonakalayo.

Nangona kunjalo, iintsapho ezinomvuzo ophantsi ngaphandle kokutyalwa kweengcali ziya kufumanisa ukuba ukuhlawula phantsi kwemali yabo yokuthenga impahla yinto enye yezona zigqibo ezingcono kakhulu.

Akukho utsalo-mali oluhlala lukho ngaphandle kwengozi. Ukuba unako ukufumana imali ephezulu yokubuyisela utshalomali ngaphezu kwezinga lokuthenga imali, i-math ithi ityala. Nangona kunjalo, izibalo akuyiyo kuphela ingqalelo-uxolo lwengqondo aluxabanga.