Phantse ama-30 Amaphesenti aseMerika a-Mortgage-Free
Ngokwenza oko, oku kuguqulelwe kuyo yonke into enomdla kubo bonke abantu: ifenitsha entsha kunye nekhompyutheni, ichibi, mhlawumbi imoto entsha okanye ikhefu elingaqhelekanga. Kwaye ke iPOP!
Ekubeni imakethi yezindlu iphazamisekile, sivile malunga nokuba bangaphi abantu abangaphantsi kwamanzi emakhaya abo . Kodwa ngoku, ubungqina benani-niselo kunye ne-anecdotal ngokufanayo bubonisa ukuba abantu baseMelika abaninzi bafuna indlela eyahlukileyo yokubakho ekhaya: banqwenela ukuba izindlu zabo "zikhululeke kwaye zicace."
I-Pros ne-Conserv of Owning Your Home "Ikhululekile kwaye icace"
Njengazo zonke ezinye izigqibo zezezimali, lo mntu unomntu omeleyo kunye nomoya. Kodwa ngokuqhelekileyo uthetha, ukuba unayo ikhaya lakho likhululekile kwaye licaca izandi ezifana nesicwangciso sezimali esingafanelana nezicwangciso zakho ezinkulu zeefoto, uya kuqala ufuna ukulinganisela ezinye iinkqubo ezisisiseko kunye nolwazi.
Ukukhangela uluhlu lwabantu abaninzi kwiqela elithi "Pro" uxolo lwengqondo. I-Plain kwaye ilula, akudingeki ukuba uxhalabele ngemali yentlawulo yempahla, kwaye uyazi ukuba uya kuhlala uphahla intloko yakho ukuba, umzekelo, ulahlekelwe ngumsebenzi wakho.
Kuba abaninzi abantu, beyazi ukuba abahlawulanga imali yabo eyimali ebhankini ngokwefom ye-interest iyabandakanya. Kodwa ukuzikhulula ekuhlawulweni kwemali enkulu yokuthenga imali kukunika ukuguquguquka kwemali ukwenza ezinye izinto. Unokuthatha amanye amathuba, umzekelo, njengokuyeka umsebenzi wakho.
Kubandakanywa phakathi kokuqhawulwa kwemali yentlawulo njengemali yokubanjiswa kwemithwalo yemali oya kubakho (iphakamileyo yakho yerhafu, ngaphezulu kwekhefu zentela ezinjengalezi zinokubaluleka).
Kwaye kunye nenani lentengo kwiimbali zembali, akukho mntu unokuthetha ukuba ukuba unokuzimela, ixesha, nokwazi, ukutshala imali ukuba uhlawule imali mboleko yemali ephantsi. Kodwa masithembeke, bambalwa kakhulu abantu abanalo hlobo loqeqesho, ixesha kunye nolwazi.
Ekugqibeleni, ukuba kufuneka utyalomle ipennyini yokugqibela omele uyihlakulele kwaye ucoceke, usenokungcono ukutshala imali kwezinye iindawo ezahlukeneyo ukuze udibanise.
Kufuneka ugcine kunye nekheshi elisebenzisayo ngokukhawuleza . Ibhanki yakho ayiyi kukunika imali emva kokuba ubophekile!
Umgca wenyani kukuba abantu abaninzi banokugqiba isigqibo sokuba i-pros iphumelele. Uphononongo luka-2012 lubonisa ukuba malunga nama-30 ekhulwini aseMerika ahlala ikhaya lawo mahhala kwaye acacile. Ziyizigidi ezingama-21 zezindlu! Kodwa ngaba sisigqibo esilungileyo kuwe namhlanje? Iiminyaka ezi-Millennial zibonakala zicinga ngaloo ndlela-uphando lwe-2017 luthi ukuhlala ikhaya kuseyona nxalenye enkulu kakhulu yephupha labo laseMerika.
Ngaba Ndiyakwazi ukuhlawula ikhaya lam?
Iziganeko ezininzi zifunyenwe ukuba ziqikelele ukuba ngubani oza kukhetha okanye angazikhethi ukuba azikhethele kwaye azicacise.
Okokuqala kwaye okuphambili kukuxabiseka kwekhaya. Kukho ukulungelelaniswa ngokuthe ngqo phakathi kwamakhaya afikelelekayo kwindawo ethile, kwaye abantu banako ukufumana imali yokubolekwa kwemali ehlawulwa ngokukhululekileyo.
Ngokomzekelo, elinye lamazinga aphakamileyo okufumana inkululeko kunye necacileyo kulo lonke ilizwe - malunga neepesenti ezingama-50 - kuseMcAllen okanye eHidalgo, eTexas, apho ixabiso lekhaya eliqhelekileyo lingama-$ 75,000. Ukwahlukileyo okuya eWashington DC, umzekelo, apho ixabiso lekhaya eliqhelekileyo lisondele kwi $ 400,000, kwaye kuphela malunga neepesenti ezi-8 zabanini bezindlu abanakho ukuhlawula imali yabo .
Imiba yobudala
Isibini sibini esikhulu esiyibonayo ngumboleki weminyaka.
Iifolda kwi-bracket yobudala beminyaka engama-65 ukuya kwe-85 ziphakame uludwe lwe-mortgage-free. Phantse iipesenti ezingama-40 zabanikazi bezindlu kweli qela likhululekile kwaye licacile.
Izizathu ezilandelayo ziquka into yokuba uhlala ixesha elide, ixesha elide kufuneka uhlawule imali. Abantu abadala bakudala banemali engaphezulu yokugcinwa kweentlawulo kunye nokuhlawula imali mboleko yabo yasekhaya.
Ukunikezela ngokukhululeka nokucacileyo kubaluleke kakhulu kuba bantu njengoko besondela kumhlalaphantsi , kodwa sibona abantu abatsha beqala ukufumana ikhululekile kwaye bacacile ngokunjalo.
I-Score Score ingaba ngumqondiso
Ekugqibeleni ngamanqaku emboleko. Phantse iipesenti ezingama-45 zabantu bonke abakhululekileyo nabacacileyo banomlinganiselo wokuthenga ngetyala kwi-800 ukuya ku-900. Lo mbandela unokufaniswa nombuzo, "oza kuqala, inkukhu okanye iqanda?"
Iifolda zokuzimelela ukuze zibe neepellar credit stellar mhlawumbi zine-self-discipline ukuze zihlawulwe.
Kwaye abantu abalawula ukufumana imali yabo yokuhlawula imali ehlawulwa ngokuqhelekileyo baqhutywe ngamanqaku aphezulu. Ingongoma, kukuhle ukuba enye yazo!
Indlela yokuhlawula ikhaya lakho
Ukuba umnqweno wakho unemali ecacileyo kwaye icacile, nayiphi na imali eyongezelelekileyo olele kuyo ingasetyenziswa ukuhlawula imali yakho. Kwakhona, ukuba unakho ukukwazi ukwenza enye intlawulo enye, unganciphisa ixesha eliza kuthatha ukuhlawula imali yakho. Khangela i-calculator ye-mortgage calculator ukuze ubone ukuba iidola zingaphazamiseka njani ngokukhawuleza.
Enye indlela yokufeza into efanayo, ukuba ibhanki yakho ivumela, kukuhlawulela isigxina sakho semali nganye ngeveki. Ukongezelela, ukuba awuzange ulungele ukuhlawula amanqanaba aphantsi, ulindele ntoni?
Kwaye ukuba unomsebenzi onzulu wokuba ukhululekile kwaye ucoceke, ke ufumane ingxaki ngeminyaka eyi-15 yokuthenga imali ngaphandle kwendleko yokubolekwa kweminyaka engama-30. Uya kuzuza ngokuhlawula imali encinci kumdla, naye.
Ekugqibeleni, jonga iindleko zendlu yakho ngezinye izicucu zendleko ezingasetyenziselwa ukufumana loo mboleko ehlawulwa phantsi! Ngokomzekelo, ngaba unako ukuhlawula irhafu yakho yendawo yokuhlala, okanye ugcine imali kwi-inshurensi yomnini-propati okanye izinto ezisetyenziswayo? Ezi zindleko zingasetyenziselwa ukuhlawula imali yakho.
Olunye umbuzo wemivuzo yekredithi .
U-Shari Olefson ngumlobi wencwadi ethi FINANCIAL FRESH START: Isicwangciso sakho seNqununu ezintlanu zokuFakela nokuPhucula kwi-Economy entsha.