Izinto ezinokuzithandayo nokuzonda ngokumalunga nemali
Ngokunyanisekileyo, andiyazi. Kwimeko elungileyo, iinzuzo ze-mortgage mortgage ngokuqinisekileyo zingaphezulu kweengxaki.
Imboleko yokubuyisela isisitye esinokuvumela ukuba uhlale ekhaya lakho, uqeshise iholo, ngelixa usebenzisa enye yemali yakho eyithengile loo nto kwindawo yokuqala.
Oko kuthethwa, njengawuphi na isigqibo esiphezulu semali, ufuna ukwenza umsebenzi wesikolo sakho ngaphambi kokuba unqume ukuba kuyisilungiselwano esifanelekileyo kuwe.
Ngezantsi uzakufumana izinto ezimbini zokuthanda, into enye yokuzonda, kunye nezinto ezintlanu ofuna ukuzazi malunga nokubuyiswa kwemali.
Njengoko:
1. Ukuzinza
Imboleko yokubuyisela imali ikunika amandla okusebenzisa i-home equity for "extra" njengeholide yonyaka, imoto entsha okanye ukuphucula ikhaya. Oku kuguquguquka kuvela kumandla okuthabatha ukulingana njengesixa semali, intlawulo yenyanga nganye, umgca wesikweletu, okanye nayiphi na inhlanganisela yayo.
Ukusebenzisa i-calculators ye-intanethi kuya kukunika ubungakanani bokuba ungayifumana phi xa ufaka ikhowudi yakho ye-zip, ubudala, ixabiso lekhaya kunye ne-balance mortgage (ukuba unayo).
2. Ukungabikho kwemali
Oku kuthetha ukuba imali epheleleyo ehlawulwayo ayikwazi ukudlula ixabiso langoku lekhaya. Xa indlu ithengiswa, emva kokuhlawula imali yokuboleka imali, imali ephumayo iya kuwe kunye nefa lakho.
Inzondo:
1. Iimpawu zokuthengisa ezintle
Ukuba umntu uzama ukuthetha nawe ekuthathe imali ekhaya lakho ukuthenga umkhiqizo wezemali oya kubahlawula ikhomishini (njenge-annuity), ugijime kwiinduli.
Uninzi lwabantu lincoma izicwangciso ezinjalo abacwangcisi bemali. Bathengisi; enye iipone iikhohlisi, inkohliso yayo iyabazuzisa, kungekhona wena.
Kukho amaxesha apho kungenangqiqo ukusebenzisa ukulingana kwekhaya ukuphinda ulandele ezinye iimali-mali, kodwa ezi zicwangciso ziqulethe ingozi eyongezelelweyo, kwaye kufuneka isetyenziswe kuphela ngabatyalo-mali abaqingqiweyo abaziqonda ngokupheleleyo kwaye banakho ukufumana iziphumo.
Yazi:
1. Ukuhamba emva kokuthatha imali yokubuyisela imali
Njengawe nawuphi na umboleko wempahla, kukho iindleko zokuqala kunye neendleko ezenzekayo xa uthatha i-mortgage mortgage. Ngaphandle kwemali mboleko kunokuba uhlawule ezi zinto ngaphandle kwipokoth, iifizi zifakwe kwi-balance of the loan. Ufuna ukuhlaziywa kwezi ndleko ngexesha elide kunokwenzeka.
Ukuba uceba ukuhamba kwiminyaka emi-2-4 ezayo, khangela iindlela ezibizayo zokuboleka imali ngaphambi kokusebenzisa umboleko wemali.
2. Ukugcina ikhaya kwintsapho
Emva kokufa kwakho (okanye umntu wesibini ukuba afe xa utshatile) i-mortgage mortgage iya kufuneka ibuyiselwe. Ukuba akukho mali eyaneleyo kwifa lakho, iindlalifa zakho kufuneka zithengise ipropati ukuhlawula imali.
Ukuba injongo yakho ukugcina isakhiwo kwintsapho, uya kufuna ukuqinisekisa ukuba izindlalifa ziyakwazi ukuhlawula umboleko, okanye ukulungiswa kwepropati ngokusekelwe kwisicelo sabo sekhredithi. Qaphela okokuqala oko. Ukugcina ikhaya kwintsapho kunokuba kuhle, kodwa ukuba imali yokuthenga imali ingayinika imali eyongezelelweyo kufuneka ukhululeke mhlawumbi yinto omele uyenze.
3. Isimo semarike yendawo yokuhlala
Isixa semali oyifumayo sincike kwiminyaka yakho kunye nexabiso elilinganisiweyo lekhaya lakho. Ukuthatha imali yokubuyisela imali xa kuthengiswa imarike yendawo yendawo yokuhlala uya kulungelelanisa.
Ngakolunye uhlangothi, ukuba uthabatha umboleko wemali xa kuthengiswa imarike, kamva ugqibe ekubeni uthengise ikhaya lakho kwikarhwebo, ungase ube nolwabiwo oluncinane.
4. Iimbopheleleko zobunini
Uhlala ugcina isihloko (ubunini) bekhaya. Ngaloo ndlela, unembopheleleko yentlawulo kunye ne-inshorensi kwaye kufuneka ugcine ikhaya ligcinwe kakuhle. Oku kusebenza ngendlela efana nayo nayiphi na imali. Ukuba awuhlawuli irhafu yakho, uya kuba neengxaki.
5. Ulungelelwaniso lokuxilisa
Naliphi na imali oyifumanayo kwi-mortgage engenayo ngaphandle kwentela-into ephezulu. Nangona kunjalo imali efunyenweyo iya kubalwa njengempahla okanye njengengeniso kwaye inokuchaphazela ukufaneleka kwakho kwiMedicaid.
Imali ayiyi kuchaphazela inzuzo yeNtlalo okanye i-Medicare.