Abafaneleki Ukubizwa "Imithetho"
Umgaqo wesithupha ungumgangatho ongaqhelekanga olungele ukuwusebenzisa. Ngomthetho wokuthatha umhlala phantsi wesigwenga, ndicinga ngabo njengemilinganiselo engasebenza xa uqela lonke uluntu kunye, kodwa lungaze lisebenzise nonke kwiimeko zakho.
Imithetho yokuthatha umhlalaphantsi isithupha sinokuba luncedo xa ungenayo ingcamango yokuba ungalondoloza bunjani, ungakanani ukurhoxisa, ukuba imali yakho ingakhula ngokukhawuleza kangakanani, okanye indlela yokwabela ngayo utyalo-mali. Nangona kunjalo, akufanele kusetshenziswe njengomgaqo onzima nokukhawuleza osebenza kuwe ngokuqinisekileyo. Iimpendulo ezithile zivela kuphela ngokujonga iinkalo zakho zezimali kunye nokucinga oko kuyenzayo kwaye akusebenzi kuwe. Sebenzisa "imigaqo" ngezansi nje ngokubanzi, izikhokelo eziqhelekileyo.
Ukuba awuqinisekanga ukuba ingeniso engakanani imali oyongayo kunye notyalo-mali kunokukunika yona, ulawulo lwe-4% lunikeza indawo yokuqala. Ithi kukho yonke imali oyi-100,000 yokugcina imali, unako ukurhoxisa ama-$ 4,000 ngonyaka, kwaye ube nethemba elifanelekileyo lokuba imali yakho iya kuhlala iminyaka engama-30 emva komhlalaphantsi. Akusiyo isiphumo esithile. Ngokuxhomekeke kutyalo-mali owukhethayo kunye noqoqosho ngexesha lokuhlala umhlalaphantsi, unokukwazi ukuhoxisa ngaphezulu okanye ngaphantsi. Ukuba awuqinisekanga ukuba ubuninzi bakho bokonga kunye notyalo-mali kufuneka kube kwiimpahla okanye izibophelelo, ukulawulwa kweminyaka engama-100 kukunika isikhokelo sokulandela. Kuthetha ukuba ufanele uthathe i-100 yokunciphisa iminyaka yakho, kwaye yiloo nto uyenayo kwimpahla. Oku kuthetha ukuba uya kudala ubenokuba ngaphantsi kwezona zinto. Uphando olutsha luye lwabonisa ukuba oku kungabi yindlela efanelekileyo yokuyisebenzisa kwiminyaka yakho yomhlalaphantsi. Imithetho yesithupha ayilungile xa uqikelela ukuba uza kuyimfuneko yomhlalaphantsi. Xa uzama ukuqonda ukuba ungadinga ukuthatha umhlalaphantsi, abaninzi abantu basebenzisa into ebizwa ngokuthi "ulawulo lwe-80%". Kuthetha ngokuthatha umhlalaphantsi uya kufuna malunga ne-80% yemali yengeniso oyenayo ngelixa usebenza. Andiyithandi loo mgaqo. Ukuphila komntu wonke, ukusetyenziswa kwemali kunye nemikhwa yokulondoloza, kunye nebhasikhi yerhafu ihluke. Kufuneka uhlakulele ukuqikelela kwakho kobuninzi obuya kuwufuna umhlalaphantsi.
Ngaba wake wakha wazibuza ukuba kuza kuthatha ixesha elingakanani ukuba uhlaziye imali yakho kabini? Umthetho we-72 ubeka indlela elula yokukhawulela oku kuxhomekeke kwisilinganiselo sokubuya okulindele ukuba uzuze. Umngeni nalo mgaqo awukwazi ukuba naluphi na umlinganiselo wokuchaneka ukuba yeyiphi izinga lokubuya ongayifumana kwixesha elizayo. Ukuba ufuna ukuphindaphinda kabini imali yakho, into engcono kakhulu ongayenza kukugcina ngaphezulu. Ukuba awunayo ingcamango yokugcina umhlala-phantsi, ngoko ke kungcono ukugcina i-10% yengeniso yakho kunanoma yintoni. Ngaloo nto, ulawulo lwe-10% luncedo njengendawo yokuqala. Nangona kunjalo, ndiyifumana lo mgaqo awusebenzi ngokulinganayo kubantu. Abanye baye balondoloza imali eyaneleyo okanye eyayizuze ilifa kwaye akudingeki ukuba basindise nantoni na. Abanye baninzi abathengi kwaye baya kufuna ukugcina imali engaphezu kwe-10% yengeniso yabo ukuze bakwazi ukugcina indlela yabo yokuphila emhlalaphantsi. Akukho myalelo wesithupha ongasondela ukufaka isicwangciso somhlalaphantsi. Uhlala umhlala-phantsi kuphela kwaye akusiyo ixesha lokwenza iimpazamo. Uninzi lwabathathe umhlalaphantsi oluza kuza kufumana luncedo ukusebenzisa umcwangcisi womhlalaphantsi omelekileyo onokukunceda ukuba ubone ukuba yimiphi imithetho oyenzayo kwaye ayisebenzisi kuwe.