Yonke into ofuna ukuyifumana malunga nokulondoloza umhlalaphantsi
Kuba abaninzi bethu umgangatho wokuthatha umhlalaphantsi uya kuxhomekeka kwimali esilondolozile. Nangona unako ukufumana umhlala-phantsi wokufumana umhlalaphantsi ngendlela yoKhuselo loLuntu okanye ipenshoni, ngokuphindaphindiweyo kunokuba ayanele. Oko kuthetha ukuba kukulungele ukucwangcisa kunye nokubeka imali ngaphandle komhlalaphantsi. Nakhu okufuneka ukwazi ukufumana umhlalaphantsi wakho kumzila.
Ukuthatha umhlala phantsi kwamaphupha akho kuthatha ucwangciso. Kwiimeko ezininzi unokuba neminyaka engama-30 okanye ngaphezulu ukucinga ngokucokisekileyo malunga noko ufuna ukukwenza ngomhlalaphantsi kunye nendlela oya kufika ngayo. Ixesha lingaba yinkunzi yakho okanye intshaba yakho. Ukuba uqala kusasa, ixesha lisekho caleni kwaye imali yakho inokusebenza nzima kuwe. Ukuba ulinda kude kube ngumhlala-phantsi nje kwiminyaka embalwa kude unako ixesha elincinane lokufumana. Lo ngumbuzo weligidi wezigidi. Ingakanani imali oyifunayo ukuba uyilondoloze umhlalaphantsi? Ingxaki kukuba le nombolo ayifani nayo yonke into. Kuxhomekeka ngokupheleleyo kwizinto ofuna ukuzenza ngomhlalaphantsi, ngaluphi umdala onqwenela ukuba uthathe umhlalaphantsi, kwaye unjani uhlobo lokuphila okulindele ukuba nalo. Abanye abantu banokuthatha umhlalaphantsi bengasindiswa kangako ngelixa abanye banokufuna imali eninzi ebhankini. Funda ukubala ukuba yintoni injongo yakho yokugcina umhlala-phantsi. Sonke senza iimpazamo, kodwa ukwenza iphutha ngesicwangciso sakho somhlala-phantsi sinokubangelwa yimiphumo engapheliyo. Kungakhathaliseki ukuba i-401 (k) xa ushiya umsebenzi okanye ungayinalo imali ngokufanelekileyo imali, into ebonakala ngathi yinto elula ingaba ngumba omkhulu kwiminyaka yakho yegolide. Nazi iziphene ezimbalwa zokuthatha umhlalaphantsi omele uziphephe ukuqinisekisa ukuba usendleleni eya kumhlala phantsi amaphupha akho. Enye yeenzuzo ezidumileyo abaqeshi banikezela ngu-401 (k) isicwangciso. Isicwangciso sokuthatha umhlala-phantsi esikuvumela ukuba uqondise inxalenye yesikhokhelo sakho kwi-akhawunti ye-investment. Ingcamango kukuba uyagcina imali ngemirhumo ngokwenza le ntlawulo yangaphambi kokuhlawula irhafu ngeli xesha ukhetha ukutyalo-mali oluya kukhula emva kwexesha ukwenzela ukuba ungathatha umhlalaphantsi ngenani elihle lemali. Kukho iinzuzo ezimbalwa kunye neengxaki ezingama-401 (k), ngoko funda indlela ongayisebenzisa ngayo eyona nto xa unayo. Ukuba unomdla wokuba ulawulo olupheleleyo malunga notyalo-mali lwakho lomhlala-phantsi, ke i-IRA yimi. Ezi akhawunti zempesheni zomhlala phantsi zinika ezininzi iinzuzo ezifanayo ze-401 (k) ngelixa likunika nokulawula ngokupheleleyo apho ubeka khona imali yakho. Kakade ke, akubona wonke umntu ovumelekileyo kwaye kukho imida engezantsi, ngoko khangela ukuba i-IRA yeNdabuko ikulungele. Ngaba usebenzele umqeshi kwixesha elidlulileyo elinokuthi livaliwe okanye liye lahleka? Okanye kuthekani ukuba umqeshi wakho wangoku ucinga ngokuvala kwaye unetyala lomhlalaphantsi? Ungakhathazeki, ipensheni yakho isenokuba ikhuselekile. Nakhu okufuneka ukwazi ukuba ulandelela phantsi umhlalaphantsi omdala kunye nendlela umhlalaphantsi wakho unokukhuselwa ngayo xa umqeshi wakho ehamba phantsi. Cwangcisa kwangaphambili kwaye kaninzi
Isicwangciso sokuthatha umhlala-phantsi esisebenzela kangcono ukuba awukwazi ukufana noko ufanelwe nomnye umntu. Kungakhathaliseki ukuba uyayifumana njani ukucwangcisa umhlalaphantsi, kukho intambo efanayo: ukucwangcisa kwangethuba nokuhlaziya isicwangciso sakho rhoqo kunokukunceda ufumane ikusasa lemali ekhululekile kwiminyaka yakho emva.