Ezi zibini ezibaluleke kakhulu zindleko zakho zokuhlawula kunye nokuvala. Ngokwe-National Association of Realtors, ikhaya eliqhelekileyo lokuhlawula li-11% lexabiso lokuthenga ngo-2016.
Okuya kufika kuma-22,000 e-$ 200,000. Iindleko zokuvala, ezibandakanya iimali zokulawula kunye nezinye iindleko zokugqiba umboleko wakho wokubolekwa kwemali, yongeza enye ipesenti ezi-2 ukuya kuma-5 ekhulwini kwixabiso lokuthenga ekhaya.
Ngoxa umthengisi angahlawula ezinye iimali zokuvala, usenokuba noxanduva lokuthatha inxalenye yeendleko. Njengoko uceba ukuthengwa kwekhaya lakho, unokuzibuza ukuba unako ukubolekeka kwi-401 (k) indlu ukuba unayo imali yokugcina imali yokuhlawula iindleko zokuhlawula okanye zokuvala. Impendulo emfutshane nguwe, kodwa umbuzo obaluleke ngakumbi, ngaba wena?
Ukuboleka Ku-401 (k) kwiNdlu: Ukufumana i-401 (k) Inkcitho
Ukuba ungathanda ukuboleka kwi-401 yakho (k) ukuhlawula iindleko zakho zokuhlawula okanye ukuvala, kukho iindlela ezimbini zokwenza: i- 401 (k) mboleko okanye ukuhoxiswa. Kubalulekile ukuqonda ukuhlukana phakathi kokubini kunye nempembelelo yemali yenketho nganye.
Xa uthatha imali mboleko kwi-401 yakho (k), kufuneka ibuyiselwe ngenzala.
Kuyavunywa, uyabuyisela umdla emva kwakho kwaye isantya sinokuba sezantsi kodwa le nto ayinayo imali enokufikelela kuyo. Enye into ekufuneka uyiqaphele malunga ne-401 (k) imali-mboleko kukuba akubona zonke izicwangciso ezivumelekileyo. Ukuba isicwangciso sakho sisenza, kufuneka uqaphele ukuba ungabakholeka kangakanani. Imilinganiselo yeNgeniso yeNgeniso yangaphakathi 401 (k) imali-mboleko ukuya kwi-50 ekhulwini ye-akhawunti yakho ebhaliweyo okanye i-$ 50,000, nantoni na ngaphantsi.
Ngokomzekelo, ukuba ibhalansi yakho ye-akhawunti i-$ 50,000, inani elithe xa unako ukuboleke li-$ 25,000, ucinga ukuba unikwe ngokupheleleyo.
Ngokwembuyekezo, i-401 (k) mboleko kufuneka ibuyiselwe kwiminyaka emihlanu. Iintlawulo zakho kufuneka zenziwe ubuncinane ngekota, kwaye zibandakanya zombini inqununu kunye nomdla. Omnye umcebisi obalulekileyo ukuphawula: iintlawulo zemboleko zingaphathwa njengegalelo kwisicwangciso sakho. Enyanisweni, umqeshi wakho unokukhetha ukumisa okwesikhashana nawuphi na umrhumo omtsha kwisicwangciso de uze uhlawulwe. Oku kubalulekileyo kuba u-401 (k) umrhumo wezantsi uhlawula imali engenayo. Ukuba awukwenzi umrhumo omtsha ngexesha lokuhlawulwa kwemali-mboleko yakho, leyo ingashenxisa uxanduva lwakho lwerhafu phezulu.
Ukuthatha imali mboleko kwisicwangciso sakho kunokuchaphazela nokukwazi kwakho ukufumana imali yokuthenga imali. Ukuba usuvele uthathe imali mboleko, ezo ntlawulo zenyanga zifakwe kwi-rate-to-engeniso yakho yemali, leyo yimalini yengeniso yakho eya kwiintlawulo zentlawulo nganye ngenyanga. Ngokufanelekileyo, umlinganiselo wakho wemali-kuya-ngeniso kufuneka ube ngama-43 ekhulwini okanye ngaphantsi ukufumana imvume yokuthenga imali.
Ukwenza i-401 (k) Ukurhoxiswa ukuthenga iKhaya
Xa kuthelekiswa nemboleko, ukuhoxiswa kwi-401 yakho (k) kubonakala ngathi yindlela ecacileyo yokufumana imali oyifunayo ukuthenga ikhaya.
Imali ayifanele ibuyiselwe kwaye awukhawulelwanga kwimali ongayihoxisa ngayo, indlela oya kuba nayo ngemboleko. Akunjalo lula njengoko kubonakala, nangona kunjalo, ukuboleka ku-401 (k) indlu usebenzisa ukuhoxiswa.
Into yokuqala yokuyiqonda kukuba umqeshi wakho akakwazi ukuvumela ukurhoxiswa kwisicwangciso sakho ngaphambi kweminyaka yobudala engama-59 / 1/2. Ukuba ngaba bavumela abasebenzi ukuba batye u-401 (k) iimali kwangaphambili, kufuneka uqinisekise ukuba uhlangabezana nobunzima bezezimali ngaphambi kokuba avumele ukuhoxiswa. Ngaphantsi kwemiyalelo ye-IRS, abathengi abathengi ngokubanzi abafaki izikhokelo zobunzima.
Kodwa, unokukwazi ukurhoxisa kwi-401 (k) isicwangciso oshiye ngasemva kumqeshi wangaphambili. Oku, ke, apho izinto zingakhohlisa.
Ukuba uneminyaka engama-59 / 1/2 kwaye uthatha isigqibo sokufumana imali engama-401 ubudala (k) , uya kubakhoka i-10 yepesenti yokurhoxiswa kwangaphambili kwisixa sokurhoxiswa, kunye ne-tax revenue evamile.
Ipesenti ezingama-20 zexabiso elinikwe ngokuzenzekelayo ligcinwe kwiintlawulo zentlawulo, oko kuthetha ukuba xa uhoxisa i-$ 40,000, i-$ 8,000 iza kufakwa eceleni kweerhafu.
Ngama-401 (k) mboleko, isohlwayo sokuqala sokurhoxiswa kunye nerhafu yengeniso ayiyi kusebenza, kunye neyona nto ibaluleke kakhulu. Ukuba ushiya umsebenzi wakho, nayiphi na imali esele isala imali iya kuhlawulwa ngokupheleleyo. Ukuba awuyibuyisanga imali oyenzayo, yonke imali iyaphathwa njengentlawulo ehlawulwayo. Kwimeko leyo, uhlawula irhafu yengeniso kunye nesigwebo xa uneminyaka engama-59 / 1/2.
Ngaba i-401 (k) Ingxowa okanye ukuLawula yenza iNgqiqo ngakumbi?
Xa ucinga ukutshaywa kweerhafu ezingenakunxulumene nokuhoxiswa kwangaphambili, i-401 (k) mboleko ingaba yinto ekhangayo ngakumbi xa umvuzo oya kubuyisela ungaphantsi koko uza kuhlawulwa kwiirhafu. Ngokuqinisekileyo, kukho enye inkalo ngokukhetha oku: unciphisa ukugcinwa kwakho komhlalaphantsi.
Ngama-401 (k) mboleko, uza kuba nokukwazi ukutshintsha loo mali ngokuhamba kwesikhathi. Ukuba ubeka imali engama-401 ubudala (k), nangona kunjalo, akukho ndlela yokuyibuyisela imali leyo. Kuzo zombini iimeko, ulahlekelwa ngamandla kummandla wenzalo ukukhulisa ubutyebi bakho bokuthatha umhlala-phantsi ngexesha.
Omnye umgca wokumboleka kwi-401 (k) yendlu-ingaba uthatha imali mboleko okanye uhoxise-kukuba unokukuvumela ukuba ugweme ukuhlawula i- inshurensi yangasese yokubolekwa kwemali xa unikezela umboleki imali enkulu yokuhlawula. I-inshurensi yangasese ye-mortgage yinshurensi ekhusela umboleki kwaye kuyadingeka ukuba ubeka ngaphantsi kwama-20 eepesenti. Uhlawula i-premium yangaphambili yokubhengezwa, kunye ne-premium yenyanga, eyongezwa kwi-payment mortgage yakho. I-inshurensi yangasese ye-mortgage ingasuswa xa ufikelela kuma-20 ekhulwini ukulingana ekhaya kodwa inokongeza kwiindleko zobunikazi basekhaya kwiminyaka yokuqala yemali yakho.
Ezinye iindlela zokuboleka kwi-401 yakho (k)
Ngaphambi kokuba ubole kwi-401 (k) ukuthenga ikhaya, qwalasela ukuba kukho ezinye iindlela ezikhoyo. Umzekelo:
- Iinkqubo zenkxaso yokuhlawula phantsi : Iinkqubo zokuncedwa kweentlawulo eziphantsi zijoliswe ekuncedeni abathengi abafanelekileyo ukuhlawula indleko kunye nokuvala iindleko. Ezinye iiprogram zinikezela ngeemali kubathengi abafanelekileyo abangenayo ukubuyiselwa. Abanye banika iinkqubo zokulondoloza ezifanayo, ezifana ne-401 (k), ezifanisa zonke iidola ezilondolozayo ekuhlawuleni kwentlawulo yakho, ukuya kwisixa esithile.
- Izipho zokuhlawula phantsi: Ukuba unamalungu entsapho afuna ukukuxhasa kwimigudu yakho yokuthenga ikhaya, unokucinga ukuba ucele isipho sakho imali yokuhlawula. Isixa semali esingaba nekhono kunye nemali omele uyibeke ekuhlawulweni kwentlawulo kwiimali zakho iyakwazi ukuhluka, ngokusekelwe kumhlobo wokuboleka imali oyifumanayo. Into ebaluleke kakhulu ukuba uyikhumbule kunye nezipho zokuhlawula phantsi kukuba kufuneka zibhalwe ngokupheleleyo. Ngaphandle koko, umboleki-ke ngoku unokuvumela ukuba usebenzise loo mali ukuze uyihlawule.
- Ukurhoxiswa kwe-IRA: Ukuba unayo i-IRA, unako ukurhoxisa ufike kwi-$ 10,000 kwi-akhawunti yakho uhlawule phantsi kwekhaya ngaphandle kokufaka i-10 ekhulwini kwi-penalty. Qaphela ukuba kunjalo, ukuba uyasusa kwi-IRA yendabuko, uya kuhlawulwa irhafu yengeniso kwisixa osihoxisayo.
Ukuboleka ukusuka kwi-401 (k) inamalungelo athile, ngokukodwa ukuba akudingeki ukuba ube ne-sum sum of cash out of pocket. Nangona kunjalo, impembelelo yakho kumhlalaphantsi kunye nokukwazi ukuhlawulwa ngaphezulu kweerhafu kufuneka ulinganiswe ngenyameko ngaphambi kokuba uzibophe.