Uninzi kangakanani omele ulondoloze umhlalaphantsi?
Xa kuziwa ekutheni unokulondolozwa kangakanani umhlalaphantsi, kukho imibuzo emininzi kunye neengcamango ofuna ukuvavanya njengoko ucinga ngomhlalaphantsi, mhlawumbi okanye ngaphandle kokuncediswa ngumcwangcisi:
Ukugcinwa kwemali yomhlalaphantsi Ingqalelo # 1 - Ucinga ntoni ngomhlalaphantsi wakho?
Ubomi bakho bomhlala-phantsi obubonakalayo bubukeka buninzi njengokuba unayo ngoku? Okanye unokuba nethemba lokunyathela inotshi? Ngaphandle koko, unokuba unqwenela ingcamango yomhlala-phantsi kwangaphambili nangenxa yexabiso eliphantsi lokuphila. Ayikho impendulo engalunganga okanye engalunganga, kodwa indlela yokuphila yomhlala-phantsi ekulindelekileyo yinto ebalulekileyo ekuphenduleni "Ndingakanani na imali endiyidingayo?" umbuzo.
Ukubaluleka koMhlala-phantsi # 2 - Yintoni oyenzayo namhlanje?
Ingeniso yakho yangoku yinqanaba elisebenzayo lokubala izidingo zakho zokulondoloza umhlala-phantsi. Izibizo kukuba ngaphezulu okwenzayo namhlanje, ukonga okungakumbi oya kuyidinga umhlalaphantsi -kubonga ngokuphila kwintlalo edlalelekileyo kuluntu namhlanje. Ukuba uhluke kuninzi, uyavuyisana - unokufumana imali encinci. Kodwa akuyi kuba yinto enomdla kuba sele usalondoloza ngaphezulu.
Ukugcinwa kwemali yomhlalaphantsi Ingqalelo # # Ngaba uya kufumana nayiphi na inzuzo yempesheni yomhlalaphantsi ngexesha lomhlalaphantsi?
Ezi ntlawulo zenyanga ziyakususa ngokukhululekileyo ukusuka kwisixa onokufuneka ugcine kuso. Ukufumana uqikelelo olulungileyo kubaluleke kakhulu njengoko uceba umhlalaphantsi wakho kwaye unqume ukuba ufuna ukugcina imali.
Ukuqwalasela umhlala-phantsi kwiNgxowa - 4 - Uya kuthatha umhlalaphantsi nini?
Uncinci xa usuhlala phantsi, kungekudala ungalindela ukuhlala ngexesha lomhlalaphantsi. Oku kuthetha ukuba uzakufuna ngaphezulu ukugcinwa. Ukuba ulinde ixesha elide kude kube ngumhlalaphantsi, kungekhona nje kuphela ukuba uza kutsala umhlalaphantsi ngenxa yemali emfutshane yexesha, kodwa uya kusebenza iminyaka engaphezulu, oku kuthetha ukuba unokugcina ngaphezulu.
Ukuqwalasela umhlalaphantsi Ingqalelo # 5 - Uneminyaka emingakanani oceba ukuyichitha ngomhlalaphantsi?
Le ndlela yindlela enobungakanani, indlela yokubuza umbuzo obunzima - ucinga ixesha elingakanani lokuphila? Ngokusekelwe kwimpilo yakho kunye nokulindela ixesha elide, unokuchitha iminyaka engama-30 okanye ngaphezulu xa uthatha umhlalaphantsi. Ukuqaphela ukuba uneminyaka emininzi oyichithayo kumhlalaphantsi kukunceda ukuba ungakanani ubuninzi bakho obulondoloziweyo oya kuwufuna ukuwuhoxisa unyaka ngamnye.
Ukugcinwa koMhlala-phantsi kwiNkcazo # 6 - Uza kutyala njani?
Ukuba utyalomali ngokutsha, unokulindela ngokuqinisekileyo izinga lokubuyisela kwi-investments, oku kuthetha ukuba kuya kufuneka ulondoloze ngaphantsi xa kuthelekiswa nomnye umntu ogxininisa ukugcina lonke utyalo-mali kwi-akhawunti yokulondoloza ibhanki.
Unokulondoloza buninzi kangakanani kwaye uneminyaka engakanani ngoku?
Osemncinci kwaye kwaye usoloko ulondolozile, ngaphantsi uzakufuna ukulondoloza kwixesha elizayo ukuze ufikelele kwimilinganiselo efanayo yokuhlala umhlala-phantsi njengomntu omdala okanye ngemali encinci igcinwe kude kube yile ngongoma.
Intaka yokuqala ifumana ngaphezu kwesidumbu.
Ukumisela Inombolo Yakho
Izicwangciso zokuthatha umhlala-phantsi ezintle zijolise ngaphezu komhla wokuqalisa umhlalaphantsi. Bakha isicwangciso sokulondoloza umhlala-phantsi ekufuneka sihlangabezane neenjongo zakho ezifunyenweyo. Ukulinganisa okulondoloziweyo kwakho okufunekayo kunokuba ngumngeni.
Ukufumana izikhokelo zangaphambili zomhlalaphantsi, izikhokelo zokucwangcisa izicwangciso zezemali zibonisa ukugcina kwindawo ethile phakathi kwe-10 ukuya kwe-15 ekhulwini lakho lemali engenayo. Kodwa oku kucinga ukuba uqala ukugcina ngokukhawuleza kwiphondo lakho kwaye luyisikhokelo esiqhelekileyo. Ukuba uthe waqala ukuhamba ngokukhawuleza ngokulondoloza umhlala-phantsi ungadinga ukubeka eceleni iipesenti ezingama-20 okanye ngaphezulu kwengeniso yakho ukuze ugcine impilo yakho efanelekileyo.
Indlela efanelekileyo yokufumanisa ukuba kuyimfuneko kangakanani ukuyigcina umhlalaphantsi kukudala isicwangciso- mali sokuthatha umhlalaphantsi kwaye usebenze ukubalwa komhlalaphantsi wokuqala ukuba ubone ukuba uhamba ngendlela efanelekileyo.
Njengoko ubona, akukho bukhulu obufanayo buhambisana nayo yonke impendulo kwi "Ndingakanani na ukuba ndiyigcine?" umbuzo wokuthatha umhlalaphantsi. Nangona kunjalo, kukho umgaqo wesithupha. Emva kokuba unqume oko ucinga ukuba uya kuyidinga ukuba uphile ngexesha lomhlalaphantsi, phinda ngo-25. Ngokomzekelo, ukuba ucinga ukuba uya kufuna i-$ 40,000 ngonyaka, omnye umthetho wesithupha uthi uya kufuna amaxesha angama-25 isixa, okanye i-$ 1,000,000 ukwenzela ukuba uthathe umhlalaphantsi ngokukhawuleza. Ngakolunye uhlangothi, ukuba ufumana i-15,000 yeeNtlawulo zeNtlalo yoncedo ngamnye ngonyaka kunye nomhlala-phantsi wonyaka we-$ 5,000, ufuna kuphela isigamu sama-40,000 e-$ 000 ngonyaka ngamnye ukusindisa kwakho. Ekubeni uza kuceba kuphela ukukhwela malunga ne-20,000 zamawaka ngonyaka, uya kufuna nge-$ 500,000 egcinwe ngumhla wakho womhlalaphantsi.
Sekunjalo, umgaqo wesohlwayo awukho umthetho wolawulo. Okubaluleke ngakumbi, iinjongo zomhlalaphantsi ngamnye umntu kwaye akukho mntu ufumana ingxaki kuba basindise kakhulu ngokukhawuleza.