Ukubuyiswa kwemali engenanto ayiyonto engcolileyo
Enye into eqhelekileyo yokuhlawula impahla; Uninzi lwabazali babazali abacinga ukuhlawulwa kwempahla yabo yecala ukuba ifa labo lingahle linciphise xa umama okanye utata ethatha loo mboleko.
Enyanisweni, ukusebenzisa i-home equity instead of spending more IRA asethi angakwazi ukugcina ubutyebi obungakumbi kwiindlalifa. Kwezinye iimeko, inokubonelela ngeenzuzo ezongezelelweyo zerhafu izindlalifa. Ngokomzekelo, ukuba ngabazali bafuna ngokusemthethweni bafuna ikhaya ukuba liye kubantwana ukuze bathengise i-future, iindlalifa ziza kufumana ixabiso lokuncitshiswa kwentlawulo kwi-interest interest non-paid. Le ngenye yezinto ezininzi ezingaziwayo "zeprosti" zengeniso yokubuyisela imali. Ezinye iinkonzo kunye neengxaki zingaphantsi.
Ukubuyiswa kwemithwalo yempahla
- Akukho ntlawulo zenyanga ezifunekayo
- Akukho mfuneko yengeniso okanye yempahla
- Akukho mali amanqaku amancinci
- Akukho mithintelo ekusebenziseni kwemali
- Inika imali engenayo irhafu
- Imboleko ayiyiyo inzuzo: awukwazi ukuhlawulwa ngaphezu kwexabiso lepropati
- Akukho mvume yomntu oyimfuneko
- Ngamana unokuthiwa kwi-trust yakho okanye kwindawo yokuphila (njengokwethemba lokuphilisa okanye ukuthembela okungenakuthenjwa)
- Inikeza ngeniso eqinisekileyo yobomi.
- Iiprogram zemali zokubuyisela imali zigunyazwe ngokusemthethweni, ngoko ke iindleko kunye nemigomo iyahambisana nababolekisi
- Urhulumente uyaqinisekisa ukuba imali yakho yokubolekisa imali iyakudlula ngaphaya kwexabiso lekhaya lakho umboleki akakwazi ukuthatha ikhaya lakho kwaye awunalo umrhumo, okanye lwakho usapho
- Xa uthengisa ikhaya lakho, njengokuba kukho nawuphi na umboleko wemali, imali yokuboleka imali ihlawulwa kunye nawaphi na ukulingana okongeziweyo
- Unokuboleka kwindawo ethile phakathi kwama-55% kunye no-70% wexabiso lekhaya lakho
- Ukubuyiswa kwemali yee-mortgages ayichaphazeli amanqaku akho
- Wena ungumnikazi wepropati ngamaxesha onke
Ukusetyenziswa kwemali yokuboleka imali
- Njengomgca wekhredithi ukubonelela ngempahla
- Ukunciphisa umngcipheko wezinto eziphumayo
- Ukubonelela ngemali ukwenzela ukuba ungayichasa umhla wokuqala woKhuseleko loLuntu
- Ukuxhaswa ngomshuwalense wexesha elide
- Ukuhlawula imali yakho ekhoyo kunye nokuphelisa imali yakho yokuhlawula imali
- Ukuhlawulela ukunakekelwa kwekhaya kwasekuqaleni ebomini
Ukuguqula umhlalaphantsi wempahla
- Ukuba uhamba kwiminyaka embalwa yokuthatha imali yakho yokubolekisa imali ehlawulwayo ingahlawulwanga inzuzo oyifumanayo
- Kufuneka uhlawule irhafu yakho yezindlu kunye nokugcina ikhaya okanye umboleko ungabizwa
- Kumele ube ubuncinane kwiminyaka emashumi amathathu (62) ukuba uthabathe imali yokuboleka imali (kubini isibini, iminyaka yobudala inqunywe ngumncinci wabini)
Xa i-mortgage mortgage ayikho into efanelekileyo
- Uya kufa ngomso
- Uhamba ngeveki ezayo
- Uvame ukuchitha imali eninzi, mhlawumbi ngokunika abantwana bakho kwaye ngoko unokuphelisa ukuba awukwazi ukuqhubeka nokuhlawula irhafu yerhafu ngelinye ilanga
- Ukuba ufanelekile kwiMedicaid, kwiimeko ezithile ezivela kwi-mortgage reverse zingathintela ukufaneleka kwakho, yenza okokuqala umsebenzi wakho wesikolo.
Ingakanani imali yakho yokubolekwa ngemali ehlawulwayo ihlawulwa nini?
- Njengawe nawuphi na umboleko xa kuthengiswa ipropati
- Xa umbolekeki edlulayo (umboleki wesigxina esiphelileyo) ke umhlaba uneminyaka engama-nye ukuhlawula imali
- Xa umboleki engasayi kuhlala kwiinyanga ezili-12 emva koko uneminyaka engama-nye ukuhlawula umboleko ngokuthengisa ikhaya, ukuhlaziya okanye ukuhlawula imali kuphela.
Izinto ezi-3 zichonga ukuba unokufumana phi
- Ubudala bomboleki - omncinci ungaphantsi ongayifumana
- Ixabiso lepropati - inani elingu-625,500 lemali elisebenzisiweyo
- Uhlobo lweprogram yempesheni yemali oyikhethayo
Linganisa ukuba ungayifumana njani i-calculator mortgage calculator.
Ingakanani imali evela kwimpahla yakho efunyenwe ngayo?
- Lump sum
- Iintlawulo zenyanga nganye
- Umgca wekhredithi
- Okanye nayiphi na inhlanganisela yale ingentla
Abanye abantu bathi enye inzuzo yokubuyiswa kwemali kukuba ibiza
Ukuba uvile ukuba ukuhlawula imali ebiza imali, kuyimfuneko ukuba ucele "ixabiso eliqhathaniswa nento"?
Isixhobo sokusebenzisa ukulingana kwasekhaya. Ukuthengisa indlu yinto enye ongayisebenzisa ukukhulula ukulingana kwekhaya. Ukuthengisa kubiza kakhulu. Ngezantsi ziqikelelwe iindleko zokuthengisa ikhaya elingama-400,000 ekhaya:
Iindleko ezilinganisiweyo zokuthengisa ikhaya leedola ezingama-400,000:
- Realtor @ 5%: $ 20,000
- Ukulungiswa kwekhaya: $ 10,000
- Iindleko zokuhamba: $ 5,000
- Iyonke: $ 35,000
Thelekisa oko kwiindleko eziqikelelwa kwi-mortgage back home kwi-$ 400,000 ekhaya:
- I-HUD "IMIP" @ 2%: i-$ 8,000 (yi-HUD yangaphambili ye-inshurensi yokubambisa i-inshurensi ye-inshurensi)
- Amaphupha (ukulinganisa umlinganiselo): $ 6,000
- Iindleko zokuvala: $ 3,500
- Iyonke: $ 17,500
Xa uhlawula intela, imali yokuhlawula imali ingaphinda ihlawule imali engaphantsi kokutyalwa kwemali-mali okanye ukuhoxisa imali engaphezulu kwe-IRA.
Khumbula, ngaphambi kokuba wenze i-mortgage mortgage , yenza uphando lwakho kwaye uqinisekise ukuba uyaqonda ukuba isebenza njani. Ngethuba nje ukuliqonda, akukho sizathu sokuba sifanele sicinge ukuba sibi okanye siyingozi.