Ukuchaza nokuCwangciswa kweNgeniso yeNzuzo kwiMhlala-phantsi
Ukuhlaziywa kwemivuzo yokuTshintshwa kwengcaciso
Umlinganiselo wokubuyisela umvuzo, owaziwa njengengeniso yokutshintshwa kwengeniso, ngokubanzi kubhekisela kwipesenti yemali engenayo ngaphambi kokuthatha umhlalaphantsi efunekayo kumhlalaphantsi.
Ngokomzekelo, ukuba ingeniso-mali yomhlala-mali ngaphambi kokuba umhlala-phantsi i-$ 100,000 kwaye umtyalo-mali uthatha umyinge we-80% wokuguqula umvuzo uya kukwanela kwingeniso yomhlala-phantsi, umtyalomali uya kufuna ukulungiselela i-$ 80,000 iimfuno zokufumana imali ngomnyaka omnye womhlalaphantsi.
Olu lwazi lunokukunceda ekuqaliseni ulwabiwo lweefa ezifanelekileyo kunye neentlobo zengxowa-mali zokuthenga ukufikelela kwiinjongo.
Ukuqalisa ngeNgeniso yokuNikwa kweNgeniso
Nangona unesiphene, umlinganiselo wokubuyisela umvuzo unokuba sisixhobo esihle sokucwangcisa ukuqikelela iimfuno zempesheni yomhlalaphantsi. Ngokuqhelekileyo "imithetho yesithupha" ayisebenzi kuwo wonke umntu kodwa ukuba uceba kunye nenjongo yakho ukuba uthathe umhlala phantsi iminyaka engama-20 ukususela ngoku, kufuneka wenze ezinye iingqiqo kwaye wenze izibalo ezithile ngaphambi kokuthatha isigqibo malunga namaxabiso okulondoloza, ukwabiwa kwempahla , ukhetho lokutshala imali.
Esinye isikhokelo esiqhelekileyo sokufumana umhlala-phantsi ngumgaqo we- 4% , obonisa ukuba inqanaba lokuqala lokuhoxisa umnyaka wokuqala wokuthatha umhlalaphantsi ngu-4% wempahla ehlala phantsi.
Ngoku ulungele ezinye zezibalo. Ukwenza izinto zilula, masicinge ukuba uneminyaka engama-20 ukusuka kumhlala-phantsi ngoku kwaye ungaphila kwimali engenayo engama-50,000. Ukusebenzisa umgaqo we-72 , othi unokwahlula u-72 ngezinga elilindelekileyo lokubuyela kwaye ufike kwinani leminyaka ukuphindwa kabini ukugcinwa kwakho, unokufumana kwakhona imali engenayo yomhlalaphantsi kufuneka ngale ndlela.
Ukugcina izinto zilula, masithathe i-3.5% yexabiso lokunyuka kwamaxabiso, elincinane kunomyinge wesiganeko. Ukuba uyahlula i-72 nge-3.5, ufumana malunga nama-20. Oku kukuxelela ukuba imali yakho ye-50,000 engenayo kwi-dollar yanamhlanje iya kuphinda ibe yi-$ 100,000 kwiminyaka engama-20. Ngoku, ngokuthatha ixesha elingama-20 lomhlala-phantsi, umbandela kwi-80% yokuguqula umvuzo wehorensi kwaye ufika kwimfuno yokufumana umhlala-phantsi weminyaka eyi-80 000.
Ukusebenzisa ulawulo lwe-4%, unokwahlula imfuno yakho yengeniso (80,000) ngu -04 uze ufike kwi-$ 2 yezigidi. Ngoku konke okufuneka uyenze kukubonisa indlela yokufikelela kwi-$ 2 yezigidi ukusuka apho uhlala khona namhlanje! Ezi zibalo zinzima kakhulu. Ndiyakwazi ukukuxelela ngoku ukuba awuzange ulondoloze nantoni na kwaye udinga i-$ 2 yezigidi kwiminyaka engama-20, kufuneka ugcine imali engama-$ 3,400 ngenyanga kwaye utyalo-mali lwakho luya kululeka ukulinganisa inani le-8.00% lokubuyela ukuze ufike khona. Kodwa ukuba unayo i-$ 200,000 egcinwe kusesikweni, uza kufuneka ugcine imali engama-$ 1,100 ngenyanga phantsi kweengcamango ezifanayo.
Gcina ukhumbule ukuba umlinganiselo wokuguqula umvuzo kunye nolawulo lwe-4% lulula kodwa uqikelelo oluncedo. Ngoko ke, ngokubanzi, okuqhubekayo ukusuka kumhla wakho wokuthatha umhlalaphantsi, uqikelelo oluncinci lwakho luya kwenzeka. Kungenxa yoko ukucwangciswa kwezezimali kuyinkqubo eqhubekayo.
Unokwenza utshintsho njengoko usondela kumhla wokuthatha umhlalaphantsi.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.