Ndixelele ukuba oku kuvakala kuyinto eqhelekileyo: Yeyokuqala enyangeni, ityala lakho lobambiso lwe-humungo lifanelekile, kwaye unemali eyaneleyo kwiakhawunti yakho yokujonga ukuyikhusela, ukusukela oko wahlawulwa okokugqibela… nini? Mhlawumbi yayiziintsuku ezili-11 ezidlulileyo? Cinga ukuba utya ipasta kwisidlo ngasinye kwaye uhlala de kufike umvuzo olandelayo.
Asinguwe wedwa. Ngokwe-Bureau of Labor Statistics , ngaphezulu kwesithathu seenkampani zase-U.S. (i-36.5%) zihlawula abasebenzi bazo iiveki ezimbini; kodwa oko akuthethi ukuba ezo veki zitshekisha zilungelelaniswe kakuhle nemihla efanelekileyo yetyala lakho. Ukuhla kwentlawulo kwiakhawunti yakho yebhanki ngomhla woku-1 nowe-15 xa ubambiso lwakho lubanjelwe okokuqala kwaye ikhadi lakho letyala lifanelekile ngomhla we-15? Ukugqibelela. Kodwa xa uhlawulwa ngomhla we-9 nowama-23? Ugh. Kuba inyanga ineeveki ezimalunga nezine ubude (kodwa hayi ngokuchanekileyo, ngaphandle kwezintathu kwezine zangoFebruwari), mhlawumbi, njengabantu abaninzi, uqhekeza uhlahlo-lwabiwo mali lwakho lwenyanga ngokusekwe kwimivuzo emibini kwaye ujongane nobunzima obuza nemihla eyahlukileyo efanelekayo. Uhlala njengomfundi wasekholejini kwiveki emva kokuba ubambisiwe, kwaye ke ufane nomntu omdala ohlawulelwayo xa kungena imali yesibini.
Kodwa ungathini ukuba ndikuxelele ukuba ikhona indlela elula yokwenza ukuba umvuzo wakho uzinze ngakumbi kwaye ukongela imali ekuhambeni kwexesha? Yinto elula: Thumela nje ngesiqingatha semali yokuhlawula ubambiso ngentlawulo nganye. Awuzukuva ukunyuka komjikelo womvuzo wakho kunzima, kwaye awuyi kuqaphela ukuba mkhulu umahluko kwimali yakho yenyanga nenyanga. Uya konga amashumi amawaka eedola ixesha.
lithetha ntoni i-222
Asingomlingo: Zizibalo. Ngokusisiseko wenza intlawulo yokubambisa enye eyongezelelweyo ngonyaka eya ekuhlawuleni imali eseleyo. Ukubona oku kusebenza, masibale amanani athile usebenzisa isixhobo sokubala seBankrate : Yithi ufumene iminyaka engama-30, umyinge obekiweyo we-mortgage engama- $ 300,000 kwi-4.5%. Intlawulo yakho yenyanga iya kuba malunga ne- $ 1,520, kunye neerhafu zepropathi kunye ne-inshurensi yabanini bamakhaya. Ukwenza iintlawulo zarhoqo ngenyanga ze- $ 1,520 kangangeminyaka engama-30, uyakubhatala malunga ne- $ 247,220 ngenzala epheleleyo kubomi bemali mboleko. Ukuba utshintshela ekuhlawuleni ityala lakho lobambiso ngeveki-uhlawula isiqingatha, okanye i-760 yeedola, rhoqo emva kweveki kungena umvuzo wakho-ubuya kuhlawula i-203,661 yeedola ngenzala iyonke. Oko kungaphezulu kwama-43,000 eedola okonga.
Endaweni yokwenza iintlawulo ezili-12 zeedola ezili-1,520 (okanye ukuhlawula i- $ 18,240 ngonyaka), endaweni yoko wenza iintlawulo ezingama-26 ze- $ 760, $ 19,760 ngonyaka. Unyaka nonyaka, ukhupha i- $ 1,520 eyongezelelweyo kwinqununu yemali mboleko, ukugcinela i-43,000 eyongezelelweyo yokonga ngaphezulu kwexesha lemali mboleko. Ngaphezulu, uyakwakha ubulungisa ngokukhawuleza, kwaye ikhaya lakho liya kuhlawulwa iminyaka emihlanu ezeleyo-okulingana nokuzinika imali eyi- $ 18,000-ngonyaka ukukhulisa iminyaka engama-25 ukusukela ngoku.
Konke oku kuthetha ukuba kufuneka nje uqiniseke ukuba uchaza kwiintlawulo zakho ukuba iimali ezigqithileyo kufuneka zisetyenziswe kwinqununu yemali mboleko, hayi inzala okanye iscrow.
Ukulunga, le ndlela ayisoloko isenza ingqiqo. Okokuqala, umbolekisi wakho angakuhlawulisa ngentlawulo ekhawulezileyo. Isohlwayo sokuhlawulwa kwangaphambili sinokugqitha nasiphi na isibonelelo esinokubakho, uMatt Becker, umcwangcisi wezezimali oqinisekisiweyo kunye nomsunguli we Umama notata Imali , utsho. Ungajonga uxwebhu lwakho lwemali mboleko okanye wongeze umbolekisi wakho ukufumanisa ukuba ngaba lo ingangumba.
Oko kwathiwa, isohlwayo sokubhatala kwangaphambili ngoku asiqhelekanga kwimali mboleko kunaleyo ikhutshwe ngaphambi kwengxaki yemali ka-2008. Ngokwe- ICandelo loKhuseleko lwezeMali zabaThengi , kunokwenzeka ukuba basebenzise kuphela xa behlawula yonke imali mboleko ngaxeshanye. Kodwa kusabalulekile ukujonga kumbolekisi wakho.
Okwesibini, ukuba unezinye izinto eziphambili ngokubaluleka kwezemali, imali yakho inokugcinwa bhetele kwenye indawo. Ngelixa ukuhlawula ngokukhawuleza kwempahla yakho yobambiso kulungile, kunokuba kungakulungelanga ukuba iintlawulo ezongezelelweyo zithintela amandla akho okonga ezinye iinjongo ezibalulekileyo njengomhlala-phantsi okanye imfundo yomntwana wakho, utsho u-Becker. Kuhlala kungumbono olungileyo ukujonga ezi zigqibo ngaphakathi kwesicwangciso sakho sonke sezemali.
Kwakhona, ezo nyanga zintathu zokuhlawulwa kwemilingo eziza kabini ngonyaka ukuba uhlawulwe nge-biweekly ziya kuba ngaphantsi komlingo. Ukuba wenza into enemveliso ngokubanzi ngetshekhi zebhonasi, njengokuhlawula isixa esikhulu setyala kwangoko okanye ukubetha imali eyongezelelweyo kwingxowa mali yeholide, ezo njongo zezemali ziya kuthatha indawo. Kodwa ungagcina obunye bobugqi ngokutsiba i-inshurensi yendlu eyongezelelweyo kunye neerhafu zepropathi kwintlawulo yesithathu. Kuba omabini loo mabhili akaqokeleli nzala, akukho sibonelelo songa imali sokwenza intlawulo eyongezelelweyo kunye nokuhlawula ezo zihlawulwe kwangethuba. Endaweni yoko unokuyilahla loo mali ingaphezulu yogcino okanye enye into eyonwabisayo.
Ngaba uhlawulelwe ishedyuli enokuqikelelwa ngakumbi okanye ukwenyanya ukuyeka ezo ntlawulo zebhonasi? Unako nokuhlawula ityala lakho lobambiso ngokukhawuleza ngaphandle kokuncama okungaka ngokumane ujikeleze intlawulo yakho (kwakhona, ucacisa ukuba imali eyongezelelweyo kufuneka isetyenziswe kwinqununu). Ke, endaweni yokubhala itsheki ye- $ 1,520.08 kwaye ukhathazeke ngamanqaku edesimali, yijikeleze ukuya kuthi ga kwi-1,600 yeedola (okanye nantoni na elingana nohlahlo-lwabiwo mali). Uyakucheba ngokufanayo iminyaka embalwa-kunye namawaka eedola ngenzala-kwi-mortgage yakho.
Ithetha ukuthini i-11.11
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