Nasi isizathu sokuba ufanele-kwaye ungafanele--Ukuhlaziya kwakhona ngoku, ngokutsho kweeNgcali

Fumana Inombolo Yakho Yengelosi

Kunye inzala yemali mboleko ukulahla ngenxa yokuqhambuka kwe-coronavirus, kunokubonakala ngathi lixesha elifanelekileyo lokuhlaziya. Sine-Federal Reserve yokubulela ngokuyinxenye ngale-bhanki kunciphise inzala ukuya ezantsi kwimbali kumzamo wokunyusa uqoqosho, nto leyo ebonisa amaxabiso asezantsi obambiso kwibhodi yonke. Kodwa ngenxa yokuguquguquka kwemarike ngoku, ngaba ukuphinda uxhase imali ngumbono olungileyo?



URuth Shin, umseki kunye ne-CEO yendawo yokuthengiswa kwezindlu IpropathiNest , ichaza ireyithi ephambili ngoku eyi-3.25 yeepesenti. Uthi isigqibo sakho sokucoca kwakhona, nangona kunjalo, sixhomekeke kuluhlu olude lwezinto. Sijike saya eShin kunye nezinye iingcali ukuseka izinto ezilungileyo nezingalunganga zokuphinda uxhase ubambiso lwakho ngexesha lokuqhambuka kwe-coronavirus.



Ngaba iwindow yethuba lokucoca ngexabiso eliphantsi iyavala?

Inzala ihleli iphantsi kakhulu kule minyaka imbalwa idlulileyo-kudala phambi kobhubhane-ibangela iingcali ezininzi zezezimali ukuba zicebise abaninimzi ukuba baphinde bathathe imali. Kodwa ukuba awuzange uthathe ithuba lokufumana amaxabiso asezantsi ngaphambili, ngaba sele kuhlwile ngoku? Umrhwebi UBill Kovalchuk IWarburg Realty eManhattan ikholelwa ukuba iwindow inokuba iyazivalela imali. Amaxabiso anyukile kule veki ngepesenti ye-0.5 ngenqanaba elimiselweyo leminyaka engama-30 (ukusuka kwiipesenti ezingama-3.13 ukuya kwipesenti ezi-3.65) kwaye ndibone namaxabiso aphezulu njengeepesenti ezi-4.



Ukutsiba yayiyeyona nto inyukayo ngeveki kumndilili Ixabiso leminyaka engama-30 lokubolekwa kwemali mboleko ukusukela ngoNovemba 2016, ngokwe Uboniso lweNtengiso . Iingxelo zeendaba zezezimali zeengxelo zezona zikwizinga eliphezulu lokubolekwa kwemali azikabhalwa ukusukela ngoJanuwari.

Kutheni amaxabiso enyuka nje? Izivuno kwimali mboleko yezibambiso ziye zanyuka njengendlela yokugcina inyathelo elinzima lokufumana imali kwakhona, ucacisa uKowalczuk.



Ithetha ukuthini xa ubona 222

Kwiimarike zanamhlanje, abathengi abaninzi bajonge ukulungiswa ngaphandle kokuthenga ikhaya elitsha. Ngapha koko, iKowalczuk iqikelela amaxesha ali-10 abathengi abaninzi bakhetha ukucoca kwakhona. Okwangoku, ucebisa ukuba ukuba amaxabiso akhoyo asezantsi kunaleyo unayo, licebo elihle ukuzama ukuphinda unike imali. U-Kowalczuk uthi la mazinga ayi-3.13 eepesenti kusenokwenzeka ukuba abe ngumphumo, kodwa lixesha kuphela eliza kuxela.

Kwelinye icala, uJames McGrath, ongumseki-mbumbano we-NYC yokuthengisa izindlu nomhlaba Yoreevo , Ucebisa ababoleki ukuba balinde ukucoca kwakhona. Ngelixa inzala yentengiso iye yehla ngokwenene, amaxabiso obambiso awakhange ashukume kakhulu, utshilo. Kungenxa yokuba umsantsa ophakathi kwaba babini — ‘ukusasazeka’ — uye wanda. Iibhanki azikhawulezi ukukhupha imali mboleko, ke uMcGrath uthi akukho khuphiswano lukhulu.

Ukubeka amanye amanani kuloo nto, amaxabiso obambiso ahlala elandelela iminyaka eli-10 yenqanaba likaNondyebo wase-U.S. Ukuba isivuno seminyaka eli-10 sihla ngeepesenti ezingama-0.25, kuya kufuneka ulindele ukuba amaqondo obambiso ezehle malunga noku kakhulu. Endaweni yokuboniswa kweentshukumo zeFed, amaxabiso obambiso alandela isivuno sebhondi njengereyithi kaNondyebo.



Okwangoku, uMcGrath uyacacisa, Sibonile ukuba ishumi leminyaka le-10 le-U.S.

lithetha ukuthini inani u-888

Kuxhomekeke kwimeko yakho, kukho zombini izibonelelo kunye nezinto ezingalunganga zokuphinda unike imali. Nazi ezinye zezinto ekufuneka ziqwalaselwe.

Thumela umfanekiso Gcina Ncamathisela Bona eminye imifanekiso

Ityala: eluhlaza / Shutterstock

Kutheni le nto kufuneka uphinde ucofe imali ngoku

Uncedo lokuphinda unike imali, ewe, kukufumana inzala esezantsi kwimali mboleko yakho. Kodwa uya kufuna ukwenza oku kuphela ukuba ukwimeko ethile yezemali.

Ithetha ntoni i-888 kuthando

Ukuba iqondo lakho lobambiso lisondele kwipesenti ezi-4, UMihal Gartenberg waseWarburg Realty ukholelwa ukuba lixesha elihle lokuhlaziya. Ngaphezu, ukuba unesibambiso sejumbo kwaye inzala yakho ingaphezulu kwipesenti ezi-4, kuya kufuneka ukuba ubalekele ukucoca kwakhona, ucebisa UDaniele Kurzweil , umthengisi wokuthengisa izindlu nomhlaba onelayisensi kunye neQela likaFriedman eCompass eNew York. Uthi eli lelona xesha lilungileyo lokungxama kwinqanaba lakho kwaye unciphise iintlawulo zakho zenyanga. Thatha ithuba kwaye utshixe ireyithi yakho entsha ukuze ufumane indawo yokuphefumla ngakumbi kuhlahlo-lwabiwo mali lwenyanga, u-Kurzweil uyachaza. Koluqoqosho lusandul 'ukuvela, oko kunokuba yinzuzo enkulu.

Nokuba ucocekile ngentlawulo yakho yobambiso, uthi i-refi inokuba luncedo. Iya kukuvumela ukuba uwususe kude umahluko inyanga nenyanga kwaye uyisebenzise ukuhlawula inqununu yakho ngokukhawuleza, okanye uthathe umahluko uyiphose kwiakhawunti yomhlala phantsi.

Ukuba ukhetha eyokuqala, ungathatha iminyaka kwixa lakho lemali mboleko. Unokuguqula iminyaka engama-30 ube yimali-mboleko yeminyaka engama-20, umzekelo, kwaye ungazigcinela iminyaka yentlawulo kunye namawaka ngenzala, ngokuka-Andrina Valdes, inkokheli yokuthengisa kunye ne-COO Ukubolekwa kweKhaya leCornerstone , eSan Antonio, eTexas.

Enye indlela kukusebenzisa i-refi ukuphucula ikhaya lakho kunye nokunyusa ixabiso. Umninikhaya ophakathi ubona malunga ne-5,300 yeedola kwinzuzo yokulingana, ngokukaValdes. Ke, ngokuphuma kwemali ezinkozo, unokusebenzisa olu nyuso lwakutsha nje kwimali-mboleko yasekhaya ukuxhasa ngemali ukulungiswa, ngokunokongeza kwixabiso lepropathi yakho, utshilo. Unako nokwenza imali ukuze uhlawulele imfundo, iindleko zonyango, okanye ezinye izinto zethikithi enkulu.

Kutheni le nto kungafuneki uphinde ucofe kwakhona ngoku

Ngelixa kukho izizathu ezininzi zokuba ukuphinda uxhase imali ngoku kunokuba ngumbono olungileyo, kukwakho neziphumo ezibi ezinokubakho. Inqaku lakho letyala linokuthatha ukubetha, elinye. Ukuphinda unike imali kubandakanya ukutsala nzima kwityala kunye nokungeniswa kwamaxwebhu emivuzo, uShin ulumkisa.

Kwaye ngenxa yokuba amaxabiso asezantsi akuqinisekisi ukuba uyakufanelekela. Amaxabiso aphezulu aya kubantu abanamakhredithi amahle, uyacacisa uWarburg UArlene Reed .

Ngapha koko, kunokwenzeka ukuba ungade ufanelekele ukufumana imali kwakhona. Ukuba imeko yakho yezemali itshintshile kwizinto ezimbi, ezinokubandakanya ukuncitshiswa komrholo, amanqaku aphantsi etyala, ukulahleka kwempahla, okanye ukwanda kwetyala-ngaphandle kwemali mboleko yakho yangoku- ukuphinda unike imali akunakuba lukhetho, utshilo uShin. Oku kubaluleke ngakumbi ukuba kugcinwe engqondweni njengoko ukudendwa kunye nokunye ukubetha kwemali kusondela ngenxa yentsholongwane.

imele ntoni i-222

Uya kufuna kwakhona ukuqaphela uhlobo lwemali mboleko onayo. Kubantu abanemali mboleko ezincinci ezingakulungelanga ukuba yijumbo, amaxabiso awahlelanga ngokwaneleyo ukuze athethelele i-refi, utshilo uKurzweil.

Iindleko ezinxulunyaniswa nokuphinda unike imali akufuneki zihoyiwe. NgokweRed, iindleko zokuvala kwireferensi zingabakho ukusuka kwi-2 ukuya kwi-5 yepesenti yenqununu. UKurzwell wongeza ukuba kungakuthatha naphina ukusuka kwiminyaka emibini ukuya kwemithathu ukwenza umahluko kwiintlawulo.

Jonga ukuba umbolekisi wakho wangoku uza kukuhlawulisa njani ngemali-unokuba ugcina kuphela i-47 yeedola ngenyanga kwaye inokubiza i-3,000 yeedola ukuphinda uhlawule, uyaqiqa. Umboleki-mali anganakho ukukunika kuphela isibalo se-ballpark, kodwa oko kufanele ukuba kube ngokwaneleyo ukufumanisa ukuba i-refi ixabisa indleko.

Intsingiselo ye-444 kwibhayibhile

Kulabo basondele ekuhlawuleni imali mboleko yabo, i-refi isenokungabi yeyona ndlela ilungileyo yokwenza. Iminyaka yakho engama-30 izakuqala, kwaye ekuhambeni kwexesha, uyakuhlawula inzala ngakumbi, ngakumbi ukuba sowukufuphi ukuhlawula imali mboleko yakho, uthi UDonovan Reynolds Indawo yokuhlala i-Intown Coldwell Banker eAtlanta. Kwimeko apho, andikukhuthazi ukuphinda unike imali ukuba ukufutshane ekuhlawuleni ikhaya lakho esele likho.

Cinga ukubamba ukuxhasa ngemali kwakhona, ukuba awukho kuyo ixesha elide. Ukuba ucwangcisa ukuthengisa kunyaka olandelayo okanye emibini, kusenokungabi nengqondo ukuphinda uhlawule ngenxa yemirhumo umbolekisi ayibizayo, utsho UJulie Upton , Umrhwebi kwiCompass kwindawo ye-Bay. Endaweni yoko u-Upton ucebisa abaninimzi ukuba bafune uhlengahlengiso kwimali mboleko kuqala. Oko bekuya kuthetha ukuba akukho nkqubo ende yokwenza isicelo, kwaye iya kuba yimali encinci yokugcwalisa imali ukuze ubuyise imali yakho mboleko ngoku ngokutsha, amaxabiso aphantsi obambiso.

Ngayiphi na imeko, kufanelekile ukuthatha ukujonga okuhle, okunzima kwimali mboleko yakho nakwimpilo yakho yezemali ngala maxesha anzima.

UTerri Williams

Umnikeli

UTerri Williams unephothifoliyo ebanzi ebandakanya ii-byline kwi-The Economist, Realtor.com, e-USA namhlanje, eVerizon, e-US News nakwiNgxelo yeHlabathi, Investopedia, Heavy.com, Yahoo, nakwabanye abathengi abaninzi osenokuba uvile. Unesidanga se-bachelor ngesiNgesi kwiDyunivesithi yaseAlabama eBirmingham.

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