Emva kokubukela abazali bethu bethatha umhlala-phantsi kwaye kusafuneka sihlawule imali-mboleko kwingeniso engagungqiyo, mna nomyeni wam sagqiba ekubeni senze nantoni na ukuthintela oko kuthi. Ke sisondele kwimali mboleko yethu ngamanyathelo anobundlobongela nangaphandle kwebhokisi engengawo awomntu wonke, kodwa ngokuqinisekileyo asebenzele thina.
Ubambiso 1:
Kwikhaya lethu lokuqala, sathenga indlu engabizi mali-mboleko esivunyiweyo ngayo, siphantse saphindaphinda intlawulo yethu yenyanga yokuqhekeza kwinqununu, sayibhatala imali saya kwinqununu sakuba singekho xanduva lwe-PMI, saze saphinda saxhaswa. Sikwazile ukuyinciphisa imali eseleyo kwi-180,000 yeedola, iipesenti ezisi-8 zerandi ebekiweyo, engama-30 yemali mboleko yokuya kwi-60,000 yeedola kwiminyaka eyi-10 kuphela-sigcina amakhulu amawaka eedola kwintlawulo enokubakho apha endleleni.
Ubambiso 2:
Kodwa konke oko kwatshintsha xa kwafuneka sifudukele eNashville ngomsebenzi omtsha womyeni wam. Sahamba kwikhaya lethu elihlawulelwayo phantse ngokuhlawula i-150,000 yeedola. Imakethi yaseNashville yayishushu, kodwa ngendlela ebiza kakhulu kuneedolophu zaseAtlanta (kwaye nabantwana ababini sasifuna indlu enkulu). Sifumene ikhaya elalixabisa i-635,000, sabeka i-135,000 yeedola, saza safaka isicelo seminyaka emitsha engama-30, iipesenti ezi-5 zokuhlawula imali esisigxina. Nangona sasinqwenela ukuba sifumane imali-mboleko yeminyaka eli-15 (sasisondele kakhulu ekuhlawuleni eGeorgia!), Asizange sicinge ukuba kuyasebenza ngokwasezimalini okanye kubukrelekrele kwimakethi yezindlu engazinzanga.
Sigqibe ukuhlawula i-3,600 yeedola ngenyanga — i-1 000 yeedola ngaphezulu ngenyanga kunaleyo besiyibhatala, kunye ne-2, 000 yeedola ngaphezulu kunokuba besimele ukuhlawula kwimali-mboleko yethu endala e-Atlanta. Asinakukwazi ukuphinda kabini ezi ntlawulo njengoko besenzile ngaphambili, ke sigqibe kwelokuba sibambelele kwintlawulo yemali mboleko ecwangcisiweyo-nangona sibala ukuba siza kuhlawula i $ 512,000 eyongezelelweyo ngenzala. Oku kwakusoyikisa njengoko konke kwakukukhulu kakhulu ukuhlasela ngokwezezimali kunokubambisa kwethu okokuqala ekhaya. Kodwa nangona ikhaya lalibiza kakhulu kunendlela esasiqhele ukuhlawula ngayo, saphinda sakhetha ukuthenga ikhaya elingaphantsi kwento eyayivunywe yibhanki kuthi, ngoko ke sasiba negumbi lokubhabha.
Xa uqoqosho lwadlakazela emva kweminyaka emihlanu, imakethi yezindlu yatshintsha kakhulu: Amanqanaba enzala ehle aya kuma malunga neepesenti ezi-2… kwaye ixabiso lendlu lehle nge-15 leepesenti. Sijonge ukujonga kwakhona ukuphinda sinciphise inzala yethu, kodwa ukuvavanywa kwakufuneka ngeendleko zokuvala ezikufutshane ne- $ 10,000. Sithathe isigqibo sokuba ayisebenzi kwaye imali ingatyalwa ngcono ekuhlawuleni inqununu.
Gcina Ncamathisela Bona eminye imifanekiso (Ityala lemifanekiso: Tanya Lacourse)
Ngena kwakhona
Ndiye ndaqala ke ukuphanda ezinye iindlela kwaye ndafumana inkqubo encinci eyaziwayo eya kuthi yenza into efanayo ngeedola ezili-100 kwimirhumo: Ukuhlaziya , okanye xa uhlawula isixa semali esikhulu kubambiso lwakho kwaye ichaphazela ngokuthe ngqo isixa semali. Ngelixa ixesha lemali mboleko linganciphisi, yonke intlawulo enkulu iya kwinqununu endaweni yomdla. Kwaye njengoko inzala yebhanki ibuye yehla kakhulu, siye saqonda ukuba sizakufumana imali engaphezulu kwimali-mboleko yethu kunokuba siyivumela ukuba ihlale ekongeni.
Ngombulelo, imboni yezobuchwephesha yayiqhuba kakuhle-kwaye umsebenzi womyeni wam wasinika iibhonasi zonyaka kunye nokukhethwa kwesitokhwe, kwaye sagqiba kwelokuba sisebenzise enye yale mali yongezelelweyo ukwenza into kwi-mortgage yethu. Emva kokubonisana negqwetha lethu lerhafu kunye nombolekisi, sithathe i-200,000 yeedola ebesiyigcinile kule minyaka idlulileyo kwaye saphinda sabuya: Imali yethu yenyanga yokuhlawula yehle ngesiqingatha!
Kwaye okwangoku, sasihlawula i $ 3,600 ngenyanga. Kwaye emva kweminyaka emibini yenzekile loo nto, umyeni wam wagxothwa emsebenzini kwaye wafumana ukonwatyiswa okukhulu. Ngombulelo, wayenomnye umsebenzi, kwaye sakwazi ukusebenzisa loo mali kunye nolunye ulondolozo ukuhlawula imali yokubambisa!
Ubomi emva koBambiso
Kodwa besingekahlali sikhululekile okwangoku: Nangona imali mboleko yethu ihlawulwe, imali yethu ekhayeni yayingaphantsi kunaleyo sasiyihlawule-kwaye kungathatha ishumi leminyaka elipheleleyo ngexabiso ukubuyela kwinto esasiyihlawule ngayo ( kwaye ndinombulelo, kuphela yiminyaka emibini kuphela kamva ixabisa i-100, 000 yeedola!) Kwaye ukusukela sinikezele ngemali yethu eninzi kulondolozo lwasekhaya, khange sibe nayo imali eninzi esandleni ngendlela ebesingathanda ngayo. Ke, kwingcebiso yethu yababolekisi, savula i-50, 000 ye-equity home line yekhredithi yokubonelela ngezixhobo ezithile zolwelo. Kwakufuneka sijonge indlela oku okuwachaphazele ngayo amanqaku ethu etyala kuba besingasenayo nayiphi na imali mboleko yenyanga (besingenazo iinowuthsi zemoto okanye iiakhawunti zerhafu ezijikelezayo). Nangona bekukho ukudipha kokuqala emva kwentlawulo, amanqaku ethu etyala akwazile ukusho kwii-800s ezisezantsi nangaphandle kwemali mboleko.
Kodwa konke, ndaziva ndikhululekile ukungabinaso uxinzelelo olukhulu lwentlawulo enkulu yenyanga-ngakumbi xa umyeni wam wayeka emsebenzini kwiminyaka embalwa kamva. Kusafuneka sihlawule irhafu kunye neinshurensi (malunga ne- $ 6,200 ngonyaka, esiyibhatala ngesixa-mali ekuqaleni konyaka-ayiyonto imnandi ukuyenza emva kweeholide). Kodwa sisiqabu esikhulu ukuba ne- $ 3,800 eyongezelelweyo inyanga nenyanga ukuyibeka kwezinye iinjongo zethu zokonga njengokucwangciswa kweekholeji, iiprojekthi ezinkulu zekhaya, ingxowamali engxamisekileyo kunye nokonga umhlala-phantsi. Kuyamangalisa ngokwenyani ukuba ungabambisa ngempahla nge-45 (endaweni yama-65, njengoko besilindele njalo ekuqaleni) kwaye kuyamangalisa ngokwenene ukubona ukuba sigcine malini!
