Ugcine i-chunk yemali elungileyo, okanye ubuncinci usendleleni yokwenza njalo. Ngoku, usenokuzibuza ukuba yintoni engcono: Tyala imali kwizindlu nomhlaba okanye ubeke imali yakho kwimarike yemasheya?
Ngumbuzo onokuthi ulwe nawo kude kube esiphelweni kuba izinto ezininzi zidlala. Ukunceda ukumisela ingxoxo-mpikiswano kunye nokuboleka iingcebiso apha ngezantsi kukho uninzi lweengcali zezindlu nomhlaba. Nayi imibuzo emithandathu abacebisa ukuba uzibuze yona ukuba uphonononga ukhetho lwakho lotyalo-mali. ( Kwaye nje njengesikhumbuzo: ezi ngcebiso kufuneka zibe sisiqalo sencoko-ngaphambi kokuba wenze naziphi na izigqibo, qiniseka ukuba uthetha nengcali ukuze ubone ukuba yeyiphi esebenzayo kuwe! ):
1. Uyarenta ngoku?
Ithuba lokuqala lokuba ube nophahla phezu kwentloko yakho, kuya kufuneka wenze njalo, utshilo uMichael Tanney, umphathi olawulayo we-NYC Ukulawulwa kobutyebi beWanderlust . Ikhaya kufuneka libekeke ngokufanelekileyo. Ayenzelwanga ukuba ibe likhaya lakho laphakade.
Ubomi ngokuqinisekileyo buya kukuphosa ngee-curveballs, utshilo uTanney. Ke, ukuba nophahla phezu kwentloko yakho, ngentlawulo yemali mboleko onokuyifumana, iya kukuvumela ukuba ugxile koko kubalulekile kwimpilo yakho yengqondo nakwimpilo yakho yezemali, utshilo.
Ingelosi intsingiselo ye1010
I-caveat, nangona kunjalo: Ukuba uhlala kwindawo enje ngeSixeko saseNew York apho umlinganiso wokurenta ungaphumanga kwaye kungabizi kakhulu ukuqesha, akufuneki uzive unyanzelekile ukuba ube ngumnini, utshilo uTanney. Ucebisa ukuba ubeke imali kwirhafu nganye ngokungathi ubhatala imali mboleko kwaye le nxalenye ibekwa ngokuzenzekelayo kumhlalaphantsi okanye kwiakhawunti yotyalo mali inyanga nenyanga. Esi sicwangciso sokonga sinyanzelekileyo siya kukunceda ukuba udibanise imali yakho kwaye ukhule ubutyebi ngokuhamba kwexesha, uzimele kwindlela oqhuba ngayo uqoqosho okanye imarike yemasheya.
Ezantsi kwendlela, uyakuba neqanda elikhulu lokusetyenziselwa ukuthenga ikhaya, imfundo yabantwana, okanye umhlala phantsi, utshilo.
Idibeneyo: Iimpawu ze-9 Ukulungele ukuyeka ukurenta kwaye uthenge indawo yakho yokuqala
2. Ngaba ujonge ukwenza ikheshi ixesha elifutshane okanye ixesha elide?
Ukuba ujonge ukukhawulezisa ukonga kwakho ngokukhawuleza (kwaye kulungile ngomngcipheko othile), isitokhwe ngasinye sisenokuba yindlela yokuhamba. Ezi sitokhwe, zithengwe ngeakhawunti yomrhwebi, zingamanzi, oko kuthetha ukuba zingathengiswa kwaye ziguqulwe zibe yimali ngokukhawuleza, ngokungafaniyo nomhlaba nomhlaba, ibonisa URobert Taylor, I-flipper yendlu eSacramento, eCalifornia enamava njengomnini-mhlaba kunye notyalo-mali kwisitokhwe. Kwakhona, isitokhwe esemgangathweni ehlawula izabelo kulindeleke ukuba sikunike imbuyekezo engcono kuneakhawunti yokonga nebhanki yakho. Xa ulungele ukuthenga indlu yobuqu, ungathengisa enye yesitokhwe sakho kwaye uyisebenzisele ukuthenga ikhaya lakho lokuqala, utshilo.
Nangona kunjalo, ukuba ngaba kukugcina ixesha elide, njengokuthatha umhlala-phantsi, awukhangeli ukuba awudingi mali yangoku. Ukungenisa kwimali oyongele umhlalaphantsi ngaphambi kokuthatha umhlala-phantsi kuya kuza nesohlwayo se-IRS. Nangona kunjalo, kukho ubhetyebhetye ukuba uboleka kwingxowa-mali yakho yomhlalaphantsi ukuze uthenge ikhaya lakho lokuqala: Ungarhoxa kwi-401k yakho ngesohlwayo seepesenti ezili-10, uthathe imali mboleko yenzala ephantsi kwi401K yakho, okanye rhoxisa ukuya kwi-R10 000 kwiRoth IRA Isohlwayo (ukuba likhaya lakho lokuqala).
Ukuthengiswa kwezindlu sisicwangciso sexesha elide. Ungalindela ukuba ikhaya lakho okanye ipropathi ixatyiswe ngexabiso kancinci, utsho uMat Edstrom, igosa eliyintloko lentengiso le Imali mboleko yasekhaya yeGoodLife . Kufuneka uzilungiselele ukuhlala kweli khaya, okanye uyiqeshise kwaye uyilawule ngexesha lokuxabisa, utshilo.
333 intsingiselo kuthando
UElliot Bogod , Umlawuli olawulayo weBroadway Realty kwi-NYC, ucebisa ngokufumana iqela elomeleleyo ngolungelelwano: umrhwebi wezindlu nomhlaba, igqwetha lezindlu, umthengisi wezezindlu, kunye nengcali yetayitile yezindlu. Isicwangciso esiqhelekileyo? Ukusebenza neqela lakho ukutyala izindlu nomhlaba kwindawo ekhulayo, ngexesha lentengiso yomthengi xa amaxabiso esezantsi-kodwa zilungiselele ukulinda iminyaka embalwa ngaphambi kokuthengisa, uyachaza. Oku kunokuzisa imbuyekezo enkulu engenakuthengiswa kwimarike yesitokhwe, uyachaza. Kwaye, ewe, le ndlela ibandakanya umngcipheko wezezimali, ke qiniseka ukuba uthetha nengcali eqinisekisiweyo enokukunceda uthathe isigqibo sokuba le ndlela yeyona ilungileyo kuwe.
3. Yimalini ekufuneka uyityalile?
Ukongeza kwintengiso yemasheya engamanzi ngakumbi kunentengiso yearhente yokuthengisa izindlu nomhlaba, iifizi zentengiselwano zihlala ziphantsi, utsho UGary Beasley , umququzeleli we Yophahla , indawo yentengiso yokutyala imali kwicandelo lokurenta losapho olunye.
Kwakhona, ukuvula i-brokerage okanye iakhawunti yomhlala-phantsi kunye nokutyala imali kwisitokhwe akufuneki mali ininzi njengokwenza izindlu nomhlaba, utshilo u-Edstrom. Umtyalomali angangena kwimarike yemasheya ngemali encinci njenge- $ 100, utshilo.
Izitokhwe ziba bhetyebhetye ngakumbi kunearhente yokuthenga izindlu, ngenxa yoko inzuzo inokujikwa ngokukhawuleza kwisitokhwe, kodwa ngenxa yokuba zingazinzanga zinokuba yingozi kutyalo-mali olukhulu, utshilo uEdstrom.
Ukuba uzimisele ukufunda kwiindlela zeshishini kwaye wenze uphando lwakho, ukutyala imali kwimarike yemasheya kukutyala okuhle kubantu abaninzi, kumanqanaba amaninzi obomi, utshilo.
Ewe unokukwazi ukuboleka imali ngenzala ephantsi ukuze uthenge izindlu nomhlaba. Kodwa ukuba awunayo i-chunk enkulu yemali egcinelwe ukuhlawula, ukutyala imali yakho kunye nokubukela ukonga kwakho kukhula kunokuba yinto ebhetele ngoku.
Idibeneyo: Iindlela ezi-5 ezivunyiweyo zoMntu eziLondolozayo zokuGcinela iNtlawulo ePhantsi
4. Ngaba uyafuna izibonelelo zerhafu? Ngaba uyafuna ukwakha ikhredithi yakho?
Malunga nesicwangciso somhlala-phantsi, ii-401Ks zivelisa umyinge weepesenti ezintlanu ngonyaka, uyacacisa Inkundla yePoulos , umnini kunye nomthengisi kwi-ACME Real Estate eLos Angeles, California. Ngearhente yokuthengisa izindlu nomhlaba, ixabiso liyenyuka ngokuhamba kwexesha, kwaye, kwiimarike ezininzi, kakhulu ngakumbi kunepesenti ezi-5. Uthinta iintlobo zotyalo-mali kwincwadi yakhe entsha, Hlukala! Ngokuqeshisa kwakho.
Awunakuhlala kuyo kuphela, uyiqeshise, okanye uphakamise indawo oyithengayo, kodwa ufumana irhafu kunye nezibonelelo zetyala endleleni, utshilo.
Kodwa isitokhwe esifunyenwe kwiiakhawunti ezichazwe kwirhafu siza noncedo lwerhafu, utshilo uScott Cody, ingcali yengxowa mali eqinisekisiweyo kunye neqabane Iqela leMali leLatitude eDenver, eColorado. Ungathatha ukuncitshiswa kwerhafu kwimirhumo oyenzayo kwiiakhawunti ezithile zesitokhwe, kubandakanya oku kulandelayo: 401k, 403b, 457, IRAs, ukonga iikholeji izicwangciso ezingama-529, kunye neeAkhawunti zokuGcina ezeMpilo. Ngokubhekisele kwiRoth IRAS, awufumani kuncitshiswa irhafu, kodwa ukukhula kunye noxabiso kuyarhoxiswa irhafu kwaye ukurhoxiswa akukho rhafu.
Ngelixa indawo yokuhlala yokuqala inokulinda, kuya kufuneka uqale ukongela umhlala phantsi ngokukhawuleza, utshilo. Ngokufanelekileyo, ubuya kuqala emva kwesikolo samabanga aphakamileyo okanye kwikholeji-kodwa akukho xesha lingcono lokuqalisa kunangoku.
12:12 ingelosi
Enye into ekufuneka uyiqwalasele: Ubulumko ngetyala, a ubambiso ikuvumela ukuba useke imbali ende yekhredithi, kwaye ukwenza, ngexesha, ukuhlawulwa kwenyanga kunganegalelo kumanqaku awomeleleyo etyala.
5. Uceba ukufuduka kangaphi?
Zininzi izizathu eziqinisekileyo zokungathengi ikhaya. Ukuthenga ikhaya ayisiyiyo imali elungileyo kwabo bafuna ubhetyebhetye ebomini babo nakumakhondo okuhambisa iidolophu, ukutshintsha imisebenzi, okanye ukukhulisa iintsapho zabo, uyachaza uBeasley. Kukho iindleko zokuthengiselana ezinxulunyaniswa nokuthenga kunye nokuthengisa ikhaya, kunye nokuhamba, utsho. Ukuqeshisa kunokuba yinto efanelekileyo kubantu abangafuniyo ukwenza uhlahlo-lwabiwo mali okanye abaxakeke kakhulu kukukhathalela ipropathi, utshilo uBeasley.
Inxulumene: Ngaba kungcono ukuHlawula phantsi iMboleko-mali yakho ngokukhawuleza okanye utyalomali?
6. Ngaba unakho ukuguquguquka kwesisu?
Imakethi yokuthengisa izindlu nomhlaba izinzile ngakumbi kunentengiso yemasheya, utshilo uDaniela Andreevska, umlawuli wentengiso e Umashvisor, inkampani yokuhlalutya idatha yendawo yokuhlala. Ngelixa ngamanye amaxesha kukho amahla ndenyuka kwintengiso yezindlu, imeko yesiqhelo ihlala inyukile, utshilo. Nditsho nasemva kwengozi efana nale ka-2008, imakethi yokuthengisa izindlu nomhlaba inyanzelekile ukuba ibuye iphinde ibuye kwakhona, utshilo u-Andreevska. Abantu bayakuhlala befuna amakhaya ukuba bahlale kuwo, kwaye umhlaba uya usiba ngokuncipha ngakumbi nangakumbi.
Ngapha koko, iipropathi zokurenta zikuvumela ukuba wenze imali ngalo lonke ixesha elifutshane ngengeniso yerenti (ngenyanga) kwaye ekuhambeni kwexesha nangona uxabisa, uyacacisa.
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Isigwebo:
Ke tyala imali kwiarhente yokuthengisa izindlu nomhlaba okanye kwintengiso yesitokhwe? Kufana nokugqiba ukuba ingaba ipizza yabathandi benyama ingcono kune-veggie ephezulu-ixhomekeke kukhetho lwakho, izinto eziphambili, kunye nokufumaneka kufutshane nawe. Nokuba yeyiphi indlela, ayisosigqibo ofuna ukusenza wedwa-thetha nengcali yezezimali eyaziyo imeko yakho ukuze ubone ukuba yeyiphi na evakalayo kuwe nakwiinjongo zakho zexesha elifutshane kunye nexesha elide.
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