Uzama ukugcina iipesenti ezingama-20 ukubeka phantsi kwikhaya lakho lokuqala, kodwa ngaba uyazi ngqo ngoba uzabalazela loo mali? Nangona ungadingi ukubeka phantsi loo pesenti yexabiso lakho lokuthenga ukuze uthenge, iyanceda ngeendlela ezimbini eziphambili: Iyakongela imali ekuhambeni kwexesha ngokuphelisa inzala kwaye ikwenze ukuba ube ngumfaki-sicelo onomdla ngakumbi. Kwaye ngelixa konke oko kuvakala njengenjongo enkulu, kunokuziva kungenakwenzeka kwabaninzi. Kwaye ukuba ngaba ufumana iindlela zokonga loo mali, ngaba uya kuncama obunye ubomi obonwabisayo nobonelisayo?
Ngelixa iipesenti ezingama-20 ezantsi zinokubonakala ngathi yintlawulo esemgangathweni, ikude lee kuloo nto. Ngokwe- Umbutho weSizwe weeRealtors , kule minyaka mihlanu idlulileyo ngaphezulu kwama-70 eepesenti zabathengi bokuqala ekhaya (abangakhange bahlawule yonke imali) -kunye neepesenti ezingama-54 zabo bonke abathengi-benza intlawulo engaphantsi kwama-20 epesenti.
Yintoni ehamba nendlela yethu yokubetha le njongo yokonga? Ngokwengxelo efanayo ka-2017, izithintelo zokonga zahluka ngokwamaqela eminyaka. Phantse iipesenti ezingama-23 zabaphenduli abaneminyaka engama-36 nangaphantsi bathi ukongela ukuhlawula ezantsi yayingowona msebenzi unzima kwinkqubo yokuthenga amakhaya, uhlala ecacisa ukuba ityala lemali mboleko yomfundi liyababamba. Abaphenduli bakwalatha kwikhadi letyala kunye nemali mboleko yemoto njengezinto ezixhomis 'amehlo.
Kukho izizathu ezizizo zokuba kutheni abantu besithi kufuneka ujonge iipesenti ezingama-20, kodwa ndiyazi njengomthengi okokuqala, ininzi imali ngaphambili, utshilo uFarnoosh Torabi, intatheli yezemali, umphathi wepodcast Imali ke , kunye Chase Slate Ummeli wezeMfundo. Xa ubeka loo mali phantsi, uvavanyo lwakho lomngcipheko luyehla ngendlela elungileyo. Ngamanye amagama, awubonwa njengomngcipheko walowo ubolekayo njengomntu oneepesenti ezintlanu ezantsi.
Ukubeka iipesenti ezingama-20 kuthetha ukuba awuzukuhlawula i-inshurensi yabucala yemali mboleko (PMI) kwaye uya kufumana inzala engcono-izinto ezimbini eziza kukunika intlawulo ephantsi yenyanga yobambiso. Ukongeza, ukuba nezimali ezikhuselekileyo kuya kuhlala kuyenza mnandi ibhidi yakho yokukunceda ufumane ikhaya olifunayo.
Ukuba usacinga ukuba ingakanani imali ofuna ukuyibeka ekhaya, Nazi izinto eziluncedo ekufuneka uziqwalasele:
Gcina Ncamathisela Bona eminye imifanekiso (Ityala lemifanekiso: UDiana Liang )
Ziqhelanise nokuhlawula intlawulo yakho entsha yekhaya
Ukuba uza kuba nobambiso olungaphezulu kwendleko zerhafu yakho yangoku, zenze ngathi sele unayo loo ntlawulo yempahla, ucebisa uPaula Pant, umphathi we Ukuhlawula nantoni na ipodcast.
Beka loo ntlawulo (okanye umahluko phakathi kwerenti yakho yangoku kunye nemali-mboleko yakho yexesha elizayo) kwiakhawunti yokonga. Oko kuyakwenza ukuba uxelise amava okuba ubhatale imali enkulu yobambiso, kwaye uyabona ukuba amava anjani ebomini bakho, utsho uPant. Ukuba emva kwenyanga okanye ezimbini ucinga, 'Oku kubeka uxinzelelo. Imali eshiyekileyo ayixinile kakhulu. ’Emva koko, akukho monakalo ungabikho fa. Uqokelele ulondolozo olongezelelekileyo, utsho uPant. Sebenzisa loo mali kamva ukuhambisa kunye nokuhlawula iindleko, uyacebisa.
Gwema i-PMI ukulungiselela okungalindelekanga
Uninzi lwemali mboleko engahambelaniyo kunye nemali mboleko yesiqhelo engaphantsi kweepesenti ezingama-20 yokuhlawula iya kuthatha i-inshurensi yabucala (PMI). I-PMI ikhusela inkampani yokubambisa ukuba uyasilela kwimali mboleko yakho. I-PMI ihlala ixabisa phakathi kwe-0.5 kunye ne-1 yepesenti yayo yonke imali mboleko ngonyaka, ngokwe Utyalomali . Oko kuthetha ukuba kwimali mboleko eyi- $ 100,000 ungabhatala i- $ 1,000 ngonyaka- okanye i- $ 83.33 ngenyanga (ucinga ukuba yi-1 yepesenti yomrhumo we-PMI). Phinda kabini elo nani lenyanga ukuba imali mboleko yakho iyi- $ 200,000, njalo njalo.
Nangona i- $ 83.33 isenokungavakali kakhulu ngenyanga kuwe ngoku, awufanele uyiphawule indlela enokuthi izichaphazele ngayo iindleko zakho kwixa elizayo. Ungathini xa ufuna ukukhathalela ilungu losapho eligulayo, ngelixa ukhulelwe, kwaye imoto ifuna amavili amatsha, okanye, ukuba ulahlekelwe ngumsebenzi kwaye uphahla luqala ukuvuza? Yiloo nto indixhalabisayo malunga ne-PMI, ayisiyi- $ 80 ngenyanga, utsho uPant. Kuya kufuneka ucinge ngendlela onokuhlawula ngayo le ntlawulo yenyanga ngenyanga kule minyaka ili-15 okanye ingama-30 izayo njengoko usasaza zonke iintlobo zamaqhuqhuva endleleni — ngokwezezimali nangokobuqu.
Ukuthenga okukhulu kunye nokuzibophelela kwexesha elide akufuneki kusekwe ekubeni okanye hayi kule snapshot ngexesha unokuhlangabezana neentlawulo zenyanga, utshilo uPant. Isakhelo sobulumko sokwenza izigqibo siya kuba ukuba le nto uyithengayo yinto onokuhlala nayo iminyaka emininzi kwaye ifikeleleka ngokwaneleyo ukuba zinokubakho kwixesha elizayo.
Misela iinjongo zakho zokuhlawula ezantsi kunye nexesha
Cinga ngokusebenza nomcebisi wezezimali ngaphambi kokuba uqale ukukhangela ikhaya ukuze ufumane uncedo lokonga intlawulo ephantsi kwaye uqiniseke ukuba ufuna ikhaya onokulufikelela.
Xa abathengi bam bemileniyam beza kum kwaye sixoxa ngeenjongo zabo zobomi, ukuthenga ikhaya phantse kuhlala kuluhlu lweminqweno yabo, utshilo uZiyah Esbenshade, umcebisi wezezimali kwiPell Wealth Partners kwisiXeko saseNew York. Uyakusebenza nabathengi bakhe ngokwenza uhlalutyo olunzulu lwengeniso kunye nenkcitho yabo: Sichonga amathuba abo okonga intlawulo ephantsi, utshilo. Nje ukuba abathengi bam bachonge iipesenti ezingama-20 zokuhlawula njengeyona njongo, emva koko sijonge ukuphuma kwabo kwemali kwaye siyabona ukuba banokugcina malini ngenyanga, utshilo. Emva koko bamisela isahlulo sentlawulo yomthengi ukuba aye kwiakhawunti yangaphandle eyenzelwe le njongo kuphela.
Injongo isenokuba kukugcina loo mali kwisithuba seminyaka emithathu, utshilo u-Esbenshade. Nje ukuba senze isicwangciso sabo, abantu bayonwaba kakhulu ngayo kwaye xa ndidibana nabo emva konyaka, bathi, 'Andikholelwa ukuba yimalini ebendiyigcinele le njongo kwaye iziva ifikeleleka ngenene.' yebhongo apho, utshilo.
Gcina Ncamathisela Bona eminye imifanekiso (Ityala lemifanekiso: BONNINSTUDIO / Stocksy)
Phucula ikhredithi yakho
Ityala lidlala indima enkulu kwinkqubo yokuthenga ekhaya. Ndingacebisa ukuba uthathe ikhredithi yakho ngokungathí sina njengokulungela kwakho imali, utshilo uTorabi.
4:44 ingelosi
Ukuba amanqaku akho etyala angaphantsi kwe-stellar, ixesha olithathayo ukugcina ukuhlawula kwakho lixesha elihle lokulinyusa. Ayizukuqinisekisa kuphela ukuba ufumene imali mboleko, kodwa iya konga imali kwinkqubo. Ukuze ufumane elonaqondo liphantsi lenzala, ufuna ukuqiniseka ukuba unamanqaku aphezulu okuthenga ngetyala, utshilo u-Esbenshade. Andiqinisekanga ukuba leliphi inqaku oza kujolisa kulo? Jonga ukuba yintoni amanqaku etyala ayimfuneko ukuthenga indlu .
Qiniseka ukuba usenayo ingxowamali engxamisekileyo
Zonke iingcali zethu zacebisa ukuba ubuncinci iinyanga ezintathu 'zeendleko ezigcinwe kwingxowa-mali yakho yongxamiseko ngenxa yeziganeko ezingalindelekanga esikhankanye ngaphambili. Ndiyazi ukuba kukho abantu abathanda ukutyhala kancinci ...
UTorabi uyakuphawula oku, esongeza ukuba ucinga ukuba i-digitally-savvy millennials inokuba nethuba elingcono lokubuya emva kokudendwa, kwaye ubuncinci beenyanga ezintathu kunye nobuninzi beenyanga ezintandathu 'zeendleko zokuphila kulondolozo ziya kwanela.
Inqaku kwiindleko zobomi
Ngaphambi kokuba uthathe isigqibo sokuba leliphi na ikhaya oza kulithenga, cinga ngeminyaka emithathu, emihlanu, okanye elishumi ezayo enokukuzisela yona nosapho lwakho. Ngaba uyafuna ukuthatha ikhefu emsebenzini ukuze uhlale ekhaya nabantwana? Oko kuyakuba nefuthe kumvuzo wakho kunye nokwenza intlawulo yobambiso. Ngaba wena okanye iqabane lakho niceba ukubuyela esikolweni ngokusisigxina okanye ngokungesosigxina? Ngaba uya kuyidinga imoto entsha kungekudala? Yindleko leyo oya kuyidinga imali emva kokuba uvale kwikhaya lakho. Zonke ezi zizigqibo ezibalulekileyo ekufuneka uzithathele ingqalelo xa ucinga ukusebenzisa ulondolozo lwakho kunye nokwenza intlawulo ngenyanga.
Thenga indlu efikelelekayo phantsi kwemeko yokuba mnye kuphela umntu ofumana imali, iphakamisa iPant. Ngokwenyani yenza izinto ezimbini: Inye, ikunika ubhetyebhetye bokuba umzali omnye ahlale ekhaya. Okwesibini, ukuba uyaphula umtshato, uqhawule umtshato, emva koko kuphume umntu omnye ashiyeke nomnye umntu, yimeko enokwenzeka yokuba umntu ogqibela ngokugcina elo khaya akwazi ukuqhubeka nokuhlawula. loo ntlawulo.
Ngelixa le nzame isenokungabi yinto yokwenyani kuye wonke umntu othenga indlu ngokusekelwe kwingeniso ephindiweyo, ukuba ubeka isahlulo esiqinileyo somvuzo womntu omnye, uya kuba nokonga okuninzi xa omnye wenu efumana ilahleko yomsebenzi, efuna ixesha lokuya ukhathalele ilungu losapho eligulayo, funa ixesha elongezelelekileyo emva kokuba usana luzelwe, okanye uzilungiselele ngcono iindleko ezinkulu eziphoswa bubomi kuwe. Ngaba unemoto esemilenzeni yokugqibela? I-Pant icebisa ukuba uzibuze ukuba ungayenza na ukuba imoto isinde ngaphezulu konyaka omnye okanye emibini, emva koko yenza imoto ilungiswe ukuze ibaleke kwaye uzame ukuyenza ihlale ixesha elide ukuze usebenzise enye imali ekubhataleleni imali kwaye ufumane eyona nto ibambekayo unako. Ekugqibeleni, kuya kukunceda ukuba ulinde.
UTorabi uthi makuthathwe imali mboleko evumela igumbi lokuphefumla kuhlahlo-lwabiwo mali. Ubeka imali kwinto enethemba lokuba iya kuba yinto exabisekileyo ekuhambeni kwexesha, utshilo.
Gcina Ncamathisela (Ityala lemifanekiso: Unyango lweNdlu)
Kunqande ukucofa umhlala phantsi xa ufaka idiphozithi
UKUYA Ingxelo yakutshanje bafumanise ukuba isinye kwisithathu seminyaka engamawaka sithe baboleka ngokuchasene neeakhawunti zabo zomhlala-phantsi okanye barhoxa kwi-401 (k) yabo okanye kwi-IRA ukuze bafumane imali yokuthenga ikhaya.
I-IRS ivumela ukurhoxiswa okungahlawulelwanga i-IRA yokuthenga okokuqala ekhaya ukuya kuthi ga kwi-10,000 yeedola. Kwaye ukuba une IRoth IRA ubuncinci iminyaka emihlanu, unokuba nenkululeko ethe chatha; ungasoloko urhoxisa imirhumo yerhafu- kunye nesohlwayo, kodwa usabanjiwe kumda oyi- $ 10,000. Imali ingasetyenziselwa ukuthenga okokuqala ekhaya okanye iindleko zokuvala.
Nangona kunjalo, oku akusoloko kucetyiswa: Ndicinga ukuba ukurhola ukuya kuthi ga kwi-R $ 10,000 kwiRoth yakho yimpazamo enkulu, utshilo u-Esbenshade. I-Roth IRAs ifana nomgangatho wegolide kutyalo-mali, ngakumbi xa umncinci kuba imali ikhula ngaphandle kwirhafu ubomi bakho bonke, kwaye emva koko iphuma ngaphandle kwirhafu. Ukuba kuya kufuneka uchukumise iiakhawunti zomhlala-phantsi, ndicinga ukuba mhlawumbi ukuyenza ngendlela yemali mboleko kuya kuba lolona khetho lulungileyo. Kodwa eyona njongo kukuzama ukufumana loo ntlawulo ungakhange uthathe okanye wenzakalise umhlala-phantsi. Ingcebiso yakhe? Kungcono ukunyuka kwaye uhlawule i-PMI.
Cinga okokuqala ukuthenga imali mboleko ekhaya
Imboleko mali ye-Federal Housing Administration (FHA) yimali mboleko exhaswa ngurhulumente eyilelwe ukunceda abathengi bekhaya lokuqala abangenayo imali eninzi yokubeka phantsi amakhaya abo okanye abanokusokola ukufumana imali mboleko yesiqhelo. Ngemali mboleko ye-FHA, imfuneko yokuhlawula ezantsi yi-3.5 yepesenti yamanqaku etyala angama-580 nangaphezulu kunye neepesenti ezili-10 kumanqaku okuthenga ngetyala angama-500-579, ngokutsho kwinqaku BankRate.com . Uyakube uhlawula i-PMI ekhethekileyo-ebizwa ngokuba yi-FHA ye-inshurensi yempahla ye-inshurensi (MIP) -ngobomi bemali mboleko (ukuba ubeka ngaphantsi kweepesenti ezili-10 ezantsi), okanye iminyaka eli-11 (ukuba ubeka ngaphezulu kwepesenti ezili-10 ). Ungarhoxisa i-MIP, nangona uxhasa kwakhona imali mboleko yesiqhelo.
Nangona oku kunokubonakala ngathi kuninzi, eneneni lukhetho olufanelekileyo kwabaninzi. UTorabi uthi yindlela eyahlukileyo kubanini bamakhaya kubathengi bokuqala bengeniso ethile abafuna ukuba ngabanini bamakhaya kwaye mhlawumbi abanamali ingako ngaphambili ukuyenza. Nangona kunjalo, ezi kufuneka zithathwe kuphela xa ungazisebenzisi kakhulu xa kufikwa kumba wobambiso.
Yenza uphando lwakho, i-Ebenshade echoes. Ukuba ufanelekile kwimali mboleko ye-FHA kwaye unomsebenzi okhuselekileyo, unokukwazi ukuhlawula iindleko zakho zezindlu, kwaye ube nale ngxowa-mali yongxamiseko ibekelwe bucala, ndicinga ukuba kufanelekile ukuyiphonononga.
