Kutheni le nto obolekiso obuqhelekileyo buhlala iminyaka engama-30?

Fumana Inombolo Yakho Yengelosi

Ukrwitshile, wagcina, kwaye wachitha ixesha elininzi kwiZillow kunokuba ungakhathalele ukuveza, kwaye ukulungele ukongeza umnini khaya kuluhlu lwakho lwezinto ezifezekileyo. Ngoku, ukukhetha ubambiso olufanelekileyo kuwe. Xa kuziwa kwiinkqubo zemali mboleko emiselweyo, kukho iindlela ezininzi-ukusuka kwiminyaka emihlanu ukuya kwengama-50. Kodwa yimali-mboleko yeminyaka engama-30 eye ithandwa kakhulu phakathi kwamaMelika amashumi eminyaka.



UAlex Daniel , umbolekisi wemali-mboleko esekwe eLos Angeles kunye nomtyali mali wezindlu, uthi, ebusaneni babo, imali mboleko ibithethwa njengezibophelelo zexesha elifutshane. Ngapha koko, imali-mboleko ye-VA yavela njengemali mboleko yeminyaka engama-20, kodwa yandiswa yaya kwiminyaka engama-30 ngenxa yokuba imali mboleko yoqobo yenze ukuba amaxabiso ezindlu afikeleleke.



Ixesha leminyaka engama-30 lavela ngenxa yokuba ixesha liphela, intlawulo isezantsi, utshilo uCasey Fleming, umcebisi wezemali e-California esekwe kwiC2 Financial Corporation kunye nombhali we Isikhokelo seMali-mboleko: Ungayifumana njani eyona Mboleko mboleko inokwenzeka. Kwaye, iminyaka emininzi, i-30 yayilelona xesha liphezulu- kwaye ke eyona ntlawulo iphantsi. Ekugqibeleni, iminyaka engama-40 yangena kwintengiso, kwaye ke nakwiminyaka engama-50 okwexeshana, kodwa umahluko wentlawulo wawumncinci kakhulu phantse akukho mntu wakhetha iminyaka engama-50.



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Nangona umgaqo wawuphantsi kwiminyaka engama-40 okanye engama-50, inzala kubude bekota yaqhuba iintlawulo. Ke ngenxa yokuba yayiludibaniso olulungileyo lwenzala esezantsi kunye nenqununu esezantsi, iminyaka engama-30 yemali mboleko ebambekile.

Iminyaka engamashumi amathathu yayiliqikelelo olusengqiqweni lokuba abantu basebenza ixesha elingakanani, ke imali mboleko inokuhlawulwa ngaphambi okanye kumhlala phantsi, utshilo uDaniel. Ababoleki bayakwazi ukuba nenqanaba eliqingqiweyo kunye nentlawulo esezantsi isasaze ixesha elide.



Kwakhona, ngokukaDaniel, i-30 yeminyaka yobambiso lwemali mboleko ihlala kulula ukuyilungela kwaye iqondwe ngcono kunezinye iindlela.

Ukubolekwa kwemali kweminyaka engama-30 kunereyithi emiselweyo yekota yonke, enika umntu ukhuseleko lokwazi ukuba intlawulo yabo iyakuba yeyiphi iminyaka engama-30, utshilo. Ikwakunika intlawulo ephantsi kunemali-mboleko yeminyaka eli-10 okanye eli-15 ngenxa yokuhlawulwa kwamatyala ngaphezulu kweminyaka engama-30. Ukuba amaxabiso ayenyuka, ufuna ukuba ireyithi yakho imiswe, ngenxa yoko ayonyuki.

UJesse Gonzalez, umongameli kunye nomrhwebi werekhodi e Inkulumbuso yaseNyakatho Bay , yongeza ukuba iminyaka engama-30 yokubolekwa kwemali iyathandwa kuba ukubheja okukhuselekileyo kwaye abantu bahlala bengafuni ukungcakaza nethuba lokutshintshwa kwinqanaba lokunyuka.



Abantu abaqinisekanga kakhulu ngeenjongo zabo zexesha elide, kodwa abafuni uxinzelelo lokwazi ukuba kufuneka baphinde bahlaziye kwiminyaka eliqela, utsho. Nangona kuphela iipesenti ezi-0.5 zamakhaya aseMelika ahlawula iminyaka engama-30 yemali-mboleko ehlawulwayo engama-30 ngokuhlawula rhoqo ngenyanga, kusenjalo abantu bafuna.

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Esinye isibonelelo semali-mboleko yeminyaka engama-30, uGonzalez wongeza, kukuba awunyanzelekanga ukuba ukhathazeke malunga nokuphinda uxhase imali kwixa elizayo xa amaxabiso asenokuba phantsi okanye amaxabiso aphezulu.

Uqinisekisiwe ngentlawulo ethile ngaphezulu kwexesha elimiselweyo kwaye unokuseta izicwangciso zakho zexesha elizayo, utshilo uGonzalez.

Kodwa ayinguye wonke umntu othanda imali-mboleko yeminyaka engama-30. Kwicala elisezantsi, uJeff Onofrio, umlawuli olawulayo wolungiso, ulwakhiwo kunye nemveliso yesizwe esekwe eNew Jersey Imali mboleko inokwenzeka , uthi eyona ntsilelo inkulu kwisithuba seminyaka engama-30 sisixa senzala oyakuyibhatala — athi, inokuba ngamakhulu ambalwa amawaka eedola kuxhomekeke kubungakanani bemali mboleko.

Nangona kunjalo, uyongeza, kukho iindlela zokulwa umdla, njengokwenza iintlawulo ezimbini ngeveki okanye ukuthenga ixabiso lenzala ze uhlawule kwangaphambili inzala. Oku kunokugcina amashumi amawaka eedola.

UGonzalez uyavuma, eqaphela ukuba uya kuhlawula umyinge ophezulu kwiminyaka engama-30 yemali-mboleko emiselweyo xa kuthelekiswa nenqanaba elinokuhlengahlengiswa, kwaye ke uya kuhlawula inzala engaphezulu. Kwaye, uyongeza, iimeko zaBantu ziyatshintsha, ityala liyawafumba okanye kungafuneka baphakamise okanye banciphise, kwaye ngesiqhelo baya kugqiba ukuphinda baxhase imali kwiminyaka engama-30 emiselweyo.

U-Lesley Kennedy

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