Ngongole ndi 50% ya malipiro onse
Tsitsani Acrobat Reader 5.0 kapena apamwamba kuti muwone mafayilo a .pdf. Tsekani Kubanki PaintanetiMwalandiridwanso! Lowani muakaunti yanu.UsernameLog inIwalani mawu achinsinsiLembani Tsekani KusakaKodi tingakuthandizeni kuti mupeze chiyani?Sakani Tsamba Loyambira Sakani Kusunga kuyenera kukhala ndalama zanu zambiri
Zikafika pamaakaunti osungira ku West Virginia, zikuwoneka ngati aliyense ali ndi njira kapena dongosolo lomwe amati ndilobwino. Kuchokera pakusunga gawo lokhazikika la ndalama zanu mwezi uliwonse kutengera kuchuluka kwa ndalama zomwe muyenera kuziyika pazaka zanu kapena nthawi yomwe mumakhala nayo mpaka mutapuma pantchito, zotheka - ndi malingaliro - ndizosatha.
Nachi chitsanzo chodziwika. M'buku la "All Your Worth: The Ultimate Lifetime Money Plan," Senator waku US komanso pulofesa wakale wa Harvard Elizabeth Warren adapanga dongosolo la 50/30/20, lomwe limalimbikitsa anthu aku America kuti agawane ndalama zawo zokhoma msonkho mu ndowa zazikulu zitatu.
Kumbali inayi, oyang'anira ndalama a Fidelity amalimbikitsa kuti osachepera kamodzi malipiro anu asungidwe kuti mupume pantchito ali ndi zaka 30, katatu malipiro ali ndi zaka 40, kasanu ndi kawiri malipiro ali ndi zaka 50, kasanu ndi katatu malipiro anu ali ndi zaka 60 ndi nthawi 10 malipiro opulumutsidwa ali ndi zaka. 67.
chiwongola dzanja
Chiwongola dzanja ndi mtengo womwe bungwe limapereka pandalama zobwereka. Chiwongola dzanja ndi ndalama zosagwira ntchito zomwe zimawonekera pa ndondomeko ya ndalama. Amayimira chiwongola dzanja chomwe chiyenera kulipidwa pa ngongole iliyonse - ma bond, ngongole, ngongole zosinthika kapena mizere yangongole. Imawerengeredwa ngati chiwongola dzanja pamtengo wotsalira wangongole. Chiwongoladzanja cha chiwongoladzanja cha chiwongola dzanja chimayimira chiwongola dzanja chomwe chapezeka panthawiyo, osati kuchuluka kwa chiwongola dzanja chomwe chinaperekedwa panthawiyo. Ngakhale ndalama zomwe zimawononga chiwongola dzanja zimachotsedwa msonkho kumakampani, ngati munthu ali ndi udindo womwe ali nawo komanso cholinga cha ngongoleyo.
Kwa anthu ambiri, chiwongola dzanja chanyumba ndi gawo lalikulu kwambiri la chiwongola dzanja cha moyo wonse, chifukwa chiwongola dzanja chimatha kufika madola masauzande ambiri pa moyo wangongole, monga momwe zikuwonetsedwera ndi zowerengera zapaintaneti.
Chiwongola dzanja chimawonekera ngati chinthu chomwe chili patsamba lakampani, chifukwa nthawi zambiri pamakhala kusiyana pakati pa chiwongola dzanja ndi chiwongola dzanja choperekedwa. Ngati chiwongola dzanja chawonjezeka koma sichinalipidwe, chiwonekera mu gawo la "current liabilities" la balance sheet. M'malo mwake, ngati chiwongoladzanja chalipidwa pasadakhale, chidzawonekera mu gawo la "current assets" monga chinthu cholipidwa pasadakhale.
Ndi magawo anji amalipiro omwe amayenera kupita kubwereketsa ku Australia
Kuwulura: Tsambali lili ndi maulalo ogwirizana, zomwe zikutanthauza kuti timalandira ntchito mukadina ulalo ndikugula zomwe talimbikitsa. Chonde onani ndondomeko yathu yowulula kuti mumve zambiri.
Kusunga ndalama zokwanira kugula nyumba kungawoneke kosatheka. Koma ndi ndondomeko yolimba yosungira, aliyense akhoza kusunga ndalama zokwanira kuti alipire panyumba yamaloto awo. M'malo mwake, mutha kukhala pafupi kukhala ndi ndalama zomwe mukufuna kuti muthe kulipira popanda kuzindikira. Ndipo ngati sichoncho, pali njira zingapo zosavuta zomwe mungagwiritse ntchito kuti kusungitsa nyumba kukhala kosavuta.
Kukhala ndi ndalama m'manja ndikofunikira kwa iwo omwe akufuna kugula nyumba, koma ndi ndalama zingati zomwe ndizofunikiradi? Ogula ena amakhulupirira kuti sangathe kugula nyumba chifukwa sangakwanitse kubweza 20%. Chowonadi ndichakuti obwereketsa ambiri safunanso kubweza 20%. Ndiye mumafunika ndalama zingati kuti muthe kulipira? Izo zikhoza kukhala zochepa kuposa zimene inu mwatsogozedwa kukhulupirira.
Kutengera ndi ngongole yanu ndi ndalama zomwe mumapeza, mutha kubwereketsa wamba ndi 3% yotsika. Ngati mukuyenerera ngongole ku United States Department of Agriculture (USDA) kapena Department of Veterans Affairs (VA), mutha kugula ngakhale nyumba osalipira. Pakadali pano, Rocket Mortgage® sapereka ngongole za USDA.
kuchuluka kwa ndalama zogulira nyumba uk
Chimodzi mwazinthu zovuta kwambiri pakugula nyumba koyamba ndikulandila malipiro. Mwinamwake mwamvapo kuti kugula, muyenera kukhala ndi 20% ya mtengo wonse wa nyumba yosungidwa kuti muthe kulipira. M'malo mwake, mutha kusankha kuchuluka kwa ndalama kuti muyike kutengera zomwe zikugwirizana ndi vuto lanu. Komabe, kusunga ndalama zokwanira 20 peresenti yolipira kungakhale kovuta, makamaka kwa ogula nyumba koyamba.
Kusankhira Malipiro Oyenera Pansi Panu Pali njira ziwiri zofunika kupanga chisankho chobweza. Choyamba, ganizirani kuchuluka kwa ndalama zomwe mungakwanitse kulipira. Chachiwiri, yang'anani njira zangongole ndi obwereketsa kuti mudziwe momwe kulipira komwe mwasankha kumakhudzira mtengo wanu wonse.
