Chowerengera chobwereketsa nyumba chazaka zopitilira 50s
Akuluakulu akuyenera kuyang'anitsitsa kwambiri akamafunsira ngongole yanyumba. Angafunike kupereka zolemba zina kuti zithandizire njira zosiyanasiyana zopezera ndalama (akaunti yopuma pantchito, mapindu a Social Security, annuities, pension, etc.).
Pakhoza kukhala mahoops ambiri oti mudumphe. Koma ngati ndalama zanu zili bwino ndipo muli ndi ndalama zolipirira ngongole yanyumba pamwezi, muyenera kukhala oyenerera kubwereketsa nyumba yatsopano kapena kukonzanso nyumba yanu.
Ngati wobwereketsa akupeza ndalama za Social Security kuchokera ku mbiri ya ntchito ya munthu wina, ayenera kupereka kalata ya mphoto ya SSA ndi umboni wa ndalama zomwe amapeza panopa, komanso kutsimikizira kuti ndalamazo zidzapitirira kwa zaka zosachepera zitatu.
Mwaukadaulo, ndizofanana ndi ngongole yanyumba. Kusiyana kokha ndi momwe wobwereketsa wobwereketsa amawerengera ndalama zomwe mukuyenerera. Ngakhale ngongoleyi ndi njira yabwino kwa opuma pantchito, aliyense atha kuyipeza ngati ali ndi ndalama zokwanira komanso maakaunti oyenera.
Mwachitsanzo, tiyerekeze kuti mwasunga ndalama zokwana madola milioni imodzi. Wobwereketsa agawa ndalamazi ndi 360 (nthawi yobwereketsa ngongole zanyumba zambiri) kuti apeze ndalama zokwana $2.700 pamwezi. Chiwerengerochi chimagwiritsidwa ntchito ngati ndalama zomwe mumapeza pamwezi pazomwe mukuyenera kubwereketsa.
Kodi ndingapeze ngongole yanyumba koyamba ndili ndi zaka 55?
Ambiri azaka 50 akudabwa ngati kwachedwa kwambiri kugula nyumba. Zaka zapitazo, yankho likanakhala kuti inde. Komabe, 74% ya aku America akukonzekera kugwira ntchito zaka zopuma pantchito, kutanthauza kuti adzakhala ndi zaka zambiri zopeza ndalama zogulira ngongole. Mfundo zina ziyenera kuganiziridwa kwa iwo omwe akufuna kudumpha kupita ku nyumba yatsopano.
Sikuti nthaŵi zonse n’kwanzeru kugula nyumba yaikulu imene mungakwanitse, makamaka ngati ana anu achoka kapena akukonzekera posachedwapa. Nyumba zazikulu sizingodula kutenthetsa ndi kuziziritsa, zimakhalanso zovuta kukongoletsa ndi kuyeretsa zipinda zambiri. Kumbali ina, nyumba yokulirapo imakupatsani malo okhala adzukulu paulendo wawo wausiku.
Kwa iwo omwe amagula nyumba m'zaka za m'ma 20 ndi 30, ngongole ya zaka 30 ndiyo njira yopezera ndalama zodziwikiratu, mwa zina chifukwa anthu omwe ali ndi zaka zambiri alibe ndalama zopangira malipiro apamwamba okhudzana ndi ngongole. Koma azaka 50 atha kusankha chiwongola dzanja chazaka 15, kuti atsimikizire kuti atha kubweza ngongoleyo akugwirabe ntchito.
Kodi ndingapeze ngongole yazaka 30 ndili ndi zaka 55?
Mapulani otulutsa equity amapezeka kwa eni nyumba azaka 55 ndi kupitilira apo, ndipo palibe malire azaka. Osati onse omwe amapereka ngongole kwa mibadwo yonse, koma mapulani ambiri amapezeka kwa ofunsira azaka zapakati pa 60 mpaka 85. Pazofunsira pamodzi, opereka adzalingalira zaka zonse ziwiri; mutha kutumiza ntchito imodzi ngati m'modzi mwa ofunsirayo ali wamng'ono kwambiri.
Ngati eni ake onse ali ndi zaka zosachepera 55, koma mukufuna kumasula zina mwazinthu zanu, mutha kutero kudzera muzinthu zina zachuma zomwe zimafuna kulipira pamwezi. Tidzasanthula zina mwa zosankhazi pambuyo pake, kuphatikiza kubweza ngongole.
Ngongole za moyo zimapezeka kwa obwereka azaka 55 ndi kupitilira apo. Palibe malire a zaka za ngongole zanyumba. Pa zaka 55, mukhoza kutsegula mpaka 27% ya mtengo wa katundu wanu, zomwe zimawonjezeka ndi chaka chilichonse muzaka. Chiwerengero chachikulu chomwe mungatulutse kunyumba kwanu ndi 58% kuyambira zaka 82.
Ngakhale ngongole ya moyo imapezeka ali ndi zaka 55, chiwerengero cha mapulani otulutsa ndalama chidzakhala chochepa. Momwemonso, kuchuluka kwa mapulani omwe akupezeka kwa omwe adzalembetse zaka zopitilira 85 nawonso ndi ochepa.
Kodi wazaka 60 akhoza kutenga ngongole yazaka 30?
Ngati muli ndi zaka zopitilira 50, mutha kuganiza kuti mwayi wanu wopeza ngongole ndi wocheperako, koma pali zinthu zambiri zobwereketsa ku UK zomwe ndi zotseguka kwa obwereka azaka 50 ndi kupitilira apo. Kapena mwina simunagulepo nyumba ndipo ndinu m'modzi mwa anthu 50+ ogula koyamba ... Kupeza ngongole ya 50+ ndikofala kuposa momwe mukuganizira, koma musanasainire mgwirizano mutha Kuchepetsa ndalama zanu zamtsogolo. , yesani zomwe mungasankhe, pezani ndalama zotsika mtengo kwambiri, ndipo perekani mgwirizano wanu ndi katswiri wodalirika Poganizira izi, bukhuli lapangidwa kuti lifotokoze momveka bwino komanso zomwe mukufunikira kuti mupange chisankho mwanzeru. kwa anthu azaka zopitilira 50.
Kaya mukufuna chiwongola dzanja chokhazikika, chiwongola dzanja chokha, kapena mukufuna kupeza ndalama zomwe muli nazo m'nyumba mwanu, pangakhale njira yothetsera kukuthandizani kuti mupeze ndalama zomwe mukufuna. ndi ndalama zotheka. Momwe mumasangalalira ndi ndalama zili ndi inu.
