Malire obweza ngongole ndi zaka 35
"Tsopano akukhala m'nyumba yamaloto awo, pafupi ndi banja lawo, adasunga ndalama zawo zopuma pantchito, ndipo sakuyenera kulipira ngongole yanyumba akukhala m'nyumbamo. Ndicho chifukwa chake banja lazaka 62 limeneli linaganiza zopeza ngongole panthaŵi imeneyi ya moyo wawo,” akutero Bill Parker, woyambitsa ngongole wamkulu ku Wallick & Folk Inc. ku Scottsdale, Arizona.
Okalamba amatha kubwereketsa nyumba ngati wina aliyense - zimatengera ndalama zomwe amapeza, ngongole, komanso ndalama zomwe zilipo. Ngakhale achikulire azaka zopitilira 90 atha kubwereketsa nyumba ngati akwaniritsa zofunikira zachuma.
Ziribe chifukwa chake, okalamba ndi ochuluka kuposa okhoza kupeza ngongole yanyumba. Malinga ndi Federal Trade Commission (FTC), okalamba amatetezedwa ku tsankho akalandira ngongole yanyumba kapena mtundu uliwonse wangongole malinga ndi msinkhu wawo. Ili ndi lamulo la Equal Credit Opportunity Act, lamulo la feduro lomwe limateteza obwereka ku tsankho chifukwa cha msinkhu, mtundu, mtundu, chipembedzo, kugonana, dziko, momwe alili m'banja, ngakhale kulandira thandizo la anthu.
Kodi mungapezeko ngongole ndi penshoni ku UK?
Akuluakulu akuyenera kuyang'anitsitsa kwambiri akamafunsira ngongole yanyumba. Mungafunike kupereka zolemba zina kuti zithandizire magwero anu osiyanasiyana a 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 wobwereka akulandira ndalama za Social Security kuchokera ku mbiri ya ntchito ya munthu wina, adzafunika kupereka kalata ya mphoto ya SSA ndi umboni wa risiti yamakono, 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.
Zaka zofikira kubwereketsa ku UK
Mukakwanitsa zaka 50, zosankha zanyumba zimayamba kusintha. Izi sizikutanthauza kuti sizingatheke kugula malo ngati muli ndi zaka zopuma pantchito kapena pafupi ndi zaka zopuma pantchito, koma ndikofunikira kumvetsetsa momwe zaka zingakhudzire ngongole.
Ngakhale ambiri obwereketsa nyumba amaika malire azaka zambiri, izi zimatengera yemwe mumayandikira. Kuphatikiza apo, pali obwereketsa omwe amakhazikika pazogulitsa zanyumba zapanyumba, ndipo tabwera kuti tikulozereni njira yoyenera.
Bukhuli lifotokoza momwe zaka zimakhudzira kubwereketsa nyumba, momwe zosankha zanu zimasinthira pakapita nthawi, komanso chidule chazinthu zapadera zanyumba zopuma pantchito. Maupangiri athu okhudza kutulutsidwa kwachuma komanso ngongole zanyumba zamoyo ziliponso kuti mumve zambiri.
Mukakula, mumayamba kuyika chiwopsezo chachikulu kwa obwereketsa nyumba wamba, chifukwa chake zimakhala zovuta kubwereketsa m'moyo wanu. Chifukwa chiyani? Izi nthawi zambiri zimakhala chifukwa cha kuchepa kwa ndalama kapena thanzi lanu, ndipo nthawi zambiri zonse ziwiri.
Mukapuma pantchito, simudzalandiranso malipiro anthawi zonse kuchokera ku ntchito yanu. Ngakhale mutakhala ndi penshoni kuti mubwererenso, zingakhale zovuta kuti obwereketsa adziwe zomwe mudzalandira. Ndalama zomwe mumapeza zitha kuchepa, zomwe zingakhudze luso lanu lolipira.
Kodi ndingapeze ngongole yanji?
Osadandaula za wobwereketsa. Lamulo limodzi logwira ntchito, mosasamala kanthu za msinkhu: Malingana ngati malipiro anu a ngongole sapitirire 45% ya ndalama zonse zomwe mumapeza, muyenera kuzipeza. Ndipo popeza Social Security ndi ndalama zapenshoni - zomaliza mpaka malire a federal a $4653,41 pamwezi mchaka cha 2012 - ndizomwe zili pafupi kwambiri ndi chinthu chotsimikizika masiku ano, wobwereketsa akuyenera kutsimikiziridwa. mwadzidzidzi nthawi iliyonse.
Zimangochitika kuti ndingakhale mumkhalidwe wofananawo. Ine ndi mkazi wanga tinali ndi ngongole ya 7/1 yomwe inakonza chiwongoladzanja kwa zaka zisanu ndi ziwiri kenako ndikusunthira kumtengo wosinthika, komwe ndi komwe tili tsopano. Chifukwa chake takhala tikuganiza zosamukira kuzaka 30 zokhazikika. Kunena zoona, za msinkhu zinali zisanandichitikirepo, koma ndikuganiza kuti mwina ndi chifukwa cha kusakhwima kwanga kodzipereka.
Ndikaganizira njira zina zobwereketsa nyumba, chachikulu ndi nthawi yomwe timakonzekera kukhala m'nyumba yathu yamakono. Ichi ndichifukwa chake sindinapemphe kubwezanso ndalama kwazaka 30 pafupifupi $300.000 yomwe yatsala pa ngongole yathu yanyumba.
