Malire obweza ngongole ndi zaka 35
Pamene mukuyandikira kupuma pantchito, kupeza ngongole kungakhale kovuta kwambiri, chifukwa obwereketsa ambiri ali ndi malire a msinkhu wapamwamba, kutanthauza kuti mapeto a ngongole yanu ya ngongole sangapitirire izi. Miyezo yofikirapo imatha kukhala yovuta. Apa tikufotokoza momwe mungapezere ngongole yatsopano, kaya mukufuna kusintha nyumba kapena kubweza nyumba yanu. Kubwereketsa kwa zaka 25 ali ndi zaka 50 sikungakhale mwayi.
Yankho lalifupi ndiloti inde, mutha kubwereketsa ngongole kuyambira zaka 50. Koma zimatengera obwereketsa omwe ali okonzeka kukupatsani ngongole. Alangizi a Mortgage Advice Bureau awonanso zangongole kuchokera kwa obwereketsa osiyanasiyana 90 kuti akupatseni upangiri woyenera.
Ngati mukufuna kubwereka ndalama kuti mubweze zonse, muli ndi mwayi wopeza ngongole yobwereketsa, popeza obwereketsa ambiri ali okonzeka kubwereketsa ngakhale mutapuma kale pantchito. Mukhozanso kulingalira za "ngongole za moyo wonse," zomwe zimakulolani kubwereka ngongole ndikuwonjezera zina kapena chiwongoladzanja chonse ku ngongole.
Obwereketsa ambiri ali ndi malire azaka zawo zogulira ngongole. Chiwongolero choyerekeza chopangira ngongole yobwereketsa ndi zaka 65 mpaka 80, ndipo malire a zaka zomaliza kubwereketsa azikhala pakati pa zaka 70 ndi 85.
Chowerengera chobwereketsa nyumba chazaka zopitilira 55s
Pamene avareji ya zaka za ogula nthawi yoyamba ikukwera, olembetsa obwereketsa ambiri amakhudzidwa ndi malire azaka. Ngakhale kuti msinkhu ungakhale chinthu chofunika kuchilingalira pofunsira ngongole yanyumba, sikuli chopinga m’pang’ono pomwe kugula nyumba. M'malo mwake, olembetsa omwe ali ndi zaka zopitilira 40 ayenera kudziwa kuti kutalika kwa ngongole yanyumba kuganiziridwa komanso kuti ndalama zomwe amalipira pamwezi zitha kuwonjezeka.
Kukhala woyamba kugula pazaka 40 sikuyenera kukhala vuto. Obwereketsa ambiri amalingalira zaka zanu kumapeto kwa nthawi yobwereketsa, osati poyambira. Izi ndichifukwa choti ngongole zanyumba nthawi zambiri zimaperekedwa kutengera zomwe mumapeza, zomwe nthawi zambiri zimatengera malipiro. Mukapuma pantchito mukulipira ngongole, muyenera kuwonetsa kuti ndalama zomwe mumapeza mutapuma pantchito ndizokwanira kuti mupitilize kubweza ngongoleyo.
Zotsatira zake, nthawi yanu yobwereketsa ingakhale yayifupi, yokhala ndi zaka 70 mpaka 85. Komabe, ngati simungathe kusonyeza kuti ndalama zomwe mumapeza mutapuma pantchito zidzakulipirirani ngongole zanyumba, ngongole yanu yanyumba ikhoza kutsitsidwa mpaka zaka zopuma pantchito.
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 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.
Kodi ndingapezeko ngongole ndili ndi zaka 47?
Kodi ndinu okonzeka kugulira nyumba? Kuti muyankhe funsoli, mungaganizire za ndalama zomwe mwasunga kuti muthe kulipira. Komabe, muyenera kuganiziranso kuchuluka kwa ndalama zomwe mumapeza. Obwereketsa amaganizira zonse zomwe muli nazo komanso ndalama zomwe mumapeza kuti zikuthandizeni kudziwa ngati mukuyenerera kubwereketsa nyumba. Ndalama zomwe mumapeza pamwezi, makamaka, zimalola obwereketsa kuti amvetsetse kuchuluka kwa ndalama zomwe mungabwezere pamwezi popanda mavuto azachuma.
Ndi zikalatazi, tiwona ngati ndalama zomwe mumapeza pantchito zakhazikika komanso zokhazikika kwazaka ziwiri komanso ngati zipitilirabe mtsogolo. Malingana ngati ntchito yanu yapano sikuwoneka ngati yanthawi yochepa komanso ilibe tsiku lomaliza, tidzaona kuti ntchito yanu ndi yokhazikika komanso yopitilira. Kaya mumalipidwa bwanji komanso kangati, tidzasintha zomwe mumapeza kuti muchepetse kukwera ndi kutsika. Ndalama zapachaka zimenezo zidzagawidwa ndi 12 kuti mupeze ndalama zanu pamwezi.
