Ndingayifumana imali-mboleko ngaphandle komsebenzi ukuba ndinogcino?
Izinga lokuthatha inxaxheba kwabasebenzi, elilinganisa inani labantu abakwiminyaka yokusebenza (abaneminyaka eyi-15 ukuya kwengama-64) abayinxalenye yabemi abasebenzayo, lilelona nqanaba lisezantsi ukususela kwiminyaka yoo-1970. Ngo-Agasti, i-4,3 yezigidi zabantu baseMelika bayishiya imisebenzi yabo, elona nqanaba liphezulu. inani kwiminyaka engama-21, xa i-US Bureau of Labor Statistics yaqala ukurekhoda le datha kwi-2000.
Kodwa kwenzeka ntoni ukuba abantu abashiye imisebenzi yabo bafuna ukuthenga ikhaya kwiinyanga okanye kwiminyaka ezayo, ngakumbi njengoko amaxabiso emarike yezindlu eqhubeka nokunyuka? Nangona amabali abantu abaye bashiya imisebenzi yabo baphendula lonke uluhlu lwezizathu, ezifana ukuba babediniwe ukusebenza kwiindawo zokutyela ngomvuzo ophantsi, ukuba bagqiba ekubeni ekugqibeleni bathathe umhlala-phantsi, ukuba bafumana imisebenzi engcono yokuhlawula okanye ukuba bafuna qala ishishini Ishishini elitsha. Nangona kunjalo, ayizizo zonke izilanduli ezenziwe zilingana emehlweni ababolekisi bezindlu.
Ekubeni kungasafuneki ukuba basebenze kwiofisi yesixeko esikhulu, abanye abasebenzi basekhaya bafudukela ngaphandle kwemimandla emikhulu yedolophu ukuze bafumane indawo engakumbi (yaye ngamanye amaxesha, ngeendleko eziphantsi) kwimimandla yasezidolophini nasemaphandleni. Abanye basenokugqiba kwelokuba lixesha lokuba balandele iphupha labo lobunini bamakhaya xa bejamelene nobhubhani oguqula ubomi.
Kuya kufuneka uqeshwe ixesha elingakanani ukuze ufumane imali-mboleko?
Ukuba isicelo sakho semali-mboleko siyakhatywa, kukho izinto ezininzi onokuzenza ukuze uphucule amathuba akho okuvunywa kwixesha elizayo. Sukungxama uye komnye umbolekisi, njengoko isicelo ngasinye sinokuvela kwifayile yakho yetyala.
Naziphi na iimali mboleko oye waba nazo kule minyaka mithandathu idlulileyo ziya kubonakala kwirekhodi yakho, nokuba uzihlawule ngexesha. Kusengabala ngokuchasene nawe, njengoko ababolekisi benokucinga ukuba awuzukwazi ukuhlawula uxanduva lokuba nemali-mboleko.
Ababolekisi abafezekanga. Uninzi lwazo lufaka idatha yesicelo sakho kwikhompyuter, ngenxa yoko awunakunikwa imali mboleko ngenxa yempazamo kwifayile yakho yetyala. Umbolekisi akunakwenzeka ukuba akunike isizathu esithile sokungaphumeleli kwisicelo sekhredithi, ngaphandle kokuba sinxulumene nefayile yakho yekhredithi.
Ababolekisi baneenqobo zokubhala phantsi ezahlukeneyo kwaye bathathele ingqalelo inani lezinto xa bevavanya isicelo sakho semali-mboleko. Zinokusekelwe kwindibaniselwano yobudala, umvuzo, ubume bengqesho, umlinganiselo wemali-mboleko-kwixabiso, kunye nendawo yepropathi.
I-Mortgage engaphantsi konyaka omnye wengqesho
Ukuba unomsebenzi wexesha elithile kwaye usebenza kuphela inxalenye yonyaka, unokuba nengxaki yokufumana imali-mboleko yokuthenga okanye ukuhlaziya ikhaya. Nokuba umsebenzi wakho ngowexesha lonyaka ngokwenyani, njengokulungisa igadi okanye ukususwa kwekhephu, okanye umsebenzi wethutyana owenza ngamaxesha athile, olu hlobo lomsebenzi lunokuchazwa njengesiqhelo.
Kuya kufuneka unikeze amaxwebhu, anje ngeefomu ze-W-2 kunye neembuyekezo zerhafu, ukuze ubonise kwi-inshurensi ukuba usebenzele umqeshi omnye - okanye ubuncinci usebenze kumgca omnye womsebenzi - kwiminyaka emibini edlulileyo. Umqeshi wakho naye kufuneka akunike amaxwebhu abonisa ukuba uya kuphinda akuqeshe kwakhona kwisizini elandelayo.
Ukuba namaxwebhu afanelekileyo kunokuba ngumahluko phakathi kokufaneleka kwi-mortgage okanye hayi. Phambi kokuba uqalise isicelo sakho semali-mboleko, qiniseka ukuba unee-W-2 zeminyaka emi-2 yokugqibela, iimbuyekezo zerhafu, iibhawuli, iziteyitimenti zebhanki, kunye nabo nabuphi na obunye ubungqina bentlawulo. Kuya kufuneka kwakhona unikeze isiqinisekiso esivela kumqeshi wakho sokuba uya kuqeshwa kwisizini ezayo.
Ngaba ndingayifumana imali yokubambisa ukuba ndiqale umsebenzi omtsha?
Kwabaninzi ababolekisi, enye yeemfuno zokuqala yimbali yomsebenzi weminyaka emibini engaguqukiyo, okanye iminyaka emibini kwishishini kubaboleki abaziqeshileyo. Ukuba awunayo iminyaka emibini yembali yomsebenzi kwaye ukhangele imali-mboleko, uya kufumanisa ukuba bambalwa ababolekisi abanokukunceda.
Imfuno yembali yomsebenzi iqhutywa nguFannie Mae kunye noFreddie Mac izikhokelo zokufaneleka kwimali-mboleko eqhelekileyo. Ababolekisi bemveli, njengebhanki onokuyifumana ebumelwaneni bakho, landela ezo zikhokelo.
Ukuba awunayo iminyaka emibini epheleleyo yembali yomsebenzi, unokufumana imali-mboleko yokuthenga ikhaya lamaphupha akho. Nangona kunjalo, kuya kuba ngenkqubo engeyiyo yendabuko. Kuya kufuneka ubonise ukuba uqeshiwe kwaye unomvuzo ozinzile. Makhe sikuncede ufumane umbolekisi oya kuvuma imali mboleko ngaphandle kweminyaka emibini yembali yomsebenzi.
Uninzi lwababolekisi-mali alukuvumeli ukuba ube nezikhewu emsebenzini ngaphandle kwengcaciso ebhaliweyo eyamkelekileyo. Umsantsa unokudalwa kukuphelelwa ngumsebenzi kunye nexesha elithathiweyo ukufumana umsebenzi omtsha. Isenokuba kukugula okanye kunyanyekelwa lilungu lentsapho. Kwezinye iimeko, i-gap yenziwa emva kokuba umntwana osanda kuzalwa eze emhlabeni. Ngokufuthi, isicelo semali-mboleko siyakhatywa ngenxa yokungabikho komsebenzi. Siyakwazi ukoyisa le ngxaki kwaye isicelo sakho semali-mboleko sivunyiwe.
