Ngaba ndingakwazi ukuboleka imali xa ndingaphangeli?
Iindaba zigcwele amabali ababolekisi-mali abenza kube nzima kwabanye abantu ababolekayo ukufumana imali mboleko yezindlu. Kodwa nangona oku kuyinyani, ababoleki abaneemeko ezizodwa akufanele bathintelwe. Ababolekisi abaninzi basebenza nababoleki abangaqhelekanga ukubanceda ukuba bafumane imali yokubambisa.
Iqhinga kukuba umboleki kufuneka abonise imbali yeminyaka emibini yomsebenzi ngaxeshanye kuyo yonke imisebenzi. Umbolekisi uya kucela ii-W2 kunye neziqinisekiso kubo bonke abaqeshi kwiminyaka emibini edlulileyo, kwaye uya kufumana i-avareji yeminyaka emibini kuyo nayiphi na ingeniso evela kwimisebenzi emininzi.
Eyona nto ifunwa ngumbolekisi kukukwazi komboleki ukubamba imisebenzi emininzi ngaxeshanye. Ngoko awukwazi ukuphuma uye kufumana umsebenzi wesibini ngenyanga ngaphambi kokuba ufake isicelo semali mboleko kwaye ulindele ukuba loo nto ikuncede. Enyanisweni, inokukwenzakalisa. Umsebenzi wesibini ongenayo irekhodi njengoko umsebenzi omtsha uya kubonwa njengomngcipheko kumsebenzi oyintloko womfaki-sicelo, nto leyo eyingozi kwiintlawulo zabo zenyanga.
Ngenxa yokuba awusebenzi ngexesha lesicelo sakho semali mboleko, unokukufanelekela ukufumana imali yokubambisa. Yonke into ibonisa ukuba uya kubuyela emsebenzini xa kuqalisa ixesha lokuloba yaye uya kukwazi ukuqhubeka ehlawula iintlawulo zenyanga nangamaxesha onyaka aphantsi.
Indlela yokuthenga indlu ngaphandle komsebenzi kunye nekhredithi elungileyo
Ukuba ngoku unemali mboleko eqhelekileyo - exhaswa nguFannie Mae okanye uFreddie Mac - kwaye awuphangeli, uya kufuna ubungqina bengqesho entsha kunye nengeniso yexesha elizayo ngaphambi kokuba uhlawule imali mboleko yakho.
Nangona kunjalo, kusafuneka uhlangabezane nomgaqo wembali weminyaka emibini. Ukuba umsebenzi wexeshana unokubhala ukuba ebesoloko efumana iintlawulo zokungaphangeli ubuncinane iminyaka emibini, oku kunokuqwalaselwa xa kusenziwa isicelo semali-mboleko.
Ngelixa ingeniso yokungaphangeli inokulinganiselwa kwiminyaka emibini edlulileyo kunye nonyaka ukuya kuthi ga ngoku, umbolekisi kufuneka aqinisekise ingeniso evela kumsebenzi okhoyo kwintsimi enye. Oku kuthetha ukuba kufuneka uqeshwe ngexesha ofaka ngalo isicelo.
Ukuze oku kusebenze, iintlawulo zakho zenyanga zokukhubazeka—nokuba ziphuma kwipolisi yakho yeinshorensi yokukhubazeka yexesha elide okanye kuKhuseleko lweNtlalo—kufuneka zicwangciselwe ukuqhubeka ubuncinane iminyaka emithathu engakumbi.
Kwakhona, kuya kufuneka ubonise ukuba iintlawulo zenyanga zicwangciselwe ukuqhubeka iminyaka emithathu ngaphezulu. Kusenokufuneka ubonise ukuba ubufumana iintlawulo rhoqo kule minyaka mibini idlulileyo.
umsebenzi wokubambisa
UCarissa Rawson yingcaphephe yezemali kunye nekhadi letyala elithe yavezwa kwiincwadi ezininzi ezibandakanya iForbes, iBusiness Insider, kunye neThe Points Guy. UCarissa uphumelele kwiKholeji yoMkhosi yaseMelika kwaye une-MBA kwiYunivesithi yaseNorwich, i-MA evela kwiDyunivesithi yase-Edinburgh kwaye ngoku uqhuba i-MFA kwiYunivesithi yeSizwe.
Ababolekisi bajonge utyalo-mali oluluqilima xa bevuma ukubambisa, ngoko ke uya kujongana neemfuno ezingqongqo zamaxwebhu kunye novavanyo olungqongqo lwengeniso emva kokuba ufake isicelo. Ngaba ungafumana imali mboleko ngaphandle komsebenzi? Impendulo nguewe, kodwa kuya kufuneka uhlangabezane nezinye iindlela ukuze oku kusebenze.
Kukho iintlobo ngeentlobo zeemali zokubambisa ezifumanekayo kuhlobo ngalunye lomthengi. Iimfuno ezikhethekileyo ziyakwahluka ngokuxhomekeke kwimali-mboleko oyifunayo, kodwa umvuzo yinqobo elinganayo yokuvunywa. Oko kwathiwa, kusenokwenzeka ukuba ufumane imali-mboleko ngelixa ungaphangeli; Iibhanki zinako kwaye ziya kuthathela ingqalelo iindlela ezingezizo ezemveli zokuxhasa ngemali mboleko yakho.
I-Mortgage ngaphandle kweminyaka emi-2 yembali yomsebenzi
Umsayinisi ngumntu ovuma ngokwesivumelwano ukuhlawula ityala ukuba umenzi-sicelo uyasilela. Isenokuba ngomnye wabazali bakho okanye iqabane lakho. Kuya kufuneka baqeshwe okanye babe neneti ephezulu.
Umvuzo ongenzi nto unokuvela kwipropathi erentwayo okanye kwishishini ongabandakanyekanga kulo. Eminye imizekelo yengeniso ye-passive yi-dividends, ingeniso yerenti, ii-royalties, i-alimony, kunye neminye.
Ukuba uphelelwe ngumsebenzi, ungazama ukunika umbolekisi ngembali yakho yengqesho kwaye ubazise ukuba ufuna umsebenzi ngenkuthalo. Kuya kufuneka kwakhona ubonise enye imithombo yengeniso okanye idiphozithi egcinwe njengobungqina bokuba unako ukuhlawula iintlawulo.
“…Ukwazile ukusifumana ngokukhawuleza kunye nobuncinci bengxabano yemali mboleko ngexabiso lenzala elungileyo xa abanye besixelela ukuba kuya kuba nzima kakhulu. Ndichukumiseke kakhulu yinkonzo yabo kwaye ndingacebisa kakhulu iiNgcali zeMali mboleko kwixa elizayo”
“… benze isicelo kunye nenkqubo yolungiso lwaba lula kakhulu kwaye bangenaxinzelelo. Banikezela ngolwazi olucacileyo kwaye bakhawuleza ukuphendula kuyo nayiphi na imibuzo. Bezicace kakhulu kuzo zonke iinkalo zenkqubo.”
