Ngaba kufuneka ndihlawule imali-mboleko yam ngo-2020?
Ngaba ucinga ukutyala imali kwipropathi oza kuyirenta okanye uyisebenzise njengekhaya leholide labanye abahambi? Inokuba ngumthombo othembekileyo wengeniso. Kodwa wazi njani ukuba ukulungele ukuba ngumninimzi?
Ipropathi yotyalo-mali yipropati yokwenyani ethengiweyo ukuvelisa ingeniso (oko kukuthi, ukufumana imbuyekezo kutyalo-mali) ngomvuzo wokurenta okanye ngoxabiso. Iipropati zotyalo-mali zidla ngokuthengwa ngumtyali-mali omnye okanye ngababini okanye iqela labatyali-mali kunye.
Iipropati zotyalo-mali zifuna umgangatho ophezulu kakhulu wozinzo lwezemali kuneendawo zokuhlala eziphambili, ngakumbi ukuba ikhaya licetywe ukuba liqeshelwe kubaqeshi. Uninzi lwababolekisi-mali lufuna ukuba ababoleki babeke ubuncinci i-15% yentlawulo kwiipropathi zotyalo-mali, into engafunekiyo xa kuthengwa ikhaya lokuqala. Ukongeza kwintlawulo ephantsi ephezulu, abanini beepropati zotyalo-mali abarenta kubaqeshi kufuneka babe namakhaya abo avunywe ngabahloli kumazwe amaninzi.
Qinisekisa ukuba unemali eyaneleyo kwibhajethi yakho yokuhlawula iindleko zokuqala zokuthenga ikhaya (ezifana nentlawulo ephantsi, ukuhlolwa, kunye neendleko zokuvala), kunye nokugcinwa okuqhubekayo kunye nokulungiswa. Njengomnini-mhlaba okanye umnini wendlu erentayo, kufuneka ufumane ulungiso oluyimfuneko lwenziwe ngexesha elifanelekileyo, nto leyo enokuthetha imibhobho yamanzi kaxakeka ebiza imali eninzi kunye nolungiso lwe-HVAC. Amanye amazwe avumela abaqeshi ukuba babambe iintlawulo zerenti ukuba awuzilungisi izixhobo zekhaya lakho ngexesha.
Tyala i-100 lamawaka okanye uhlawule imali-mboleko
Ngokubanzi, unokuthatha imali-mboleko yokuqala yokuthenga indlu okanye indawo yokuhlala, uhlaziye, wandise kwaye ulungise ikhaya lakho langoku. Uninzi lweebhanki lunomgaqo-nkqubo owahlukileyo kwabo baya kuthenga ikhaya lesibini. Khumbula ukubuza ibhanki yakho yorhwebo ngengcaciso ethile kule miba ingentla.
Ibhanki yakho iya kuvavanya amandla akho okubuyisela xa usenza isigqibo malunga nokufaneleka kwemali mboleko. Umthamo wentlawulo yentlawulo usekelwe kumvuzo wakho olahlayo/ongaphezulu kwenyanga, (osekelwe kwimiba enjengomvuzo wenyanga uwonke/ugqithiso lwenyanga kuthatyathwe iindleko zenyanga) kunye nezinye izinto ezifana nomvuzo weqabane, izinto zexabiso, amatyala, ukuzinza kwengeniso, njl. Eyona nto iphambili yebhanki kukuqinisekisa ukuba uyibuyisela kakuhle imali-mboleko kwangexesha nokuqinisekisa ukuba iyayisebenzisa okokugqibela. Okukhona uphezulu umvuzo wenyanga ofumanekayo, kokukhona uphezulu isixa apho imali-mboleko iya kufaneleka ngayo. Ngokuqhelekileyo, ibhanki ithatha malunga ne-55-60% yomvuzo wakho wenyanga olahlayo / i-surplus iyafumaneka ukuze uhlawule imali mboleko. Nangona kunjalo, ezinye iibhanki zibala ingeniso elahlayo yentlawulo ye-EMI ngokusekelwe kumvuzo opheleleyo womntu kungekhona umvuzo wabo.
Hlawula imali-mboleko
Kukho izinto ezininzi oza kufuneka uziqwalasele xa usenza isigqibo sokuba lingakanani ixesha ofuna ukulichitha ukuhlawula imali yakho yokubambisa. Kusenokubonakala ngathi isigqibo sakho kufuneka sisekelwe ngokungqongqo ekufumaneni elona zinga liphantsi lenzala kunye nentlawulo yenyanga, kodwa kukho ezinye izinto ekufuneka uziqwalasele - ezifana nendlela ophila ngayo, umvuzo kunye nohlahlo lwabiwo-mali - ezichaphazela ikamva lakho lezemali.
Enye indlela ethandwayo kwimali-mboleko esisigxina yeminyaka engama-30 yimali-mboleko yeminyaka eli-15 emiselweyo. Ababoleki abanexesha leminyaka eli-15 bahlawula ngaphezulu ngenyanga kunabo banexesha leminyaka engama-30. Ukutshintshiselana, bafumana inzala ephantsi, bahlawule ityala labo lendlu ngesiqingatha sexesha, kwaye banokonga amashumi amawaka eedola ubomi babo bonke bemali-mboleko.
Ukongeza kwimali-mboleko yemali emiselweyo, ababoleki banokuphinda bathathele ingqalelo imilinganiselo yokuthenga izindlu, ethandwa ngamaxabiso abo aphantsi enzala, ngakumbi ukuba abacwangcisi ukuhlala ekhaya ixesha elide.
Nangona imali-mboleko yeminyaka eyi-15 inokwenza ingqiqo ephepheni, isigqibo phakathi kwala magama mabini sixhomekeke kwimeko yakho. Kuya kufuneka uhlole iimali zakho kwaye ufunde malunga nokukwazi kwakho ukuqhubeka neentlawulo. Makhe sibone iingenelo zemigaqo yomibini yokubambisa.
Ukwiminyaka emingaphi kufuneka uhlawule imali-mboleko?
Emva kokuzinza kwikhaya okanye ukufumana ukuguquguquka okuncinci kwezemali, abaninimzi abaninzi baqala ukuzibuza, "Ngaba kufuneka ndenze intlawulo eyongezelelweyo ye-mortgage?" Ngapha koko, ukwenza iintlawulo ezongezelelweyo kunokonga kwiindleko zenzala kwaye kucuthe ubude bemali-mboleko yakho, ikusondeze kakhulu ekubeni ube nekhaya lakho.
Nangona kunjalo, ngelixa ingcamango yokuhlawula imali-mboleko yakho ngokukhawuleza kwaye uhlala kwikhaya lakho ngaphandle kwe-mortgage ivakala ilungile, kunokubakho izizathu zokuba kutheni ukwenza iintlawulo ezongezelelweyo kwinqununu kungabi nangqiqo.
"Ngamanye amaxesha kumnandi ukwenza iintlawulo ezongezelelweyo zokubambisa, kodwa akusoloko kunjalo," utshilo uKristi Sullivan weSullivan Financial Planning eDenver, eColorado. “Ngokomzekelo, ukuhlawula i-$200 eyongezelelekileyo ngenyanga kwimali-mboleko yakho ukuze uyithobe ukusuka kwiminyaka engama-30 ukusa kwiminyaka engama-25 kwindlu onokucinga nje ukuhlala kuyo eminye iminyaka emihlanu akuncedi. Uya kuyenza intlawulo eyongezelelweyo yenyanga kwaye awusoze ufumane inzuzo yayo ».
Nangona abaninzi bevuma ukuba uchulumanco lokuphila ngaphandle kokubambisa kuyakhulula, lunokuphunyezwa ngeendlela ezininzi. Ngoko wazi njani ukuba kuyavakala ukuba uqale ukuhlawula inqununu encinci kwinyanga nganye kwi-mortgage yakho? Kuxhomekeke kwimeko yakho yezemali kunye nendlela olawula ngayo iimali zakho ezinokuvela.
