Funda indlela Ipropati yeNgeniso engakhokelela kwi-Big Money kwi-akhawunti yakho yebhanki
Nazi izizathu ezihlanu zokuba kutheni inzala yengeniso ingaba yintalo-mali.
1. Uyi-Boss yePropati yeNgxowa-mali
Xa unquma ukutyalomali kwimpahla yengeniso, uba ngumphathi wakho. Ukhetha ukuba yeyiphi ipropati ekutyalomali kuyo , yiyiphi umnini-mali oya kurenta kuyo , ingaba uza kuhlawulisa kangakanani kwirente kunye nendlela oza kulawula ngayo nokugcina ipropathi ngokubanzi.
Ngomsebenzi ophakathi kwe-9 ukuya ku-5, uxhomekeke kwiminqweno yomphathi wakho kunye neziseko zenkampani ngokubanzi, njengokunamathela kwikhowudi yokugqoka. Njengomphathi wakho, unokuvuka ngo-11 ekuseni kwaye ugqoke i-Kermit ye-Frog tie ukuba ukhetha.
Esitokisini okanye i-collective fund ngumnye umzekelo. Nangona unokukhetha ukuba yeyiphi i-stock okanye isikhwama sokubambisa imali ekutyala kuyo, uvumela omnye umntu ukuba aphathe kwaye alawule imali yakho.
2. Ukuxabiswa kweMpahla ephezulu
Umlinganiselo, ngokwemigqaliselo yomntu, uthetha utyalo imali encinane yemali yakho, kwaye uboleka abanye, ngokuphindaphindiweyo ukuya kwemashumi amabini ngaphezulu, ukusuka kumboleki. Ukuba uthengisa ipropati usebenzisa ityala elingakumbi kunamalungelo, utsalo-mali luthi "lukhulu kakhulu."
Makhe sibone umzekelo wendlela ukuhlawula i-asethi kunokwandisa ukubuyela kwakho:
Ukuba unayo i-$ 10,000 ukutyalo-mali kwipropati, ungasebenzisa umlinganiselo kwaye ubole imali engama-90,000 kwi-bhanki. Ngokudibanisa imali yakho kunye nebhanki ebole imali, ngoku uyakwazi ukuthenga i-asethi eyi-100,000 yexabiso.
Siya kuthatha ukuba unyaka ngamnye, kwiminyaka eyi-10, ipropati yakho yotyalo-mali iya kuxabisa ngo-5%. Nanku apho ukukwazi ukuphakamisa inzuzo kuwe. Ukuxabisa kwi-asethi eyi-100 000 yeempahla, kungekhona kuphela imali eyi-10 000 yemali yakho.
Umzekelo:
Unyaka we-0: $ 100,000
* 1.05 (xabiso)
Unyaka 1: $ 105,000
* 1.05
Unyaka wesi-2: $ 110,250
... Unyaka we-10: $ 162,889
Ngoko, emva kweminyaka eyi-10, ixabiso lakho lepropati liye landa ngama-dollar angama-63,000. Ngaloo ndlela, ubuya kuguqula imali yakho eyi-$ 10,000 kwiingxowa-mali ezingama- $ 60,000 kuphela ngokusebenzisa umlinganiselo.
3. Ingeniso yokuqeshisa Imali kwiPokhethi yakho
Kucinga ukuba utyalo-mali kwipropati yokufumana umhlalaphantsi kunye nabaqeshi, uya kuba nako ukufumana ingeniso yengeniso.
Masithi unomqeshi omnye. Uhlawula ukuba umqeshi we-1,100 iinyanga ngenyanga. Intlawulo yakho ye-PITI yokuhlawula i-$ 700 ngenyanga. Ngako oko, ukukhupha iR $ 700 ukusuka kwi-$ 1100 kuya kukushiya nge-$ 400 ukuze ungene esikhwameni sakho inyanga nganye, kunene? Akunjalo.
Ukususela kule $ 1,100, uya kufuna ukucinga malunga ne-5% kwindleko zenyanga zokugcina kunye ne-5% kwiindleko zezithuba . Ngako oko, uya kufaka i-$ 110 kwi-akhawunti ebhanki nganye ejongene nayo yokujongana nemiba yesondlo kunye nezindleko zezithuba zengqesho. Xa konke kuthiwa kwenziwe, uza kuba ne-$ 290 inyanga nganye eya ngqo kwi-pocket yakho!
Umzekelo:
I-$ 1,100 (irente)
- $ 700 (intlawulo ye-PITI yenkokhelo yenyanga)
= $ 400
- $ 110 (ukulungiswa kunye nemiba yezithuba
= $ 290 (imali engenayo yenyanga ngenyanga evela kwipropati yokuqeshisa)
4. Abaqashi bakho baya ku-Amortize imali yakho yokuThengisa
Uhlobo oluthenwayo lwabo mboleko ngumyinge weminyaka engama-30 . Inomyinge wenzalo oya kuhlala ufana nawo wonke umnyaka we-30 wemali mboleko. Ekuqaleni kwemboleko, imali eninzi ihlawulelwa kwinzala, kodwa ngomnyaka we-15, isondele kwi-50/50 yokwahlukana. Ngako oko, xa usuhlala ubambe ipropati, ubuninzi bomnini-mboleko oyintloko abahlawuli bakho bahlawula phantsi kwaye ubuncwane obuthile ozenzayo.
Yithi unayo imali engama-90 000 yebhanki yebhanki kunye nentlawulo ye-mortgage yenyanga yama-500. Ngonyaka owodwa, malunga ne-385 yee-ntlawulo ziya kuhlawula umvuzo, ngelixa i-115 ziza kuhlawula ukuhlawula inqununu ngomboleko.
Umzekelo:
US $ 115 (inkokhelo yenkokhelo yenyanga) * 12 (iinyanga) = $ 1,380 (ukunciphisa inqununu yonyaka)
$ 90,000 (imali yokuqala)
- $ 1,380 (iintlawulo eziphambili emva komnyaka 1)
= $ 88,620 (ibhalansi yemali emva kweminyaka eli-1)
Ngomnyaka we-15, malunga ne-$ 270 yenkokhelo yenyanga yokuhlawula imali iya kufikelela kumdla, ngelixa i-$ 230 esele iya kwinqununu.
I-$ 230 (inkokhelo yenkokhelo yenyanga) * 12 (iinyanga) = $ 2,760 (ukunciphisa inqununu yonyaka)
Unyaka ngamnye unayo le propati, usebenzisa imali yomqeshi ukuhlawula ityala lakho. Ngokunciphisa inani lemali-mboleko yakho, uya kuba nobuncwane njengoko ekugqibeleni uyakwazi ukufikelela kule mali okanye ngokuhlaziya umboleko wakho okanye ngokuthengisa impahla.
5. Uhlawulo lweRhafu lweeNkcazo zokuBala iRhafu
Njengomnini wepropati yomhlaba wokurenta , unelungelo lokuncitshiswa kweerhafu ezinkulu. Unokubhala inzala kwi-mortgage yakho okanye kuyo nayiphi na amakhadi ekhredithi asetyenziselwa ukuthenga ipropati. Ungabhala-inshurensi yakho, ukulungiswa kokugcinwa kweendleko , iindleko zokuhamba , nayiphina imirhumo yomthetho kunye neengcali , kunye neerhafu zakho zepropati . Uyakwazi ukubona uluhlu olubanzi kwiNolo.com
Ngaphezulu kwazo zonke ezi zichithwayo, urhulumente unokuvumela ukuba uhlawule ixabiso lentengo yepropati yakho ngokusekelwe kwishedyuli yexabiso lokunciphisa , nangona ipropati yakho ixabisa ngokwenene.
Ukusebenzisa umzekelo wethu ongasentla, ufumana i-$ 3,480 yemali kwingeniso yerenti ngonyaka (i-$ 290 inyanga nganye * iinyanga ezili-12). Ukuba wenze le mali kumsebenzi oqhelekileyo okanye kwimarike yesitokisi, uza kulahleka inxalenye ebalulekileyo yokuhlawula irhafu yengeniso. Nangona kunjalo, ngokuba nepropati yokuqashisa , unako ukuhlawula imali engenayo ye-3,480 yemali kunye nexabiso lokunciphisa ipropati yakho, ngaloo ndlela ukwazi ukunciphisa okanye ukuphelisa ngokupheleleyo inani leerhafu omele uyihlawule kule ngeniso yengeniso.
Thetha kwi-akhawunti yomgcini-mboleko ukucacisa zonke iibhalwa zakho zokubhaliweyo zerhafu.
Ukuba ngumnini wepropati yomnini-mboleko kukuzibophezela okukhulu, kodwa, ukuba uyayisingatha kakuhle, ukuba ukuzibophezela okukhulu kungazisa umvuzo omkhulu wemali.