Musa ukuhamba kweNgxowa-mali yokungahambi kakuhle ngenxa yokungaqondi kakuhle iiNdleko zokuSebenza
Enyanisweni, inxalenye ebethayo abatshali-mali abatsha yiyinto engabandakanywa ... imali.
Kwaye, ekubeni ukuhlawulwa kwenyanga kukho imfuneko ekuthengweni kwekheshi, "inkonzo yetyala" njengoko kubizwayo, iyona nto iphambili yokuhamba kwemali, efanelekileyo okanye engalunganga. Injongo yenkcitho-mali yokuphuhliswa kwezindlu eziyimpumelelo i- flow flow flow , ngeli xesha liqonda ezinye iintlawulo zobunini boqobo kunye notyalo-mali. Ezi ziquka ukubaluleka kwexabiso, ukuphulwa kweerhafu nezinye iintlawulo.
Nangona kunjalo, xa uvavanya ukuthengwa kwepropati yokuqashisa, kwaye ubona isibalo kwiimali zeendleko zokusebenza, akukho ntlawulo ye-mortgage kule nombolo. Ngeke uhlawule kuphela ezo ndleko, kodwa kwakhona neenqununu zakho kunye nentlawulo yenzalo. Ngoko, qiniseka ukuhlalutya " ukuhamba kwemali " yotyalo-mali ngokunyamekela.
Ixabiso leMpahla yokuHlawuleka
- Ukuthengisa kunye nokukhangisa: Xa uqhuba iintengiso kubaqeshi, unako ukukhawuleza iindleko, njengoko unokwenza nokusingatha kunye neendleko zewebhusayithi okanye iblogi ezinikezelwe kwishishini lakho lepropati.
- Iirhafu zepropati: Nangona zingabakho kwinkokhelo yokubolekwa kwempahla, uyaziqhawula kwaye uzichithe kunyaka ohlawulwe.
- Ininshurensi yepropati: Nangona mhlawumbi ixhomekeke kunye neentlawulo, i-premium yonyaka yomshuwalense ichithwa njengendleko yokusebenza.
- Izixhobo: Naliphi na izixhobo ezihlawulelayo, ngokuqhelekileyo amanzi kunye nocwiliso lwegazi, unokukrazula njengeendleko zokusebenza.
- Ukuqokelela udoti: Ngokuqhelekileyo le ntlawulo kamasipala nganye, kwaye iyindleko efanelekileyo yokusebenza.
- Ulawulo lwePropati: Ukuba uqeshe ulawulo lwezakhono, unokukrazula indleko kunyaka ohlawulwe.
- Ukugcinwa kunye nokulungiswa: Awukwazi ukukhangela izinto ezincinci zokunciphisa izinto ezifana nokulungiswa, kodwa unokwenza isondlo esilungileyo kunye nokulungiswa ekhaya.
- Ukunakekelwa komhlaba, ukunakekelwa kwamanzi, njl. Lezi zindleko zokusebenza kwaye zichithwa ngokunjalo.
- I-Accounting kunye nezomthetho: Imirhumo ohlawula umgcini-mvume okanye ummeli onxulumene nepropati yakho yokurenta (ies) ichithwa njengeendleko zokusebenza.
- Ukususwa kweqhwa, ukulawulwa kwezinambuzane, njl. Lezi zithintelo zokusebenza kweendleko zendawo yokurenta.
Iindleko ezingeyona iNkcitho
Intoni? Ewe, xa sithetha ngokuhamba kwemali kunye nemali oyithathayo ephaketheni lakho okanye ukufaka ephaketheni lakho kwipropati yokuqashisa, kukho into enhle kakhulu malunga nokunciphisa ipropati yokuqeshisa. Xhumana nomgcini-mali, kodwa le ndlela yendlela esebenza ngayo:
- I-IRS ikuvumela ukuba uhlaziye ikhaya eliqashisayo iminyaka engama-27.5.
- Thatha ixabiso lekhaya (shenxisa inani lexabiso lomhlaba) kwaye ulwahlule ngo-27.5 ukuze uthole imali yonyaka ongayithatha.
- Khumbula, le yimali ongayichithekanga, nje ukubala ngenjongo yerhafu.
Le ngenye yeenzuzo zepropati yokuqeshisa ngaphezu kwee-stocks kunye neebhanti zokutyalomali.
Ukuhamba kwemali ngokukhawuleza yenyanga kuyona nto ebangela ukuba abatshali-mali abaninzi bakhethe ipropati yerenti njenge-niche yabo ye-investment real estate. Ingeniso enkulu kumhlalaphantsi, kwaye bayakha ukulingana kwipropati. Itshekethi yenyanga nganye eyandiswe ngeendawo ezininzi zokuqeshisa zixhasa ngemali indlela yokuphila yokuthatha umhlala-phantsi ekhuselekileyo ngaphandle apho. Nabani na onokucinga ngokutsha-mali-mali angayinwaba xa ebona i-gurus kwiTV. Kodwa, loo nto ingeniso eqhotyoshelweyo kwipropati yokuqashisa eyonwabileyo kunye nexesha elide.
Thatha le nxu lumene nespredishithi esiluncedo kakhulu , kunye neenkcazo ezilishumi okanye ezibalulekileyo ezibalo ezisetyenziselwa ukutyalo-mali . Ungasebenzisa ispredishithi ukwenza umsebenzi onzima, gcwalisa inani lakho leendleko.
Utyalo-mali!