Ukuba ucinga njalo imali Inversas ngumzekelo wokuxhasa ngemali ikhaya oza kulisebenzisa, uya kuba usenza iimpazamo ukusuka kumzuzu wokuqala. Akukho nto iqhubeka kwinyani, nangona inezinto ezifanayo kunye nalo mgca wekhredithi. Kungenxa yokuba imali mboleko ebuyisiweyo yimveliso eyahlukileyo eyilelwe ukuba abantu abadala babe nesongezelelo kwimali yabo yomhlala phantsi ngexesha lomhlala phantsi. Oko kukuthi, bona iyakwenza ingeniso eyongezelelweyo ukuba baphile le meko intsha ebomini babo. Kodwa eli klasi lobambiso lubaluleke kakhulu yenye into oza kuba nakho ukuyiqinisekisa ukusukela ngoku.
Enye yezona zinto ziphikisanayo zokufumana ikhontrakthi kule mveliso yezemali inxulumene nayo imvume. Kuba, ungayirhoxisa nangaliphi na ixesha kodwa phantsi kweemfuno ezinzima kakhulu. Baye babuyele kwimali obolekiswe ngayo de kube lixesha lokucinywa kwayo. Ngale ndlela, ukuba bhetyebhetye yenye yezona zinto zixhaphakileyo ekuqeshweni kwakho. Nangona iimeko ezifuna ngakumbi ezinokukwenzakalisa ngaxeshanye kwiminyaka yakho yegolide
Ngokubizwa ngokuba yimali mboleko ebuyiswayo, iziko lezemali liphethe ukubonelela okanye ukuhlawula isixa senyanga nenyanga esiqingqiweyo minyaka le. Ukuqwalaselwa kwesiqinisekiso sokuba le nto ilungile yindlu yakho. Le mali iya kuxhomekeka ekubeni umdala kangakanani, kodwa ngaphezulu kweempawu zepropathi. Ngayiphi na imeko, iya kusebenza ku ukusukela kwiminyaka yobudala engama-65 awunyanzelekanga ukuba uzilinganisele kwimali yomhlala-phantsi. Ke ngoko, yindlela esebenzayo yokwandisa amandla okuthenga kule minyaka yobomi bakho. Ngaphaya kwezinye iindlela zotyalo-mali kwaye ezi zinto zenzeka ngezicwangciso zokonga, iinkqubo zokonga okanye iimali zotyalo-mali ngokwazo.
Ukuguqula ukubambiswa kwemali mboleko: iimfuno zakho
Ewe, ayingabo bonke abasebenzisi abanokufuna le mveliso ikhethekileyo. Inxalenye kuphela yabo abakwimeko yokutyikitya ikhontrakthi kule klasi yobambiso. Kuya kufuneka uyazi ukuba uyahlangabezana neemeko zokumisela ngokusemthethweni ukuthengiselana kwezindlu. Ngokusisiseko iimfuno zabo zikhawulelwe kwiimfuno abazinyanzela kuwe ukuba ungene kwisivumelwano ekuthiwa yi-reverse mortgge kwaye zezona sizityhila kuwe apha ngezantsi.
- Ewe kuya kufuneka ube ngumntu omdala, ngaphezulu kweminyaka engama-65, ngaphandle kokufumana ingeniso evela kuqoqosho lwasekhaya Kungenxa yokuba bonke aba bantu banokufikelela kule mveliso, nokuba bathathe umhlalaphantsi olungileyo okanye ukuba bebengekho kule meko.
- Yiba ukukhubazeka okungaphezulu okanye okulinganayo nama-33% okanye kwimeko yakho ukuba uxhomekeke. Nangona kunjalo, kwezinye izindululo ezivela kumashishini emali, bathanda ukusiphelisa esi siqendu kwisivumelwano ukuze abantu abaninzi baxhamle.
- Kwaye eyona iphambili ayisiyiyo enye ngaphandle kwe- ndinekhaya. Kodwa lumka kakhulu kweli candelo, kuba kufanele ukuba lelona liphambili. Akunakho ukubonelela ngendlu yesibini okanye njengokusebenzisa iiholide. Abayi kuyamkela njengesiqinisekiso sokumiselwa ngokusemthethweni kwemali mboleko ebuyiselweyo.
Yintoni injongo yayo?
Ewe kunjalo, kukho izizathu ezingaphantsi okanye ezingaphantsi kokubhalwa phantsi okubambisa ukubambisa. Kodwa enye yezona zinamandla kakhulu kukuphucula umgangatho wobomi kule minyaka yegolide. Oko kukuthi, kwintoni ungonwabela imeko entle yezoqoqosho ukusukela ngexesha lokuthatha umhlalaphantsi. Esi sesinye sezizathu zokuba abantu abakumgangatho ophantsi okanye amandla asezantsi okuthenga kunokwenzeka ukuba bakhethe le ndlela yotyalo-mali. Nangona kuya kufuneka ubone kwangaphambili iimeko ezithile ezinokuthi zivele ebomini bakho kwaye zezona ziya kuthi zimisele ukulungelwa okanye ukungabinalo ikhontrakthi kolu didi lobambiso.
Enye yazo inento yokwenza ngqo neminyaka oshiye ngayo ebomini bakho. Kungenxa yokuba ubeka emngciphekweni omkhulu wokuba ukuba ukhokelela ekusebenzeni kwixesha elide kakhulu elinokuthi libekho idlule imihla ebekiweyo ekuvunyelwene ngayo kunye neziko lezemali. Ngaphandle kokukwazi ukuphuma ngaphandle nangaliphi na ixesha ukuba le mvumelwano inokuzinziswa kunye nokuphazamiseka okunokubangela ukuba ubekho kuloo mzuzu. Ngakolunye uhlangothi, unokulibala ukuba luhlobo lotyalo-mali olwenzileyo ngexabiso lexabiso lekhaya lakho eliphambili ngelo xesha. Ngokuqinisekileyo inokuba ngumlinganiso osebenzayo kuninzi lwabo bangaphezulu kweminyaka engama-65 ubudala.
Ukusebenza kwezi mboleko
Enye into ekufuneka uyivavanye ukususela ngoku ukuya phambili yindlela esebenza ngayo imali mboleko. Kuba ngamanye amaxesha akukho lula ukuyiqonda le nkqubo ikhethekileyo ngenxa yeempawu ezizodwa zale mveliso yezemali. Kungenxa yokuba, into yokuqala ekufuneka ithathelwe ingqalelo kwimali mboleko ebolekiweyo ivela kwinto yokuba iindlalifa zakho ziya kuba ziphethe Hlawula ityala kunye nequmrhu elijongene nokuthengisa le mveliso kanye ngexesha lokufa. Ukusuka kule ndawo yokujonga, kunokuba ngumthwalo kubantwana bakho.
El unyango lwerhafu Yenye yemiba ekufuneka beyivavanyile kwimeko yokuba ukuqeshwa kwabo kukufanele okanye hayi. Ngale ndlela, iyathandeka ngakumbi kunezinye iimveliso zemali zesintu ngenxa yokuba umvuzo wakho ngezi zibambiso awuzukubhengezwa kwingxelo yengeniso elandelayo. Nje ezimbalwa emva koko, apho kuya kufuneka uhlawule i-1,44% kunye ne-3,80% yengeniso, kuxhomekeke kumaqela obudala ogqunywe kuwo. Uza kuzijonga njani izibonelelo zakho zerhafu ziya kuxhomekeka ekubeni umdala kangakanani kule nkqubo yerhafu inzima.
Izinto eziluncedo ngesi sicwangciso sotyalo-mali
Kwelinye icala, ukusukela ngoku ukuya phambili, awuzukukhetha ngaphandle kokuvavanya ukuba zeziphi ezinye zegalelo elifanelekileyo. Iya kuba yindlela yoqobo yokwazi ukuba le mveliso iqulethe ntoni. Zinendalo eyahlukileyo kwaye kuya kufuneka ucamngce ngayo ukuba ilungele iprofayile yakho yesaver oyifunayo kwiminyaka yegolide yobomi bakho. Kwaye phakathi kwezi zilandelayo izibonelelo esikuvezela zona ngezantsi.
Yiyo umxhasi ochanekileyo ukuba uya kuba nayo ebudaleni. Ngokukodwa ukuba ipenshini yakho ayikhuphisani ngokwenyani okanye usenokuba uqokelela ipenshini engenagalelo. Oko kukuthi, ngethoni ukuya kwi-400 euro rhoqo ngenyanga. Ukusuka kolu luvo, ukuthatha imali mboleko ebolekayo kunokukhupha ngaphandle kokungxama emva kweminyaka engama-65.
Inokwenziwa njenge njengesicwangciso somhlala-phantsi ungonwabela le minyaka ngcono. Nokuba yeyiphi na ipension obuyifumana. Ayothusi into yokuba elinye lamaxabiso alo afanelekileyo kukuba ukusukela ngalo mzuzu uye phambili uya kuba nengeniso obungayilindelanga ngaphambili. Oku kunokukwenza ukuba ujongane nobomi ngethemba elikhulu kwaye ungahlengahlengisi kangako kuhlahlo-lwabiwo mali lwakho okanye losapho.
Ewe inokukunceda ubekwindawo yoku nyusa eyona mivuzo iphantsi. Nangona kunjalo, ayisiyiyo ingeniso engunaphakade, kodwa inokuphelelwa lixhomekeke kwimeko yesivumelwano. Ngesi sizathu kubaluleke kakhulu ukuba uhlalutye ushicilelo oluchanekileyo lwesivumelwano kwaye uphephe naziphi na ezinye izinto ezothusayo ezinokuziswa yile mveliso kumashishini akhupha imali.
Awungekhe ulibale ukuba yi imveliso ekwandiseni ngokucacileyo Kwaye oko ke akuyi kubiza mali eninzi ukufumana imodeli engaqhelekanga ehlengahlengiswe kwizinto zakho ezizodwa njengomntu odla umhlala-phantsi. Ngale ndlela, awunakukhetha ngaphandle kokuvavanya ukuba ingaba ikulungele na le nto ukuba ukhethe esi sicwangciso somzuzu kanye xa uza kuthatha umhlalaphantsi.
Ngaba yimveliso yotyalo-mali?
Kwimeko nayiphi na into, kukho into ecacileyo yokugcina engqondweni. Ayisiyonto yimbi ngaphandle kokuba ubambiso olubambeleyo aluyiyo imveliso yotyalo mali. Ngaphantsi kweemeko ungacingi ngale meko. Kule nto, ezinye iimveliso zezemali zikhona, ezinje nge Mutual fund, izicwangciso zokonga okanye inkqubo yomhlala phantsi. Apho unokwenza khona ukugcinwa kunenzuzo kwimirhumo yakho yezemali. Ukusuka kwixabiso elifikelelekayo kakhulu ukusuka kwi-1.000 euro. Kweminye yale modeli, iimali ziya kuba zingenakunyanzeliswa kude kube ngumzuzu wokuthatha umhlalaphantsi.
Ngelixa imali mboleko ebuyiswayo, ngokuchaseneyo, ayidweliswanga kwiimarike zemali. Ngokufanelekileyo, awuyi kuphinda uhlaziye kusapho, kodwa luhlobo lokusasaza. Apho uyakufumana khona intlawulo esisigxina nyanga nganye enokukunceda ukongeza ipenshini ukusukela kunyaka othathe umhlalaphantsi. Ngendlela enobulungisa kuba le ngeniso iya kuxhomekeka kumhlaba nezindlu oncedisayo.
Nangona ngaphezulu kwako konke, yenye into ekufuneka uyenzile ukuphucula umgangatho wobomi kuloo minyaka ibalulekileyo yobomi bakho. Njengokhetho kwizicwangciso zepenshini zemveli, nangona ziqala ngeendlela ezahlukileyo. Ukuya kwinqanaba lokuba ukhethe ukuba yeyiphi imodeli ekulungeleyo ngala maxesha. Ngaphandle kweprofayile oyivezayo njengomgcini.