Ndizidibanisa njani izicwangciso zam zomhlalaphantsi ekudala zikhona?
NDINEMINYAKA engama52 kwaye ndibe nesicwangciso somhlalaphantsi kwimisebenzi yonke ebekhe ndakuyo ukususela kwiminyaka engama26.
Ngoku ndinemali kwiingxowa zomhlalaphantsi ezintathu. Ndenze ntoni ngezi akhawunti zingaka? Andisakwazi ukufaka imali kuzo zonke ngoku. Ndifuna uncedo kwindawo yokudibanisa ezi ngxowa, kodwa ndifuna uncedo ukuqonda eyona nto engcono endingayenza?
Into ongayenza kwiimveliso zomhlalaphantsi eziliqela kuxhomekeka kwizinto ezininzi, kodwa ukuzidibanisa kudla ngokuba ngumbono ongcono. Ukuzihlanganisa kwakunika umboniso ongcono wezinto onazo, kwenza kube lula ukulawula, ukunciphisa iindleko kwaye kulula ukugcina irekhodi yakho. Umbuzo ngowokuba, uzidibanisa phi?
Izikhetho zakho eziphambili ziquka:
Isicwangciso sakho somqeshi sangoku (ukuba samkela utshintsho).
Ingxowamali yokuthatha umhlalaphantsi (ayiyi kuba nayiphi irhafu yokudluliselwa).
Ukuba ayikufaki phantsi koxinizelelo ukuzenzela izinto ngokwakho, naluphi na olu khetho lungasebenza. Nangona kunjalo, ukuba unganaso isakhono, ulwazi kunye nexesha lokuphanda olu khetho, kufuneka uqhagamshelane nomcebisi wezezimali. Yazi nje ukuba xa usuka kwindlela yokuthatha umhlalaphantsi ungenza igalelo elongezelelweyo kule akhawunti kwaye uncedise ukugcinwa kwakho komhlalaphantsi okwangoku.
Ngezantsi kukho ezinye iimpawu zonyaka wokuhlala umhlalaphantsi:
Umhlalamali wokuthatha umhlalaphantsi ngumzilamali ovumela ukuba ulondoloze umhlalaphantsi wakho ngendlela efanelekileyo, intlawulo ngaphezu kokulondolozwa ngumhlalaphantsi womqeshi okanye iprovident fund.
Unokwakha ipotfoliyo yokutyala.
Imveliso ifanelekile ukuba unqwenela ukwandisa imali yakho yokugcina umhlalaphantsi.
Awuhlawuli irhafu kwizabelo, inzala kunye neenzuzo ezinkulu.
Xa uthatha umhlalaphantsi kwingxowamali yomhlalaphantsi, uvumelekile ukuba uthathele isinye kwisithathu semali yakho yomhlalaphantsi ngemali ezinkozo kwaye udlulisele ibhalansi kwiannuity.
Imali yomhlalaphantsi awufanelekanga uyithatha phambi kokuba ufikelele kwiminyaka engama55.
Xa uthatha umhlalaphantsi kwingxowamali yomhlalaphantsi, uvumelekile ukuba uthathe isinye kwisithathu semali yakho yomhlalaphantsi ezinkozo kwaye udlulisele ibhalansi kwi-annuity.
Ukhuseleko lokuthatha umhlalaphantsi lixhala kubo bonke abasebenzi, kodwa abaninzi ingaliphupha njengoko behluleka ukulondoloza ngokufanelekileyo. Okungundoqo kukuba wenze impendulo yoluphi umhlalaphantsi olubukeka ngathi luyinxalenye ebalulekileyo yokucwangcisa kwakho, ngoko uyakuqonda ukuba oku kungayichaphazela njani imali. Nangona uninzi lwethu mhlawumbi lunqwenela ukuchitha iminyaka yethu engaphambi kokuthatha umhlalaphantsi sicwangcisa iindlela zokwenza umhlalaphantsi onentsingiselo, inyaniso elula kukuba ukulungela umhlalaphantsi kuhla kumanani.
Enye yeenjongo zethu eziphambili kubaxhasi bethu kukubamba isandla ngexesha lohambo lwabo lwemali. Siyaqonda ukuba xa kuziwa kwisicwangciso sokuthatha umhlalaphantsi, uxolo lwengqondo lubaluleke ngaphezu kwako konke. Kungakhathaliseki ukuba umbono wakho wokuthatha umhlalaphantsi “uphelele” unjani, umbuzo wethu wokuqala nombuzo wokugqibela: Ingaba uya kukwazi ukuzixhasa ngemali xa ungasasebenzi?