Ndingayisebenzisa i-401k yam ukuthenga indlu

Amagama Aphezulu Ebantwaneni

Indlu ethengisiweyo

Ukuba okwangoku uzingela ikhaya kodwa awuqinisekanga ukuba uza kuba nakho na ukuhlawula, ungazibuza umbuzo othi: Ndingayisebenzisa i-401k yam ukuthenga indlu? Impendulo ngu-ewe, unako, kodwa kuya kufuneka uthathele ingqalelo ukuba uya kohlwaywa ngokwenza njalo kuba i-401k yakho yenzelwe ukuba isetyenziselwe umvuzo xa ufikelele kwiminyaka yobudala yomhlala-phantsi. Kuya kufuneka ubuze umphathi wesicwangciso sakho malunga neemfuno zakho zokuhambisa.





Ukuthintela isohlwayo sokuhambisa kwangoko

Ukongeza kwipesenti ezili-10 zokuhlawulwa kwangethuba ukuba uthatha imalingaphambi kwexesha lokuthatha umhlalaphantsi, uya kujongana ne-20 yepesenti yerhafu yomdibaniso xa uthatha loo mali kuba ibekwa kwi-akhawunti yerhafu emiselweyo. Ngenxa yoku, kuya kufuneka ulumke ngaphambi kokusebenzisa utyalomali ngale ndlela.

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Amanqaku afanelekileyo
  • Ezona ndlela zibalaseleyo zokuDibanisa amatyala ekhadi letyala
  • Iindlela ezingama-25 zokonga imali
  • Ukuqonda iMithetho malunga ne-401k yobudala bomhlala phantsi

Uninzi lwabantu lucinga ukuba ungathatha imali kwi-401k yakho ukuthenga ikhaya ngaphandle kokuhlawula isohlwayo kuba ungakwenza oko nge-IRA- kodwa kuphela xa uthenga ikhaya lakho lokuqala kwaye ucwangcise ukuhlala kulo, hayi yisebenzise njengepropati yotyalo-mali. Ukuba ungathanda ukusebenzisa lo mthetho usebenzisa imali kwi401k, Kuya kufuneka uyikhuphe imali kwisicwangciso usise kwi-IRA kuqala. Qinisekisa ukwenza i-rollover ngqo okanye uya kuhlawuliswa irhafu ye-20 yepesenti. Qaphela ukuba, nakule meko, awunakho ukusebenzisa ngaphezulu kwe- $ 10,000 yotyalo-mali lwakho ekuthengeni ikhaya lakho. Oku kunokuba luncedo ekuhlawuleleni phantsi. Ukuba ufuna imali engaphezulu koku, kuya kufuneka uphonononge ezinye iindlela.





Ndingayisebenzisa i-401k yam ukuthenga indlu?

Ukuba ungathanda ukusebenzisa i-401k yakho ukuthenga indlu, enye indlela yokwenza kukuthetha nomphathi wesicwangciso sakho malunga nendlela yokurhoxisa imali. Kwiimeko ezininzi, unokucela ngokutshekisha isixa osifunayo. Gcina ukhumbula ukuba izohlwayo ziya kuthathwa kwityala lakho elisele okanye ziya kuhlawuliswa ngaphambi kwexesha ukuba ucwangcisa ukukhupha yonke loo nto. Yazi ukuba wakube ucofe i-401k yakho, uza kuphulukana nolondolozo lomhlalaphantsi olubalulekileyo. Unokufuna ukuphonononga ezi ndlela zilandelayo ngaphambi kokusebenzisa i-401k yakho ukuthenga indlu:

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  • Ukufumana umnikelo wesipho kwisihlobo
  • Ukukhupha imali esele ikwiNdabuko okanye eRoth IRA
  • Ukubona ukuba ungahambisa ngaphezulu kweendleko kwimali mboleko yakho yobambiso
  • Sebenzisa imali ekwibhondi, isatifikethi sedipozithi, okanye iakhawunti yokonga

Ndingayisebenzisa i-401k yam ukuthenga indlu? Unokwazi ukuthatha imali mboleko ekhuselekileyo ngokuchasene nemali kwi-401k yakho yokukunceda uthenge ikhaya lakho okanyehlaziya ikhaya lakhonaye. Oku kunokuba lukhetho kubantu abanemali eninzi kwi-401k, kodwa abafuni ukufumana imali yokubolekwa imali epheleleyo yokuthenga. Kungcono uthethe nomcebisi wakho werhafu malunga nokuba ungakwenza njani oku ukuze uxhamle imeko yakho yezemali. Qaphela ukuba xa uthe wasilela kule mboleko, unokujongana nezohlwayo. Umcebisi wakho werhafu ngowona mthombo wakho wolwazi malunga neziphumo zotyalo mali.



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