Ukuboleka Ohlelweni Lwakho Lokuthatha Umhlalaphansi

“Bakha ibhizinisi lokuthenga ngemali ngobuchwepheshe abajwayele ukuba nabantu abaningi abasensimini.” U-Anthony Hsieh, usihlalo kanye noMphathi Omkhulu we-LoanDepot, ubhale kwi-weblog ukushicilela ngesonto eledlule ukuthi izimo zemakethe ze-IPO bezingezinhle. “Ngenkathi i-IPO iqhubeka nokuba inketho, mhlawumbe ngolunye usuku kungekudala noma kamuva, akusona isidingo,” UHsieh wabhala. Abaphathi bomashonisa obolekiwe we-on-line mortgage uLoanDepot abagxili amakhanda abo esihlabathini kungakhathaliseki ukuthi bacela usizo emphakathini ekuqaleni kwale nyanga. Sebenzisa lolu hlobo ukuhambisa imali — ngaphakathi kwe-akhawunti yakho noma ku-akhawunti yakho.

Isisebenzi esithola lo mhlomulo kufanele sisayine isivumelwano sokukhokhela isevisi ukuze siqhubeke sisebenzela i-ejensi ekhokhayo isikhathi esingengaphansi kwalesi 3 iminyaka. Isisebenzi kufanele sikhokhele i-ejensi ekhokhayo ngazo zonke izinzuzo ezitholakele uma ihlukaniswe ngokuzithandela noma ihlukaniswe ngokungazibandakanyi ngokungaziphathi kahle, ukusebenza okungamukeleki, noma amandla angafanelekile ngaphansi 5 Ingxenye yeCFR 731. Ngaphezu kwalokho, isisebenzi kufanele sigcine izinga lokusebenza elamukelekayo ukuze siqhubeke nokuthola izinzuzo zokubuyiselwa imali.

Kufanele Ngisheshe Kangakanani Ukuyikhokha?

Yini enye, 401 imali mboleko ayidingi isheke lokuhlolwa kwesikweletu, ngakho-ke azivezi njengesikweletu embikweni wakho wesikweletu. Imali mboleko nokuhoxiswa ezinhlelweni zokonga emsebenzini (njengama-401s noma ama-403s) ezinye izindlela zokukhipha imali kuhlelo lwakho.

• Uhlelo luphendula ngezinzuzo zomhlalaphansi zabasebenzi abaningi beDolobha laseNew York.
• IKnight Homes iyavuma ukuthi kunokuningi okukhethiwe ngaphandle lapho kubathengi basekhaya banamuhla.
• Uma udinga ukufinyelela kuHlelo lwakho lokonga umhlalaphansi ngaphakathi kwe 457 ukuhlela, sebenzisa lo mhlahlandlela.
• Ngaphambi kokudonsa inhlamvu, qiniseka ukubala umthelela oku-inthanethi kumholo wakho wokuthatha ekhaya.

Ngakho-ke, ungahle uthande ukucabanga ngezindlela ezahlukahlukene zokubolekwa kwemali zokuthenga indlu noma ukukhokha ezinye izikweletu, ngaphambi kokuzenzakalelayo kuhlelo lwakho lomuntu siqu. Bobabili bayanikela $6,000 kubo 401 ukuzinza , futhi uhlelo ngalunye lukhula ngemali ekhokhwayo yonyaka 8% njalo ngonyaka. Izinhlelo zomhlalaphansi azidingeki ngokomthethonqubo ukwamukela nje lokhu kuguqulwa kwemihlahlandlela yokuhoxa ngaphambi kwesikhathi, kepha izinhlelo eziningi kulindeleke ukuthi zibhekwe planbloan isudi. Umthetho uhlanganisa ukuhoxa okwenziwe phakathi kukaJan. 1, 2020, futhi ngoDisemba. 30, 2020. Umqashi wakho angaba nezinhlobo ezikhethekile okufanele uzigcwalise ukuze ukwazi ukucela imali mboleko. Uma udinga ukucela imali mboleko yohlelo olufanelekile, hlola ngokuhlanganyela nomqashi wakho noma nomphathi wohlelo maqondana nezidingo zemibhalo. Ngokuvamile, lezi zinhlelo zidinga ukuthi ubonise ukuthi usuqedile ezinye izimpahla.

Imiyalo Yokusetshenziswa Kwemalimboleko Kusuka KwaMsu 403(b) Uhlelo Lokuthatha Umhlalaphansi

Cishe izinsuku ezingamashumi ayisishiyagalolunye ngemuva kokuthola izindleko zakho zokuqala kusengaphambili, uzothola incwadi ekwazisa ngenani lokugcina ozolikhokhela wena ngaphansi kwezinketho ezahlukahlukene kanye nohlaka lwezinketho zakho zemihlomulo. Inani lemali ebanjiswayo yeplani akuyona imali eqinisekisiwe yeplani yempahla ebanjiswayo. Esikhundleni salokho, imali ebanjiswayo ibibanjelwa intela ngoSepthemba 30, 2023 (ngaphambi kokuqashwa kwabasebenzi B ngoNovemba 1, 2023), ngenxa yokwehluleka ukufeza izidingo zokunciphisa inani esigabeni samashumi ayisikhombisa nambili. NgoFebhuwari. 1, 2020, umhlanganyeli ucela futhi athole imali mboleko yohlelo $20,000. Lapho ikhishwa imalimboleko ihlangabezane nemikhawulo yemali mboleko, isikhathi seminyaka emihlanu sokunciphisa inani kanye nezidingo ezihlukile zesigaba se-IRC amashumi ayisikhombisa nambili, futhi ukukhokhelwa kwemali mboleko bekukhona. Nokho, ngemuva kokuthi umhlanganyeli enze izinkokhelo ezimbili zokuqala ezihleliwe zekota, wayeka ukwenza izimali zokubolekwa kwemali.