Zviviri zvezvinonyanya kukosha ndezvokubhadhara kwako pasi uye mari yekuvhara. Maererano neNational Association of Realtors, iyo inowanikwa mumusha inobhadhara chikwereti yaiva 11 muzana yemutengo wekutenga muna 2016.
Izvozvo zvaizouya ku $ 22,000 pamusha we $ 200,000. Kuvhara mari, iyo inosanganisira kutarisira mari uye zvimwe zvikwereti kugumisa chikwereti chako chemari, uwedzere imwe 2 muzana kusvika ku5 muzana yemutengo wekutenga pamusha pane yose.
Kunyange zvazvo mutengesi angabhadhara imwe yemari yekuvhara, iwe unogona kunge uine mhosva yekutora chikamu chemari. Sezvaunoronga imba yako yekutenga, unogona kunge uchishamisika kana iwe unogona kukwereta kubva kune 401 (k) imba kana iwe usina mari yekuchengetedza mari yekubhadhara kana kubvisa mari yekuvhara. Mhinduro shoma ndeyekuti hongu, asi mubvunzo unonyanya kukosha ndewokuti iwe unofanira iwe here?
Borrow Kubva kune 401 (k) yeImba: Kuwana 401 (k) Chikwereti
Kana iwe uchida kukwereta kubva kune yako 401 (k) kubhadhara mari yako yekubhadhara kana yekuvhara, pane nzira mbiri dzokuzviita: 401 (k) chikwereti kana kubviswa. Zvakakosha kunzwisisa mutsauko pakati pezviviri uye nezvemari zvinoshandiswa pane imwe neimwe.
Paunotora chikwereti kubva kune yako 401 (k), inofanira kubhadharwa nemari.
Ichokwadi kuti iwe uri kudzorera chikwereti iwe pachako uye chiyero chinogona kuva chakaderera asi iyi haisi mari yakasununguka yauri kuwana. Chimwezve chinyorwa pamusoro pe 401 (k) zvikwereti ndezvokuti hazvisi zvirongwa zvose zvinovabvumira. Kana hurongwa hwako huripo, unofanira kunge uchiziva kuti unogona kukwereta zvakadini. Iko Internal Revenue Services inogadzirisa 401 (k) zvikwereti kusvika 50 muzana yemari yako yakachengetwa yakawanikwa kana $ 50,000, chero zvishoma.
Semuenzaniso, kana kukwana kwekero yako iri $ 50,000, mari yakakura iwe unogona kukwereta iri $ 25,000, uchifunga kuti wakagadzirirwa zvakakwana.
Mukureva kubhadhara, 401 (k) chikwereti chinofanira kubhadharwa mukati memakore mashanu. Mari yako inofanira kuve yega yega roga roga, uye inosanganisira zvose zvinyorwa uye kufarira. Chimwe chezvinhu zvinokosha zvekuvhara maziso: kukopa mari yako haibatariswi semipiro yeurongwa hwako. Chaizvoizvo, wako waunoshandira angasarudza kusimira zvishoma zvipi zvitsva zvitsva purogiramu kusvikira chikwereti chave chabhadharwa. Izvo zvinokosha nokuti 401 (k) zvipo zvinoderedza mari yako inotengesa. Kana iwe usiri kupa mitsva mitsva munguva yekubhadhara chikwereti chako, iyo inogona kukonzera mutero wako wekuteresa yakakwirira munguva pfupi.
Kutora chikwereti kubva kurongwa hwako kunogona kukanganisawo kukwanisa kwako kukwanisa kuwana chikwereti. Kana iwe wakatotora chikwereti, iyo mitero yemwedzi iwe yose inowanikwa mune chikwereti chako-kusvika-chekuwana, iyo ndiyo yakawanda yemari yako inowanikwa kune rekubhadhara chikwereti mwedzi mumwe nomumwe. Zvakanaka, chikwereti chako chekuwana mari chinofanira kuva 43 muzana kana kuti pasi kuti uwane chikwereti.
Kuita 401 (k) Kubhadhara Kutenga Imba
Kuenzaniswa nechikwereti, kubvisa kubva kune yako 401 (k) kunoratidzika senzira yakajeka yekuwana mari yaunoda kutenga imba.
Mari haifaniri kubhadharwa uye iwe hauna kukwana mumari yaunogona kubvisa, nenzira yaunenge uine chikwereti. Hazvisi nyore sezvinoratidzika, zvakadaro, kukwereta kubva kune 401 (k) yeimba uchishandisa kubvisa.
Chinhu chokutanga kuti unzwisise ndechokuti wako waunoshandira angasatombobvumira kurega kubva pane zvawakaronga usati wava nemakore 59 1/2. Kana vachibvumira vashandi kuti vape mate 401 (k) mari kare, unogona kuratidza kuti uri kutambudzika kwemari vasati vatendera kubvisa. Pasi pemitemo ye IRS, kutenga kwevatengi kazhinji hazvikwanisi zvinetso zvekutambudzika.
Asi, iwe unogona kukwanisa kubva pane 401 (k) chirongwa chawakasiyira kumashure kumushandi wekare. Izvi, zvisinei, pane izvo zvinhu zvinogona kunetsa.
Kana iwe uri pasi pezera remakore makumi mashanu nemakumi matatu nemashanu uye iwe unosarudza kutenga mari yekare 401 (k) , iwe unokweretesa vose vari 10 kubva muzana kutanga kubvisa chirango pamutengo wakabviswa, pamwe chete nemutero unowanikwa pamutero.
Zvikamu makumi maviri kubva muzana yemari yakagoverwa inowanzochengetwa kumatare ehurumende, zvichireva kuti kana ukabvisa $ 40,000, $ 8 000 ingadai yakagadzirirwa pamutero wemitero.
Nekukweretesa 401 (k), kubhadhara kwepakutanga uye mutero wemari hazvizoshandisi, nechisarudzo chimwe chakakosha zvikuru. Kana iwe ukasiya basa rako, chero sarudzo yakasara yakakwana inogona kubhadharwa zvakakwana. Kana iwe usingatsivi chikwereti chako, iyo yose inotorwa sekushambadzirwa kunokonzerwa. Muchiitiko ichocho, iwe unobhadhara mitero yemari uye chirango kana iwe uri pasi pezera remakore 59 1/2.
Iko 401 (k) Kwereta kana Kurega Kuita Zvakawanda Kuziva?
Paunofunga nezvekukanganiswa kwemutero kunobatanidza nekubviswa kwepakutanga, 401 (k) chikwereti chinogona kunge chiri chakanakidza kana shanho iwe ucharipa isiri pasi pezvauchazobhadhara mutero. Zvechokwadi, kune imwe yeruzhinji kune zvose zvingasarudzwa: uri kutapudza kubhadhara mari yako yekurega.
Uine chikwereti chekukweretesa (401) (k), iwe unogona kuva nekwaniso yekudzorera mari iyo nenguva. Kana uri kutengesa 401 (k) yekare, zvisinei, hapana nzira yekuisa mari iyoyo zvakare. Muzviitiko zvose izvi, iwe uri kurasikirwa nesimba rekugadzirisa chido kuti uwedzere kupfuma kwako kwepfuma kwenguva.
Chimwe chepamusoro chekusarudza kubhadhara kubva kune 401 (k) yeimba-ingave iwe wakatora chikwereti kana kuti kubvisa-ndeyekuti inogona kukubvumira kuti usabhadhara mari yega mortgage inshuwarisi kana iwe ukapa mukwereti zvakakwana zvakakwana kubhadhara. Pamwe mortgage inshuwarisi ishuwarisi inodzivirira chikwereti uye inoda kana iwe uri kuisa pasi pe20 muzana pasi. Iwe unobhadhara premium yapamusoro yekugoverwa, pamwe chete nepuroumimwedzi yemwedzi, iyo yakawedzerwa pane yako yekubhadhara chikwereti. Pamwe mortgage inshuwarisi inogona kubviswa paunosvika makumi maviri kubva muzana zvakaenzana mumusha asi inogona kuwedzera kumari yeimba yemugove mumakore ekutanga ekubhadhara mari yako.
Zvimwe Zvimwe Zvokubhadhara Kubva Pako 401 (k)
Usati waita chikwereti kubva kune 401 (k) kutenga imba, funga kana pane zvimwe zvingasarudzwa. Semuyenzaniso:
- Purogiramu yekubhadhara iripo pasi : Mapurogiramu epasiro ekubhadhara anokonzerwa kubatsira vabhizimisi vakakodzera vane mari yekubhadhara uye yekuvhara. Mamwe mapurogiramu anopa zvipo kune vanotengesa vanotengesa vasingafaniri kubhadharwa. Vamwe vanopa mapurogiramu akaenzana ekuchengetedza, akafanana ne 401 (k), ayo anofanana nedhora rega rega unochengetedza kumutengo wako pasi, kusvika pane imwe mari.
- Zvipo zvekubhadhara zvizere: Kana uine nhengo dzemhuri dzinoda kukutsigira iwe paunenge uchiedza kutenga imba, ungafunga kuti uchikumbira chipo chako mari yekubhadhara. Nhamba yemari inogona kupiwa zvipo uye mari yaunofanira kuisa kune iyo yekubhadhara pasi kubva kune yako pesa mari inogona kusiyana, zvichienderana nemhando yekubhadhara mari yaunowana. Chinhu chinonyanya kukosha chokuyeuka nezvipo zvekubhadhara pasi ndechokuti zvinofanira kunyatsoratidzwa. Kana zvisina kudaro, uyo anokweretesa anogona kukubvumira kushandisa mari iyo kubhadhara kwako pasi.
- IRA kuregererwa: Kana iwe une IRA, unogona kukwira kusvika ku $ 10 000 kubva kubhuku rako uchienda kubhadhara kumusha usingabhadharwi 10 muzana kutanga kutora chirango. Chenjerera, zvakadaro, kuti kana iwe uchibva kune imwe tsika yeIRA, iwe uchine chikwereti chemari yemari pamari yaunotora.
Kukwereta kubva kune 401 (k) kune zvimwe zvikomborero, kunyanya kuti haufaniri kuuya nemari yakawanda yemari iri muhomwe. Asi zvakadaro, zvinokonzera kubhadhara kwako uye kukwanisa kubhadharwa kune mamwe mitero kunofanira kuyerwa kunyatsotanga usati waita.