Nibihe Bisabwa muri Cash-Out Seasoning?

Iyo ugenda ku isoko ry’inguzanyo muri Amerika, ikintu kimwe gikomeye ba nyir'amazu n'abashoramari bakunze guhura nacyo ni ibisabwa kugirango amafaranga arangire. Gusobanukirwa nibisabwa kugirango amafaranga arangire asabwa ni ngombwa kubantu bose bashaka gukoresha umutungo wabo neza. Muri iyi ngingo, turacukumbura umwihariko wigihe-cy-amafaranga, tureba neza ko umenyeshejwe neza mbere yo gufata ibyemezo byubukungu.

Niki gisabwa kugirango amafaranga arangire?

Ibisabwa kugirango amafaranga arangire bivuga igihe giteganijwe nyirurugo agomba gutegereza nyuma yo kugura cyangwa gutera inkunga umutungo mbere yuko bakuramo amafaranga.Ibisobanuro. Iki gihe ni ingenzi cyane kuko cyemerera abatanga inguzanyo kugenzura ko umutungo wagumanye cyangwa wongerewe agaciro, ukemeza ko nyir'urugo afite imigabane ihagije yo kwemeza amafaranga yatanzwe.

Mubisanzwe, ibisabwa kugirango amafaranga arangire ashyirwaho amezi 6 kugeza 12, bitewe nuwatanze inguzanyo nubwoko bwinguzanyo. Ibi bivuze ko banyiri amazu bagomba gutegereza byibuze amezi atandatu uhereye umunsi bafungiyeho inguzanyo yambere cyangwa inguzanyo yabanje mbere yo gusaba inguzanyo. Ariko, ni ngombwa kumenya ko ibisabwa byihariye bishobora gutandukana ukurikije uwatanze inguzanyo hamwe nubukungu bwa nyirurugo.

Ni ukubera iki amafaranga yo gusohora amafaranga ari ngombwa?

Gusobanukirwa nibisabwa kugirango amafaranga arangire ni ngombwa kubwimpamvu nyinshi. Ubwa mbere, irinda abatanga inguzanyo kugirango ba nyir'inzu bahagaze neza mu bijyanye n’imari kandi ko agaciro k’umutungo katigeze gahinduka kuva kugura cyangwa gutunganywa bwa mbere. Icya kabiri, irinda banyiri amazu guhindagura imitungo byihuse kugirango babone inyungu badashyizeho uburinganire nyabwo.

Kuri banyiri amazu, kuzuza ibisabwa kugirango amafaranga arangire arashobora gufungura imiryango yo kubona amafaranga akomeye. Aya mafranga arashobora gukoreshwa mubikorwa bitandukanye, nko kunoza urugo, guhuriza hamwe imyenda, cyangwa andi mariishoramaris. Ariko, kunanirwa kuzuza ibisabwa byigihe birashobora kuvamo ibyifuzo cyangwa inguzanyo zinguzanyo.

Kuyobora amafaranga-Ibisabwa Ibihe

Kugirango ugendere neza ibisabwa kugirango amafaranga arangire, banyiri amazu bagomba gutegura ingamba zabo zamafaranga hakiri kare. Nibyiza kugisha inama abanyamwuga bashobora gutanga ubuyobozi bujyanye nibihe byihariye. Byongeye kandi, gukomeza amanota meza yinguzanyo no kwemeza ubwishyu bwinguzanyo mugihe gikwiye birashobora kongera uburenganzira bwawe bwo kwishyura amafaranga igihe cyigihe kirangiye.

Mu gusoza, gusobanukirwa nibisabwa kugirango ibihe byogusohora amafaranga ni ngombwa kubantu bose batekereza gutera inkunga amafaranga ku isoko ry’inguzanyo muri Amerika. Kumenyeshwa no gutegurwa, banyiri amazu barashobora gufata ibyemezo byubukungu bijyanye nintego zabo z'igihe kirekire. Buri gihe ujye inama numujyanama wimari cyangwa inzobere mu gutanga inguzanyo kugirango urebe ko wujuje ibisabwa byose kandi ukoreshe neza inzu yawe.