|
1
No es posible vivir bien sin tener alguna mínima base económica. No se puede vivir cómodo y mantener una familia sin aumentar sus ingresos a través del tiempo. Hoy día, pocos oficios cuentan con aumentos de salarios anuales que sobrepasan la tasa de inflación. Sin aumentos de dinero la calidad de vida de su familia empeora año tras año. Muchas guías financieras nos dicen que debemos tener ahorros de un mes hasta de seis meses en formas liquidas. Eso quiere decir que debemos tener dinero en efectivo, en cuentas de banco, u otras formas que se puedan convertir en dinero rápidamente.
Por supuesto, esto es un requisito antes de empezar a conseguir casa propia. Los bancos y otras fuentes de préstamos hipotecarios preguntan en sus solicitudes para préstamos cuanto el prestatario tiene en ahorros y hasta de donde viene el dinero para el pronto. Así, que el ahorrar dinero para necesidades inesperadas es también el primer paso en comprar una casa.
Teo es escritor y agente de bienes raíces. Puede comunicarse con él por internet al [email protected]. Posiblemente no responderá a todas preguntas. El propósito de este artículo es dar información y educar al público. Para consejos especificos a su situación personal consulte un profesional de bienes raíces, finanzas, o leyes.
Wellbeing & Real Estate
By Teodosio Feliciano
There is no place surer than our own home. But how sure are we if that place is not our own?
This is the first article in a series about property and personal improvement. I will write about personal and familial economic development. The series is called Wellbeing and Real Estate because owning property is undoubtedly one of the best ways to have economic security.
No doubt about it, owning property is risky. Too many people have lost all their money buying property. Equally, there is no doubt that the majorities of personal fortunes in this country started with or are based on the ownership of property. Critically look at how owning property will help you establish and keep you financially better off than you are now. It’s impossible to live well without some minimal amount of money coming in the door. Nor is it possible to live comfortably and maintain a family without increasing your income over time.
Today, there are few jobs that you can count on getting an annual salary increase much above the rate of inflation. Without financial increases your quality of life and your family’s finances will worsen from year to year. Many financial guides recommend having from one month to six months income in a liquid form of savings. That is, we should have cash, bank accounts and other savings that can be quickly converted into money.
Coincidentally, this is important when you go to buy your own home. Banks and other sources of mortgage financing ask borrowers in their loan applications how much they have in savings and even where the money for the down payment came from.
By saving money against any emergency, you are also taking a very important first step toward bettering your financial condition and buying a home.
Teo is a writer and real estate agent. He can be contacted by e-mail at [email protected]. He may not be able to answer all inquiries. This article is for public information and educational purposes only. For advice about your specific circumstances please consult a real estate, finance, or legal professional.
|
