Ngaphandle kokuba ungumthengi wokuqala wekhaya, uhlala nabazali bakho, okanye uthathe indawo yokungena kwilizwe lokurenta, kukho ithuba elihle lokuba kuya kufuneka ubambe ibhalansi phakathi kokuthengisa ikhaya lakho ngoku kunye nokuthenga ikhaya elitsha ngexesha elifanelekileyo.
Ukuthenga nokuthengisa indlu ngaxeshanye bubugcisa kunye nesayensi. Nokuba kuya kufuneka uyizame okanye hayi ngokuyinxenye kuxhomekeke kwimeko yezemali (kunye nokuqina kwengqondo). Nazi izinto ezine zokwazi malunga nokuthenga kunye nokuthengisa ngaxeshanye, ukusuka ekucwangcisweni kwemicimbi ukuya kumagatya eengxaki.
Ayisiyo eyentliziyo etyhafileyo
Ngokuqinisekileyo ulungiselelo kunye nexesha kunokuba nzima, kunye nokulungiselela imali xa ulinde imali kwintengiso oza kuyibeka endlwini, utshilo uTroy Palmquist, umnini we Idilesi yeNdawo yokuThengisa izindlu eAgoura Hills, eCalif.Uthi amanqanaba oxinzelelo kunye nenqanaba lokungaqiniseki liphindwe kabini kuba kukho ithuba lokuba into ihambe gwenxa nokuba yeyiphi na okanye yomibini intengiselwano.
Unokuphela kufuneka uhambe kabini ukuba elinye ityala liyavalwa kwaye elinye alikho. Ukuba ubuya kudwelisa indlu yakho kwaye ungekayithengi okwangoku, kwaye uyithengise ngeentsuku ezintlanu, kuyakufuneka ufumane indawo yokuhlala de ufumane elinye ikhaya, uyachaza uJosh Latham, iarhente yokuthengiswa kwezindlu kunye nomlawuli wentengiso ye I-RE / MAX ePhucukileyo yeNene eIndiana. Nokuba ufumana ithamsanqa kwaye kwangoko ufumane indlu oyithandayo, uthi kuyakufuneka uhambe uhlolo kunye novavanyo-kwaye awazi ukuba oko kungabandakanya ntoni.
Le nkqubo ayiyonto eyityhafileyo, ngokuqinisekileyo, kodwa thabatha induduzo kwinto yokuba isenzeka ngalo lonke ixesha kwaye inokudlala ngokugqibeleleyo, utshilo uLatham.
Zilungiselele ukulibaziseka — kwaye abo balibaziseko bande
Nangona kunjalo, uLatham ulumkisa ukuba kufuneka uzilungiselele imiqobo yendlela kunye neengozi. Imizekelo ibandakanya ukuwa kwemali, ukuvavanywa kungavunyelwanga, ukuvavanywa kuza ezantsi, okanye umthengi uphulukene nomsebenzi wakhe kwiintsuku ezimbini ngaphambi kokuvalwa kwaye yonke into iyaqhubeka, utshilo.
Ukuba kukho enye yezi ziganeko eyenzekayo, unokugqibela ngokuguqula amatyala obambiso ade abe omabini la manyathelo asondele. UTalbot Sutter, umongameli kunye nomrhwebi eSutter & Nugent Real Estate eMzantsi Florida, ubhekisa kule meko njengempembelelo yeqhwa, kuba ukulibaziseka okanye ukongezwa kungakhokelela kolunye ulibaziseko okanye ulwandiso, kwaye enye ukulibaziseka okanye ukwandiswa. Ngalo lonke ulwandiso-ngakumbi xa kubandakanyeka imali-kukho ukuzibophelela kwimali mboleko, iitshixo zerhafu, ixesha elibekiweyo lesicelo, kunye nezinye ezininzi izinto eziya ekuvaleni Zonke zinokuchaphazeleka kwaye kufuneka kuvunyelwene ngazo ukuba zitshintshiwe.
Ukuzixhasa ngemali nako kunokuba yinto ebalulekileyo xa ujikisa amakhaya amabini. Ukufumana imali ngaxeshanye kunokuba yingxaki, kwaye oku kunokubandakanya imali yokuyila, umboleko webhulorho, okanye ukusebenzisa i-HELOC njengentlawulo ephantsi kwaye uyihlawule xa kuthengiswa ikhaya lakho, uthi UJonathan Lerner , ongumnini weeNdawo eziHlanu zeekona eScarsdale, eNew York.
Ukujongana nazo zombini iinkqubo kunokukhokelela ekukhathaleni
Uchitha ixesha elininzi kunye namandla xa uthenga kwaye ukuthengisa ngaxeshanye. Kwelinye icala, kufuneka ugcine ikhaya lakho langoku libonakala ngalo lonke ixesha, elinokuba ngumceli mngeni ukuba unosapho okanye usebenza ekhaya. Uyakufuna kwakhona ubhetyebhetye bokuwushiya xa abathengi abanokubakho befika kukhenketho.
Kwelinye icala, kuya kufuneka ubeke ixesha lokuba ujonge ezinye iipropathi ngokwakho. Ngayo yonke le nto yokujinga, unokudinwa ngokukhawuleza. Oku kunokukhokelela ekubeni uhlale kwindlu ongonwabanga ngayo, uhlawule imali eyongezelelweyo ngendlu entsha, okanye wehlise ixabiso olifunayo kwikhaya lakho langoku, ukuze ufumane inkqubo kwaye ubuyele kwimeko yesiqhelo.
Ukongeza isigatya esingalindelekanga ngekhe sisombulule zonke iingxaki zakho
Ukuhlawula iimali-mboleko ezimbini-enye yekhaya lakho langaphambili kunye nekhaya elitsha-ngexesha elifanayo ngokucacileyo akulungile. Kodwa abanye abantu bazimisele ukwenza oku ukwenza utshintsho lube lula.
Ngelixa ukuhlawula iimali-mboleko ezimbini kwiinyanga ezimbalwa kungabonakali ngathi yinto enkulu kwisikimu esikhulu sezinto, akukho siqinisekiso sokuba ikhaya lakho lakuqala liyakuthengisa ngokukhawuleza, utshilo uLerner.
Ukuthintela iingxaki, abanye abathengi bongeza igatya lemeko apho ukuthengwa kwekhaya elitsha kuxhomekeke kwintengiso yekhaya langoku. Le inokuba yindlela elungileyo yokuzikhusela kunye nemali yakho, kodwa inokuba yingxaki. Kwindawo yentengiso yanamhlanje, sibona uluhlu olulinganiselweyo lubangela iimeko ezininzi zokubhida, ngenxa yoko kubalulekile ukuba uhlale unikezela owona mfanekiso mhle wezezimali kumthengisi wasekhaya, utshilo uLerner. Ukuba ukhuphisana nomthengi wemali okulungeleyo ukuvala ngokukhawuleza kwaye engenangxaki, uya kuba sengxakini.
Ukuze olu hlobo lokuvala luhambe kakuhle, umninimzi kufuneka abe nokuzithemba ukuba ikhaya lakhe langoku alinakho okungxamisekileyo kwintengiso kwaye liza kuvalwa, utsho URobert Callan Omnci ., Umthengisi wezindlu kuMcGuire Real Estate eSan Francisco. Uthi kulula ukongeza into engalindelekanga kwintengiso yomthengi. Nangona kunjalo, ukuba kukho into engalindelekanga kwintengiso yekhaya lomthengi, kusenokufuneka ubeke amabhidi aphezulu kunokhuphiswano lwakho ukuze ulinganise isibheno esibi semeko yakho.
