Ukuba ungaphantsi kweminyaka engama-30, ukuthenga ikhaya kunokuvakala ngathi liphupha elifezekileyo: Bambalwa abantu abaphakathi kweminyaka engama-25 ukuya kwengama-34 abathenga amakhaya ngoku xa kuthelekiswa nezizukulwana ezindala ngelo xesha, ngokwe Ingxelo kaJulayi 2018 ovela kwiZiko leDolophu. Kwaye ukuba ujongene namatyala emali mboleko yomfundi, unokuziva uziva ushukunyiswe kakhulu: Ngokwengxelo ka-Okthobha ka-2018 evela kwiMagnify Money, indawo ehambelana nokuBolekaTree, amakhaya ewaka leminyaka anetyala labafundi aqokelele, kwi-avareji, i-85,289 encinci yobutyebi kune oontanga babo abangenatyala.
Kodwa ngaphandle koku, uninzi lwemillennials, enyanisweni, luyathenga amakhaya. Nangona iipesenti ezingama-54 zabathengi bamakhaya basezidolophini bekwenzile oko benesiphiwo semali, abantu abaninzi abangaphantsi kweminyaka engama-30 bayiphumezile i-American Dream ngemali yabo-nkqu nangemali mboleko yabafundi.
Zilunge kangakanani emalini? Endaweni yokuthumela, ndaya ngqo emthonjeni: Ndathetha nabantu abalishumi elinababini abathenga amakhaya ngaphambi kwe-30 malunga neengcebiso zabo ezilungileyo zemali. Apha, iingcebiso ezintlanu eziqhelekileyo:
1. Hlala phantsi kunemali onokufikelela kuyo
U-Ashley Auwerter wayengumama ongatshatanga oneminyaka engama-21 ubudala xa wayethenga ikhaya lakhe lokuqala nge-99, 000 yeedola eRipid City, eSouth Dakota, ngo-2008. uhlahlo-lwabiwo mali. Bendingafuni ukuyicaphukela intlawulo yam yemali mboleko, utshilo.
Gcina Ncamathisela Bona eminye imifanekiso (Ityala lemifanekiso: Unyango lweNdlu)
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Kunzima ukuqikelela ubomi, kodwa zama ukufumana intlawulo yokubambisa eshiya igumbi lotshintsho olungalindelekanga. UAlexandra Collins wathenga ikhaya lakhe lokuqala kunye nomyeni wakhe eSeattle, eWashington, eneminyaka engama-26 ubudala xa wayesebenza kwinkampani enkulu yetekhnoloji. Ngoku ukuba uqalile ishishini lakhe, imali mboleko kwikhaya labo le- $ 433,000 ayisasebenzi ngengqondo kuhlahlo-lwabiwo mali.
Isifundo esikhulu kukungazivaleleki kwimeko enje ngathi ukuba ucinga okanye uyazi ukuba iimeko zakho ziya kutshintsha, utshilo.
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Gcina Ncamathisela Bona eminye imifanekiso (Ityala lemifanekiso: Unyango lweNdlu)
Ngamanye amaxesha, ukungawuthiyi umboleko wakho wobambiso kuthetha ukuhlala kwindlu efanelekileyo ngokwaneleyo. Ngo-2011, uAllison Driscoll, Realtor, kunye nomyeni wakhe bathenga ikhondomu eyayixelwe kwangaphambili ngeedola ezingama-63,000 ngeepesenti ezingama-20 zokuhlawula xa wayeneminyaka engama-23. Esi sibini senza isivumelwano sokuthenga into efikelelekayo:
Iindonga zazibonakala ngathi kukho umntu otshaye iminyaka eli-100 endlwini. Ipeyinti emhlophe nephuzi emhlophe kuyo yonke into, utsho. Yena nomyeni wakhe sele bethengisile ikondoni kwaye bathenga indlu entsha, besebenzisa isibonelelo esivela kwikhondomu yabo yangaphambili njengenxalenye yentlawulo.
UBeth Jones wathenga indawo yokulungisa ephezulu eneminyaka engama-25 kwaye wayilungisa yonke ingaphakathi. Ngoku yenziwe ngovuselelo, angalonwabela ikhaya lakhe kunye nexabiso alakhele kulo. Emva kokuba yonke into yenziwe, ndakha malunga ne-60,000 ye-sweat equity equity. Ndigcine isixa esikhulu kakhulu esenza indlela yokuhlaziya kunokuthenga isitshixo sokujika, utshilo.
2. Kuyahlawulela ukuba ne-hustle esecaleni
Uninzi lwabanini bamakhaya abancinci endiye ndathetha nabo basebenze nzima kakhulu ngaphezulu kwemisebenzi yexesha elizeleyo ukugcina imali yamakhaya abo.
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U-Liz Enriquez wase Hamilton, e-Ontario, wasebenza njengomphathi weendaba zosasazo ebusuku nangeempelaveki emva komsebenzi wakhe wokuhlalutya imakethi. Ndisebenza njengeentsuku ezili-12 ukuya kwezi-14 zeeyure, u-Enriquez uthi. Ndiwuphinda-phinde kabini umvuzo wam ngokuhamba ecaleni kwam, ngoku ngumsebenzi wam osisigxina.
Gcina Ncamathisela Bona eminye imifanekiso (Ityala lemifanekiso: Unyango lweNdlu)
Umsebenzi owongezelelweyo uhlawulwe. Wabeka iipesenti ezingama-20 phantsi kwentlawulo yokuthenga ikhaya lakhe elingama-240,000 ngo-2016 eneminyaka engama-24.
3. Sebenzisa amakhadi etyala ngobuchule
Nangona abanye abantu besenokuhlala kude ekufumaneni ityala letyala, uninzi lwabanini mizi abancinci endibajongileyo bathi basebenzise izibonelelo zamakhadi etyala ukonga imali qho ngenyanga:
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Njengomama ongatshatanga, iAuwerter ngamanye amaxesha isebenzisa amakhadi etyala ukwenza ukuthenga okukhulu. Elona xesha ndilisebenzisayo kukunyusa i-0% ye-APR, utshilo. Ndithatha iyonke kwaye ndohlulahlula ngokwamabinzana entengiso. Ke, ukuba ibiziinyanga ezingama-21, ndingahlula-hlula nge-21 kwaye leyo yintlawulo yam yenyanga.
U-Lance Cothern, owathenga ikhaya lakhe lokuqala eneminyaka engama-24 ePanama City Beach, eFlorida, wabelana ngamakhadi okuthenga ngetyala angama-23 kunye nenkosikazi yakhe kodwa akaze abe nemali eseleyo. Ukuba unayo ingqeqesho kwaye uyazi ukuba awuzukusebenzisa ikhadi lakho letyala ngaphezulu kokuba ubuya kuhlawula ngekheshi okanye ikhadi lebhanki, ndingathi yiya ngalo kwaye uthathe ithuba lokufumana umvuzo, utshilo. Kutshanje basebenzise imivuzo yokuthatha unyana wabo kuhambo olukhululekileyo ukuya kwiDisney World.
4. Ityala lemali mboleko yomfundi akufuneki likubambe umva
Unokufuna ukuhlawula imali mboleko yakho yomfundi ngaphambi kokuba uthathe imali mboleko, kodwa abantu abaninzi endibavavanyileyo babesele benetyala lemali mboleko yomfundi xa bathenga ikhaya labo lokuqala. Ababodwa: A Ingxelo yakutshanje kwiSebe lezeZindlu noPhuhliso lweeDolophu e-US lafumanisa ukuba abantu bathatha iimali mboleko ze-FHA ngamatyala amaninzi (mhlawumbi lawo avela kwimali mboleko yomfundi). Ukongeza, ngoJuni ngo-2018, uhlalutyo lweCoreLogic lwafumanisa ukuba ababolekisi abaqhelekileyo babambisi babesenza lula iimfuno zokuvunywa.
Kwaye nangona iimali mboleko zabafundi zinokucaphukisa kwaye zibize, banokukunceda ugcine imali kwi-mortgage yenzala ekuhambeni kwexesha. Njani? Ukwenza intlawulo yemali mboleko yomfundi engaguqukiyo iyanceda ukuqhuba amanqaku akho etyala. Umzekelo, uDriscoll wakha eyakhe ngokwenza intlawulo rhoqo kwi-75,000 yeedola zemali mboleko yomfundi kunye nokugcina ikhadi elifanayo letyala ukusukela ekholejini.
UCothern wayengenayo imali-mboleko yomfundi, kodwa umfazi wakhe waqokelela i-80,000 yeedola kwimali mboleko yomfundi evela kwisikolo sabongikazi. Usebenzisa umthetho wokuba irente kufuneka ibe sisinye kwisithathu somvuzo wakhe, wafumana irente enexabiso eliphantsi kwaye wagcina umohluko. Endaweni yokuchitha loo mali kwenye into, ndithathe umahluko ndawabeka kwiakhawunti yokonga inyanga nenyanga, utsho. Le ndlela yamnceda wonga ngokwaneleyo kwikhaya lakhe lokuqala ukuhlawula kunye nokwenza intlawulo engaguqukiyo kwimali mboleko yomfazi wakhe.
5. Yahlula-hlula inkcitho nanini-kwaye ke- kunokwenzeka oko
Ukuthenga indlu kunokuba nzima — kwaye kubize — wedwa. U-Kate Ziegler, u-Realtor wase-Boston, kunye neqabane lakhe, u-Jack Romano, bathenga ikhaya leeyunithi ezine zeentsapho ezininzi kunye eBoston, eMassachusetts, xa beneminyaka engama-28 nama-29. Benza uninzi lohlaziyo ngokwabo. Kunye kunye, bekukuninzi ekufuneka kuqhubeke. Andikwazi ukucinga ukuba siye saqala ukuthengwa kwethu njengomntu ongatshatanga, uZiegler uthi.
Gcina Ncamathisela Bona eminye imifanekiso (Ityala lemifanekiso: Unyango lweNdlu)
UCaroline Schmitz, umphathi weakhawunti ephezulu waseNashville, eTennessee, uthenge i-fixer-home ephezulu ngokuzimela, kodwa isoka lakhe, u-Justin, owayenemvelaphi yokwakha, wanceda kulungiso. Sifumene ikhaya elinamathambo amahle kunye nekhitshi elibi kwaye sibeke yonke imizamo yethu ekuvuseleleni ikhitshi kunye nendawo yokuhlambela apho uninzi lwamashishini alala khona, utshilo.
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Ukuba awunalo iqabane, inkxaso yosapho inokukunceda ufezekise ubunini bendlu-nokuba abanayo imali yokunceda ngentlawulo ephantsi. UChristina Fowler wayesebenza njengestylist kwi-intanethi kwaye esenza intengiso ezizimeleyo xa wayethenga ikhaya lakhe lokuqala eSacramento, eCalifornia, ngo-2017 eneminyaka engama-24 ubudala. -usayine ubambiso. Ndiceba ukuphinda ndibuyekeze kwimali mboleko eqhelekileyo ngaphandle kwabazali bam kuyo ngokukhawuleza, utshilo.
Gcina Ncamathisela Bona eminye imifanekiso (Ityala lemifanekiso: Unyango lweNdlu)
Kwaye unokwenza ukuba imali yakho yobambiso ifikeleleke nangakumbi ngokubamba indlu, nayo. ULindsay Krämer, umbhali ozimeleyo, kunye nomyeni wakhe bathenga i-325,000 yasekhaya yeentsapho ezininzi kwi-2018 leyo ibanceda babhatale ubambiso lwabo . Elinye icandelo lekhaya labo elinamacandelo amabini eBloomfield, eNew Jersey, ngoku liqesha i $ 1,250. Irente abayihlawulayo ngokusisiseko inciphisa intlawulo yokubolekwa kwemali esiqingatha, utsho. Ukuba besizixhasa ngokwethu le ndlu, besiya kubotshelelwa rhoqo ngenyanga. Besingenako ukugcina.
