Kuqala, isibhengezo: Kuya kufuneka, uphile ubomi bakho ngexesha lakho. Kodwa, ukuba unomdla malunga nexesha eliphakathi labathengi basekhaya, isifinyezo esivela kwi Umbutho weSizwe weeRealtors ityhila ukuba ingama-32. Ukufumana okuthe kratya… umyinge wemali engenayo yomthengi wekhaya ophakathi uyi- $ 75,000, amakhaya abo ayizikwere ze-1,640, kwaye bachitha i-190,000 yeedola kwipropathi yabo yokuqala. (Ukuba elo xabiso lentengo libonakala liphantsi, qaphela ukuba kuphela iipesenti ezili-17 zabathengi bokuqala bemakhaya abathengwa kwiindawo ezisezidolophini).
Kwakhona, kwaye siqhuba ngenene kweli khaya, kuya kufuneka uthenge ikhaya xa kusengqiqweni kuwe. (Ngapha koko, Nazi izizathu ezifanelekileyo zokungathengi indlu).
Kodwa ukuba uyafuna ukusebenzisa iminyaka engama-32 njengobudala ekujoliswe kubo ekubeni ngumninikhaya, ungaqala ukuthatha amanyathelo ezemali ukuya apho-nokuba oko kuthetha ukuceba ukuthenga indlu kwiinyanga ezintandathu okanye kwishumi leminyaka.
Sacela iingcali zezezimali ukuba ziboleke ezona ngcebiso zibalaseleyo zokuvumelanisa iimali zakho nexesha lakho lokuthenga ekhaya. Nazi iimali ezihambayo ekufuneka uzenzile ukuba unqwenela ukuba ngumninikhaya.
Ukuba ama-32 ayiminyaka eli-10 ubudala…
Yazi inkqubo yokuthenga ekhaya
Ngoku lixesha elifanelekileyo lokufunda iziseko zokuthenga indlu, utshilo u-Alan Magno, usekela-mongameli kunye nomcebisi omkhulu wemali mboleko yokuhlala Ibhanki yaseMelika yoLondolozo eHawaii. Njengoko udipha iinzwane zakho kwintengiso yezindlu, qhubeka uye kwizindlu ezivulekileyo kwaye ufunde ngezicelo zemboleko, ucebisa. Oku kunokukunceda ukukhuthaza ukuba ubekele bucala ingxowa mali yendlu yexesha elizayo.
Qalisa ukwakha ikhredithi yakho
Imeko yomntu wonke yezemali yahlukile. Ngelixa abanye benakho ukuqala ukonga indlu, abanye banokufuna ukubuyisa imali mboleko yomfundi kwaye babeke phambili ekuphumeni ematyaleni. Kodwa idinomineyitha enye isebenza kubo bonke? Khathalela ngokukodwa ikhredithi yakho-ukusukela ngoku kude kube kuvalwa kwaye emva koko, nasemva koko. Ngoku lixesha elifanelekileyo lokuqala ukuseka ikhredithi ngokuvula ikhadi lekhredithi kwaye uhlawule imali eseleyo inyanga nenyanga, utshilo uBrentnie Daggett, ingcali yerente e Rentec ngqo , iwebhusayithi yolawulo lwepropathi. Kwakhona, hlala ngaphezulu kwezo ntlawulo zemboleko-mali yabafundi ukuze abo baphosiweyo bangaphazamisi ikhredithi yakho, utshilo.
Ukuba ama-32 ayiminyaka emi-5 uhambe…
Fumana i-savvy malunga nekhredithi yakho
Inqaku lakho letyala liya kudlala indima enkulu kubuchule bakho bokuthenga ikhaya, ke-ukuba awukabikho-qala ukunika ingqwalaselo ethe chatha. Gcina kwaye ulawule amanqaku akho etyala ngokusebenzisa ikhredithi yakho ngokufanelekileyo, uhlawule amatyala akho ngexesha kwaye uphephe ukuhlawula kade okanye ukungaphosi, utsho uMagno. Khumbula, kungathatha ukuya kwiminyaka esixhenxe imigwebo Ukucocwa kwingxelo yakho yamatyala.
Misela inkonzo yokubeka iliso kumatyala
Ngale ndlela, unokubeka iliso kwingxelo yakho yamatyala kwaye ukulungele ukuphikisana okanye ukulungisa naziphi na izinto ezenziwa yikhredithi yakho, utshilo u-Anselm Clinard, ingcali yearhente yomthengi Inkundla + yeKurt Real Estate yeQela eCompass .
Ukuba ama-32 akasekho kunyaka omnye…
Fumana umthengisi wezindlu
Lixesha lokuba kuqulunqwe amalungu eqela lakho lokuthenga ekhaya. Fumana umntu onamava umthengisi wezindlu okanye umthengisi Ngubani owaziyo kwimarike apho ufuna ukuthenga khona indlu, ucebisa uMagno. Kwakhona, uthi, jonga igosa lemali mboleko elaziyo malunga neenkqubo ezinokukunceda, kubandakanya neenkqubo zoncedo lwenkxaso kunye nezinye iinkqubo ezinokunceda abathengi bexesha lokuqala.
Cinga ngegig esecaleni
Ukuba awunayo imali eninzi eseleyo inyanga nenyanga oza kuyifaka kulondolozo, cinga ngokuthatha icala. (Ngokwenyani, le yinto onokuyenza kwiminyaka emihlanu kwangaphambili). Akunyanzelekanga ukuba unikezele ngobusuku bakho nangeempelaveki ukuze wenze umsebenzi wesingxungxo, utshilo ingcali yezemali yabathengi UAndrea Woroch . Unokwenza i- $ 1,000 ngenyanga ngenja ehleli kwiindawo ezinjengeRover.com okanye wenze imisebenzi engaqhelekanga oyifumana kwi-TaskRabbit.com.
Ukuba u-32 ukwinyanga ezi-6…
Fumana ikhredithi yakho kwimilo ephezulu
Amanqaku akho etyala awazukuchaphazela kuphela inzala yakho, kodwa kunye ne-inshurensi yakho yokubambisa (PMI) ukuba ubeka ngaphantsi kweepesenti ezingama-20 ezantsi, uyachaza URobert E. Tait Igosa eliphezulu lemali mboleko kwiAllied Mortgage Group. Tsala ikhredithi yakho, kodwa ungaxhomekeki kwiingxelo zekhredithi yomntu wesithathu. Endaweni yoko, fumana esemthethweni ycvdangisa.com -Simahla kanye ngonyaka kwaye itshekisha iiofisi ezintathu eziphambili. Ngokufanelekileyo, unokuqhuba ngetyala lakho ukuya kuthi ga kwi-740, utshilo uTait. Yiya ingxelo ngokweenkcukacha, ukhangele nantoni na ehlambalazayo, njengokuhlawula kade, ingqokelela, ii-liens, okanye ukugweba. Wayekade enomthengi owayeneeakhawunti zokuqokelela i-17 ngokuchasene naye. Bonke, bachitha iiyure ezininzi bebiza iiarhente zokuqokelela kunye nokuhlawula iiakhawunti. Amanqaku akhe anyukile ukusuka kuma-533 ukuya kuma-659 kwinyanga ezintlanu.
Sukuthenga izinto ezinkulu ngaphandle kokubonisana nombolekisi wakho
Inokuba nefuthe elibi kumyinge wakho wengeniso-mali kunye nokuba uza kukwazi ukuboleka malini kwindlu yakho, uyachaza. Isilumkiso esifanelekileyo: Ukuhlawulwa kweemoto ezingama-400 kunganciphisa ukubanakho ukuboleka nge- $ 73,500, enokuthi yenze umahluko omkhulu kuluhlobo luni lwekhaya onokulithenga okanye kubamelwane oza kujonga kubo, utshilo uTait.
Yiba nolwazi ngakumbi ngendlela oyisebenzisa ngayo imali yakho
Ingqiqo inokukuxelela ukuba uhlawule ityala lekhadi letyala ukuze ube ngcono amanqaku akho etyala. Kodwa kunokuba nengqondo ngakumbi ukusebenzisa imali oyikhewule kude kuyo ukwenza intlawulo enkulu ezantsi okanye ukunceda ngeendleko zokuvala. Ezi zizigqibo umbolekisi wakho anokukunceda ukuba uzenze, utshilo uTait.
Yiya kwinkqubo yangaphambi kokufumana isiqinisekiso
Inkqubo yokulungela kwangaphambili linyathelo lokuqala lokufumana imali mboleko yekhaya. Ukudibana nombolekisi kunokukunceda ubone ukuba loluphi uhlobo lwemali mboleko onokuthi ululungele, ucacisa uMagno. Inyathelo elilandelayo libaluleke kakhulu inkqubo yokuvunywa kwangaphambili , kwaye oko kuyenzeka xa uqala ukuqokelela amaxwebhsimali anje ngestub, imirhumo, kunye neengxelo zebhanki.
Intsingiselo ye-7/11
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