Oko kwakubonakala ngathi kukungathandeki kwabasebenzi ngexesha loqoqosho olunzima kuye kwaba yinto yokuhamba. Baninzi kunakuqala abantu abafudukela kumakhaya amancinci-izindlu ezingaphantsi kweenyawo ezingama-400. Kwaye unikwe indleko eziphezulu zokuphila eMelika, iyavakala.
Ngokwe-US Census Bureau , nini ilungelelaniswe nokunyuka kwamaxabiso , ixabiso eliphakathi ekhaya lixabisa malunga ne-197,430 yeedola ngo-1973. Ngaphandle kokunyuka kweenkwenkwezi kwiindleko zamakhaya, umvuzo wengeniso e-U.S kuye kwehla ngaphezulu kwe- $ 700 xa kulungelelaniswe ukunyuka kwamaxabiso. Oku kudityaniswe nenyaniso yokuba ngokomyinge wobungakanani bendlu iye yehla ukusuka ku-3.01 ukuya ku-2.64 kubonakala ngathi yenza ukuba ubomi obuncinci bube nomtsalane ngakumbi.
Amaxabiso ezindlu awanakufikeleleka kufuneka sijonge ezinye iindlela zokudala ukusombulula le ngxaki, utshilo uJeremy Beasley, umlawuli Incinci intle: Indlu encinci yoXwebhu . Izindlu ezincinci zibonelela ngesakhono esikhulu sokunceda ukuqinisa ngaphandle kokufuna ukwakha izindlu okanye ukuwisa izakhiwo ezikhoyo.
Kodwa into abantu abaninzi abangayiqondiyo kukuba akukho siqinisekiso sokuba ukuhlala encinci yeyona ndlela inoxanduva kwezemali. Apha, iindleko ezisixhenxe ezifihliweyo kunye neengxaki zokwakha kunye nokuba nomzi omncinci.
BukelaUNicolette noMichael's 318 Sq. Unyawo Lwasekhaya | Ukhenketho oluncinci1. Kunzima kakhulu Ukufumana iMali mboleko
Ukuxhaswa ngezimali yenye yezona zithintelo zikhulu kubantu ukuze bakwazi ukuhlala kumakhaya amancinci, utsho UZack Giffin , umkhosi weTiny House Nation. Ngokungafaniyo nokuthenga ikhaya eliqhelekileyo, kunzima kakhulu ukufumana imali mboleko okanye imali mboleko. Ngoba? Ikhaya elincinane eliqhelekileyo lithathwa njenge-trailer eguqulweyo, ucacisa uGiffin. Kunzima kakhulu kwibhanki okanye kwinkampani yezemali ukulinganisa ixabiso lolo, kwaye ngaphandle kokukwazi ukulinganisa ixabiso, ukufumana imali mboleko yexabiso lekhaya phantse akunakwenzeka.
Abathengi abanokubakho banokujikeleza oku ngokubhalisa ikhaya labo elincinci njengeRV eqinisekisiweyo (RIVA). Kodwa kukho enye ityhubhu ebomvu yabahlali abaqinisekisiweyo be-RV- iimali mboleko ze-RV zihlala zikuthintela ekuqinisekiseni ikhaya lakho kwisiseko sendabuko, kwaye imithetho e-US yenza kube nzima kakhulu ukufumana indawo yokupaka i-RV ngaphezulu kweentsuku ezingama-30 ngexesha.
Olunye ukhetho kukubolekwa kwemali buqu, nangona ezi ntlobo zemali mboleko zihlala zinamazinga aphezulu enzala kwaye zifuna ukuba obolekayo abe nekhredithi elungileyo.
Ithetha ntoni i-711
Ukuba uqesha ikhontraktha ukwakha ikhaya lakho elincinci, ukuxhasa ngemali ngokuthe ngqo kumakhi kunokuba yeyona ndlela ifikelelekayo, utshilo uGiffin.
2. Kunzima ukufumana indawo yeKhaya lakho elincinci
Ke ufuna ukwakha indlu encinci ehlala ihleli-enye enesiseko sekhonkrithi? Umthetho wangoku unokwenza oku kube nzima, utsho uGiffin. Kuya kufuneka ujikeleze imithetho eyenza ukuba kube nzima ukuyithobela [nemigaqo yekhowudi yokwakha]. Cinga ukuphakama kwentloko, nokuba ileli inokusetyenziswa eluphahleni, iimfuno zomgaqo, kunye neemfuno zomlilo.
Ukukhetha ikhaya elincinci elihambahambayo kwaye ulibhalise njenge-RV yindlela yokuthintela le migaqo, kodwa emva koko ujongane nengxaki yokuhambisa ikhaya lakho rhoqo ngeentsuku ezingama-30, utshilo uGiffin. Ukufumana indawo yokuhlala, ngelishwa, kuhlala kubanjwa ama-22 kubahlali abancinci basekhaya.
3. Ukwakha kubiza imali eninzi kakhulu
U-Giffin uqikelela ukuba ixabiso lokwakha ikhaya elincinci libe malunga ne-300 yeedola kwenyawo nganye. Ngo-2016, i Ixabiso eliphakathi kwinqanaba lonyawo Kwikontrakta eyakhiwe indlu eMelika yayiyi- $ 101.72. I-avareji yeendleko zenyawo nganye isikwere ingaphezulu kuba udibanisa yonke into kwindawo encinci, utsho uGiffin. Kulwakhiwo uninzi lweendleko zikwiinkcukacha. Kwaye amakhaya amancinci afuna iinkcukacha ezininzi ezincinci ukuze zisebenze ngokupheleleyo. Xa une 2,000 okanye ngaphezulu iinyawo zesikwere onayo, indawo echithiweyo ayisiyiyo kangako ingxaki.
Xa uzama ukulingana nekhaya lonke-nayo yonke into umntu ayifunayo ukuze aphile kamnandi- kwii-square zenyawo ezingama-400, kuya kufuneka ukuba ube nolwazi ngakumbi kuyilo kunye nokusebenza. Naluphi na uyilo olukhulu ludibaniso lwefom kunye nomsebenzi, utsho uBeasley. Eqhelekileyo inezitepsi eziya eluphahleni kwakhona iphindwe kabini njengokugcinwa. Okanye isingqengqelo esiphindwe kabini njengebhedi, kunye nokugcinwa ngokunjalo. Imalunga nokuphinda ucinge umbono wekhaya kunye nendlela yokusebenzisa indawo. Kodwa ukwakha ezi zisombululo zinobuqili zihlala zifuna ubuchwephesha bokuchana-into oza kuyibhatala ipremiyamu.
4. Uya kuhlawula ngakumbi izixhobo
Izixhobo-i-HVAC, imibhobho, iinkqubo ze-septic-zezona ndawo zibiza kakhulu malunga nokwakha ikhaya elincinci kude, utshilo uGiffin. Kuba amakhaya amancinci anjalo, izixhobo ezingena kwezi ndawo zihlala zisebenza ngamandla, zihambelana kwaye zinemisebenzi emininzi. Kuba ezi zizixhobo ezikhethekileyo, uyakuhlawula ipeni entle kubo.
5. Unokufuna imoto entsha
Ngaba ucinga ukuba ungadibanisa ikhaya lakho elincinci ukuya kwimoto yakho kwaye ubethe indlela? Cinga kwakhona. Amakhaya amancinci akhiwe kakuhle kwiitreyila zentsimbi akulungele ukuba sendleleni, utshilo uGiffin. Kodwa ezo ziseko zentsimbi zinzima kakhulu-zinzima kakhulu kwimoto esemgangathweni. Kwiimeko ezininzi, uyakufuna ilori enesidima ukurhuqa ikhaya lakho. Kwaye ungalibali ukufaka kwiindleko zegesi ezongezelelweyo ezihambelana neloli enkulu kunye nokutsala umthwalo onzima.
Ithetha ntoni i-111 kwibhayibhile
6. Ukuqinisekisa ngeKhaya lakho kunokuba nzima
Ukuqinisekisa ukuba indlu encinci iyinkimbinkimbi kunokuqinisekisa ukuba indlu esemgangathweni. Nokuba abahlali bamakhaya amancinci abanamava abayiqondi ngokupheleleyo. I-inshurensi iluhlobo lwendawo yonke ngoku, utshilo uHaley McCormack, umnini Ikhaya elincinane leenyawo ezili-100 ePennsylvania . Abantu abaninzi abazi ukuba bayiphatha njani. Okwangoku ezethu zigutyungelwe njengenxalenye yomgaqo-nkqubo werente, kodwa ayonelanga kwaye yinto esisasebenza kuyo.
Ukuba ikhaya elincinci lisekwe ngokusisigxina, ezinye iiarhente zeinshurensi zinokubonelela ngogqatso. Nangona kunokubakho imigqaliselo, njengekhaya elincinci alinakuba yindawo yokuhlala ngokusisigxina, enokuthi, kwiimeko ezininzi, iyenze ingenzeki loo nto.
Ukuba ikhaya elincinci likwisiseko esishukumayo, ikhaya linokufanelekela i-inshurensi ye-RV, kodwa isatifikethi seRV sihlala sifuneka.
Ngenxa yobunzima obunxulunyaniswa nokufumana i-inshurensi kumakhaya amancinci, kukho isivuno esivelayo seenkampani-ezinje nge-Tiny House Insurance-ezijolise kule ndawo kwaye zizabalazela ukunceda abanini khaya abancinci ukuba bakhusele ezona asethi zabo zibalulekileyo.
7. Ukuhlawula kwakhona kuyinkimbinkimbi ngakumbi
Nokuba unayo into encinci yokuphila okanye ufuna nje ikhaya elitsha elitsha, ukuphinda utyalomali lwakho kunokuba ngumceli mngeni. Awunakulindela ukuba [ikhaya elincinci] lixabise ngendlela onokulindela ukuba ipropathi lixabise ngayo, utsho uGiffin. Kodwa, ukanti, ixabiso lifanelekile kuninzi. Abantu abaninzi bajonga amakhaya abo njengotyalo mali. Ngokuphila okuncinci, kuyehla inkululeko kuzo zonke izinto ozihlawulayo ezinganikeli kulonwabo kunye nokwenza izinto ozithandayo.
