Kuye kwagrunjwa entlokweni yakho ukuba ubunini bendlu yi-American Dream, akunjalo? Kuyaqondakala ukuba, ukuthenga indlu kuhlawulwa njengenye yezona zinto zibalulekileyo ebomini. Kodwa into engakhange ibonakale ngathi ayizukuthatha isigqibo esifanelekileyo kuwo wonke umntu. Ngelixa abanye abantu baseMelika bengenakuphupha hayi ukuba nekhaya, kutshanje Uphando lwe-Bankrate ifumanise ukuba i-44 ipesenti yabanini bamakhaya-kunye neepesenti ezingama-63 zabanini bezindlu zeminyaka-bazisola ngokuthenga izindlu.
Ukukunceda uqiniseke ukuba awuyi kuwela kolu luhlu, le yimibuzo esi-8 ekufuneka uzibuze yona ngaphambi kokuthenga indlu okokuqala.
Yintoni injongo yam?
Ikhaya ngokuqinisekileyo liya kuba lelona lithengi likhulu uyokuthenga-kwaye liyakuyichaphazela ngokunzulu indlela ophila ngayo. Ke i-FOMO, okanye ukuzama ukugcina i-Joneses, akufuneki ibe yinto echazayo kwisigqibo sakho. Nokuba bonke abahlobo bakho ngabanini bamakhaya, oko akuthethi ukuba lukhetho olufanelekileyo kuwe. (Cela abazali bakho bebuza, Ukuba wonke umntu uphume ebhulorhweni, nawe ungatsiba?)
Ngale nto ithethwayo, akufuneki uthenge indlu ucinga ukuba iya kusombulula iingxaki ezinokukulandela naphina apho uhlala khona. Masithi uwuthiyile umsi wecuba, umzekelo, kwaye kwindlu nganye owakha warenta, kwakukho umntu otshayayo owayehlala kufutshane. Kungabonakala ngathi ukuthenga indlu kuya kuba yitikiti lokuyeka umsi wokungena ezindongeni. Kodwa kwenzeka ntoni xa uthenga indlu kwaye uphelele ecaleni kosapho lweentshayi? Faka endaweni yokutshaya ngomculo ongxolayo okanye nantoni na eyenye ekwenza uphambane- yazi nje ukuba ukuthenga indlu akuyi kuhlala kusenza iingxaki zobumelwane zihambe.
Ithini inombolo yam yomlingo?
Inqaku lakho letyala linokuba yeyona nto iphambili kwisigqibo sakho sokuthenga-kunye nenqaku elifanelekileyo letyala lenza umahluko kwihlabathi. Inqaku elisezantsi lekhredithi linokuchaphazela inzala yakho kunye nokubanakho kwakho ukufumana imali mboleko yekhaya, ulumkisa UBonnie Heatzig , Umrhwebi ePalm Beach, eFlorida. Kwelinye icala, aphezulu amanqaku akho etyala, kokukhona ungcono umyinge wenzala kunye nemigaqo yokuthenga ngempahla kwikhaya lakho elitsha.
Inye into emisela amanqaku akho etyala? Ityala. U-Heatzig ucebisa, umzekelo, ukuba uhlawule ityala lekhadi ngaphambi kokuba uzame ukuqala inkqubo yokubolekwa kwemali mboleko. Tsala ikopi yengxelo yakho yamatyala kwaye wazi ukuba ume phi, utshilo.
Ngaba kubiza ixabiso lam ukuba ndirente okanye ndibenakho?
Kuxhomekeke kwimarike yokuthengisa izindlu nomhlaba kwindawo ohlala kuyo — kunye nempilo yakho — kunokuba bhetele ukuhlala urenta kunokuthenga indlu. Kodwa kwiimarike ezininzi ngaphandle kweedolophu ezinkulu, ukuthenga kubiza ixabiso eliphantsi kwaye kukuvumela ukuba uqale ukwakha ubutyebi.
I-527 inombolo yengelosi enentsingiselo
EBridgehampton, NY, umzekelo, iarhente yokuthengiswa kwezindlu USara burack Ucacisa ukuba kwintengiso yakhe, ngokuqinisekileyo kubiza ixabiso eliphantsi ukuthenga kunokurenta. Ekupheleni kokuqeshisa kwakho, vele upakishe uhambe; Awunamali ibandakanyekayo, uyachaza. Ngokuthenga, ipropathi iba yinto yeasethi, ethi, kamva, ukwazi ukuyifumana.
UBurack ukwabongoza abo bafuna ukuba abathengi bathathe ithuba lokufumana inzala ephantsi. Umthengi ophakathi unokuthenga ngepesenti ezi-3 zenqanaba lenzala ngoku, ke ngoku ixesha livalelekile kweli zinga, ngelixa iirenti ziqhubeka zisanda. Kwaye uthi kwirhafu yepropathi, ixabiso lilonke lihlala liphantsi kunerenti kwindawo enokuthelekiswa nayo. (Kodwa ungalibali ukuba amanqaku akho etyala anokumisela umyinge wenzala.)
Gcina Ncamathisela Bona eminye imifanekiso Ityala: Iifoto zeHero / imifanekiso kaFetty
Ndingahlawula malini?
Umbuzo ongcono ngulo: ungakanani ekhaya onokukwazi kakuhle ukuhlawula? Umbolekisi wakho obolekisa ngemali mboleko uza kuwanyusa amanani ukuze akwazise okuninzi onokukufumana ngokobuchwephesha. Ukuba ukhululeke kangakanani njengentlawulo yenyanga akuthethi into efanayo nokuba ukulungele kangakanani ukuthenga, uyachaza UKimberly Mann , inkokeli yeqela kumakhaya e-TAMP eRacine, Wis.
U-Heatzig uyavuma, kwaye uthi ungalindela ukuba iindleko zakho zokusebenza zibe malunga neepesenti ezingama-40 zentlawulo yakho yanyanga zonke. Ezi ndleko kulula ukuzilibala ezongezelelweyo zibandakanya iirhafu, i-inshurensi yepropathi, kunye nokugcinwa kwepropathi: iindleko zokusebenza ongekhe uhlawule ukuba uyarenta, utshilo. Ukufumanisa ukuba uyakwazi ukumelana nayo, uHeatzig ucebisa ukuba wongeze iipesenti ezingama-40 zentlawulo yakho yerenti kwiakhawunti yokonga inyanga nenyanga. Ukuba ungayenza le nto iinyanga ezininzi ngaphandle kokutsala nzima, ungakulungela ukuthenga indlu.
Kukho ezinye izinto ezimbalwa ekufuneka uzithathele ingqalelo. Umzekelo, ukuba uyakuthanda ukuhamba (kwaye awufuni ukuwuyeka lo msebenzi) UMann ucebisa ukuba uchithe imali engekho ngaphezulu kweepesenti ezingama-30 zengeniso yakho endlwini. Nangona kunjalo, ukuba ukuthanda kwakho ukwenza igadi okanye ukulungiswa okanye ukuhombisa okanye nayiphi na into oyithandayo eyenziwayo ngaphakathi ekhayeni, unokufuna ukuchitha ipesenti ephezulu yengeniso yakho ekhayeni, kuba iya kuba yinxalenye enkulu yobomi bakho, yena utsho.
Ithetha ntoni i-333
Ngaba indawo enqwenelekayo?
Nantsi enye into ekufuneka uyiqwalasele: uceba ukwenza ntoni ngekhaya ukuba ungade uthathe isigqibo sokufuduka? Ukuthatha ipropathi elungileyo enokuthi iphindwe kabini njengepropathi yotyalo-mali phantsi kwendlela kubalulekile, utshilo uBurack. Ufuna ikhaya eliza kuxabisa ixabiso, kwaye ucebisa ukuba usebenze kunye nearhente enokukunceda uqonde imeko yentengiso yangoku.
Ndiziva njani malunga nokulingana kokubila?
Chaza ukuba ungakanani umsebenzi ofuna ukuwenza endlwini. Abanye abantu bafuna ukuzisa ibrashi yamazinyo kwaye bangene kanye, ngelixa abanye banexesha elincinci lokuhlala kwenye indawo ngelixa iikontraka zisenza umsebenzi, uBurack uyacacisa. Siva kule mihla ukuba abathengi bayame kumakhaya asandul 'ukulungiswa-ngaba le yinto ebalulekileyo kuwe? Ukuba ikhaya olibonayo alinalo inani elifunwayo lokuhlambela, utshilo, kuyakufuneka uthathe isigqibo sokuba indleko zokongeza enye ziya kuba zitshiphu kunokuchola ikhaya elahlukileyo. Ngamanye amaxesha unokufumana isivumelwano kunye nesilungisi esingasentla, kodwa sinako ukujika sibe ngumgodi wemali.
Yintoni eza kuyifanela indlela endiphila ngayo?
Ngaba amava endawo yasedolophini anomtsalane ngakumbi kunakwimeko yedolophu? Ubuza iDestin, eseFlorida UJonathan Spears , Umsunguli weQela le Spears kunye neScenic Sotheby's Realty Realty.
Ngaba ukhetha ukuhlala kufutshane ngokwaneleyo ukuze uhambe uye ezivenkileni nakwiivenkile zokutyela? Kwelinye icala, ukuba ufudukela edolophini, ingaba izothutho zingayingxaki? Ndicinga ukuba amava ngumba ophambili wokuba kutheni abantu bethenga amakhaya, kwaye baqiniseke ukuba bacinga ukuba kuthetha ntoni kuwe njengomntu kunye nosapho lwakho yinto esihlala siyilibale; ngakumbi kwintengiso yobhubhane, utshilo uS Spears.
Ngaba le ndlu iyahambelana nezicwangciso zam zexesha elide?
Ukuba ucwangcisa ukuhamba kwiminyaka embalwa, ezinye iingcali ziya kuthi mhlawumbi ayiloxesha elifanelekileyo lokuthenga. Ngesizathu esinye, unokugqibela ukuthenga nokuthengisa indlu ngaxeshanye . Nangona kunjalo, uMann akavumelani. Ndiyakholelwa ukuba ngokukhawuleza, wonke umntu kufuneka afake unyawo kwileli yepropathi, kodwa into abayithengayo ixhomekeke kakhulu kwiinjongo zabo.
Umzekelo, ukuba ufuna ukuhlala phantsi kwaye ujonge ukubangasese ngakumbi, ucebisa ikhaya losapho olunye. Nangona kunjalo, ukuba uhamba ngokuhamba ngakumbi kwaye ufuna ukuqala ukwakha ubutyebi ngekamva, kodwa awukhathali ngokuhlala kwisitayile sokuhlala, ke kuya kufuneka uthathele ingqalelo ukuthenga indlu yeentsapho ezimbini. Oko kunokuvakala kunzima, kodwa uthi ayisiyiyo kwaphela. Oku kuyakuvumela ukuba wakhe ulingano ngeyunithi yokurenta kwaye ukuba ufuna ukuhamba, ungaqesha nje zombini iiyunithi-kwaye nokuba uqesha inkampani yolawulo, usabeka imali epokothweni.
Ithetha ntoni i-333 kubalo lwamanani
