Ngubani phakathi kwethu ongakhange ayamkele imibono yokuthenga indlu ekhathazekileyo, ukuyilungisa, kunye nokuyithengisa ngenzuzo entle? Imiboniso ye-HGTV yenza ukuba ibonakale ilula-kwaye kumnandi, nayo. Kodwa kwanamagqala alomboniso kunye neepokotho ezinkulu ngamanye amaxesha umzabalazo wokwenza imali ngokukhupha izindlu -Okanye, ubuncinci, ngokwaneleyo ukwenza ukuba kulungele uxinzelelo kunye nobunzima.
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Awuqinisekanga? Masicinge ukuba sithenga indlu endala ediniweyo engama- $ 300,000, sityala imali eyi- $ 50,000 kulungiso nakwizinto eziphuculweyo, size siyithengise kwakhona nge-400,000 yeedola, ngenzuzo eyi- $ 50,000. Kuvakala kukuhle kakhulu, akunjalo? Ewe, egameni lokuqhuma kwebhola, makhe sibone ukuba imiphetho ebukhali yenyani inokuyifaka njani imingxunya kwinto yethu ethandekayo.
Isizathu 1: IiKhomishini
Nanini na xa uthengisa indlu, uqala ngokulahleka, kuba uza kuhlawula umyinge we-5% ukuya kwi-6% kwiikhomishini zorhwebo. Nokuba ungumrhwebi ngokwakho, kuya kufuneka uhlawule ubuncinci ikhomishini yearhente yomthengi ye-2,5% ukuya kwi-3%. Kodwa kuninzi lwabantu, oko kuthetha ukuba ufuna ikhaya ukuze ulixabise ngexabiso eli-5% ubuncinci ukuze uphule.
Sisebenzisa umndilili welizwe lonke wekhomishini ye-5.26%, siya kuhlawula i-21,040 yeedola kwimirhumo yearhente yokuthengisa ikhaya lethu le- $ 400,000- inani elingabandakanyi ukuthengisa okanye ukubeka esiteji. Oko kuyenza mhlophe inzuzo yethu ukuya kuthi ga kwi-28,960 yeedola.
Isizathu No. 2: Ixesha alikho kwicala lakho
Imiboniso yokuhlengahlengisa kwakhona kwi-HGTV ihlelwe ukuba inciphise inkqubo ende, enzima ukuya kwisiqendu esinye. Inyani yile yokuba nayiphi na iprojekthi yokulungisa kwakhona ithatha ixesha- kwaye ihlala ininzi kakhulu kunokuba ucinga. Ikontraka uTom Silva wePBS Le Ndlu indala utshilo kulindeleke ukuba uhlaziyo olupheleleyo lwekhitshi luthathe iinyanga ezimbini ukuya kwezintandathu. Kwaye nokuba loluphi uhlahlo-lwabiwo mali kunye nexesha oligqibayo, liza kukuthatha ixesha elide kwaye liyakubiza ngaphezulu, uSilva undixelele ngoJanuwari. Kungenxa yokuba iingxaki ezingalindelekanga okanye utshintsho kuyilo phantse zihlala zivela ngexesha lolungiso olukhulu.
Kwaye ukuba ungade ufumane ikontraka. Siphakathi phakathi ukunqongophala kwabasebenzi abanezakhono , nakwiimarike ezixakekileyo, ezilungileyo zokwakha zilungile ndibhukishe iinyanga ; kungathatha iiveki ukufumana umnxeba kwakhona okanye ikowuti. Kwaye ngaphandle kwesibonelelo sababukeli beTV bakazwelonke, ikontraka yakho ayinakufane isebenze ixesha elongezelelekileyo ukugqiba umsebenzi kwixesha lakho ukuba kuvela iingxaki.
Kodwa okukhona ubambelela kwipropathi, kokukhona uhlawula ngaphezulu kweendleko njenge-inshurensi, irhafu yepropathi, kunye neebhili zombane. Ukucinga ukuba uyakwazi ukuwugqiba umsebenzi kwaye uthengise ikhaya kwiinyanga ezintandathu- ekunokwenzeka ukuba unethemba - uya kuhlala usekhondweni kwisiqingatha sonyaka serhafu yepropathi, i-inshurensi kunye nezixhobo. E Ireyithi esebenzayo ye-1.15% , irhafu kuphela kwipropathi engama-300,000 yeedola iya kufikelela kwi-1,725 yeedola emva kweenyanga ezintandathu; yongeza i-inshurensi yabanini bamakhaya kunye namatyala ombane, irhasi, kunye namanzi, kwaye inzuzo yethu iyancipha.
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Isizathu 3: Iirhafu
Xa abantu abaqhelekileyo bethengisa ikhaya, akufuneki bakhathazeke ngokuhlawula irhafu kwinzuzo, nokuba intle kakhulu. Ukuba uthengisa ikhaya okhe wahlala kulo kwiminyaka emibini edlulileyo, awuzukuhlawulwa rhafu ukuya kuthi ga kwi-250,000 yeedola kwinzuzo ($ 500,000 ukuba utshatile ugcwalisa ngokudibeneyo).
Ukuba uthe wafaka indlu kungaphelanga nonyaka, nangona kunjalo, nayiphi na inzuzo iya kuthathwa njengenzuzo yexesha elifutshane, erhafiswa njengengeniso yesiqhelo- amaxabiso aphezulu njenge-37% , ngokuxhomekeke komnye umvuzo wakho. Thengisa ngonyaka wesibini, kwaye iingeniso zixhomekeke kwinqanaba lokufumana uxolelo lwexesha elide ukusuka kwi-0% ukuya kwi-20% .
Masithi, emva kweekhomishini kunye neendleko zokuthwala, sishiyeke $ 25,000 kwinzuzo. Ukuba sifumana ngaphezulu kwe- $ 38,700 ngonyaka emsebenzini wethu wosuku, oko kuya kurhafiswa kwinqanaba le-22% ubuncinci. Inzuzo yethu ngoku incitshisiwe yaya kwi- $ 19,500. Kwaye asikhange sifake nezinto ezinje ngeendleko zokuvala, nazo eziya kumawaka.
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Isizathu No. 4: Wonke umntu Omnye uyayenza, nayo
Okwangoku, ngelixa ingenguye nesiqingatha senzuzo esiqale sayicinga, i-19,500 yeedola iya kuba yeyokwamkela umoya kuninzi lwethu. Ingxaki kukuba, loo mhla wokuhlawula uza nomngcipheko omkhulu. Kuthatha utyalo-mali olukhulu lwenkunzi, ixesha, kunye namandla okuthenga kunye nokuhlaziya indlu.
Kukho umda omncinci kakhulu wempazamo-kwaye kukho eyona nto inokwenzeka yokuba awukwazi ukuthengisa ikhaya ngento obuyithembile. Unokushiywa yindlu ongenakuthengisa ngayo, kwaye uthwale iindleko eziqhubeka nokufumba inyanga nenyanga.
Oko kunokubonakala kungathandeki kwimarike yanamhlanje yokuthengisa izindlu nomhlaba oshushu-nangona indawo engummangaliso yeBay Area inokuthengisa ngamakhulu amawaka eedola ngaphezulu kwexabiso layo lokubuza.
Kodwa khawucinge ngoku: AmaMelika atyhila ngaphezulu kwamakhaya angama-207,000 ngo-2017— uninzi ukusukela ngo-2006 . Amachule asezindlwini athi ukhuphiswano luqine kunanini na ngaphambili, kwaye kunzima kakhulu ukwenza imali kunokuba kwakusemva kwengxaki yezindlu.
Okungakumbi ukuya kwinqanaba, uninzi lwala maphepha ezindlu ngo-2006 babezokujongana nokonakala kwezemali: Ngo-2009, amaxabiso asekhaya ayephume phakathi kwi-2000s iincopho zawo, eshiya izigidi zabanini bamakhaya-kunye nabaphethe izindlu-bajongene nokuhluthwa. Ngapha koko, uphando olutsha lubonisa ukuba amaphepha endlu anokuba nawo badlale indima enkulu ekuziseni ingxaki yezindlu .
athetha ntoni amanani u-1111
Ukuba ukuthengisa kuyacotha okanye amaxabiso aqala ukutyibilika ezinyangeni ngelixa uthululela imali kwipropathi, ungaphelela ekuthengiseni kwindawo eyahlukileyo kunaleyo uyithengileyo indlu. Umgangatho ungaphantsi kwintengiso yezindlu ngokukhawuleza kunokuba ungathi ngo-2008.
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