Xa kuziwa ekugcineni ikhaya, unokuba nomfanekiso ngqondweni wentlawulo yakho esezantsi, nokuba loo nto ifikelela kwiipesenti ezintathu ezantsi okanye ipesenti eyi-20 esempilweni. Ngelixa kuyimpumelelo enkulu ukufikelela kumanqaku okonga (ngokunzulu, aphezulu amahlanu kuqeqesho lwakho lwezemali), awukawugqibi ncam umgca wokugqibela okwangoku. Ukugcinela nje intlawulo esezantsi akwanelanga ukukungenisa ekhayeni, kwaye uya kufuna ukunika iakhawunti yakho yebhanki umqamelo wezemali xa usakuba ngumninikhaya.
Sibuze ababolekisi bemali-mboleko kunye nezinye iingcali zezezimali: Ufanele ukuba wonge malini-ngaphaya kwentlawulo oyifumanayo ngaphambi kokuba uthenge indlu?
Ewe kunjalo, njengezinto ezininzi kwizindlu nomhlaba, akukho mpendulo inye.
Kodwa, ubuncinci obungenanto, kuyakufuneka ube neepesenti ezintathu ukuya kwezintlanu zexabiso lekhaya eligciniweyo ukuhlawulela iindleko ezinxulumene nokuvala, ezinokubandakanya umrhumo wababolekisi, itayitile kunye nemirhumo yokurhola, ukudlulisa irhafu, kwaye mhlawumbi Imali yokuxhasa iakhawunti yokungena, uyacacisa UAlfredo Arteaga , Irvine, Igosa lemali mboleko esekwe eCalifornia kunye neParamount Residential Mortgage Group. (Ewe, kwiimeko ezininzi, unokuzixhasa ngemali iindleko zakho zokuvala, kodwa oko, kunjalo, kuguqulela inzala ngakumbi).
Kwakhona, u-Arteaga uthi, abanye ababolekisi baya kufuna ukubona ubungqina bokuba unemali ethile ekhutshwe kulondolozo (a.k.
Ngaphandle koko, uyakufuna nokugcina izinto kwimeko kaxakeka.
Ihlala isisenzo sokulinganisa phakathi kwemali ukuvala kunye neakhawunti yokonga esempilweni, utsho uNicole Rueth, umphathi wesebe Imbuyekezo Fairway Independent Mortgage Corp eColorado. Umnini khaya omtsha unikwa ngcono ukuba abhatale i-mortgage yeenyanga ezimbalwa ebhankini ngexesha likaxakeka.
Ke bonke bebonke balparkpark elungileyo, inani elamkelweyo yingcali? Iipesenti ezintathu ukuya ezintlanu zexabiso lekhaya lokuvala iindleko ukuba ucwangcisa ukuhlawula ngekheshi, uhlahlo-lwabiwo mali olusetyiweyo lwempahla, kunye nemali mboleko yeenyanga ezintathu yezongxamiseko. Kwaye, ewe, isixa esisempilweni kwimali oyongele umhlala phantsi (nangona eso sisihloko esahluke kwaphela!)
Kubalulekile ukuba abantu abaninzi baphele bethenga ngemali encinci ebhankini kunokuba icetyiswe yingcali-yinto nje, rhoqo, ukuba ngumnini khaya kukhululeke ngakumbi ngomqamelo wezezimali.
Oko kuyatshiwo-Nantsi enye into enokuthi uyongeze kuhlahlo-lwabiwo mali lwakho lokuthenga ikhaya / iindleko zokuvala nangaphaya:
- Imirhumo yovavanyo lwasekhaya: Uhlalutyo lobungcali lwexabiso lentengiso lepropathi; inokuba ngamakhulu ambalwa eedola, utshilo uW. Michael Wise, usekela mongameli Umphathi oMkhulu wokuBoleka JP Morgan Chase .
- Ukuhlolwa kwekhaya: Ingxelo eneenkcukacha ngemeko yendlu, icacisa naziphi na iingxaki ezibalulekileyo ezinokuchaphazela ixabiso lepropathi, zinokuma ngexabiso, ucacisa uWise. Ungacwangcisa ukuchitha malunga ne- $ 200 ukuya kwi- $ 1,000, utshilo.
- Imirhumo yesiqalo: Imirhumo ebizwe yibhanki yokuhlawulwa kwemali mboleko kunye neendleko zolawulo zinokufikelela kwiipesenti ezi-0.5 ukuya kwiipesenti ezi-2 zeemali-mboleko, utsho uWise.
- Iindleko zokuhamba: Ukuhamba kunokuba yinto ebiza kakhulu (nazi iingcebiso ezimbalwa zokuyila zokonga xa uhamba ngokulandelayo), kwaye zinokwahluka ngokuxhomekeka ekubeni uhambela kude kangakanani nokuba uqesha abantu abashukumayo.
- I-inshurensi yabanini bamakhaya: I-inshurensi ixhomekeke kwixabiso lekhaya lakho, kodwa ukuhlawula ngokupheleleyo kukugubungela unyaka wonke kungakubiza malunga ne- $ 700 ukuya kwi-2,500 yeedola, uyacacisa.
Zeziphi iindleko ezinxulumene nokuhamba ezinokucinywa?
Ngokuqinisekileyo, kuyalingwa xa ungena kwikhaya lakho elitsha ukuba ufune ukuphuma nokubonelela ngokuhlobisa ikhaya lakho. Kodwa, umonde yinto elungileyo.
Kukho izinto ezithile kuluhlu lwakho lwezinto ozifunayo — njengefenitshala entsha — ezinokuthatha unyaka okanye emibini, utsho uWise. Ngamanye amaxesha kungcono ukugxila kwindawo encinci oyisebenzisa rhoqo, njengekhitshi okanye igumbi lokuhlambela, emva koko ugcine ezinye izinto ezibiza kakhulu kunyaka wesibini ekhaya.
Kwakhona, kubalulekile ukuba uqaphele, uyakufuna imali ethile kulondolozo ukuze uphephe ukusebenzisa amakhadi akho etyala ukuthenga ifanitshala okanye iindleko zokuhamba ngenyawo de kube imali-mboleko ihlawulwe kwaye yabhalwa, utshilo uMike Sass, umphathi wentengiso waseArizona Imali mboleko yasekhaya yokubonelela .
Ngexesha lenkqubo yemali mboleko, kubaluleke kakhulu ukubukela inkcitho kunye nokuphepha izinto ezinje ngokuhambisa imali phakathi kweeakhawunti, ukuhlawula ibhalansi yamakhadi etyala, ukuhlawula ityala letyala, utshilo.
Ukuba awuqinisekanga ukuba intengiselwano iza kuyichaphazela njani imali-mboleko yakho, fikelela kwigosa lemali mboleko, u-Sass ucebisa njalo.
Ngoku, uye kumbuzo olandelayo: Ngaba kufuneka uthenge ngoku, okanye ulinde ude ugcine okungakumbi? Nantsi into ethethwa ziingcali malunga naloo nto umbuzo olayishiwe !
ngu-111 inani leengelosi
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