Kwinto engaziwayo, inkqubo yokuthenga ekhaya inokuziva ngathi ngumjikelo ongapheliyo wehupula ukutsiba. Kodwa ezo hoops zikhona ngesizathu-kukho imali eninzi esengozini kunye neendawo ezininzi ezihambayo phakathi komthengi, umthengisi kunye nombolekisi. Amatye amaninzi ngaphambi kokuvalwa, kuncinci ukuba umntu abambelele kwisivumelwano esibi. Elinye lala manyathelo adinisayo, kodwa ayimfuneko kukuvavanya ekhaya.
Inombolo yengelosi enentsingiselo engama-444
Kwinkqubo yokuvala kwangaphambili kwaye unomdla wokwazi ukuba kuya kwenzeka ntoni kanye kanye ngosuku lokuxabisa? Nazi izinto iingcali onokuzilindela:
Okokuqala, yintoni uvavanyo lwasekhaya kwaye lubandakanya ntoni?
Masithi uthatha imali mboleko yokuhlawula ikhaya elidweliswe kwi- $ 200K. Ke uceba ukuthatha imali mboleko engange- $ 200K- kwaye mhlawumbi enye into encinci ukuhlawula iindleko zokuvala- kwaye ulindele ukuyihlawula yonke le minyaka ingama-30 izayo. Kodwa masithi ngonyaka we-10 wobambiso, kukho into eyenzekayo kwaye awusenakho ukwenza iintlawulo zakho zobambiso. Ibhanki iyalithintela ikhaya ize ilibuyisele kwimarike ukubuyisa iindleko. Kodwa bafumanisa ukuba ikhaya lakho elingama-200K lamaxabiso lalixabisa i-180K yeedola ngalo lonke ixesha. Hayi, boo! Ibhanki ilahlekelwe yimali!
Ngoku ayizukwenzeka, kuba ukuba kukho into enye ababolekisi bemali mboleko abakwaziyo ukuyenza, kukhusela utyalomali lwabo. Endaweni yokuboleka imali yendlu ngokuthembeka, baya kufuna uvavanyo lokuqinisekisa ixabiso eliyinyani, elingenamkhethe ekhaya. Ngale ndlela, bayazi kakuhle into ekubanjiswe ngayo kwimali mboleko (kwikhaya lakho) kufanelekile.
Ngelixa kubonakala ngathi ukuvavanywa kuyinzuzo kakhulu kumbolekisi, bakwenza umsebenzi olungileyo ukukhusela ekuhlawuleni indlu enexabiso eliphezulu.
Kwaye ukuvavanywa ayisiyo yabathengi basekhaya kuphela. Abanini bamakhaya bayazisebenzisa xa bexhasa ngemali ngesizathu esinye: Umbolekisi kufuneka alazi elona xabiso lekhaya ngaphambi kokuba aboleke nayiphi na imali.
Ke abavavanyi bangena njani ngeli xabiso liyinyani, elingenamkhethe? Ngoku ka Realtor.com , umvavanyi utyelela ikhaya kwaye amisele ixabiso lalo ngokujonga izinto ezinje ngemeko yalo (ngaba ikhaya likhuselekile ukuhlala kulo?), iyonke imifanekiso eqingqiweyo yesikwere kunye nolwakhiwo, kwaye, ukuba ihlaziyiwe okanye inezinto ezizodwa. Ngokwe-SF Gate Home Guides Umvavanyi uya kujonga nendlela esetyenziswa ngayo indawo, kunye nenani lamagumbi okulala kunye negumbi lokuhlambela kunye nobukhulu bazo. Ezinye izinto eziguquguqukayo zibandakanya umhlaba osetyenziswayo kunye nobungakanani bepropathi, nokuba ikhona igaraji (igaraji yongeza ixabiso elininzi ekhayeni, ngakumbi ukuba umthengisi uhlala ndawo ngawo onke amaxesha onyaka amane) kwaye ukuba ikhaya linikezela naziphi na izinto zikawonke-wonke. Izixhobo eziphambili, ezinje ngokufudumeza, imibhobho yamanzi, kunye nombane, kuphandwa ngokunjalo.
Izinto zangaphandle ziyaqwalaselwa, ngokweHomelight . Abavavanyi baya kujonga indawo engqonge ikhaya (nokuba kukwidolophu, kwidolophu yasemaphandleni, okanye emaphandleni), kunye nolwahlulo lomhlaba.
Umvavanyi uya kuphinda alinganise impilo yangoku yentengiso yezindlu. Ngoku ka Utyalomali , amaxabiso akufuphi, anokuthelekiswa, iipropathi ezisandula kuthengiswa (aka comps) zisetyenziswa kuvavanyo, nazo.
Emva kokuhamba-hamba, umvavanyi uya kugqibezela ingxelo-ngokuxhaphakileyo Ingxelo yoVavanyo lweNdawo yokuHlala -Okuqokelela lonke olu lwazi ngokweenkcukacha. Le fomu iya ngqo kwi-appraiser iye kumbolekisi, kodwa uyakufumana ikopi kwinkampani yakho yokubambisa (iyafuneka ngokomthetho ukuba uyifumane).
Ngubani ohlawula uvavanyo lwasekhaya?
Ngokwesiqhelo, ibhanki iya kubonelela kumbolekisi wabo-bafuna ukuqiniseka ukuba ngumntu abamthembileyo, kuba yimali yabo emgceni. Kodwa, ngokwe Realtor.com , wena, umthengi, uza kuyinyathela ityala. Nangona kunjalo, ukuba umthengisi ukhuthazekile ngenene ukothula amakhaya abo, ngamanye amaxesha baya kugubungela uvavanyo, ukunciphisa iindleko zakho zokuvala xa zizonke.
Ngokwe-FHA Handbook , ii-apreyizali zihlala zibiza phakathi kwe- $ 300 kunye ne- $ 400.
Ithetha ukuthini xa ukuxabisa kungahambelani nesithembiso somthengisi?
Uvavanyo ngamanye amaxesha lunokuphosa isitshixo kwinkqubo yokuvala. Ingxaki eqhelekileyo kukuba ukuvavanywa kuza ngaphantsi kunexabiso lokunikezelwa.
Masithi isibonelelo sakho se- $ 550,000 (ixabiso lodweliso) lamkelwe ngumthengisi. Nangona kunjalo, ukuvavanywa kungena kwi- $ 520,000. Umbolekisi wakho wobambiso ngoku uza kukunika i-520, 000 yeedola ngendlu, kuba yile nto baqinisekisiwe ukuba bayayifumana xa kufuneka beyibuyisile kwintengiso.
Ngoku kutheni kungakho ukungangqinelani phakathi kwexabiso lokucela ikhaya kunye nexabiso eliyinyani lekhaya? Zimbalwa izizathu, ngokweRealEstate.com:
1. Ukulwa iimfazwe
Ukuba uthenga kwimarike yokhuphiswano apho amaxabiso asekhaya anyuswe ngenxa yemfuno, ubunokuphumelela ngokuchasene neebhidi ezininzi ngenxa yokuba isithembiso sakho besiphezulu.
2. Ixesha lonyaka
Njengakwicandelo lomtshato kunye ne-TV yexesha eliphambili, iarhente yokuthengisa izindlu nomhlaba inexesha layo elixakekileyo nelizolileyo. Ukuba indawo yentengiso inexesha elithile lonyaka ngoko ukuphononongwa kuyakubonisa oko kuba [kungumfanekiso nje wentengiso, utshilo uMichael Vargas, umseki Uvavanyo lweVanderbilt kwisiXeko saseNew York. Ezinye iimarike zixakeke kakhulu entwasahlobo kwaye zikhokelela kumaxabiso aphezulu.
Intsingiselo yenani leengelosi ezili-111
Ngaphandle kwekhalenda, ezinye izinto ezinje ngezoqoqosho lwendawo zinokunyusa amaxabiso ezinto, utshilo uVargas. Umzekelo, cinga ngendlela iSilicon Valley ewanyuse ngayo amaxabiso asekhaya eBay kule minyaka ilishumi idlulileyo: Iinkampani zeTekhnoloji zizise abasebenzi abaninzi ngemali eyaneleyo kuloo ndawo. Ukuthengisa izindlu nomhlaba kutyalo-mali olulungileyo, ke ngoko bekukho ukungena kwabathengi abanokubakho kwintengiso yezindlu. Nangona kunjalo, kukho kuphela inani eligqityiweyo leepropathi ezikhoyo kunye nendawo yokubeka naziphi na izakhiwo / izindlu ezintsha, ke ngoko okusemarikeni kuyaxabisa kakhulu (okt, kuyabiza). Ngelixa ezinye iimarike zinophahla lwamaxabiso ngenxa yenani labathengi abanokukwazi ukufikelela kumaxabiso okuhamba kwezindlu, abathengi kwi-Bay Area baqhubeka nokufumana imali eninzi nangakumbi, ukuze baqhubeke nokuthumela izibonelelo eziphezulu neziphezulu. Ngenxa yale nto, amabhidi abuza ngaphezulu yinto eqhelekileyo kule ndawo.
3. Umvavanyi ombi
Unokubambeka kumvavanyi ongenamava ngokwaneleyo okanye ongayazi kakuhle le ndawo. Ukuba oku kuyenzeka kuwe, kukho uncedo: Okokuqala, yiba nobungqina bokuxhasa ibango lakho-oko kuthetha idatha malunga nendawo yakho kwimithombo ethembekileyo, ukuthengisa okufuphi okufutshane, ulwazi oluvela kwezinye iiarhente ezisalinde ukuthengisa kule ndawo, njl. Nangona kunjalo, sukucela nje umngeni kuvavanyo olusezantsi ngenxa yokuba zive indlu ixabisa ngaphezulu.
Kuya kufuneka ube nenkxaso yokwenza ibango lokuba ucinga ukuba umvavanyi akanalwazi ngokwaneleyo kwaye ayisiyiyo nje ukuba awuvumelani noluvo lwexabiso, utshilo uVargas.
4. Ukunqongophala kwezinto ezinokuthelekiswa
Amanye amakhaya ngokuqinisekileyo ayenye-yohlobo. Masithi ubeke isithembiso kwikhaya elibizwa ngokuba nguFrank Lloyd Wright kwindawo ekuhlala kuyo iirhasi. Ngelixa uyithanda ipropathi ngokwahluka kwayo, abavavanyi banokungayiqondi indlela oku kuguqulela ngayo kwiikhompyuter ezimbalwa. Nangona umvavanyi egcina idatha yezembali kunye nexabiso lokuthengisa kunye nexabiso lamakhaya angabamelwane kwi-equation, kusenokwenzeka ukuba kungabikho lwazi longezelelekileyo malunga nepropathi yokuxhasa ixabiso lentengiso.
Oko kwathiwa: Ngokuqinisekileyo kukho abavavanyi abaziyo ukusebenza kunye neepropathi ezingezizo ezesintu.
Abavavanyi abanamava bayayazi indlela yokuphatha iipropathi ezizodwa kunye nokuba ixabiso linokumiselwa njani kwiimpawu ezizodwa, ezizodwa zendlu, utshilo uVargas.
Kwaye gcinani engqondweni ukuba ngelixa unokufumana ixabiso kubunini bepropathi, inokuba yingozi (umbono obiziweyo ukusebenza kwe-obsolescence .)
Unokwenza ntoni ukuba uvavanyo lwakho lusezantsi kunokuba bekulindelwe?
Ukuba uvavanyo lwasekhaya lungaphantsi kunesithembiso sakho, unokukhetha ezimbalwa:
1.Ungacela umthengisi ukuba ahlise ixabiso.
Oku kunokwenzeka ukuba kungabikho kuhamba kwimakethi yokhuphiswano, kodwa ngokuqinisekileyo sesona sisombululo silula kuwe-kunye nomthengisi ukuba bakhuthazekile ukufumana ipropathi ezandleni zabo.
2. Beka imali engaphezulu ukogquma umahluko phakathi kokunikezelwa kunye novavanyo
Ungakwenza oku ngemali ezinkozo okanye ungakhupha i- ubambiso lwesibini.
3. Ukubhena okanye ukukhupha ukungafunwa kovavanyo lwentsebenzo
Yenza le nto, utshilo uVargas, ukuba enyanisweni kumiselwe ukungalunganga okanye ukungachaneki. Unokufumana olunye uvavanyo, kwakhona, kwi-dime yakho.
4. Hamba uhambe
Ungaphulukana nentwana yemali, kodwa kunokuba lolona khetho lufanelekileyo kuwe ukuba konke okunye kusilele.
Kwaye khumbula: Uvavanyo lwasekhaya lwahlukile kuvavanyo (ekufuneka ulwenzile). Umvavanyi wenza uhambo lokujonga ixabiso lepropathi, ngakumbi umbolekisi, kodwa nawe. Umhloli uvavanya ngokucokisekileyo eli khaya ukuze ahlole nayiphi na ingozi. Zombini zithathela ingqalelo imeko yekhaya, kodwa umhloli ukhona ukuze aqiniseke ukuba umthengi uyawazi umonakalo abaza kuwufuna ukulungisa okanye ukutshintsha ukuba ngaba bayakuthenga. Zombini ezihamba-phambili zibaluleke kakhulu xa uthenga ikhaya-uvavanyo lovavanyo kunye novavanyo luya kunceda ekuboneni ukuba uthenga ubulumko. Akukho mntu ufuna ukuphelela kwimeko efana neThe Money Pit.
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