Ufumene ikhaya elifanelekileyo lokuthengisa, kwaye nangcono, intlawulo yanyanga zonke yokusebenza kwemali mboleko isebenza phantse kanye kule nto uyihlawulayo kwirenti ngoku. Kakhulu! Ngoku, yongeza nje enye i-750 yeedola ngenyanga ngaphezulu, kwaye uyigolide!
Unyango lweeNdlu mihla le
Idosi yakho yemihla ngemihla yezithuba zethu eziphezulu, iingcebiso kunye namaqhinga, ukhenketho lwendlu, ngaphambi nasemva kotshintsho, izikhokelo zokuthenga, kunye nokunye.
Idilesi ye-imeyile Imigaqo yokuSebenzisa uMgaqo-nkqubo wabucala
Yima, yintoni? Yup, iindleko ezifihlakeleyo zobunini bemizi ukuya kuthi ga kwi-9,080 yeedola ngonyaka ngokomndilili, ngokwe-entsha ingxelo nguZillow kunye neThumbtack. Oko kubandakanya izinto ezithile onethemba ngazo, njengerhafu yepropathi kunye ne-inshurensi yasekhaya, kodwa kunye nezinto eziluncedo kunye nolondolozo olusisiseko onokuthi ungahlali kulo njengoko ubhabha phakathi kwezindlu ezivulekileyo kwimpelaveki nganye.
Uninzi lwabaqeshi baqhelene nokongeza ekufuneka behlawule ngaphezulu nangaphaya kwerenti esisiseko - ubushushu, amanzi ashushu, umbane… mhlawumbi i-inshurensi yomqeshi ukuba nenza isenzo kunye. Kodwa zininzi iindleko ezihlanganisiweyo kuloo ntlawulo yerenti abaqeshi abanganyanzelekanga ukuba bacinge ngayo, ezinje ngokulondolozwa, imirhumo ye-condo, kunye nezixhobo ezisisiseko njengamanzi kunye nogutyulo.
Kuzwelonke, abanini khaya bahlawule i-avareji ye- $ 6,059 ngonyaka kwi-inshurensi yasekhaya, kwiirhafu zepropathi nakwizinto eziluncedo. Eli nani lahluka kakhulu kuxhomekeke kumaxabiso asekhaya kunye neerhafu, nangona kunjalo, ngaphezulu kwe-9,000 yeedola eLos Angeles naseAustin, eTexas, befaka i-10,000 yeedola eBoston naseSan Diego, kwaye bekhangela kwi-13,019 yeedola kwindawo yaseSan Francisco. Abanini bamakhaya bahlawule ubuncinci e-Indianapolis ($ 4,699) naseCharlotte, NC ($ 4,986).
Iindleko zokugcina, ezazisekwe kwiinkonzo ezintandathu ezicelwe kakhulu zeThumbtack - ukucoca ikhaphethi, umsebenzi weyadi, ukucoca i-gutter, ulondolozo lwe-HVAC, kunye nokucoca indlu- kongeze enye i-3,021 yeedola ngonyaka ngokomndilili.
Ngoku iindaba ezimnandi kukuba, andiboni ukuba ukucoca indlu kuyindleko efihliweyo yobunini bamakhaya. Ungayicoca indlu yakho, nayo, kwaye umnini-mhlaba wakho ngekhe ahambe ngetyala. Kwaye nangaphaya kokugungxula imigangatho, abaninimzi banokwenza imisebenzi yolondolozo esisiseko efana nomsebenzi weyadi kunye nokucoca i-gutter ngokwabo, ukugcina ubuncinci imali (nokuba bayawoyika umsebenzi).
Ukuba nendlu kuyabiza ngeendlela ongakhange uzilindele.
Kodwa akukho ndlela yakukujikeleza: Ukuba nekhaya kuyabiza ngeendlela ongakhange uzicinge. Xa sathenga phantse iminyaka eli-100 ubudala kwaye kunganyanzelekanga ukuba sigcinwe kakuhle kwiminyaka esithoba eyadlulayo, kwakunjengokuhlala phantsi kwitafile ye-poker ephezulu ngengozi, okanye ukusuka kwisiseko-senkqubo ye-10 uye kwinto yasemzini ngokupheleleyo: Ukuphila ubomi obusekwe kumahlelo eedola ezingama-20 okanye kwiidola ezili-100, ngesiquphe yonke into yokulungisa yabonakala ixabisa iidola ezingama-500 okanye kwewaka leedola.
Ngaphandle koko, ngelixa bendisazi uninzi lweendleko ezifihlakeleyo xa sithenga indlu yethu, bekukho iindleko ezimbini ezenze ukuba ndibambe ongezantsi.
Inye yeendleko ezenziwa minyaka le eziyimfuneko, zokuphuculwa kwexesha elide. Cinga ngophahla: Ingxelo yamalungu oLuhlu luka-Angie Ukuchitha umndilili weedola ezili-11,000 ukubuyisela uphahla lwe-asphalt, ekufuneka ihlale iminyaka engama-20 ukuya kwengama-30. Ukuba ungumnini wekhaya lakho kangangesithuba semali mboleko yeminyaka engama-30, phantse kuqinisekisiwe ukuba kuyakufuneka ubeke endaweni yophahla ngaxa lithile - okanye uthengise ngesaphulelo kumntu ongakhathaliyo ngeshingles engekhoyo. Kwaye indleko zolo phahla lwexesha elizayo ziyimfuneko, zisasazekile kubomi bemali mboleko yakho yeminyaka engama-30, zisebenza ukuya kuthi ga kwi-367 yeedola ngonyaka, okanye malunga ne-30 yeedola ngenyanga. Yongeza kula manzi ashushu ashushu, athi aphume emva kweminyaka emi-6 ukuya kweli-12, ingaphakathi okanye ipeyinti yangaphandle, kunye nokunye okungaqhelekanga kodwa okufunekayo - konke okuxabisa ukuphindaphindwa ngama- $ 500, khumbula! -Kwaye iya kwiakhawunti yakho yebhanki.
Gcina Ncamathisela Bona eminye imifanekiso (Ityala lemifanekiso: Leanne Bertram)
Intsingiselo yengelosi inombolo 333
Enye indleko yenye bendiyazi ngayo, kodwa khange ndiyiqonde ngokupheleleyo xa kufikwa kwixesha elide. Iirhafu zepropathi zihlala zikhonkxiwe kwixabiso elilinganisiweyo lekhaya lakho. Iirhafu zethu aziphakamanga ngokukodwa kulo mmandla, kodwa njengoko amaxabiso asekhaya edubuleke ngaphezulu kule minyaka mihlanu idlulileyo, iirhafu zethu ziye, ngokunjalo- nanjengoko irhafu ihleli ngokufanayo. Kwaye indlu ebiza kakhulu ifuna i-inshurensi yabanini bamakhaya ephezulu, kuba ingabiza ngaphezulu ukuyilungisa okanye ukuyibuyisela emva kwentlekele.
Sukundenza impazamo: Ukuphakama okukhulu kwexabiso lekhaya lakho ngokuhamba kwexesha, ngokungathandabuzekiyo, kuyamangalisa, kwaye akukho nto ungakhalaza ngayo - yenye yeendlela ubutyebi bexesha elide obenziwe ngayo, kwaye ivule iinketho ezintsha ezinje ngemali mboleko yekhaya. Kodwa asinanjongo yokuthengisa ikhaya lethu (kwaye ke singenise imali kuloo mali) iminyaka emininzi. Okwangoku, ukunyuka kweendleko zerhafu yepropathi kunye neinshurensi ziyatya kuhlahlo-lwabiwo mali lwanyanga-ukuya kuthi ga kumakhulu eedola ngaphezulu kunokuba besisibhatala kwiminyaka emithathu edlulileyo, nanjengoko intlawulo yethu yesibambiso ibambe inye.
Ngokusisiseko, ukuba nomzi kuyabiza, ngazo zonke iindlela ngeendlela, kubandakanya ezinye osenokungacingi ngazo. Kodwa nezo ndleko zinkulu zivakala njengexabiso elincinci lokuhlawulela ikhaya lakho.
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