Uyazi ufuna ukuthenga ikhaya - awuqinisekanga ukuba uza kuqala ngaphi. Kwaye ayimangalisi into: Ukuthenga ikhaya lakho lokuqala kunokuba yinkqubo ende, eyoyikisayo, egcwele izinto ezinje ngezibalo, amaxwebhu asemthethweni, kunye nokhuphiswano olunqumlayo. Kodwa musa ukoyika: Abathengi bexesha lokuqala njengawe usenza ngalo lonke ixesha, kwaye siza kukuhamba ngenkqubo.
Okokuqala, kufuneka uqiniseke ukuba ukulungele ngokwasemoyeni nangokwezimali ukuthenga ikhaya. Ndiyathemba ukuba uchithe iminyaka embalwa edlulileyo uzifumanela unyathela oluluqilima lwezezimali- oko kuthetha ukufumana umvuzo ozinzileyo, ukugcina intlawulo ephantsi, kunye nokuphucula ikhredithi yakho ukuze ufanelekele ukubambisa.
Ukukhangela
Akukho monakalo ekuphoseni ezindlwini ezivulekileyo ngaphambi kokuba ulungele ukuthenga ngokusemthethweni, ukuze ufumane ukuziva kwintengiso kunye nento oyithandayo nongayithandiyo. Kodwa xa sele ufumene imali yakho isikwere, lixesha lokuba uqalise ngokunyaniseka.
Ukuba uyarenta, qala ukukhangela malunga neenyanga ezintandathu phambi kokuba kuqeshwe, utshilo uMarie Presti, umnini / umrhwebi Iqela le-Presti eNewton, Mass. Kumthengi wekhaya oqhelekileyo, kuthatha iinyanga ezimbini ukuya kwezintathu ukufumana ipropathi, kwaye wakuba ufake umnikelo, zezinye iiveki ezintandathu ukuya kwezisibhozo, utshilo. Nangona kunjalo, kwiimarike ezinokhuphiswano oluninzi kunye ne-inventri encinci, ukukhangela kungathatha ixesha elide.
Ingumbono olungileyo ukuqala ngeklasi yokuqala yokuthenga amakhaya, eya kuthi ikwazise kwinkqubo kunye nabanye abaqeqeshiweyo abathembekileyo bezindlu nomhlaba kwindawo yakho. Ngokuqinisekileyo qaphela ukuthatha iklasi yokuqala yomthengi ukuze ufunde okuninzi kangangoko unakho, ngoko ke ayothusi, utsho uPresti. Ukugqibezela iklasi enjalo kuhlala kuyimfuno yeenkqubo zokubolekwa kwemali yomthengi okokuqala ngqa, ke kulungile ukuba ufumane oku phantsi kwebhanti lakho kwangethuba.
Malunga neli xesha, uyakufuna ukuqala ukudibanisa iqela lakho lokuthengiswa kwezindlu, ukuqala ngearhente yomthengi kunye nombolekisi wemali mboleko. (Emva kwexesha, uyakufuna igqwetha lokuthengiswa kwezindlu, umhloli wasekhaya, kunye nommeli weinshurensi. Ukuba uyamthanda kwaye uyamthemba umrhwebi wakho, banokukuqhubela kwezinye iinkqubo zalapho basebenze nabo ngaphambili, ukusuka kumagosa emali mboleko ukuya kwiiarhente zeinshurensi.
Imithetho kaRhulumente iyahluka, kodwa iarhente yomthengi iya kubonisa umdla wakho kukhangelo lwakho lwasekhaya kwaye uthethathethane egameni lakho, kwaye ngokubanzi ufumana ukusikwa kwekhomishini kumthengisi xa ekugqibeleni uthengela ikhaya (okuthetha ukuba awubahlawuli ngokuthe ngqo). Khetha umntu onolwazi olunzulu malunga nemarike yendawo - kwaye ngubani omthembileyo ukuba akukhathalele.
Qala ngokubonisana ngokufutshane kunye nearhente yakho ukuze ukwiphepha elinye- kufuneka bazi ukuba ufuna ntoni. U-Presti unika abathengi abatsha umsebenzi wesikolo, ebayalela ukuba beze noluhlu lwezinto ezintlanu eziphezulu ekufuneka benazo-izinto ezingathethathethaniyo ekufuneka zenziwe likhaya, ezinokuthi ziqale ukusuka kumbindi womoya ukuya kwidolophu ethile okanye indawo- kwaye emva koko zibeke phambili kubo. Kwaye ukuba uthenga ipropathi nomnye umntu, kuya kufuneka benze into enye ngokwahlukeneyo, kwaye ke nina nobabini kufuneka nihlangane kwaye nidibanise olo luhlu kuluhlu olunye oluphambili, utshilo. Oko kungathatha iiveki kunye neeveki ukuyenza.
Emva koko, u-Presti ubaxelele ukuba benze uluhlu lwezinto ezintlanu zoluhlu lwezinto abanqwenela-kwaye badibanise ezi zintlu zimbini. Ngaphandle kokuba kukho ukungqubana okubalulekileyo phakathi kwenu nobabini, olu luhlu luza kuhlala luqulathe indibaniselwano yeetoti ezimele ukuba zisuka kwizintlu zokuqala zoluhlu. Kodwa yonke into onokuhlala ubhetyebhetye kuyo ikuvulela amakhaya anokubakho- kunye namaxabiso amaxabiso.
Ukudweliswa kwezi ndlela kuya kukunceda uhlale ujonge kwezona zinto zibalulekileyo kuwe xa ujonga indlu, utsho uPresti. Ukuba abantu baqala nje ukujonga izindlu kwaye abanalo olu luhlu lulungisiweyo, bayangena kwaye ukuba inekhitshi elihle ngequbuliso bacinga ukuba lilungile. Bajonge izinto zokuthambisa, kwaye kufanele ukuba ibe yenye yezinto zokugqibela ekufuneka ujolise kuzo, utshilo.
Okokuqala, jonga ukuba iyazifezekisa na iikhrayitheriya zakho, yintoni ebalulekileyo kuwe. Okwesibini, ulwakhiwo-ludala kangakanani isithando somlilo, uphahla, iifestile- ngaphambi kokuba uqale ujonge ukuba ingaba inesitshizi sokuhlamba izitya esingenasici, utshilo uPresti. Kuba njengomnini khaya, ungatshintsha ngokupheleleyo ngaphakathi kwendlu yakho okanye ikhondomu nangaliphi na ixesha. Unayo, kwaye unokuhlala uyilungisa ngokuhamba kwexesha. Kodwa awunakuthabatha indlu kwaye uyihambise kwisitalato esixakekileyo.
yintoni ukubaluleka kwe-444
Gcina Ncamathisela Bona eminye imifanekiso (Ityala lemifanekiso: Craig Kellmann)
Fumana ukuVunywa kwangaphambili
Kuya kufuneka uphinde ufumane imvume kwangaphambili yobambiso ngaphambi kokuba uqale ukutyelela amakhaya. Enye into, ukuba ufumana indlu yakho yamaphupha kwangoko, ungaphulukana nanjengoko nifumbela inkxaso-mali. Kodwa iya kukunika nolindelo olusengqiqweni malunga nento onokufikelela kuyo. Ndihlala ndicebisa ukuba uyenze kwangoko kwangoko, kuba inokumangalisa kwaye iphazamise xa umthengi ekugqibeleni esiya kumbolekisi aze acele ukuvunywa kwangaphambili, kwaye bafumanise ukuba amanqaku abo emboleko asezantsi kunokuba bebecinga okanye abanamandla okuthenga bayayidinga, utsho uPresti.
Thelekisa ababolekisi abambalwa abahlukeneyo kunye neemveliso zobambiso kwi-intanethi, kubandakanya nezo zinikezelwa yimibutho yabathengi ukuba unelungelo kunye nentlawulo ephantsi, imali mboleko yomthengi yokuqala iarhente yezemali yezindlu yakho .
Uya kudinga ukuqokelela imirhumo, imbuyekezo yerhafu, kunye namanye amaxwebhu emali kwisicelo sakho semali mboleko. Gcina ezi kwifolda ngalo lonke ixesha ukhangela ekhaya, kuba kuyakufuneka uphinde ubanike xa ugqibezela imali yakho yokubolekwa kwemali (okanye ukuba imvume yakho yeentsuku ezingama-90 yangaphambi kokuphela iphelile).
Ngearhente yomthengi kwicala lakho kunye neleta yokuvunywa kwangaphambili esandleni, ngoku ukulungele ukubamba uluhlu kwaye ujikeleze umhlaba kwikhaya lakho lamaphupha - kwaye wenze isithembiso, ukuba uyasifumana.
Unikelo
Xa ufumana indlu elungileyo, iarhente yakho iya kukunceda ubhale kwaye ungenise isipho. Iarhente yomthengi elungileyo iya kuzama ukuqokelela ezinye iinkcukacha malunga nomthengisi ezinokuthi ziphucule amathuba akho (kwaye zichaze nokuba kufanelekile ukuba ungenise ileta yobuqu ngokunjalo), kwaye uya kuyazi intengiso yasekhaya ngokwaneleyo ukuqinisekisa ukuba ibhidi yakho iyakhuphisana.
Umsebenzi wearhente yakho kukufumanisa inkuthazo yomthengisi, nokuba zikhona ezinye izibonelelo, kwaye yintoni ebalulekileyo kumthengisi xa ejonga izibonelelo, utsho uPresti. Ngale Intel, unokukwazi ukwenza umnikelo wakho ubonakale ngakumbi ngeendlela ezincinci. Kwiimeko ezininzi, baya kufunda ukuba, ngokuqinisekileyo, imali ibalulekile, kodwa ayisiyiyo kuphela into. Mhlawumbi kubaluleke kakhulu kubo ukuba bavale ngosuku oluthile.
Ngokuqhelekileyo kuya kufuneka ufake idiphozithi kunye nesithembiso sakho, esibizwa imali enyanisekileyo , enokuba yi- $ 1,000 ukuya kwi- $ 10,000 okanye nangaphezulu. Le mali isetyenziswa kwixabiso lokuthenga ukuba isithembiso sakho samkelwe, kwaye sibuyiselwe kuwe ukuba akunjalo - kodwa ukuba ugqiba ngokwaphula imigaqo yesithembiso esamkelweyo, simkile.
Gcina Ncamathisela Bona eminye imifanekiso (Ityala lemifanekiso: Marisa Vitale)
Linda kwaye ukhathazeke
Yithathe kum, ukwenza isithembiso kuthatha isibindi esikhulu: Uyazibophelela ekuhlawuleni amakhulu amawaka eedola, ke kufuneka uyithande-mhlawumbi uthando-indawo. Kwangelo xesha, kunokwenzeka ukuba ibhidi yakho iyaliwa. Thina ndathandana nayo kwaye sifake isicelo kumakhaya amathathu kwisithuba sonyaka ngaphambi kokuba umnikelo wethu wesine wamkelwe; ukwaliwa ngakunye kwakubuhlungu.
UJudy Alexander, umrhwebi weqela laseHiggins eLexington, eMass., Uthe abanye babathengi bakhe baphumelela izihlandlo ezili-10 nangaphezulu ngaphambi kokuba baphumelele - elowo uphoxekile. Kubuhlungu, watsho. Elona candelo likhulu [lomsebenzi] kukuba ngunontlalontle. Ayizizo zonke izindlu nomhlaba.
USarah Korval, owathenga indlu nomyeni wakhe uScott ngo-2016, uthi kulapho izinto zifika khona zixinzeleleka. Kwakukho iindawo ezininzi ezihambayo ezazihamba ngokukhawuleza emva kokufaka umnikelo wethu. Yayisisivunguvungu, watsho. Kwenzekile ukuba isithembiso samkelwe kwiveki ebesiphuma kuyo ngeholide, kwaye ke kuye kwafuneka siqhube ishishini kwipaki yelizwe eneenkonzo zeseli ezingalunganga. Ukuzama ukubeka i-odolo engxamisekileyo kuvavanyo lwe-radon xa ungeva umntu kwelinye icala akuncedi uxinzelelo lwegazi.
Ithetha ntoni i-999 ngokwasemoyeni
Uvavanyo lweKhaya
Kwiimeko zentengiso eziqhelekileyo, isithembiso sakho kufuneka siqulathe imeko engxamisekileyo ekuvumela ukuba wenze uhlolo lwasekhaya kwiveki okanye enjalo yesithembiso esamkelweyo. Oku kukuvumela ukuba uphume ekuthengeni okanye uphinde uthethe kwakhona ngexabiso ukuba ukuhlolwa kwekhaya kuphendulela iingxaki ezazingaziwa ngaphambili.
Umhloli wekhaya uya kuvavanya imeko yolwakhiwo kunye noomatshini bendlu, utshilo uJorge Colon, umphathi wenkqubo e AbaCebisi abaThengiweyo baseKhaya , Inkqubo ye-Allston-Brighton Development Corp. engenzi nzuzo eBoston.
Abazi yonke into, kodwa umhloli wekhaya unokukwazisa malunga neengxaki ezibonakalayo okanye iindawo ezinokuba nengxaki ezinokufuna ukujongwa kufutshane nengcali, njengomhloli wezinambuzane okanye injineli yolwakhiwo. Uhlolo umyinge malunga ne-300 ukuya kwi-500 yeedola , kwaye kufuneka ihlale iiyure ezimbalwa. Ukuba uyakwazi, licebo elihle ukuba umthunzi umhloli afunde ngendlu.
Umhloli wamakhaya uya kukuxelela, umzekelo, ukuba isixokelelwano sokufudumeza okanye uphahla kufuneka lutshintshwe kwikamva elingekude, zombini ezinokuba lulungiso olunendleko, utshilo uColon. Ukuba ubandakanye imeko yokuhlola, unokusebenzisa ingxelo yomhloli ukuthatha isigqibo sokuba uza kuphinda uthethe okanye uphinde ubuye kwintengiselwano ngaphandle kokulahlekelwa yidipozithi yakho. Nangona kunjalo, yintoni umhloli wekhaya angenakukuxelela yona kukuba ufanele ukuthenga ikhaya okanye hayi, wongeza uColon. Oko kuya kumthengi.
Kwimarike eshushu, abathengi bexesha lokuqala bangasokola ukugcina abathengi bemali, kwaye banokuziva benyanzelekile ukuba balahle iimeko ezingxamisekileyo kwisibonelelo sabo-njengokujonga imeko yekhaya. Ndicinga ukuba kufuneka ube yinkwenkwe yenkomo yokwenyani ukwenza loo nto, ndiyathetha, uAlexander wandixelela. Kodwa kwelinye icala, ukuba ufuna ukuba semsebenzini, abathengisi ngokwesiqhelo abafuni ukwamkela isithembiso kunye nohlolo lokungxamiseka ukuba kukho amabhidi amaninzi abandakanyekayo.
Enye indlela u-Alexander acebisa ngayo ukuba ujikeleze ukuba kwiimarike ezinokhuphiswano kukucinezela kuhlolo lwasekhaya phakathi kwendlu evulekileyo kwaye xa zonke izibonelelo zifanelekile, zihlala ziintsuku ezimbalwa kamva. Okunye kukubuyela umva uyokuyibona indlu okwesibini ngaphambi kokuba ifumaneke, kwaye ngeli xesha unokontraka onolwazi okanye umhlobo okwelo shishini onokuthi afumane ubushushu, umbane, imibhobho yamanzi, ezona nkqubo ziphambili ndlu, utshilo.
Ikholoni iyalumkisa ngokuchasene nokuyeka imeko yohlolo lwakho, ngaphandle kokuba unendlela yokugubungela naluphi na ulungiso olungalindelekanga. Xa ubhala isithembiso, qiniseka ukuba imigaqo kunye neemeko ezibandakanyiweyo ziyinyani kuwe, utshilo. Sukuvumela ukhuphiswano lwentengiso ukuba lukunyanzele ukuba wenze izigqibo ngokweemvakalelo.
IsiVumelwano sokuThenga nokuThengisa
Emva kokuba uhlolwe ikhaya kwaye, emva kwako konke ukuphinda uthethathethwano, omabini amacala akulungele ukuqhubeka, lixesha lokusayina ikhontrakthi yokugqibela, ehlala ibizwa ngokuba isivumelwano sokuthenga kunye nentengiso (I-P & S). Oku kuya kuchaza ixabiso lokugqibela lokuthenga, umhla wokuvala, kunye nezinye iinkcukacha zomthetho malunga nentengiso. Ingabandakanya iimeko ezongezelelekileyo ezikhusela wena okanye umthengisi: umzekelo, imeko yemali mboleko inokukuvumela ukuba ubuye umva xa ungakwazi ukufumana imali.
Ngenisa isicelo sokugqibela semali mboleko kunye neVenkile ye-Inshurensi yabanini bamakhaya
Nje ukuba i-P & S isayinwe, lixesha lokuba ugqibezele inkxaso-mali yakho. Uya kungenisa isicelo semali-mboleko yokugqibela-ukuvuselelwa kwesicelo sakho sangaphambili, kunye nemivuzo emitsha yokuhlawula kunye nezitetimenti zebhanki-ukuze ubhalise ngokungqongqo ngakumbi. Gcina ikhredithi yakho ekutshixeni ngeli xesha, njengoko ungafuni ngesiquphe ikhadi lekhredithi ukuwisa amanqaku akho etyala kunye nokusilahla isicelo sakho sokubambisa.
Malunga neli xesha, umbolekisi wakho uya kuqesha umvavanyi ukuvavanya ixabiso lepropathi. Oku kuya kubiza malunga needola ezingama-300 ukuya kuma-400 , nangona inokufakwa kwiindleko zakho zokuvala. Ukuba ubiza ixabiso elicelwayo, oku kunokuba kukuphazamisa, kuba ufuna uvavanyo lokungena kufutshane okanye ngaphezulu kwexabiso ekuvunyelwene ngalo - umbolekisi akazukuboleka imali ngaphezulu kwendawo ekufaneleyo.
Ngoku usebenza ngamanani agqityiweyo, oku kuhlala kuyindawo apho abathengi baya kukhetha ukutshixa inzala yeentsuku ezingama-30 okanye ezingama-45- ixesha elide ngokwaneleyo ukubamba onke amanani endaweni ngomhla wakho wokuvala. (Nangona kunjalo, unokukhetha ukutshixa amaxabiso nangaliphi na ixesha lale nkqubo - igosa lakho lemali mboleko linganakho ukukucebisa malunga noku.) Umbolekisi wakho kufuneka ngoku akwazi ukukunika uvavanyo oluchanekileyo lweendleko zokuvala kunye nayiphi na iinshurensi okanye irhafu yepropathi kuyakufuneka uhlawule kwangaphambili (kunyaka ozayo) xa kuvalwa.
Ukuthetha ngeinshurensi yabanini bamakhaya, kuyakufuneka ufumane ezinye ngaphambi kokuba uvale kwikhaya - ibhanki ayizukunikezela ngamakhulu amawaka eedola ngaphandle kwesiqinisekiso sokuba utyalomali lwayo lukhuselwe nge-inshurensi. Umthengisi wakho angakwazi ukucebisa iarhente yeinshurensi yendawo, okanye ukuba wanelisekile yinshurensi yemoto yakho, ungababuza malunga nokuhlanganisa imigaqo-nkqubo yemoto kunye neyabanini bezindlu ngesaphulelo. Xa ungathandabuzeki, jonga iarhente ezimeleyo enokuthi ithengise ngexabiso elifanelekileyo kunye nokugubungela egameni lakho.
Ukuvala
Ngaphambi nje kokuba uvale, uya kuba nethuba lokwenza uhambo lokugqibela lokungena ekhayeni, uqiniseke ukuba alinanto, licocekile, kwaye alicacanga - indlu enye ovumile ukuyithenga. Ukuxhalaba kunokuba phezulu ngeli xesha, kodwa akukho qela lifuna ukuba isivumelwano siwele ngoku, ke naziphi na iinkcukacha zokukhahlela zinethemba lokuba zinokusebenza. (Umthengisi wethu wazama ukushiya ifanitshala enkulu, embi ngasemva - sasingenayo.)
Iinkqubo zokuvala ziyahluka, kodwa ngokubanzi uya kudibana nomthengisi, abathengisi bezindlu, kunye namagqwetha ukuze utyikitye isivumelwano - kwaye wongeze uJohn Hancock malunga nekhulu kwezinye iifom zezomthetho. Iarhente yakho okanye igqwetha lakho linokuchaza nantoni na ongayiqondiyo- kulungile ukubuza imibuzo. Yinto entle kakhulu, emva kwayo yonke loo nto.
Gcina Ncamathisela Bona eminye imifanekiso (Ityala lemifanekiso: UDiana Liang)
Kwaye ekugqibeleni, voila! Uya kufumana izitshixo zendlu yakho entsha. Ndiyakuvuyela!
Ithetha ukuthini i-444 kubalo lwamanani
