Ingangathi iyaphikisana, kodwa ukuthenga indlu enkulu kunokuba uyidinga okanye ikhaya elinosapho oluninzi (njengendlu yokuhlala, ezimbini okanye ezintathu-iflethi, okanye i-brownstone) kunye neeyunithi ezibaziweyo kunokukunceda ugcine imali. Ngaphambi kokuba uncwine malunga nokuba namagumbi okuhlambela angaphezulu okucoca, sive! Ngamagumbi okanye iiyunithi ezingaphezulu, ungathatha abaqeshi ukukunceda ekuhlawuleni iindleko zakho zenyanga zobambiso kunye nokusetyenziswa, ukubeka imali kwinqununu yemali mboleko ngelixa ixabiso lepropathi yakho (ngethemba!) Linyuka.
Esi sicwangciso sithetha ukuba ube ngumninindlu ohlala kuyo. Ukunkqonkqoza kwigumbi lakho lokulala-lomqeshi kwigumbi lokulala xa irenti ihambile? Ewe, oko kuyathandeka (kodwa kuyathinteleka njengoko iarhente yokuthengisa izindlu nomhlaba sele iza kusifundisa).
Ukuba ulungele ukuthatha into enkulu- kunye indlela eya ekhaya kubuninimzi, nazi izikhombisi ezimbalwa ezivela kwiingcali ukunceda ukuhambisa inkqubo kunye nokuphepha umdlalo weqonga.
Yazi into onokufikelela kuyo
Ukuba ucwangcisa ukuthenga indlu ebanzi, yosapho olunye kunye nokuqeshisa igumbi okanye amabini ngelixa uhlala endlwini, ngekhe ukwazi ukusebenzisa loo mali yengeniso yexesha elizayo ukuze ufaneleke kubambiso lwakho.
Kodwa, ukuba uthenga ikhaya elinosapho oluninzi-kwaye enye yeeyunithi ezikwi-duplex okanye kwisakhiwo yindawo yokuhlala yakho yokuqala-ababolekisi banokuthatha umvuzo oqikelelweyo wokuqesha.
Iyahluka kancinci kuxhomekeke kumbolekisi kunye nemarike; ngamanye amaxesha ababolekisi bayakudinga abaqeshi ukuba babekhona kwindawo yokuqeshisa ngaphambi kokuba babone ingeniso yerenti, abanye baya kwamkela ukubakho kweentengiso zokuthengisa nokuba ngaba abaqeshi abakhoyo ngokwasemzimbeni sele bekho, uyacacisa UKate Ziegler , Utyalomali, usomashishini, kunye nomthengisi ngeArborview Realty eBoston.
UZiegler unamava ngobuqhetseba bendlu-indawo yokudlala yokuthengisa izindlu nomhlaba apho uhlala kwiyunithi enye, kwaye uqeshisa abanye ukuba babhatale imali mboleko yakho. Yena nomyeni wakhe bathenga ikhaya labo lokuqala kwi2013, esisakhiwo seentsapho ezintathu kwindawo yaseBoston eJamaica Plain. Bazuza ilifa kubaqeshi kwiiyunithi ezimbini, kwaye bafudukela kwiyunithi engenabantu kwi-decker ezintathu.
UZiegler ucebisa ukuba ngaphambi kokuba uthenge ikhaya elinosapho oluninzi, ucinga imeko yecala elibi xa kufikwa kumba wokugubungela ubambiso lwakho.
Izithuba ziyenzeka, kwaye kuya kufuneka ukulungele ukuyigcina yonke imali yakho yokubolekwa kwemali ixesha elithile xa kunokwenzeka, utshilo. Fumana umbolekisi oza kuxoxa ngeendlela ezahlukeneyo kwiinjongo zakho, kwaye uthembele amanani akho.
Ukukhetha phakathi kwekhaya elikhulu losapho olunye okanye iyunithi yeentsapho ezininzi
Kwisithuba seminyaka emine, uZiegler kunye nomyeni wakhe balungisa ipropathi yabo kwaye yaxabisa ngaphezulu kwama-50%. Aba babini bafumanise ubuchule bokuqeshisa ngomhlaba kunye nothando ngezindlu. Ekugqibeleni bancedise ukuqala kokuthenga enye. Umyeni wakhe ushiye i-9-to-5 yakhe njengenjineli yesoftware ukuze aqalise ukuqala ngokutsha kwezindlu, ukulawula ipropathi kunye nokwenza ulungiso.
Ukuqala kwethu kule ndlela, akukho namnye-nakwimizi-mveliso-owayeqonda ukuba sizama ukwenza ntoni, utshilo. Kodwa, ngakumbi nangakumbi abathengi abancinci baveza umdla wokucima iindleko zabo zezindlu ngengeniso yerente, kwaye kunokwenzeka.
Isilumkiso esifanelekileyo: Ukufumana ikhaya elinosapho oluninzi onokulithenga kunokuba nzima. Kwimeko kaZeigler, yena nomyeni wakhe bakhangela bangenisa izithembiso iinyanga ezili-18. Babenemilinganiselo emxinwa, kodwa babekhuphisana nabaphuhlisi njengoko uninzi lwee-multisultes ziguqulwa zenziwa iikhondomu.
Olunye ukhetho, nangona kunjalo, kukuthenga indlu enkulu kunale uyifunayo kunye nokurenta amagumbi.
Iyintoni intsingiselo ye1212
UWes Woodruff , Umcebisi onelayisenisi ngendleko zokuthenga indlu nge Imali mboleko yasekhaya ye-Oak Oak eAtlanta, uthi kutshanje uye wathenga umthengi ikhaya elizii-600,000 zeedola kwindawo enexabiso elikhawulezayo. Intlawulo yanyanga zonke iyi- $ 3,500 ngenyanga, kodwa umnini unamagumbi amathathu ahlala naye ahlawula i-900 yeedola ngenyanga, eshiya umniniyo nge-800 yeedola ngenyanga ukungena ngaphakathi. kuba kukucinywa kwabanini mhlaba, nako uWoldruff uyakhomba.
Ndicinga ukuba licebo elihle ukuba abantu baqwalasele-ngakumbi abantu abancinci abangatshatanga, utshilo uWoodruff. Ungahlala nabahlobo. Ungayinja. Unokuba nokupheka. Kwaye, kwangaxeshanye, ungakha ubutyebi obuninzi ngokwenza abanye abantu bahlawule ubuncinci isabelo sobambiso.
Ukulawula abantu ohlala nabo
Ukumisela izinto ezilindelekileyo ngumba ophambili kubo bonke ubudlelwane bomnini-ndawo, kodwa kubaluleke ngakumbi kubaqeshi abakwindawo abahlala kuyo, utshilo uZiegler.
Kuya kufuneka ukuba uqwalasele ubume obongezelelekileyo beemeko: Ngubani onoxanduva lokususa ikhephu; ngaba umqeshi kulindeleke ukuba aphathe imisebenzi yekhaya xa useholideyini; uthini ngokufumaneka ukuze udibane nemibhobho yamanzi; kwaye ngubani othethayo ngemibala yepeyinti?
intsingiselo ye-911
Khumbula ukuba nangona ilikhaya lakho, ikwalikhaya lomnye umntu, kwaye wena njengomnini-mhlaba unoxanduva lokugcina uxolo nokuzola kwakho, utsho.
Yiba nengqeshiso kwaye uqwalasele umphathi wepropathi
Nokuba umqeshi wakho uhlala naye egumbini lakho, qeshisa, utshilo uZiegler. (Ewe, ngakumbi ukuba loo mntu uhlala naye yi-BFF yakho).
Izivumelwano zokuqeshisa zikhusela wonke umntu obandakanyekayo ngokuchaza okulindelweyo kunye nokuseta izindima zomthetho, utshilo.
U-Evan Roberts, umenzeli wearhente yezindlu Abathengi basekhaya abanokuthenjwa eBaltimore, eMaryland, ucebisa abathengi bakhe abahamba ngeendlela ezininzi zosapho ukuba baqeshe inkampani yolawulo lwepropathi.
Ukuqonda indlela yokujonga abanini-ndawo sisakhono esithatha iminyaka ukugqibelela, utshilo uRoberts. Ukuba nenkampani yolawulo kuya kuwanciphisa amathuba okuba umqeshi ombi atyibilike kwinkqubo yesicelo. Bayazazi ezona ndlela zokuthengisa ipropathi, ekunceda ukuba ufumane umqeshi ngokukhawuleza kunokuba ngokwakho.
Ukuba nomphathi wepropathi kuya kusebenza njengesiphatho ukuze izikhalazo kunye nezicelo ziye kubo endaweni yokuba umqeshi akukhathaze.
Abaqeshi akufuneki nokuba bazi ukuba ungumnini ngelixa uhlala nabo, utsho. (Ngokuqhwanyaza, akunjalo? Kodwa oko kukwathetha ukuba ayinguye umntu ongena emnyango ekuseni ukuba uthi, ukulahlwa kwenkunkuma kuyaphuka).
Kananjalo, abaqeshi abaqeshisa ngenkampani yolawulo lobuchwephesha abanamathuba okutyhala imida njengokuhlawula irenti kade, utshilo uRoberts.
Olunye ukhetho olunokonga imali kodwa lukunciphise ngemisebenzi enzima yomninindlu kukuzama inkonzo efana nale Iyafumaneka , eyilelwe abaninimzi be-DIY, kwaye iyakwazi ukwenza imisebenzi echitha ixesha njengokuqokelela irente, ukufumana kunye nokuhlola abaqeshi, kunye nokulawula imiba yolondolozo.
Ke, uqinisekile ukuba umnini-mhlaba kufuneka ube licandelo lakho elilandelayo?
