Ukujonga izindlu eLos Angeles ngamanye amaxesha ndandiziva ngathi ndikumboniso womdlalo. Ngubani onokufumana ikhaya eligqibeleleyo, aye endlwini evulekileyo, kwaye enze isithembiso ngokukhawuleza?
Kwezinye iimeko, siya kufumanisa kwiarhente yethu ukuba indlu sele inezinto ezintlanu-ezingaphantsi Iiyure ezingama-24 emva kwendlu yayo evulekileyo.
Kwimakethi enokhuphiswano olunje, abantu baziva bengxamile ukwenza isigqibo. Ndandihlala ndiphupha kakubi, kwaye nganye iyafana: bendiya kwenza isithembiso endlwini, ndifumanise ukuba kukho into eyoyikisayo, ephosakeleyo ngokungalungisekiyo, kwaye unamathele kuyo ngonaphakade.
Ngethamsanqa, kukho amanyathelo akhoyo okunqanda loo nto ukuba ingenzeki, nkqu nakwezona ntengiso zinkulu zezindlu. Elinye lala manyathelo lifuna imali enyanisekileyo, okanye idiphozithi elungileyo.
11:11 ungqinelwano
Yintoni imali enyanisekileyo?
Imali ehlawulwa ngokusisiseko idiphozithi kwindlu ayenzayo umthengi kwindlu ethengiswayo. Imali zihlala zigcinwa ngokukhuselekileyo kwiakhawunti yokuhamba.
Inqaku ledipozithi kukubonisa ukuba umthengi uzimisele ngokuthenga. Nje ukuba isixa singenisiwe, umthengisi kufuneka asuse indlu yakhe kwintengiso. Imali evunyiweyo ihlala ibotshelelwe kwimeko ezithile (okanye iimeko ezifuna ukuhlangatyezwa) endaweni kwisivumelwano, njengokuqinisekisa ukuba umthengi uyakwazi ukufumana imali, unokuyihlola ipropathi kwaye ayenze ihlolwe, kwaye aqhube ukukhangela isihloko. Ukuba yonke into ihamba kakuhle, idiphozithi elungileyo inokuya kwintlawulo kunye nokuvala iindleko-okanye inokubuyiselwa imali ngokupheleleyo.
Ukuba umthengi akanelisekanga luhlolo, umzekelo, okanye akafumani mboleko yakhe evunyiweyo, imali yabo yokunyaniseka iyabuyiselwa kwaye umthengisi uyakwazi ukubuyisela indlu yakhe kwintengiso. Nangona kunjalo, ukuba umthengi ufumana iinyawo ezibandayo kunye nomqolo kwintengiselwano ngaphandle kwesizathu esivakalayo, umthengisi ugcina imali ethembekileyo.
Kufana nokufaka umsesane kuyo. UKaren Kostiw waseWarburg Realty uxelela Unyango lweNdlu, Idiphozithi yemali enyanisekileyo iyafana nomntu onobudlelwane obunothando obunikezela ngeringi yokuzibandakanya njengesibhengezo sothando lwabo, ukuzinikela, ukuzibophelela kunye neenjongo zokutshata.
Ngaba kufuneka imali yokunyaniseka?
Akufuneki rhoqo. Ummeli uChristopher Totaro waseWarburg Realty Icacisa ukuba kuxhomekeke kweliphi ilizwe kunye / okanye isixeko esenzeka kwintengiselwano yokuthengiswa kwezindlu.
Nazi akukho mali incinci ifunwayo ngokusemthethweni nakweyiphi na imeko e-US Nokuba kufuneka imali yokwenene (okanye ingakanani imali) exhomekeke kukhuphiswano lwentengiso yezindlu. ECarlifonia, umzekelo, ikhontrakthi phakathi komthengi kunye nomthengisi ngokusemthethweni kufuneka ibandakanye ukuqwalaselwa kwemali ethembekileyo, kodwa imali leyo inokuba yiyo nantoni na efunwa ngumthengisi.
Ngokwesiqhelo umthengisi kunye nomthengi baya kukhetha ukubandakanya imali ethembekileyo kwisivumelwano, kuba ikhusela omabini amaqela.
Gcina Ncamathisela Bona eminye imifanekiso Ityala: Jen Grantham / Stocksy
lithetha ntoni u-10: 10
Ngaba imali yokunyaniseka iyabuyiselwa?
Idiphozithi yemali ebambekayo iyabuyiselwa ngaphandle kokuba umthengi abuye ngaphandle kwezizathu ngaphandle kwesivumelwano phakathi kwabo nomthengisi. Umzekelo, ukuba umthengi ugqiba nje ukuba akafuni ukuthenga indlu ngaphandle kwesizathu esibekiweyo kwisivumelwano, umthengisi unelungelo lokubambelela kuyo yonke imali. Emva kwayo yonke loo nto, bona uyenzile thabatha indlu yabo kwintengiso yaloo mthengi, kwaye ngoku ekubeni isivumelwano singahambi, umthengisi usenokuba uphulukene nexesha kunye nezibonelelo ezinokubakho eziyimpumelelo.
Nangona kunjalo, ukuba umthengi (okanye umthengisi) uthatha isigqibo sokuba akafuni ukuqhubela phambili ngentengiselwano ngenxa yesizathu esisemthethweni okanye ukusilela kwesinye sezinto ezingxamisekileyo ekuhlangatyezwane nazo, imali ebekiweyo kufuneka ibuyiselwe ngokusemthethweni, uKostiw utsho.
Yintoni ngokubanzi isixa semali efunekayo?
Kuxhomekeka kwintengiso yezindlu, kodwa ngokubanzi iipesenti 1-5 zexabiso lokuthengisa liyacelwa. Nangona kunjalo, abanye abathengisi banokucela isixa esiqhelekileyo, njenge- $ 500 (oku kuhlala kwenziwa ukuba intengiso ipholile, okanye ukuba umthengisi ufuna ukuyikhupha ezandleni zabo ngokukhawuleza). Kwiimarike ezishushu, umthengisi unokucela iipesenti ezili-10 okanye ngaphezulu.
UTotaro uxelela iTherapy Therapy ukuba imali ixhomekeke kwindawo ohlala kuyo nakwimpilo yentengiso yezindlu: Umzekelo, i-NYC ihlala iyidiphozithi ye-10 yepesenti yexabiso lokuthenga ngenxa yokusayina ikhontrakthi.
Ewe, kuthekani ukuba andinamali inyanisekileyo?
Ukuba imali ethembekileyo iyafuneka kumthengisi, kuhlala kungekho ndlela iyijikelezayo. Ngokukodwa kwimarike yokhuphiswano ngakumbi, ukuba awukwazi ukwenza ifolokhwe, umthengisi uya kuthatha omnye umntu onomdla kwipropathi.
Umthengisi osekwe eLos Angeles uLeslie Marquez uthi, Umthengi [ngezobuchwephesha] angenise nasiphi na isithembiso asinqwenelayo. Nangona kunjalo, injongo kukwenza ukuba isibonelelo sakho samkelwe kwaye oku kufuna amagama anamandla. Imali ehlawulwayo yenye yala magama, kwaye ngaphandle kobuncinci beepesenti ezi-3, akunakulindeleka ukuba isithembiso sakho samkelwe kwintengiso yokhuphiswano njengeLos Angeles. Isithembiso ngaphandle kwediphozithi unako yamkelwe ukuba umthengisi uyavumelana naloo miqathango, nangona.
Nangona kungacetyiswanga kakuhle, ungayifumana imali ethembekileyo njengesipho kusapho okanye kubahlobo. Kuya kufuneka uxelele umbolekisi, ukuze babonelele ngamaxwebhu ezipho (amaxwebhu abalulekile, kuba umthengi uyakudinga ukubonisa ukuba yimalini ebibekiwe xa kuzaliswa iirhafu zabo kunyaka owawuthengwe ngawo umzi).
Yeyiphi inkqubo yemali enyanisekileyo ukuba uthatha imali mboleko ye-VA?
Imali efanelekileyo iphathwa ngokufanayo xa umthengi ethatha i-VA mboleko, kodwa umahluko kuphela kukuba, ekubeni imali-mboleko ye-VA ayizukufuna ntlawulo iphantsi, idiphozithi iya ngasekuvalweni kweendleko okanye kwimbuyekezo epheleleyo.
Ngaba ungalufumana uncedo lokufaka imali ngokunyanisekileyo?
Okwangoku azikho naziphi na iinkqubo ezinceda ngoncedo lokunyaniseka lokufaka imali, ngokukaMarquez.
Yintoni ebalwayo njengobungqina bokufakwa kwemali ngokunyanisekileyo?
Ngokubanzi uza kuhlawula ngetsheki eqinisekisiweyo, ngetshekhi yakho, okanye ngocingo oludlulisiweyo. Ngokwesiqhelo uyakufumana isiqinisekiso okanye irisithi yokuba uyifakile imali, kwaye ngokuqinisekileyo uya kufuna ukubambelela kolo xwebhu.
Intengiselwano yemali enyanisekileyo isikwe kakhulu kwaye yomile, kodwa kubalulekile ukuba uhlale uqaphele kwaye uqiniseke, nokuba ungumthengi okanye umthengisi, ukuba onke amaqela abambelela kwisivumelwano. Xa ujongene nezixa ezikhulu zemali ezinje, kuyanceda ukuba iiarhente kunye namagosa emali mboleko bahlala bebandakanyeka njengabangeneleli-baya kuqinisekisa ukuba abathengi babo abakhutshwa, kwaye ukuba kukho nayiphi na imiba, Ndiza kusebenza njengodibaniselwano kude kube yonke into isonjululwe.
Mhla ndagcwalisa isixa semali yam yokuqala yokholo kwidiski eyoyikisayo. Ngaba ndingaze ndiphinde ndiyibone loo mali? Kuthekani ukuba ilahlekile?
Ngethamsanqa, le nkqubo beyilula- kwaye ndaphinda ndayibona imali yam, ibibekwa nje ekuhlawuleni nasekubhataleni iindleko. Ukungenisa imali yokunyaniseka yenye yeendlela ezibonakala ngathi zezamawaka xa kuthengwa ikhaya. Kodwa ikho ukukhusela zombini umthengi kunye nomthengisi.
yintoni ingelosi engama-333
Kuthekani ukuba emva kwalo lonke elo xesha kunye namandla achithwe, umthengisi wagqiba kwelokuba abasafuni ukuthengisa ikhaya labo kwakhona? Kuthekani ukuba bafumana isithembiso esikhulu kwaye bafuna indlela yokuphuma kwintengiselwano yabo yangoku? Emva kokuba mna nomyeni wam sivale indlu, sonwabile kuba sinenqanaba elongezelelweyo lokhuselo osinike lona. Ukuba inkqubo yokuthenga indlu ibingumboniso womdlalo, (ekugqibeleni) siphumelele.
