Kuqala kuza uthando. Emva koko kuza umtshato. Emva koko kuza iipesenti ezili-18 eziphezulu zokuba ngumninikhaya.
Ngokophando oluvela kwi- IZiko leDolophu , umtshato olibazisekileyo yeyona nto iphambili ibambe iminyaka emininzi kumnini wamakhaya. Ukuba amaxabiso emitshato ebelingana nango-1990, inani labanini bamakhaya beliya kuba malunga neepesenti ezintlanu ngaphezulu, latsho iziko lophando lomgaqo-nkqubo wezoqoqosho nezentlalo eWashington, D.C.
Ewe oku kuyacaca njengoko ukuba nemithombo emibini yengeniso kunokwenza ukuba kube lula ukufumana intlawulo kwaye bafaneleke kwimali mboleko enkulu yendlu, becinga ukuba omabini amaqabane azisa imali kunye nekhredithi elungileyo etafileni. Ukutshata kunokubonelela ngomnatha wokhuseleko ukuba kunokwenzeka imeko engxamisekileyo yezemali-uyazi yonke into etyebileyo okanye ubuhlwempu.
Ke, ngaba kuya kufuneka ulinde de ufumane iringi yomtshato emnweni wakho ukuze utyikitye loo maxwebhu okuvala? Ngokuqinisekileyo akunjalo, yithi iingcali zezindlu nomhlaba kunye neengcali zemali.
Idibeneyo: 8 Ingxaki Ekusombululeni Ithagethi Ithenga Abahlali Abancinci Bezindlu Ngezifungo
Ngapha koko, uninzi lwabantu abangatshatanga bathenga amakhaya. Ngokutsho kohlalutyo lwamva nje oluvela kwiLendingTree, ngokomndilili, abafazi abangatshatanga banamalungu angama-22 eepesenti emakhaya e-U.S. Oku kunomdla ngakumbi kuba umfazi ophakathi e-US esenza kuphela Iipesenti ezingama-80 wento ehlawulwa ngumntu ophakathi.
Ukuba umsebenzi wakho uzinzile, kwaye ukholelwa ngamandla ukuba uhlala kwisixeko osibiza ngovuyo njengekhaya, kutheni ungatyali imali kwikhaya lakho, wakhe ubulungisa bakho, kwaye wakhe iqanda lendlu ngekamva lakho? utsho Ikama kaJeremy Ummeli wearhente yezindlu kunye neWarburg Realty kwisiXeko saseNew York.
Ithetha ntoni i-410
Isipho seengcali sikaValentine sokungaculi kulo nyaka: Ingcebiso ngendlela yokuthenga ikhaya ngokwakho.
yintoni intsingiselo yama-555
Zininzi izibonelelo zokuba nendlu ngelixa ungatshatanga
Akunyanzelekanga ukuba ulalanise nomnye umntu
Sonke siyibonile inyani yokuzingelwa kwendlu ibonisa apho izibini zahlulwe ikakhulu kule nto ziyifunayo. Ngu… ukungonwabisi.
Xa uthenga indlu ngokwakho, nangona kunjalo, inye kuphela imbono ebaluleke kakhulu, yazisa uKate Ziegler, umtyali mali kunye neRealtor Indawo yokwenene yaseArborview eBoston: eyakho!
Abathengi beSolo ngekhe baphikisane ngezinto zekhitshi, kungabikho mpikiswano malunga nokuba igumbi lodaka liyimfuneko, akukho kungavisisani malunga nokuba mabenze ntoni ngephepha lodonga, utshilo. Abathengi abangatshatanga banokumangaliswa ukuba kungakanani na amandla anokulahleka kwezi ngxoxo kumzi wokudibanisa izindlu, kwaye banokutsiba baye ngaphambili kuloo mgca kwaye baye ngqo kwisibonelelo.
Idibeneyo: Nantsi into onokuyifumana nge- $ 2,300 ngeNyanga (nangaphantsi) kwi-NYC ngoku
Uya kufumana ukuncitshiswa kwerhafu
Kwaye ukuba awutshatanga kwaye awunamntwana, kunjalo kakhulu kunokwenzeka uphoswa ngerhafu ephezulu kunabo batshatileyo nabantwana. Ukuba nekhaya kunokunceda ukupela i-r-e-l-i-e-f njengoko kuza nonciphiso olukhulu lwerhafu, utshilo uJennifer Carey, umlawuli wentengiso INew York yenyani , inkampani ethengisa izindlu nomhlaba. Iirhafu zepropathi zithathwa zaya kutsho kwi- $ I-10,000 ngonyaka , uthi. Inzala yobambiso yirhafu etsalwayo kwimali mboleko ukuya kuthi ga $ 750,000 (kwaye, mhlawumbi ngaphezulu ukuba uthenge ngaphambi kukaDisemba 15, 2017), kodwa, ukuba ubutshatile kwaye ugcwalisa ngokwahlukeneyo, loo cap iya kuba yi- $ 375,000 yabantu ngabanye.
Kwakhona, inyani kwindalo iphela-nokuba utshatile okanye awutshatanga-kukukhawuleza ungene kwimarike yokuthengisa izindlu nomhlaba, ngokukhawuleza uyeke ukuhlawula irente kwaye uqale ukwakha ubutyebi ngokwazisa ekhaya kunye nokulingana, utsho URobert E. Tait Igosa eliphezulu lemali mboleko kwiAllied Mortgage Group.
Iingcebiso zokuthenga ikhaya ukuba awutshatanga
Ke, ngoku ucinga ngokuthenga ikhaya njengomntu ongatshatanga? Ephakamileyo ezintlanu ukuya kuloo. Nazi ezinye iingcebiso zokukunceda uguqule amaphupha akho obunini bezindlu abe yinyani:
Yiba nenyani malunga nohlahlo-lwabiwo mali
Jongisisa iindleko zakho zenyanga, ucebise ngeTait, kwaye ubone ukuba inkcitho yakho yokubona iya phi. Zilungiselele ukuzincama ukuze uthenge indlu. Ukuzincama kunokuba lula njengokunciphisa isidlo sasemini okanye isidlo sangokuhlwa, okanye ukuya kwimiboniso bhanyabhanya, kwiikonsathi nakwezemidlalo; okanye mhlawumbi ubambe nokuthenga imoto entsha iminyaka embalwa, utsho. Xa sele uza kwenza ezo zinto zithengwayo, uTait ucebisa ukubeka imali kulondolozo ukuze uye kuthenga ikhaya endaweni yoko.
Idibeneyo: Imibuzo engama-20 omele uyibuze kumnini-mhlaba ngoku
Cinga ngokufumana umntu ohlala naye ngelixa ugcina
Mhlawumbi idini lokufumana umntu ohlala naye okanye ababini kwirenti yakho yangoku, utshilo uTait. Okanye, mhlawumbi ubuyela ekhaya nabazali bakho unyaka okanye emibini ukuze ugcine imali yokuhlawula.
Khumbula, konke oku kukuzincama kwexesha elifutshane, utshilo.
Crunch amanani-kwaye ubathembe
Sebenzisa iimeko ezahlukeneyo kwaye uthethe izinto nombolekisi omthembileyo, kwaye uqiniseke ukuba intlawulo yakho yenyanga inokulawulwa, uZiegler ucebisa. Ukufumana ukonwaba ngakumbi xa usenza into, ukuqeshisa kwimarike yophando kwindawo ekujoliswe kuyo ukumisela into onokuyilindela ukuyifumana kwirenti ukuba, ngokuzithemba, udibene nomphefumlo wakho kwinyanga ezayo-kodwa bahlala kwelinye ilizwe kwaye ufuna ukuhamba , uthi.
ukubona i-111 ngalo lonke ixesha
Zama ‘ukugqogqa indlu’
Khumbula ukuba ukuthenga kwakho okokuqala akufuneki kube likhaya lakho ngonaphakade, utshilo uZiegler.
Ikhaya elincinci yeyunithi enye okanye enkulu exhaswa ngabantu ohlala nabo inokuba lutyalo-mali olukhulu ngoku, nokuba ubomi bakho bothando bukusebenzela ntoni ngokulandelayo, utshilo. Ngu ukubiwa kwendlu , Unokuqeshisa amagumbi okanye iiyunithi ekhayeni lakho ukunceda ukugubungela isiqwenga esikhulu semali mboleko yakho.
Unokufuna ukukhangela ikhaya elinomtsalane kwizibini ezitshatileyo
Nokuba awutshatanga kwaye awunamntwana, kunokuba sengqiqweni ukukhangela ikhaya elinomtsalane kusapho. Ngokuqinisekileyo, ungatshata kwaye uqale usapho lwakho kwinqanaba elithile lendlela. Kodwa nokuba awukwenzi, kububulumko ukucinga ukuba ngubani oza kuba ngumthengi xa ushukuma.
Idibeneyo: Iidolophu ezi-5 ezibiza kakhulu zase-US kubanini bamakhaya
Xa ndimele abathengi abangatshatanga, ndibacebisile ukuba bagcine umbono ovulekileyo wokuba ngubani onokuba ngabathengi, utshilo U-Emil Hartoonian Umenzeli wearhente yokuthengiswa kwezindlu kunye neArhente eLos Angeles. Amaxesha amaninzi, lusapho. Ewe, ukuthetha nomthengisi wakho wearhente yezindlu kuya kukunceda uqonde ngcono ukuhambelana kweemarike kunye neendawo ohlala kuzo.
Ngoku ukuba uziva unamandla okuthenga eyakho-lixesha lokuba uqalise ukucinga malunga nokuba kuya kuba njani xa usithi ndlelantle ebomini. Nazi iindlela ezisixhenxe zokwamkela ukuhlala wedwa.
Inombolo yeengelosi ezili-1212 ezinentsingiselo
