Ngaba ufanele uthenge ngoku okanye ugcine ngaphezulu ukuze uhlawule ngentlawulo? Nantsi indlela yokuthatha isigqibo

Uyabona ukuba ngumnini khaya kwikamva lakho. Kodwa, emva kokujonga kwibhola yakho yekristale-isiphoso, iakhawunti yokonga- ngaba ucinga ukuba usetafileni yokuvala kwinyanga ezayo? Unyaka? Iminyaka emihlanu? I-TBD kuxhomekeke ekubeni uphumelele iLotto?

Ngaphantsi kwesine kwishumi leminyaka lamawaka emizi yabo, ngokophando oluvela IZiko leDolophu , Iqela lomgaqo-nkqubo wezentlalo nezoqoqosho elisekwe eWashington, DC. Ubunini bemizi buyasinda kwiminyaka eliwaka ngenxa yezizathu ezininzi (ityala lemali mboleko yomfundi, irente ephezulu isenza ukuba kube nzima ukusindisa, kunye nokulibazisa umtshato, kuba ezinye zazo).

kutheni ndihlala ndijonga ixesha ngo 9:11

Ke, unokuzibuza: Ngaba ndinemali eyoneleyo yokuthenga ngoku? Okanye ngaba kufuneka ndiqhubeke ngenkuthalo nditsale imali kude kube ndifumene intlawulo enkulu?

Ngelixa imeko yomntu wonke yahlukile, kukho imibuzo yendalo iphela ethi ivele ngexesha lamava okuthenga ekhaya. Apha ngezantsi, sijonga iithayimthebhile ezintathu ezahlukeneyo zokuthenga kunye nobunzima bezinto ezilungileyo nezingalunganga nganye:

Imeko yoku-1: Thenga ngoku

Mhlawumbi ikhaya lakho lamaphupha lize nje kwintengiso, nto leyo ebangela ukuba wenze isenzo. Okanye, isivumelwano sakho sengqeshiso siza kuphelelwa. Okanye, umntu ohlala naye uye waboleka iPot yakho yangoku kwaye akayicocanga kwaye kukho into ejiyileyo emazantsi kwaye ngumququ wokugqibela lowo, dammit . Nokuba uzimisele na, ukushukuma.

Yintoni omele uyiqwalasele

• Izinketho zakho zokuhlawula ezantsi: Nangona imali oyifunayo yentlawulo esezantsi ixhomekeke kwimali mboleko yakho kwaye uluhlobo luni lwepropathi oyithengayo, ukhetho luqala kwiipesenti ezi-3 ezantsi. Ngemali mboleko exhaswa yi-FHA, umzekelo, abathengi bokuqala bekhaya banokubeka nje iipesenti ezi-3.5. Kodwa kwii-co-ops zaseNew York, nangona kunjalo, ufuna ubuncinci iipesenti ezingama-20 ezantsi. UJennifer Okhovat , Ummeli wearhente yokuthengiswa kwezindlu kunye neCompass eLos Angeles, ebesebenza nabathengi bexesha lokuqala bebeke nje iipesenti ezi-3, kwaye uyabanceda ukuba banxibelelane neenkqubo ezinokuthi zincede ngeentlawulo ezisezantsi kunye neendleko zokuvala.
• Imakethi yakho yendawo yokuhlala: Ngaba amaxabiso ezindlu ayaqhubeka ukunyuka? Izixeko ezikuNxweme oluseNtshona zikwizindlu ezingapheliyo, kwaye amaxabiso aya kuqhubeka nokukhula, utsho IVivek Sah , Umlawuli we IZiko eliXokileyo leziFundo zoThengiso lweZakhiwo kwiYunivesithi yaseNevada, eLas Vegas. Kuyacetyiswa ukuba uthenge kwakamsinya nje ukuba unezixhobo zokwenza njalo, utsho.
  
  Kodwa sukucwangcisela intlawulo ephantsi kunye nengeniso yenyanga yokuhlawula ityala lakho. Cinga ngerhafu yepropathi, i-inshurensi, iindleko zolondolozo, kunye nayo nayiphi na intlawulo ye-HOA.
  
  Kwezinye iidolophu, uSah ucebisa ngokulandela iingxelo zentengiso yezindlu ekhutshwe yunivesithi ukumisela amandla wentengiso. Funda phakathi kwemigca kwinto eqhuba ukukhula koqoqosho, nto leyo eyalelayo kwiimarike zezindlu: Ngaba iqhutywa yimisebenzi emininzi? Umvuzo ophezulu? Ngaba baninzi nje abantu abafudukela kule ndawo? Ngaba ukubonelelwa ngezindlu kunokuqhubeka?
• I-inshurensi yabucala yobambiso: Ukuba awunayo iipesenti ezingama-20 ezigcinelwe ukuhlawula, ngaba ukulungele ukuhlawula i-PMI?
  
  Owona mvuzo uphantsi uqhelekileyo uhlawulelwa ngama-20 eepesenti, kuba lo ngumqobo apho kungasafuneki ukuba uhlawule i-Inshurensi yabucala yokuBambisa ngempahla, okona kunciphisa iintlawulo zakho, utsho UAlex Lavrenov, Ummeli kunye neWarburg Realty kwisiXeko saseNew York.
  
  Okwangoku, ngoku lingalixesha elifanelekileyo lokuthenga kuba uluhlu lwezindlu luya lusiba luninzi kwilizwe liphela kwaye amaxabiso enzala aqikelelwa ukuba ande, utshilo uRalph DiBugnara, umongameli Ekhaya lifanelekileyo , indawo yokuthengisa izindlu nomhlaba.

Thatha eli nyathelo

Ukufumana ezilungiselelwe kwangaphambili linyathelo lokuqala. Kodwa, ukuze uthathwe ngokungathí sina njengomthengi, kuyakufuneka ukuba amaxwebhu akho ezemali akulungele ukugqitha kwinkqubo engqongqo yokuvunywa kwangaphambili. Oku kuyakunika umfanekiso ocacileyo wento ekufaneleyo, kwaye, ngokwenza amaxwebhu akho ngokulandelelana, uya kuba nakho ukukhuphisana ngcono kwimarike, utshilo uLavrenov.

Imeko yesi-2: Linda unyaka omnye ukuya kwemithathu

Ubuninimzi busondele. Kodwa, mhlawumbi awunayo imali eyaneleyo yokubhatala egcinwe ukuze usondele kwitafile yokuvala okanye awuqinisekanga ngokupheleleyo ukuba uya kufuna ukuhlala phi kunyaka olandelayo. Mhlawumbi usandula ukuvuselela ingqeshiso yakho.

Yintoni omele uyiqwalasele

• Amaxabiso wenzala aqikelelwa ukuba anyuke: Inzala kulindeleke ukuba inyuke kwaye ukonyuka kwepesenti eyi-0.5 kunokukuhlawula amashumi amawaka eedola ngaphezulu kobomi bemali mboleko-ukuba akukho ngaphezulu-kuxhomekeke kwisixa semali esixhaswayo, utsho UChristopher Totaro yeWarburg Realty.
  
  Nokuba kwintengiso yomthengi, inzala ephezulu inokuguqula ukuhlawulwa kwemali mboleko yakho yenyanga iphezulu, utsho UMichelle Mumoli , CEO kunye Realtor kwiQela laseMumoli eKeller Williams City Life Jersey City eNew Jersey.
• Ukuphula isivumelwano soqeshiso kunokuba kufanelekile: Abathengi bokuqala bekhaya bazama ukulinda de ukuqeshisa kwindawo yabo yangoku kusondela esiphelweni sexesha labo lokuthenga ikhaya labo lokuqala, utsho Indawo yeShelly Iarhente eneTriplemint kwisiXeko saseNew York.
  Kwinyani, kunokuba nzima kakhulu ukwenza umgca wokuvala ngokugqibeleleyo kunye nokuphela kokuqeshisa, ke kwiimeko ezininzi ayikufanelanga ukuvumela ukuqeshisa kukubambe ekubekeni isithembiso kwikhaya olithandayo, utsho .
  
  Uninzi lwengqeshiso lunokwaphulwa ngesaziso seentsuku ezingama-30 ukuya kuma-60 kumnini-mhlaba kunye nentlawulo. Izinga liya kwahluka kumnini-mhlaba, utshilo, ke qiniseka ukuba uyayifunda ingqeshiso yakho okanye uthethe nenkampani yakho yolawulo ukuze ufumanise ukuba uza kuhlawuliswa nini kwaye njani xa ushiya ingqesho yakho kwangethuba.
  
  Uninzi lwabanini mhlaba endikhe ndadibana nalo lihlawulisa imali elingana neyenye kwinyanga ezimbini zokuqeshisa ngokuqeshisa, utshilo.
• Ukukhula kweemarike kungadlula amandla akho okonga imali: Yithi ufuna ukuya kwindlela yemveli kwaye ugcine iipesenti ezingama-20 ngentlawulo yakho esezantsi. Iyancomeka loo nto! Kodwa, ingxaki? Masithi ujonge amakhaya okuqala angama- $ 300,000. Ucinga ukuba kungakuthatha iminyaka embalwa ukuya kumanqaku okonga angama-60,000. Kodwa kwenzeka ntoni ukuba loo makhaya anyuke aya kwi-400,000 yeedola? Intengiso inokugqitha kumandla akho okonga, isenza ukuba iipesenti ezingama-20 zihlawule intlawulo kude kufikeleleke. Ngalo lonke elixesha, uphoswa lithuba lokwakha ubulungisa, elinokuthi lenze i-PMI obuyibhatala ukuba ubukhe wathenga kwangoko.

Thatha eli nyathelo

Thetha nengcali yezemali, onokukunceda usebenze amanani kwaye uthathe isigqibo sokuba kufanelekile ukulinda de ube unentlawulo enkulu.

Imeko 3: Linda iminyaka emihlanu

Iinjongo zakho zilungile xa kuziwa ekongeni. Kodwa ngalo lonke ixesha uqala ukwakha amakhulu amawaka eerandi, iindleko ezinobunzima ziyavela. Iipremiyamu zakho zeinshurensi yezempilo ziye zenyuka. Irhafu yakho inyukile. Ukuhambisa kwakho kuphume. Nokuba imeko iyintoni na, unendlela ende omele uyilondoloze.

Yintoni omele uyiqwalasele

• Uhlawula intlawulo enkulu ezantsi: Okukhona intlawulo enkulu iphantsi, umngcipheko uphantsi kunye nentlawulo ephantsi, utshilo uSah. Kwakhona, intlawulo enkulu ezantsi inokukuvumela ukuba uye kwimali mboleko yexesha elifutshane (iminyaka eli-15 vs. 30). Oku kunokukunceda uhlawule imali mboleko kwangoko kwaye ube nokulingana ngakumbi ekhayeni ngokukhawuleza. Kodwa, yazi oku: Kunzima ukuqikelela apho intengiso yezindlu izakuba khona kwiminyaka emihlanu.
• Ngaba ungasifumana isipho sokukhawulezisa inkqubo? Siyazi. Sele unikezele nge-toast ye-avocado kwaye usike intambo. Ngelixa ziluncedo, olo tshintsho lwendlela yokuphila encinci alwenzi itoni ukukusa kwinjongo yakho yokonga. Mhlawumbi lixesha lokucela uncedo oluncinci ngengxowa-mali yesipho?
  
  Izipho zemali ezivela kumalungu osapho zinokusetyenziselwa ukuhlawula okanye ukuvala iindleko ngamaxwebhu afanelekileyo, utshilo uGlenn Brunker, olawula imali mboleko kunye Ally Ekhaya , ingalo mboleko yenkampani yezezimali ekwi-Intanethi iAlly Bank. (Ngaba uyazi ukuba iipesenti ezingama-54 zabathengi basezidolophini basebenzisa izipho zemali ezivela kumalungu osapho okanye kubahlobo ukukunceda ukuhlawula intlawulo?)
• Awubakhi ubutyebi: Asizelanga kubash ukuqasha (si Indlu Unyango, emva kwayo yonke loo nto. Zininzi izizathu zokuba ungathengi indlu ngalo mzuzu. Kodwa, nantsi inkuthazo yokufikelela kwinjongo yakho yokonga (okanye ufumane indlela yokuthenga) ngokukhawuleza: Gcina ukhumbula ukuba ukuba uhlawula irente, uhlawula imali yomnye umntu. Kutheni ungahlawuli eyakho? Kubuza uMamoli.

Thatha eli nyathelo

Kuzo zonke iimeko, kuya kufuneka ugcine iithebhu kumanqaku akho etyala. Kodwa ukuba ulinde amanqaku akho ukuba unyuke ngaphambi kokuba uthenge, yazi ukuba akukho mfuneko yokuba ulinde de ufike kwiklabhu engama-800. A amanqaku angama-760 unokufumana elona zinga liphezulu.

Ekugqibeleni, kukuhamba kwakho. Ngokwenene. Phila ubomi ngokwamaxesha akho, kwaye ubize ingcali yezemali ukukunceda uthathe imeko yakho eyahlukileyo yemali.

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