Nawuphi na umqeshi ononxibelelwano lwe-intanethi kunye nomnqweno wokupeyinta iindonga eziluhlaza okomnyama (okanye ezimnyama okanye mhlawumbi ukupeyinta nje udonga kancinci) unokungqina kwisiphithiphithi osiva xa uqala ukudibana nekhaltyhuleyitha yemali-mboleko okanye intelekelelo yentlawulo kwi-intanethi.
Usondela kuloo nto ngoqikelelo olubi kakhulu oluphandwe ngokungxama malunga nokuba igumbi lokulala elincinci elithobekileyo elingu-2 kwindawo ezayo kunye nezayo inokubiza malini. Unika inani elingachanekanga ngokupheleleyo ukuba loluphi uhlobo lwentlawulo osenokuba nayo, kodwa, ewe, inyuselwe nje kancinci. (Mhlawumbi ungangcono ekulondolozeni kwakamsinya.) Awunalo noluvo lokuba ungangenisa malini — unetyala elihle kodwa awukafumani ukuza kuthi ga kolu phando lwasekhaya ngokungekho sesikweni njenge google kancinci malunga neereyithi-ngoko ke usebenzisa engagqibekanga kwityityhuleyitha. Ucofa iqhosha uze ufumanise ukuba inani elitshica intlawulo yakho yobambiso kwikamva lakho elincinci elithandekayo elinamagumbi ama-2 kwicala laseMpuma lesixeko… kulungile, kuyenzeka. Kuyenzeka kakhulu, uyaqonda. Kutheni wonke umntu engathengi ikhaya?
Idibeneyo: Iidolophu ezi-5 ezibiza kakhulu zase-US kubanini bamakhaya
Elo nani lokubala kwi-intanethi lokubolekwa kwempahla kwi-intanethi liza kukunika isiqwenga esinye somfanekiso opheleleyo wento ekubiza ngayo, ngenyanga, ukuthenga ikhaya. (Oku akuthethi nto ngezinye iindleko ezichaphazelekayo, njengokuhlawula ezantsi kunye neendleko zokuvala, kunye nolondolozo oluqhubekayo lokuba ngukumkani wedomeyini yakho. izinto ozibethileyo — yiyo loo nto nje into ekufuneka uyihlawule ebhankini ukuze uboleke imali engaphezulu kunangaphambili. Ngaphezulu kokunokwenzeka ukuba i-inshurensi yobambiso (ukuba wenza intlawulo phantsi kweepesenti ezingama-20), kwaye ngokuqinisekileyo i-inshurensi yomninikhaya kunye neerhafu, ezinokuthi ziqokelelwe kule nto ibizwa ngokuba yiakhawunti yescrow apho umbolekisi wakho eqokelela irhafu kunye neeprimiyamu ezivela kuwe kwaye uhlawula loo matyala egameni lakho.
Gcina Ncamathisela Bona eminye imifanekiso Ukhenketho lweNdlu: Indawo entle yoDakumbe-iEra Cottage eAtlanta (Ityala lemifanekiso: Selena Kirchhoff)
Inokubonakala injani intlawulo yokubambisa ngempahla
Ukukubonisa ukuba zingakanani ezinye iindleko ezinokudibanisa ngaphezulu kwento ebonakala ngathi linani elinokuphakanyiswa sisibali-manani, bendicinga ukuba ndiza kwabelana ngobambiso lwam lokwenyani, ngokwamanani okwenyani.
intsingiselo yeengelosi ezingama-222
Mna nomyeni wam sathenga igumbi lokulala elinamagumbi amabini e-Atlanta kulo nyaka uphelileyo, ikhaya lethu lokuqala emva kweminyaka emininzi siqesha ngokwahlukeneyo nangokubambisana. Ukuhlawulwa kwempahla mboleko yanyanga zonke kubandakanya izinto ezincinci ezihamba ngonaphakade kunye namaqhekeza, kodwa nantsi inkcazo yento yethu yeminyaka engama-30, intlawulo yemali ebolekiweyo ebonakala ngathi okwangoku phantse unyaka omnye:
Inqununu kunye nomdla: $ 1,385.87
I-inshurensi yobambiso: $ 147.13 *
Ukunyuka kwenyanga: $ 409, ibandakanya oku kungezantsi:
Inombolo yeengelosi ezili-1222
- I-inshurensi: $ 42.17
- Iirhafu zePropathi: $ 87.02
- Irhafu yepropathi yeSixeko: $ 279.81
Imirhumo yoMbutho wabanini makhaya: $ 250 †
Intlawulo iyonke Nyanga nganye: $ 2192
* Siza kuba ne-20% yokulingana ekhayeni lethu ngo-Novemba ngo-2023, kwaye kulapho i-PMI (i-inshurensi yabucala yemali-mboleko) iyahamba. Kude kube lelo xesha, le yinkcitho eyimfuneko yenyanga kuthi.
† Ngokobuchwephesha oku ayiyonxalenye yentlawulo yethu yokubolekwa kwemali mboleko, njengoko iyibhili eyahlukileyo ehlawulwa kumbutho we-loft yethu hayi kumbolekisi wethu. Kodwa kuhlahlo-lwabiwo mali lwethu lwasekhaya, sigcina le ndleko kwibhakethi elinye nelo sibambisa ngalo. Ukuba ucinga malunga nokufikeleleka kwe-condo, kuya kufuneka ujonge le nto nayo.
Idibeneyo: Eli ngcebiso ngokuQhelekileyo yokuThengiswa kweNdawo ngokuPheleleyo yiBogus
Inqununu kunye nomdla
Kwimali-mboleko ebekiweyo, intlawulo yakho ye-P & I (elona nani likhulu lokubala lokuthenga ngempahla) ayisoze itshintshe, nangona ubukhulu bayo buhamba ngokulandelelana ekuhlawuleni imali mboleko kunye nenzala. Kwiinyanga ezili-9 ezidlulileyo, i-avareji ye- $ 458 ye-P & I yentlawulo yethu iye kwinqununu yethu, kunye ne- $ 928 yenzala. Olo nqanaba luya kuhlala luhamba ngakumbi endaweni yethu ngokuhamba kwexesha — nangona kuthatha u nde ixesha. Siza kuhlawula imali-mboleko yethu eyintloko malunga ne- $ 500 ngenyanga emva kweminyaka emi-3 yokuba ngabanikazi bendawo yethu, kwaye kuyakuthatha iminyaka engama-20 de sibe sihlawula i-1, 000 yeedola ngenyanga kwimali mboleko yoqobo.
Ke, ewe, okwangoku kuphela ziidola ezingama-450-ish zeendleko zethu zezindlu ezingama-2,192 zenyanga yimali esingayilahliyo, ukusebenzisa ibinzana elihlala likhankanywa ngabaqeshi abalumkileyo. Ngama-20 Edlule Ipesenti yenkcitho yethu yanyanga zonke yendlu yokuhlala yindawo ekuphela kwayo ebuyela ezipokothweni zethu ngendlela yokulingana ekhaya. Eminye inzala, kunye nezinye iirhafu, i-inshurensi kunye nemirhumo.
athetha ntoni amanani u-999
Yonke into
Iindleko ezingaphaya kwe-P & I ziyahluka ukusuka kwindawo ngendawo kunye nomthengi ukuya kumthengi. Intlawulo yakho ye-inshurensi yobambiso ixhomekeke kwikhredithi yakho nakwiindleko zekhaya lakho, kodwa unokuqikelela ukuba inani lilonke liphakathi kweepesenti ze-0.3 kunye neepesenti ze-1.5, ngonyaka, yemali mboleko yoqobo. I-inshurensi yomninikhaya ixhomekeke ekubeni une-inshorensi engakanani kwaye ufuna ingxelo engakanani. Kwaye iirhafu zakho zepropathi zixhomekeke nje apho uhlala khona.
Iinxalenye zentlawulo yethu yenyanga engaphaya kwenqununu kunye nenzala (kwaye iya kuthi) inyuke ngokuhamba kwexesha. Mhlawumbi hayi kakhulu njengoko irente isenza, kodwa kunjalo. Iindleko zezindlu zakho njengomninikhaya aziyondleko iqingqiweyo.
Ngaba iiCalifornia zokuBambisa ngempahla zichanekile?
Ndiyathetha, ngokusemthethweni, ewe. Zichanekile. Zizo izixhobo zokubala . Nokuba kwihlabathi elingaqinisekanga, ungahlala uthembele iikhompyuter malunga namanani. Kodwa ndicinga ukuba iikhalityhuleyitha zokubolekwa kwemali kwi-Intanethi zinokulahlekisa kakhulu kumanqanaba okuqala okuthenga indlu.
Njengomqeshi, unento enye yomgca omkhulu kuhlahlo-lwabiwo mali: irente. Iindleko zakho zokuhlala zizonke ziinombolo ezijikelezayo nezingafakwanga lula, ezinokuthi zongezwe ngesixa esincinci seinshurensi yomqeshi kunye nezinto eziluncedo, kuxhomekeke kwindlela ohlahlela ngayo imali. Xa usakuba ngumnini khaya, imali mboleko yakho (kwizicatshulwa) sisambuku sazo zonke iintlobo zeentlawulo ezinxulumene noko ozenzayo kumbolekisi wakho (kwaye mhlawumbi ne-HOA yakho) inyanga nenyanga. Kodwa eyona mali ibambekayo (akukho zicaphulo) bubuchwephesha nje njengenxalenye yenqununu kunye nenxalenye yomdla, kwaye ukuba utshintsha nje irente yakho yenombolo entsha kwisibali-manani semali-mboleko ukuze ubone ukuba ubunini bendlu bunokwenzeka kuwe, uyazenzela Ukungasebenzi ngokungahoyi zonke ezinye iindleko oza kuba kuzo.
Ukuze ufumane umfanekiso ongcono wekamva lakho njengomninikhaya, kuya kufuneka wenze umlenze omncinci. Uphando ngerhafu yepropathi kwindawo ojonge ukuyithenga (iarhente yokuthengisa izindlu nomhlaba inokukunceda koku), fumana ikhowuti kwinkampani yeinshurensi yomninikhaya kwaye, ukuba ubeka ngaphantsi kweepesenti ezingama-20 ezantsi, sebenzisa Ikhompyuter ye-PMI ukuqikelela ukuba yeyiphi na i-inshurensi yobambiso onokuyibiza yona.
10:10 ukubala
Ukuhlelwa kwakhona kwisithuba esapapashwa okokuqala ngo-2.28.2017-LS
