Siyiqhekeza: Xa ulinde i-20% ezantsi kukukhetha okungalunganga

Fumana Inombolo Yakho Yengelosi

Iipesenti ezingama-20 zokuhlawula ezantsi ngumgangatho wegolide ogcinwe lulo lonke ubutyebi bezindlu nomhlaba. Ngaphantsi kweepesenti ezingama-20 ezantsi, usemgceni wokuhlawula i-PMI - i-inshurensi yabucala yemali-mboleko- umrhumo ohlawulwa kwimali mboleko yakho rhoqo ngenyanga ngaphandle kwaso nasiphi na isizathu ngaphandle kokukhusela ibhanki (hayi wena) ukuba uhlala ungagqibekanga mboleko.



I-PMI iyahamba ekugqibeleni (xa sele unemali eyaneleyo ekhayeni lakho onepesenti ezingama-20 kuyo- mhlawumbi kungenxa yokuba ikhaya lakho lenyukile ngexabiso, okanye uhlawule imali-mboleko yakho yoqobo phantsi kweminyaka), kodwa uninzi lwabantu lukuxelela ukuzama nje nokukuphepha.



Lindela ude ube neepesenti ezingama-20 ukubeka phantsi, bathi.



Kodwa ukulinda akusoloko kuyindlela efanelekileyo yokubheja. Eyona ndlela ithe ngqo yokuchaza oku kukuba isibini esicinga kunye namanye amanani afikelelweyo:

Kutheni ndiqhubeka ndibona u-11
Thumela umfanekiso Gcina Ncamathisela Bona eminye imifanekiso

(Ityala lemifanekiso: amachaphaza )



Masibe nombono kaNicole noJane, isibini esihlala eAtlanta. Abarenti, kodwa bebesoloko becinga malunga nokugcina kancinane indlu okwethutyana ngoku. Abakaqalanga naluphi na uhlobo lokukhangela ngokunyanisekileyo - ubusuku nje obambalwa ngewayini kunye neZillow - kodwa bakwazile ukususa i-18,000 yeedola ngentlawulo yabo ephantsi. Akuninzi kwiidola zezindlu, kodwa basebenze kanzima ukuyigcina. Amakhaya akule ndawo angathanda ukuyithenga ajikeleze i-300,000 yeedola- ke iipesenti ezingama-20 ezantsi zokuhlawula zixabisa i-60,000 yeedola. Bayakufuna i $ 42,000 ngaphezulu.

Bacinga ngokufudukela kwigumbi elingabizi kakhulu kwindawo enganqweneleki kangako kunokuba behlala ngoku. Banokuyinqumla ngokulula i-2,000 yeedola zabo kwisiqingatha kwaye bangabinazintlungu sock $ 1,000 ngenyanga-oko kuya kuthetha ukuba banokubhatala i-60,000 yeedola zabo kwiminyaka eyi-3.5 (sikhetha ukungahoyi iindleko zokuvala ukwenza inqaku apha, kodwanantsi into ekufuneka uyazi malunga naloo nto).

Iminyaka emithathu enesiqingatha. Ayikhombi kakhulu. Kodwa into uNicole noJane ababengayilindelanga xa besenza loo nto ukuya kwindlu enexabiso eliphantsi ukugcina imali yayikukuba intengiso yezindlu yaseAtlanta yayingazukubalinda. Ukuba sikhawuleza ukuya kwiminyaka emithathu okanye emine ukusukela ngoku, kukho umngcipheko wokwenyani wokuba amakhaya angama-300k ebumelwaneni uNicole noJane babebukele banee-tag zamaxabiso ezingama- $ 400k ngoku. Iinjongo zabo zokuhlawula ezantsi - eziphakamileyo njengoko zazinjalo kubo - azonelanga ukuthintela i-PMI kwakhona, kwaye nangona bethenga ngemali eninzi ezantsi, imali mboleko yabo yenyanga iphezulu kunokuba bathenga ikhaya elifanayo iminyaka emithathu ngaphambili.



Ukuthenga ngoku

Iindleko zekhaya: $ 300,000
Ubeka imali phantsi: $ 18,000
Imali mboleko Iyonke: $ 282,000

Ukubhatala ityala lendlu: $ 1,686

$ 1,306 inqununu kunye nomdla
$ 179 PMI
Iirhafu ezingama-202 kunye ne-inshurensi


Ukuthenga iminyaka engama-3.5 kamva

Iindleko zekhaya: $ 400,000
Ubeka imali phantsi: $ 60,000
Imali mboleko Iyonke: $ 340,000

Ukubhatala ityala lendlu: $ 1,944

$ 1,572 inqununu kunye nomdla
$ 125 PMI
Iirhafu ezingama-247 kunye ne-inshurensi


* Kubalwa kusetyenziswa inzala ye-3.75% kwi-30 yeminyaka yobungakanani bemali mboleko.

Okwangoku, banike i-42,000 yeedola kumnini-ndlu (becinga ukuba i-1 000 yeedola yabo ayikanyuki kwiminyaka eyi-3 +) abanokuthi bayisebenzise ukuhlawula ityala lokuthenga ngempahla.

Makhe ndithethe ngokuqinileyo: anditsho ukuba ukuthenga ngaphantsi kweepesenti ezingama-20 ezantsi kuhlala kuyinto elungileyo ukuyenza. Kuyingozi enkulu. Ukubheja kumaxabiso asekhaya anyukayo yile nto-a gembula (buza nje nabani na onekhaya ngo-2008). Ngokuqinisekileyo kufuneka uxoxe ngale nto kunye nengcali yezemali ethembekileyo.

Kodwa kukho inyani encinci efihliweyo apha kwabo banqwenela ukuthenga abathengi: Ukuba imakethi iyakudlula amandla akho okonga imali, awusoze ube namandla okuthenga angaphezulu kwaleyo uyenzayo ngoku, nokuba ungatya kangakanani.

UTaryn Williford

Inombolo yeengelosi ezili-1212 ezinentsingiselo

Indlela yokuphila UMlawuli

UTaryn ngumntu wasekhaya waseAtlanta. Ubhala malunga nokucoca kunye nokuphila kakuhle njengoMlawuli weNdlela yokuPhila kwiTherapy Therapy. Usenokukunceda ukuba uchithe indlu yakho ngomlingo wencwadana yeendaba ye-imeyile. Okanye mhlawumbi uyamazi kwi-Pickle Factory Loft kwi-Instagram.

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