Oko Wonke umntu afumana okungalunganga ngokumalunga neeNdawo zokuNgahlawulisi Fizi

Kukho iindidi ezintathu zearhente ezithi zidwelise kwaye zibonise iiflethi: abathengisi abo babhatala kubo umrhumo, abarhwebi abangahlawulisiyo, kunye nabanini bezindlu abazijongayo ngokwabo umsebenzi. Mhlawumbi uyazi ukuba ezona zivumelwano zibalaseleyo zihlala zifumaneka kwiimeko ezidweliswe ngabanini. Kuba akukho broker phakathi kwenkqubo kunye nokufuna irhafu, bobabini umnini kunye nomqeshi banokugcina imali. Ewe, ukuba uyarenta kuso nasiphi na isixeko esikhulu esinentengiso yokhuphiswano, amathuba okuba uya kuthi ungabinakho ukukhetha ngaphandle kokusebenza nomrhwebi. Kwimeko apho, umrhwebi ongahlawulisi mali uvakala njengesivumelwano esingcono, akunjalo? Kubi apho ayikho into enjalo .

ENew York naseBoston (nakwezinye iindawo, nawe) ungalindela ukuhlawula naphi na phakathi kwe-8 ne-15 yepesenti yerenti yakho yonyaka kumthengisi oye wakunceda wakhusela indlu. Ukubeka loo nto, iipesenti ezisi-8 zilingana nerente yenyanga enye. Ke, iyunithi eyi-2,500 yeedola, enokuxabisa kangange- $ 4,500. Yhu.



Kwaye ngubani ofuna ukuhlawula ngaphezulu kwe- $ 4,500? Uninzi akukho mntu-ke uya kuzama ukufumana iyunithi efanayo kunye nomrhwebi ongahlawulisi mali. Kodwa nantsi into: Nokuba ungafumana iyunithi enye kunye nomrhwebi ongahlawulisi mali, irenti yakho iya kuba ubuncinci i-2,750 yeedola ngenyanga.



kuthetha ukuthini ukubona i-555

Ndiyayazi le nto kuba bendihlala ndisebenza njengearhente kwindawo ekurhwaphilizwa kuyo. Ngokucacileyo, andizange ndisebenze simahla. Ukuhlawulwa kwam kwavela kubanini bezindlu abaza kusinika emva kokuba abasayini betyikityile, ngesiqhelo irente yenyanga enye.

ukuthini u-555

Kodwa abanini mhlaba abayinikeli nje le mali. Ukuhlawula iindleko, bamane basihlawulisa umrhumo kwirente ephezulu. Ke, ukuba urenta indawo yokungahlawulisi mali eyi- $ 2,500 ngenyanga, kufanelekile ukuba ufumane iyunithi eyi- $ 2,300 ngentlawulo eyongezelelweyo yenyanga engama- $ 200. Le ntlawulo yongezelelweyo inokuba nkulu ngakumbi xa usebenza nabarhwebi abangahlawulisi ababiza abanini-mhlaba iipesenti ezili-10 ukuya kwezili-15.



Ngaphezulu kwekhosi yokuqeshisa unyaka wonke, umrhumo vs. Ewe, akukho mrhumo unelungelo lokwenyani lokunganyanzeli ukuba uvelise nangakumbi imali ngaphambili. KODWA wakuba udlulile kunyaka wokuqala, iindleko ezongezelelweyo zokungahlawulisi ziyazityhila. Xa uhlaziya ukuqeshisa kwakho kuloo dola ingayi-$ 2,750, uza kuqhubeka nokuhlawula irente ephezulu, ehlawula umrhumo (ngaphezulu kwayo nayiphi na inyuka irente), ngelixa umqeshi ohlawule umrhumo ngoku uza kuxhamla irhafu esezantsi. Kungenxa yesi sizathu le nto abanini-mhlaba abaninzi bethanda amalungiselelo okungahlawulisi-benza imali ngakumbi emva konyaka omnye kwaye iirhafu eziphezulu eziphepheni zibanika amandla okufumana inkxaso-mali yeeprojekthi ezizayo. Xa urenta kungekho mrhumo, uzibekela indawo ukuze ufumane ixesha elide.

Ke, masithi ufumana loo ndlu ifanelekileyo yazi uza kuhlala phantsi kwaye wenze eyakho ubomi (okanye ubuncinci iminyaka), kodwa kudweliswa kuphela ngabarhwebi abangahlawulisiyo. Musa ukuphelelwa lithemba! Buza umrhwebi ukuba umnini-mhlaba uya kukulungela na ukunciphisa irente ukuze uhlawule umrhumo. Usenokukwazi ukuthetha-thethana ngexabiso ukuya kuthi ga kwirenti yokwenyani, kwaye nokuba kufuneka udibane kwenye indawo embindini, usazinika ithuba lokugcina imali enkulu rhoqo ngonyaka uvuselela isivumelwano sengqeshiso.

UBilly Domineau



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