Ixesha lokuvuma: Xa ndathenga indlu yam eLos Angeles ehlotyeni elidlulileyo, khange ndiqonde ngokupheleleyo ukuba ngubani oza kuhlawulela eyam umthengisi zindlu . Ndacinga ukuba iya kuba ndim (okoko ndabaqesha), kodwa akukho lula kangako.
Ngelixa abathengi bengahlawuli ngokuthe ngqo kwiarhente yabo (umthengi kunye nomthengisi wearhente bohlula intlawulo yekhomishini ka-5-6, ehlawulwa ngumthengisi), loo ntlawulo idityaniswa ngokubanzi kwixabiso lokuthengisa lendlu.
U-Beatrice De Jong, uNgcali weeNkcubeko zaBathengi e Ucango oluvulekileyo , uxelela iTherapy Therapy, Ezi mali zivela kwicala lomthengisi ekubhaleni okudala inkohliso yokuba bahlawula, kodwa umthengi nguye kuphela ozisa imali ekuvaleni.
Andindedwa kudideko lwam malunga iiarhente zomthengi kwaye ngubani ozihlawulayo , nangona. Iqonga lezindlu UClever Real Estate Kutshanje kwenziwe uphando kubuza abaninimzi abali-1 000 abathengise indlu yabo ngo-2019 bafumanisa ukuba iipesenti ezingama-45.5 zabathengisi bakholelwa ukuba abathengi ngabo babhatala iiarhente zabo.
Inyaniso kukuba aba… kodwa nabo bayayenza. Ngapha koko, kuninzi malunga neearhente zomthengi nkqu nabanini bezindlu abanamava abazi ngazo. Masiyiqhekeze yonke into.
ndabona ingelosi egumbini lam
Okokuqala: Ithini inkcazo yearhente yomthengi?
Iarhente yomthengi intle kakhulu le nto ivakala ngathi: Umenzeli wearhente yokuthengisa izindlu nomhlaba onelayisensi yokunceda umntu afumane ikhaya kwaye abamele kulo lonke Yonke intengiselwano yokuthenga ekhaya .
Gcina Ncamathisela Bona eminye imifanekiso Ityala: Imifanekiso yeShishini leMonkey / iShutterstock.com
Yintoni kanye kanye imisebenzi yearhente yomthengi?
Okokuqala, iarhente yomthengi bayakwazi ngokuchanekileyo into efunwa ngumthengi wabo kwipropathi kwaye uqulunqe ezo khrayitheriya ngaphambi kokuqala ukukhangela. Ukuqonda uhlahlo-lwabiwo mali lomthengi, isitayile, kunye nezinto abazifunayo kwindawo yokuhlala kubalulekile. Iarhente yomthengi iya kunceda abathengi baqonde imakethi yezindlu, kunye nokuba bangalindela ntoni kwipropathi nakummelwane wayo ngemali abasebenza nayo.
Nje ukuba wonke umntu akwiphepha elinye ukuba aqale phi ukukhangela, kuye kwiarhente yomthengi ukufumana uluhlu lwepropathi yomthengi wabo, ukuseta ukhenketho, kunye nokudibanisa ulwazi malunga nezo zakhiwo (iinkcukacha malunga nezindlu, izikolo zommandla, ulwaphulo-mthetho amazinga-eneneni, zonke izinto ezibalulekileyo ofuna ukuzazi ngaphambi kokuba utyale ixesha elininzi kunye namandla kwindawo onokuthi uphele uhlala kuyo ixesha elide, elide). Ukuba umthengi unayo nayiphi na imibuzo okanye inkxalabo, bangaya ngqo kwiarhente yabo, abaya kwenza konke okusemandleni abo ukuphendula yonke into kunye nokubonelela ngalo lonke ulwazi oluyimfuneko.
Emva kokuba kwenziwe isithembiso-iarhente yomthengi iya kujongana nayo yonke intengiselwano enye egameni lomthengi-iarhente iya kuba yiyo ehamba umthengi kuyo yonke inkqubo, ebandakanya ukunceda ukufumana igosa lemali mboleko , Ukuqinisekisa ukuba onke amaphepha aguquliwe, ukufumana ukutyhilwa, kunye nokusebenza nalo naluphi na uhlobo lobungcali (njengomhloli okanye umvavanyi) ovavanya imeko okanye ixabiso lekhaya. Iarhente yomthengi ikwaphethe lonke uthethathethwano, isenza inkqubo ukuba icoceke kwaye ingenamthungo kangangoko.
Iarhente yomthengi ikhona ukusuka ekuqaleni ukuya ekugqibeleni-baya kuhlala nawe xa usayina amaxwebhu akho okuvala. Iarhente yomthengi wam ikwasebenza njengesixhobo esiphakathi kwam nomnini khaya wangaphambili emva kokuba singene. Kwakungekho nxibelwano phakathi kwethu, kodwa umzekelo, xa ndifumana iipasile ezibhekiswe kuye, ndaye ndaya kwiarhente yam, kwaye yafikelela ngaphandle kwiarhente yomthengisi, owathi emva koko waxelela umnini wangaphambili ukuba kufuneka athathe iposi endlwini.
Ngamanye amaxesha inkqubo yothungelwano olungaqhelekanga kwaye bendifuna ukuthumela umyalezo kumnini wangaphambili ndimxelele ukuba ufumene ibhokisi eNordstrom! -Kodwa ngokujonga zonke iindawo ezihambayo kunye nemali enkulu ebandakanyekayo, mhlawumbi kungcono ukuba uthumele umntu ophakathi Qinisekisa ukuba incoko yababini ihlala ingabinangxaki kangangoko.
Nangona kunjalo, uxanduva (kunye nokuba nzulu kangakanani iarhente yomthengi ingena kwintengiselwano) iya kuxhomekeka kumthengi. Ummeli uAllison Chiaramonte waseWarburg Ummeli uthi, Inokuba yinxalenye yenkokheli yeqela-ukulungelelanisa amagqwetha, abagcini-bhanki, abatshintshi, abakhi bezakhiwo, njl-njl. Ngamanye amaxesha olona xabiso lukhulu kukuba umrhwebi womthengi unokusebenza njengelizwi elingenakuphikiswa kwesizathu kwintengiselwano eshushu okanye yeemvakalelo.
Ithetha ntoni i-333?
Gcina Ncamathisela Bona eminye imifanekiso Ityala: UJacob Lund / Shutterstock
Kuthiwani malunga nemirhumo yearhente yomthengi kunye neepesenti zekhomishini?
Iiarhente zomthengi zihlawulwa ngekhomishini xa intengiso yendlu idlula. Kwiimeko ezininzi, ikhomishini iyonke yearhente yokuthengisa izindlu nomhlaba yiipesenti ezi-5-6 zexabiso lokuthengisa ekhaya. Yindlela ehlawulwa ngayo iarhente yomthengi kunye nomthengisi, kwaye isixa esi sihlala sihlukaniswa kanye embindini. Phantse kuzo zonke iindawo zentengiso, iarhente yomthengi iya kufumana phakathi kwe-2.5 kunye neepesenti ezintathu kwikhomishini, njengoko kuya kuba njalo kummeli womthengisi.
Nangona kunjalo, ngamanye amaxesha ikhomishini iyathethathethana, ngakumbi ukuba iarhente imele umthengi kunye nomthengisi, eyaziwa njengearhente ezimbini.
Nguwuphi umahluko phakathi kwearhente yomthengi xa kuthelekiswa nearhente yomthengisi?
Isigama sokuthengisa izindlu nomhlaba sinokudideka. Iarhente yomthengi yiarhente emele umthengi, kodwa oku kunokubizwa ngokuba yiarhente ethengisa. Iarhente yomthengi = iarhente yokuthengisa. Uluhlu lwearhente yiarhente emele umthengisi, kwaye oku kunokubizwa ngokuba yiarhente yomthengisi. Uluhlu lwearhente = iarhente yomthengisi.
Ngaba * uyayifuna * iarhente yomthengi xa ujonge indlu oza kuyithenga?
Ke, hayi. Awunayo ubuchwepheshe imfuno iarhente yomthengi xa uthenga ikhaya. Kodwa ngakumbi ukuba ungumthengi wexesha lokuqala, kuyacetyiswa ngokuqinisekileyo. Kodwa nokuba yindlu yakho yokuqala okanye indlu yama-20, ukuqesha iarhente yomthengi kwenza ukuba inkqubo ingabi nantloko. Xa kuthengwa indlu, abathengi abaninzi baya kuqesha iarhente yomthengi-enyanisweni ngokwe Balance, phakathi kweepesenti ezingama-80 ukuya kwezingama-90 zabathengi baphela benearhente yomthengi .
U-Chiaramonte uxelela i-Apartment Therapy, Abantu bayathanda ukucinga ukuba banokuthetha-thethana ngeyona nto ibalulekileyo kwaye bagcine umrhumo womrhwebi, kodwa umntu wesithathu owazisiweyo malunga nento ayifunayo kunye neengozi ezinokubakho ngaphambili anokukugcinela imali kunye nexesha ngaphezulu kwayo kunokonga okuvela kuwe.
Andiqondi ukuba bendizokwazi ukusinda ngaphandle kwearhente yomthengi ecaleni kwam. Isixa somsebenzi nkqu nge iarhente iyadinisa, kwaye andinakucinga ukuba zingaphi iimpazamo endinokuzenza ngaphandle kwengcali ebambe isandla sam kwaye andikhokele kwinkqubo.
Eyona nto ibalulekileyo? Iarhente yomthengi yi-BFF yomthengi. Kwaye nangona umthengi yenza bahlawule iinkonzo zabo ekupheleni kosuku, kufanelekile.
Intsingiselo yenombolo 444
