Ukuba unethemba lokuthenga ipropathi kwintengiso yokhuphiswano, ke uyazi ukuba imfazwe yokubhida nomnye umthengi onethemba unokuba semakhadini. Kodwa awunyanzelekanga ukuba ubengumntu othengisa izindlu nomhlaba ukuze wazi indlela yokuxoxa; Isitshixo sokusinda kwimfazwe yokubhida kukuzilungiselela. Nantsi into ekufuneka uyazi ngaphambi kokuba uye edabini:
Imali nguKumkani
Ikheshi lulwimi oluqondwa ngumntu wonke. Kusenokwenzeka ukuba awuwafundi amanqaku afana neli ukuba uyakwazi ukuthenga umzi ngokungqalileyo, kodwa kuyatsho ukuba: Ukuba kunokwenzeka ukuba ungathenga ikhaya lakho ngemali-okanye Kaninzi imali-ngazo zonke iindlela, yenze. Ayisiyi kuphelisa nje kuphela ityala lobomi obuvela kwi-mortgage, kodwa umthengisi uya kuva i-cha-ching esazi ukuba umthengi onokubakho akazukuvunyelwa ukuba abonelele.
Gcina iimvakalelo zakho
Ukuvumela iimvakalelo zakho zikufumane ngexesha lokuxinezeleka kakhulu akuphelelanga. Inokukhathaza kakhulu into yokuqhotyoshelwa kwithemba lokuba ngumnini wepropathi ethile, kodwa uphulukane nemfazwe yokubhida, utsho UAndrew Sobel , Usekela Mongameli weSobel Real Estate. Kodwa oko akuthethi ukuba awunakuba nawo onke amadada akho ngolungelelwano njengoko usiya kwiingxoxo. Qonda ukuba le nkqubo ingathatha ixesha kwaye kuyakufuneka uzingise kwaye ube nomonde, utshilo uSobel. Qiniseka ukuba uziphandile zonke iinketho zakho zenkxaso mali kwangaphambili, kwaye uyazi ukuba iimeko zakho ziguquguquka njani.
Unokuphelisa ukuchitha i- $ 5K ukuya kwi- $ 10K ngaphezulu
Kuxhomekeka ekubeni ufuna ipropathi ethile kangakanani, kuya kufuneka ulungele ukunyusa imeko. Ngaba yindlu oyifunayo? Ngaba ngummelwane okanye yesithili oyifunayo? Amahlanu ukuya kwishumi lamawaka eedola avakala ngathi yimali eninzi, kwaye kwabanye abathengi kunjalo, kodwa kufuneka uyibeke kwimeko yemali mboleko yeminyaka engama-30. Uya kufumana kwiimeko ezininzi, ziidola ezimbalwa ezongezelelweyo ngenyanga, utsho U-Ed Deveau kwenkulungwane 21 Mario Real Estate. Khumbula nje: ukuba likhaya lakho lamaphupha, ngekhe wazi ukuba liza kuphinda lithengiswe kwakhona.
Ukwazi umbolekisi wakho kubalulekile
Cinga ngemfazwe yokubhida efana novavanyo olukhulu lwekholeji. Awungekhe ufune ukuhamba ungafundanga, akunjalo? Kungenxa yoko le nto kufuneka wenze umsebenzi wesikolo kumbolekisi wakho, ngokukhangela uphononongo lwe-Intanethi okanye ubuze abantu abakushishino. Abantu abanengxaki abayi kuba nexhala lokuchaza amava abo, utshilo uTom Rhodes, uCEO I-Sente yoBambiso . Icebo elaziwa kancinci ekukhetheni umbolekisi owaziwayo kukujonga iinkampani zetayitile yendawo kwaye ufumanise ukuba bathembela kubani. Oku kwenza isindululo esithembekileyo, njengoko betyisiwe kolu shishino kwaye bakhetha amaqabane abasebenza nabo iminyaka emininzi.
Ukuchukumisa ubuqu buhamba indlela ende
Ngelixa abathengisi ngokuqinisekileyo befuna eyona mali banokuthi bayifumane, ukuba nonxibelelwano lomntu kuwe njengomthengi onokubakho unokufaka isikali endaweni yakho. USarah Maguire I-Broadway Village Real Estate abathengi bayo babhalela umthengisi ileta yobuqu eyabelana ngeenkcukacha ezithile malunga nabo. Ndiphumelele umthengi kwimfazwe yokubhida kutshanje kuba kuyacaca ukuba bobabini babeye kwikholeji enye kwaye besazi abantu abafanayo, utshilo.
→ Xa abaThengi baseKhaya banxibelelana nabathengisi ngokuthe ngqo: Ngaba oku kuyakusebenzela? Okanye KUWE?
Cwangcisa imida yakho
Ngaphambi kokuba ungene kukhuphiswano lwesithembiso, misela ukuba leliphi elona xabiso liphezulu unokuthi ulichithe ekhayeni lakho. Ukubuyela umva nangaphambi kokuba umnikelo wamkelwe kungadlala ngeemvakalelo zakho kwaye wolule ngaphaya kwendawo yakho yokuthuthuzela, utsho UThais Collins , Umthengisi wearhente yomthengi kunye noSuzanne kunye neNkampani uKeller Williams Realty. Ukuba nelo nani engqondweni kwangaphambili kuya kukukhumbuza ngeenjongo zakho, kwaye kukunike uxolo lwengqondo ukuba uthatha isigqibo sokuhamba.
Ukuyila kubalulekile
Ukuba ufuna ukuthenga ipropathi ngokwaneleyo, umzamo ongezelelweyo unokuhamba indlela ende. Oku kuthetha ukuba ukwenza umnikelo wakho ube nomtsalane kangangoko kumthengisi. Cinga ukunciphisa inani lezinto ezingalindelekanga kwisibonelelo sakho, utshilo uMaguire. Bayakuxabisa oku kakhulu. Oku kubandakanya izinto ezinje: imeko yokuhlola, iimeko zokubolekwa kwemali mboleko, ukuthengiswa kwekhaya (okuthetha ukuba umthengi kufuneka athengise indawo yokuhlala ngoku ngaphambi kokuba akwazi ukuthenga le bayinikelayo), kunye novavanyo lokuhlola inkathazo. (Unokude uyeke ukuvavanywa kwekhaya lakho-nangona ngokuqinisekileyo ayisiyiyo rookie intshukumo.) Izinto ezimbalwa umthengisi anokuzikhathaza ngazo, ngcono.
