Khawufane ucinge ngokufumana ikhaya olithandayo (okanye ubuncinci ubona ubuninzi obunokubakho). Ngoku: Ungathini ukuba ungahlala apho, kodwa endaweni yokuchitha ulondolozo lwakho ngaphambili, uhlawula isuntswana ngaphezulu kwirente yakho inyanga nenyanga ukuya kwintlawulo ephantsi. Kuvakala ngathi liphupha, akunjalo? Inokwenzeka ukuba ewe-ngakumbi ukuba ungumntu osebenza yedwa, unayo ityala elinjalo , okanye umlinganiso ophakamileyo wemali engenayo kwityala (ezo mboleko-mali zabafundi)!
Ewe, le meko ayisiyonto nje yamaphupha-luhlobo lwesivumelwano esaziwa njengerenti-yeyakho. Kodwa njengezona zinto zininzi-ezilungileyo-ukuba ziyinyani, iza nesabelo esifanelekileyo semingcipheko yokuqwalaselwa. Nantsi into ekufuneka uyazi ngaphambi kokuba usayine:
Yintoni uqeshiso lokurenta ngokwakho?
Olu qeshiso lohlobo lwe-unicorn lubizwa ngokuba zizinto ezininzi, kodwa ukuqeshisa ngabanini, izivumelwano zokuthenga, izivumelwano zokuthenga, okanye iindlela zokuqeshisa ukuthenga zihlala zisetyenziswa. Kwirente yakho, umqeshi uyavuma ukurenta iyunithi okanye indlu kumnini-mhlaba. Ngenyanga nganye, umnini-mhlaba uyakulahla inxalenye yentlawulo yenyanga eya kwingxowa-mali yomqeshi ekhaya. Ixabiso ekuvunyelwene ngalo lihlala lihleli kulo lonke ixesha lokuqeshisa. Ngokwesiqhelo, xa umqeshi ehlawule imali eyaneleyo ekhayeni ukuze afaneleke kubambiso, umqeshi unokukhetha ukuthenga kumnini-mhlaba.
Umzekelo, umqeshi angatyikitya ikhontrakthi yokuthenga indawo yoqeshiso kwindlu eyi- $ 150,000. Umnini-mhlaba uya kufuna ukuba babeke i-500 yeedola kwaye bahlawule i-1,200 yeedola ngenyanga- i-200 yeedola zoku iya kwintlawulo ephantsi. Emva kweminyaka emibini, abaqeshi baya kube behlawule i-4,800 yeedola kwintlawulo ephantsi, okanye iipesenti ezi-3.2 zexabiso lepropathi-ngokwaneleyo ukuhlawula intlawulo phantsi Ubambiso lwe-FHA . Ukuba bakhethe njalo (khumbula, lukhetho lokuthenga), umqeshi unokukhusela imali mboleko kwaye alandele inkqubo esemgangathweni yokuthenga amakhaya.
Nangona oku kuvakala ngathi kuseto olukhulu, ukuqeshisa ngokwabo akusoloko kuyinto yomlingo.
Kwelinye, zinokubiza. Abanini bezindlu banokufuna iimali ezingabuyiswayo ezingaphambili (ezaziwa njengeprimiyamu yokhetho) ukuze bakhusele ukhetho lokuthenga. Banokuphela bexabisa kanye njengentlawulo ebhatalwayo — ukuba akunjalo. Umgangatho uhlala u-5 wepesenti, kodwa oku kungathethathethwana phakathi kwamaqela. Ukongeza, ukuba umqeshi ukhetha ukungathengi ekupheleni kwesivumelwano, ngekhe abuyise nayiphi na imali ebekiweyo.
Kukwabalulekile ukuba uqaphele ukuba ukuqeshisa kwindlu yakho kuyavakala ngokufanayo, kodwa kwahluke kakhulu kwisivumelwano sokuseta iitayitile (ezineseti yazo yomngcipheko). Ikhontrakthi yezenzo ngamakhaya axhaswa ngemali ngumthengi apho umthengi ahlawula umthengisi emva kwexesha elide ngezavenge zenyanga ngenzala ephezulu. Kwezi meko umqeshi unoxanduva lwalo lonke ulungiso, kwaye zihlala irhafu kunye neinshurensi ngokunjalo.
Kwi-rent-to-own, umqeshi uhlala ekhuselwa ngumthetho womqeshi ngexesha lokurenta kwaye akanaxanduva lokugcina okanye ukulungisa. Nangona kunjalo, oku kungohluka ngokwamazwe-nomnini-mhlaba angazama ukuba usayine la malungelo (nangona, kwakhona, ukuba semthethweni koku kuyahluka ngokwamazwe).
Yeyiphi eminye yemingcipheko yokuqeshisa kwindlu yakho?
Ngenxa yokuba ubunini bezindlu buya kufikelela kubantu abaninzi baseMelika, irente zokuziqeshisa ziya zithandwa ngakumbi. Kukho ezinye iinkampani zeWall Street ezifumana inkxaso-mali umnikelo Iinkqubo eziqeshisayo zokurenta kumakhaya ahlaziyiweyo, aphezulu. Ukongeza, zixhaphakile kwintengiso yoontanga, ngokungathi ukuba umhlobo wosapho ufuna ukuthengisa ipropathi yakho kuwe, kodwa awunayo imali epheleleyo okwangoku. Nangona kunjalo, ngokukaNichole Monticelli, iarhente yokuthengisa izindlu nomhlaba e BEX Realty eFlorida, ikhontrakthi esemgangathweni yokuqeshisa ngomnikazi phantse ukuba ibhaliwe inomdla kakhulu kumthengisi-oko kuthetha ukuba xa ungena kubo njengomqeshi, kufuneka wenze inkuthalo yakho efanelekileyo ukunciphisa umngcipheko.
Umzekelo, umnini-mhlaba / abathengisi banokuzama ukuba lonke ulondolozo kunye nolungiso luwele kumqeshi . Oku kuthetha ukuba umqeshi uza kuphulukana nayo nayiphi na imali asele eyihlawule kunye nemali abayifakileyo kulungiso nakwipropathi.
Kwaye ekubeni irente zokuziqeshisa zibhenela kwabo banokuthi batyhalelwe ngaphandle kukhetho lokuthenga amakhaya emveli, intengiso inakho ukubakho ubuqhetseba. Umzekelo, eFlorida kwabakho ubuqhetseba obubandakanya ukuqeshisa ngerhafu yezindlu ngexesha lokuwa kwemarike yezindlu phakathi ku-2000's, utshilo uMonticelli. Kwakukho iimeko ezininzi apho abaqeshi babesenza intlawulo yabo yenyanga, begqibezela ukulungisa, kwaye bade bahlaziya ikhaya ngelixa abanini beepropathi bepakisha iintlawulo zabo. Abanini bayayeka ukwenza ukubhatalwa kwemali mboleko kwaye abaqeshi baya kuzifumanisa bephezulu kwaye bomile xa iibhanki zisiza kubuyisa ipropathi. Ngo-2016 Uphando lweNew York Times ibonakalisile ukuba obu buqhetseba buyenyuka kwakhona.
Ukuba ufumana ithuba lokurenta, jonga ezinye zeeflegi ezibomvu:
- Ukuba ikhaya likwimo embi, oku kungabonisa ukuba belingakhathalelwanga, sele lixelwe kwangaphambili, okanye likwinkqubo yokubuyiswa kwakhona yibhanki.
- Lumkela umninindlu ekuyekisa ukuba wenze uhlolo oluzimeleyo kunye novavanyo olwenziwe.
- Iintlawulo zakho ezongezelelweyo kufuneka zongeze kwimali ekuvunyelwene ngayo: Ngokwesiqhelo sithetha ngeepesenti ezi-3.5 ezantsi zokuhlawulwa kwemali mboleko ye-FHA, uHolden Lewis, ingcali yasekhaya INerdWallet , utsho.
- Jonga ingxelo yengxelo ukuqinisekisa ukuba umnini-mhlaba ungumnini ngokusemthethweni wepropathi leyo, utshilo uShaolaine Loving, igqwetha Uthando LTD . Ingxelo iya kuthi ichaze nangaliphi na ityala elongezelelweyo okanye izigwebo ekuya kufuneka zihlawulwe ngaphambi kokuba uthathe ubunini (kwaye umninindlu angafuna ukuba ubhatalele).
Nangona kunjalo, nokuba zonke ezi zinto ziye zicace gca, kubalulekile ukuba uqaphele ukuba usangena kwimeko engagungqiyo-utyala imali kwinto ongenakulawula.
Umzekelo, nangona kungakhange kubekho amanye ama-liens ngokuchasene nepropathi xa usayina isivumelwano sakho sengqeshiso, umnini usenokuba wongeze ezinye emva kwenyani, utsho uLoving. Ukuchonga ukuba kunjalo, kwaye uzama ukuzikhusela ngokuchasene nayo, konke kuya kuza ngendleko ezongezelelweyo kuwe. Oku kunokwenza iindleko zokwenyani zokuthenga ikhaya ngokuqeshisa ngomnikazi liphezulu kakhulu kunaleyo yokuthenga ngokwesintu.
Ukongeza, nangona unamalungelo asemthethweni kwimali oyityalileyo, kungabiza kakhulu ukufumana oko ukutyalayo kwiimeko ezigwenxa: Umnini usenokungakwazi ukuhlawula amatyala abo obambiso kwaye alahlekelwe likhaya ekuthinjweni, utshilo uLoving. [Oku] kuya kukubeka ekubeni ubambane xa kufuneka umangalele naliphi na iyeza elichasene nomthengisi.
Yintoni omele uyenze ngaphambi kokuba usayine kumgca ochaziweyo
Ukuba uthathe isigqibo sokuba ukurenta ngokwakho yeyakho, okanye ukuba uye wathandana nokurenta okunokhetho lokuthenga, inyathelo lakho elilandelayo ngokulandelayo kukuya kuba kukufowunela igqwetha lakho. Njengoko bekutshiwo ngaphambili, imimandla eyahlukeneyo kunye nemimandla inemithetho ephathelene nerenti-yeyakho, ke qiniseka ukuba igqwetha lakho linolwazi malunga nalapho ujonge ukusayina isivumelwano soqeshiso.
UMonticelli uthambekele ekucebiseni abathengi bakhe ukuba bahlale kude nerenti, kodwa ukuba abathengi bakhe bathatha isigqibo sokuhamba ngale ndlela, uhlala ecebisa ukuba baphinde bayiqwalasele ikhontrakthi yegqwetha kwaye baphinde bayibhale kwakhona ukuze ibe mnandi ngakumbi kumqeshi kunye nokunciphisa umngcipheko. Umzekelo, abaqeshi banokuqinisekisa ukuba abahlawuli kabini ngohlaziyo nolungiso abatyala kulo kwaye nexabiso lokuthenga alinakunyuswa xa kufika ixesha lokuthenga. Ukuba umthengisi akazukuphinda axoxe, thatha oko njengophawu lwesilumkiso, utshilo.
Nje ukuba ufumane konke okucacileyo kwigqwetha lakho, emva koko thetha nombolekisi:
Cela ukuba ulungelwe kwaye ubonise ikhontrakthi kwigosa lemali mboleko, utshilo uLewis. Igosa lemali mboleko liyakuthatha ulwazi lwakho lwezemali kwaye likuxelele ukuba usendleleni yokufumana ubambiso kwiminyaka embalwa. Baza kuqinisekisa ukuba intlawulo yakho yokwahlulahlula intlawulo iya kongeza ukwenza intlawulo esezantsi xa lifikile elo xesha.
Kwaye, ewe, ukuba irente-eyakho ibonakala iyingozi kakhulu kodwa uyathanda ukuba ube nemali oyigcinileyo yokuhlawula kunye nerenti yakho, kuhlala kukho ukhetho lokufudukela kwindawo enexabiso eliphantsi kodwa uhlawule imali efanayo kwirente leyo , irente enexabiso eliphantsi kumnini-mhlaba, kunye nenxalenye eseleyo kwiakhawunti yakho yokonga).
