Ngelixa bendihlala ndifuna ukuthenga indlu yokwenza ikhaya, iqabane lam belisoloko lijonga ukuthengiswa kwezindlu njengotyalo mali, hayi oluneemvakalelo. Sobabini sinezizathu zethu: Usapho lwam luphulukene nekhaya lam xa ndandineminyaka eli-13, kwaye ndiyayithanda imbono yokukhulisa usapho kunye nokwenza iinkumbulo kwindlu ezinzileyo ngokwezemali endinayo. Umlingane wam uvela kusapho lwabaphambukeli, kwaye wakhuliswa ukuba abone ubunini bendlu njengendlela yokufumana umvuzo.
Into esinokuvumelana ngayo? Ukuba sobabini siyakuthanda ukuhlala kwelinye ilizwe. Okwangoku sihlala eMexico, kwaye singathanda ukuqhubeka nokwenza njalo ixesha elide. Sinexabiso eliphantsi lokuphila kunokuba besinokwenza eMelika, kwaye ngenxa yoku, sikwazile ukuhlawula isiqwenga esihle semali mboleko yethu yabafundi kwaye gxotha isixa esihle semali. Kwaye ngoku, sifumene ulungelelwaniso olufanelekileyo kuloo mali: Thenga indlu ubuyisele e-U.S. Njengepropati yotyalo-mali, kwaye usebenzise ingeniso eyivelisayo ukuqhubeka nokuhamba nokuhlala phesheya.
Asingabo abantu bokuqala ukujongana neendleko eziphezulu zokuphila zase-U.S., Ukunyuka kwamaxabiso ezindlu, kunye netyala lemali mboleko yomfundi ngokuhlala phesheya kwiminyaka embalwa. Njengam neqabane lam, sidibene nabanye abaninzi abasuka kwamanye amazwe nabo abafudukela phesheya ukuze bonge imali. Kwaye bayafumanisa, kwakhona, ukuba emva kokukhula beqhelene nendlela yokuphila yamanye amazwe, bafuna ukuqhubeka nokuhlala nokuhambela phesheya kwaye bathathe isigqibo sokuthenga ipropathi yotyalo-mali emva eMelika ukwenza njalo.
Ukuze uyiqonde ngcono into endingena kuyo neqabane lam, ndiye ndathetha nabambalwa abapapashileyo (kunye noochwephesha kwezindlu nomhlaba!) Ngeepropathi zotyalo-mali ukuqonda izibonelelo (kunye neehiccups ezingenakuphepheka zenkqubo) ngcono. Nantsi into abayithethileyo:
lithetha ntoni 11 11 kwiwotshi
Cinga ngokufanelekileyo nangexesha elide
Owayesakuba ngumgcini weenja, uCasey Jasper, ungumnini wendlu eyayixelwe kwangaphambili kwidolophu yase Sacramento. Uyithenge ngemali ngo-2008 emazantsi emarike. Ngoku wenza i $ 2,400 inyanga nenyanga ngaphandle kwepropathi, kwaye usebenzisa imali ukuhambela umhlaba, ekwenzileyo ngokungaguquguqukiyo kangangeminyaka emibini.
Logama nje indlu iqeshiwe, ndingaya kumazwe afikelelekayo, utshilo uJasper.
zithetha ntoni ezingama-777
Omnye umntu ophuma naye, uNicole Scala, usebenzise iindleko ezifikelelekayo zokuhlala kwelinye ilizwe ukuhlawula amatyala okubuyela ekhaya. Wathenga ikhaya eFlorida, kodwa emva koko wafudukela eSouth Korea esiya kusebenza njengomfundisi-ntsapho wesiNgesi. Umsebenzi wakhe omtsha uhlawule kakuhle kwaye ubandakanya izindlu, umvumela ukuba aphindaphinde kwintlawulo yakhe yobambiso eFlorida. Ekugqibeleni, wabuyela eMelika ephethe imali eyoneleyo ukuze aphile ukuba akangekhe awufumane kwangoko umsebenzi.
U-Scala ufumanise ukuba ukuba nepropathi yotyalo-mali kukwavule namathuba akhe ukubuyela e-U.S ndikhethe ukuhlawula indlu yam okanye ukuthenga entsha, utshilo. Ndithathe isigqibo, ekubeni indlu yokuqala ibinabaqeshi, ukuba ndizakusebenzisa imali endiyongileyo ukwenza intlawulo kwindlu entsha, eyakhiwayo ngoku.
Yazi ukuba inkqubo yezemali iya kuba nzima kakhulu
Kodwa ayisoloko iyinkqubo elula kubathengi basekhaya be-expat. UJessica Panicola wasebenza njengomfundisi-ntsapho phesheya iminyaka emine, egcina i-80,000 yeedola-ngaphezulu kwemali eyoneleyo yokuhlawulela intlawulo yendlu. Xa wagqiba kwelokuba abuyele kwisiXeko saseNew York ukuya kwisikolo segrad, wayefuna ukuba neyakhe endaweni yerenti. Ngelishwa, ukuthenga indawo yokuhlala kwakunzima kakhulu kunokuba wayekulindele-wayengavunyelwanga ukuba abambise.
Kwafuneka ndamkelwe ukuthenga indlu, kwaye ukuze ndenze oko, bendidinga umvuzo ozinzileyo, utshilo. Kuba ngoku bendingaphangeli, ngekhe ibekhona indlela ebendinokukwazi ukufumana ukuvunywa.
U-Scala, naye, wafumanisa ukuba kukho imiqobo engalindelekanga xa wayokwakha ikhaya lakhe lesibini. Andinayo i-W2s, ke kuye kwafuneka ndisebenzise iifom zam zerhafu ukufaka isicelo semali mboleko, utshilo. Abanye ababolekisi bebengafuni ukusebenza nam kuba bendingenayo idilesi yase-U.S kule minyaka mibini idlulileyo.
Amaxesha amaninzi, i-red tape expats ebusweni xa kuthengwa e-US kunokuthintelwa ngokulungiselela, utsho UAshley kufutshane , Realtor kunye noKeller Williams eCharlotte, North Carolina:
Xa ilixesha lokuba ubuyele umva, olunye luqwalaselo kukuqiniseka ukuba uxoxa ngokugqibeleleyo ngengqesho yakho ngelixa ufumana imvume kwangaphambili kumbolekisi, utshilo. Ukongeza ekwazini ukuba yeyiphi ingqesho kunye nokuqinisekiswa kwengeniso okufunekayo, cacisa malunga nemeko yakho. Bonisa ukuba ingqesho izakuqala nini okanye iqhubeke nini, kwaye wazi ukuba indawo leyo izakuba yindawo yokuhlala yasekuqaleni na.
Umlingane wam kunye nam siye sangena kwimicimbi efanayo xa sizama ukubolekwa imali eMexico. Kodwa, sizimisele ukuqhubeka sizama. Ndacela iingcebiso kuMelissa Wilbur, umfazi owayefanele ukuthengisa indlu yakhe evela phesheya xa kuthunyelwa umyeni wakhe. Nantsi into asixelele yona: Sukuthatha impendulo. Kukho indlela ejikeleze yonke into. Kufuneka uyifumane.
Ngelishwa, le ndlela inokuphelela ekubeni ibize kakhulu, ke kubalulekile ukuba usebenze kunye nomthengisi wearhente yokuthenga izindlu kunye nombolekisi wemali-mboleko oyaziyo imeko yakho ngaphambi kokuba uqale ukukhangela ukugcina iindleko zakho ziphantsi kangangoko.
xa ubona 222
Hlala ulungelelene
Ukuba ufuna ukusebenzisa ikhaya njengepropati yotyalo-mali ngokuchasene nendawo yokuhlala yokuqala, kuya kufuneka ucace malunga nayo. Cwangcisa kwakhona ngokufika ekhaya kangangexesha elithile ngaphambi kokuyiguqula ibe yipropathi yerenti. Ukunyaniseka kumbolekisi wakho kunokunceda ekwenzeni inkqubo iqhubeke ngokutyibilikayo.
Hlala ngaphambi kwexesha elibekiweyo lesivumelwano kwaye ujonge kwangaphambi kwesidingo sokufumana i-notary kwi-ofisi yozakuzo yasekuhlaleni, kunye nexesha elinokuthatha ukuthumela amaxwebhu afuna utyikityo loqobo, utshilo u-Nearby.
Ngaba ungahlala phesheya ukuze ubuyele ekhaya eMelika?
Amabali amaninzi e-Real Estate:
- Jonga ngaphakathi: IVintage Florida Beach Cottage ngalo lonke uhlaziyo nge $ 878K
- Nanku umahluko wokwenene phakathi kokuBhengezwa kunye nokuThengiswa okuMfutshane
- Ezona Mpazamo ziqhelekileyo zeMali xa usakha (okanye uhlaziya) ikhaya
- Kutheni Ndizisola Ngokwenyani Ngokuthenga Indlu 'Efanelekileyo'
- Eli Khaya le- $ 2.95M lasetyenziselwa ukuba liThala leencwadi kwaye, Wow, andikaze Ndafuna Nantoni na
ndihlala ndibona i-1010
