Iindaba ezimnandi kuqala: Ngokwenyani kunokwenzeka ukuba uthenge indlu eManhattan engaphantsi kwe- $ 300,000 okanye njalo. (Ewe, indawo yokuhlala eyiyo — hayi ikhabethe! Ewe, thenga ukuba yeyakho, ungaqeshisi!) Rhoqo rhoqo, iyunithi yomanyano lweNgxowa-mali yoPhuhliso lweZindlu (i-HDFC) ifika kwimarike, ibonelela ngendlela enqabileyo, efikelelekayo kumntu oza kuba lilungelo abathengi basekhaya.
Kodwa iindaba ezidimazayo? Ayisiyonto inqabileyo kuphela, ezi zinto zithengiswayo kwiarhente yokuthengisa izindlu nomhlaba ikwayinto yokubambisa-22: Ukuze uyithenge, kuya kufuneka ube nomvuzo wonyaka phantsi komda othile, kodwa Kuya kufuneka ube unemali ebonakalayo ezandleni zakho zeentlawulo ezantsi (kwaye kwezinye iimeko, ngalo lonke ixabiso lokuthenga). Oku kunciphisa kakhulu iphuli yabazingeli bendlu abanokuthi ngokwenene bathenge olu hlobo lwe-co-op. Kwiimeko ezinqabileyo, abantu bayagcina. Amaxesha amaninzi, nangona kunjalo, ngabantu (cinga iigrade zekholeji zakutshanje) ezinomvuzo othobekileyo oza kwilifa okanye afumane inkxaso-mali kwiintsapho zabo, okanye abo badla umhlala-phantsi bengenayo umvuzo wenyanga kodwa imali eninzi koovimba. Ncwina.
Ii-co-ops ze-HDFC zeNew York City zavela ngeminyaka yoo-1970 xa, ngexesha lokudodobala kwezoqoqosho, abanini-ndawo baqalisa ukushiya izakhiwo zabo. Izakhiwo zanikezelwa kubahlali ukuze bazilawule. Iqale njengoluvavanyo kodwa okoko iguqukele kwindlela ye-niche yabantu baseNew York abanengeniso ephantsi ukuya kwinqanaba lokuthenga amakhaya.
Iiyunithi zihlala zilapha ngezantsi kwexabiso lentengiso, oko kuthetha ukuba imali yakho mboleko iya kubiza imali encinci kunokuqesha iyunithi efanayo, uyachaza u-Eugene Gamble, umtyali mali wepropathi kunye neqabane eliphezulu Abahlebi bePropati, utyalo-mali lwepropathi kunye nenkampani yophuhliso.
Ngaba unomdla? Nantsi enye into iingcali ezithengisa izindlu ezithengisayo ezithengiswayo ezithengiswayo ezithengiswayo ezithengiswayo.
lithetha ntoni inani leengelosi ezingama-555
Imali engenayo ingqongqo
Ukongeza ekubeni kwinqanaba lamaxabiso afikelelekayo, ii-co-ops ze-HDFC zihlala ziindawo ezinolwazelelo loluntu, utsho UMolly Franklin , umthengisi wezindlu kunye Iindawo zokuhlala yokwenene.
Ithetha ntoni i-777
Into yokuqala abathengi ekufuneka beyazi kukuba ingaba bayakufanelekela na ukufumana ingeniso yesakhiwo, kwaye kufuneka babenakho ukubonisa loo manani kwimbuyekezo yerhafu yeminyaka emibini, utshilo uFranklin. Akukho cap yengeniso yendalo iphela kunye neefomula zokumisela imivuzo yengeniso eyahluka ngokusebenzisana. IHauseit, iyathengiswa yinkampani yabanini eNew York, ibeke ndawonye Isikhokelo sesampula ukubala izikhokelo ze-cap cap. Ungajonga kwakhona a isicelo sesampulu , esihlala sicela ulwazi lweakhawunti yebhanki, izingqinisiso zakho, kunye nenkcazo yokuba kutheni ufuna ukuhlala kwisakhiwo.
Lucas Callejas indawo yokugcina indawo , umthengisi wezindlu kunye Kathathu Ukuthengiswa kwezindlu eNew York, ithi kubalulekile ukuba abathengi bathathele ingqalelo ukuba banazo na iibhonasi ezicwangcisiweyo okanye ukunyusa okuzayo. Ukuba kunjalo, kunokuba kufanelekile ukucela inkampani yakho ukuba ilibazise xa ukufuphi kwikepusi yengeniso.
Ezinye izakhiwo, kuxhomekeke kwinkqubo, azizukuvumela idola ngaphezulu kwekepusi, uyachaza. Abanye banokuba negumbi lokujikeleza kunye nenani elincinci lokuguquguquka.
Kwizakhiwo ezinemivuzo ephantsi, abathathe umhlala-phantsi abanezimali ezomeleleyo kodwa umvuzo ophantsi, kunye nezipho ezithengwa ngabantwana abadala balawula umdlalo, uFranklin uyachaza, kuba uninzi lwezi zinto zithengwayo ziintengo zemali.
[Iiyunithi] ezininzi ziya kubantu abanokuba nabazali okanye oomakhulu nootatomkhulu abanee-asethi eziyimali, okanye abantu abashiye imisebenzi ehlawula kakhulu kwaye ngoku basebenza kumacandelo apho benza kancinci, kodwa bakufumanisa kunomvuzo, utshilo uFranklin.
Enye into engaqondakaliyo, nangona kunjalo? Awuvalelwanga ekufumaneni umvuzo ofanayo iminyaka.
Ingelosi inombolo 777 intsingiselo
Abantu banoloyiko lokuba esi sakhiwo siya kufuna ukuba ungaze ufumane ngaphezulu kwengeniso emva kokuba uthengile, utshilo. Esi sakhiwo asizukubeka iliso kumvuzo wakho ngonaphakade kwaye isivumelwano soqeshiso asizukuhluthwa ezandleni zakho ukuba ufumana unyuselo olukhulu ngonyaka emva kokuthenga.
Inqaku elinye elinamathelayo: Abathengi kufuneka bafumanise ukuba ingaba isakhiwo sivunyiwe kusini na ngokubambisa ngemali, utshilo uFranklin. Ezinye izakhiwo azikho kwimpilo eyomeleleyo yezemali, ngenxa yoko iibhanki akunakulindeleka ukuba ziboleke imali, utshilo.
Ngokwesiqhelo, ii-HDFCs zifuna intlawulo ephantsi, iipesenti ezili-10 zokuhlawula, uyacacisa UDebra Bechtel , Unjingalwazi kwisikolo iBrooklyn Law School ofundisa iklinikhi ejolise kwi-HDFC; kodwa ezinye iindawo ezishushu zifuna yonke imali.
Ukuba umba wemali wawungonelanga, abathengi kufuneka bavunywe yibhodi yentsebenziswano yesakhiwo. Umbutho obizwa ngokuba yi IBhodi yokuNcedisa ukuTyhutyha amaDolophu inenkqubo yoku-pre-screen abantu abanomdla wokuhlala kwii-HDFCs ukufaneleka.
Ayizizo iipropathi zotyalo-mali.
Abathengi akufuneki balindele ukwenza imali eninzi kwi-HDFC. Ewe, nangona uvunyelwe ukuba ube nengeniso enkulu xa sele uyithengile indlu, umthengi olandelayo ongumhlali kuya kufuneka enze phantsi kwekhaphethi yengeniso xa uthenga. Oku konke kuxhomekeke kwimithetho yakho yokwakha, nangona kunjalo.
Ixabiso lokuthengisa kwakhona alikhawulelwanga, kodwa ukuqonda ukuba ikepu yengeniso iya kulawula ukuba ungafumana phi na ekuthengisweni kwakho kubaluleke kakhulu ekulawuleni okulindelweyo, utshilo uFranklin.
Ukongeza, i-flip tax (okanye iirhafu zokudlulisa ezihlawulwe kwisakhiwo ukugcina oovimba xa uthengisa) zihlala ziphezulu ukuthintela izikimu zokufumana ubutyebi ngokukhawuleza.
Iyunithi kufuneka ibe yindawo yokuhlala yakho ephambili.
Ndihlala ndiqinisekisa ukuba abathengi bam bayazi ukuba le yeyona nto ifanelekileyo ukuba umntu asebenzise indlu njengendawo yokuhlala njenge-HDFCs engabavumeli abantu ukuba bathengele i-pied-à-terre kwaye banemigaqo-nkqubo engqongqo, uyachaza Indawo yeShelly , Ummeli kathathu.
Inombolo ye-555 yengelosi doreen ubuhle
Uhlawula kancinci-kodwa ufumana kancinci (ngesiqhelo), nawe.
Ii-HDFC ezininzi zifuna ukulungiswa okuneendleko ukuzinyusa zikwimigangatho yokuphila efanelekileyo kwaye ke kunokwenzeka ukuba iindleko zakho ezingaphandle kweepokotho ziya kuba phezulu kunezinye iindlela eziphambili zokujikajika, uyacacisa uGamble.
Ingelosi inombolo 555 intsingiselo
Iiyunithi ze-HDFC zenzelwe abantu abakwizibiyeli ezinengeniso ephantsi ukuya embindini, kwaye ngenxa yoko, zihlala ziphethe iifizi zokugcina eziphantsi, Abahlebi bePropathi 'UGamble utsho. Nangona kunjalo, ezi ntlawulo ziza nendleko: Imirhumo yolondolozo oluphantsi ithetha ukuba ubuncinci bempahla engamanzi isakhiwo sinakho ukulungiswa, kwaye ngenxa yoko isakhiwo sinokuthi sithambekele kwinkxalabo yokhuseleko okanye yolondolozo.
Kwaye ngelixa kuyinyani kwezinye izakhiwo, kukho uhlobo lokuvuselela okwenzekayo ngeManhattan HDFCs. Ukungena kweentengiso ze-HDFC zamva nje kuthetha ukuba izakhiwo zinokungakumbi kwiibhokisi zazo; Uninzi lufumana ukuphuculwa okufuneka kakhulu kwaye luvula imali, nako uFranklin uthi.
Ukuthatha? Ii-HDFCs aziweli kwinqanaba elihle kakhulu ukuba libe yinyani yokwenyani; kodwa ngokuqinisekileyo beza nemiqobo ethile.
