Sekunjalo, ngaphezu kwesigamu salabo abahlolisweyo abanaso isicwangciso sokufika apho, kwaye xa beqala ukuhamba endleleni, badla ngokukhatyiswa ukuba lubiza kangakanani. Ngokuqinisekileyo, ezinye iindleko ezinxulumene nabanikazi bezindlu ziqikelelwa, njengentlawulo yakho yokuboleka .
Kodwa ezininzi iindleko ezixhasayo zobunini bezindlu zithatha abanikazi bezindlu ngokumangalisa, kubandakanywa irhafu yepropati, i-inshurensi, iibhidi zetyala kunye nokunye. Abanikazi bezindlu base-US banokuchitha imali engaphezulu kwama-9,000 ngonyaka ngonyaka kula manani afihliweyo kunye neendleko zokugcina , ngokwemibiko yeZillow kunye neThumbtack.
Awufuni ukuthandana nekhaya kuphela ukufumanisa ukuba iindleko zokuhlala ziza kuba nazo. Nantsi isikhokelo kwizinto ezifunekayo ukucinga ngazo, ngoko awuyikotyiki xa iibill ziqala ukufika.
Iindleko zokuvala
Njengoko uvala kwi-mortgage yakho, lungela uluhlu lokuhlamba iindleko: Imirhumo yomhlala-mboleko, iirhafu zomfaki-sicelo, i-inshorensi yemali, intlawulo yomshuwalense (inqubomgomo yomshuwalense wezenzo), iifizi zokurekhoda (ezihlawulwa kwiofisi yomabhalana wenkundla ukurekhoda isenzo ), kunye nayiphi na irhafu yokuhlawula ixabiso lomhlaba ukuba umthengisi ubahlawule ngaphambili. Konke, ngokuqhelekileyo ukhangele kumyinge wama-2 ukuya kuma-5 ekhulwini weendleko zekhaya, utshilo uRebcca Mason, umongameli wongameli kunye nentloko yokuthengisa kwi-OneTitle.
Ziyahlukahluka ukusuka kummandla ukuya kummandla - umzekelo, enye ikhomishini inokuhlawulisa i-$ 20 ngephepha ngalinye kwiimali zokurekhoda, ngelixa enye inokuhlawula i-$ 5. Ukufumana ingcamango engcono yeendleko zokuvala ezipheleleyo kufuneka uhlahlole uhlahlo lwabiwo-mali, i-Bankrate inemephu echaphazelekayo.
Isondlo sekhaya
Ngokubanzi, kufuneka uceba ukuhlawula i-1 ukuya kwi-2 ekhulwini lexabiso lekhaya lakho unyaka ngamnye kwisondlo kunye nokugcinwa, ngokwesiXeko sase-Harvard saseYunivesithi esiBumbeneyo kwiZifundo zeZindlu.
Kodwa loo nombolo iyahluka, kunye noJeremy Wacksman, igosa lokuthengisa kwiNtloko eZillow, ibhala ukuba ukugcinwa kwekhondomu okanye i-townhomes eziqhotyoshelweyo kubonakala kuncinci kunamakhaya angabodwa kwintsapho.
Ezinye zezicelo zesondlo eziqhelekileyo ukusuka kwisifundo se-Zillow kunye neThumbtack zazihlambulula indlu, ukunakekelwa kwendawo, ukucocwa kwamanzi kunye nokuhlamba. Amaxabiso ayahluka ngokubanzi ngokusekelwe kwindawo. I-ejenti yakho kunye nomhloli wekhaya unokukunceda ukuba uqikelele ukuba yeyiphi imisebenzi eqhelekileyo iya kuba neendleko kwiindawo ezihlala kuyo kunye nommandla, ngakumbi xa kuziwa kwiindleko zonyaka wokuqala. IiSayithi ezifana noHlelo lwe-Angie kunye neThumbtack zinokukunceda ekuqikeleleni.
Imirhumo yePropati
Iirhafu zepropati aziguquli nje ngurhulumente, kwaye azihlali zincinci - ziyakwandisa okanye zinciphise ngokusekelwe kwisixeko, ummiselo, kunye nendlu ethile. ISibonelelo soRhafu sinesitoreli sedatap yerhafu yepropati ongayisebenzisa xa uhlela iindleko. Ukuba ukholelwa ukuba iirhafu zakho zepropati ziphezulu kunokuba zifanele zifaniswe namanye amakhaya kwindawo yakho, unokuqesha ummeli ukunceda ukulibala iirhafu zakho (ngokuqhelekileyo ipesenti yemali lowo mntu uyakusindisa). Unokwenza ngokwakho uze ugcine iirhafu.
Izixhobo
Iindleko zengqesho zinokuba njengeziphakamileyo kwinani njengerhafu yepropati, uthi iWacksman - isebenza ngeedola eziliqela okanye ngaphezulu.
Uqikelelo lushintsho lwemozulu, ukusuka ngonyaka ukusuka kwii-2,616 zamaRandi (e-Atlanta, GA, umzekelo) ukuya kuma-3,480 ayi-$ (80) e-Portland, OR). Umyinge wesizwe u-$ 2,964. Kodwa ukuba ufumane ingqiqo ecacileyo yento yokuhlawula imali, cela umhlobo ngekhaya kwindawo ohlala kuyo ukuba ucingisise ngetyala lakhe leenyanga, ukuqinisekisa ukuba ulungelelanise ubukhulu bekhaya labo ngokubhekiselele kwakho. Le nto ingaba nokuvuleka kwamehlo xa kufikelele ekunyamekeleni umlanjeni, iindleko zamanzi, kunye nexabiso langaphakathi lokutya.
Abanini beeNkampani zaMashishini
Ukuba ufumana i-mortgage, kuya kufuneka ukuba ube ne- inshurensi yabanini . Yaye nangona uhlawula imali yakho kwikhaya, kufuneka ube nayo. Ukulungele ukuthenga umgaqo-nkqubo wendleko oza kuhlawula iindleko zokutshintsha izinto ezibiweyo okanye ezonakaliswe emlilweni, kunokuba enye ikunike ixabiso elithinteleyo lezinto ezilahlekileyo.
Ngokutsho kweNkcazo ye-inshurensi ye-inshurensi, i-premium yonyaka i-$ 1,132. Kodwa unokuzigcinela umlinganiselo obalulekileyo ngokuthenga ngeenxa zonke, kokubili kwi-intanethi kwaye ucima. Uze ubuze malunga neziphi izaphulelo ongafumanayo, kubandakanywa izaphulelo zeenkqubo zokukhusela, usebenza ukusuka ekhaya, kunye nokuthengwa kwekhaya lakho kunye nomgaqo-nkqubo womshuwalense we-auto.
Ekugqibeleni, qaphela ukukhawulelwa kwabanini-nkonzo yinshurensi. Iipolisi zivame ukukhusela kuphela ikhaya kunye nezinto eziphathekayo ngaphakathi, kodwa ukuba uthengisa ikhondomu, i-co-oper mayingadinga umphathi wecala kwiingozi. Yaye ukuba uhlala kwindawo yamanzi, uzakufuna i-inshurensi yomshuwalense.
Kunye neHayden Field