Ekhaya Abathengisi Ngaphandle kweeMali Ukuhlawula ukuthengisa

Ukuthengisa ngaphandle kweNkqubo yeZingqinisiso Ukuzisa imali kwiThebhile

Ngamanye amaxesha abathengisi basekhaya bangagqiba ukuhlawula ukuvala isivumelwano. Cinga ukuba ucinge, Kodwa, linda, ukuba ndithengisa ikhaya lam, kutheni ndifuna ukuzisa imali? Ngaba umthengi ahlawula ukuthenga ikhaya lam?

Umbuzo omhle. Kodwa iimeko ezinjengalezi zenzeka ngokugqithiseleyo kunokuba ungacinga.

Kutheni Umthengisi Ahlawule Ukuthengisa?

• Akunako Amanani
  Ukuba unayo indlu yakho engaphantsi kweminyaka emibini kwaye uthabathe uhlobo lwemboleko yokubolekwa kwemali ebingaphezulu kwe-90% yentengo yokuthenga, mhlawumbi awunakho ukulingana okwaneleyo ukuhlawula iindleko zokuvala. Iindleko zokuvala, kubandakanywa ikhomishini yendawo yokuhlala , inokuqhuba i-8 kuya kwi-10% yentengo yokuthenga.

• UkuNciphisa iMakethe yeSakhiwo
  Mhlawumbi uzama ukuthengisa kwiimakethe ezithengiswayo , eziza kuthetha ukuba ikhaya lakho lingafanelekanga ukuvelisa inzuzo xa kuthengiswa. Imijikelezo yezindlu zingenza iimarike zihambe kunye nokunyuka. Ayikho yonke imizi iyaxabisa minyaka yonke.
• Iimpawu zokuHlalwa koBomi
  Ngamanye amaxesha izinto zangaphandle okanye izinto ezikufuphi ezikufutshane zichaphazela ixabiso lempahla . Xa iziqephu ezitsha zakhiwa kufuphi kwaye amakhaya anikezelwa ngaphantsi, abathengi baya kukhangela ekwakhiweni olutsha, ukuphepha izindlu ezindala. Uphuhliso olutsha lwezorhwebo luguqula ixabiso lamakhaya azungezile. Ngamanye amaxesha amakhaya aneemvakalelo alahlekelwa yizo ngcamango xa izakhiwo eziphakamileyo zakhiwa.
• Ukulungiswa okungalindelekanga
  Iimbambano ezimbalwa zizinzile de ukuthenga umthengi. Ukuhlolwa kwasekhaya kunye nokuhlolwa kwezilwanyana kungaphakamisa iingxaki ezingachazwanga okanye ukungaphumeleli ekhaya okuya kumawaka eedola ukulungisa. Yintoni enokuqala njengomsebenzi wokulungisa olula ungabonakalisa ezinye iingxaki xa iindonga zivuliwe okanye iziqhankqalazo zophahla ziyasuswa.

Abadayisi bahlawula njani ukuthengisa?

• Abanye abathengisi baThengise iiAkhawunti zeRhafu okanye iBrorow From Family
  Abathengisi abaphelisa ekupheleni kwetonga bazisa isheke. Ibhinqa e-Sacramento ithathe umboleko wemali ngokulingana nomyeni wakhe ukuze incedise ukwenza iintlawulo. Xa engenako ukukwazi ukwenza iintlawulo, wathenga elinye ikhaya nge-100% ngemali. Emva koko waqeshisa umtshato wakhe waza wawubeka emarike.

  Umqashi wakhe akazange asebenzisane, kwaye ke wenza kube nzima ukuba igosa lelo mfazi libonise i-condo. Umqeshi kufuneka ahambe. Ukudibanisa namaxabiso ahlayo, lo mthengisi wayeya kuqhubela amatyala ngenyanga.

  Lo mthengisi ekugqibeleni wayefanele abhekane nelokuba ukuba ufuna ukuthengisa i-condo yakhe kwaye angayi kulahlekelwa ngokungqambela, kwakufuneka adlulisele imali etafileni ukuvalela ukuthengiswa kwakhe. Ngethamsanqa, abazali bakhe bamnika imali.

• Abanye abathengisi banqume ukubetha iBullet
  Umthengisi waseRoseville wandibiza kungekudala ukuba ummeli wakhe wayemxelela inyaniso xa igosa licebisa ukuba athathe imali yokuvala. Le nkqubela phambili yezemali yathengisa ukuhlala kwaye ungathengisi. Emva koko, wayesebenayo indlu; wayengeyena umninimzi ozibuza ukuba kufuneka athenge okanye aqeshe .

  Umthengisi wagxininisa ekuthengiseni ngenxa yokuba akayithandi ummelwane wakhe okanye abamelwane bakhe. Kuwo onke amakhaya ekuhlulwa kwakhe, wayeyena kuphela umnini ohlala kuyo. Amanye asemakhaya ayengabharensi, awatyala amaxabiso. Kwakufanelekile ukuba asebenzise i-$ 30,000 ukuze aphume kuloo ndawo kwaye abe yindawo engathandekayo. Wawususa imali kwi-savings.

• Abanye abathengisi Bacele ukuthengiswa okufutshane
  Bonke ababolekisi baya kuvuma ukuthengiswa okufutshane . Kukho iimfuno ezithile kunye neemeko eziya kunceda umntu oboleka imali ukuba axolele amatyala. Umthengisi kwiNyakatho yeSigramento wayenayo impahla, engenakho imali engenayo kwaye wayilungisa ikhaya lakhe ngexabiso lemarike . Wayenetyala ngaphezu kwekhaya elifanelekileyo.

  Kuye, ukuxoxisana ngokuthengiswa okufutshane kunye nomboleki-mali kuthetha ukuba unokuhamba ngaphandle kwipropati ngaphandle kokuvalwa kwirekhodi yakhe. Kwakhona kwafuneka ahlawule irhafu kwixabiso leetyala elithethelelwe, kodwa loo mali ihlawuliswe kwi-bracket ephantsi ye-15%. Ukuhlawula i-15% yentlawulo emfutshane yokuthengisa kuthethwayo kunokukhetha imali yonke, kunye neendleko zokuvala ukuthengisa.

Yonke imeko ihluke. Abathengi abafumana ubunzima bezezimali kufuneka baqale bathethe nomcebisi wezezimali okanye i-CPA ukuba bancede bahlole ubunzima kunye neqhinga lokuzisa imali ekuvaleni ukuthengiswa kwekhaya labo.

_{Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.}