Inkcazo: Iindleko zokutshintsha ixabiso lemali elingadinga ukufaka isakhiwo kunye nesakhiwo sokwakha esifanayo. Ngoku, indleko zeendleko ziyahlukahluka unyaka ngamnye, ingakumbi ukuba ukhangele iindleko zokubuyisela ikhaya. Xa iimarike zeempahla zixabisa, zihlala zibiza iindleko zokuthenga okanye ukusetyenziswa ekhaya ngaphandle kokwakha ikhaya elitsha. Kodwa xa iimarike zinciphisa, ngamanye amaxesha kungabizi ukuthenga ikhaya elikhoyo kunezokwakha ezintsha.
Iindleko zokutshintsha ngokuqhelekileyo ziyinxalenye yomgaqo -nkqubo we-inshorensi yomninikhaya . Kodwa kufuneka ucele. Ukuba kukho izindleko ezongezelelweyo ukwakha ikhaya elitsha kuneendleko zokuqala zekhaya lakho, ngoko uya kufuna ukuqinisekisa ukuba ukuhlawulwa kweendleko zomsebenzi wakho kuphezulu kunexabiso olihlawuleyo. Ukuba amaxabiso ayaxabisa kummandla wakho, unokufuna ukwandisa i-inshorensi yakho eyisiseko kodwa ingxelo yokubiza iindleko ingahla.
Xa i-appraiser ilungiselela uvavanyo olubanzi, iindleko zokutshintsha, okt iindleko zokutshintshwa kwesakhiwo esele sinesakhiwo esifanayo, sibalwa kodwa asiqhelwanga ngokukhawuleza njenge-appraisal-alone. Kungenxa yokuba ukuthengiswa okuthelekisayo kuthwala ubunzima kwiphononongo yokuhlala ngaphandle kweendleko zokutshintsha.
Ixabiso lezinto zokwakha ziyahlengahlengiswa. Iindleko zezabasebenzi zitshintsha kwakhona. Xa lam ikhaya lakhiwa ngawo-1940, amakhaya kwindawo yam kufuphi athengisa entsha malunga ne-$ 10,000.
Inkulu elineshumi namhlanje ayifaki ukubeka uphahla olutsha. Kwaye uphahla lokwakheka kuphela kuloo mali. Akuyikugubungela okanye uphahla lwama-tile. Kuthathwa njengendlela efanelekileyo yokuhlaziya umgaqo-nkqubo womnini-mnini ngamnye kwiminyaka emibini ukuze uqiniseke ukuba unayo iindleko zokutshintsha ezaneleyo ezakhiweyo xa kwenzeka inhlekelele.
Kanye xa ucinga ukuba inhlekelele ayiyi kwenzeka kuwe, andizange ndiqiniseke ngoku.
Ngaphandle kwemifudlana kunye neengxube zokucima, izikhukula zikhona ngokwenene, nokuba awuhlali kwindawo yokukhukula. Kufuneka uqinisekise ukuba uqhuba i-inshurensi yomshuwalense , nawe. Amanzi enza umonakalo omkhulu kunokuba nantoni na ifutshane ne-asteroid ehlaba umhlaba.
Ukuze ufumane inkoliso ye-buck yakho, qiniseka ukuba ubuyekeze ngokuphindaphindiweyo umgaqo-nkqubo wabanini ukuba uqiniseke ukuba ukuthengwa kweendleko zokubuyisela kwanele.
Ukukhutshwa kweNdleko yoLondolozo lwalondolozwe Lo Mfazi waseAnderson, eCalifornia
Nali ibali lokwenyaniso ngokulahlekelwa yindlu . Ndaya kutyelela umhlobo waseAnderson, eCalifornia, kwiminyaka embalwa edlulileyo. Indlu yakhe ihlala kwindawo ekuthiwa yi-hogback, ebizwa ngokuba yinto efana ne-back hog. Umhlaba uhlala uphezulu phezulu kodwa umthambeka kumacala omabini. Umhlobo wam unomdla obalulekileyo kuMat. Lassen ukuya eMat. Shasta. Ngelishwa, walahlekelwa ngumzi wakhe, kunye nabanye abanikazi basekhaya abayi-1 eAnderson, bonke ngenxa yokuba umculi weqonga wayeqalile umlilo.
Wandibonisa iifoto zokuhlala kwekhaya lakhe, iimpahla zakhe zokufumana umntwana njengesiko lesilivere esicatshuweyo esilahlwe yinqwelo. Yonke into yabhujiswa. Andizange ndingazi ukuba umlilo unokukhawuleza njani ukutshabalalisa indlu ibe yinqwaba yomsila omnyama.
Abahlali abambalwa baseAnderson, eCalifornia, abazange bathathe iindleko zokubuyisela indleko, kwaye abaninzi abantu abaninindlu babengenayo inshorensi nhlobo. Ngamanye amaxesha abantu abayisebenzisi imali ukuze balungiselele inhlekelele xa ezinye izinto ezixinzezelayo zifuna.
Njengoko kuqhelekileyo kule mizekelo yeemeko, amavavolontiya avela kwiicawa zendawo kunye neengenzi-nzuzo avela kwindawo ukuze bancede abanini bezindlu bahlalutye ngomlotha ukuze bafumane izinto ezizodwa kunye nexabiso. Kwakungekho nto yexabiso elibonakalayo elisele emva komlilo. Kwiiveki ezimbalwa, umququzeleli we-inshurensi waphuma ukuvavanya umonakalo kwaye ulungiselele ukuba iqashiso lichithwe.
Ngonyaka, umhlobo wam wayenekhaya elitsha. Ukuhlaziywa ngokupheleleyo ukusuka emhlabathini, owenziwe kwizinto ezizinzileyo, ezinokuthi zichasene nemimandla yendalo. Inkampani yakhe yomshuwalense ayihlawulelanga kuphela ukulungiswa kwakhona kwendlu yakhe, kodwa ibuyisela iindleko zokuphila kwesikhashana kunye nokulahlekelwa kwipropati yakhe.
Abanye babamelwane bakhe babenenhlanhla, ngokukodwa abahlali abambalwa abanezindlu zeholide eAnderson kwaye abanako ukuhlaziya kwakhona. Uninzi lwabantu abangenazo iinshurensi kwiindleko zokutshintshwa babengenakukhetha kodwa kubhala ukulahleka.
Iinzuzo zokufumana uMyinge weNdleko
- Ufuna ukukwazi ukutshintsha indawo yakho kunye nalo lonke ulwakhiwo olutsha ngaphandle kokubandakanya nayiphi na iindleko ze-out-of-pocket.
- Ufuna uxolo lwengqondo ukuba umsebenzi uza kugqitywa ngendlela efanelekileyo.
- Ingxelo yokubiza iindleko ingafaka kwakhona indlu yesikhashana kwintsapho.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.