Indlela onokukhusela ngayo iimpazamo xa uthengisa ikhaya
Inombolo Yowodwa Ukuthengwa Kwekhasi: Ukungafuni ukuThethela kuMcebisi othembekileyo
Lo mcebisi unokuba ngummeli wakho wezezindlu okanye i- arhente yezindlu .
Abathengi banqanda ulwazi ngezizathu ezahlukeneyo ezifana:
- Uloyiko lokuba baya kuqonda njani
- Inkolelo engekhoyo yonke impendulo
- Musa ukuziva kubalulekile ngokwaneleyo
- Ukungabi nethemba kumcebisi wabo
Abaqeqeshi bezakhiwo zengxowankulu bajongene nenani leentengiso kunye nokudibanisa abantu, bancinci abazange bakuve ngaphambili. Abacebisi bakho bamele iminqweno yakho enomdla kwaye banomthwalo wemfanelo wokwenza njalo. Akunakukunceda ukuba awazi into oyenzayo ngasemva kwabo. Ngaphezulu, baya kuba neengcamango ezingcono kunokuba unako ukurhoxisa.
Ukuba unamaqanda abandayo kunye neengcamango malunga nokuxhaswa kwintengiso, xela i-arhente yakho malunga nale miva. Unokukunceda ukuhamba ngeengxaki. Iinkonzo ziya kukunceda ukuba ubone ukuba ufuna ngokwenene ukukhansela kwaye, ukuba kunjalo, lawula ukuthengiselana ukuze ufumane imali yakho engqongqo .
Inombolo yeZibini zokuThengwa kweeNdawo zokuThengisa iNgxaki: Ukutshintshana kweeMali zeMali ngaphambi kokuVala
Xa ndithenge indlu yam yokuqala, ndandifaneleka ngokulula kuba ndingenayo inkokhelo yemoto okanye ityala elivukelayo. Kwiveki ngaphambi kokuvala, ndithenge imoto entsha kwaye ndabhawula ukuthenga. Amanqaku amasha athetha ukuba andisayifaneleka. Inxeba yefowuni kumama, ndicela ukuba ndibole imali ukuze ndihlawule imali yemboleko yemoto (kwaye ndiyesongela ukuba ndibonise emnyango wakhe ngomthwalo kunye nekati phantsi kwengalo nganye), kwakuyindlela kuphela eyandisindisa ukulahlekelwa yindlu.
Abathengi basekhaya namhlanje benza impazamo efanayo. Musa ukuthenga nto kwikhredithi kunye / okanye ngekhadi lesikweletu emva kokuba ugcwalise isicelo somboleko. Umzekelo, nceda ungazithengi:
- Iimoto
- Ukuhlamba, i-dryers, iifriji
- Lawnmowers okanye izixhobo zasegadi
- Iicomputer ebiza okanye iikhomputha
- Ifenitshala kwikhaya lakho elitsha
Ukutshintshelwa utshintsho kwi-credit ratios yakho kunokubangela ukuba umgcini- phantsi angaphonsa imali mboleko yakho kwaye uyayiphika. Ukuba ukuhlawulwa kwemali-mboleko yakho iphelile okanye kususwe, unokulahlekelwa imali yakho yesigxina ngaphezu kokulahlekelwa ekhaya.
Inombolo Ekhaya Eyintathu Ukuthenga Intonga: Ukuthenga Indlu Engalunganga
Into yokuqala ekhaya abathengi kufuneka bayenze ukwenza uludwe lwezinto eziphambili kwaye bachaze iinjongo zokuthenga ekhaya. Bonisa indlela iimpawu kunye neenzuzo ezibaluleke kakhulu kwaye ungaphila ngaphandle. Ngaphambi kokuba uvale ukuhlutha, hlaziya olu luhlu. Kulula ukungawuboni into ebalulekileyo engayi kubuya kukunyanzela kamva.
Umthengi efuna ikhaya kwikhaya laseSacramento, eCalifornia, wazithoba ngokukhawuleza ngokuthenga ikhaya elincinane kunokuba wayeyifunayo. Wayeqiniseka ukuba ukuhlamba elinye kwakufanelekile, kodwa wafumanisa emva nje kokuvala ukuba ukwabelana ngamabhinqa kunye noonyana ababini bekhulile kwakungenakwenzeka.
Kwabangela ukuba uxinzelelo oluninzi kunye nentlungu ayithengisa ngaphantsi konyaka. Kwakubiza imali yakhe ukuthengisa kunye nemali yokuthenga ikhaya elinesibini lokuhlambela kwenye indawo. Ukuba imarike yayicinezelekile okanye intengiso yomthengi , wayenokulahlekelwa yinto yonke, njengalowo mfana olandelayo, endaweni yokuchitha imali eninzi kunokuba kuyimfuneko.
Omnye umthengi wathenga ikhaya elithengela i-$ 100,000 ngaphezu kokuchitha imali. Kodwa wathandana nomlingiswa we-Victorian: ukuphakama okuphakamileyo, izandi ezikhanyayo kunye neeplanga ezibanzi. Ngomnyaka kamva, wayengenakukwazi ukwenza imali yakhe yokuhlawula imali . Indlu yayibiza kakhulu ukuba igcine. Wayeza kuba ngcono ekuthengeni ikhaya elincinci kwiindawo ezithobekileyo. Kodwa wavumela ukuvakalelwa kwakhe kwandipha isigwebo sakhe esihle.
Ukususela ekuthengeni kwakhe, imarike yatshintsha kwaye ayikwazanga ukuyithengisa. Wayelahlekelwa yindlu yakhe ngokuthengisa okufutshane .
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.