Ukurhweba phantsi kwekhaya
Ukucaciswa komnxeba kubathengi abavela kwiibhodi zelizwe lonke kubaluleke kakhulu. Ukunyusa isidlo sasemini kwi-1 ngaphezulu. Ivakala ngathi ifana. Kodwa ngaba ufuna ngokwenene ezo calori ezingaphezulu? Ukuthengisa kusinxusa ukuba sithenge i-SUV, sibuyisele ekhaya imali enkulu yokuhlawula, fumana i-TV enkulu.
Kwanele ukwenza umntu akhathele ukuzama ukugcina.
Iingenelo zeKhaya lokuNciphisa
- Ukunyuka kweeMali. Ukuba uchitha imali encinci kwintlawulo yakho yokubolekwa kwemali , unokuhlawulwa imali yonke inyanga ukunika ezinye iimfuno okanye iimfuno. Okanye mhlawumbi unakho ukuhlawula imali ngemali encinci kwikhaya elincinane ukusuka kwimali yakho ekhoyo.
- Ixesha elide. Amagumbi amancinci kunye neendawo ezincinci zinqunywe ngexesha elichithwayo ukucoca nokugcina. Amakhaya amancinci anganciphisa ixesha elichithwe kwimisebenzi yasekhaya, eshiya iiyure ezongezelelweyo ngosuku ukwenza enye into enandiyolisayo.
- Bills Bills Utility. Iindleko ezincinci ukufudumala / imeko yemoya encinci kwikhaya elincinci. Ngokuqhelekileyo, akukho ndawo echithekayo njengendawo yokukhusela ekhaya elincinci. Amanqanaba angaphantsi kwesi square anciphisa inani lamandla asetyenzisiweyo. Ukunciphisa amandla kungcono kummandla kwaye unceda ukugcina indlu yakho eluhlaza.
- Ukusetyenziswa okuNcitshiswayo. Ukuba akukho ndawo yokuyibeka, awukwazi ukuthenga kangako. Oko kuthetha ukuba imali encinci isetyenziselwa iimpahla, ukutya kunye neempahla zabathengi.
- Ukuxinezeleka okuncinciweyo. Umthwalo omncinci, umthwalo omncinci wokusebenza, ukwanda kwemali kunye nokuguquguquka okukhulu-kwongezwe kunye, bonke banciphisa uxinzelelo. Ngamanye amaxesha abanini bezindlu abaye baphantsi ngempumelelo baye bavuya ngakumbi xa bengagxininiswa yimfuno yendlu enkulu.
Iingxaki kwiKhaya lokuNciphisa
- Zimbalwa. Ukufudukela kwikhaya elincinci kunokubangela ukuthengisa, ukupha okanye ukuphosa ifenitshala, iincwadi, iikhikhithi kunye nokukhupha igaraji , isiseko kunye ne-attic. Abanye abantu baqhotyoshelweyo kwizinto eziphathekayo kwaye abanako ukukhetha nayiphi na. Isiteji sasekhaya sisebenzisa ezi zinto.
- Akukho Igumbi Labavakalisi. Ukubamba isidlo esikhulu seeholide kungabikho kumbuzo kwikhaya elincinci. Iindwendwe ezingaphandle kweedolophu zingadinga ukuhlala ehotele xa ziza kutyelela.
- Izikhawulelo zendawo. Abanye abanikazi bezindlu bavakalelwa bexinekile ngenxa yokuba kunendawo encinci yokuyiqhuba. Kunzima ukuphuma kwamanye amalungu entsapho kwaye ujabulele ixesha langasese, ixesha elithulileyo ngenxa yokuba kunamagumbi ambalwa okubaleka xa kufuneka.
- Ngaphantsi. Ngamanye amaxesha kubonakala kubaluleke ngaphezu kwamanqanaba okuthuthuzela. Kubanikazi bezindlu abanokubaluleka kakhulu kwindlela abaye bayayiqonda ngayo ngabanye, edlalwa ngokubonakalisa ukubonakala ukuba umntu ugcina inqanaba elithile lempumelelo yezemali, ikhaya elincinci lingenakulinganisa loo mfanekiso.
- Indlela yokuphila. Ingakumbi kubanini-bemi bexesha elide, ukurhweba phantsi kuthetha ukutshintsha indlela yokuphila, kwaye abanye abantu abanqabile ukutshintsha. Kukho intuthuzelo ethile efunyenwe ngokuhlala kunye nolwazi oluqhelekileyo.
Ixesha leMarike
Umngcipheko wezemali wokunciphisa, kungakhathaliseki ukuba iyimakethi ebushushu, ebandayo okanye engathathi hlangothi, yenza umlinganiselo omncinci ngokubanzi. Kodwa omnye unokuthi ukunciphisa intengiso kumthengisi kuya kunika umninikhaya imali ngaphezulu emva kokuvala. Nangona kunjalo, urhwebo-mali lungaba xabiso eliphezulu lokuthengisa kwikhaya elincinci.
Ngokomzekelo, zithi kumakethi angathathi hlangothi ukuba ikhaya elikhoyo lixabisa i-$ 500,000, elihlanganiswe ne-200,000 yemali. Ukungabali iindleko zokuvala , ezinokubandakanya iintlawulo zekhomishina kunye neetayitile, intlawulo yemali iya kuba yi-$ 300,000. Makhe sicinge ukuba umthengisi angathengisa ikhaya elincinci kwi-$ 250,000, ubeke i-$ 50,000 epokothini.
Nangona kuthengiswa kwemarike, nangona kunjalo, kwaye amaxabiso aye ahlahlela i-10%, umzekelo, ikhaya elikhoyo le-500K lingase lifanele u-$ 555,000. Kuthetha ukuba indlu encinci ye-250K yasekhaya ingathengwa nge-$ 278,000 ngemali, okubangele imali engama-77,000 ekhoyo.
Ukuba kuthengiswa kweemarike, zithi, kwaye amaxabiso awele phantsi kwe-10%, ngoko ikhaya elikhoyo lingakubiza i-$ 450,000. Indlu encinci ye-250K yekhaya yayiza kuhlawulelwa kwi-225,000 yezigidi, okubangelwa imali engama-25,000 emali ukufaka ibhanki.
Eyona nto ihamba phambili kwiihlabathi zomhlaba zombini iya kuba kukuthengisa kwiimarike zathengisi kwaye uthenge kwenye indawo kwiimakethi yomthengi.
Ngandlela-thile, umthengisi unokugqiba ukuba abe nekhaya elincinci-elicacileyo-elicacileyo, ngoko-ke, thabatha ukhetho lwakho lweemarike. Qaphela, ke, ukuba awukwazi ukuhamba ngexesha lemarike .
Thenga okanye uthengisa kuqala?
Abathengisi bahlala bebuza ukuba ngaba badinga i- agents ezimbini zokuthenga nokuthengisa . Okokuqala, qwalasela ukuthengisa okufana noko kunye nexabiso lakho lasekhaya . Ngaba kulula ukuyisebenzisa? Okwesibini, ikhona kwindawo yokuhlala apho amanxusa angaphandle kwindawo ekhutshwe ngabameli beendawo? Akufanele kwenzeke, kodwa kunjalo. Kodwa ukuba ikhaya lakho lilula kumanani, kwaye i-ejenti inomnxeba kuloo mmandla, akubalulekanga ukuba yiphi i-ejenti ekhoyo. Maxa wambi ama-arhente aya kuxoxisana nekhomishana ukuba baphatha ukuthengiselana ezimbini.
Ngaba kufuneka uthengise kuqala uze uthenge , okanye uthenge kuqala uze uthengise ? Ngokuqhelekileyo, kungcono ukuthengisa ikhaya lakho elikhona ngaphambi kokuthenga ikhaya elitsha . Isizathu sigcina iimvakalelo zakho. Kodwa ezinye iimarike ziya kululela ukuba kungcono ukuthenga ngaphambi kokuba uthengise. Xoxa ngeli qhinga kunye ne- arhente yakho yezindlu .