Iindlela ezili-12 zokufumana i-Pay Down
Namhlanje, inkokhelo ephantsi efunwa yi-20%; Nangona kunjalo, bambalwa abantu abanemali eninzi ekhoyo kubo. Imali-mboleko ye-FHA , umzekelo, ifuna kuphela 3.5% phantsi.
Kodwa inyaniso isala ukuba xa umthengi ehla, i-down the mortgage. Izilinganiso eziphantsi kwee- mortgage zithwala iintlawulo eziphantsi.
Nazi iindlela ezili-12 zokufumana loo ntlawulo ephantsi.
Gcina iRhafu yakho yeRhafu
Ukuba kunzima ukuba ulondoloze, unokutshintsha ukukhutshwa kwakho kokuthintela kwi-1 ukuya kutsho. Oku kuya kunyanzela umqeshi wakho ukuba akhokhe ngaphezulu kwi-IRS kwaye unciphise i-paycheck yakho ngeli nani. Ukusetyenziswa kwemali-ntlawulo kunye nabangenalo mgaqo-nkqubo, le ndlela iqinisekisa ukubuyiswa kwentlawulo yerhafu yengeniso . Nangona umvuzo wokufumana ingeniso rhoqo, nangona kunjalo, unokuthi ukwanele ukunceda uthenge ikhaya .
Borrow From Parents
Akuqhelekanga ukucela abazali bakho ngemali kukunceda uthenge ikhaya. Imithetho yentlawulo ekhethiweyo iya kuvumela isipho ngasinye somzali isixa esithile ngaphandle kwemiphumo yerhafu (khangela ngeCPA yakho).
Ukuba ngaba abazali bakho abanakukunika imali, mhlawumbi unokucela imali ekhuselekile kwaye uyihlawule ngentlawulo engcono kunokuba abazali bakho bafumane ibhanki okanye kwi-akhawunti yemarike yemali?
Izinga ohlawulayo liza kuba liphantsi kwezinga eliphakamileyo kwiziko lakho lokubolekisa, okwenza liphumelele-liphumelele kuwo wonke umntu.
I-Sock Away X Inani Ngexesha
Imfihlo yokwenza i- akhawunti yokulondoloza ikhula kukukwenza iifomethi ezifanayo ngexesha elifanayo nyanga zonke. Umzekelo, ukuba uyahlawulwa rhoqo kwiiveki ezimbini kwaye ugcine i-$ 200 kuyo yonke i-paycheck, ekupheleni kweenyanga ezili-12, uza kugcina ngaphezulu kwama-5,200 ayi-$ 200, ngaphandle kwemfuno.
Thengisa i-Stuff kwi-eBay okanye Gcina i-Garage Sale
Wonke umntu unezinto ezininzi. Andizange ndidibane nomntu ongenalo. Abanye abantu basebenzisa amawaka ngamawaka kwiinqununu zokugcina apho ezi zinto zithe gqwa. Khangela kwi-attic yakho, phantsi kwakho, phantsi kombhede wakho nakwiindawo zakho zokuvala izinto ongasayisebenzisi. Ukuba awuzange uyisebenzise ngonyaka, yithengise kwigaraji lokuthengisa, ulibeke kwi-List yeCraig okanye usethe i-akhawunti ye-eBay uze uyilahle.
Cela uMthengisi ukuba anike lona
Hayi, awukwazi. Ukuba uhlawula intengiso yomthengisi , uya kumangaliswa koko abanye abathengisi abakwenzela khona. Abanye babo baya kukunika inkokhelo ephantsi njengetyala okanye uhlawule iindleko zakho zokuvala okanye zombini. Hlola kunye nomboleki wakho ngaphambi kokucela ikhredithi kuba ababoleki banemfuno enzulu malunga nokuba ungayifumana kangakanani. Inkqubo kaNehemiya, umzekelo, isetyenziselwe ukuvumela ukufikelela kuma-6% njengetyala kwi-seller; Nangona le nkqubo ayisekho, iiprogram ezifanayo ziyahluka ukusuka kwisixeko ukuya kwisixeko.
Ukubeka i-Lawsuits Fast
Ukusuka ekuziphatheni ngokuzilimaza kwimeko yokuzimela, ukulibaziseka nje kwenza ukuba amagosa angaphezulu kwemali, ngaphandle kwexabiso lokuba ixesha lexabiso lemali linciphisa njengoko ikhefu likhawuleza. Siphila kwingingqi ephikisayo apho ingozi yemoto echaphazelekayo echaphazela umonakalo omncinci ogqityiweyo iphelela ekufakwe enkundleni.
Hlela ngokukhawuleza ityala kwaye usebenzise loo mvuzo ukukunceda uthenge indlu.
Hlola iinkqubo zikaRhulumente
Ukuba uye wakhonza ilizwe lakho kwiimpi ezixhobileyo, unakho ukufumana imvume yokubolekwa ngemali ngu-Veterans Administration, eyaziwa njenge-VA mboleko. Urhulumente uphinde usebenze ukuhlaselwa kweenkqubo zokuncedisa intlawulo kubathengi basekhaya bokuqala. Kwakhona, jonga kwi-county yakho ukuba ubone ukuba ngaba inikezela iinkqubo ezizodwa zokunyusa ubunikazi basekhaya kwiindawo ezithile.
Thatha uYobhi we sibini
Abanye abaqeshisi baya kubingelela ubusuku ukuba basebenze ixesha lesibini emsebenzini. Ukuba kuyimeko emfutshane, mhlawumbi kungabi nzima ukwenza. Kwakhona kungaba ngumsebenzi wexesha elifana no-Thanksgiving ukuya kwiKrisimesi okanye umsebenzi wokhethekileyo malunga nexesha lentela entwasahlobo.
Cela ukuphakanyiswa
Hlala phantsi omnye ubusuku kwaye ubhale uluhlu lwezinto zonke ozenzileyo kunyaka odlulileyo owenze imali yakho yenkampani okanye ngandlela-thile ukwandisa umgca wayo.
Bhala uluhlu olupheleleyo. Emva koko thabathe uluhlu kumphathi wakho uze ucele ukuphakanyiswa. Cela okungakumbi kunokuba ucinga ukuba uya kufumana. Awunakukwazi ukuba ungayifumana.
Yenza ngcono ukuhlawula uYobhi
Ngaphandle nje kokuba intsimi yakho yengqesho ihlala yinto efanayo, ukuthatha umsebenzi ohlukile akufanele kuthintele isicelo sakho sokuthenga imali. Mhlawumbi lixesha lokukhangela umsebenzi kwenye indawo eya kuhlawula ngaphezulu. Hlola ngeofisi yakho yengqesho, uthungelwano kunye noontanga kwaye uthumele iikhompyutheni kwiinkampani apho ufuna ukusebenzela khona, kungakhathaliseki ukuba ikhangisa isikhundla.
Thepha iNgxowa-mali yakho yomhlalaphantsi
Iingxelo ezithile zokuthatha umhlala-phantsi ziya kukuvumela ukuba ubolekelwe kubo ukuthenga ikhaya. Hlola ngeCPA yakho kwimimiselo yangoku. Ezinye iindidi zeemfuno ze-akhawunti ziya kukuvumela ukuba uthabathe ibhalansi yintloko ngaphandle kwesihlwayo.
Cinga nge-100% Inkxaso
Ukuba unetyala elihle kakhulu, unako ukufumana umboleko we-100%, unikezela uluntu lwakho lunikela ezi nkqubo ezizodwa zokuthenga ekhaya . Le nto ingaba yinto ehlawulweyo yokubolekwa ngemali nge- inshurensi yokubolekwa ngemali , okanye unokufumana ilungelo lokuthenga imali yesibini , ngenxa yokuba uthengisa. Xoxa nomthengi wakho wemboleko ukuze ubone ukuba yeyiphi iprogram enokufumaneka kuyo.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.