Ufuna ukufumana ikhaya kodwa ungaqinisekanga ngeendleko zinyani? Uninzi lwabantu lubangelwa kwi-mortgage home, ukuhlawula, ukuhlaziywa kweendleko, kodwa ukulibala into ebalulekileyo: indleko yokugcinwa kwekhaya.
Ngoko ke ubuninzi bunjani ukugcinwa kwezindlu? Ngokutsho kwiphando lwakutshanje, kuninzi kunokuba ucinga. Kwaye asikho nje ukuthetha malunga nokulungiswa okuyimfuneko, njengokulungisa indlu yangasese ephumayo okanye ukuthatha indawo yefestile ephukileyo; kunoko, ezo ndleko ezifihliweyo zokuba nekhaya elininzi abantu abangazigqaliyo.
Ngezantsi, indlela amanani ahla ngayo, yintoni onokuyilindela kwiindleko ezingalindelekanga ezinxulumene nokugcinwa kwekhaya, nendlela yokuhlawulela ngayo imali.
Amanani
Ngokutsho kwephononongo olusandul 'u kusuka kwiBhangerate, umninimzi wasekhaya wase-US uchitha i-$ 2,000 ngonyaka ngonyaka kwiindleko zokondliwa kwekhaya. Le mali isetyenziswe kwiinkonzo ezifana nokuhlaziywa komhlaba, ukugcinwa kwezindlu, iinkonzo zesebe, ii-HOA, iindleko zangasese kunye neendleko zokuphinda zibuyele, kunye neenkqubo zokukhusela ekhaya. Enyanisweni, uphando lubone ukuba amaphesenti angama-63 abo bonke abanikazi bezindlu baqeshe ubuchwepheshe ubuncinane inkonzo enye ephindaphindiweyo, ngelixa iipesenti ezingama-35 ziqeshe ezimbini okanye ngaphezulu.
Ngokomyinge, abanini bezindlu bahlawula i-$ 285 ngonyaka ngeenkonzo zokugcina indlu, i-$ 210 yee-HOA iimali, i-$ 130 zeenkqubo zokukhusela ekhaya, kunye ne-$ 123 yokunakekelwa kwezilwanyana. Ezinye iindleko zokugcinwa zonyaka ziquka ukunqandwa kwekhephu, iinkonzo ze-septic, kunye nedoti yangasese okanye ukuqokelela kwakhona, konke okubhaliweyo ngaphantsi kwe-$ 100 ngonyaka.
Kodwa njengokuba uyazi, xa kuza uhlahlo lwabiwo-mali, yonke into encinci iyongezelela.
Olunye uphando oluthatyayo lufumanisa Abanikazi bezindlu abadala bafumana, kunye nemali engaphezulu, bafuna ukuyeka imali kule nkonzo.
Lungela
Ngaba unedatha kwindawo yakho? Emva koko iindleko zokuvota zonyaka kunye nokuvula i-oasis yakho yasehlotyeni ayilumanga ngalunye ngonyaka.
Kuyafana nokuwa komhlaba / ukusabalalisa komhlaba, ukukhawuleza indlu yakho, kunye nomhla ofunekayo weemali ze- HOA . Ngenye indlela, gcinani engqondweni ukuba ukuhlawula phambili kwezinye iinkonzo ezinokuzikhethela kungakugcina imali ngexesha elide. Ngokomzekelo, ukuhlawula inkqubo yokhuseleko ekhaya kuya kunokusindisa imali nge- inshorensi yakho yasekhaya , ungathethi ukunika uxolo kwengqondo.
Ukuqhubeka kwangaphambili uyazi malunga neendleko ezifihliweyo, ngokukhawuleza ungaqalisa uhlahlo lwabiwo-mali. Zama ukubeka eceleni inani elithile lemali nganye ngenyanga ukuze uhlawule ezo ndleko, ngaloo ndlela, xa zijikeleza, ukutshitshiswa kwe-sticker kuya kuba mncinane.
Ukuhlawula iBhajethi yakho
Xa kuziwa ekusebenzeni ezi zindleko zokugcina uhlahlo lwabiwo-mali, ukulungiswa kukubalulekileyo-ngokukhawuleza ongayilungisa xa ezi ntlawulo ziza kutshintsha. Ngoko cwangcisa phambili. Yenza imihla efanelekileyo okanye iifowuni zeenkonzo ezilindelekileyo kwikhalenda yakho. Bala oko ukulindele ukuba uhlalutye ngenyanga ngenyanga kwezi nkonzo uze ubeke eceleni loo mali ngokufanelekileyo. Ukuba uchitha isamba semali, iindleko zakho ezilindeleke ngenyanga ziza kuba yi-$ 166 ngenyanga (i-$ 2,000 / 12 = $ 166).
Ukuba awunayo imali eyongezelelweyo yokukhupha i-shell, cinga ukubeka eceleni inxalenye yentlawulo yakho yentela okanye nayiphi ibhonasi yemali onokuyifumana ngomsebenzi.
Ukuba usunamathele, cinga ukusika imali yakho yokuqonda okanye ukungena kwimali engenayo engenayo ukuze uncede wenze umehluko. Into yokugqibela oyifunayo kukuba ibhekane ne-bill yesondlo ezayo kwaye akukho ndlela yokuyihlawula.
Ukuba ezi zindleko ezongezelelweyo zibeka uxinzelelo kwiimeko zakho zengqondo kunye nebhajethi yakho, qwa lasela iindleko zemali zokuthenga ikhaya: ukuxabisa, ukuchithwa kwemithwalo yempahla, ukuncitshiswa kweerhafu zomhlaba, kunye nokufumana inzuzo enkulu. Yaye khumbula: ukuthenga ikhaya kukutyalomali.
Ezinye Iingcebiso
- Nangona ezi zindleko zokulondoloza ngokuzikhethela kubanikazi bezindlu ezimalunga nama-$ 2,000 ngonyaka, gcinani engqondweni kwintengo yexabiso leminye, iindleko zokulondoloza ezingenakunqununu ezifana nokulawulwa kwezinambuzane, ukulungiswa, kunye neenkonzo .
- Ezinye iindleko zokuqwalasela zizinto ozifunayo ukuzithenga emva kokuthenga ikhaya . Umatshini wokutshiza, ukubonelela ngegadi, izixhobo, izixhobo zokususa ikhephu, kunye neyeza zonyango zonke izinto oza kuthenga ngazo ngunyaka wokuqala okanye ezimbini zobunikazi bezindlu.
- Unokuqwalasela ukuthenga iwaranti yesikolo kunye nekhaya lakho, elinokufihla izinto ezifana nezixhobo eziphukileyo, izixhobo zomoya, ii-air conditioners, kunye nophahla lwasekhaya. Unokwazi ukuxoxisana neendleko zewaranti yasekhaya xa uthenge indlu evela kumthengisi, onokusindisa phakathi kwama-$ 300- $ 500.