Izinketho ezisixhenxe kwiNtengiso yaseKhaya
Mhlawumbi i-arhente yakho ngoku ibeka uluhlu oluphelelwe yisikhathi ? Kungenzeka ukuba uye wangcwatyelwa umfanekiso kaSt. Joseph kwiredi lakho, kwaye oko akuzange kube neyiphi na inikezelo, nokuba.
Yintoni ongayenza xa kucacile ukuba ikhaya lakho alithengisi ? Yintoni oyenzayo ngekhaya abathengi abafuniyo?
Ikhetho 1) Ixesha lokuThengisa kwaseKhaya
Ingaba ngaba ngaba kungekhona ixesha lokuthengisa? Ukuba ngumthengi weemarike , mhlawumbi kufuneka uthabathe ikhaya lakho emakethi kwaye ulinde ukuhlaziywa kwempahla. Xa kukho izindlu ezimbalwa umthengi angakhetha kuzo, ikhaya lakho lingafakwa.
- Ukuthengisa ngexesha leeholide kunzima kakhulu kuba abathengi banokulindela i-bargains. Unokulahlekelwa yimali xa uzama ukuxoxisana ngexesha loxinzelelo lweeholide.
- Ukuthengisa ebusika kunzima kunokuba kukho iinyanga ezifudumele kuba kukho abathengi abancinci. Oku kudla ixesha elihle lokuthengisa ikhaya elixhalabileyo ngokuthelekisa.
- Ukuba unako ukulinda, ukuthengisa entwasahlobo kunokuzisa isiphumo ngenxa yokuba inyanga zentsasa zizisa abathengi abaninzi kwiindawo zokuthengisa. Kodwa ukuba zonke ezinye iindawo zingcono kuneyakho, ukulinda kuze kube yintsasa ngeke kuncede.
Inketho yesi-2) Thatha i-Mortgage entsha
Ukuba umfuno wakho wokuthengisa uthembele kwiimfuno zezemali, kungenza kube nengqiqo ukuthabatha imali mboleko yemali , ukubonelela ukuba unakho ukuhlawula imali ephezulu ngenyanga. Ukuba umboleko wakho okhoyo uhlawulelo lwemali mboleko , kwaye inzala ephezulu ephakanyisiweyo iphakanyise inkokhelo yakho kwindlela ongenakukwazi ukuyihlawula ngayo, unokukwazi ukuphinde uphinde uxoxe ngesicwangciso sokuguqulwa kwemboleko kunye nomboleki wakho okanye uguqule ukuba i-ARM ibe umyinge we-mortgage rate kwi- interest rate ephantsi .
Ngaphambi kokuba unqume ukuboleka imali eminye, ngokuhlaziywa kwemali-mboleko yakho ekhoyo okanye ngokuthatha imali yesibini yokuthenga imali , kuqala udibana nomcebisi othembekileyo ukuba uxoxe ngeemeko zakho zemali. Musa ukuthetha nanoma yimuphi uchwepheshe wezobugcisa onomdla onomdla kwimicimbi yakho. Thetha kunye nomthengisi weerhafu okanye ummeli wakho wezezindlu .
Inketho 3) Ukuhlawula ikhaya lakho
Abanye abathengisi basekhaya abanakho ukhetho. Ngezizathu ezahlukeneyo, ukususela kumathuba okunyuswa komsebenzi kwimiba enxulumene neentsapho, umthengisi wekhaya unokunyanzeliswa ukuba atshintshele kwindawo entsha kwaye ashiye ikhaya elikhoyo.
Nangona ungeke ukwazi ukufumana inkokhelo eyaneleyo yokufihla iintlawulo zakho zokubolekwa kwemali , ukuhlawula imali encinci yokuhamba kwemali rhoqo ngenyanga kungase kube lula kwi-pocketbook kunokuba uhlasele amawaka eedola kwizindlu ezingenamntu.
Abanye abathengisi benza ukubulala nge-AirBnB. Ukuba unako ukuqeshisa ikhaya ngokubanzi ngobusuku, khawuqwalasele.
Nazi iingcebiso ezimbalwa malunga nokuqasha:
- Qaphela ukuba iinkqubo ezininzi ze- inshorensi yokuhlala ekhaya azifihla indlu engenamntu iintsuku ezili-30; Nangona kunjalo, unokufuna ukuthetha ne-inshente ye-inshurensi malunga nokutshintsha umgaqo-nkqubo ukuqinisekisa kuphela isakhiwo ngaphandle kokuqukethwe.
Ezinye ii-HOA ziyakwenqabela ukuqesha okanye ukunciphisa uhlobo lwexesha lokuqeshisa onokuthetha ngalo.
- Ukuqesha inkampani ephethe indawo yokuphatha i-real estate ukucwangcisa abaqeshi kunye nokuqesha abahwebi ukuba ukulungiswa kuyimfuneko. Awufuni phakathi kweeveki zobusuku ezivela kubaqeshi ukuba ufikelele ngasese.
- Buza abamelwane ukuba bagcine iso lakho kwindlu kwaye bakuxelele ukuba bayayikrokra iingxaki. Banike idilesi yakho ye-imeyile okanye inombolo yefowuni yokufowuna xa kwenzeka imeko engxamisekileyo. Bakhuthaze ukuba babize amapolisa baze babike umsebenzi osolisayo.
Ikhetho 4) Cinga ukuthengiswa okufutshane
Ukuba uthenge ikhaya lakho ngaphambi kokuba imarike ihlawule kwaye i-marhwebo isuka ku-tanked, kungenzeka ukuba unetyala elingaphezu kwekhaya lakho elifanelekileyo. I- agent ye-estate estate ejongene nokuthengisa okufutshane kunokukwazi ukuxoxisana nomboleki wakho ukuba amkele ngaphantsi kwe-balance balance mortgage yakho. Ngaphambi kokuba ucinge ukwenza ukuthengiswa okufutshane , nakhu izinto ezimbalwa omele uzi:
- Xoxa ngeengcamango kunye negqwetha le-real estate ukuqinisekisa ukuba uyayiqonda imiphumo. Ngaphezu koko, akuwona wonke umthengisi ofanelekileyo ukuthengiswa okufutshane , kwaye akusiwo wonke umboleki uya kwamkela ukuthengisa okufutshane .
- Qaphela ukuba ukuthengisa okufutshane kukuchaphazela i-credit , kwaye ukukhulula ukulandelwa kwangaphambili kwirekhodi yakho kunokukunqanda ukuthenga elinye ikhaya ixesha elide.
- Unokuhlawulwa kweerhafu ze- IRS kwintengiso emfutshane . Unokufumana i-1099 kumntu obolekisiweyo ngenani lokuxolelwa ngamatyala, kodwa oko kuthathwa njengomgaqo-nkqubo oqhelekileyo. Thetha nomgcini-akhawunti wakho malunga nalo. Akunakuba yinto.
Inketho yesi-5) Ukunikezela ngekhaya lakho kwiKhokhelo yokuHlala
Unokuthetha ne-arhente yakho yendawo yokuhlala malunga nokwenza ukuthenga okukhethiweyo ngokuchanekileyo ngokuthengisa ngokuthe ngqo. Izinketho zokuqeshisa zikhangisa kubbolekayo, ngenxa yezizathu ezahlukahlukeneyo, abanako ukufumana indlu ngokuthenga imali ngokuqhelekileyo. Mhlawumbi abanako ukugqiba isigqibo sokuba bathenge okanye baqeshise . Qinisekisa ukuba igqwetha lakho lihlolisisa onke amaxwebhu phambi kokuba uvumele ukhetho lokuqeshisa .
- Izinketho zokuqeshisa unike umqeshi ithuba lokuba uthenge kamva ikhaya lakho ngexabiso elinqunywe ngaphambili. Kuba ngumqashi onesicingo ngokuthenga ikhaya , ubenza bahlale apho begqiba ukuba bathenge.
- Ngokuqhelekileyo, iintlawulo zokukhethwa kweendlela zokuqeshisa ziphezulu kuneentlawulo zokuqeshisa rhoqo, ezinokuphelisa ukungena kwemali embi.
- Umqashi onesigxina ekhaya angathatha ukunakekelwa okungcono kwekhaya, kwaye ngamanye amaxesha aqeshe izivumelwano zokukhetha ukwenza umqeshi abe noxanduva lokulungisa konke.
Inketho 6) Cela umqeshi wakho malunga nokufuduswa
Ukuba umqeshi wakho uyakudlulisela ngaphandle kwedolophu, unokubuza malunga nenkqubo yokuthenga eqinisekileyo. Abaqeshi abaninzi baqesha iinkampani zokufudukela ezithengisa abasebenzi. Unokuba ungazi nokuba umqeshi wakho unenkqubo yokufuduswa ukuba awuceli. Oku kungabi semali kuwe.
Inketho yesi-7) Yehlisa ixabiso phantsi kwexabiso leMarike
Olu khetho lusetyenziselwa njengeSithuthi sokuThengisa ngexabiso lokuthengisa ngokuthengisa. Kuthetha ukuba unciphisa intengo kwixabiso eliphantsi kwelala elikhangayo kubathengi bemali kunye nabathengi bemali abahlala bezingela. Nayiphi na into eya kuthengiswa ngexabiso elifanelekileyo. Fumana ukuba yiyiphi intlawulo elungileyo ngokuyitshitshisa kwaye uqikelele ukuba unokuhlala neziphumo. Ngamanye amaxesha izibonelelo zingaphezu kwezinto ezimbi.
Kwaye rhoqo, esi sicwangciso siza kubangela ukunikezelwa kwamanani amaninzi. Wonke umntu ufuna oko omnye umntu akufunayo. Nokuba ikhaya ongeke ukwazi ukuthengisa ngaphambili.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.