I-Percent Rule of Thumb
Omnye umgaqo othandwayo wesohlwayo uthi enye yepesenti yentengo yexabiso lakho lekhaya kufuneka ibekelwe bucala ngamnye ngonyaka ukwenzela ukugcinwa okuqhubekayo. Ngokomzekelo, ukuba ikhaya lakho libiza i-$ 300,000, kufuneka uhlahlole i-$ 3,000 ngonyaka ukwenzela ulondolozo .
Oko akuthethi uya kuchitha i-$ 3,000 ngonyaka. Kuthetha nje ukuba, ngokuqhelekileyo, ngaphezu kwexesha elide (iminyaka eli-10 okanye ngaphezulu), uza kuchitha i-$ 3,000 ngonyaka, ngokubhekiselele kulo mgaqo wesithupha. Kweminye iminyaka uya kuchitha ngaphezulu; Utshintsho lwephahla , umzekelo, lunokubiza i-$ 6,000 ukuya kwii-10 000 okanye ngaphezulu. Enye iminyaka, uya kuchitha ngaphantsi.
Ngokuqinisekileyo, lo mgaqo othandwayo wesithupha unomda. Ixesha lakho lemarike alichaphazeli uhlahlo lwabiwo-mali. Ukuba kwenzeka ukuba uthenge ikhaya lakho kwinqanaba lebhola lezindlu, iindleko zakho zokugcina aziyi kubakho. Ngokufanayo, ukuba uthenge ikhaya lakho kwisaphulelo esiphezulu phantsi kweemarike zezindlu, uhlahlo lwabiwo-mali lwesabelomali akufanele luchaphazeleke.
Ixabiso eliphantsi lekhaya lakho kunye neendleko zalo zokulungisa, ngamanye amazwi, ziguqukileyo ezizimeleyo. Zidibanisa kuphela njengoko zithintela zombini iindleko zabasebenzi kunye nezinto ezikuloo ndawo.
I-Square Foot Rule of Thumb
Olunye umthetho wesitopu uthi ufanele uhlahloye i-$ 1 nganye ngenyawo wesikwere ngamnye ngonyaka ukwenzela ukuba ulondolozo kunye neendleko zokulungisa.
Ukuba unayo ikhaya le-2,000-square-foot, umzekelo, uhlahlo lwabiwo-mali lwama-$ 2,000 ngonyaka ukwenzela ukugcinwa nokulungiswa (kwakhona, ngaphezu kwexesha elide eliqhelekileyo ngonyaka ).
Lo myalelo wesithupha unomqondo ogqithiseleyo kunomgaqo oyi-1 wamaphesenti kuba uhambelana ngqo nobukhulu bekhaya. Unyawo olungaphezulu kweenyawo olawulayo, okuza kufuneka uchithe. Nangona kunjalo, omnye umda kulo mgaqo kukuba awukuziphendulela kwiindleko zabasebenzi kunye nezinto eziphathekayo kwindawo yakho. Amanani ekrhwetyi ukwenzela iikontraki, abasebenzi kunye nezinto zokwakha zingahluka ngokubanzi ukusuka kummandla ukuya kummandla.
Ezinye izinto ezifunekayo
Nangona imithetho yesithupha ingakunika ibhajethi ye-ballpark yeendleko zokugcina zonyaka, abayiqwalasela ikhaya ngokwabo okanye iimozulu ehlala kuyo. Kukho izinto ezininzi ezongezelelweyo ezinempembelelo kwiindleko zokugcinwa kunye nokulungiswa ethile indlu.
Ubudala
Ubudala bepropati bunokudlala indima enkulu. Ikhaya elitsha elakhiweyo kwiminyaka emi-5 ukuya kwe-10 edlulileyo liya kufuna uncedo oluncinci, ngelixa amakhaya angama-10 ukuya kwimi-20 ubudala afuna i-little more. Xa ikhaya libuyele kwi-20 okanye kwi-30, kukho ithuba elihle lokuba izinto ezinkulu, ezifana nophahla, zingadinga ukutshintshwa.
Mozulu
Amakhaya kwiindawo ezichaphazelekayo ngamaqondo okushisa, imvula yamanzi, okanye ikhefu elinzima liphantsi koxinzelelo oluninzi kunezindlu ezingabandakanywa yimimoya ebanda.
Ngokufanayo, amakhaya kwiindawo apho i-termites, imimoya ephakamileyo, imvula enkulu, kunye nezinye iinkalo zezulu ezibi kakhulu okanye ama-infest infest experience experience more wear and tear.
Isimo
Amanye amakhaya aneminyaka engama-100 ubudala kodwa esesimweni esifanelekileyo, ngenxa yezizukulwana zangaphambili ezisebenzisayo ukugcinwa ngononophelo. Amanye amakhaya, nangona kunjalo, ayenganyanzelwanga kwaye ahlanjululwa ngokukhawuleza kule minyaka. Umdala ekhaya, impembelelo enkulu yomninimzi wangaphambili (okanye ukungabikho kwayo) iya kuba nefuthe kwiimfuno zokugcina ekhaya.
Indawo
Izindlu eziphantsi kweentaba (apho amanzi aphuma khona kwaye aqokelela), kwindawo yokukhukula, okanye kwezinye iindawo ezidala uxinzelelo lwengqongqo ziya kuchaphazela umlinganiselo wokunyamekela kunye nokulondolozwa okufunekayo.
Ulwalamano ongatshatanga kunye noxhaswe
Ikhaya elilodwa lentsapho lifuna isabelomali esikhulu sokongamela kuba kufuneka ubeke uphahla lwakho, ugxobhozo, kunye nemigodi kunye nokugcina indawo.
I- condo okanye idolophini ayiyi kuyidinga njengento ephezulu yebhajethi yesondlo kuba ulungiso lwangaphandle lufakwe kwi-HOA intlawulo (nangona ii-HOA zingadinga iintlawulo ezongezelelweyo kwiiprojekthi ezithile zokulondoloza).
Ukucwangcisa kakuhle Ukubala kwakho
Ekubeni akukho mhlaba wonke wokulawula isalathisi esilawula ukuba kufuneka ubeke phi bucala ukulungiswa kwendlu kunye nokulungiswa-kwaye izinto ezinjengezulu kunye neendawo zendawo zingabangela izinto ezibalulekileyo-kunengqiqo ukuthatha indlela epheleleyo yokuqikelela iindleko zokugcinwa kwekhaya:
Okokuqala, thabatha umyinge we-1 Percent rule kunye ne-Square Foot Rule. Ukuba i-1 ekhulwini yexabiso lakho lokuthenga lilingana ne-$ 3,000, kwaye umlawuli wenyawo wesikwele ulingana ne-$ 2,000, ngoko umyinge wakho u-$ 2,500.
Okulandelayo, faka iipesenti ezili-10 nganye kwinkalo (imozulu, imeko, yobudala, indawo, uhlobo) oluchaphazela kakubi ikhaya lakho. Ukuba unekhaya elidala, kwindawo yokukhukula, kwindawo efumana amaqondo okushisa amaqondo okushisa, ukwandisa inani elipheleleyo ngama-30 ekhulwini: i-$ 2,500 x 1.3 = $ 3,250 (okanye i-$ 270.83 ngenyanga).
Ukongeza iindleko zokuSebenza
Abanye abaninikhaya banqwenela uhlahlo lwabiwo-mali lweendleko zokusebenza eziqhubekayo kunye neendleko zokulungisa nokulungisa. Ezi ndleko ziyahlukahluka ngamaxesha, ngoko kulula kakhulu ukusebenzisa iindleko zonyaka zemali ezi zinto zongeziweyo:
- Umbane: $ 1,368 ngonyaka / $ 114 ngenyanga
- I-Gesi: i-$ 984 ngonyaka / i-$ 82 ngenyanga
- Amanzi: $ 480- $ 780 ngonyaka / i-$ 40- $ 65 ngenyanga
- Inkonzo yedoti: i-$ 240 ngonyaka / i-$ 20 ngenyanga
- Ukutya: i-$ 204 ngonyaka / i-$ 17 ngenyanga
- Ukunyuswa kwe-Snow / ukunakekelwa kwe-Lawn: $ 1,560 ngonyaka / i-$ 130 ngenyanga