Kutheni Kuthatyathwa Abafazi Abangabodwa Bokuqala Ukuba Bathengi Basekhaya?

Yintoni Abathengi Bokuqala BangeTyhini Abafuna Ngayo?

Inombolo yokurekhoda yabasetyhini abangabodwa bayakuba ngabathengi basekhaya bokuqala. Ukuba unomfazi ongatshatanga ofuna ukuthenga indlu , iindaba ezilungileyo kukuthengiswa . Izibalo ezisuka kwiZiko elihlangeneyo leZindlu zeZindlu zithi:

• Abathengi abangaphezu kweyodwa kwabahlanu kwikhaya elilodwa.
• Abafazi abaninzi abangatshatanga baninzi ukuthenga amakhaya kunamadoda angatshatanga.
• Abasetyhini abangabodwa bakha ngaphezulu kweyesithathu kwenyalo yobunikazi be-estate kusukela ngo-1994.

Izizathu eziphezulu ezi-3 ezingatshatanga / abafazi abangatshatanga Bathenga ikhaya

1. Umnqweno onamandla wokwenza ikhaya lakhe.
2. Ufuna indawo engakumbi okanye ufuna indlu encinci.
3. Ukufudukela kude nomsebenzi, isikolo okanye intsapho.

Iindaba eziNene NgeeNkwenkwezi zokuThatyathwa kwexesha eliQalayo abathengisa izindlu zangempela

Abathengi basekhaya abafazi abangabodwa bayangena ubukhulu bonke, imilo kunye nobudala. Baqhawule umtshato, abangazange batshate, bahlukane, bahlukane; abanye banabantwana, abanye bahlala nabahlobo okanye amaqabane kwaye abaninzi bahlala bodwa.

Namabali amathathu athetha umdlalo wokuqala wexesha lokuthengwa kwabasetyhini abafazi, kunye namagama ashintshileyo, ngokuqinisekileyo.

I-Sharon: Eyokuqala-40, Akazange Atshatile, UmNesi

USharon wayehlala emagqabini kwaye wayefuna ukunyuka esixekweni ukuba abe kufuphi nomsebenzi. Wayengayazi naziphi na izithili zasezidolophini kodwa wayenoluhlu olucacileyo lwento ayifunayo ekhaya:

• Amagumbi amabini okanye ngaphezulu
• Phantse i $ 300,000
• Akukho mpahla
• Inkundla enkulu ngaphandle kwefowuni okanye ngaphezulu kweefowuni
• Igalaji ezimbini

Sahamba emakhaya asibhozo ngoMgqibelo. Wayefuna "ukucinga" ngesigqibo sakhe.

Ndambiza ngeCawa. Wayefuna ukuthenga enye yamakhaya esiwabonayo kodwa "akazange azive ekulungele." NgoMvulo wathengiswa.

NgoLwesithathu, ukunciphisa intengo kuqhutywe kwi- MLS kwaye senza umnikelo ngaloo mva. Yayinakho konke ayifunayo ngaphandle kokuba yayibiza kakhulu, kwaye yayineencingo eziphezulu. Kamva, wambiza unina ukuba amxelele iindaba ezilungileyo, ukuba wathenga ikhaya i-$ 335,000.

Waphenduka abazali bakhe bathenge ikhaya labo lokuqala kwisitalato esinye, iingcango ezimbini, malunga neminyaka engama-50 edlulileyo! Kwenzeka njani ukuba kwenzeke ngokungathandabuzekiyo?

UPaula: Ixesha elide-20, uMama otshatyalalweyo, uMsebenzi weSizwe

Phantse umnyaka, uPaula wayefumana i-imeyile ye-imeyile evela kum ine ehambelana neerameters. Wa yefuna:

• Ikhaya elinye lentsapho.
• Ixabiso elingaphantsi kwe $ 200,000.
• Vala ukuya kwidolophu.

Wabiza ngeCawa waza wacela ukuba abone uludwe olutsha kwiNational Street. Kwakuyimpumelelo kuye kwaye iphantsi komhlaba. Ndakhawuleza ndilandelelisa i-arhente yoluhlu kwaye ndamfumana kwisikhumulo sezindiza eHawaii, ebuyela ekhaya eholide. Sahambisa isipho emva kokuba idiza layo lifike. Phakathi kwemini-ntambama, i-arhente yayifumane izibonelelo ezi- 6 ezipheleleyo . Kodwa uPaula wayesele ehlasele ngaphantsi kwexabiso lexabiso.

Kwiiveki ezimbini kamva, uPaula wandibiza ukuba ndirhoxise. Wayevelise imeko eyaziwayo ebizwa ngeenyawo ezibandayo . Ndathi ndiza kuyithenga ngokutya indlu ukuba ingayinika inkontileka kum. Wacinga njalo kwaye wagqiba ekubeni ngaba igosa lakhe lalifuna indlu, kufuneka libe yinto efanelekileyo; wavala isango. Iminyaka emine kamva, uhlala esonwabile kwiNelson Street.

Natasha: Phakathi-30s, Single, Mortician

UNatasha wandibiza malunga nokudibanisa kwam, efunyenwe kwi-intanethi.

Ngelishwa, i-condo yam isele isithengisiwe. Ndacacisela uNatasha ukuba ndiyakwenza amalungiselelo ukuba atyelele nganye ididodi enye, kwaye kwakukho ukuthengiswa kwe-10. Izidingo zikaNatasha zilula kakhulu:

• 2 kwigumbi lokulala.
• Izindlu zokulala eziphezulu.
• Akukho sondlo esichaziweyo.
• Ngaphantsi kwe $ 200,000.

Ngenxa yokuba yayiyimakethi yomthengi , ndicinga ukuba abathengisi abaninzi baya kuvuma ukuthengisa okungenani ama-5 eepesenti ngaphantsi kweendleko zoluhlu, ngoko ke sagqithisa i-condos ngaphezu kwexabiso lentengo ka Natasha. Wazimisela ukuba akayidingi impela ibhondi yamabini amabini xa efuna ukuthenga ibali elilodwa kumgangatho wesibini. Iyunithi efanelekileyo yokuphela yayiye kwiimarike kwiinyanga ezili-6, kwaye loo mthengisi wayenokukhuthazwa.

UNatasha wenza isibonelelo sebhola ephantsi kwaye wabuza umthengisi ukuba ahlawule i-$ 5,000 zeendleko zokuvala zikaNatasha, kunye nokuhlawula ukuba zonke izithuthi zomlilo zithathelwe indawo (njengoko kuphawulwe kwingxelo yokuhlola).

Isipho samkelwa, kunye noNatasha bavalelwa ngee-190,000 zamaRandi, benani lentengo engezansi-ntengiso njengomthengi wendlu yokuqala , kwaye akukho mrhumo-ngaphandle. I-condo yakhe i-turnkey. Wayengenakuvuya ngakumbi!

11 Imizila yexesha lokuqala lokuThengwa kwabathengi basekhaya

• Abesithathu kwabasetyhini bachitha imali engaphantsi kwama-200,000
• Uncamela ii-bedroom ezimbini okanye ngaphezulu
• Akunamathuba okukhetha ukwakhiwa okusha
• Thenga kwiindawo ezikuloo mizi
• Uya kulahla ubungakanani kunye neendleko zokufumana ezinye izibonelelo
• Awuyi kulahla indawo okanye umgangatho wommandla
• Ukukhetha iikhondomu kunye nemibutho yabanini abahlala kwikhaya elingenamakhaya
• Izithuba ezincinci ziyamkeleka
• Inqweno yokhuseleko kunye / okanye ukufumana ukufikelela
• Ufana nokubandakanya intsebenziswano yentlalontle nabamelwane
• Ufuna ukusondela kufuphi nezitolo, ukuthenga, kunye namaziko okufaneleka

Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.