Ngaba kulungile ukuthenga okanye ukuhlawula ikhaya?

Xa ukuhlawula indawo endaweni yokuthenga kuyenza ngakumbi

Xa kuziwa kumbuzo wokuqashisa nokuthengwa, nantsi amagama oya kukuva abambalwa bee-estate agents baxoxela: Akunjalo wonke umntu kufuneka abe nekhaya! Abanye abantu abanqunywanga ukuba bunini bekhaya, ngezizathu ezahlukeneyo. Ngaba ungomnye walabo bantu kufuneka baqeshwe kwaye bangathengi? Nazi iindlela ezintlanu zokuxelela.

1. Ingxelo engeyiyo yeMboleko

Ngaba i-tank yakho ingxelo yeranki? Ukuba umlinganiselo wakho we- FICO ungaphantsi kwe-620, awuyi kufumana inzala enomdla yembolekiso kwaye, ngokwenene, olo hlobo lwamanqaku lunokukudiliza ezandleni zomboleki .

Ayikho uphawu oluhle.

• Ukuba ufuna ukuthenga ngekhredithi embi , kufuneka usebenze ukulungisa phambi kokufaka isicelo semboleko.
• Ukuhlawulwa kwexesha eli-4 kwanele ukwenjenjalo ukuba ungakulungeli ukufumana imali mboleko.
• Unokuyalela ingxelo yekhredithi yakho kwi-intanethi.

2. Amanqanaba aMatyala aphezulu

Ababolekisi baqwalasela izibini ezimbini: ukuphela kokugqibela kunye nomva wokugqibela. Umgca wokugqibela ngumvuzo wakho wokuhlawula imali, kunye neerhafu kunye ne-inshurensi ehlukaniswe ngumvuzo wakho wenyanga. Umva wokugqibela ukhoza iintlawulo zakho zenyanga zetyala kwi-PITI yakho ntlawulo ngaphambi kokuhlukanisa inani elipheleleyo lomvuzo wakho. Ireyithi ye-50 yeepesenti yerhafu ngumlinganiselo ophezulu. Umlinganiselo omkhulu weetyala uthetha ukuba awufaneleki umboleko. Ukuba unokufumana umboleki ongenalwazi ongalungele ukuxhasa imali leyo mboleko, awukwazi ukukwazi ukuzondla, nokuba uyadla ukungcola.

3. Ukukhubazeka kweJob okanye ukufuduswa

Ukhuselekile kangakanani umsebenzi wakho? Umthengi we-Sacramento ophakamileyo othengiweyo uthenge indlu eMidtown. Intlawulo yakhe yokuthenga imali yayingu-3 500 ngenyanga, eyona nto yayininzi eneminyaka engama-25 ubudala.

Nangona kunjalo, loo ntlawulo yayithengeka ngeli xesha lo mntu ufumana umvuzo we-$ 120,000 wonyaka. Kodwa xa elahlekelwa ngumsebenzi wakhe, waphinde walahlekelwa yindlu yakhe yokucima .

• Ngaba uYobhi Wakho Usengozini?
  Ingaba inkampani yakho isala? Ngaba unokupheliswa kwaye, ukuba kunjalo, kunzima kangakanani ukufumana omnye umsebenzi kwangoko? Imbuyekezo yokungabikho kwemisebenzi ayifumaneki ngokwaneleyo ukuhlawula iintlawulo zemboleko.

• Ukufuduswa.
  Ngaba unako ukutshintshwa kwenye idolophu kwiminyaka emibini ukuya kwimithathu emibini? Ukuba ufanele uthengise ngenxa yokudluliselwa komsebenzi, ipropati yakho iya kufuneka ixabise ubuncinane iipesenti ezili-10 ukufihla indleko zokuthengisa ; Ngenye indlela, uya kulahleka imali ekuthengiseni. Xa uthenge ikhaya , kufuneka uceba ukuhlala ubeke ixesha elithile.

4. Iingxaki zoNondlo

Wonke amakhaya adinga ukugcinwa nokugcinwa. Akunabo bonke abantu abanakho-kunye nabo bonke, kuncinci umnqweno, ukujongana neeprojekthi zokulungisa ikhaya. Ukongezelela, abaninzi abathengi basekhaya abanokuqala ukufumana ingcali yokuqulunqa izinto eziphula. Iingcali zibonisa ukuba ubeke eceleni iipesenti ezi-5 zexabiso lokuthenga ukugcina isondlo kunye nokulungiswa xa uthenga indlu .

5. Xa kuthengiswa iindleko ngokuncinane

Ukuba ukuhlawulwa kwakho kwemali kuya kuba kathathu inani (okanye ngaphezulu) uya kuhlawula irenti, kungenako ukwenza ingqiqo yemali ukuba uthenge. Ngokomzekelo, ukuba bekuya kuhlawula i-$ 2,000 ngenyanga ukurenta oko bekuya kubiza i-$ 6,000 ngenyanga, ukuba kunengqiqo ukuhlawula i-$ 48,000 ngonyaka ngaphezulu ukuba ube nekhaya?

Ukuba uneminyaka engama-30 yentela yeerhafu, ungasondeli ukuhlawula umlinganiselo owuhlawule ngawo. Yithi iindleko zakho ezichithwayo zi-$ 5,000 ngenyanga; Iipesenti ezingama-30 zelo li-$ 1,500 kuphela, oko kuya kuba yindleko yakho yokwenyusa yerhafu ngenyanga.

Ngaba uza kuchitha i-$ 6,000 ukugcina i-$ 1,500? Ukufumana ulwazi oluthe vetshe, nceda uqhagamshelane neakhawunti yerhafu okanye i-CPA.

_{Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.}