Umbuzo: Ngaba kufuneka Ndiyikhuphe ikhaya lam okanye ndizame ukuthengisa njengoko kunjalo?
Umfundi uyabuza: Ndichithe ixesha elide nemali ukwenza ukulungiswa kwangaphandle kwekhaya lam, kunye ne-remodel ekhululekile yokuhlamba i-master master. Nangona kunjalo, yonke indlu yam iminyaka engama-22 ifuna ingqalelo ngaphakathi. Ibhedi yokuhlamba inomgangatho obolileyo kwaye ihleliwe. Ikhitshi, ngokufanayo, i-1980. Sinezixhobo zokusebenza ezintsha, kodwa ii-counters kunye neekhabhinethi mhlawumbi kufuneka zidluliselwe. Ngaba kufuneka ndilungise ikhaya lam okanye ndizame ukuyithengisa njengoko kunjalo?
Impendulo: Le ngenye yemibuzo apho impendulo ixhomekeke kwimimandla efana neemeko zokhuphiswano olukhuphisanayo, ingaba iyimakethe yokushisa, ebandayo okanye engathathi hlangothi kunye nethuba lokubuyela kwi-mali.
Kwamava am, abathengisi abaninzi babeka imali kakhulu ekukulungiseni amakhaya abo athengiswayo. Baya kulungiswa umthengi abanakuze baqaphele okanye abayi kuhlawula eyongezelelweyo. Thetha kwi-arhente yakho ngaphambi kokwenza nayiphi na indlela yokulungisa kwaye nceda uqinisekise ukuba i-arhente yakho inamava kwaye ufaneleke ngokwaneleyo ukunika iimpendulo ezihambelanayo onokuzithemba ngazo.
Ukuthengisa ikhaya njengokuba kunjalo
Ngokomzekelo, kwiminyaka embalwa edlulileyo, umxhasi odlulileyo wabiza ukuba ummelwane wakhe olandelayo kufuneka ukuba athengise ngokukhawuleza ikhaya lawo. Ukuthi kwakudingeka umsebenzi kwakuyi-understatement.
Ikhaya libonakala lihleli. Kwakuyizimbobo ezindongeni yonke indlela eya kumgangatho weenkuni wangaphandle kunye nomchamo; Uninzi lwombane aluzange lusebenze kwaye ibhubhe yokuhlambela iwele phantsi.
Zonke iiphampu zavakala kwaye, kwelinye igumbi lokulala, ndafumana inqwaba yeerandi ezifile zatshitshiswa emgodini phakathi kwepansi.
Le yayingekho ikhaya elingasilula ngokukhawuleza. Kwakungekho nengubo yepende eyayikunceda ukuthengisa le ndawo. Siyithengise ngexabiso elaneleyo kangangokuthi litsalise izibonelelo ezininzi kwaye zithengiswa ngeentsuku zerhwebo kwiimarike.
Kuphela iikontraki kunye neentlanzi ezenziwe ngezibonelelo kule ndlu.
Ngaba Abathengi Basekhaya Bafuna Ukulungiswa okanye Bahlaziywe Kwizindlu?
Abanye abathengi basekhaya bafuna ukuthenga ikhaya eliphezulu , kodwa ngokuqhelekileyo aba bathengi bafuna ikhaya eliya kufuna ukulungiswa kwezinto zokuzilungisa. Abathengi abachanezelayo kwizinto ezilungiselelwe ngabo bafanelekanga ukuthenga ikhaya elininzi okanye abo bafuna ukwenza inzuzo ngokulungisa ikhaya ngokwabo.
Andiyi kudibana nomthengi wexesha lokuqala lomthengi wasekhaya , uthi, "Ndiphe ikhaya, ndingazidiliza kwii-studs." Abathengi abaninzi bazimisele ukulungisa izinto ezinjengokupenda iindonga, ukufaka kwi-carpeting entsha okanye ukubeka indawo yokukhanya. Ngokuqhelekileyo abafuni ukuvuselela isiseko okanye ukuhambisa izindonga.
Abathengi abaphezulu bayakuhlawula ixabiso lekhaya ukuvumela ukulungiswa kwaye, ngenxa yokuphazamiseka, ngakumbi. Yithi, ikhaya lifanele u-$ 100,000, kodwa lifuna uphahla olutsha. Uphahla olutsha lunokubiza i-$ 10,000. Umthengi mhlawumbi akayi kunika i-$ 90,000 kule ndlu. Ngaphandle koko, banokuthenga indlu efana nephahla elitsha kwi-100,000 yee-dollar kwaye bengenayo inzuzo.
Umthengi walo hlobo lwekhaya unokunika i-$ 75,000, okanye nangaphantsi. Kule meko, umthengisi uya kuba yingqiqo ukuhlawula uphahla olutsha kwaye athengise ikhaya nge $ 100,000.
Ngaphezu koko, abathengi abaninzi abayi kuthenga indlu efuna uphahla olutsha. Baya kunxininisa umsebenzi ochaphazelekayo uya kubabiza ngaphezu kwezinto ababekulindele. Mhlawumbi ukutshintshwa kwephahla kuya kubandakanya ukunqumla ukutshabalalisa nokulungisa izixhobo zokubakho, ezingabongeza kwiindleko. Uninzi lwabathengi bafuna ikhaya elisemzini. Ngokungazilungisi, uya kunciphisa inani labathengi abanokubethwa kwikhaya lakho.
Ngaphambi kokuba Ulungise ikhaya lakho
Abathengisi be-Smart baya kugqiba iindleko zophuculo ezicetywayo malunga nexabiso lemarike yasekhaya emva kokulungiswa okanye ukuphuculwa. Ukuba ukuphuculwa komsebenzi akuyi kubuyisa utsalo-mali, olo phuculo lungafanelekanga. Ngaphambi kokuba uthathe isigqibo sokuphakamisa uphahla uze ufake ii-brightlights kwi-master suite, qaphela ukuba iikhikhini kunye neebhafu zihamba ngokuphezulu.
Ngaphambi kokuthatha isigqibo sokwenza ukulungiswa okuthe ngqo ngaphambi kokuba ubuyisele kwakhona, thabatha imini emva kokuvakashela ezinye izindlu kwindawo yokuthengisa kunye ne-agent yakho.
Qaphela imeko kunye nezibonelelo kuloo makhaya. Thelekisa le mizi ibe yakho. Ukuba, umzekelo, ininzi yamakhaya kwimarike ikhutshiwe iikhikhi, kufuneka ugxilise ekulungiseni ikhitshi.
Oku akuthethi ukuba ufuna ukuthenga izixhobo zombane kwaye uphuphe iikhabhinethi. Kodwa i- remodel encinci yeyona nto ingabakho utyalo-mali olungileyo. Ngamanye amaxesha, ukupenda umzobo oak umbala omnyama kunye nokufaka i-hardware ehlaziyiweyo kunokunika ikhitshi yakho ibonakale entsha.
Yenza uluhlu lwezinto zonke ezingenasiphelo, eziphukile okanye ezigugile. Ukuba abathengi babona iingxaki okanye iinkqubo ezingasebenzi, banokuzibuza ukuba yintoni enye ekhaya eye yahoywa. Abathengi endibonise kuyo i-$ 1.5 yezigidi-dollar ekhaya kwi-Fab 40s kwi-Sacramento idluliselwe kuloo ndlu ngenxa yokungatshintshwa kwabathengisi. Indlela yokungena yombhobho yayinomdla omkhulu phantsi kwesikhonkco sayo, kwaye yayidlwengulwe. Lo mbhobho wenza impembelelo embi kubathengi kangangokuba babeqinisekisile ukuba abathengisi abakhathalele ukuthengisa ikhaya labo.
Nazi izinto ezili-10 zokuphucula ukwenza ngaphambi kokuthengisa ikhaya lakho:
- Izimbobo kunye nemifuziselo kwiindonga kunye nezilwanyana.
- Hlela zonke izixhobo eziphukileyo kunye neenkqubo ze-HVAC.
- Lungisa iibhothi ezivuzayo.
- Yenza i-carpeting ebunxiweyo okanye embi.
- Ukuphinda kubonakale kumnyama okanye iindonga eziphazamisekileyo ngepende engathathi hlangothi (engekho emhlophe).
- Shintsha ingilazi yefestile ephukile.
- Ukulungisa uphahla.
- Sitshintshe naziphi na izixhobo zokukhanya / ezilondoloziweyo zelanga .
- Yenza iifowuni zangaphambili kunye nefestile.
- Ukulungiswa kwekhowudi.
Ukuba imakethe yakho yendawo yokuhlala ishushu kakhulu - ithengisi lomthengisi - unako ukuhamba kunye nokulungiswa okumbalwa ngaphambi kokuthengisa; Nangona kunjalo, ikhaya elifuna ukulungiswa liya kuqhubeka lithengisa intengo ephantsi. Kwiimarike ezicothayo - iimarike zomthengi - abathengi abanako ukukhangela indlu efuna umsebenzi, ngaphandle kokuba i- REO . Buza i-arhente yakho ngcebiso.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.