Umfundi uyabuza: "Ndingathanda ukuba ngumthengi wekhaya, kodwa andiyazi ukuba ndikulungele ukuthenga ikhaya okwangoku. Ndingayichazela njani? Ingxenye yam iyothuswa kukuba ndiza kulahla ikhaya lam okanye Ndiyakwazi ukufumana i-mortgage. Ndingumntu oneminyaka engama-26, ongatshatanga kwaye oqeshwe ngempumelelo. Ngaba kuyaqondakala ukuba ndibe ngumthengi? Ndiyathetha, ndiyazi njani ukuba ndilungele ukuba ngumthengi wekhaya? "
Impendulo: Abathengi bezindlu zangaphandle bayenza utyalo-mali owona mkhulu kakhulu oya kubakho kwiindawo zabo zobomi.
Oku kunokubangela abanye abathengi. Kwamanye amazwe, abathengi baxanduva lokuthenga imali.
Xa mna nomyeni wam sathengisa ikhaya lethu eSigramento, waxoshwa ngokupheleleyo. Wahamba ngokuphindaphinda esithi, "Ndikweleta ngekota yesigidi sezigidi." Wayegxininisa ngakumbi kwi-matyala ngaphezu kwexabiso lethu elikhulu. Senze inkokhelo enkulu. Ukuthulula yonke loo mali kwikhaya lethu elitsha kwakungekho yinkinga, bekuyixabiso letyala elimkhathazayo.
Abaninzi abathengi basekhaya bexesha lokuqala bahlawula imali encinane kwaye bathenge ikhaya basebenzisa i- FHA mboleko . Oku kuthetha ukuba ikhaya lakho lihlawulelwe, kwaye awukwazi ukuthengisa ngokukhawuleza kwaye unethemba lokwenza inzuzo. Kuzinikela. Ukuzibophelela kwexesha elide, kwiimarike ezininzi.
Iimpawu ezi-5 eziphezulu zeNkampani yomthengi
Kufuneka uhlale kwindawo ethile. Ukuba ungathenga ikhaya malunga nomyinge ofanayo oza kuhlawula kwirenti, kwaye ungacingi ukuhlala ubeke ixesha elithile ukwakha ubulungisa, ukuba ngumthengi wekhaya unokuba sisigqibo esihle.
Uya kwenza umthengi omuhle wekhaya ukuba ukhona:
- Umthengi ohambelana nemarike.
Ukuba ungohlobo lomthengi othi, "Yonke indlu emarike yongxowankulu; andingayikhokheli loo nto," ngoko awuhambisani nemarike. Abathengi basekhaya abathengi kwiimarike kwaye banokulindela.
- Umthengi onolondolozo-ngokwaneleyo ukubeka iinyanga ezi-2 ukuya kwezi-3 zokuhlawulwa kwemali ephantsi kwemali.
Ababolekisi bemali mboleko bafuna abathengi ukuba babe neendawo zokugcina. Akufanele uthabathe yonke i-nickel ongayixuba kunye kwaye uyilahle kwindawo yokuthenga ekhaya. Uya kuyidinga isikhwama esincinci.
- Umthengi onesixhobo kunye nexesha lokugcina ikhaya.
Amakhaya adinga ukugcinwa. Uza kuba neentambo zokutshiza, iifestile zokuhlamba, izihlunu zomlilo ezithatha indawo, kwaye ungadinga ukutyelela ukulungiswa kwamancinci ngezikhathi ezithile.
- Umthengi oqeshwe ubuncinane ubuncinane iminyaka emibini emsebenzini.
Ukuba awunayo iminyaka emibini yengqesho kwikampani enye, emva koko kwiminyaka emibini kwintsimi enye iya kukwanela. Ababoleki balindele ukubona ukuzinza kwimbali yakho yengqesho.
- Umthengi oceba ukuhlala kuloo ndawo.
Ukuba isimo sakho sokuhlala singaqinisekanga, mhlawumbi kuluvo oluhle lokunciphisa ukuthenga ikhaya. Abanye abathengi abafudukelayo bayakwazi ukurenta ikhaya labo, kodwa ukuphatha umgama omde wokuqashisa akusoloko kubulumko. Awufuni ukunyanzelwa ukuba uthengise xa ungenalo ukulingana okwaneleyo ukuhlawula iikomishini kunye nezinye iindleko zokuthengisa.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.