Umfundi uyabuza: "Yonke into endiyifunayo kwaye ndiyibheke kwiTV ithetha ukuba kufuneka ndibe ngumthengi wekhaya ngoku, kodwa ndingaqiniseki." Ngokuqinisekileyo kufuneka kubekho izizathu zokungathengi ikhaya kuba kungekhona wonke umntu owenzayo. Ndingayichazela ukuba ndingomnye walabo bantu abafanekanga ukuthenga ikhaya? "
Impendulo: Kudos kuwe ekucingeni ukuba kufuneka uthenge ikhaya.
Ingaba ungumgqatswa wobunikazi basekhaya kuxhomekeke kwizinto ezininzi, ezinye zazo ziba namandla kunabanye. Nguwe kuphela onokukufumanisa ukuba zeziphi na izinto ziyimpembelelo enkulu ebomini bakho.
Oku kulandelayo iziflegi ezibomvu ongafuna ukucinga ngazo ngaphambi kokuba uphumelele ukuthenga ikhaya okanye wenze isigqibo sokuqhubeka nokuqeshisa. Naliphi na omnye kubo onokuma yedwa njengesizathu sokungathengi ikhaya. Kusenokuba nengqiqo ukuthenga ikhaya ukuba enye yezi meko iyasebenza, kodwa ngaphezu kweyodwa kufuneka iphakamise iflegi yokulumkisa.
# 1 Isizathu sokungayithengi ikhaya: Akukho ntlawulo ephantsi
Ngaphandle kwemali-mboleko ye-VA kunye nokutshatyalaliswa kweenkqubo zangaphambili zokuthengwa kwekhaya, uya kufuneka uhlawule ukuhlawula imali yokuthenga indlu. Le mali ingahlawulela kwi-3.5% yentengo yokuthengisa ye- FHA mboleko kwi-10% ubuncinane kwimali-mboleko eqhelekileyo. Iirhafu zenzalo ezilungileyo zinikezelwa kuba bathengi nge-20% ukubeka phantsi.
# 2 Isizathu sokungayithengi ikhaya: iNgxowa-mali engekho
Isikratshi esingalunganga sinokukungafaneleka ukufumana nayiphi na imali .
Abo baneengxelo zekhredithi ezingaphantsi kwe-620 banokufumana imithombo enomsebenzi onzima oya kuboleka kwikhaya, kodwa iirhafu zemali kunye nemirhumo iya kuba sephahleni. Inzala ephakamileyo inomlingana neentlawulo eziphezulu zokuboleka imali . Ukuba unomvuzo ongezantsi, cinga ukulinda, wenze utshintsho kwimikhuba yakho yokuchitha ukuphucula amanqaku akho eFICO .
# 3 Isizathu sokungayithengi ikhaya: iiRatios eziMatyala aphezulu
Ababoleki batshintsha imigaqo yonke ixesha lokubaluleka kwetyala . Ukuba iibill zidla i-50% yengeniso yakho yonke inyanga nganye, mhlawumbi unganakukwazi ukuhlawula imali yentlawulo yempahla phezu kweendleko. Ngenxa yokuba izikhokelo zendleko zitshintshile ukususela kwintlawulo yokungena kwemali ka-2007, izilwanyana zakho ziyakudinga ukuba ziphantsi okanye awusoze waphumelela phantsi. Cinga ukuhlawula phantsi okanye ukuhlawula amakhadi akho ekwereta ngaphambi kokuthenga ikhaya .
# 4 Isizathu sokungayithengi ikhaya: Ukhuseleko olusenyanisekileyo
Ukuba unesizathu sokukholelwa ukuba umsebenzi wakho unokuba yingozi, ngoku ayikho ixesha elifanelekileyo lokuthenga ikhaya. Abaninzi abanini bezindlu abaya kwi- foreclosure baphela kuloo ndawo kuba balahlekelwe yimisebenzi yabo. Abantu abangasebenziyo bahlala bebeka izinto eziphambili ekuthengeni ukutya kunye nokubeka igesi kwimoto xa benza imali yokuthenga imali, benethemba lokuba bangenza iintlawulo zemali emva kwexesha. Esikhundleni saloo nto, bathambekele ekujuleni kwetyala.
# 5 Isizathu sokungayithengi ikhaya: Xa kuqeshiselwa i-50% engabizi
Ukuba injongo yakho ephambili kukubeka uphahla phezu kwentloko yakho, cinga ukuba kulungile ukuba uqeshwe kunokuthenga . Kwezinye iimarike ezithengiswayo, kuya kuba yinto elula ukuhlangabezana neembopheleleko zemali zobunini bendlu, ngelixa iirejethi kule mimandla i-50% ngaphantsi kweentlawulo zemboleko.
Xa amaxabiso asekhaya aphakamileyo kangangokuthi abambalwa abathengi banakho ukuthenga ikhaya labo lokuqala, unokuba ngcono xa uqesha kwaye uhlawula ngaphantsi kwelo phaya.
# 6 Isizathu sokungayithengi ikhaya: Tend to Move Every Year
Ukuthenga ikhaya ngokuqhelekileyo ukuzinikela kwexesha elide. Ukuba uyayithanda umdlalo olutsha, okwenza ufune ukutshintshwa rhoqo kwimeko yakho, unokufumanisa ukuba akunakwenzeka ukuthengisa ikhaya lakho elitsha ngexesha elifutshane nje ngaphandle kokufumana ukulahlekelwa okukhulu. Isizathu sokuba abantu abaninzi bathenga ikhaya kukuqinisa ubulungisa, kwaye kunzima ukwakha ubulungisa xa uthengisa kwaye uthengisa ekuhlahleni kwentsimbi, ngokukodwa kwiindawo apho ukuxabisa kuncinci okanye akukho.
# 7 Isizathu sokungayithengi ikhaya: Ubudlelwane obungakhawulezileyo
Nangona abaninzi abantu abangatshatanga bathenga ikhaya, ngokukhethekileyo abathengi basekhaya abangabhinqa , ngokuqhelekileyo ikhaya lokuthengwa kuthengwa kunye neqabane okanye iqabane.
Ukuba ulwalamano lwakho naloo mntu lungaqiniseki, uya kwenza ntoni ukuba uthembela kwingeniso yomntu kunye nenkxaso yokwenza intlawulo yomboleko, kwaye loo mntu uyaphuma? Ngelo xesha unokuba ubhekene nokuthengisa okufutshane okanye, ubuncinci, ukuguqulwa kwemboleko , zombini echaphazela i-credit.
# 8 Isizathu sokungayithengi ikhaya: Ukunciphisa i-Real Estate Market
Abantu abathengisa amakhaya ekuyekeni kweemarike bahlala bebukela ngokukrakra njengoko ukulingana kwabo kupheleka xa i-marhwebo iqhubeka iwa. Ukuthenga ikhaya kwikarhwebo elingaphantsi kuthetha ukuba ubeka phantsi i-20% kunye nemakethe iyawela enye i-5%, ngoku ulahlekelwe ngu-25% otyalo-mali. Ukungena. Hayi. Ngaphandle kwefestile. Indlela yodwa eqondakalayo ukuthenga emakethe ehlayo kukuba uthenge ngaphantsi kwexabiso lokuthengisa . Ukuba uzama ukuchitha ixesha lemarike yendawo yokuhlala kwaye uthenge ngasezantsi, izibikezelo zakho zingalunganga.
# 9 Isizathu sokungayithengi ikhaya: Ukuhamba rhoqo
Masibe nzulu apha. Ukuba uhamba lonke ixesha, kutheni ufuna ukuthenga ikhaya? Abanye abantu bathi i-condos yinto enhle kubantu abahambayo; ibizwa ngokuba yindlela yokuphila yokukhiya kunye nokuhamba. Baziva ukuba abanye abanikazi kwi-condo complex bayakujonga ikhaya labo ekungabikho kwazo kwaye akukho nto iya kwenzeka. Ewe, kuthekani ngemali yombutho wezindlu ezifunekayo kwaye zihlawulwe rhoqo ngenyanga zenkonzo ezisetyenzisiweyo kanye okanye kabini ngenyanga? Le nto ingaba yinkunkuma enkulu yemali.
# 10 Isizathu sokungayithengi ikhaya: Wonke umntu uyenzayo
Yinyaniso yokuba kwimarike yomthengisi, abathengi bahlala bephelela kwiimeko ezininzi zokubonelela . Kungenxa yokuba kulezo zimarike, ukugcinwa kwempahla kunzima kwaye imfuno iphezulu. Xa uthengela ikhaya kwikharityhulam lomthengisi, unamandla okuthetha kunye kwaye uya kuhlawula ngaphezu kwexabiso lexabiso . Ubungcono kakhulu ukuthenga ikhaya kwikharityhulam lomthengi, xa kukho abathengi abancinci bebancintisana nemali emikhulu yolwazi. Akusoloko ulandele isihlwele ukuba wenze isinqumo esilumkileyo sezemali.
Ngexesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.