Kufuneka Uthenge nini?
Ukuthenga ikhaya kunokukunceda nakunoma yimuphi umdala, omncinane okanye omdala, nje kuphela ukuba iimeko zichanekile.
Unokuba usulungele ukuthenga xa, ubuncinane ubuncinane:
- Unakho ukuhlawula iintlawulo zenyanga kunye neendleko zobunikazi bekhaya
- Unokufumana imvume yokubolekisa ngemali mboleko (okanye ungcono, kodwa ukhokhe imali)
- Cwangcisa ukugcina ikhaya elide ngokwaneleyo ukubuyisela iindleko zokuthengwa ekuthengeni nasekuthengiseni, kunye naliphi na ukuhla kwexabiso
- Unokukwazi ukufumana ingozi, kuquka nezindleko zokunakekela ezothusayo okanye ikhaya lakho elilahlekelwa yintengiso kwiimarike ezibuthathaka
- Ulungele uxanduva lokuba nokugcina ikhaya
Akukho nanye kulapho ithetha ukubonisa ukuba awunakuxanduva xa ungathengi indlu ngexesha elithile. Ukufumana ikhaya kungaba yindleko echithwayo, echitha ixesha kunye nexhala. Ukuqeshisa kuza kunye nemingeni yazo, kodwa kulula kakhulu ukupakisha kwaye ushiye xa kuphela into ekubambelayo yinto yokuqeshisa ngonyaka.
Kwiliphi Ixesha Abantu Abaninzi Bathengayo?
Kubalulekile ukuba uphile ubomi bakho, kodwa kunokunceda ukwazi xa abanye bethengwa.
Kukho izizathu ezilungileyo ezibangelwa ukuba amaxabiso omhlaba asekhaya anyuke ngokukhula. Ngokutsho kwe-US Census Bureau, ireyithi yokuhlala ekhaya ngokudala ekupheleni kuka-2017 yile:
| Umda wobudala | Ireyithi yoLuntu |
|---|---|
| Uneminyaka engama-35 ukuya kwengu-44 ubudala | 58.9 ekhulwini |
| 45 ukuya ku-54 ubudala | 69.5 ekhulwini |
| Uneminyaka engama-55 ukuya kwengu-64 ubudala | 75.3 ekhulwini |
| Uneminyaka engama-65 nangaphezulu | 79.2 ekhulwini |
UMbutho weSizwe we-Realtors ubika ukuba ummeli wokuqala we-home7yer ngo-2017 wayeneminyaka engama-32 ubudala. Kodwa abo bathengi bafumana imali engama-$ 75,000 , okwenza babe nethamsanqa kuninzi .
Izizathu zokuthenga abatsha
Ukuba unamandla kunye nomnqweno wokuthenga omncinci, kukho iingeniso ezinokuthi uqale ekuqaleni.
Ukwakha ubutyebi: Ukucinga ukuba izinto zihamba kakuhle, ukuba nekhaya liyindlela yokunyusa umthamo wakho. "Ukugcinwa ngunyanzeliso" kwiintlawulo zakho zenyanga kukunceda ukwakha ubulungisa kwipropati , ongayisebenzisa kwenye indawo okanye ezinye iinjongo. Esikhundleni sokuba unike ipesenti zepesenti yakho yenyanga yokuhlawulwa kwezindlu kumnini-mnini, "ugcine" inxalenye yentlawulo nganye .
Ukuxabisa ngexabiso: Akukho siqinisekiso sokuba ikhaya lakho liya kuzuza ixabiso, kodwa oko kwenzeka kwiimeko ezininzi-ngaphaya kwexesha elide. Ixabiso langaphandle linokuncedisa uhla lwexabiso lokunyuka kwamaxabiso, ukucinga ukuba ipropati yakho igcina ijubane kunye namaxabiso akhulayo. Ngokukodwa kwiimarike ezinamandla ezinezinto ezininzi, ukuxabisa ixabiso kunokubangela ukuba ubutyebi bakho buqokelele. Kodwa yokhuseleko kakhulu ukuthenga ikhaya njenge "ikhaya" ofuna ukuhlala kulo-kungekhona njengotyalo-mali.
Indawo yakho: Xa unayo ikhaya, ulawula. Unokwenza ngokwezifiso ukhangelelwano oluhambelanayo nesitayela sakho, yenza uphuculo olongeza intengo, kwaye ukhule izimpande ezingakumbi kwiindawo ohlala kuzo.
Awudingi imvume evela kumnini-mnini, kwaye akudingeki ulungise zonke izinto ozenzayo ukuze ufumane ukukhutshwa kwekhuseleko.
Izizathu zokulinda
Ukuba ungeva ugijime, kulungile. Ukulinda ukuthenga kunokuhlawula ngeendlela ezininzi. Ukwenza ikhaya lakho kunye nokunyakaza kungabangela intlungu, ngoko unokukhetha ukunciphisa inani leexesha othenge ngalo kwaye uthengise ngalo.
Okuqinisekileyo ngakumbi: Njengoko ukhula, uhlakulela umfanekiso ocacileyo wekhaya lakho elihle. Ixesha elizayo lihlala liqinisekile, kodwa ufumana ulwazi olungakumbi malunga nemibandela emininzi njengoko uneminyaka yobudala:
- Indawo yakho yomsebenzi, okanye amandla akho okusebenza kude
- Ingeniso yakho iyafumaneka kwiintlawulo zezindlu
- Ubungakanani bentsapho yakho, ukuba kukho
Amandla emali: Ininzi (kodwa ingekho bonke) abantu bafumana ngaphezulu njengoko bekhula. Njengoko ufaka iminyaka yakho ephezulu yokufumana imali, kulula ukuthenga ngokuthe ngqo into oyifunayo-ngaphandle kokwenza imibingelelo enkulu.
Esikhundleni sokuba "ngendlala" kunye nokujongana nepropati yakho kwi-20s kunye ne-30s, unokuchitha loo minyaka ukugcina imali enkulu, ukuhamba okanye ukwenza nantoni na into oyifunayo. Okongeza, unokwakha isikweletu malunga neminyaka ukuze ufumane imali engcono kakhulu .
Izinto oza kuziqwalasela
Iimarike zendawo: Iimeko zengingqi zingakhokelela ekuthengeni okanye ekulindeni. Ngokomzekelo, ukuba irente ingabizi kakhulu, kodwa amaxabiso okuthenga anengqiqo, unokufuna ukuthenga kungekudala ukugcina izindleko zezindlu ezifikelelekayo.
Inkokhelo ephantsi: Ukuhlawula inkolelo kunokukunceda ukunciphisa iintlawulo zenyanga kunye neendleko zenzalo . Unokuphephelela ukuhlawula i- inshurensi yangasese yangasese (PMI) , kwaye unciphise umngcipheko ngokubeka phantsi ubuncinane ama-20 ekhulwini. Kodwa ezinye iingxowa-mali zivumela ukuba uthenge nge-intlawulo encinci , eyenza kube lula ukuthenga ngexesha eliselula. Hlola i-tradeoffs ngaphambi kokuba ugxume ngeli thuba lokuthenga ngezantsi kakhulu.
Umsebenzi: Ngaba ingeniso yakho okanye indawo iya kutshintsha ngexesha? Ngokomzekelo, abanye oogqirha bezobugqirha baqala ngeemithwalo ezinkulu zematyala, kodwa bafumana imali ephezulu kamva. Ukuba utshintsho lomsebenzi lusondele, qaphela indlela okuchaphazela ngayo isigqibo sakho sokuthenga. Olunye usebenzo lwebala luvela kwisigxina (umsebenzi kunye neyunivesithi) ukungaqiniseki (umsebenzi kunye nokuqalisa).
Imiba yokungena: Xa unayo ikhaya, unoxanduva lwezinto zonke. Ukuba kukho intshontsho, ufanele ukuyihlawula okanye uhlawule umntu ukuba enze njalo. Ukuba kukho ukuvuza, kufuneka udibanise phambi kokuba kubangele umonakalo. Cinga ukuzimisela kwakho ukuthatha loo mi sebenzi. Ngaba uza kwenza yonke into yakho (ngosizo lwe-YouTube) okanye uhlawule umntu? Ukuba uceba ukuqesha umsebenzi, ngaba unayo imali, kwaye kulula ukufumana uncedo oluthembekileyo kwindawo yakho? Nangona usebenzisa iikontraki, mhlawumbi uzakufumana ixesha elingenamali emva kokuba uthenge ikhaya.
Ingozi: Ukuthenga ikhaya kungabungozi. Uzinikele ekubuyiseleni imali mboleko enkulu, kwaye unokulahlekelwa yintlawulo enkulu xa uthengela impahla. Ngakolunye uhlangothi, unokuba usesikweni sokuthatha ingozi xa usemncinci ngenxa yokuba uphila ubomi bakho bonke, kwaye ungenakho umntu kuye kuxhomekeke kuwe. Ngakolunye uhlangothi, kunokufumana lula ukufumana ilahleko zemali xa usukhulile.
Ngaliphi i Age Ungayithengela Ikhaya?
Uninzi lwamazwe ludinga ukuba ufikelele kwinkulungwane yesininzi (ngokuqhelekileyo 18) ukuzalisa izivumelwano zomthetho. Ukuthenga i-real estate nokufumana imali mboleko kufuneke ukuba usayine isivumelwano. Kodwa unakho umnikazi wepropati njengomncinane nje ngokuba umntu oneminyaka esemthethweni ubonisa izivumelwano.
Ukuba unomdla wokuqala ekuqaleni, fumana uncedo kwiingcali zengingqi onokuzichaza ezikhethileyo. Unako ukukwazi ukuhlawula umnikazi nomntu omdala, okanye unobunikazi bokudlulisa umntu omdala phantsi kocwangciso okanye ukulungiswa kwetrust. Ezinye iinketho zinokuthi zikho, kwaye ummeli onelungelo lokuthengisa ungakunceda uhlolisise ezinye iindlela.