Akukho mfihlelo yokuba izindleko zendlu zingabanye bezinto ezixabisa kakhulu kwiibhajethi zenyanga. Enyanisweni, amanani abonisa ukuba umyinge wexabiso elichithwe kwizindlu li malunga ne-$ 1,483 ngenyanga, kunye neengxelo malunga neepesenti ezingama-30 zomvuzo wesibini esitshatileyo.
IiMillennials zibi kakhulu. Idatha yakutsha ibonisa ukuba bachitha kuphela ama-81 ekhulwini lomvuzo wabo, xa kuthelekiswa nama-91 ekhulwini aneminyaka engama-25-34 ubudala achitha isizukulwana esidlulileyo.
Kodwa iindleko zabo kwizinto ezifana nokunakekelwa kwezempilo , ukhuseleko lwezeNtlalo, imfundo, kunye nezindlu ziphezulu kunabo babandulele.
Eminye iminyaka eyiwaka-minyaka ijikeleza le nto, ifunda indlela 'yokugodla amakhaya abo' kwaye iphile mahhala. Nantsi indlela abayenza ngayo.
Thenga i-Home For Cheap and Get Renters
Eminye yeminyaka eyiwaka-minyaka ihlawula amakhaya abo ngokuthenga isakhiwo esincinci, njengendlu ekhungweni. Ngokuqhelekileyo basebenzisa umboleko we- FHA ukugqiba ukuthengiswa, emva koko baqeshise amakamelo kubahlali, bahlawule ngokwaneleyo ukuhlawula yonke loo mboleko. Laba bahlawuli bezakhiwo zendawo bahlala ngokukhululekile.
Iminyaka eyi-Millennial ikhangele ukwenza i-buck eyongezelelweyo iya kuhlala kwikamelo elincinci elincinci lekhaya, njengesiko esingaphantsi (ukuba kufike kwikhowudi) okanye kwigumbi elincinci. Ngale ndlela, banokuhlawulisa abarenta babo ngaphezulu, kwaye banciphise irenti yabo (okanye bayisuse ngokupheleleyo.) Ukuba unquma ukulandela le ndlela uze uthathe abanikazi, qi niqiniseke ukuba ubhalise isivumelwano seentente zomthetho kwaye ubeke phantsi idiphozithi ukuze uzikhusele kunye notyalo-mali lwakho.
Gcina ukhumbule ukuba le ndlela ayiqwalasele izinto ezifana nokulungiswa kwekhaya, iindleko zokugcina izindlu kunye neendleko zesevisi. Ngaphandle koko, unako ukukhusela abanikazi abanokwaneleyo ukuba bakhokhe imali encinci ngaphezu kwemali yokubolekwa kwemali kwaye ubambise iindleko zokuboleka imali kunye nokugcina imali.
Isandi esingenangqiqo? Eyona nto inokwenziwa. Masithi uthenge indlu ye-3 okanye ye-4 yokulala i-$ 200,000 kwiindawo eziza phezulu kunye nokuza.
Ukhuselekile umboleko we-FHA, ofuna ukuhlawula imali encinane njengama-3.5 ekhulwini wexabiso lokuthenga. Emva kwentela kunye nemirhumo, oku kuphelela kuba ngama-7,000.
Imali yakho yokuthenga, iya kuba nge-$ 1,500 ngenyanga. Hlalani malunga ne-$ 300 ngenyanga malunga nokugcinwa kunye neebhili. Masithi ukhusele abathathu ohlala nabo, kwaye uphahla ekamelweni elincinci. Unokuhlawula abo ohlala nabo ama-$ 600 ngamnye, okanye uhlawulise kwizinga elisezantsi ngokusekelwe kubukhulu bamagumbi abo. Oku kuya kubandakanya ngokufanelekileyo imboleko yemali, iibhilikhwe kunye nayiphi na indlela yokugcina.
Ngaphandle kwe-7,000 ye-investor yokuqala yakho, uya kuhlala uphila ngokupheleleyo. Kwaye ukhulule iipesenti ezingama-30 yengeniso yakho. Cinga ukuba oko kuya kukwenza ntoni kwi-401 yakho (k) , iphothifoliyo yakho yokutshala imali, okanye i-tooth iya kuyenza kwimali mboleko yakho.
Ngena kuMama noTata
Ukuba ukuthenga ikhaya akusiyo imali ngokwemali kuwe, kukho ezinye iindawo zokuhlala ukuhlola.
Uninzi lwamawaka eminyaka liphonsa ithawula lezindlu kunye neengqungquthela kunye nomama nobaba ukugcina imali ethe xaxa. Enyanisweni, malunga neepesenti ezingama-31 ze-18-34 ubudala ubudala bahlala nabazali babo ngo-2016, xa kuthelekiswa nama-26 engama-40 kwiminyaka engama-40 edlulileyo, umgangatho okhoyo kakhulu kwimimandla e-Northeast nase-Southern ye-US.
Nangona ukuhlala ekhaya kungabonwa njengento enqwenelekayo kwabanye, akunakunceda kuphela ukunciphisa izindleko zezindlu ngokupheleleyo kodwa kunokukunceda ukukhulula imali ethile ukuze ufikelele kwiinjongo zemali ngokukhawuleza, njengokuhlawula amatyala okanye ukulondoloza ikhaya eliphantsi umgca. Nangona kunjalo, xa ucinga le ndlela, kukulungele ukuba nomhla wokugqibela engqondweni.
Cinga encinci
Ayikwazi ukuthenga indlu enkulu? Ngaba uye wacinga indlu encinane? I-house craze encinci ithathe i-HGTV kunye ne-intanethi, kwaye iwaka leminyaka iya kufika. Ngokutsho kwedatha yakutshanje, kukho ubuncinane bee-10,000 zala makhaya angama-square-square-square-square e-US-kwaye abaninzi babo baneminyaka eyiwaka-minyaka bekhangela ukuba baphile ngendlela yokuphila engenamatyala .
Nangona kunjalo, ukuba ukusukela indlu encinci yinto yokukhangela indlu, qiniseka ukuba ugcine engqondweni imingcipheko eqhelekileyo, njengendlela uza kuxhaswa ngayo kuba abaninzi ababolekisi abayi kunika imali mboleko kule ndawo yokuhlala encinci.
Amakhaya amancinci angadala i-$ 10,000 ukuya kwii-40,000 zamawaka, ngoko ke into emele ihlale ingqondweni. Imithetho yokucoca ingabangela umba, ngoko kufuneka usebenze kancinci ukuba ufunde apho "ukupaka" indlu yakho encinci.
Ezinye iindlela zokuCinga
Kukho ezinye iinkqubo "zokucoca izindlu" zokuqwalasela ukuba uneminyaka engama-mill ekhangeleke kakhulu kunene-okanye ukuphelisa ngokupheleleyo-izindleko zakho zenyanga zendlu, kuquka:
- Ukuba sitter yezilwanyana okanye i-sitter yexesha elide,
- Ukusebenzisa i-Airbnb ukuqesha amakamelo angaphezulu endlwini yakho,
- Ukuguqulwa okanye izakhono zokurhweba kwerenti yamahhala, kwaye
- Ukuba ngumntwana ohlala kuyo.