Iintshukumo zentsapho zinokuchaphazela ukukwazi ukuboleka kubazali bakho
Umfundi uyabuza: "Umyeni wam kunye nathi sifuna ukuthenga ikhaya lethu lokuqala, kodwa amanani exabiso lendawo yokuhlala aphezulu kunokuba sasicinga. Sifuna ama-dollar angama-20 000 kwaye andinalo. Abazali bomyeni wam bangasinika imali yokuhlawula, Ukubonelela ukuba sinokubuyisela ukuyibuyisela kwakhona? Ingaba kukho indlela eyimfihlo yokuqinisekisa abazali bakho ukuba bakunike imali? Singawuthatha njani ibhanki kamama kunye noyise ukuba bathenge ikhaya lethu lokuqala baze bahlale behlala uxolo kwintsapho? "
Impendulo: Iingxaki zentsapho zingenza kube nzima xa ucela abazali imali, kuba yonke intsapho iyahluke. Kuya kuba lula ukuthetha ukuba bonke abazali abaneendlela bangathanda ukubanceda abantwana babo bathenge ikhaya, kodwa akusoloko kunjalo. Kuthatha umgudu wokuqinisekisa ukuba abazali bakho banike imali.
Xa ndithenge indlu yam yokuqala, ndafumana iindleko zokuhlawula kunye nokuvala. Into endingazange ndiyibeke kuyo yayimeko yokuboleka imali eyayifunayo ukuba ndihlawule imboleko yam yemoto ngaphambi kokuba ndifumane imali. Ndambiza umama wam uncedo. Wathi, "Kutheni ndifanele ndikuncede? Akukho mntu wandinceda." Kwakungekho impendulo endilindele.
Wayenayo imali ebhankini kwaye yayincinci. Ndathembisa ukumbuyisela emva kweenyanga ezimbalwa. Wabaza. Ndacinga kwiibhokisi ezinyathelwe kwigumbi lokulala kwaye ndabala iintsuku ezimbalwa eziseleyo kwikhalenda ngaphambi kokuba ndifanele ndishiye inqashiso yam kwaye ndikhutshwe, "Kuba ukuba unganginika yona, ndiya kuba semnyango wakho kunye namasutukhasi kunye nekati phantsi kwengalo nganye. "
Wayefakela ifowuni kwaye wathintela imali kwi-akhawunti yam.
Izizathu Zabazali Banika Abantwana Ukuhlawula Imali
- Abanye abazali bafuna ukuba abantwana babo babe nekhaya.
Ukuba ngabazali bakho banekhaya, iimfuno zabo zifuna ukukubona kubunini bekhaya.
- Abazali bazive benamandla xa abantwana becela imali.
Ubanika ukwaneliseka ngokwabo ukuba bayaziyokwenza ukuhluka kwimpilo yabantwana babo abadala.
- Abazali bakho bafuna ukuqinisekisa ukuba baya kuba nabazukulu.
Uninzi lwabazali bavakalelwa kulula ukukhulisa abantwana kwikhaya phezu kwendlu; emva kwayo yonke, ubunikazi bekhaya ngumphupha waseMerika. Bafuna ukuba abazukulwana babo bahlale kwintsapho.
- Abazali bafuna ukukhokela abantwana kwinqanaba elilandelayo lokuphumelela kwaye bangalindelanga ukuthanda ukwahlula.
Abazali bakho bayazi ukuba kunzima kangakanani ukuba bathenge ikhaya labo lokuqala, kwaye bafuna ukwenza kube lula kuwe.
- Abazali bayakuthanda.
Ungalokothi ulibale ukuba i-ace emgodini. Abazali bakho bafuna ukuba ube nolonwabo, uphumelele kwaye ujabulele konke ukulunga obunokukunika ubomi. Ukuba bangaba yinxalenye yale mpu melelo, bayaphumelela, nabo. Ngaphezu komthengi omnye wamqinisekisa abazali bakhe ukuba bamnike imali ngokudlala ikhadi lokuthanda.
Iintlawulo zerhafu. Imithetho yentela ivumela abazali ukuba banikele izipho zemali kubantwana babo ukuya kwiixa ezithile ngaphandle kokuhlawula irhafu yesipho. Ukufumana ulwazi oluthe vetshe, qhagamshelana nomthengisi weerhafu.
Ukucela Abazali Bakho Ukuba Bawuthenge Imali
Nquma ukuba ufuna ukuyibuyisela imali okanye uyamkele njengesipho. Ukuze uncede bakholise abazali bakho ukuba banike imali, nakhu izicebiso ezimbalwa:
- Buza abazali bakho ngemali kumntu.
Musa ukwenza phezu kwefowuni.
- Yiba ngumxhasi.
Yilungele ukubonisa abazali bakho ukuba awuyiyo yonke intetho kodwa uyisenzo. Uthabathe amanyathelo okufumana i- mboleko yokumangalelwa kwemboleko evela kumboleki. Ukuba umbolekisi unokholo ekukwazi kwakho, abazali bakho banokholo.
- Bonisa abazali bakho uqeshe igosa.
Ngommeli womthengi ngakwicala, abazali bakho baya kukubona kwaye ulungele. Nika abazali bakho ikhadi le-ejenti.
- Buza abazali bakho ukuba bajonge amakhaya kunye nawe.
Abazali bakho banokukunceda wenze isigqibo esifanelekileyo. Basenokuba neziphakamiso ezinkulu kuwe ngokusekelwe kumava abo.
- Chaza iimfuno zakho zemali.
Njengesiqabane, unokufumana imali engenayo, kodwa iimfuno zokuxininisa zingenza kube nzima ukulondoloza. Ukuba ixabiso lentengo lihle kwaye ixabiso elikhangayo, ngoku kungathi ixesha lokuthenga.
Ukuba ukhetha ukubuyisela isipho, unako ukulungiselela ukuba wenze njalo ngaphandle kwemali xa uthengisa ikhaya phantsi komgwaqo.
Ngethuba lokubhala, u-Elizabeth Weintraub, Cal BRE # 00697006, ungumhlobo we-broker kuLyon Real Estate eSigramento.