Ukugcina Ubunini Bakho Basekhaya Ngethuba Lamaxesha Aphantsi
Ndiqinisekile ukuba uvile ukuthetha nge- bubble ye - real estate eyenziwa yiingcali ezithile zaseUnited States. I-bulle iyenzeka xa ibhaluni yexabiso lezindlu likhawuleza ngokukhawuleza, ukudala imarike engenakuthengiswa ngokukhawuleza kwaye ingathumela ixabiso kwixabiso eliphantsi.
I-Real Estate Bubble okanye i-Boom?
Kwanjalo iingcali azikwazi ukuvuma ukuba ziphi iindawo zelizwe ezikulo bubble. Abanye bacinga ukuba iindawo ezininzi zineendawo zokuhlala ezithengiswayo, ezithathwa njengokukhula okunempilo okungenako ukuzitshintsha ngokuzenzekelayo.
Boom .... bubble ... kaninzi akukho umgca ocacileyo phakathi kwezi zibini, ngoko kuyacaca ukuba uhlale uzama ukuzikhusela kumngcipheko onokuthi ungabikho.
Abahloli beBlue Bubble
Inkampani ye-PMI Mortgage Insurance ibukela iindwendwe ngokubanzi. Ingxelo yalo mngcipheko wehlobo le-2005 ibiza iidolophu inkampani ikholelwa ukuba yingozi enkulu yokuqhuma kwebhola. Zininzi izixeko eziselunxwemeni kunye neBoston zithetha uluhlu kunye nento enikezelwa ngayo inhlangano yithuba elingama-55.3 ekhulwini lokunciphisa intengo. I-Long Island kunye nemizi emine eCalifornia yimiba elandelayo yengozi ephezulu kwinkalo yenkampani.
Ngubani oMngcipheko omkhulu ovela kwiBhotile eliqhumayo?
Abanikazi baseKhaya abanamalungelo amancinci
Ubungakanani bunani bobunini bendlu onokubakho ngokubakho njengokwakho, umahluko phakathi kwento omele uyenze ekhaya kunye noko kukufanele.
Mhlawumbi uthe wathenga ikhaya kwaye wasebenzisa umboleko ongaphantsi-phantsi okanye ukuhlawula imali ephantsi ukuhlawula imali. Okanye ufumene iimali-mboleko zemali yasekhaya kwaye wasebenzisa imali ukuthenga izinto ezingahambelani nokwandisa ixabiso lekhaya lakho.
Zomibini zezo zimo zikushiya ngokulinganayo. Ukuba ukulingana kwakho kulungele umda ngoku, kunye ne-bubble ye-real estate iyaqhawula, unokuthi unamathele ngokulinganayo okungafanelekileyo, apho unetyala elingaphezulu kwendlu kunokuxabisa.
Oku kungenakuba yingxaki nje ngokuba unako ukuhlala ubeke ixabiso libuye kwakhona - kwaye mhlawumbi liya kuhamba ngexesha.
Kodwa ukuba ufanele uhambise ngelixa ixabiso liphantsi, kunokuba kunzima ukuhlawula iindleko zakho zokubolekwa kwemali kunye nokuvala kwaye usenele ngokwaneleyo ukuthenga ikhaya elitsha kwindawo yakho entsha.
Abanikazi beKhaya abaneeMali zokuHlaba kwiMali
Ukuba ukhethe i-ARM ngeentlawulo zayo ezisezantsi zokuqala ngenxa yokuba uyazi ukuba uya kuhamba phambi kwezinga lokuqala lokunyuka, kunye ne-bubble bursts, ngaba unako ukwenza loo ntlawulo ephakamileyo kude kube nokuhlaziywa kwexabiso lepropati? Imali-mboleko-kuphela yenzalo idala ingxaki efanayo ukuba lixesha lokuba inzala kunye neentlawulo eziyinqununu ukukhaba - kwaye khumbula ukuba ekuqaleni akunikezeli nayiphi na intlawulo efunekayo ukunciphisa inqununu yakho.
Ukuba unako ukulingana okungafanelekanga kunokuba kunzima ukuhlaziya ukuze utshintshe iintlobo zemboleko.
Nabani Omele Ahambe
Ukuba unobulungisa obuhle kwindlu ngokuqinisekileyo unokukwazi ukuthengisa nokuqhubeka. Abanikazi basemakhaya abanokulingana okuphezulu emva kokuhlala kwikhaya ixesha elithile banokudabuka ukuba abazange bathengise xa amaxabiso aphezulu, kodwa angayithengisa ngaphandle kokulahleka. Abanikazi basemakhaya abenzile intlawulo ephantsi, abathengi ngexesha lokukhula kwebhola, baya kuthatha xa bengakwazi ukulinda ixabiso ukuze babuyele.
Iindlela eziqhelekileyo zoBuchule beTyhukhi
- Gcina umthwalo wakho wesikweletu ngokubanzi kunokwenzeka ukukunceda ukulawula ukuhamba okungahleliwe
- Sebenzisa imali yokulingana ukunyusa ixabiso lekhaya lakho , ungathengi izinto zokunethezeka
- Zama ukuthenga ikhaya elinokubakho ngokutsha
Naka ingqalelo kwiimarike zendawo. Jonga izinto ezithengisayo kunye nokufunda oko iingcali zakho zengingqi kunye neengingqi zithetha ngendawo ebalulekileyo yendawo yokuhlala, kodwa khumbula ukuba neengcali azivumelani apho, xa-okanye ukuba -i-bubble iya kuqhambuka . Ukuba yenza, vele uhlale apho, kuba emva kwexesha ixesha elifanelekileyo ukuthengisa utshintsho. Amanani aya kuvuka kwakhona.