Ukuthenga "ikhaya lakho lesibini" kuqala lingaba yindlela efikelelekayo kubunikazi basekhaya
Kodwa oko akugubisi umnqweno wokubeka phantsi iingcambu.
Ngako-ke, abanye abantu abahlala kwiindawo eziphakamileyo kakhulu bathatha umendo omangalisayo kumakhaya abo: Ukuthenga "amakhaya abo" ngelixa beqhubeka nokuqeshisa indawo yabo yokuhlala. Ukuthengwa kungaba yindawo yokubalekela ngeveki, indawo ochitha ixesha lokuphumla, okanye indawo ocinga ngayo ukurenta kwabanye njengomenzi-mali. Kodwa kuhambisane nenkolelo ephakamileyo yokuba ukuba ne-real estate yi-investment investment.
"Xa ukhangelekile, isizukulwana sonke sizame ukuqokelela ubutyebi ngobunini bomhlaba," kusho uMitchell Roschelle, uPwC Partner kunye nomnye wabasunguli beengcebiso zabo zezindlu. Into eyona nto ebaluleke kakhulu ngokumalunga neendawo zokuhlala ekhaya ukuba unayo ixesha elide ukulihlawula, uqokelele ubutyebi. "Uthi" ukunyanzeliswa kwengcinezelo, "uthi, iyimpahla onokuyifumana kuyo umhlalaphantsi, emva koko ubomi okanye ezinye iinjongo .
Kodwa oko akuthethi ukuba ukuthenga ikhaya leeholide ngelixa uhlala urenta kulungele ukuhamba kwakho.
Nazi ezinye izinto ofuna ukuziqwalasela.
I-Real Estate Impumelelo
Kukho ingxabano ezenzelwe utyalo-mali, utshilo uMark Zandi, uqoqosho lwezoqoqosho kwiMoody's Analytics. "Emva kokugqithisa, akukho namnye oza kuthintela amakhaya angatshatanga iintsapho ngaphandle kwamathambo," utsho. "Kodwa kunyaka odlulileyo okanye amabini, abantu abaninzi banomdla kwiindawo zokuhlala eziphantsi kweendawo zokuhlala njengeendlela zokwenza imali ... I-real estate iyabonakala ngathi iya kubuya." UMbutho weSizwe we-Realtors wezomnotho uLawrence Yun uyavuma.
"Ubunikazi bepropati, ngokugqithisa ixesha elide, lunikezela ubutyebi, ngenxa yokuba ixabiso lepropati likhule ngaphezu kwexesha," ushilo. "Ukuxabisa ixabiso kunokunika ukulingana kokuthengwa kwezorhwebo."
Xabiso lokuxabisa
Zonke izakhiwo zendawo, kunjalo, zendawo. Kukho umda omkhulu ekuthengeni i-fixer-engenhla - nokubeka ukulingana kwesithukuthelo ngeveki-ngokubhekiselele ekuthengeni indawo eqhelekileyo kunye nokuthungela apho ungayifaka khona indawo yakho.
Kodwa kuhlawulela ukujonga ukuba yeyiphi ixabiso elinokukwenza kwiindawo ezijoliswe kwiholide. I-Trulia isebenzisa idatha yolwazi ukuthelekisa ukwaziswa kwexabiso kwiikhowudi zeefayili zeeholide ngokubhekiselele kwii-non-vacation. Ngo-2012 nangama-2013, ukubaluleka kwexabiso leminyaka kwiminyaka engekho yeeholide kwakungathi ngamathathu amaxesha eeholide (ama-6.6 ekhulwini kwiindawo ezingenayo iholide kwikota yokugqibela ka-2013, xa kuthelekiswa ne-1.9 ekhulwini kulezo zindawo zeholide). Ngamanye amagama, ikhaya elithengiweyo kwisixeko okanye kwisiqephu se-suburb cishe sinokuxabisa ngexabiso ngokukhawuleza kunokuba ungayithenga kwidolophu yaselwandle okanye kwindawo yasemaphandleni.
Kodwa kwiminyaka embalwa edlulileyo, i-gap isinciphise kakhulu, kunye neendawo zeeholide zihamba phambili. NgoDisemba wokugqibela, amaxabiso kwiindawo zeeholide aphakama ngama-5.2 ekhulwini kunyaka-nyaka, xa kuthelekiswa nama-5 ekhulwini kwiindawo ezingekho zeeholide.
Ukujonga phambili, i-Trulia ibonisa kwangaphambili indawo yokudlala.
Iindleko zokufumana
Kwakhona kubalulekile ukuqonda ukuba ukuthenga ikhaya lesibini kunokukuhlawula imali encinci kunokuthenga okokuqala. Imfuno yokuhlawula phantsi iya kuba yincinci encinci, njengokuba isantya somyinge kwimali-mboleko - ukuya kuma-50 kuya kwe-100 amanqaku ayisiseko, ngo-Yun. Uthi: "Ukususela kumbono womboleki, kuthathwa njengengozi kakhulu," uyachaza. Kungenxa yokuba, ukuba indlu ayiyiyo yokuhlala yakho eyona nto kwaye uwela kumaxesha anzima, kulula ukuhamba, kuba uya kuhlala uhlala khona.
Ngaba Unokuyithintela?
Lo ngumbuzo omkhulu, kwaye ngowona olula ukuyiphutha. Iphutha eliphambili lekhaya lokuqala elibuyisele ekhaya lingaziqondi izindleko zobunini , uthi uRosschelle. "Bakhangele intlawulo yenyanga kwaye beza kunye nenani lezinto ezisetyenziswayo abaya kubahlawula ukuba baqeshisa.
Bakhohlwa ukuba i-bhoiler ijikeleze ngo-1987, kwaye kufuneka babe neepesenti ezili-1 zexabiso lekhaya elitshiyelwe kude kuba into iya kuphuka. "
Isikhokelo sakhe: Ukuba irenti ephakamileyo kwindawo ohlala kuyo imihla ngemihla kunye neendleko zekhaya lesibini zixhasayo ama-50 ekhulwini yengeniso yakho, ayinangqiqo. Enye indlela yokugcina iindleko zeendawo zakho zeeholide ukukhangela ukuthenga kwindawo kunye nomninimzi wabanini abanamakhaya abanakekela ukugcinwa okulindelekileyo: ukunakekelwa kwelinen, ukususwa kwekhephu, kunye nokunye okunjalo.
Ngaba Kuya kuba nguMali?
I-Airbnb kunye neendawo ezifana ne-HomeAway zenza kube lula ukusebenzisa ikhaya lakho lekhefu xa ufuna ukufumana inzuzo xa ungekho. "Kufana nephupha laseMerika kwi-steroids," kusho uRosschelle. "Andiyi kuba yedwa, ndiya kuyenza ibe yoshishini." Yinyathele ngenyameko, nangona kunjalo. Ukuba uyiqashisa ikhaya lakho ngaphantsi kweentsuku ezi-14 ngonyaka, akufanele uhlawule irhafu ngemali. Ngaphezu koko, nangona kunjalo, kwaye ungena kwihlabathi elixakile lentela efuna ukugcinwa kwerekodi ecacileyo kunye nokukhutheleyo. Ubuye ube ngumnini-mnini, oku (ubuncinane) ilahleko kunye (ekugqibeleni) umsebenzi wesibini.
Ingaba Ikhefu Eliza Kukhokelela Ifuna Ukukuthenga?
Ngaba ukhangele ukuthenga kwindawo apho umhlalaphantsi angase afune ukubeka phantsi iingcambu? "Ndicinga ukuba amathuba okuba izindlu zilungile kakhulu, ngokukodwa kwiindawo apho uza kubona abaninzi abahlala phantsi eminyaka embalwa ezayo," kusho uZandi. Ukuba oko kuqwalaselwa, cinga malunga nomntu omdala onokuyifuna ekhaya xa ukhangeleka: IiHolo amakhulu kunye neminyango, igumbi eliphezulu lokulala kwigumbi lokuqala, ukungena ngaphandle kwezitebhisi. Usenokungakwazi ukumbamba zonke ezi zinto (ipesenti encinci yesitokisi sezindlu e-US inabo bonke), kodwa ngakumbi ngcono.