Ukuthenga ikhaya kwiMakethe aphantsi

Ngaba Umele ulindele ukuthenga kwiMarike engezantsi yexabiso lokuhla lasekhaya?

Ukuba i-market yakho ye-real estate iphakathi kweemarike ezantsi, kuyaqhelekile ukuba uzibuze ukuba kufuneka ulinde ukuthenga ikhaya. Wonke umntu ufuna ukwazi ixesha elifanelekileyo lokuthengisa xa kuthengwa ikhaya . Kusemvelo. Ngokukodwa xa ucinga ngokuthenga emakethe apho kuthengwa khona izindlu zamakhaya. Kuyinto eqhelekileyo ukuba uzibuze ukuba baya ngaphantsi kangakanani kwaye nokuba ufanele ulinde.

Abanye abathengi baseKhaya kufuneka bathenge ngokukhawuleza, kwintengiso ephantsi

Ucinga ukuba: "Ewe, uya kuthetha oko. Uyi- Realtor , kwaye amanxusa asoloko athi, 'Eli lixesha elihle lokuthenga.'" Nantsi ke, kungenjalo ungafuni ukulinda ukuthenga phantsi ntengiso.

• Ukuba ungumthengisi ofuna ukunyuka ukuya kwikhaya elithe xaxa kwiimarike ezantsi, ngoku kube yithuba elihle. Ukude ulinde ukuthengisa, ixabiso eliphantsi lakho lekhaya lingawela.
• Ukuba unako ukulungelelanisa indawo yokuhlala, isicwangciso esiqilileyo ukuthengisa ngoku, ulinde iinyanga ezimbalwa, uze uthenge ikhaya lakho elitsha xa ungenayo isithembiso esiphezulu .
• Ukuba uthengisa kwaye uthenge ngexesha elilodwa, uya kuqhuba phambili kumdlalo kuba ukunciphisa intengo ekuthengeni kukukhulu kunokonakala kwintengiso.

Cinga "Ukulahleka" ekuthengiseni i-Home yakho yangoku kwiMarike ephantsi

Ngokomzekelo, tshela indlu yakho yangoku ixabise i-$ 300,000, kodwa ngenxa yokuthengwa kwezinto eziphezulu kunye nabathengi abambalwa, kufuneka unciphise ixabiso lakho ngo-10%. Ngoko, endaweni yokufumana i-$ 300,000, uza kufumana i-$ 270,000 kunye "ulahlekelwe" i-$ 30,000.

Cinga Ngenzuzo Yakho Yenene Kwimarike Ephantsi

Ngoku, khawuqwalasele oku. Kuthe uthenge le ndlu iminyaka elishumi edlulileyo kwaye ukhokhe i $ 100,000. Usengaphambili kwe-$ 170,000, ngaphantsi kweendleko zokuthengisa, akunjalo?

(Le nto iyalahla iintlawulo zenyanga zenyanga, kodwa uya kwenza loo nto ukuba uhlala uyiqesha.)

Cinga nge "Savings" ekuthengeni ikhaya lakho elitsha kwi-Market Market

Ukuba uceba ukunyuka ukuya kwindlu e-$ 500,000, ekhoyo kwimakethe exinekekileyo, unokuthi uthenge loo ndlu kwi-10% isaphulelo okanye i-$ 450,000.

Kuza kuthetha ukuba ugcine i $ 50,000.

Ukuhlaziywa kokuthengisa nokuthenga iinombolo

1. Ngoko "ulahlekelwe" i-$ 30,000 ngokuthengiswa kwekhaya lakho
2. Kodwa "wenza" i-$ 50,000 ekuthengweni kwekhaya lakho elitsha
3. Ngaba akunakufaka i-20,000 zamawaka?

Musa ukulibala iMpembelelo yeeNtengo

Ngayiphi indlela iirhafu zentshukumo ezihambayo? Ngaba zihamba okanye zihamba phantsi? Ukuba inani lesithakazelo lisondele kwixesha eliphantsi lonke kwaye liqala u-intshi ukuya phezulu, ukulindela kunokukuhlawula imali ngaphezu kokuba ucinga. Usenokungakwazi ukuthenga ikhaya ngeliphi na inani. Oku kulandelwayo kwenzeka ntoni ukuba ukhangele imali-mboleko malunga ne-$ 400,000.

• IQINISO: Inani ngalinye le-1/2 linyuka kwizinga lakho lesenzalo likunika i-25,000 ephantsi ngaphantsi kwamandla okuthenga.
• IQINISO: Ukunyuka kwinqanaba le-1 ngalinye kwinqanaba lakho lemali kukunika i-$ 50,000 ngaphantsi kwamandla okuthenga.
• IQINISO: Ukunyuka kwesibini kwinqanaba lakho lemali kukunika i-$ 100,000 ngaphantsi kwamandla okuthenga.

Khangela ukungafani phakathi kwamaxabiso okuthengwa ngokubhekiselele kwiiNtengo zeNzala

Ukuba ubeka phantsi i-20% kwaye ufaneleke ukuhlawulwa kwemali-mboleko engama-80%, nantsi inkokhelo yakho nenqununu kwiintengo zokuthenga ezilandelayo:

Iintlawulo ziphantse zifana. Nangona kunjalo, ikhaya onokukwazi ukuthenga nge-8.25% yi-100 000 yeepesenti ngaphantsi kwekhaya onokukwazi ukuthenga nge-6.25%.

Ukuba ulindele amaxabiso ukuba ahlakele phambili, ixabiso elibonakalayo linokulahleka ngenxa yamanani aphezulu.

Isicwangciso esilungileyo kukulinganisela zonke iingeniso kunye neengxaki zobunikazi bezindlu zangaphambili ngaphambi kokuthatha isigqibo sokuthenga okanye ukuthengisa. Musa ukwethuka malunga neentloko zamaphephandaba. Yenza isigqibo esicacisiweyo. Qalisa iinombolo zakho. Xoxa ne- agent ye-estate estate eneempahla eziza kuqala.

• Intlawulo yeentengiso ezingama-425,000, ngo-8.25% inzala, inkokhelo yakho yi-$ 2,554.
• Ixabiso leentengiso ezingama-450,000, kwi-7.75% inzala, inkokhelo yakho ayi-$ 2,579.
• Intlawulo ye-475,000 yemali yokuthengisa, ngo-7.25% inzala, inkokhelo yakho yi-$ 2,592.
• Intengo yeentengiso zama-500,000, kwi-6.75% inzala, inkokhelo yakho yi-$ 2,594.
• Intlawulo ye-525,000 yexabiso lokuthengiswa, kwi-interest ye-6.25%, intlawulo yakho yi-$ 2,586.

Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.