Inzuzo Yomntu Omtsha weNkcazo iVimba rhoqo kwiiNkqubo zokuPhucula
Xa kuziwa kubakhi bakha abasha bekhaya kunye nokuphuculwa xa kuthengwa ikhaya elitsha lomntu, ngumntu ngamnye. Kwakhona kwaziwa ngokuba ngamaxesha anqabileyo ukubiza amanyathelo angqongqo. Into yokuqala yokwenza xa ucinga ngokuthenga ikhaya elitsha kukuqesha i-agent yakho. Ungacingi ukuhamba ngeenyawo kwindawo entsha yokuhlulwa kwekhaya ngaphandle kwe-arhente yakho okanye mhlawumbi unako ukuyisebenzisa. Umakhi uza kubhalisa njengomthengi ngokwakhe kwaye oko kuya kubakho konke abhalayo.
Ngeke ukwazi ukuba kwenzekile.
Unokukhangeka lula ngokutsha kwakha izakhi zasekhaya. Kwiimarike ezithengiswayo zezindlu , abanye abakhi bamakhaya abanikezela ngeeholide kwiindawo zokuhlaziya zaseHawaii. Abanye bazama abathengi basekhaya abanemoto entsha okanye i-screen enkulu ye-Smart TV, okanye bathembisa ukuphucula i-free Galagrax granite counters efakwe ngaphandle kwentlawulo ekhitshini kunye nasebhasheni. Ukuba ubamba iinzwane zakho ekungcola, banokuthi baphoswe kwindawo ekhululekile yokubhukuda .
Unokuzibuza ukuba kulungele ukuthini ukuxhoma kulezi zilingo. Kuthiwani malunga nokunikezelwa kwamakhaya abathengisi ngokubonelela ngeempendulo? Izaphulelo ezininzi zamacilongo, iindleko zokuvala ezihlawulwa ngokukhawuleza, umbutho wamahhala womntu ongenamalungelo onyaka okanye ukubonelela ngokuhlawulwa kwentlawulo yepropati yakho. Benza konke okufutshane ukuma emakhanda abo kubathengi be-coax ekuxininiseni kanzima kuba ikopi yesithathu iyenayo.
Iingcebiso zokuphucula umakhi
Kungakhathaliseki uhlobo lweemarike, nokuba ingaba ithengisi okanye umthengi wamathengi , abakhi bakha abasha bahlala behlaziya izikhuthazo.
Ukuphuculwa kwamahhala, nangona kunjalo, phantse njalo ihamba. Umakhi angavuma ukuphuculwa ngokutshintshela ukuba wenze enye okanye ngaphezulu kwezi zinto zilandelayo:
- Thenga ngokukhawuleza.
Ukuba awulungele ukwenza isipho , musa ukunyanzeliswa ukwenza isigqibo ozozisola emva koko. Basenokukuxelela into enokuthi ayikwazi ukulinda, kodwa inako. Ngaphandle kokuba ikhaya lokugqibela lifumaneke.
- Yenza iDisposithi yeMali eXhasayo.
Funda isivumelwano sakho. Idiphozithi yakho yemali echanekileyo ayiyi kubuyiselwa yiphina isizathu nangaliphi na ixesha. Buza i-arhente yakho malunga nokubuyiselwa kwembuyekezo.
- Hlala ummeli weMenzi woThengisa ikhaya lakho elikhoyo .
Kungcono ukuba uqeshise ingcali yendawo yokuhlala ukuba uthengise ikhaya lakho kunokuba uqeshise i-arhente yoluhlu olungathengisi kwindawo yakho. Ummeli wakho wendawo uza kuba nolwazi lwe-arhente yomakhi alinayo kwaye mhlawumbi alwa nzima kunokwandisa inzuzo yakho.
- Sebenzisa iSakhiwo seMali yoMakhi.
Urhulumente unokumisa ukuba lo mkhuba kuba ungaphula umthetho we-RESPA kunye nemithetho yokuchasana. Ngaphezulu, unakho ukuhlawula ngaphezulu kwizinga kwaye ufumane imiqathango encinci. Abakhi banqwenela ukubambelela abathengi ukuba bafumane ukulungelelanisa ngokwabo ngabathengi babo ukuqinisekisa ukuba unokufumana imali mboleko. Abazithembi ukuthemba abathengi bokuthenga ngempahla, nabo bathi, abameli bezindlu.
- Hlawula ixabiso lentengiso .
Ukuba uhlawula i-$ 50,000 ngaphezulu ekhaya kwaye ufumana i-R10 000 kwi-upgrades yamahhala, usengaphandle kwe-$ 40,000; ukuba i-mortgaged, uhlawula umdla kuyo.
Ukuphuculwa komakhi onikezelayo kunokukuhlawula iindleko ngaphezulu. Abakhi bakha abasha abangekho kwishishini lothando. Bafuna ukwenza inzuzo. Qaphela ukuba amanqaku amanqaku omakhi aphuculweyo, kuba umakhi uthenge izinto kunye nezixhobo zombane okanye kwi-wholesale.
Ngoko, ufumana urhweba lokuthengisa, kwaye umakhi usenza inzuzo kuwe.
I-Freebies e-Luxury and Exticements
Unokubetha idola lakho eliphantsi ukuba umakhi omtsha wekhaya unako ukufikelela kwixabiso lentengo kwizinto eziphathekayo ze-freebies. Unako ukufumana isaphulelo ukuba uthenge ezo zinto ngokwakho.
- Iiholide zamahhala.
Umakhi angakhangisa, "I-Cruise ye-Free ukuya eTahiti ixabisa i-$ 10,000." Qinisekisa iindleko zelo thuba ngezinye i-arhente zokuhamba. Ngaphezu koko, zibuze ukuba ungayithenga indawo yeTahiti. Ukuba impendulo ayikho, awuyi kuwukhupha ngokukhawuleza, imali ebandayo yolu hambo, uze uyidlule. Abaninzi abahambahamba baya kudlula eTahiti baze batyelele kwezinye iiqithi, nokuba kunjalo.
- Iimoto zamahhala.
Uninzi lwemali yokunikezela imoto yamahhala abakhi bhengezo abasisisipho esicacileyo senqwelo entsha. Ziqeshiso. Imoto eqashisayo kufuneka ibuyiselwe kumthengisi ekupheleni kokuqeshisa, okuyiminyaka emibili ukuya kwimithathu. Ufumana ilungelo lokuqhuba isithuthi, kungekho isithuthi, kunye kunye nookuhlawula iiprimiyam eziphezulu ze-inshorensi. Unako ukujongana nemirhumo yokuqeshiswa kweqeshiso, ngokukodwa ukuba udlulile kwimilinganiselo ye-mileage okanye uwonakalise isithuthi.
- Iziko zoLonwabo
Ingaba kukho i-smart-screen ye-Smart TV okanye i-home-based surroundings system, i-electronics iyancipha ngokukhawuleza kwaye ixabiso layo lilonke kwibhodi. Ngaba ungayithenga yakho? Ukuba kunjalo, unokufumana imodeli ehlaziyiweyo kumawaka angaphantsi kwexabiso lomakhi. Ngaba kukho into ephosakeleyo ngeTV yakho?
Ukuthengiswa kwempahla
Ndiza kuthetha oku kwaye ndize ndihambe nazo. Nantoni na into ekuthengisayo ngayo into oyihlawulayo. Iindleko zifakwe kwixabiso lokuthengisa. Ukuba uhlawula imali ekuthengeni ngokufumana imali yokubolekwa kwemali , mhlawumbi ihlawulwa nguwe. Uhlawula umyinge weminyaka engama-30 yokulungiswa kwemvume.
Yinto enye ukuba uyavuma, uthi, hlawula i-$ 200,000 ekhaya kwaye, emva koko, umthengisi unikezela ukuhlawula i-3% yeendleko zakho zokuvala . Kodwa oko akunqabile ukuba kusebenza njani. Ngokuqhelekileyo, wenza isipho kuqala, kwaye kweso siphakamiso ucela imvume yoku-3%. Ukuba umdayisi uyamkela ukuba unikezele, unokuthengwa ngokuthe tye ngekhaya nge-3% ngaphantsi. Ngaba ufuna ngokwenene ukuhlawula iindleko zakho zokuvala iminyaka engama-30?
Kunoko, thelekisa ixabiso lezo zinto. Umzekelo:
- Imirhumo yePropati yePropati .
KwiCalifornia, ikhaya eli-$ 200,000 lingafumana ibhilikhi yentlawulo yepropati ye-$ 2,500 ngonyaka.
- Iintlawulo eziManyeneyo.
Ukuba iimali zakho zi-$ 100 ngenyanga, i-$ 1,200 ngonyaka. Ngaba unyaka wamahhala wombutho wabanini-mhlaba unelungelo lokuthengisa into?
- Inzala yokuThengisa iAsk
Ukuba wenza i- mortgage buydown , loo mali yokuthengwa ihlawulelwe kwi-balance balance mortgage yakho, kwaye ukuthengwa kwempahla kunokusebenza kwiminyaka embalwa nje kuphela, kungekhona ixesha elipheleleyo le mboleko yakho.
- Amaphuzu okuphuhlisa
Ingongoma nganye yeemboleko ilingana no-1% yemali yakho yemali mboleko. Kwi-200,000 yemali yemali, loo mali i-$ 2,000.
- Iindleko zokuvala ezihlawulwa kuqala
Abaninzi ababolekisi abayi kuvumela umthengi ukuba athathe ngaphezu kwe-3% yemali kwiindleko zokuvala . Kwi $ 200,000, eso sixa si $ 6,000. Ngokuqhelekileyo kunenzuzo yokuhlawula iindleko zokuvala ngokukodwa, kunye nenye yayo irhafu echithwayo.
Khumbulani ukuba umdlalo odlalela udlala neekomityi ezintathu nebhola? Ibizwa ngokuba ngumdlalo weShell. Ibhola elincinci lifakwa phantsi kwekomityi. Umqhubi uya kugubha iikomityi ezintathu ngelixa uzama ukufumana indebe ibhola. Ukuhamba kakuhle kwamandla. Awusoze uphumelele lo mdlalo. Ngoko, sebenzisa amanani kulezi zizathu zokukhuthaza kunye neemvume ngaphambi kokuthenga. Yiba ngumthengi wekhaya ohlakaniphile .
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.