Wena ungumntu ongcono okanye ogqithiseleyo, ubuncinci ongayenza bufakela yonke inzuzo yokugqibela yentlawulo ngaphandle kwayo. Nazi ezinye ezithoba zithuba lakho ikhaya elikunika lona ukugcina oko kukukho.
Amandla ophuculweyo kunye noGuqu
Ukuhlaziya i-smart ngokuphumelela kwamandla kunye nokuzinzileyo phambili kuhlakaniphile kumanqanaba amaninzi.
Ulondoloza inyanga nganye kwiindleko zakho zamandla, indlu yakho ifuna intengo ephezulu xa ulungele ukuthengisa, NAKUBA i-IRS ivuza imizamo yakho.
Ngokwenza intuthuko ye-savvy, njengokufakela iifestile ezibini, i-roofing insulation, uphahla olutsha, okanye iingcango ezintsha zangaphandle, unako ukufikelela kwi-10% yeendleko zazo (ukuya kuma-500 aphezulu). Ukuphuculwa kunoma yiphina isistim esisebenzayo-esinjengomlilo wakho okanye isithandle somlilo - kwaye ufumana i-credit ye-30% yeendleko. Ukudala ikhaya elisebenzayo elisebenza ngamandla aliyona into efanelekileyo emhlabeni, ibhizinisi elisebenzayo.
Ukukhubazeka Ukufikelela kunye nokuNyulwa kweeMpilo
Ukwandisa iingcango, ukongezelela iindawo zokungena, ukufaka izitimela, ukulungiswa kokuphakama kwemimandla yombane, iitshini, okanye ezinye izixhobo zokusebenza ukulungiselela izihlalo zabakhubazekile bonke bangabanjiswa irhafu.
Imali yeNkcitho yoLuntu elifutshane
Ukuba urenta ikhaya lakho iintsuku ezingaphantsi kwe-14, loo ntlawulo ingeyakho kwaye ayihlawulwanga.
Kwaye nangona uhamba kwi-bucks enkulu - ukuqesha i-$ 5,000 okanye i-$ 10,000 ngeveki-isala ephaketheni lakho (kwaye iindleko zokuqeshisa ayinakunyulwa).
Impahla yentlawulo yeeMpahla
Imirhumo yepropati yendawo yokuhlala ehlawulwa kwiindawo zokuhlala eziphambili kunye nekhaya leeholide lichithwa ngokupheleleyo kwiinjongo zerhafu yengeniso.
Kwabaninzi baseMerika, irhafu yepropati ayiyi kubonakalisa kwi-W4. Ekubeni ininzi ihlawula loo ntlawulo kunye ne-mortgage yabo yenyanga, kunokulula ukulibala ukutsalwa. Ukuba uthetha ukutsalwa kwakho, ngokuqinisekileyo kuyafaneleka ukuba wongeze iintlawulo zakho zentlawulo kwipropati ukusuka kunyaka onikezelweyo kubhaliso bakho.
Ukunyuswa kweNzala yeMali
Ukuncitshiswa kweenkwenkwezi ezintlanu. Ikhowudi yentlawulo yase-US ivumela abanini bezindlu ukuba bathathe inzala yomhlalaphantsi kwiimbopheleleko zabo zerhafu. Kubantu abaninzi, oku kukuncinci okukhulu kuba iintlawulo zenzalo zingaba yinxalenye enkulu yeentlawulo zakho zokubambisa ngemali ngexesha leminyaka yokuqala yokuba nekhaya. Ukongeza kwi-interest your mortgage, unako ukukhangela inzala oyihlawulayo ngemali mboleko yemali (okanye umgca wekhredithi).
Ukusebenzisa imigca yokulingana yasekhaya kukuvumela ukuba utshintshe iitaliti zamatyala ekweretheni kwi-mboleko yakho yasekhaya, uhlawule umyinge onomtsalane ongaphantsi kwala mazinga omdla wamanqaku ekhredithi amakhulu, kwaye ufumane ukuncitshiswa kwenzalo.
Iindleko zokuVala nokuThengiswa kweNdlu
Ngonyaka werhafu oyithengayo ikhaya lakho, unako ukubiza amabango okuphuhlisa njengokwehliswa kwentlawulo. Xa uhlaziya, nangona kunjalo, amaphuzu okuhlawula ahlawulwe kufuneka athathwe ngobomi bomboleko. Nanikele ingqalelo kulawo mabalo okunciphisa ukusukela kwixesha, banokungangena.
Intlawulo yeNgeniso yeMali
Ukuba uthengela ikhaya njengeendawo zokuhlala eziphambili ukuba uhlale kuyo iminyaka engaphezu kwembini, uya kuzuza. Xa uthengisa, unako ukugcina inzuzo ukuya kwii-250,000 zamaRandi ukuba ungatshatanga, i-$ 500,000 xa utshatile, kwaye awukhatali nayiphi na irhafu yentlawulo.
Ukukhutshwa kweendleko zokuhamba
Ngamanye amaxesha sizithola sisesikweni sokungaphucula amakhaya ethu kuphela, kodwa kwakhona kufuneka siwaphelise ngokupheleleyo. Ngelixa sele sele sibonelele ukuba ukuthengisa indlu kunenzuzo yerhafu, kufuneka ukwazi nokuba ukuba unyanzelekile ukuba uhambe emsebenzini, unokubhala ezinye izinto ezintle.
Kufuneka ufaneleke, kwaye oko kufaka ukuqinisekisa ukuba i-digs entsha ihamba ngamakhilomitha angama-80 okanye ngaphezulu ukusuka kwindawo yakho yakudala. Kwakhona kufuneka uqinisekise ukuba imihla yokuhamba kwakho ihambelana ngokufanelekileyo nebali lakho.
Ukongeza, ukuba kufuneka uthenge indawo entsha ngenxa yokufudukela komsebenzi , yazi ukuba iindleko zakho ezihambayo - kwaye ezibandakanya ukuthutha, izindlu zesikhashana, kwanokugcinwa, kunye nokuthunyelwa - zonke ziyahluthwa.
Imali yakho. Buyisela kwakhona.