Xa uthengisa ikhaya lakho, ufuna ukufumana ixabiso elihle unako, akunjalo?
Usenokuzibuza ukuba kuyilungileyo ukulinda ukubeka indlu yakho kwimarike-ngakumbi ukuba i-marhwebo ejikeleze kuwe iyanda. Emva koko, ukuba unako ukufumana imali eminye kwezinye iinyanga ezimbalwa, kutheni?
Ngelishwa, iindleko zemakethe yezindlu ayikuthi inqunywe kwaye iyomile. Kunokuba ugxile kwizoqoqosho, cinga ngezinto ezifana nezo:
- Uhlahlo lwabiwo-mali lweendleko ezihambelana nokuhamba
- Ubungakanani bentsapho yakho
- Imbali yakho yematyala kunye namanqaku
- Ukukwazi kwakho ukuqhubeka nokuthenga imali yakho
Kule nqaku, siza kuhlola indlela iindlela zezindlu ezinokupenda umfanekiso odibeneyo ... yingako kungcono ukubeka "ubuqu" kwimali yakho siqu, kwaye wenze ukhetho lwezindlu olusekelwe kwiimfuno zakho kunokuba wenze uqikelelo malunga qoqosho.
Ziziphi izinto zokuhlala zezindlu ezibonakalisa kude kangaka?
Makhe sijonge indlela iindleko zezindlu eziye zahamba ngayo ngoku kutshanje. Ngokutsho kweCoreLogic, iqumrhu lophando lwepropati, ixabiso lekhaya eliqhelekileyo libone ukunyuka kwama-6,3 ekhulwini ukususela ngoMeyi 2014 ukuya kuMeyi 2015. Ukususela ngo-Ephreli 2015 ukuya kuMeyi 2015, amanani asekhaya ayenyuka ngama-1,7 ekhulwini. Ukongezelela, uMeyi 2015 wabhalwa ngamanani angama-39 elandelelanayo ngenyanga. Oko kuthetha ukuba lo mkhuba uqale ngo-2012.
Imikhwa ayikwazi ukuxhaswa
Nangona kunjalo, iimeko zihamba ngesimo. Abaqinisekanga. Abantu abaninzi basayikhumbula ukuhlaselwa kwezindlu okwenzeka ngo-2007, xa, ngokwemibare ye-Federal Reserve, amakhaya ase-US alahlekelwa ngu-6.3 trillion kwixabiso ngonyaka wama-2006 ukuya ngasekupheleni kuka-2010.
Nangona i-market ithola kwakhona, oku kusebenza njengesikhumbuzo esihle sokuba izinto zihlala ziguquka. Kanye njengoko imarike yemasheya iguquka, kunjalo nakwiimakethe zemizi.
Ukuthetha ukuba yiyiphi, i-Federal Reserve iye yabakho kwiintetho zokunyusa amaxabiso ixesha elide ngoku. Oku kuya kuba nempembelelo kwizinga lokuthengwa kwemali kunye nexabiso lezindlu njengoko ukunyuka kwamaxabiso kumiselwe ukwandiswa.
Nangona i- 30-year mortgage rate isinganiselwa kuma-4 ekhulwini. Abanye abaphengululi bathi banokuphakama kuma-5 okanye kwi-6 ekhulwini ngo-2016. Nangona kunjalo, ezi zibikezelo zezinga lomdla ziyakwazi okanye zingenakwenzeka. Awufuni ukulibazisa ukuthengiswa kwekhaya lakho ngokusekelwe kwimibono yabanye kunye neengxowa zeemarike.
Kuphi ixesha elifanelekileyo lokuthengisa?
Ukuba ukulinda malunga neendleko zekhaya ukuqhubeka ukwandisa akuyona ingcinga efanelekileyo, nini ixesha elifanelekileyo lokuthengisa? Nguwe kuphela ongayiphendula loo nto.
Ixesha lakho akufanele lixhomekeke ngokupheleleyo kwiimarike. Kukho imeko ezininzi ezahlukeneyo onokuzifumana kuloo nto ziya kukuphazamisa enye indlela okanye enye.
Nazi ezinye zokuqwalasela:
Ukufuduswa komsebenzi : Ngaba wamukele umnikelo wokusebenza oweeyure eziliqela? Unokunyanzeliswa ukuba uthengise indlu yakho, ingakumbi ukuba ufuna ukuthenga enye kwaye ungafuni ukujongana nokufuneka ukhokhe ezimbini. Kule meko, ukulinda "ixesha" imakethe yezindlu ayikho. Akukho sizathu sokuhlawula amabhanki amabini anethemba lokufumana imali engaphezulu.
Yintoni ukulingana ekhaya lakho? : Ukuba ngaphantsi kwamanzi kwi-mortgage yakho akunakuze kube yinto enhle, kwaye kuya kwenza kube nzima ukuthengisa ikhaya lakho kwaye ufanelekele enye imali. Ukuba ngaba kunjalo, akufanele ucinge ukuba uthengise de ube wakha okungenani ama- 20 ekhulwini ngokulinganayo ekhaya lakho.
Fumana imeko yakho yezemali ngokukhawuleza okanye ujonge ukuhlaziywa (ukuba umlinganiselo wakho wekhredithi ukhululekile) ukwenzela ukuba imali yakho yokuthenga imali ifikeleleke.
Ngaba unetyala elihle kakhulu? : Ukuba unomlinganiselo wemboleko we-720 + ngokubanzi ukhuthazwa ukuba ufuna ukuthenga indawo yokuthenga imali ekhaya lakho elilandelayo. Oku kuya kunika ukufikelela kumazinga angcono, ukulondoloza amawaka ngeendleko zomdla kwimpilo yakho yemboleko mboleko. Kubuhlakani ukuyeka ukuzingela indlu kuze kube yilapho umlinganiselo wakho wekhredithi ungcono.
Ngaba indlu yakho iqhutywe kakhulu? : Abantu abaninzi bashukunyiswa ngenxa yokuba intsapho yabo igqithe indawo yabo yangoku. Ukuba uphezulu ngaphezu komnye ngamaxesha onke, okanye ukuba kukho iitoni ze-clutter ngeenxa yokuba izinto zakho azilungelanga kwindawo yakho, unokufuna ukucinga ngokuhamba phambili kungekudala. Ukuxinezeleka kwengqondo kunye nokungquzulana okungenako kungenzi ukulinda.
Ngaba ucinga malunga nokuhambisa iindleko? : Xa ujikeleza kwaye uhlolisise indawo eyahlukeneyo unokuzonwabisa, yonke inkqubo yokuhamba ingahle ingabi. Ngaphezulu, oko kunokuba kubi kakhulu. Iilori ezihambayo zinokubiza imali engama-dollar ayiwaka, kwaye ukuqesha abahamba ngexabiso kungabaluleka.
Ngokombutho we-American Moving & Storage Association, ixabiso eliqhelekileyo lokunyuka ngaphakathi kwiphondo li-$ 1,170 - linyuka ukuya kuma-5,630 ayi-$ xa usuka ngaphandle kwimeko. Awufuni ukuhambisa amakhaya ukuba uya kubeka ityala . Lindela de ube usindiswe ngokwaneleyo.
Thengisa xa ixesha lilungele wena
Ngokubanzi, kufuneka wenze isigqibo xa ixesha elifanelekileyo lizothengisa.
Kukho izinto ezininzi eziza kuthathelwa ingqalelo, kwaye izindleko zezindlu mazibe phantsi kweluhlu lwakho. Akuyona into ongayilawula ngayo, kwaye ukusekela isigqibo sakho sokuhamba kuyo akusibulumko.
Yenza okulungileyo wena kunye nosapho lwakho. Yenza izigqibo ezingekhe zisekelwe kwiimarike, kodwa kunokuba zisekelwe kwiimfuno zakho kunye neemeko zakho. Ukuba udinga uncedo ekunqumeni ukuba ungayibhalisi ikhaya lakho okanye ungayibhaleli, khuluma ne-agent ye-estate estate ethembekileyo anokukukhokela.