Umfundi uyabuza: Xa sithengile le ndawo iminyaka emi-5 edlulileyo, umfazi wam kufuneka afumane iikhabhinethi zokhuni kunye neBerber, kwaye sachitha imali engama-60,000 kwiimpumelelo. Ukusuka kwiifestile zokutyala, kwi-system yethu yezandi ezizungezile, yonke le mveliso isithatha ininzi. Ngoku, indlu yethu igxininise kwaye iphantsi kwamanzi. Sineemali eziphindwe kabini kunokuba zifanelekile. Ukuze sibuyisele enye yemali yethu, ndiceba ukuthatha i-basch yokuhlambela i-washing machine kunye nathi, kwaye mhlawumbi iifestile, nayo. Bavele baqhekeke kwi-drywall. Ngaba ndingena enkingeni? Ziziphi izakhiwo onokuzithengisa umthengisi ngokuthengisa okufutshane? "
Impendulo: Yinto enhle oye wabuza malunga neendlela zokuqhawula kule ntengiso emfutshane ngaphambi kokuba ubakhuphe. Kwakhona kuzandile ngathi unokuba ngumsindo okwangoku ngoku uchithe imali eninzi kulezo ziphuculo. Ukuphuculwa kwekhaya elitsha ngokuqhelekileyo kubakho apho iindawo eziphezulu zenzalo zikhona. Awuyena mthengisi wokuqala wokuthengisa ukuzisola ngokuchitha imali ngaphezu kokuba ufuna ukuchitha kwiindawo zokuphucula.
Ingxaki kukuphuculwa kwimiba emva kokufakwa. Ukuba udonga oludonga ngodonga luyilungiselelo. Ngaba unokuqhawula i-Berber uze uyithathe nawe? Ngokuqinisekileyo, unako. Kodwa ubusela. Kwaye uneminyaka engama-5 ubudala yokupaka imoto. Ayikho ininzi yemarike yokuthengisa imveliso yokutya. Mhlawumbi ingenzi-nzuzo ingayisebenzisa yona kwipulatifti ye-float float?
Ezi zivalo zokutshala? Basenokubakhokhela i-$ 10,000 ukufakela, kodwa benza isiko kwifestile nganye kwaye abayi kuthunyelwa kwenye indawo.
Ixabiso laso lesitrato mhlawumbi i $ 200. Ndiyazi ngomthengisi omthengisi omfutshane eLincoln, eCalifornia, owususile umnyango wakhe wecala ekhanda ekhitshini. Wanikela kummelwane wakhe olandelayo ngokutshintshela umnyango womgangatho womakhi womlingani wakhe, ongazange afaneleke ukuvula kwakhe.
Ndiyazi ukuba abanye abathengisi bayathukuthela xa bethengiswa ngokufutshane .
Bathukuthele kakhulu kwiibhanki zabo ngokungabancedi. Ngokuqhelekileyo, xa yindoda nomfazi okwenza ukuthengiswa okufutshane, ngumyeni ongu-maddest. Abasetyhini abaninzi kubonakala bebhekiselele ingcamango yokuthengisa okufutshane kunye neyona nto ebandayo. Andiqinisekanga ukuba ngaba abantu ngokuqhelekileyo bafuna ukubonelela iintsapho zabo kwaye bazive ngathi bawayeka phantsi, okwenza ukuba bangaphumeleli engqondweni yabo, okanye kutheni amadoda amaninzi ahlala evakalelwa iimvakalelo ezinzulu. Ndiyazi nje ukuba baninzi babo.
Kungenzeka ukuba amadoda ahlala esesimweni sokulawula. Ukulahlekelwa ubulungisa kwikhaya kukulahlekelwa. Ukuba ukulahleka oko kuhlanganiswe ubunzima bomntu, kunokuxininisa kakhulu ukucinga malunga nokuthengisa okufutshane. Nazi iimvakalelo eziqhelekileyo ngokuthengisa okufutshane:
- Ukulahlwa. Abathengisi bacinga ukuba ibhanki ibancede kwaye abafuni ukukhunjuzwa ukuba ibhanki ayifake ipeni esandleni sayo kwaye yenza ukuba bathenge le ndlu. Bathemba ukuba uqoqosho luya kuphucula, kodwa abayiboni nayiphi na indlela yokuphucula. Bayalinda ukuba imeko ibe ngcono, kwaye ayenzeki.
- Intukuthelo. Bafuna ubulungisa. Bafuna ukufumana. Bafuna ukulawula. Abayi kuzuza naziphi na ezi zinto. Abafuni ukufumana indawo entsha yokuhlala. Ukukhupha eso sikhwama, nangona bafumana ama-bucks angama-25 kuphela kwi-eBay, kufuneka bawenze bazive bebhetele kodwa akunjalo. Okubasa umlilo.
- Ukuxinezeleka. Bakhala ngenxa yokulahlekelwa kwekhaya labo. Amaphupha ayenayo xa befudukela apha aphelile. Into ababeyithembayo yaphela. Eli lizayo alikho. Kufana nomntu oqhekeza umbhoxo ngaphantsi kweenyawo zawo, ngoko banquma ukukhwaza i-Berber.
Iintlobo zeMigangatho ehlala kwiMpahla emfutshane
Nangona ukuthengisa okufutshane kukuthengiswa ngohlobo "njengoko kunjalo" , oko akuthethi ukuba kukulungele ukususa izakhiwo. Iimpawu ziqhotyoshelweyo ngokusisigxina ekhaya. Akunandaba nokuba uthathe indawo yolukhanyiso ngokufaka i-fan ye-plailing control controlled remote , kanye nokuba umfaki unamathele, waba ngumsebenzi.
Ukhuseleko lombolekisi wakho mboleko ngukhaya. Umboleki-mboleko unokube esetyenziselwe wena kodwa indawo yokuqala ebhanki iya kukhangela ukubuyiselwa kwindlu. Yonke into eqhotyoshelweyo kwilo khaya njenge-real estate yinxalenye yokhuseleko lwebhanki.
Ukuba ibonakaliswe, ibhanki inokufaka ifowuni kwinkampani yomshuwalense. Inkampani yomshuwalense inokuhamba emva kwabathengisi abangela umonakalo okanye babambe izixhobo. Izixhobo akuzona ezakho ukuba.
Ukuba ungayikhupha kwaye uyigubile okanye uyikhuphe ngaphandle, iya kuhamba. Ukuba ifakwe kwipropati okanye ikhula emhlabathini, kufuneka ihlale. Nazi iisampuli zeempawu ezifanele zihlale kwikhaya elifutshane lokuthengisa:
- Izixhobo zokukhanya kunye nezilwanyana zokulinda.
- Ukupakisha, ukhuni, i-tile, i-bamboo, i-vinyl, ikhaksi okanye i-ceramic flooring.
- IiKhabhinethi, iibhokisi zokuqhotyoshelweyo kunye ne-shelves.
- Windows kunye neengcango.
- Ukufakela ngefestile.
- Izakhiwo zomlilo ezakhiweyo kunye neengcina.
- Izixhobo zokusebenza ezakhelwe ngaphakathi.
- Amashishini omlilo, ii-HVAC Systems, iplumbing, ithusi kunye ne-Romex
- Inkqubo ye-Cat-5 kunye nomsindo ojikelezayo
- Iiphakamitha zokubala, izinto ezingenanto kunye nezitya.
- Ukubunjwa kwekhanda.
- Iibhokhwe, iibhulophu, iikhabinethi zonyango, ithawula kunye nezibuko.
- Abafaki-zicelo, izilwanyana, izindonga, i-joists, izigulane, iiplate ze-sill neziseko kunye nophahla.
Ngaphezu kwakho konke, khumbula xa uthenge ikhaya lakho indlela ovuyayo ngayo? Yiloo ndlela umthengi omtsha uza kuziva ngayo ikhaya lakho, ukuba awuyi kutshabalalisa. Awulimazi ibhanki ngokususa izixhobo kunye nezixhobo. Uhlawulisa umthengi omtsha. Umthengi owake wakhona. Uzilimaza. Kwaye uphazamise umthengi ohluphekileyo ongazange enze nantoni na kuwe ngaphandle kokufuna ukuthanda ikhaya lakho njengoko uthanda ukuyithanda.