Indlela yokuthenga indlu ngaphandle kwe-mortgage
Ungazalisekisa iphupha laseMelika lobunini bekhaya kanye njengekhaya elinomqeshi omnye. Ukuba nempahla endaweni yokurenta kusenokulunga nakwimali yakho, njengoko usakha i-equity kwipropati onokuthi uyithengise kamva endaweni yokuphosa imali kumnini-mhlaba. Ke ukuba unomdla ekuthengeleni indlu kunye nosapho lwakho, nantsi into ekufuneka uyazi.
Mhlawumbi eyona nto ibalulekileyo ekuthatheni isigqibo sokuba uyarenta okanye uthenge lixesha elingakanani olindele ukuhlala kwindawo yakho entsha. Ngokubanzi, ukuba awulindelanga ukuhlala apho iminyaka emihlanu ubuncinci, ukurenta mhlawumbi linyathelo elikrelekrele ngokwezimali.
Ukuba uceba ukuhlala apho iminyaka emihlanu nangaphezulu, thelekisa imali oyihlawulela irente kunye nemali onokuyihlawula kuloo ndawo. Intlawulo yokubambisa idla ngokuba ngaphantsi kwerenti, kucingwa ukuba indawo ofuna ukuyithenga iyafana naleyo uyirentayo. Oku kungenxa yokuba umnini uhlawula ngokufanayo nawe kwinqununu, inzala, irhafu, imirhumo ye-HOA, kunye nolungiso, kunye nentwana eyongezelelweyo yengeniso.
Ndinendlu engenamali yokubambisa
Ukuthenga indlu ngaphandle kwe-mortgage akulula, kodwa kunokwenzeka. Khawube nomfanekiso-ngqondweni wendlela ovakalelwa ngayo xa ungenayo imali yokubambisa, usazi ukuba indlu yakho yeyakho ngokupheleleyo yaye awuzange uyithenge ngemali oyibolekwe ebhankini okanye komnye umbolekisi.
Eyona ndlela icacileyo yokuthenga ikhaya lakho ngokuthe ngqo kukugcina imali eyaneleyo ngexesha elithile ukwenza oko. Oku kunokuvakala kunzima, kodwa kufuneka ucinge ngendlela ophila ngayo ngoku kunye nendlela onokuthi unciphise ngayo umva kwezinye iindawo. Mhlawumbi uya kwiiholide zobomi obutofotofo ngonyaka, okanye utye ngaphandle rhoqo, okanye u-odole izinto ezininzi zokuthatha. Ukuba uzimisele ngokuthenga ikhaya ngaphandle kwe-mortgage, obu bunewunewu bunokufuneka buhambe.
Ngokophononongo olwenziwe ngenkonzo edumileyo yokuhanjiswa kokutya i-Deliveroo, umndilili waseBritani uchitha malunga ne-£1.000 ngonyaka ekutyeni okuthathayo. Oku kulingana malunga ne-£ 80 ngenyanga. Kwiindawo ezinjengeLondon ne-Edinburgh, lo mndilili unyuka uye kutsho ngaphezu kwe-£100 ngenyanga. Kwaye ngokutsho kweEvolution Money, umndilili weholide yeeveki ezimbini kusapho oluneendleko ezimalunga ne-£4.792, kwaye le mali iyonke ayibandakanyi ukuchitha ekutyeni ngelixa ungekho. Ngokunciphisa olu khetho lwendlela yokuphila, unokufumanisa ukuba ungagcina amawaka eeponti kwikhaya kwiminyaka nje embalwa.
Iindlela ezizezinye zokuba nekhaya
Ukungamazisi umbolekisi wakho ukuba ujonge ukurenta ikhaya kunokonakalisa imali. Ngokobuchwephesha, umbolekisi wakho unokufuna imbuyekezo kwangoko yemali ebolekwayo, into uninzi lwabaninimzi abangenako ukuyihlawula.
Nangona imali-mboleko yezindlu ihlala ibiza kakhulu kuneentengiso zokuhlala, oku akusoloko kuthetha ukuba imali-mboleko ibiza kakhulu kwangoko. Ababoneleli abaninzi bayakuvuma ukuboleka imali eseleyo ngaphandle kokunyusa izinga lenzala.
Iibhanki kunye nabanye ababolekisi badla ngokujonga imali yokubambisa ekhaya njengento enobungozi kunabanikazi bezindlu. Ixesha lokuphumla - ixesha apho kungekho ngeniso yerenti phakathi kwabaqeshi abahambayo kunye nabasanda kungena - kunokwenzeka kakhulu, nto leyo enokubeka emngciphekweni ukubuyiselwa kwemali.
IBhanki yaseNgilani ikhokele ekulawuleni imarike yemali-mboleko yomnini-mhlaba, yazisa imithetho engqongqo yokufikeleleka kubanikazi bezindlu ngo-2017. Olu tshintsho, kunye nokuhlengahlengiswa kwerhafu yezohlwayo, luye lwakhupha amakhulu amawaka abaninimzi ngaphandle kwemarike.
Thenga indlu ngaphandle kwe-reddit yokubambisa
Xa ungumnikazi wendlu, ungasebenzisa iimali-mboleko ezahlukahlukeneyo ukuze ufumane imali-mboleko ngexabiso lekhaya lakho. Iinketho ezilungileyo zokusebenzisa i-equity ekhaya ngeqondo eliphantsi lenzala ibandakanya i-cash-out refinancing, i-home equity loans, kunye ne-home equity lines of credit (HELOCs).
Ungaboleka ukuya kuthi ga kwi-80% yexabiso lekhaya lakho. Nge-VA cash-out refinancing ungafumana ukuya kuthi ga kwi-100% yexabiso lekhaya lakho, kodwa ngamagqala kuphela kunye namalungu asebenzayo enkonzo afanele ukubolekwa imali kwi-VA.
Abanini bezindlu banokuboleka ukuya kuthi ga kwi-80% yexabiso lendlu yabo kunye nemboleko yezindlu, eyaziwa ngokuba yimali mboleko yesibini. Nangona kunjalo, ezinye iibhanki ezincinci kunye neemanyano zamatyala zinokukuvumela ukuba ukhuphe i-100% yenkunzi yakho.
Iimali mboleko zezindlu zinenzala ephezulu xa kuthelekiswa nenkxaso-mali, kodwa amazinga asezantsi xa kuthelekiswa nekhadi letyala okanye imali mboleko. Njengoko iyimali-mboleko yezavenge kunye nenzala emiselweyo, uya kuba nomrhumo omiselweyo wenyanga.
Ungasebenzisa imali yakho. Kodwa ukuba awunayo imali eninzi-okanye awufuni kuchukunyiswa ukonga kwakho okanye olunye utyalo-mali - i-cash-out refinance okanye i-home equity line yekhredithi inokukunceda uthenge enye ipropati.
