Thenga okulungileyo, Phuma ngokukhawuleza, Themba iqela lakho
Kuthetha ukuthini ukuhlawula indlu?
Ukutshaya indlu kuthetha ukuba uthengisa indlu ngenjongo yokuthengisa, ngokukhawuleza ngokukhawuleza, ngenzuzo.
Akuyiyo i-long-term buy and strategy strategy. Ukuthengisa impahla ngaphandle kokuba uthenge yona akuthethi ukuba uya kwenza inzuzo.
Ngokomzekelo, uthengela indlu i-$ 200,000 kwaye ufake imali eyi-$ 50,000 yokulungiswa. Ukuba uthengisa indlu i-$ 240,000, eyona nto ongayithengayo yona, uya kulahlekelwa yimali xa ucinga kwiindleko zokulungiswa, kunye neendleko ezongeziweyo zokubamba ipropathi kwaye uthengise ipropati.
Luhlobo luni lwePropati oluya Kucelwa?
Uhlobo oluqhelekileyo lwepropati ekhutshulwayo yintsapho enye. Nangona kunjalo, phantse nawuphi na uhlobo lwe-real estate luyakwazi ukuxhamla ngenzuzo. Oku kubandakanya:
- Izindlu ezininzi zentsapho : Amathuba okuqhafaza afaka ukulungiswa kweeyunithi ezikhoyo okanye ukongeza iiyunithi ezongezelelweyo ukwenzela ukuba ipropati ibe yinto ebaluleke kakhulu kubathengi.
- Izakhiwo ezixubileyo: ezi zinto zibandakanya ukulungiswa okanye izongezo ezenziwe kwindawo yokuthengisa, indawo yokuhlala okanye zombini.
- Ipropati yokuRhweba: Ukuphucula indawo ukuze ihambelane neemfuno ezithile, ezifana ne-yokutyela, i-salon okanye igcino jikelele.
- Umhlaba : Ukuhamba kwinkqubo yokwahlula ukufumana oko kuvunyelwe ukusetyenziswa ezithile, ezifana nokuhlala okanye ukuthengisa. Ukufumana ukuvunyelwa kocando kungenza inkqubo eninzi kuxhomekeke kwindlela esheshayo kwaye kulula ngayo isebe lwakhiwo edolophu ukusebenzisana.
I-Key 1: Thenga kwixabiso elifanelekileyo
Ukwenza imali yakho ekuthengeni. Akunandaba nokuba ulungise njani ikhaya ekupheleni xa ubeka imali eninzi ukusuka ekuqaleni, kuya kuba nzima ukwenza inzuzo.
Qinisekisa ixabiso lokuLungisa emva kwe-ARV
Uzama ukucacisa ukuba ungakanani ukuthenga ipropati ukuze wenze inzuzo. Ngoko ke, kufuneka usebenze ngasemva.
Into yokuqala okufuneka uyenze kukuqinisekisa emva kwexabiso lokulungisa le propati. Oku kukukholelwa ukuba ikhaya liya kulungela emva kokugqiba konke ukulungiswa kwipropati.
Uya kufuneka ukhangele amaxabiso athengiswa kutshanje kwiipropati ezifaniswayo kuloo ndawo. Ngoxa ukhangelelanisa ukuthelekiswa akuyiyo inzululwazi eyiyo, kuya kunceda ukukunika i-ballpark yexabiso lekhaya. Ukuba ikhaya lakho libhedi lesine, iibhati ezimbini zokuhlambela kobuKoloni, uya kufuna ukujonga amaKoloni afana nobukhulu obufanayo abaye bathengisa kunyaka odlulileyo. Uya kufuneka wenze utshintsho kwiimeko ezithile ezifana:
- Iphepha lezithuba: Amakhaya amabini anokuba nenani elifanayo leebhedi kunye neebhafu, kodwa enye ingamakhulu amabini anyawo.
- Umgangatho weeNguqulelo: Jonga izinto ezisetyenziselwa ukulungiswa. Ingaba yiloo nto umthengi okhoyo ngoku?
- Indawo: Ezinye iindawo zedolophu ziya kuba ngcono kunabanye: isithili sesithili esingcono, isitalato esilukhunileyo.
- Ubuninzi beLote: Iinqanaba ezinkulu ziza kuba zibaluleke ngakumbi.
- Iinkonzo: Ngaba ikhaya linomgangatho ophezulu womoya, igumbi elisezantsi, igumbi elingaphantsi okanye i-master suite?
Emva kokuba ukhangele iipropati ezifananisiweyo, kufuneka ukwazi ukuza kunye nolwahlulo lwekhaya eliya kulungela xa usugqibile ukulungiswa kwakho. Le Yilungiso emva kokuLungisa.
Ukukhupha iindleko zakho
Ukuze uthenge ipropati ngelixabiso elifanelekileyo, kufuneka uqinisekise ukuba uninzi kangakanani imali oya kucinga ukuba uya kuchitha ekhaya.
- Iindleko zokuvala ekuthengeni: Oku kufaka i-inshurensi yephepha, ukuhlolwa kwasekhaya, iifizi zeejaji, iimali, iifizi zebhanki, iifizi zokurekhoda: usebenzo kunye nokuboleka imali.
- Iindleko zokwakha: Iimvume ezivela edolophini, iindleko zezinto eziphathekayo, indleko yabasebenzi.
- Ukubamba iindleko: Intlawulo yomshuwalense, irhafu, intlawulo kwiphina imali mboleko, iindleko zokusetyenziswa.
- Iindleko zokuvala ezithengiswayo: Imirhumo yommeli, mhlawumbi irhafu yerhafu, Ikhomishina ye-Realtor, iirejista zokurekhoda: umvuzo kunye nemali yokubolekwa kwemali, iifizi zokuhlola i-dolophu: i- Certificate of Occupancy , i-CO, ukuba idolophu iyifunayo, i-creditor's home inspector izakufumana izinto ephosakeleyo ngepropati, ngoko umthengi uya kucela i-credit kuwe ukulungisa ezi zinto.
Yintoni Inzuzo Yakho Yenzuzo?
Mhlawumbi ungahambi kuwo wonke umsebenzi kunye nomngcipheko wokutshiza ikhaya ukwenza i-$ 5,000. Ngako oko, kufuneka uqikelele injongo yakho enenzuzo evela kwi flip. Xa zonke izinto zitshiwo kwaye zenziwe ungathanda ukwenza i $ 20,000? $ 50,000? $ 100,000? Ukwazi ukuba ufuna ukwenza ntoni kunokukunceda uqonde inani onokukwazi ukuyithenga ngalo ikhaya.
Kufuneka uqaphele ukuba unokuba uhlawule irhafu yentlawulo kwiholo naluphi na inzuzo oyenzayo. Ngokuxhomekeke kwibhanki yakho yokufumana imali, kunokufuneka uhlawule nantoni na okanye kufuneka uhlawule imali engama-20 ekhulwini lakho kwinzuzo kaMalume Sam. Unokwazi ukuchasisa le ndleko ngokwenza u-1031 Ushicilelo.
Misela ixabiso elifanelekileyo lokuthenga
Ngoku ukuba uzimisele ukufumana i-After Repair Repair value yepropati, iindleko ezimalunga kunye nokulungiswa kwepropati kunye nemali eninzi ofuna ukuyifumana, unako ukumisela inani elikhulu ozimisele ukulihlawula loo propati.
Emva kokuLungiswa kwexabiso
- Minus Costs
- Minus Incit Motivation
= Ixabiso lokuthenga elifanelekileyo
Le ngongoma apho wenza isipho sakho kunye nethemba lamukelwe. Uye uhamba nomsebenzi omningi ukuza kule nombolo, ngoko ungashukunyiswa ngabaThenteli ukuxelela ukuba ukwandisa ixabiso lakho lokunikezela, ipropati yakho. Wonke ama dollar ngaphezulu ohlawula ipropati yidola yenzuzo enokuthi ulahlekelwa nguwe. Khumbula, uyimali yakho ekuthengeni.
I-key 2: Phuma ngokukhawuleza
Injongo yokutshintsha i-real estate yenzelwe ukwenza inzuzo kwaye yenza le nzuzo ngokukhawuleza. Nawuphi na umtyalo-mali owaziyo uyazi ukuba imarike yendawo yokuhlala ingavula i-dime. Naliphi na inani lezinto ezinokunciphisa ngokuphawulekayo ixabiso lepropati yakho. Oku kubandakanya:
- Ukwandiswa kweeNtengo zenzalo : Xa izinga lentengo liphezulu, abantu abanako ukukwazi ukuchitha imali eninzi ekhaya. Iyancipha amandla abo okuthenga ngenxa yokuhlawulwa kwemali nganye yenyanga yokubambisa imali. Njengamaxabiso enyukayo, amaxabiso asekhaya aya kwehla ukulungelelanisa oku kuyancipha ekuthengeni amandla.
- Utshintsho lwexesha: Ixesha lokuthenga ikhaya linyuka kwiinyanga zasehlotyeni xa abantwana bephuma esikolweni. Iintsapho zifuna ukuhamba ngaphambi kokuba isikolo esitsha siqale. Ukuba awukwazi ukufumana i-flip yakho kwimarike yokuqala yePrint / yehlobo, ungagqiba ukubiza imali eninzi.
- Ukwandisa kwi-Inventory: Enye into enokuchaphazela ixabiso lekhaya lakho liyimpahla engaphezu kweyona ndawo. Esinye isizathu sokuba oko kwenzeke ukuba ngaba inkampani enkulu edolophini iyavalwa, kwaye abantu baqala ukubeka amakhaya abo kwiimarike ukuze bakwazi ukufuduka. Kukho abathengi baninzi kuphela kwigumbi lokulala eli-3, i-2 yokuhlambela i-250,000 yeefama. Ukuba kukho ezintlanu kwiimarike, unokufuneka unciphise intengo yakho ukuze ithengiswe ngokukhawuleza.
- Ukuvalwa kwexesha okanye ukuthengisa okufutshane kwiNgingqi: Ngelishwa, awukwazi ukulawula abamelwane bakho. Ukuthengiswa okufutshane kunye neengqungquthela kwiindawo ziya kuhlawula ixabiso lekhaya lakho.
- Intlekele yeNdalo: Awukwazi ukulawula uMama Wendalo . Iintshukumo, iziqhwithi, kunye neengqungquthela zomlilo zingonakalisa indawo, zishiye amaxabiso asekhaya ngokulinganayo.
- Ukulinganisa kweSikolo esiphantsi: Ukuba ukuhlaliswa kweenkqubo zesikolo kwehla, ummandla uya kuba mnqweno kunokuba ngabathengi.
- Uqoqosho olucebileyo: Xa uqoqosho luyehla, ngokunjalo amanani asekhaya. Abantu abambalwa banako ukuthenga amakhaya, kwaye abo benzayo bafuna ukuchitha imali encinane.
- Imiba engqongileyo / Amandla Amandla: Amanqanaba aphakamileyo e-radon okanye ezinye iikhemikhali zomhlaba, imigqa yamandla ekwakhiwa kwindlu okanye kwipayipi eqhuba edolophini iya kwenza kube nzima ukuthengisa ikhaya lakho nge dollar ephezulu.
I-Key 3: Iqela osebenzisana nalo lingazenza okanye liphule
Impumelelo yepropati flips yenziwe ngokukhawuleza kwaye yenzelwe ixabiso elifanelekileyo. Ukuqeshwa kontrakta engafanelekanga, umyili okanye i-Realtor unokukhawuleza ukuguqula i-flip kwi-flop. Ngokufanelekileyo, uya kuba neqela labantu abathembekileyo endaweni ngaphambi kokuba uvale kwipropati ukuze ungachithi ixesha.
Abayili
Ukuba uya kuqesha umqambi wokulungiswa kwakho, kufuneka uqiniseke ukuba uyazi indawo. Into yokugqibela ofuna ukuyenza iphucule ngaphezulu. Ayikho yonke imizi idinga i-Calcutta marble kunye ne-Brazilian hardwood floor. Unokwenza imali enhle ngesicwangciso esiphezulu somgangatho kunye nocwangciso olucokisekileyo. Iikhiwane kunye neebhate zithengisa amakhaya, kodwa abathengi abaninzi abanakukwazi ukumahluko phakathi kwepaucet ye-$ 400 kunye ne-$ 40 enye.
Ukwazi i-marike kuya kunceda ukunquma uhlobo luni lomthengi olukhangele kule ndawo. Ingaba loo ndawo ithatha ininzi yabantu abangatshatanga, abasanda kutshata, iintsapho ezincinane ezinabantwana abancinci, iintsapho ezisungulwe okanye izilwanyana ezingenanto? Oku kuya kunceda ukufumana indlela efanelekileyo yokulungiswa. Ngaba ukongeza elinye igumbi? Gxininisa kwigumbi lentsapho yezingane? Ingaba i-master suite iya kuba yinto enkulu?
Contractors
Oku kubandakanya oombane, i-plumbers, i-curers, i-roofers, iikontraka ze-HVAC, abapendeli, iimfestile kunye nabani na onokufuna. Ufuna ukufumana amabhidi amaninzi ukwenzela ukuba ufumane intengo efanelekileyo, kodwa ufuna kwakhona ukujonga ubungqina bokuba ixabiso elona lihleko aliwona msebenzi ophezulu. Unokucinga ukuba unayo intengo enkulu ekuqaleni kodwa uya kuphelisa ixesha lokuchitha imali kunye nokuzama ukulungisa umsebenzi wekhontrakthi.
Qinisekisa ukuba ikhontrakthi iyaqonda iimvume ezifunekayo ezifunekayo zikhutshwe kunye nedolophu ngokulungiswa okuza kwenziwa. Idolophu ithatha ixesha elide ukuqhuba iimvume? Ngaba kukho nayiphi na imiba yokucwangciswa okumelwe ivunyiwe? Imiba yemvume ne dolophu inokubamba imisebenzi ngeenyanga kwaye iyanciphise ngokukhawuleza nayiphina inzuzo.
Abaqhagamshelana nabo baqhankqalaza ngokuba "bangaphantsi" ixesha elide eliza kuthatha umsebenzi. Qinisekisa ukuba unomhla wokugqibela othe wenziwa ngontrakta yomsebenzi ozakugqitywa. Kufuneka udibanise imali yengxowa-mali kwi-budget yakho yale mi sebenzi engagqitywanga ngexesha.
Realtors
Ngaba uza kuthengisa nge-Realtor okanye uzame ukuthengisa loo propati ngokwakho. Ukuba uthengisa kunye ne-Realtor, khumbula ukuba kubalulekile ekuthumeni kwabo ekuthengiseni.
Xa ukhetha i-Realtor, kufuneka uqinisekise ukuba bayazi i-marhwebo apho uzama ukuthengisa ikhaya. Nangona usebenze kunye ne-Realtor ngexesha elidlulileyo, abanakho ukulungelelanisa le ntengiso.
Ukongezelela, abaninzi abanomdla banomdla wokwenza ukuthengiswa ngokukhawuleza kwaye bengabathengi ikhaya le dollar ephezulu. Qinisekisa ukuba wenze uphando lwakho kwaye uziva ukhululekile nenani le-Realtor livakalelwa ukuba unokufumana ikhaya. Ufuna ukuthengisa ngokukhawuleza, kodwa awufuni nokushiya imali eninzi kwitafile.