Kodwa into yokuba inzuzo yakho ngokuthengisa indawo yakho yokuhlala eyona ndawo iyakuthi ibe yincinci-ukuba ikhona.
Ukuxabiswa Kwempahla Yempahla kunye nexabiso
Into yokuqala yokuqwalasela ukuxabisa ekhaya kwiimeko zokunyuka kwamaxabiso.
Usenokumangaliswa ukuba uqaphele ukuba ukuxabiseka kwekhaya lakho kunokukhutshwa ngumlinganiselo wokunyuka kwamaxabiso. Oku kuyinyani ngokukodwa ukuba awuhlali kwindawo yokutshisa impahla. Siva amabali amnandi okubulela kwiindawo ezithile zelizwe, kodwa abaninzi abantu bathenga izindlu kwiindawo apho ukuxabiswa konyaka kungavumi ukubethelwa kwamanani emali.
NgoSeptemba 2007, ngokwe-Federal Reserve Bank yaseSt. Louis, intengo yokuthengisa yamakhaya amatsha athengiswayo eUnited States yayingama- $ 240,300. NgoSeptemba 2017, elo nani lalingama-319,700. Nangona kunjalo, xa uqhuba amanani athile usebenzisa i-Inflation Calculator yase-US, enye yolu xabiso luyalala. Kunokuba sibone i $ 79,400 ngexabiso, ixabiso langempela lelo xabiso lisondele kwi $ 33,648.
Oko kusabonakali kubi kakhulu. Emva kwakho konke, inani lekhaya lakho liye landa ngaphezu kwama-30,000. Kodwa masingakulibali ngeendleko.
Ukufumana iKhaya eliza kunye neendleko ezongeziweyo
Emva koko, kufuneka ukhuphe iindleko zobunikazi basekhaya ukusuka kwiintlawulo zakho.
Masithi ufumana imali ye-250,000 kwi-interest rate ye-3.92 iphesenti. Kule minyaka engama-30, ngokwe-Google mortgage calculator, uza kuhlawula i-$ 175,533. Nangona ikhaya lakho lixabisa ngemali engama-30,000 engama-10 000 nganye kwiminyaka eyi-10 (i-$ 90,000), oko akukwanele ukukhupha umdla ohlawula ngawo mboleko.
Kwaye umdla owubhatalayo awona yindleko kuphela ojongene nayo. Khumbula ukuba uhlawula irhafu yentlawulo kwiindawo ezininzi. I-Calculator ye-mortgage Calculator yase-Student iquka ukubalwa kweerhafu yepropati. Ukuba irhafu yakho yepropati ifikelela kuma-1.5 ekhulwini ngonyaka, unako ukuhlawula irhafu yentlawulo eyi-117,000 kwi-30 iminyaka. Yaye loo nto ayifumanga ukunyuka kweerhafu kwipropati-njengokuba ikhaya lakho lixabisa kakhulu, ngokunjalo iirhafu zakho zepropati.
Kuyinyani ukuba unako ukuhlawula ezinye zeendleko zakho kwirejista yakho yerhafu, kodwa ukuncitshiswa akunaxabiso elifanayo njengetyala. Inokunciphisa umvuzo wakho kunye nentlawulo yakho yerhafu, kodwa kungekhona kwi-dollar-to-dollar basis. Ngaphandle koko, ngokweSatifikethi seRhafu, kuphela malunga neepesenti ezingama-30 zemizi. Ngaphandle kokuba uphakathi kwalabo abakwenzayo, awuyi kubona nayiphi na inzuzo yerhafu ehambelana nomyinge wakho.
Ezinye iindleko ezinxulumene nobunini bezindlu ziquka ukugcinwa kunye nokulungiswa, kunye nabanini-bhorensi yabanini. Kusenokwenzeka ukuba uhlawule i-inshurensi yokubolekwa ngemali xa ukuhlawula kwakho kungaphantsi kwama-20 ekhulwini. Ngethuba elixhomekeke kwiminyaka eminyaka yalezi zindleko, zongezwa kwi-interest interest yakho kunye neentlawulo zepropati, amathuba okuba aphule nokuba azincinci-nokuba ngaba ikhaya lakho lixabisa ngokubaluleka kwexesha.
Kuthiwani Ukuba Uphela Ukuthengisa Ngokungazelelwe?
Sithanda ukucinga ukuba i-market market ye-real estate iya kuhlala isenyuka. Nangona kunjalo, njengoko sibonile phakathi ko-2007 no-2009, i-real estate ingenza i-bubble njengeyiphi enye into. Ukugqitywa kwebhola ye-real estate kwakha imeko apho amawaka abantu aphelile ukulahlekelwa yimali eninzi. Ukuba unako ukukhwela ukuhla kwexabiso, unganakho ukulahlekelwa.
Nangona kunjalo, ukuba unyanzelekile ukuba uthengise ngexesha lokwehla kweemakethe zendawo, akukho nto ongayenza ukuze ulungise imeko. Unokuphelisa ukulahlekelwa yimali ekhaya lakho, ngaphezu kwezinto oye wahlawulwa ngentshisekelo, irhafu kunye nezinye iindleko.
Kuthiwani Ngokuqeshisa?
Ngokuqinisekileyo, njengoko ungaphelelekanga utyalo-mali njengokuba kuthengwa, kunokwenzeka ukubonisa ukuba ukuqeshisa akunakho isisombululo. Emva kwakho konke, xa wenza imali yokuthenga imali, ubuncinane ukwakha ubulungisa ekhaya lakho.
Xa uqashisa, unceda umninikhaya wakho akwazi ukulingana.
Nangona kunjalo, oko akuthethi ukuba ukuqashwa kufuneka kugwenywe kuzo zonke iindleko. Ngokuxhomekeke kwiimarike zakho, ukuqashisa kungenza ukhetho olungileyo, nokuba oko kuthetha ukuba awuyikwakha ubulungisa.
Oku kunjalo ngokukodwa Ukuba uhlala kwindawo enamaxabiso aphezulu asekhaya, kwaye unako ukuqesha imali engaphantsi kweendleko zenyanga zonke zokuthenga imali, ukugcinwa kunye nezinye iindleko. Akukuphela nje ukugcina imali rhoqo ngenyanga, kodwa unako utyalomali umahluko kwiimarike kwaye unokubona ukuxabisa okukhulu kunokuba wawufumene kwi-investment home.
Phakathi koNovemba 2007 noNovemba 2017, i-S & P 500 inokubuyiswa ngonyaka kwi-9,672 ipesenti, ihlengahlengele ukunyuka kwamaxabiso. Masithi kuyakubiza i-$ 1,100 ngenyanga ukuze ube nekhaya ngeli xesha, kodwa endaweni yoko uhlala kwindlu kunye nerenti yenyanga ye-700. Ukuba utyalombile u-$ 400 phakathi kokuqeshisa nokuthenga inyanga nganye kule minyaka eyi-10, ukubaluleka kotyalo-mali lwakho bekuyi $ 83,587.81.
Kukho kwakhona ukuba ukuqesha kuthetha ukuba awulahlekelwa liqela lemali ukuba unyanzelekile ukuba uthengise ikhaya lakho ngexesha lokuhla. Ngakolunye uhlangothi, ukuba ulawula ukuhlala ekhayeni lakho kwaye uphume imicimbi yeemarike kunye nokuhla kwezindlu, ungakha ukwakha okwaneleyo ekhaya lakho ukuba lusetyenziswe ngexesha lomhlalaphantsi. Nangona uchitha kuphela (okanye nokuba ulahlekelwa ngokubanzi) ekhaya, ingaba isithuthi sokulondolozwa ngokunyanzeliswayo esinokukunika imali enkulu xa uthengisa.
Ingaba yindawo yokuhlala engenakho irente-mboleko kwiminyaka yakho yomhlala-phantsi (usenokufuna ukuhlawula irhafu yepropati, nangona kunjalo), okanye ungasebenzisa imali yokuthenga imali ukuze ufikelele ukulingana ukuze uvale i-gap engenayo. Awuyi kubona ezo zikhetho xa uqesha.
Xa kuthengwa iKhaya liTyalo-mali
Kunokuba ubukele ukuhlala kwakho okuphambili njengotyalo-mali, qwalasela ezinye izizathu zokuthenga. Mhlawumbi ufuna indawo ozoyibiza yona, yakha ubulungisa, kwaye ubeke iingcambu kuluntu. Ezi zizathu zonke ezifanelekileyo zokuthenga! Ngokwahlukileyo, ukuba ucinga ukuba uya kuba neendlela zokuphila ezihamba phambili, kunokuyenza ingqiqo ukurenta, nokuba ungeyakha ubulungisa. Ngethuba nje ukwenza amanye amalungiselelo okucwangcisa ikusasa lakho, ukuqashisa kungabakho ukhetho, ngokuxhomekeka kwimarike yendawo kunye neenjongo zakho zokuphila ixesha elide.
Ekugqibeleni, ukuba ufuna ukujika ikhaya lakho libe ngumtyalo-mali owenene, kufuneka wenze into ngaphandle kokuhlala kuyo. Ukuqeshisa emva kokuba uhambe okanye uyisebenzise ukwenza imali nge-Airbnb ingaba yindlela yokubona ngokwenene ukubuya kwithengi yakho yasekhaya.
Kodwa ukuba uhlala nje apho, musa ukuxhomekeka kuyo ukubonelela ngenzuzo enkulu yokubuyisela imali.