Imibuzo Okufuneka Uyibuze
Ngaba Ikhaya LikaRhulumente Uceba Ukubuyela?
Kungakhathaliseki ukuba isigaba sakho (okanye iqabane lomlingani), ngaba usicinga ngesicwangciso sakho somhlalaphantsi? Ngaba lo mmandla okanye ummandla kwiluhlu olufutshane?
Ukuba ukhetha ukuthenga nokulawula ipropati, cinga ukuba ungagqiba ekubeni ubambelele kuyo iminyaka emininzi ukwenzela ukuba utyalo-mali luzuze njengenzuzo engenayo. Ngelixa uthanda, mhlawumbi uqesha umphathi wepropati, uya kufuna kwakhona ukuba ungene kumgama ohambahambayo xa kunokwenzeka into ethile.
Ngokomzekelo, ukuba unquma ukuthenga ikhaya eWashington, kodwa uthathe umhlalaphantsi eMichigan, ukusetyenziswa kwempahla kunokuba ngumngeni. Uzakufuna ukujongana neendleko zohambo lwezantya-mali kwibhajethi yakho. Kukho ingozi eyongeziweyo yokuphathwa kakubi, ukungxamiseka kwendalo (iziphepho, izikhukula, njl), okanye ukuziphatha okubi kwerenta ukuba awukwazi ukutyelela iipropati zakho ngokuqhelekileyo.
Ngelo xesha, xa ufumana kwindawo apho imithetho yerhafu yepropati inengqiqo, unako ukufikelela kumphathi wepropati yomgangatho, kwaye ufumana indlu elula ukuyithengisa, unokufumana ithuba lokutyalomali olomeleleyo.
Ngaba IBhajethi Yakho Yenyanga Ivumela Ukulungiswa, Ukulondolozwa, Imirhumo Yombutho Wabahlali, kunye Nezinye Iindleko Ezihlukeneyo ezihlobene noBunikazi bezindlu?
Enoba uhlala endlwini, indlu, i-duplex, okanye i-condo, into ekugqibeleni iya kuphula okanye idinga ukugcinwa.
Ukulungiswa kwezindlu kuyahluka ukusuka kumakhulu ambalwa ukuya kumawaka amawaka ngonyaka.
Enye yezona zinzuzo ezinkulu zokuhlala kwindlu yokuhlala okanye indawo yokuqashisa kukuba umntu onyawo unyuke umyalelo-mali wokulungiswa (ukucinga ukuba awuzange ubangele). Xa ungumnini-mnini (kunye nomnini-mnini), ulungele yonke into.
I-Zillow.com ikhombisa ukuba uhlahlo lwabiwo-mali u-35% wenyanga yengeniso yenyanga yokuqeshisa ngeendleko zokusebenza ukulawula ipropati kunye nezinga eliqhelekileyo lokungenani i-1% yexabiso lepropati eliza kulungiswa.
Ezi ziqikelelo azibandakanyi iindleko ezifana nokulawulwa kwezinambuzane, izibonelelo, kunye neeNkampani zomNinimzi. Ngaphambi kokuba wenze isigqibo sokuthenga ipropati yotyalo-mali, qiniseka ukuba unombono ochanekileyo weendleko zinyani.
Ukuba i-Orders yakho iguqulwa ngokukhawuleza, Ngaba Unako ukuLawula iMali-mboleko emibini okanye iNgxowa-mboleko kunye neNtlawulo yeZindlu Unokuthi uthengise okanye uhlawule impahla?
Okanye, ukuba unqwenela ukuqesha ipropati, ngaba ungayithwala imali yakho ubuncinane kwiinyanga ezintandathu ngaphandle kokuzihlawula ngokwezemali?
Ukuba impendulo yakho kwenye yale mibuzo ayikho, unokuba ufuna ukuzinikela ixesha elifutshane lokubeka imali kwi-akhawunti yokulondoloza kule njongo ngaphambi kokuba uqale ukutyikitya izivumelwano zokuthenga.
Kwimpilo yasemkhosini, izinto eziyodwa kuphela zihambelana nokungaguquki. Ukuba umkhosi uthatha ixesha lokuba wena kunye nosapho lwakho uhambe emva kweenyanga ezisibhozo, ngokukhawuleza loo festile yeminyaka emithathu owacingayo ukuba uyaphuma efestile. Awunaso nesiqinisekiso sokuba uya kuthunyelwa phi. Kungenzeka ukuba akunakwenzeka ukwenza iindwendwe emva nangaphezulu ukwenzela ukulungiswa kwendawo yokuhlala.
Nangona uhlala kwisitishi esifanelekileyo esaneleyo ukuba uzive ukhululekile ukurenta ipropati, khumbula ukuba ngamanye amaxesha izindlu aziqeshanga, nokuba iimarike zithi zifanele.
Ukuba usebenzisa i-VA Imali-mboleko, Ngaba uyayazi iMimiselo ngokubhekiselele kwiNgingqi yokuhlala?
Imali mboleko yasekhaya leSebe laseMelika leMicimbi ye-Veteran (VA) livule iingcango kwiindawo zokuhlala ekhaya kubasebenzi abaninzi kunye neentsapho. Nangona kunjalo, ukuba ucinga ukusebenzisa i-mboleko ye-VA ukuthenga ipropati yotyalo-mali, qiniseka ukuba uyaziqonda iimfuno zokuhlala.
Iimali-mboleko ze-VA zifumaneka kuphela ukuthengwa kwekhaya lokuqala. Ukongeza, ukuba uyasuka kuloo ndawo ngaphandle kokuthengisa, awuyi kukwazi ukusebenzisa enye mboleko ye-VA kude kubekho yokuqala ikhokhelwa ngokupheleleyo.
Ngenxa yoko, unokuba ufuna ukucinga ngemali yemveli endaweni yokuthatha i-VA indlela yokubolekisa. Ukuba unomvuzo omhle wokuthenga ngetyala kunye nokuhlawula kwekhaya, inkxaso yezemveli ingaba yindlela engcono.
Qiniseka ukuba wenze uphando lwakho kuzo zonke iinketho zakho zokuxhaswa ngemali ngaphambi kokuthenga ikhaya.
Ngaba Uyaziwa ngeMithetho kaMasipala weNgxowa-mali?
Ukuba usebenza phantsi kokucinga ukuba uya kuba nako ukukhupha abaqeshi ukuba bahlawula irenti yabo, okanye ugqiba ukuba awuzithembi ekhaya lakho, kuya kufuneka uphinde ucinge.
Wonke ummandla unemithetho ekhethekileyo yomnini-mhlaba owenzelwe ukukhusela amaqela amabini. Ezinye iinjongo (okanye imizi), nangona kunjalo, zithandeka kwelinye icala ngaphaya komnye. Ngayiphi na indlela, unokumangalisa kwaye inani leehitshi zomthetho uza kufuneka uphumelele ukususa umqeshi ombi.
Ukuthetha ngabaqeshi ababi, ukuba izinto ziba zibi kakhulu, unokufuneka uqeshe igqwetha, elingenakuhlambulula. Unokufuna ukongeza oko kuhlahlo lwabiwo-mali ngokunjalo.
Ngaba Unako ukuphazamisa iNkonzo yoLawulo lwePropati?
Ingaba unqume ukuba uthathe umhlala-phantsi kuloo ndawo okanye kungenjalo, ukuba unomsebenzi osebenzayo, cishe awuyi kukwazi ukuhlala kwindawo efanayo kunye nepropati yakho yotyalomali uze uvale ukuhlukana okanye sele ukhona.
Ngethamsanqa, kukho ezininzi iinkonzo eziphathekayo zokulawulwa kwepropati ezinokukunceda ukuba unakekele ipropati yakho xa uhamba. Uninzi lwale nkonzo luza kufumana kwaye ludliwano-ndlebe nabavakalisi, baqhube ukuhlolwa kweemvelaphi, bahlele amaphepha okuqeshisa, bajonge kwipropati, kwaye bebekhona ukuze benze ukulungiswa njengoko kuyimfuneko.
Yonke le mi sebenzi ichitha ixesha, kwaye ukuqesha umphathi wepropati kungathatha uxinzelelo olukhulu ekulawuleni ipropati yotyalo-mali. Nangona kunjalo, abaninzi abaphathi bepropati bahlawula ipesenti yerenti yenyanga, kwaye baya kuhlawula imali yokulungiswa kwindlu yakho.
Thatha ixesha lokunxibelelana nabaphathi bepropati kwindawo leyo, baqonde iimali zabo, kwaye qwalasela ukuba ngaba unokukwazi ukuzithenga ngelixa ulawula lonke uhlahlo lwabiwo-mali. Ngokukhawuleza ukwenza oku, kuxhotyiswe bhetele uza kuba ukuqonda iindleko zinyani zokuba uphuhliso lwepropati.