Izidingo zokuthenga ikhaya elihambayo. Kunezinzuzo eziningi zokuthenga ikhaya elihambayo. I- intengo, kunjalo , imvamisa Ngaphansi kakhulu kunekhaya elijwayelekile lomndeni owodwa. Ngaphezu kwalokho, imiphakathi yasekhaya ehambayo kuvame ukufaka izikhala ezabiwe Ini amachibi okubhukuda , izinkundla zokudlala kanye nezindawo zokuzijabulisa .
Izidingo zokuthenga i-Home Home
Kubalulekile ukusho ukuthi njengezinye izimpahla ofisa ukuzithola kubalulekile ukuthi ube nemibhalo ethile.
Ngezansi sizokhuluma ngezidingo okufanele uzicabangele:
- Ukuthola imvume noma ukubhalisela ukusetshenziswa kwendlu engomahamba nendlwana ekhishwe nguMbuso.
- Ukubhaliswa kufanele kube kwamanje.
- Isifunda sikhiphe ukugunyazwa kokupaka.
Imibhalo esisanda kuyisho Zisendaweni ejwayelekile ngakho-ke kufanele uthintane nezinhlangano zoMbuso .
Izinyathelo zokuxhasa ngemali ikhaya elihambayo
Uma uhlela ukuthenga ikhaya elihambayo, udinga ukuthatha izinyathelo ezimbalwa.
- Nquma ukuthi uyafuna yini ukuthenga umhlaba nekhaya elihambayo noma nje ikhaya elihambayo. Uma uhlela ukuqasha iphasela lekhaya lakho, uzokwazi ukuthola imali mboleko encane kunaleyo ohlela ukuyithenga umhlaba lapho indlu izobekwa khona.
- Thola imininingwane yendlu ofuna ukuyithenga. Lokhu kuzothinta imali mboleko ongayifaka isicelo. Isibonelo, uma ufuna ukuthenga indlu ebanzi ephindwe kabili ebiza u- $ 100,000 noma ngaphezulu, ngeke ukwazi ukuthola imali mboleko yekhaya. FHA .
- Qala ukufuna izinketho zezimali. Khetha uhlobo lwemalimboleko (i-FHA, i-chattel, eyeyakho) ozoyisebenzisa bese uqhathanisa okunikezwa ababolekisi abahlukile. Zama ukuthola imali mboleko enezimali eziphansi namanani enzalo aphansi ukuze ukwazi ukusebenzisa imali encane ngangokunokwenzeka empilweni yemalimboleko.
- Lapho usukhethe umbolekisi, thumela isicelo sakho. Qiniseka ukuthi uqedela isicelo ngokunembile futhi unethuba elanele lokuzinika ithuba lokuthola imalimboleko.
Ukuthenga ikhaya elihambayo: okudingeka ukwazi
Ngabe unentshisekelo yokuthenga ikhaya elihambayo? Awuwedwa neze. Kukhona okuningi 8 million wamakhaya angomahambanendlwana eU.S ( umthombo ). Amakhaya angomahamba nendlwana athandwa ngoba zibiza kancane kakhulu kunezindlu ezivamile. Izindleko eziphakathi nendlu engomahamba nendlwana ngonyaka wezi-2015 zazingu- $ 68,000, ngokusho kwe I-United States Census Bureau . Izindleko eziphakathi nendawo zendlu eyodwa yomndeni owodwa zingama- $ 360,000.
Ngakho-ke amakhaya angomahamba nendlwana enza umqondo kwezomnotho. Kepha uma ucabanga ukuthenga iselula, iyiphi indlela yezimali engcono kakhulu?
Liyini ngempela ikhaya elihambayo?
Ikhaya elihamba nendlwana yindlu eyakhiwe isakhiqizwa ngumakhi wayo bese iyiswa endaweni. Abanye abantu bababiza ngamakhaya akhiqizwayo noma ama-trailer. Amakhaya angomahamba nendlwana ngokuvamile eza ngezinhlobo ezimbili: umklamo wobubanzi obulodwa, omude, omncane, futhi ohlangene; futhi iphindwe kabili ububanzi, enendawo ephindwe kabili futhi ezwakala njengekhaya lomndeni owodwa wendabuko ngaphakathi.
Unentshisekelo? Nazi ezinye izinto okufanele uzazi ngokuthenga ikhaya elihambayo:
Ungahle ube nezinketho ezinqunyelwe zezimali.
Uma uzibuza ukuthi ungayithola kanjani imali ebolekiswayo ngekhaya lakho elihambayo , kunezinto ezimbalwa okufanele uzazi. Amabhange abheka amakhaya angomahamba nendlwana njengempahla yomuntu uqobo kunokuba abe yi-real estate, ngakho-ke angakunika kuphela imalimboleko yomuntu siqu. Ukuba nethuba elingcono lokuthola imalimboleko kuumbolekisi wempahla ebolekiswayoUzodinga ukuqinisekisa ukuthi ikhaya elihambahambayo lixhumeke unomphela esisekelweni.
Uma ungafuni ukwehla ngalowo mzila, izinyunyana zezikweletu cishe zizohlinzeka ngemali mboleko yendlu ehambayo. Ungafaka isicelo semalimboleko yomuntu siqu noma yokuboleka imali kumthengisi wasekhaya ongumahamba nendlwana.
Kodwa-ke, noma ngabe ufaka kuphi isicelo semalimboleko, umbolekisi wakho uzodinga ukuthi ikhaya lakho lihlangabezane nezimfuneko ze- UMnyango Wezezindlu Nokuthuthukiswa Kwezindawo Zasemadolobheni (HUD) Lokhu kusho ukuthi uzoqasha usonkontileka okhethekile ukuthi enze iukuhlolwa ekhayafuthi uyiqinisekise.
Ungathenga epaki noma uthenge umhlaba ukubeka indlu yakho.
Ungacabanga ukuthi amakhaya angomahamba nendlwana ahlala emapaki asekhaya ahambayo, kepha akunjalo. Kungenzeka futhi ukuthenga umahambanendlwana kanye nomhlaba okuwo, okungaba indawo enkulu ehlathini.
Noma, uma uthenga ikhaya elisha leselula, ungaya noma kuphi lapho uthanda khona. Ipaki lasekhaya elingumahamba nendlwana kungaba yindlela elula kunazo zonke ngoba zizobe sezivele zinokuxhumana okusetshenziswayo nezinye izinsiza. Kepha uma ubumfihlo (futhi uvikele imali yesiza) Kuyinto eza kuqala kuwe, ungathenga iphakethe lakho ukulifaka, inqobo nje uma usukulungele ukuthwala izindleko ezengeziwe futhi uphathe izinsiza ngokwakho.
Uma uthenga epaki, faka imali kwisabelomali sakho.
Mayelana nezimali zesayithi: Ukuthenga epaki lasekhaya elingumahamba nendlwana kungahle kushibhile kunokuthenga umhlaba, kepha kusaza nezindleko. Amapaki amaningi asemakhaya ahambayo akhokhisa irenti yenkokhelo, elinganiselwa ku- $ 300 ngenyanga futhi ngokuvamile ihlanganisa izindleko zokuqoqwa kukadoti, amanzi, indle, kanye nokulungiswa kwezizathu.
(Ukunakekelwa kwekhayakuphuma kuwe). Lokhu kwenzeka ezimweni lapho ungeyena umnikazi womhlaba ongaphansi kwendlu yakho ehambayo, yindlu uqobo lwayo.
Kepha kwamanye amapaki, umhlaba ungumnikazi wawo. Le miphakathi ivamise ukuba nenhlangano yabanini bamakhaya ( IZIMBALI ) ephethwe ngabathuthukisi bepaki noma abahlali. I-HOA ibeka imithetho yomphakathi, futhi imali ekhokhwayo ivame ukusebenza ngo- $ 200- $ 300 / ngenyanga.
Udoti, amanzi, indle, kanye nokunakekelwa kwepaki kuvame ukukhokhelwa imali yakho. Uzodinga futhi nokulandela imithetho yeNhlangano Yabaninikhaya, engakhawulela ukuthi yimiphi imibala ikhaya lakho elingapenda nokuthi ungapaka kuphi, phakathi kwezinye izinto.
Amakhaya angomahamba nendlwana alahlekelwa yinani ngokuhamba kwesikhathi.
Abanini bemizi bajwayele ukucabanga ukuthi amakhaya azokwenyuka ngenani ngokuhamba kwesikhathi, okuyinto amakhaya omndeni owodwa avame ukuyenza. Kepha lokho kungenxa yokuthi ngokuvamile zinamathele emhlabeni, futhi umhlaba uyikho ngempelathokozela. Amakhaya angomahamba nendlwana angafiki nokungcola awakhuphuli inani, futhi kungaba nzima kakhulu ukuthengisa kabusha kunekhaya elijwayelekile.
Kepha konke kuya ngokuthi ufunani ekhaya lakho futhiungakhokhela malini. Akubona bonke abaninikhaya abathenga ikhaya njengezimali, futhi akuwona wonke umuntu ongakwazi ukuthenga indlu ejwayelekile. Uma ufuna ukuthenga indawo engabizi ukuhlala ngaphandle kokulungiswa kwempahla eningi, ukuthenga ikhaya elihambahambayo kungaba yindlela enhle.
Amakhaya Akhiqiziwe, Amakhaya Angomahamba nendlwana, kanye namaKhaya we-Modular
Uma umusha emakhaya angomahamba nendlwana, kufanele uqale ngokufunda i-lingo ehambisana nayo. Ukwazi imigomo kuzokusiza uqonde izindlela zezimali ezitholakalayo. Iphinde ikuvumela ukuthi uxhumane kangcono nababolekisi ngemali yokuthenga.
Amakhaya amasha amasha abizwa ngokuthi amakhaya akhiqizwayo. Izindlu ze-Prefab zakhiwe emafemini zibekwe ku-chassis unomphela. Ngenxa ye-chassis, zingahanjiswa kalula. Yi-chassis echaza ikhaya elenziwe njengeselula.
UMnyango Wezezindlu Nokuthuthukiswa Kwamadolobha (i-HUD) usebenzise izindinganiso zokwakha zamakhaya akhiqizwayo / angomahamba nendlwana ngo-1976.
Amakhaya ane-chassis ehlala njalo eyakhiwe ngaphambi kwalokhu asengabizwa ngokuthi amakhaya angomahamba nendlwana, kepha kungenzeka ukuthi awazange akhelwe kumazinga we-1976.
Umphumela oyinhloko wemithethonqubo yango-1976 kwakuwumbhalo we-HUD owaziwa ngokuthi Ilebuli Yesitifiketi neDatha Plate . Lezi zitifiketi zibomvu futhi kufanele zibonakale ngaphakathi ekhaya. Ukuzisusa akukho emthethweni.
Ithegi ye-HUD ibaluleke kakhulu lapho uthenga, uthengisa, uxhasa ngezimali futhi ufaka inshuwalense ekhaya elenziwe. Uma ungenayo ithegi ye-HUD, kuzoba nzima kakhulu ukuthola imali yanoma yiluphi uhlobo.
Ungadidanisi okwenziwe ngamakhaya asetshenziswayo noma akhiqizwayo. Amakhaya akhiqizwayo nawo akhiwa efektri. Kodwa-ke, zingakhiwa kwi-chassis ehlala njalo noma engasebenzi, nge-chassis ekhishwayo. Lezi zivame ukudonswa ziye ezweni elizimele futhi zihlanganiswe lapho.
Amakhaya angomahamba nendlwana avame ukutholakala emhlabeni oqashisiwe (amapaki asekhaya ahambayo).
Ukuxhasa ngemali Ikhaya Elingahambisani neMpahla Yendabuko
Okucatshangelwa okubaluleke kakhulu lapho uxhasa ngemali ikhaya elihambayo kungukuthi ungumnikazi womhlaba lapho ukhona (noma uzotholakala).
Uma ungumnikazi womhlaba futhi udinga izimali zekhaya elenziwe, ungathola imali mboleko ejwayelekile. Kodwa-ke, uma ungenayo i-real estate, ababolekisi abaningi abavamile ngeke bakwamukele ukuthi ubambise ngempahla.
Uma ungenawo umhlaba, cabanga ngokufaka isicelo semalimboleko kwa-United States Federal Housing Authority ( FHA ), ngoba akuyona imfuneko yemalimboleko ye-FHA. Uma ufanelekile, cabanga ukuthola imalimboleko yezindlu eMnyangweni Wezilwane Zase-US (VA) Banikela ngemalimboleko yomibili imizi eyenziwe kanye nenkatho.
Imali mboleko ye-FHA
Njengoba kushiwo ngenhla, imali mboleko evela ku- Isihloko I se-FHA azidingi ukuthi obolekayo abe ngumnikazi womhlaba. Kodwa-ke, umboleki kumele aqashise umhlaba ofanayo okungenani iminyaka emithathu kuyaufanelekele ukubolekwa imali ye-FHA.
I-FHA akuyona umbolekisi oqondile. Ngakho-ke, uzodinga ukuthola umbolekisi ovunyelwe ukwenza imalimboleko ye-FHA. I-FHA iqinisekisa ukubolekwa kwemali, okwenza ibonakale kakhulu kubabolekisi ngoba banobungozi obuncane uma kwenzeka imali ingaboleki.
Izidingo zemalimboleko yemalimboleko ye-FHA kulula ukuyifanelekela kunemali ebanjwayo ejwayelekile. Izinkokhelo eziphansi zingaba ncane kakhulu kunemali ebolekiwe ejwayelekile - ibe ngaphansi kuka-3.5% wentengo yokuthenga. Ngokuvamile, amanani enzalo nawo aphansi ngemalimboleko eqinisekiswe yi-FHA.
Uma unesikweletu esibi (amaphuzu wesikweletu angama-550 noma ngaphansi), usengathola imali mboleko ye-FHA. Ungahle ufanelekele ukubolekwa imali ye-FHA noma ngabe uke waqothuka esikhathini esedlule. Ngakolunye uhlangothi, ababolekisi abaningi abavamile ngeke bakunikeze imali mboleko uma unesikweletu esibi noma esilinganiselwe.
Okunye ukubuyiselwa kwemali mboleko ye-FHA ukuthi banesikhathi esifushane kunesibambiso esijwayelekile. Izimali ezibolekwa ngempahla zineminyaka engama-30; Iningi lemalimboleko ye-FHA yokuthenga ikhaya elihamba nendlwana linemigomo yeminyaka engama-20.
Imalimboleko ye-FHA nayo inemikhawulo yemali mboleko okufanele icatshangwe. Kusukela ngo-2017, umkhawulo wekhaya elenziwe ngu- $ 69,678. Uma ufuna nje ukuthenga inkatho, umkhawulo ngu- $ 23,226. Umkhawulo ungu- $ 92,904 kuwo womabili amakhaya akhiqizwayo nempahla. ( Umthombo )
Omunye umkhawulo okufanele ubhekwe ukuthi ukubolekwa kwemali kwe-FHA kuyindlela kuphela uma ikhaya elihambahambayo liyindawo yakho yokuhlala eyinhloko. Ngokunjalo, ababolekisi bezezimali ezijwayelekile, ababolekisi be-FHA bazohlaziya ukuqashwa kwakho, umholo, umlando wesikweletu, kanye nesikweletu sakho ukuthola ukufaneleka, amanani wenzalo yemalimboleko neminye imibandela.
Izimalimboleko ze-VA
Njengokubolekwa kwemali kwe-FHA, i- IYAHAMBA iqinisekisa imalimboleko ngokuyiqinisekisa ukuthi ayikhokhwa. I-VA uqobo ayenzi ukubolekwa kwemali. Udinga ukuthola isikhungo sesikweletu esikhipha imali mboleko ye-VA.
Amalungu amasosha, omakadebona, kanye nabalingani babo banelungelo lokubolekwa imali nge-VA. I-VA iqinisekisa ukubolekwa kwemali yomibili imizi eyenziwe kanye nezinkatho.
Ukuze ufanelekele ukubolekwa imali nge-VA, uzodinga iSitifiketi Sokufaneleka (i-COE). Isitifiketi sikhombisa ababolekisi ukuthi ufanelekile ukuthola imalimboleko esekelwa yi-VA. Hlola nayi i- Izidingo ze-COE.
Njengemali mboleko ye-FHA, ikhaya elenziwe kumele libe yindawo yakho yokuhlala eyinhloko. Ukuze uvunyelwe ukubolekwa imali nge-VA, kufanele futhi unikeze ngomlando wakho womsebenzi, umsebenzi wakho wamanje, umholo, nomlando wesikweletu.
Okuqukethwe
- Izidingo zokuthenga i-Home Home
- Izinyathelo zokuxhasa ngemali ikhaya elihambayo
- Ukuthenga ikhaya elihambayo: okudingeka ukwazi
- Liyini ngempela ikhaya elihambayo?
- Unentshisekelo? Nazi ezinye izinto okufanele uzazi ngokuthenga ikhaya elihambayo:
- Ungahle ube nezinketho ezinqunyelwe zezimali.
- Ungathenga epaki noma uthenge umhlaba ukubeka indlu yakho.
- Uma uthenga epaki, faka imali kwisabelomali sakho.
- Amakhaya angomahamba nendlwana alahlekelwa yinani ngokuhamba kwesikhathi.
- Amakhaya Akhiqiziwe, Amakhaya Angomahamba nendlwana, kanye namaKhaya we-Modular
- Ukuxhasa ngemali Ikhaya Elingahambisani neMpahla Yendabuko
- Imali mboleko ye-FHA
- Izimalimboleko ze-VA
- Uthola malini umhlengikazi e-United States? - Umhlahlandlela ophelele
- Kufanele ngithole malini ukuthenga indlu e-USA?
- Usizo Kubathengi Bokuqala Bekhaya EFlorida
- Kubiza malini ukushiswa kwesidumbu e-United States?
- Kubiza Kangakanani Ukusetshenziswa Kokufakelwa E-United States?
- Kuyini ukukhokhela kabusha ikhaya