Zinthu zambiri zokhudzana ndi kukonzanso nyumba zimasintha. Mutha kusintha mazenera a khoma kapena kusuntha khoma masentimita asanu ndi limodzi. Koma chinthu chimodzi ndi chodziwikiratu: mukufuna ndalama. Palibe msomali umodzi womwe umapangidwanso kapena pex yomwe imayikidwa kapena waya imayendetsedwa kapena maziko amatsanulira popanda ndalama.
Nazi njira zowonjezereka kwambiri zothandiza ndalama zakutetezera kwanu, kuyambira zabwino kwambiri mpaka zosayenera.
1. Chuma ndi Zamadzimadzi
Ndalama zomwe mungapeze mosavuta: kusunga, kufufuza, ma CD ndi mabungwe osunga pafupi ndi kukhwima.
Cash ndi njira yoyera, yopanda malipiro yolipirako polojekiti yanu, monga momwe simukuyang'anirana ndi ngongole.
Zotsatira
- Palibe chidwi, palibe malipiro, palibe mlandu.
- Simudalira wina aliyense.
- Kufulumira ndalama ndi nthawi yomweyo; palibe chifukwa chodikira aliyense kuti athetse ndalamazi.
Wotsutsa
- Imatulutsa nkhokwe iliyonse yomwe mungakhale nayo.
- Anthu ambiri alibe ndalama zambiri zowonjezera polojekiti yowonjezera, monga zowonjezeredwa ndi zipinda zamakono zokonzanso.
Pansi : Cash ndi katundu wamadzi ndi njira yabwino kwambiri yogwiritsira ntchito ndalama zanu - koma ngati muli ndi zochuluka zokwanira. Ma akaunti ena opuma pantchito amakulolani kubwereka chiwerengero china chowatsutsa.
2. Sukuta Equity
Kodi muli ndi abwenzi ndi achibale anu enieni? Kwa mtengo wa pizza asanu ndi limodzi ndi pizza ya takeout, akhoza kukuthandizani kuti muyese zofanana ndi polojekiti yanu yokonzanso.
Zotsatira
- Ntchito ndi yaulere.
- Kukhutira kukhala ndi 100% yolamulira polojekiti yanu.
Wotsutsa
- Ntchito yokha ndi yomasuka; iwe uyenera kulipirabe zipangizo.
- Ngati pulogalamu yophunzira ikuphatikizidwa, ikhoza kukhala yotchipa komanso yofulumira kukonzekera antchito.
Mfundo Yofunika Kwambiri : Kutenga thukuta mofanana ndizosapeŵeka, ndipo ngakhale kumakhala kokondweretsa, koma osatambasula ngati simukudziwa kuti muli ndi luso.
3. Zokongoletsera Zokonzanso Pakhomo Panyumba
Ndondomeko Yowonjezeretsa Pakhomo (kapena "HIP") ngongole kuchokera kumalo anu sizokwanira zowonongeka zowonongeka, koma zimayandikira.
Ma Counties ndi ma Municipalities ena adzapereka ndalama zina kapena zowonjezera pa ngongole yanu yowonongeka kuti muteteze malo ogona a nyumba.
Pa zochitika zina za zaka zisanu, $ 50,000 8% ya ngongole yomwe imaperekedwa 3% kupyolera mu HIP, ndalama zanu zonse zosungira ndalama zingakhale $ 4,215.
Zotsatira
- Zowonjezera ndalama zaufulu mwa mawonekedwe a chiwongoladzanja chokwanira kwa ngongole yanu - zopereka zomwe simukuyenera kubwezera.
Wotsutsa
- Ndalama zimayikidwa pakati pa $ 25,000 ndi $ 50,000.
- Misonkho ya katundu imayenera kuperekedwa ndi inu, kuphatikizapo misonkho yapamwamba yomwe imabwera chifukwa cha kusintha kwanu kwanu.
- Tapepala yaikulu yofiira yokhudzana ndi kulandira thandizoli, kuphatikizapo kuwunika kwa polojekiti, mawindo a nthawi yomaliza, ndi ndondomeko yochepa ya mapulogalamu okhudzana ndi nyumba (mwachitsanzo, mabwato oyambira, mahatchi otentha, mapepala, ndi zinthu zina zamtengo wapatali sali ndalama ).
Pansi : HIPs si za eni nyumba iliyonse. Koma ngati muli woyenerera, ndizovuta kupirira.
4. Ngongole Yoyang'anira Ngongole Kapena Lamulo la Ngongole (HELOC)
Ngongole yobwereketsa nyumba ndiyo njira yapadera yoperekera kukonzanso kunyumba. Tenga ngongole motsutsana ndi chilungamo m'nyumba mwako.
Zotsatira
- Ndalama zingathe kupezeka pazinthu zazikulu monga zowonjezera.
- Malipiro otsikirapo m'munsi kusiyana ndi ngongole za munthu ndi makadi a ngongole
Wotsutsa
- Ngati mupitiriza kusokoneza umphumphu wanu, mumachepetsa ndalama zomwe mumalandira mukamaliza kugulitsa nyumbayo.
- Zambiri zomwe zilipo ndi ngongoleyi zimalimbikitsa ndalama pa zinthu zosagwirizana ndi kukonzanso.
Mfundo Yofunika : Lembani ngongoleyi pokhapokha pulojekiti zazikulu, monga kuwonjezera, madambo, driveways, ndi kudumpha.
5. Makhadi a Ngongole
Khadi la ngongole limene mumalipira kumapeto kwa mwezi uliwonse. Kapena chidwi cha zero chimene simukuyenera kulipira kwa miyezi isanu ndi umodzi kapena chaka. Azimayi ena amalipira khadi limodzi lachitukuko ndi khadi lina la chidwi, ndipo potero amalenga ngongole yosatha, koma yoopsa.
Zotsatira
- Ndalama zimapezeka mwamsanga.
- Malingaliro othandiza kapena mphotho zomwe zingatheke pamakhadi ena mwa kupereka ndalama zambiri zogula nyumba.
Wotsutsa
- Kuopsa kwa chiwongoladzanja chachikulu ndi malipiro.
- Kukupatsani chinyengo cha chitetezo kuti muli ndi ndalama zambiri kuposa momwe mulili.
Mfundo Yofunika Kwambiri : Njira yonyenga yoperekera kukonzanso kunyumba, ndi imodzi yomwe imafunikira kusamalira ndi kukonza.