Hoko i te whare ki te moni ranei ki te mokete

Me hoko tatou i te fare i te moni ranei ki te mokete.

Ētahi tohunga pūtea mea kia whai shoppers 100 ōrau nama-free. Kāore he kāri nama. Kāore he motokā taurewa. No nama o te ahua tetahi mo tetahi reason.That ai hei ara o te tohutohu atamai kia tae mai ra ake te pātai o te hoko i te fare. I taua wāhi, te tarahu free ora e taea te tiki ki te waiho i te raruraru.

I roto i te 2014, tika 5 ōrau o homebuyers-wā tuatahi i whiwhi i te fare, kahore te mokete, rite ia te arotake i te National Association o Realtors. Ētahi tīmata whiwhi ratou fare ei haamaitairaa, na tūtohu aua putanga e ara i raro i 5 ngā i roto i ōrau pehea ki te whakaturia peka nui te moni ki te hoko i te whare i roto i, me te i roto i. E kore te mea kahore he tangata e, engari te mea he tapahia o te iwi whakahiatotanga o ngā kaihoko-wā tuatahi iti.
Ka taea e nama nui te āwhina ia koe e whakaora mano i runga i tou mokete.

Te aufauraa i te moni?


Ko tētahi o te mohio pūtea, Ka mea a Dave Ramsey e ka riro te reira i te tikanga pai ki te aufauraa i te moni mo te fare. Na He pā o Ramsey mea e kore ko te makutu hoko i te whare ki te moni, me te kore te mea ohie. Hoko i te whare ki te moni, e kore e taea te mokete e pa no whai homebuyers mahi pakeke me te ako.

Roto i te vairaa, korerotia pā i utua e ratou moni mo a whakamaheretia ki te mahi i rite ki raro;
• Ngä me te aufauraa atu he whare timata tuatahi.
• Te paturaa i te fare ratou, me te aufauraa i te moni no te rauemi i muri i te tahi wa.
• te tiaki me te whai wāhi hoki te wa roa i mua i te hoko.
• Hoko i te $14,000 fixer-runga, me te mahi i te hanga te mahi ia ratou.
• Te oraraa i roto i te fare o te whanaunga ia ratou whakamātau ki te feunga manawapa ki te hoko.

Me nama koe ki te tiki nama


Heoi, ki te kore e mahi i te tikanga o te aufauraa i te moni i roto i hoki a ratou, homebuyers i ki farereihia e ki te uaua o te whiwhi i te mokete taurewa no te mea ratou kahore i i nama i katoa. E kore e ratou i nama kino, engari e kore ratou e nama, Ka mea a Neill. “Kua tangohia e ratou i te akoranga Dave Ramsey ranei mahi etahi atu momo o te whakamahere pūtea me te tohutohu ko, Kaua e utu i kāri nama, te utu moni.’ Ko te arata'iraa fantastic tae noa ki te wā e whai koe ki te kōrero ki te tangata nana i mokete ki te tiki prequalified me mea ratou, 'Ehara i te mea i te take o koutou i te 500 whakatauranga nama. Ko te te take o kahore koutou i tetahi nama i te katoa.
Ko tētahi atu tuhinga i runga i te paetukutuku o Ramsey whakaae e tona “100 Ōrau Mahere Raro” kia ai roto i te taea hoki etahi. I roto i taua take, tohutohu homebuyers e ki te tatari ki te tiki i te mokete noa:
• kei tarahu-free ratou.
• E ratou i te iti rawa e toru ki te ono marama o utu i roto i te ohorere penapena.
• he utu ki raro o to ratou i te iti rawa 10 ōrau, a pai 20 ōrau.
• Ki te faaipoipo, kua whakanohoia ana e ratou hoki i te iti i te tau.
“Ki te kore e te aufauraa i koe moni, te tiki i te mokete auau-whakaritea hoki 15 tau iti iho ranei. Kia mau ki tō iti utu — kaua e nui ake 25 ōrau o koutou utu tango-home,” te tuhinga tohutohu.
Whakaōrite i roto i te nama
Ngā pūtea, rite Bob Morrison, he tumuaki i Downing Street te taonga Whakahaere i Littleton, Colorado, mea kia karo i kiritaki overusing underusing nama ranei.
“Tikanga, (hoko i te fare) E titau te nama, na te haamauraa i nama mo e he tino nui,” E ai ta Morrison. “E kore koe e hiahia ki te haere haurangi, me te hoko mea e kore i roto i ou rawa e, engari i te wa ano, te whakamahi i nama tupato he whakaaro nui.”
Ronit Rogoszinski, taonga kaitohutohu mō Arch Group pūtea i roto i Garden City, New York, e ai ta te “taui i roto i maxed atu ranei” ki te nama “e kore e hanga ite rānei ara.”
“Ai e koe te kia ngaro te whai wāhi ki te hoko pea i te fare e taea hanga e koe te tika i roto i, me te pea kua rite tou ai'a ki a koutou tamariki,” E ai ta Rogoszinski. “Ko te tirohanga e kore e mahi tika.”
2 kōwhiringa tapeke moni tāwere
Homebuyers e kore e nei nama ranei tona kōnae nama he kikokore rawa ki te whakaputa i te tapeke moni tāwere i ngā kōwhiringa e rua, e ai ta Greg Cook, kaitohutohu mokete i Platinum Home Mortgage i Temecula, California.
Kōwhiringa nama Alternative
Ko tētahi kōwhiringa ko te ki te hanga i tētahi hītori nama kē i ētahi atu pūkete pūtea, pērā i arowhai reti, inihua me pire whaipainga. Tenei tukanga Ko te wa-kai, me te e taea te tango e rave rahi marama ki te whakaoti, a Cook ta e kore katoa kaituku i te rauemi ki te mahi i te reira.
He aha te ake, e ai ta ia, te hua “e kore kei te haere ki te waiho i te kaute nui” no te mea e kore e rā hoki te hītori nama kē neke atu i te rua, e toru nga tau. Ko te tikanga o pea e te kaihoko te utu i te teitei auau huamoni mō te taurewa home atu i te tangata nei i te hītori moni tāwere taketake pai.
Kōwhiringa kāri nama
Ko te kōwhiringa atu he ki te tiki kāri he nama, atu tenei i te moni tāú, me te hanga i te iti rawa i te utu iti hoki i te iti e ono marama, te wa iti tika ki te whakaputa i te kaute FICO.
Me tu'unga te pūkete, ka korero ki te bureaus nama, me te kore e taea te pā ana ki tetahi taha ma'u pūkete nei kua korerotia i rite mate, kia rite ki MyFICO.com.
“Haunga te nama kē, Ko reira nama tūturu,” Cook ta. “Ki te whai koe marama i te ono’ hītori rua nga aho i hokohoko mātātoa me nga mea katoa atu kei roto i te tikanga, taea e tino pai whiwhi koe i te (taurewa) whakaaetanga.”
Kr. Bankrate.com

Ki te taea, te utu moni. Ki te kore, te hoko i tetahi whare ki te mokete.

Kihai i kitea.
Tātari Scridb
Hoko i te whare ki te moni ranei ki te mokete | mokete, mōkete

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