Ngakho-ke uyathuthela e-Atlanta (ubonile lo mhlahlandlela wokuphila ngokumelene nama-suburbs? ) Futhi ungaqiniseki ukuthi kufanele uqashe noma uthenge? Izindaba ezinhle ukuthi, uthathe idolobha elingabizi kakhulu-empeleni, ngamamitha angu-100 aphezulu, e-Atlanta njengamamitha angu-60 angabizi kakhulu ezweni uma kuziwa ezinkampanini kanye nemitha engama-45 engabizi kakhulu ezweni lapho ifika ezindlini zendlu, ngokusho kweTrulia.
Ukumba kancane kancane:
- Ekhaya lasegumbini lamabili, izindleko zase-Atlanta (i-median i-$ 1,250 ngenyanga ngamakamelo amabili) zingamaRandi angama-600 nje ngenyanga ngaphezu kwedolobha elishibhile (i-Wichita), kodwa cishe u-$ 2,500 ngenyanga ngenyanga eshibhile kunedolobha elibiza kakhulu (iSan Francisco ).
- Ekhaya lasekhaya lokulala, amanani ase-Atlanta (amanani okuthengisa aphakathi kwamadola angu-230,000 emakamelweni amabili) angamaRandi angu-134 000 ngaphezu kwedolobha elishibhile (iDetroit), kodwa cishe u-R8,8000 wabiza ngaphezu kwedolobha elibiza kakhulu (iSan Francisco).
Yikuphi Okungcono Kwezezimali: Ukuqasha noma Ukuthenga?
Sabiza uchwepheshe wezezindlu uRalph McLaughlin, wezomnotho wezindlu waseTrulia, ukuze asisize ngalolu. "Kungakhathaliseki ukuthi kungcono ukuqasha noma ukuthenga ekugcineni kuncike esimweni ngasinye somndeni," kuchaza uMclaughlin, ephawula izinto ezinjengokuthi zingakanani imali zabathengi bokukhokha phansi, isilinganiso sabo sesikweletu, ibhakha lentela nokuthi bangase basheshe bahambe kanjani.
"Indlu ngayinye idinga ukucabangela isimo sayo-ngisho nokushintsha okuncane esimweni kungase kube yinto eshibhile ukuqasha," kusho uMcLaughlin.
Uzohlala Kangakanani?
Ngaphandle kwezezimali, isibonakaliso esikhulu kunazo zonke sokuthi kungcono ukuqasha noma ukuthenga ukuthi uhlela isikhathi eside kangakanani ukuhlala ekhaya. Ngenxa yalokho, iZillow ibalwe ukuphakama kwezindawo ezihlukahlukene ngokusebenzisa i-Atlanta ngokubheka ukuthi kuyindleko kangakanani ukuthenga indlu, bese kuthi kungakanani kubiza ukuqasha indlu efanayo, kuthatha izindleko ezifana nomshuwalense wokuboleka imali, izinsiza, nokugcinwa.
Hlola ukukhanya kwe-breakeven kwezinye zezindawo ezithandwa kakhulu e-Atlanta:
- Metro Atlanta: 1 unyaka
- Idolobha elisemadolobheni: .9 iminyaka
- Midtown: iminyaka engu-1.1
- I-Buckhead: iminyaka engu-1.8
- Dunwoody: iminyaka engu-1.4
- U-Roswell: iminyaka engu-1.1
Ngakho konke lokhu kusho ukuthini? Uma ubheka yonke i-Atlanta, iphuzu eliphuthumayo lonyaka ongu-1 lisho ukuthi uma uhlela ukuhlala ekhaya iminyaka engaphezu konyaka, kungcono ukuthenga lelo khaya kunokuqasha. E-Buckhead, kuzodingeka uhlale isikhathi eside ukuze uthinte lelo phuzu eliphuthumayo-okusho ukuthi kufanele uqashe eBuckhead uma uhlela ukuhamba futhi eminyakeni engaphansi kweminyaka emibili.
Ngokufanayo, ungasebenzisa ithuluzi le-Trulia's Rent vs Buy ukuhlola izimo ezimbalwa ezisekelwe ezimweni zezezimali. Ake sicabange ukuthi inkokhelo yakho yenyanga ngayinye i-$ 1,250 (intengo yohlu lwama-median yokuqasha amakamelo amabili e-Atlanta) kanti intengo yakho yasekhaya i-$ 230,000 (intengo ephakathi kwamakamelo amabili okulala e-Atlanta). Ake futhi sicabange ukuthi ungumuntu obhekene nesibhakela lesitatimende esingu-25% kanti izinga lakho lokubolekwa kwemali ngamaphesenti angu-3.8. Ngezansi kubalwe isikhathi esiningi sokuhlala ekhaya ukuze ubone ukuthi yini engabizi kakhulu:
- Unyaka owodwa: Ukuqashwa kungamaphesenti angama-58 angabizi kunokuthenga.
- Iminyaka engama-3: Ukuqasha kungu-14% ezishibhile kunokuthenga.
- Iminyaka engu-5 : Ukuthenga kungu-9% ezishibhile kunokuthenga.
- Iminyaka engu-10: Ukuthenga ngamaphesenti angama-27 ashibhile kunokuthenga.
- Iminyaka engu-25: Ukuthenga kungabizi ngamaphesenti angu-36 kunokuthenga.
Ngokusekelwe kulezi zinombolo, uma uhlela ukuhamba eminyakeni emithathu noma ngaphansi, ungcono kakhulu ukuqasha, kodwa uma uhlela ukuhlala endlini iminyaka emihlanu noma ngaphezulu, kunokwengeziwe ukonga ukuthenga.
Izinzuzo zokuqasha ngokuthenga:
Ukuphila kuyonke mayelana nokuhweba, ikakhulukazi uma kuziwa ezindlini. Yize izinzuzo zokuqasha zihlanganisa inkululeko eyengeziwe (akukho ukuzibophezela kwesikweletu), izindleko ezincane zokuthengiselana (akukho ukukhokhelwa phansi, amakhomishana, njll) kanye nezindleko ezimbalwa jikelele (kubandakanya ukugcinwa, ukulungiswa kanye nezintela), kukhona ukuhlaselwa okuncane, kusho uMclaughlin. Ngokufanayo, "e-Atlanta, ukuthenga kuyhibhile kunokuqasha."
Ngaphezu kwalokho, uma uthenga indlu yakho, ukwakha ingcebo esikhathini eside, ikakhulukazi uma inani lakho lekhaya liyakubonga ngokuhamba kwesikhathi, kuchaza uMclaughlin.
Ngokufanayo, abaninikhaya bathola izinzuzo ezehlukene zentela (bangakwazi ukubhala inzalo yomshuwalense we-interest and mortgage) futhi babe nokulawula okwengeziwe isikhala sabo njengoba bengenza ukuguqulwa ngaphandle kwemvume.
Ekugcineni, ukuthenga kuyingozi, kepha okunye kungakhokha isikhathi esikhulu. Vele ubuze abantu abathengile izindlu e-Atlanta ngonyaka ka-2011 no-2012, kusho uJosh Green, umhleli we-Curbed Atlanta. "Kusukela eKirkwood, ukuya e-Inman Park, eya eMidtown, eya eBravenven, [laba abanikazi bezindlu babona] amashumi ezinkulungwane zamaRandi, uma kungengamakhulu ezinkulungwane zamaRandi, ngokulingana. Kodwa abantu abathatha ukugembula ekuthengeni amakhaya nama-condos ngo-2005 kuya ku-2007 ububanzi bebelokhu behlabelela ingoma ebuhlungu kakhulu kuze kube yamuva, lapho amagugu ekugcineni eqala ukukhuphukela lapho ayekhona, ngaphambi kokuba ibhuloho livele. "