Ngoko uhamba waya e-Atlanta (sele ubonile esi sikhokelo sokuphila ngokumelene needolophu? ) Kwaye ungaqinisekanga ukuba ufanele urente okanye uthenge? Iindaba ezilungileyo kukuba, uthathe isixeko esinokuthengwa kakhulu-ngokwenene, kwii-100 metros eziphezulu, e-Atlanta njengama-metro angamaxabiso aphantsi kweli lizwe xa kuziwa kwiindleko kunye ne-metro engamaxabiso angaphantsi kweli lizwe xa iza kwiindleko zendlu, ngokweTrulia.
Ukumba ubuncinane:
- Kwizindlu ezimbini zokulala, ii-rents e-Atlanta (i-median i-$ 1,250 ngenyanga ngekamelo lokulala ezimbini) kuphela ngama-dollar ayi-600 ngenyanga ngaphezu kwesixeko esincinci (i-Wichita), kodwa phantse i-$ 2,500 ngenyanga yabizi ngaphezu kwedolophu ebiza kakhulu (iSan Francisco ).
- Kwizindlu ezimbini zokulala, amaxabiso ase-Atlanta (ixabiso lokuthengisa eliphakathi kwamadola ama-230,000 kwiigumbi ezimbini zokulala) ziyi-134,000 ezingaphezu kweedolophu ezincinci (Detroit), kodwa phantse i-$ 830,000 engabizi ngaphezu kwedolophu ebiza kakhulu (iSan Francisco).
Yiyiphi engcono kwizeMali: Ukuqasha okanye ukuthenga?
Sazibiza ngeengcali zengcebo yendawo yokuhlala uRalph McLaughlin, uqoqosho lwezindlu lwaseTrulia, ukuze asincede nale. "Kungakhathaliseki ukuba kungcono ukuqesha okanye ukuthenga ekuxhomekeke ekuxhomekeke kwimeko nganye yendlu," kuchaza uMclaughlin, echaza izinto ezinjengexabiso elithile lokuthengwa kwentlawulo, abathengi babo, ikhonksi yabo yentlawulo kunye nokukhawuleza ukuba bahambe njani.
"Imindeni nganye kufuneka iqwalasele imeko ethile-nokuba utshintsho oluncinane kwiimeko lungenza kube lula ukurenta," kutsho uMcLaughlin.
Uhlala Kude Kangakanani?
Ngaphandle kweemali, isibonakaliso esikhulu kunazo zonke ukuba kungcono ukurenta okanye ukuthenga ixesha elingakanani uceba ukuhlala ekhaya. Ngaloo ndlela, i-Zillow ibalwe ingqungquthela yokuphulukana kwiindawo ezahlukahlukeneyo ngeAtlanta ngokujonga indlela ebiza ngayo ukuthenga indlu, kwaye ke ingaba iindleko zokuqashisa njani indlu efanayo, kuthatha iindleko ezifana ne-inshurensi yokuthenga imali, kunye nokugcinwa.
Khangela ingqwalasela ekugqibeleni iindawo ezithandwayo:
- Metro Atlanta: 1 unyaka
- Downtown: .9 iminyaka
- Midtown: 1.1 iminyaka
- Buckhead: iminyaka eyi-1.8
- Dunwoody: 1.4 iminyaka
- URosswell: iminyaka eyi-1.1
Ngoko oko kuthetha ntoni? Ukujonga yonke i-Atlanta, iphuzu lokuphulukisa eli-1 lonyaka lithetha ukuba ukuba uceba ukuhlala ekhaya lakho iminyaka engaphezu konyaka, kungcono ukuthenga loo ndlu kunokuba uyiqashise. Kwi-Buckhead, kuya kufuneka uhlale ixesha elide ukwenzela ukuba utshitshise i-horizontal-inqobo kuthetha ukuba kufuneka uyiqashise eBuckhead ukuba uceba ukuhamba kwakhona ngaphantsi kweminyaka emibini.
Ngokufanayo, ungasebenzisa ithuluzi leTrulia neRhafu yokuThengisa ukuhlola iziganeko ezimbalwa ezisekelwe kwiimeko zezimali. Makhe sicinge ithagethi yakho yenyanga yenyanga i-$ 1,250 (intengo yoluhlu lwamaxabiso e-rental rooms ezimbini e-Atlanta) kunye nexabiso lakho elikujoliswe kwikhaya li-$ 230,000 (intengo ephakathi kwamakamelo amabini okulala athengiswa e-Atlanta). Masibuye sicinge ukuba ungama-25 ekhulwini lokukhangela irhafu kwaye izinga lakho lokuboleka imali li-3.8 ekhulwini. Ngezantsi zidweliswe inani elithile lexesha lokuba uhlale ekhaya ukuze ubone okuthengekayo:
- Unyaka o-1: Ukuqeshisa ngama-58 ekhulwini kuncinci kunokuthenga.
- Iminyaka emithathu: Ukuqasha i-14 yeepesenti kunexabiso elingaphezu kokuthenga.
- Iminyaka emi-5 : Ukuthenga i-9 ekhulwini iphantsi kunexabiso lokuthenga.
- Iminyaka eyi-10: Ukuthenga ngamaxabiso angama-27 angabizi ngaphezu kokuthenga.
- Iminyaka engama-25: Ukuthenga ngamaxabiso angama-36 exabiso kunokuthenga.
Ngokusekelwe kula manani, ukuba uceba ukufuduka kwiminyaka emithathu okanye ngaphantsi, uya kuba ngcono ekuqeshweni, kodwa ukuba uceba ukuhlala endlwini iminyaka emihlanu okanye ngaphezulu, kuninzi ukonga ukuthenga.
Izinzuzo zokuqeshisa nokuthenga:
Ubomi bunjalo malunga nokuthengiswa kweentengiso, ngokukodwa xa kuziwa kwindawo yokuhlala. Nangona iinqununu zokuqasha ziquka inkululeko enkulu (akukho ukuzinikela kwi-mortgage), iindleko zokuthengiswa kwexabiso elingaphantsi (akukho mali yokuhlawula imali, ii-commissions, njl.) Kunye neendleko ezimbalwa jikelele (kubandakanya ukugcinwa, ukulungiswa kunye nentlawulo), kukho ukuhlaliswa kwezinto ezincinane, "kusho uMcLaughlin. Ngokufanayo, "e-Atlanta, ukuthenga kungabizi kunokuba kuqeshwe."
Ngaphezu koko, xa uthengela ikhaya lakho, ukwakha ubutyebi kwixesha elide, ngakumbi ukuba ixabiso lakho lasekhaya liyakuxabisa ngokuhamba kwesikhathi, kuchaza uMcLaughlin.
Ngokufanayo, abanini bezindlu bafumana iintlawulo ezahlukeneyo zentlawulo (banokubhala inzala kunye ne-inshurensi yemali yempesheni) kwaye banokulawula ngaphezulu indawo yabo njengoko banokwenza utshintsho ngaphandle kwemvume.
Ekugqibeleni, ukuthenga kuyingozi, kodwa enye inokuhlawula ixesha elikhulu. Mane ucele abantu abathengile izindlu e-Atlanta ngo-2011 no-2012, uthi uJosh Green, umhleli we-Curbed Atlanta. "Ukusuka eKirkwood, ukuya e-Inman Park, ukuya eMidtown, ukuya e-Brookhaven, [aba bantu babona] amashumi amawaka eedola, ukuba kungengamakhulu amawaka eedola, ngokulingana. Kodwa abantu ababethabathe i-gamble ekuthengeni amakhaya kunye ne-condos ngo-2005 ukuya ku-2007 ubude babecula ingoma enomsindo kude kube kutshanje, xa amaxabiso ekugqibeleni aqala ukunyuka abuyele apho ayekhona, ngaphambi kokuba ibhola liqhamuka. "