Kutenga "imba yako yechipiri" kutanga kunogona kuva nzira yakakwana yekuenda kumba
Asi izvozvo hazvizunungusisi chido chekuisa midzi.
Saka vamwe vanzenji vezvikwata zvepamusoro-kutengesa vari kutora nzira inoshamisa kune veimba yavo: Kutenga "dzimba dzavo dzechipiri" vachiramba vachitora imba yavo yekugara. Kutenga kunogona kuva nzvimbo yokupukunyuka kumavhiki ekupedzisira, nzvimbo yaunopedza mazororo, kana nzvimbo yaunofunga kubhadhara kune vamwe semuiti wemari. Asi zvakare pakuchengetedza kutenda kwakapararira kuti kuva neimba yekutengesa ndiyo inowedzera mari.
"Paunotarisa, zvizvarwa zvose zvakaedza kuunganidza upfumi kuburikidza nehupfumi hwehupfumi," anodaro Mitchell Roschelle, PwC Partner uye mumwe wevakiki veyo real estate advisory practice. "Chinhu chinonyanya kukosha pamusoro peimba yemusha ndechekuti iwe unayo yako kwenguva yakakwana yekuripa, iwe wakaunganidza upfumi." Iyo "kuchengetedzwa kumanikidziro," anodaro, inobatsira iwe unogona kutarisa pamusoro pokurega basa, gare gare hupenyu, kana zvimwe zvinangwa .
Asi izvi hazvirevi kuti kutenga imba yezororo uchiri kubhadharira ndiyo inofanirwa kufamba iwe.
Heano zvimwe zvinhu zvaunoda kufunga.
The Real Estate Rationale
Pane nharo inofanira kuitirwa yekutsvaga muimba, inodaro Mark Zandi, gurukota rezvemari kuMoody's Analytics. "Mushure mekuputika, hapana munhu aigona kubata misha imwe chete yemhuri kunze kwemakungu," anodaro. "Asi mugore rekupedzisira kana maviri, vanhu vanowedzera vanofarira kugara muimba yemugove senzira yekuita mari ... Imba inofanirwa kunge ichidzoka." National Association of Realtors economist Lawrence Yun anobvumirana.
"Pfuma yehupfumi, pamusoro pekureba kwenguva refu, yakapa hupfumi kuunganidza, nokuti pfuma yezvivako yakakura kupfuura nguva," anodaro. "Mutengo iwoyo unoonga unogona kupa mukana wekutengeserana-kutenga."
Mutengo Unokoshesa Zvichida
Zvose zvivako, zvirokwazvo, nzvimbo. Panewo musiyano mukuru mukutenga fixer-kumusoro - uye kuisa mune rimwe jira rekudzivirira pamapera evhiki-zvichienderana nekutenga nzvimbo yakakosha uye kufungira pamusoro pekuisa nzvimbo yako pachigaro.
Asi zvinopawo kutarisa kuti ndezvipi zvingangodaro zvingaitwa munzvimbo dzekutarisa. Trulia inoshandisa nhamba yekuverenga kuti ienzanise mutengo kukoshesa muzororoji yezororo kunopesana nevasiri vezororo. Muna 2012 uye 2013, gore-gore-gore mutengo kuonga munzvimbo dzisiri dzezororo kwaive kanenge katatu kuti muzororo (6.6 muzana kune dzimwe nzvimbo dzisina nzvimbo dzezororo mumugumo wokupedzisira wa2013, zvichienzaniswa ne 1.9 muzana kune dzimwe nzvimbo dzezororo). Mune mamwe mazwi, imba inotengwa muguta kana mumuguta unenge uchida kukoshesa zvakakosha nokukurumidza kupfuura nzvimbo yekupera kwevhiki iwe unogona kutenga mune rimwe guta remahombekombe kana kumaruwa.
Asi pamusoro pemakore mashomanana adarika, kupera kwakanyanyisa, uye nzvimbo dzezororo dzimwe nguva dzinofambira mberi. Pakupedzisira kwaDisemba, mutengo muzvikamu zvezororo yakasimuka 5.2% gore-pamusoro pegore, zvichienzaniswa ne5 muzana mune zvisiri zvezororo.
Kutarisa mberi, Trulia inofanirwa kutarisa zvakanaka kunyange kutamba munda.
Mari Yekupa
Zvakakoshawo kunzwisisa kuti kutenga imba yechipiri kunogona kukubhadhara zvishoma kupfuura kutenga imwe yekutanga. Mari yekubhadhara inenge iri pasi ichave yakakwirira zvishoma, sezvinozoita chikwereti chechikwereti pane chikwereti - kusvika pamatunhu makumi mashanu kusvika ku100 nheyo, maererano neYun. "Kubva kune unokweretesa, inofungidzirwa kuti ine ngozi," anotsanangura kudaro. Ndiko nokuti, kana imba isiri yako yekugara uye iwe unowira pamatambudziko akaoma, zviri nyore kufamba, nokuti iwe uchine nzvimbo yekugara.
Ungakwanisa Kuitora Here?
Uyu ndiwo mubvunzo mukuru, uye ndicho chimwe chiri nyore kutadza. Kukanganisa kwakanyanya kwekutanga kwevabereki vekumba vanoita hakunzwisisi mari yebhodhi, anodaro Roschelle. "Vanotarisa kubhadhara kwemwedzi uye vanouya neimwe nhamba yezvinhu zvavanogona kuti vashandure kana vachikwereta.
Vanokanganwa kuti mubiyuta uri munenge muna 1987, uye vanofanira kuva ne1 muzana yehutengo hweimba inodonhedzwa nokuti chimwe chinhu chichaputsa. "
Nhungamiro Yake: Kana kuwedzera kwechikwereti kune nzvimbo yauri kurarama zuva rega rega pamwe nemari yeimba yechipiri iri kukwidza makumi mashanu kubva muzana yemari yako, hazvirevi. Imwe nzira yekuchengetedza mari yekutora nzvimbo yako yezororo mukutengesa ndeyokutenga panzvimbo pamwe nesangano reimba yeimba inotarisira kutarisirwa kugadziriswa: lawn care, kubviswa kwechando, nezvimwe.
Ichava Iko Mari?
Airbnb uye nzvimbo dzakadai seKhayaAway dzinoita kuti zvive nyore kushandisa imba yako yezororo kana iwe uchida uye uchibatsirwa nayo kana iwe usingaiti. "Zvakafanana neAmerica kurota pane steroids," anodaro Roschelle. "Handisi kungova nemugove waro, ndichaenda kuchiita bhizinesi." Tsika zvakanyatso, kunyange zvakadaro. Kana iwe uchikwereta imba yako kunze kwemazuva 14 pagore, haufaniri kubhadhara mutero pamari. Kupfuura izvozvo, zvakadaro, uye iwe uri kupinda munyika yakaoma yemitero inoda kujeka uye kushingaira-kuchengetedza rekodhi. Iwe unobva wavawo muridzi weimba, iyo (pari zvishoma) dambudziko uye (papamusoro) basa rechipiri.
Zvingaita Kuti Ramangwana Risunungure Vanoda Kukutenga Here?
Uri kutsvaga kutenga mune imwe nzvimbo apo vamwe vakasiya basa vangaguma vachida kuisa midzi? "Ndinofunga kuti tarisiro yehutano hwekugara yakanaka chaizvo, kunyanya kune nzvimbo yauchazoona vakawanda vakasiya basa mumakumi emakumi mashomanana anotevera," anodaro Zandi. Kana izvi zvichifunga, funga nezvomunhu akwegura angada muimba sezvaunotarisa: Makamuri makuru nemasuo, tenzi wekamuri yekamuri yepamusoro pane guru rekutanga, mukova usina stairways. Iwe unogona kusakwanisa kutora zvinhu zvose izvi (chikamu chiduku zvikuru chemuzinda weimba muU.S. dzose kune dzose), asi zvakanyanya zviri nani.