Malo ogulitsa ku USA: Malangizo 10 ogulira nyumba pamphepete mwamadzi

Malangizo 10 ogulira nyumba pamphepete mwamadzi

Mukuyang'ana nyumba yokhala ndi nyanja kapena nyanja? Ngakhale kugula nyumba yapamadzi kungakhale ndalama zambiri, kungakhalenso kovuta. Kaya ndi nyumba ya kunyanja kapena nyumba yapanyanja yomwe mukufuna, tikupangira kuti muphunzire zabwino ndi zoyipa zokhala ndi nyumba yakunyanja musanachitepo kanthu.
Nawa maupangiri 10 ogulira nyumba yam'mphepete mwamadzi pamsika wamakono:

1. Mvetserani cholinga cha nyumba yanu yam'mphepete mwa nyanja

Musanayambe ntchito yosaka nyumba, ndikofunika kuti mumvetsetse chifukwa chake mukufuna kugula nyumba yapamadzi poyamba. Kodi iyi ikhala nyumba yanu yoyamba? Kodi mumachereza alendo? Kodi mukukonzekera kugula ngati malo ogulitsa ndikubwereketsa? Kodi mudzapumula kunyumba? Awa ndi mitundu ya mafunso omwe muyenera kudzifunsa nokha. Mukasankha cholinga cha nyumbayo, zimakhala zosavuta kuti muzindikire ngati nyumbayo ili ndi zofunikira zomwe mukufuna. Izi zikutanthauza kuti nthawi yocheperako imatayidwa panyumba zosayenera komanso nthawi yochulukirapo yoyendera nyumba zomwe zingatheke.

2. Yang'anani dera ndikulankhula ndi anansi

Chimodzi mwa zinthu zabwino kwambiri zomwe mungachite musanagule nyumba yapamadzi (kapena nyumba iliyonse) ndikufufuza malo ndikulankhula ndi anansi. Onetsetsani kuti malo oyandikana nawo komanso zikhalidwe zakumaloko zikugwirizana ndi zosowa zanu. Mwachitsanzo, ngati mukuyang'ana mtendere ndi bata, musagule nyumba pamalo omwe ali ndi phokoso lalikulu komanso malo aphwando. Kumbali ina, ngati mukuyang’ana malo ochezera, mungakonde kukhala kumalo kumene maphwando aphokoso amaloledwa. Ndibwinonso kufufuza m'tauni kapena m'dera lanu kuti muwonetsetse kuti malowa ali ndi zinthu zomwe mukufuna.

3. Werengani malamulo onse a HOA poyamba

Nyumba zambiri zam'mphepete mwamadzi zili m'madera a HOA okhala ndi malamulo okhudza chilichonse kuyambira pakubwereketsa malo anu mpaka kusamalira bwalo lanu. Ngati nyumba ya m'mphepete mwa nyanja kapena nyumba ya nyanja ndi gawo la HOA, onetsetsani kuti muli omasuka ndi malamulowa musanagule malowo. Kuphatikiza pa malamulo okhwima okhudza kubwereketsa ndi maonekedwe a pabwalo, ma HOA ambiri ayenera kuvomereza zosintha zonse zomwe zapangidwa kunyumba ntchitoyo isanagwire ntchito. Izi zingaphatikizepo kusintha kwa nyumbayo kapena kusintha kwa doko.

4. Onani mitengo ya inshuwaransi

Mitengo ya inshuwaransi imakhala yokwera kwambiri m'nyumba zapamadzi kuposa nyumba zachikhalidwe. Chifukwa chiyani? Kuyandikira kwa madzi nthawi zambiri kumatanthauza kuwonongeka kwa masoka achilengedwe ndi zoopsa zachilengedwe (ganizirani: kusefukira kwa madzi, mphepo yamkuntho, mvula yamkuntho, chinyezi mumlengalenga, etc.). Mukamayang'ana inshuwaransi ya eni nyumba, onetsetsani kuti mumalankhula ndi wothandizila pazosankha zanu zonse. Mungafunike kuganizira zogulira inshuwaransi yosiyana ya magawo osiyanasiyana a nyumba, monga doko lamadzi. Inshuwaransi ya kusefukira nthawi zambiri imakhala yosiyana. Amene amakhala pamadzi kapena pafupi ndi madzi ayenera kugula inshuwaransi ya kusefukira kwa madzi.

5. Khalani okonzeka kuchitapo kanthu mwamsanga

Mukudziwa zomwe akunena: mumangogona, mumataya. Izi zimachitika nthawi zambiri pogula nyumba yapamadzi. Kupatula apo, palibe nyumba zambiri zomwe zili panyanja kapena gombe. Ndi zochepa zotere, timalimbikitsa kukhala ndi abakha anu onse motsatana musanayambe ntchito yosaka nyumba. Izi zikutanthauza kupeza broker wodalirika, kufufuza malo, kupanga bajeti yanu ndi kuvomerezedwa kale kuti mubwereke ngongole.

6. Kumbukirani zachinsinsi

Ngakhale kuti nyumba za m'mphepete mwa nyanja ndi nyanja zimabwera ndi zinthu zambiri zothandiza komanso zopindulitsa, chinthu chimodzi chomwe amasowa nthawi zambiri ndichinsinsi. Pokhapokha ngati nyumbayo ili pamphepete mwa nyanja kapena malo obisika, simudzakhala ndi zinsinsi zambiri. Ngati derali ndi lokongola komanso lodziwika ndi omwe ali patchuthi, mutha kubetcha kuti padzakhala anthu ambiri oyenda pamadzi ndikucheza patali pang'ono ndi kwanu. Ngati mukufuna zachinsinsi, mungafunike kuwonjezera zokongoletsa malo kapena mazenera kuti nyumba yanu ikhale yachinsinsi.

7. Konzekerani kukonzekera mwachizolowezi

Si chinsinsi kuti malo a m'mphepete mwa nyanja amafunikira chisamaliro chochuluka. Kuwonongeka kumeneku nthawi zambiri kumakhudzana ndi nyengo (monga kutentha, chinyezi, mphepo yamkuntho, ndi masoka ena achilengedwe). Nyumba zapafupi ndi gombe zimathanso kukhudzidwa ndi mpweya wamchere. Nyumba za m'nyanja zokhala ndi madoko amadzi zimafunikanso kukonzedwa pafupipafupi chifukwa kukhudzana ndi madzi kumasintha zinthu kwambiri. Musanagule nyumba, ndikofunikira kumvetsetsa kuchuluka kwa zosowazi. Mudzafuna akatswiri angapo okonza manja ndi okonza kuti azitumikira kunyumba. Tikukulimbikitsani kufunsa ogulitsa (ndi oyandikana nawo) kuti atipatse malingaliro odalirika.

8. Osataya mtima pamayeso

Ngakhale ndizovuta kudumpha kuyang'ana poyesa kulumikizana ndi ogulitsa, sikuti nthawi zonse zimakhala zanzeru - makamaka pogula malo akunyanja. Poganizira momwe nyanja ndi nyumba zamphepete mwa nyanja zilili pachiwopsezo cha masoka achilengedwe komanso kuwonongeka kwa nyengo, ndikofunikira kudziwa zomwe mukugula. Kupanda kutero, mutha kulipira ndalama zogulira zokwera mtengo komanso zosintha zofunika. Kudumphanso koyang'anira kungakhalenso koopsa - makamaka ngati nyumbayo ili ndi vuto lalikulu lachitetezo. Nkhungu, mavuto a maziko, ndi kudontha kwa denga ndizovuta zochepa zomwe oyendera amakumana nazo akamayang'ana nyumba zam'mphepete mwamadzi. Onetsetsani kuti mwalemba ganyu woyang'anira wodalirika kuti ayendere bwino malowo musanagule.

9. Pangani zosintha zofunika pogula nyumbayo

Mukamagula nyumba yapamadzi, pangani zosintha zoyenera kuyambika kuti musakumane ndi zokonza zodula - kapena zoyipa - kuwonongeka kodula pambuyo pake. Tsoka ilo, nyumba zam'mphepete mwa nyanja zimakonda kumenyedwa kwazaka zambiri. Ngakhale nyumba zomanga zatsopano zimafunikira kusinthidwa nthawi ndi nthawi. Kumbukirani kuti si nyumba zonse zomwe zili m'madera omwe nthawi zambiri zimakhala ndi mphepo yamkuntho zomwe zimamangidwa ndi zipangizo zolimbana ndi mphepo yamkuntho. Nyumba zambiri zakale zamatabwa zamatabwa sizingathe kupirira zinthu. Ngati mukugula nyumba yakale m'dera la mphepo yamkuntho, mungafunike kusintha mazenera akale ndi mawindo osagwira mphepo yamkuntho opangidwa ndi magalasi osagwira ntchito. Ngati simusintha mazenera, muyenera kuonetsetsa kuti nyumbayo ili ndi zotsekera zamphepo yamkuntho. Nyumba za m'nyanja zingafunikirenso kusinthidwa m'malo kapena doko ngati doko lili ndi zaka zopitilira 20.
Onetsetsani kuti madoko omwe alipo ali ndi zilolezo ndipo ntchito zonse zomwe zamalizidwa zili ndi code.

10. Osanyalanyaza nkhawa za kusintha kwa nyengo

Palibe kukaikira za izi: kusintha kwa nyengo kuyenera kuganiziridwa mozama pogula malo akunyanja. Kukwera kwa madzi a m'nyanja ndi nyengo yoipa kwambiri zitha kusokoneza nyumba zapamadzi m'tsogolomu. Amene akugula nyumba ya m'mphepete mwa nyanja yomwe ili pamphepete mwa nyanja angafune kusankha nyumba pazitsulo (yomwe ili yokwezeka) pamwamba pa nyumba yakale pansi. Onetsetsani kuti mufunsa zomwe ma municipalities akutani kuti athane ndi zovuta za kusintha kwa nyengo mdera lanu (monga kukonza makoma a m'nyanja ndi kuwonjezera matumba a mchenga).