Saka iwe uri kutamira kuAtlanta (waona here mutungamiri wekugara uchida nemajuta? ) Uye usina chokwadi kana iwe uchifanira kukodha kana kutenga? Nhau dzakanaka ndedze, iwe wakatora guta risingakoshi zvikuru-chaizvoizvo, yepamusoro 100 metros, Atlanta mitsara semakumi matanhatu emadhora ekudhura munyika muno kana iri kuuya kumatare uye nemadhora makumi mana anodhura munyika iyo inouya kumitengo yemba, maererano neTrulia.
Kuchera zvishoma:
- Kwemakamuri maviri ekuvata, zvikwereti muAtlanta (iyo miviri ndeye $ 1,250 pamwedzi pamakamuri maviri ekurara) ine $ 600 chete pamwedzi kupfuura yeguta risingadhuri (Wichita), asi inoda kusvika $ 2 500 pamwedzi inodhura kudarika guta rinodhura zvikuru (San Francisco ).
- Kwemakamuri maviri ekuvata, mutengo muAtlanta (mutengo wekutsvaga kwemazana ye $ 230,000 pamakamuri maviri ekurara) kune $ 134,000 kupfuura guta rakaderera zvikuru (Detroit), asi rinoda madhora 830 000 inodhura kudarika guta rinodhura zvikuru (San Francisco).
Ndezvipi zviri nani mari mune zvemari: Kuwana kana kutenga?
Takadana muchengeti wemuzinda Ralph McLaughlin, Trulia wezvokuchengetedza dzimba, kuti atibatsire neiyo. "Zvingave zviri nani kubvarura kana kutenga pakupedzisira zvinotarisana nemamiriro ezvinhu emhuri imwe neimwe," anotsanangura kudaro McLaughlin, achicherechedza zvinhu zvakadai semari yakawanda yekubhadhara mutengi vatengi vane, chikwata chekubhadhara, chikwereti chemutero uye nokukurumidza vangaenda sei.
"Mhuri imwe neimwe inofanirwa kufungisisa mamiriro avo ezvinhu-kunyange kuchinja kuduku mumamiriro ezvinhu kunogona kuita kuti zvive zvishoma kudhura," anodaro McLaughlin.
Ucharamba Uchigara Rini?
Kunze kubva mune zvemari, iyo imwe huru chiratidzo chekuti zviri nani kukwereta kana kutenga ndezvokuti iwe unoronga kwenguva yakareba sei kugara mumba. Sezvo zvakadaro, Zillow yakarongedza nzvimbo yakasiyana-siyana yepamunharaunda kuburikidza neAtlanta nekucherechedza kuti zvinodhura kutenga imba, uye zvakadini zvaizodhura kubhadhara iyo iyo imba imwe chete, ichifunga nezvekutengesa mari yakafanana ne mortgage inshuwarisi, uye kuchengetedza.
Tarisa uchitarisiko chechikafu chekunaka kune dzimwe nzvimbo dzeAtlanta dzakakurumbira:
- Metro Atlanta: 1 gore
- Downtown: .9 years
- Midtown: 1.1 makore
- Buckhead: 1.8 years
- Dunwoody: 1.4 makore
- Roswell: 1.1 makore
Saka izvi zvose zvinorevei? Kutarisa paAtlanta yose, nzvimbo inopesana yegore rimwe inoreva kuti kana iwe uronga kugara mumba mako kwegore rinopfuura rimwe, zviri nani kutenga imba iyo pane kuvhura iyo. MuBuckhead, iwe uchafanirwa kugara kwenguva yakareba kuitira kuti urove iyo horizontal-iyo inoreva kuti iwe unofanira kukodha muBuckhead kana uchida kudzokerazve mumakore mashoma maviri.
Saizvozvowo, unogona kushandisa Trulia's Rent vs Buy tool kuti uongorore zviitiko zvishomanana zvichienderana nemamiriro emari. Ngatitorei kuti chikwata chenyu chekubhadharwa kwegore roga roga ndeche $ 1,250 (mutengo wepakati pemutengo wekugara kwemba maviri muAtlanta) uye mutengo wako wemusha uri $ 230,000 (mutengo wemuviri weimba mbiri yekuviga inotengeswa muAtlanta). Ngatitaurirewo kuti uri mune 25 muzana mutero bhakiti uye yako mortgage rate iri 3.8 muzana. Pasi panotarirwa zvikamu zvakasiyana-siyana zvekugara mumusha kuti uone kuti ndezvipi zvinobvira:
- 1 gore: Kubhadhara 58% inodhura kudarika kutenga.
- Makore matatu: Kuvhura kune 14 muzana inodhura kupfuura kutenga.
- Makore mashanu : Kutenga 9% inodhura kupfuura kutenga.
- Makore gumi: Kutenga ndiyo 27 muzana inodhura kupfuura kutenga.
- Makore makumi maviri nemashanu: Kutenga kuri 36 muzana kunodhura kupfuura kutenga.
Kubva pane nhamba idzi, kana uri kuronga kutama mumakore matatu kana zvishoma, iwe unenge uri nani kubhadhara, asi kana uri kuronga kugara mumba kwemakore mashanu kana kupfuura, inowedzera mari kutenga.
Kubatsirwa Kwekubhadhara vs. Kutenga:
Upenyu huri pamusoro pezvokutengeserana, kunyanya kana zvinosvika kune dzimba. Kunyange zvazvo zvikwereti zvekubhadhara zvinosanganisira rusununguko rwakawanda (pasina kuzvipira kune chikwereti), mari shoma yekutengesa (pasina kubhadharwa mari, makomisheni, nezvimwewo) uye zvishomanana mari dzinosanganisira (kusanganisira kugadzirisa, kugadziriswa nemitero), kune zvimwe zvishoma, anodaro McLaughlin. Zvimwe, "muAtlanta, kutenga kunodhura kudarika kubhadhara."
Uyezve, paunotenga imba yako, uri kuvaka upfumi mumazuva mazhinji, kunyanya kana kukosha kweimba yako kuchikoshesa kupfuura kwenguva, rinotsanangura McLaughlin.
Saizvozvowo, vagari vomunharaunda vanogamuchira mitero yakasiyana-siyana yemitero (vanogona kunyora chikwereti uye mortgage inshuwarisi) uye vane humwe hutungamiri pane nzvimbo yavo sezvavanogona kugadzirisa pasina mvumo.
Pakupedzisira, kutenga ingozi, asi imwe inogona kubhadhara nguva huru. Ingobvunza vanhu vakatenga dzimba muAtlanta muna 2011 uye 2012, anodaro Josh Green, munyori weChebeded Atlanta. "Kubva kuKirkwood, kuenda kuInman Park, kuMidtown, kuenda kuBraokhaven, [ava vagari vomuimba vakaona] makumi ezviuru zvemadhora, kana kwete mazana ezviuru zvemadhora, muhutano. Asi vanhu vakatora mutambo wokutenga misha uye condos muna 2005 kusvika muna 2007 range vakanga vachiri kuimba rwiyo runosuruvarisa kusvikira munguva ichangopfuura, apo hutsika pakupedzisira yakatanga kukwira kudzokera kwaive, kwaiva mberi kwebhuruu iripo. "