Kotero inu mukusamukira ku Atlanta (kodi mwawona chitsogozo ichi chokhala ndi moyo pafupi ndi madera? ) Ndi osatsimikiza kuti muyenera kubwereka kapena kugula? Uthenga wabwino ndi wakuti, mwasankha mzinda wokwera mtengo kwambiri, makamaka, mamita 100 apamwamba, a Atlanta ngati mizinda 60 yotsika mtengo kwambiri m'dziko muno pankhani ya ndalama komanso mizinda 45 yotsika mtengo kwambiri m'dzikoli amabwera kunyumba mitengo, malinga ndi Trulia.
Kukumba pang'ono chakuya:
- Kwa nyumba ziwiri zapakhomo, ndalama za ku Atlanta (zapakati pa $ 1,250 pamwezi pazipinda ziwiri) ndi $ 600 pamwezi kuposa mzinda wotchipa (Wichita), koma pafupifupi $ 2,500 pachaka mtengo kuposa mzinda wotsika kwambiri (San Francisco) ).
- Kwa nyumba ziwiri zam'chipinda, mitengo ku Atlanta (mtengo wogulitsa wamtengo wapatali ndi $ 230,000 pa zipinda ziwiri) ndi $ 134,000 kuposa mzinda wotsika mtengo (Detroit), koma pafupifupi $ 830,000 mtengo wotsika kuposa mzinda wotsika kwambiri (San Francisco).
Ndalama Zotani Zowonjezera: Kugula kapena Kugula?
Tinayitana katswiri wa zinyumba Ralph McLaughlin, wofufuza za nyumba za Trulia kuti atithandize. "Ngakhale zili bwino kubwereka kapena kugula kwenikweni kumadalira mkhalidwe uliwonse wa banja," akulongosola McLaughlin, podziwa zinthu monga ndalama zowonjezera ogula malonda, ngongole yawo ya ngongole, mzere wa msonkho ndi momwe angasamukire mwamsanga.
"Banja lirilonse liyenera kuganizira zochitika zawo-ngakhale kusintha kochepa pazochitika kungakhale kotsika mtengo kubwereka," akutero McLaughlin.
Kodi Mudzakhala Ndi Mpaka Liti?
Kupatula pazinthu zachuma, chisonyezero chimodzi chokha chokha ngati ndi bwino kubwereka kapena kugula ndi nthawi yayitali bwanji mukukonzekera kukhala kunyumba. Zikatero, Zillow yawerengetsera kuti malo ozungulira a Atlanta akuyendera bwino poyang'ana momwe ndalama zimagulira nyumba, ndiyeno zingakhale zotani kubwereka nyumba yomweyi, kuganizira ndalama ngati inshuwalansi, ndi kusamalira.
Yang'anirani zochitika za breakeven ku malo ena otchuka kwambiri a Atlanta:
- Metro Atlanta: chaka chimodzi
- Downtown: .9 zaka
- Midtown: zaka 1.1
- Buckhead: zaka 1.8
- Dunwoody: zaka 1.4
- Roswell: zaka 1.1
Nanga zonsezi zikutanthauza chiyani? Poyang'ana pa Atlanta yonse, gawo lopanda malire la chaka chimodzi limatanthauza kuti ngati mukufuna kukakhala kwanu kwa chaka chimodzi, ndi bwino kugula nyumbayo kusiyana ndi kubwereka. Ku Buckhead, muyenera kukhala nthawi yaitali kuti muwonongeke kuti mukuyenera kubwereka ku Buckhead ngati mukukonzekera kuti musamuke zaka zosachepera ziwiri.
Mofananamo, mungagwiritse ntchito chida cha Trulia cha Rent vs Buy kuti muyesere zochitika zingapo zochokera ku zachuma. Tiyerekeze kuti renti yanu yowonongeka mwezi uliwonse ndi $ 1,250 (mtengo wam'ndandanda wa maulendo awiri ogona ku Atlanta) ndipo mtengo wanu wamtengo wapatali ndi $ 230,000 (mtengo wamkati wa nyumba ziwiri zogulitsira ku Atlanta). Tiyeneranso kuganiza kuti muli mu 25% ya msonkho wa msonkho ndipo ndalama zomwe mumagulitsa ndi 3,8 peresenti. M'munsimu muli zowerengeka za nthawi kuti mukhale pakhomo kuti muone zomwe zili zotsika mtengo:
- Chaka 1: Kutenga ndi 58 peresenti mtengo kuposa kugula.
- Zaka 3: Kunyumba ndi 14 peresenti yotsika mtengo kuposa kugula.
- Zaka zisanu : Kugula ndi 9% mtengo kuposa kugula.
- Zaka 10: kugula ndi 27% mtengo kuposa kugula.
- Zaka 25: Kugula ndi mtengo wa 36 peresenti kuposa kugula.
Malingana ndi manambalawa, ngati mukukonzekera kusamuka zaka zitatu kapena zosachepera, mungakhale bwino kubwereka, koma ngati mukukonzekera kukhala m'nyumba kwa zaka zisanu kapena kuposerapo, ndi ndalama zambiri kugula.
Phindu la Kugulira vs. Kugula:
Moyo ndi wokhudzana ndi malonda, makamaka pankhani ya malonda. Ngakhale phindu la kubwereka limaphatikizapo ufulu wochuluka (osadzipereka ku ngongole), ndalama zochepa zogulira (palibe malipiro, malipiro, etc.) komanso ndalama zochepa (kuphatikizapo kukonzanso, kukonzanso ndi msonkho), pali mavuto ena, "adatero McLaughlin. Momwemo, "ku Atlanta, kugula ndi wotsika mtengo kuposa kubwereka."
Komanso, mukamagula nyumba yanu, mumakhala ndi chuma nthawi yaitali, makamaka ngati phindu lanu la nyumba likuyamikira nthawi yambiri, akufotokoza McLaughlin.
Mofananamo, eni nyumba amalandira misonkho yosiyanasiyana (akhoza kulemba chiwongoladzanja ndi inshuwalansi ya ngongole) ndikukhala ndi nthawi yambiri yosamalira malo awo pamene angathe kusintha popanda chilolezo.
Pamapeto pake, kugula ndi chiopsezo, koma chomwe chingathe kulipira nthawi yayikulu. Afunseni anthu omwe adagula nyumba ku Atlanta mu 2011 ndi 2012, akuti Josh Green, mkonzi wa Curbed Atlanta. "Kuchokera ku Kirkwood, kupita ku Inman Park, kupita ku Midtown, kupita ku Brookhaven, [eni nyumbawo anawona] madola masauzande masauzande madola zikwi mazana ambiri. Koma anthu omwe adagula masewera ogula nyumba ndi condos m'chaka cha 2005 mpaka 2007 anali akuimba nyimbo yowawa kwambiri mpaka posachedwapa, pamene mfundo zapamwamba zinayamba kukwera kumalo kumene iwo anali, asanayambe kuphulika. "