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Kodi mungagule nyumba ku Europe?

Chithunzi chojambula: Getty Images

Kukwera kwamitengo kukupangitsa anthu aku America ambiri kuyang’ana mopitilira.


mfundo zazikulu

  • Anthu aku America akutenga malo ku Europe, makamaka Portugal, Italy ndi France.
  • Dola yamphamvu imapangitsa kusamukira kudziko lina kukhala kokongola.
  • Khalani okonzeka kugwira ntchito kudzera pa tepi yofiyira yozungulira ma visa, misonkho, inshuwaransi, mabanki ndi zina za moyo wakunja.

Mtengo wosunga denga pamutu pako ndi chakudya patebulo ukupitilirabe kukwera, ndipo ambiri aku America akuyamba kukhumudwa. Mu June, ma renti apakatikati adakwera $2,000 kwa nthawi yoyamba, malinga ndi Redfin. Pakadali pano, mitengo yanyumba idakwera 30% pakati pa 2020 ndi 2022.

Ndiye n’zosadabwitsa kuti anthu ena aku America akuganiza zopita kunja kuti achepetse ndalama zawo. Europe ndi chisankho chodziwika bwino, makamaka popeza dola ili yamphamvu motsutsana ndi yuro pakadali pano. Makampani ogulitsa nyumba akuti pakhala chiwongola dzanja chochuluka kuchokera kwa ogula aku US, makamaka mayiko monga Portugal, Italy ndi France.

Paolo Fernandez, mwiniwake wa Paris Ouest Sotheby’s International Realty, akuti kuyendera tsamba la kampaniyo kuchokera kunja kwakwera 40% kuyambira Seputembala. “Ogula akunja amakhalabe ndi chidwi ndi Paris chifukwa miyala yamtengo wapatali ya Paris ndi ndalama zotetezeka, ndipo mitengo pano ikukwera nthawi zonse,” adatero.

Kodi mungagule nyumba ku Europe?

Ndizosatheka kufananiza mitengo mwachindunji pakati pa US ndi Europe chifukwa cha zinthu zosiyanasiyana. Monga momwe nyumba ku New York idzawonongera ndalama zambiri kuposa nyumba ku Mississippi, kugula m’mizinda ikuluikulu ku Switzerland kapena Germany kudzakhala kokwera mtengo kwambiri kusiyana ndi madera ena a Italy kapena Spain.

Mtengo wapakati wa katundu ku United States ndi $428,700, ngakhale mitengo imasiyana mosiyanasiyana mzinda ndi mzinda komanso mayiko. Malinga ndi kafukufuku wa The Ascent, malo aku Hawaii amawononga pafupifupi $ 1 miliyoni pomwe West Virginia imabwera zosakwana $150,000.

Mayiko ambiri a ku Ulaya amayezera mitengo ya katundu mu yuro pa sikweya mita m’malo moyerekeza mtengo wake wonse, zomwe zimapangitsa kuti zikhale zovuta kuziyerekeza ndi zofanana. Kafukufuku wina adawonetsa kuti mtengo wapakati wa malo ogulitsa nyumba ku Portugal – malo otchuka kwa anthu aku America pakali pano – unali pafupifupi $365,000 mgawo lachitatu la chaka chatha. Malo ndi nyumba m’madera ena a dzikolo ndi zosakwana $125,000.

Bloomberg analankhula ndi mayi wina amene anasamuka ku Atlanta kupita ku Italy. Kukwera kwamitengo kunkatanthauza kuti sanathe kukwera makwerero a malo ogulitsira nyumba ku United States ngakhale atatenga $300,000. Ku Sicily, adagula nyumba ndi malo ogulitsira pafupi ndi ma euro 60,000. Komanso, ngati mukulolera kukhala kumudzi wakutali ndikukonzanso kwambiri, pali madera ena ku Italy komwe akuluakulu aboma amagulitsa ma fastener apamwamba pa € ​​​​1 yokha. Sizinthu zazikulu momwe zimamvekera, chifukwa muyenera kumamatira kumitengo yokonzanso komanso zolipira zamalamulo.

Kuganizira popita kunja

Pali zokopa zambiri zokhala kudziko lina. Simungathe kuchepetsa mtengo kapena kugula malo pamsika wotsika mtengo, komanso mungasangalale kupeza chikhalidwe chatsopano. Ntchito yakutali imapangitsa moyo wosamukasamuka kukhala wosavuta, koma si aliyense.

Nawa ena omwe angayambitse mutu kwa aliyense amene akuganiza zoyenda kudutsa dziwe:

  • Visa ndi zolemba zina: Ndakhala m’maiko angapo, ndipo ma visa nthawi zonse amakhala nkhani yodziwika bwino pakati pa anthu ochokera kunja. Onetsetsani kuti mukumvetsa bwino malamulowo. Sakaninso kuti muwone ngati pali zosintha zomwe zikubwera.
  • Misonkho: Osayiwala malamulo amisonkho. Mukuyenera kulipira misonkho ku United States, ndipo ngakhale pali machitidwe opewera misonkho iwiri, mungafunikenso kulipira misonkho kwanuko. Onetsetsani kuti mwamvetsetsa zomwe muyenera kulipira, kuphatikiza msonkho uliwonse wapafupi kapena malo.
  • chinenero: Kuphunzira chinenero china kungakhale kovuta, monga kukhala m’dziko limene simulankhula chinenerocho. Ngati mukuganiza zosamukira ku Spain, France kapena Portugal, phunzirani maphunziro musanayende.
  • Ndalama za banki ndi kirediti kadi: Khadi langongole lomwe sililipiritsa zolipirira zochitika zakunja ndizoyenera. Kupanda kutero mutha kulipira pafupifupi 3% pazochitika zilizonse zakunja. Palinso ndalama zina zamabanki zomwe muyenera kuziganizira. Mwachitsanzo, ngati mukukonzekera kugula nyumba, mudzalipira kuti musamutse ndalamazi kumayiko ena.
  • Zaumoyo ndi inshuwaransi: Mungafunike kulipira inshuwaransi yazaumoyo padziko lonse lapansi. Onaninso mitundu ina ya inshuwaransi, mungafunike inshuwaransi yonyamula katundu, inshuwaransi yakunyumba, kapena inshuwaransi yoyenda kuti ikutetezeni ku umbava kapena umbanda.
  • Zadzidzidzi zosayembekezereka: Ngati mukupita kunja, mungafunike thumba lalikulu ladzidzidzi kuposa momwe munazolowera. Powerengera kuchuluka kwa ndalama zomwe muyenera kuziyika pambali, kumbukirani kuti pakagwa mwadzidzidzi kubwerera ku United States komanso nthawi yokafuna ntchito yatsopano.
  • Ngongole zanyumba: Malinga ndi mmene zinthu zilili pa moyo wanu, zingakuvuteni, kapenanso zosatheka, kupeza ngongole yogulira malo kunja. Khalani okonzeka kulipira chiwongola dzanja chokwezeka pa ngongole yanu yanyumba, komanso mwinanso kulipiranso chiwongola dzanja chokulirapo.

osachepera

Anthu a ku America akuyesa kwambiri ubwino wosamukira kudziko lina, makamaka ngati zimawathandiza kugula nyumba kapena kuchepetsa mtengo wa moyo. M’malo mofunsa ngati mungagule nyumba ku Ulaya, ganizirani ngati mudzatha kumanga moyo kudziko lina.

Kodi mudzatha kuyang’anira maubwenzi akutali ndi anzanu ndi abale? Ngati mumagwira ntchito kutali, mungathane bwanji ndi kusiyana kwa nthawi? Ndipo kodi muli ndi ndalama zomwe mwasunga kuti mulipirire zinthu zomwe simukuziyembekezera? Pamene mungakonzekeretu kwambiri, m’pamenenso chokumana nachocho chidzakhala chopindulitsa kwambiri.

Wobwereketsa Wabwino Kwambiri wa Ascent wa 2022

Mitengo yobwereketsa nyumba ili pamlingo wapamwamba kwambiri m’zaka – ndipo ikuyembekezeka kukwera. Ndikofunikira kwambiri kuposa kale kuyang’ana mitengo yanu ndi obwereketsa angapo kuti muteteze mitengo yabwino kwambiri ndikuchepetsa chindapusa. Ngakhale kusiyana pang’ono pamlingo wanu kungathe kuchepetsa ndalama zambiri zomwe mumalipira pamwezi.

Apa ndipamene Better Mortgage imabwera.

Mutha kuvomerezedwa kale m’mphindi zosakwana 3, osayang’ana ngongole nthawi zonse, ndikutseka mtengo wanu nthawi iliyonse. Ubwino wina? Salipira chindapusa chokhazikitsa kapena kubwereketsa (chomwe chingakhale mpaka 2% ya ndalamazo kwa obwereketsa ena).

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