Paskola namo remontui, kada verta pasinaudoti? (3)

paskola
Svajojate atnaujinti savo maždaug 1989 m. virtuvę, tačiau jūsų biudžetas nėra pakankamai didelis, kad tos svajonės išsipildytų. Ar turėtumėte imti paskolą būstui atnaujinti, kad sumokėtumėte už būsto rekonstrukciją? Būsto tobulinimo paskolos kaina priklauso nuo paskolos tipo, jūsų kredito balo ir kitų veiksnių. Sužinokite, kaip nuspręsti, ar paskola būsto pagerinimui jums tinkama.

Kaip namų tobulinimas veikia jūsų namo vertę?

Namų savininkai dažnai mano, kad namų tobulinimas atsiperka, nes padidina namo vertę. Tačiau svarbu žinoti, kad namų tobulinimas nepadidins jūsų namų vertės.

Žurnalas „Remodeling Magazine“ kasmet apskaičiuoja vidutines įprastų namų tobulinimo projektų išlaidas ir 2021 m. duomenimis, nedidelė virtuvės rekonstrukcija atperka 72% savo vertės.

Jei nesitikite greitai parduoti savo būsto, turėtumėte atlikti namų patobulinimus, kad jūsų namai taptų patogesni gyventi, ne tik todėl, jog manote, kad tai padidins perpardavimo vertę. Jei planuojate parduoti savo namą, nekilnojamojo turto specialistas gali padėti nustatyti pelningiausius patobulinimus.

 

Paskola namo remontui, ar verta, apsvarstykite:

Projekto kaina: gaukite medžiagų ir darbo sąmatą. Jei projektas yra palyginti nebrangus, ar galėtumėte skirti šiek tiek laiko sutaupyti pinigų ir sumokėti grynaisiais.

Jūsų nuosavas kapitalas: nuo nuosavo kapitalo, kurį turite savo namuose, dažnai lemia, kiek galite pasiskolinti. Nekilnojamojo turto svetainės arba vietiniai nekilnojamojo turto agentai gali padėti įvertinti jūsų namo vertę. Iš savo namo vertės atimkite, kiek esate skolingi, ir suprasite, kiek turite nuosavo kapitalo.

Jūsų biudžetas: jei ieškote paskolos su mažomis mėnesinėmis įmokomis, paprastai turėsite ilgesnį grąžinimo terminą. Atsižvelkite į paskolos terminą, kurio jums reikės, ir į tai, kiek ji jums kainuos palūkanų.

Jūsų skolos ir pajamų santykis matuoja, kiek jūsų bendrųjų mėnesinių pajamų tenka skolai sumokėti.

Kiek laiko būsite namuose: jei tikitės persikelti per penkerius metus, didelis projektas gali būti nevertas išlaidų. Dideli namų patobulinimai yra prasmingesni, jei planuojate likti ten penkerius metus ar ilgiau.

Kiekvienas atvejis yra labai indvidualus, todėl patys asmeniškai turite viską apsvarstyti ir nuspręsti ar jums tikrai reikia paskolos.

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    Komentaras

    https://daaleell.blogspot.com/ موقع الدليل
    https://daaleell.blogspot.com/2015/10/Transfer-and-relocation.html نقل عفش داخل مكة
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    https://daaleell.blogspot.com/2016/04/Transfer-and-relocation.html نقل عفش بالمنطقة الجنوبية
    https://daaleell.blogspot.com/2016/04/Movers-in-medina.html نقل عفش بالمنطقة الشمالية

    ...................................................................

    https://weesaal.blogspot.com/ موقع وصال
    https://weesaal.blogspot.com/2017/03/ransfer-and-relocation-medina.html شركة نقل عفش بالمدينة
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    https://weesaal.blogspot.com/2017/02/Movers-in-taif.html شركة نقل عفش بالطائف
    https://weesaal.blogspot.com/2017/12/Movers-al-ahsa.html شركة نقل عفش بالاحساء
    https://weesaal.blogspot.com/2017/02/Movers-Jubail.html شركة نقل عفش بالجبيل
    https://weesaal.blogspot.com/2017/02/Movers-tabuk.html شركة نقل عفش بتبوك
    https://weesaal.blogspot.com/2016/08/Movers-in-riyadh.html شركة نقل عفش بالرياض
    https://weesaal.blogspot.com/2016/09/Movers-jeddah.html شركة نقل عفش بجدة
    https://weesaal.blogspot.com/2017/02/Movers-dammam.html شركة نقل عفش بالدمام
    https://weesaal.blogspot.com/2017/02/Movers-in-al-khobar.html شركة نقل عفش بالخبر
    https://weesaal.blogspot.com/2017/02/Movers-in-the-al-baaha.html شركة نقل عفش بالباحة
    https://weesaal.blogspot.com/2017/10/Movers-in-hafr-al-batin.html شركة نقل عفش بالحفر
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    https://weesaal.blogspot.com/2017/02/Movers-in-yanbu.html شركة نقل عفش بينبع
    https://weesaal.blogspot.com/2016/08/Movers-in-Jeddah.html شركة نقل عفش برابغ
    https://weesaal.blogspot.com/2017/02/company-in-Jazan.html شركة نقل عفش بجيزان
    https://weesaal.blogspot.com/2018/10/cleaning-tabuk.html شركات تنظيف في تبوك

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    https://sites.google.com/site/riyadhjedah/
    https://sites.google.com/site/movmakkah/

    https://almdar-furnituretransport.com/
    https://sites.google.com/site/naqelinmakkah/
    https://moversintaif.site123.me/
    https://albeetalzhabi.3abber.com/
    https://groups.google.com/g/moversintaifmovers
    https://groups.google.com/g/movingf-urniture-companies
    https://albeetalzhabi.blogspot.com/
    https://weesaal.blogspot.com/
    https://forsanksa.blogspot.com/

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