Ukuthengwa kwekhaya yinkqubo yokuxhatshaza - enye inokuba yinto enomdla kwaye ithemba ngamanye amaxesha, idangele kwaye idangele kwabanye. Ezi ziphezulu kunye neentsikelelo zinokukunxiba kwaye zifake isigwebo sakho, kuze kube yintoni apho wenze izigqibo ezinokuthi uzakuzisola emva koko. Esinye isigqibo sokuba abahlala ekhaya babuye bathenge ikhaya abanako ukufikelela .
Nangona iimfuno zebhanki zokufumana imali yokuboleka imali namhlanje zinzima kunokuba zingaphambi kweengxaki zezindlu zango - 2007 , ababuyiselwa ekhaya bangakwazi ukuzithoba ngokugqithiseleyo kunokuba bafune ukuhlafuna - kwaye bangakwazi ukuyiqonda emva kokuthenga.
Nazi iimpawu ezintlanu othengayo ikhaya ongenakukwazi ukufumana.
1. Imigomo yokuThengisa iMali
Ukuba iimimiselo zenkxaso-mali yakho zibukeka njengomxube weekhredithi (umz., Ukubolekwa kwemali yokuqala, ukuboleka kwemali yesibini, umyinge kuphela, uhlawulelo oluchitshiweyo, ixesha elide, kunye nebhalothi yokuhlawulwa), oko kubonisa ukuba awukwazi ukufumana ikhaya lakho khangela ukuthenga.
Ngokufanayo, ukuba umthengisi wakho ukhuthaze ukuba wamukele imigomo yokubolekisa engaphantsi kwecebo kunye nokucwangcisa ngenye indlela ngaphantsi komgwaqo, ukuba ngokwawo ibhendi ebomvu, njengoko kungekho siqinisekiso sokuba uza kukwazi ukulungiswa kwimigangatho engcono .
Ukuba ukuxhaswa kwemali kunyanzelekile nangayiphi na indlela, uzisa phezu kokungaphezulu kwakho kwaye ungasifumana emva kwenkathazo.
2. IiNkqubo zoNcedo zoNgeniso lweNtlawulo
Kukho iiprogram ezininzi ezilungiselelwe ukunceda abakhokheli ngeentlawulo zabo phantsi kunye neendleko zokuvala. Nangona ezi nkqubo zenzelwe ukususa izithintelo kubanikazi bezindlu kunye nokukhuthaza uqoqosho lwezindlu, oko kuthetha ukuthini uncedo akusoloko.
Ukuba awulungele imicimbi yezemali yokuthenga nokwenza ikhaya, ungena kwelinye ngaphambi kokuba ulungele okanye ungene kwenye ongeke ukwazi ukufumana ngaphandle kokuba uncedo luya kukulimaza ngaphezu kokulungileyo.
3. Unelungelo elifanelekileyo lokufihla intlawulo
Uyenzile ukunyamekela kwakho kwaye usebenzise i- calculator yokuhlawula imali yokufumana imali ukuba ufumane intlawulo entsha kwibhajethi yakho.
Ayikho igumbi eligubhayo, kodwa uziva unako "ukwenza ukuba isebenze."
Gcina ingqalelo, iindleko zobunikazi basekhaya zihamba ngaphaya kwemali yakho. Ukongeza kwintlawulo yakho yenyanga, kuya kufuneka uhlawule izindleko zokugcina nokuphucula ikhaya lakho kunye nepropati. Kwaye uza kufuneka ukwazi ukusingatha ukungalindelekanga - umbane ophukileyo, uphahla oluvuzayo, okanye iindleko ezininzi ezongezelelweyo eziza kuba nekhaya .
4. Ukuboleka kwiAkhawunti yomhlalaphantsi
Abaninzi ababuyiselwa ekhaya baboleka kwiakhawunti yabo yomhlala-phantsi ukuze bancede bahlawule ukuhlawula kwabo. Nangona kuyi nyaniso ukuba unako ukurhoxisa iimali ezingenasohlwayo kwiRoth IRA ukuthenga ikhaya lakho lokuqala, kuyinyaniso ukuba ungazikhupha imali ejoliswe kwixesha elizayo.
Khumbula isizathu sokuba ukhethe ukugcina umhlalaphantsi kwindawo yokuqala. Ukuba ukungena kwi-akhawunti yakho yokugcina umhlalaphantsi kukukhetha kwakho kuphela ukuthenga ikhaya, oko kuyisayilumkiso.
5. Unesizathu sokucoca
Akuqhelekanga ukuba uthathe iinyawo ezibandayo phambi kokuthenga okukhulu kunakho konke owake wakwenza. Kodwa ukuba ungeke ukwazi ukugubungela ingqondo edibanisayo yokuba uzimisele ukuluma ngaphezu kokuba ungahlafuna, ke le nto intuition ingaba yikhombisi enkulu kunazo zonke ukuba uhamba endleleni omele ujike kuyo.
Akulungele ukuvuma, kodwa uya kuqonda ngokunyanisekileyo ukuba ikhaya othengayo likhulu kakhulu.
Ukuba unokungabaza okanye ukungaxolisi, uya kubenzela inceba ngokuwaphulaphula-nokuba ngaba kuthetha ukuthatha idluli ekhaya.
Gwema ukwenza iNgcombolo Uza kuzisola emva koko
Ngenxa yokuthengwa kwekhaya yisigqibo esibalulekileyo, qiniseka ukuba usondela kuyo ngentloko ecacileyo. Musa ukuza kubanjwe kwiimvakalelo zokuba nekhaya elingaboniyo kwimeko enokungena kuyo.
Ngokufanelekileyo, iqela lakho labaqeqeshi liya kukukhokela kwisigqibo esona siphumelele kuwe. Kodwa umthengisi wakho weentengo kunye ne-agent ye-estate estate angaba ne - mortgage yakho yokuhlawula, kwaye unokukukhokelela kwindlela ezuzisa ngayo. Uyakufuna ukuba ngowona uhlaziye ngokwenene ukhetho lwakho kwaye ukhethe okulungileyo kuwe.
Ukuba ufuna ukugwema ukuhla endleleni ongayizisola ngayo, qaphela le miqondiso yezilumkiso, kwaye uzimisele ukulibazisa ukuthengwa kwekhaya uze ufikelele.
Uya kuzibulela kamva!