Nazi imibuzo emithathu ozibuzayo ngaphambi kokuba uthenge ikhaya lakho.
Kuya Kudala Kule ndawo?
Lo mbuzo uya kuhluka kwaye impendulo ingatshintshwa ngokukhawuleza ngenxa yeemeko ebomini bakho. Ngokufanelekileyo, kufuneka uhlale kwikhaya lakho lokuqala ukuya kwiminyaka emithathu ukuya kwemihlanu ngaphambi kokuba uhambe kwakhona. Kufuneka uhlale ixesha elide ukuze udibanise nakwi-mortgage. Ukuba uyazi ukuba uya kutshintshwa kwindawo entsha okanye uya kufuna ukunyuka ngobukhulu ngonyaka, kungcono ukuba ulinde ukuthenga ikhaya ngoko. Oku kuya kukuvumela ukuba ulondoloze inkokhelo enkulu kwaye ungenza kube lula kuwe ukufumana ikhaya oyifunayo.
Unokubanceda Kangakanani ukuhlawula?
Intlawulo yakho yonke yokubambisa imali kufuneka ingabi ngaphezu kwe-25% yengeniso yakho yonke. Unokwelula ukufikelela kwi-28% ukuba awukho na matyala athile. Ukuba uthabatha i- mortgage emibili (80/20 okanye i-80/15) ngoko kufuneka udibanise le ntlawulo ukuze ufumane ukuba uhlangabezana neempendulo.
Intlawulo yakho yenyanga yamatyala ngenyanga (kuquka i-mortgage) ayifanele idlule malunga ne-33% yengeniso yakho yonke. Ukuba ufikelela ngaphaya koko unokukwazi ukuhlawula, unobungozi bokulahlekelwa ngumzi wakho, ngoko ufanele ukuthenga ikhaya lakho. Ukuba awukwazi ukuhlawulela indlu oyifunayo , unokucinga ngokuqeshisa ixesha elide okanye ukhangele into engaphezulu.
Uxhaswa njani ngeNgxowa-mboleko?
Ukuba uhlawula ngemali nge-ARM (ukulungiswa kwezinga lokuthenga imali) awufanelekanga ukuba uthenge indlu . Umyinge wakho wenzala uya kunyuka kwaye ukwandise iintlawulo zakho, kwaye ngoko unokufumana kunzima ukwenza iintlawulo. Ubulungisa bakho abukwazi ukukhula ngokukhawuleza ukuvumela ukuba uhlaziywe ngaphambi kokuba isantya sakho sitshintshe ukukhahlela. Ukuba unayo imali nge 80/20 kufuneka usebenze ukuhlawula i-20 ngokukhawuleza. Unokufanelekela umboleko we-FHA ukuba le yikhaya lakho lokuqala. Kufuneka uqwalasele ubude bemboleko. Unokukhetha i-10, 15, 20, okanye i-mortgage yeminyaka engama-30. Sekude ixesha elikhethiweyo, inkokhelo yakho ephantsi yenyanga, kodwa ngaphezulu uya kuhlawula umdla kumboleko.
Ngaba i-Pass Pass Inspection? Ziziphi Iimfuno Zokwenziwa Kwenziwe?
Ngaphambi kokuba uthenge kufuneka uqiniseke ukuba ikhaya lidlula konke ukuhlolwa. Kuyafaneleka ukuba imali ihlawule ukuhlolwa. Oku kunokukunceda ukuba ugweme iimpazamo ezinkulu. Ukuba uceba ukulungiswa, kufuneka ukonge oku kubhajethi yakho, ngokunjalo. Eli nyathelo liza kukugcina ungangeni kuyo nayiphi na imingxuma xa uthenge indlu. Ukuba uthengela ikhaya oceba ukwenza iindawo zokugcina izibonelelo, usasafuna ukuhlolwa kakuhle kwekhaya .
Ngaba Ulungele Uxanduva?
Emva kokuba ungumnini wezindlu unembopheleleko ukuba isithando somlilo siphuma okanye ukuba ifriji yakho ife. Kufuneka ube ne -sinking fund elungiselelwe ukulungiswa kwekhaya. Ukuba uhlahlo lwabiwo-mali luqine kakhulu ngokuhlawula indlu, ngoko mhlawumbi awulungele kwaye kufuneka ulinde ukuthenga ikhaya. Unokufuna ukugcina isikhwama se-$ 5000 sinking yokulungisa ikhaya ngaphambi kokuba uthenge. Qinisekisa ukuba unako ukufumana i-inshurensi yakho yasekhaya ngokungekho kwintlawulo yakho yendlu. Unganikeli ingcinezelo yokuthenga ikhaya ngaphambi kokuba ulungele, endaweni yoko, linda uze uphendule ewe kuyo yonke imibuzo. Unokuvavanya ukuba ufanele urente okanye uthenge ngamnye unyaka de ube uzive ulungele ukuthenga ikhaya. Qinisekisa ukuba uqwalasela iindleko ezingalindelekanga okanye ezongezelelweyo xa uthengela ikhaya njengento yokuthenga ifenitsha entsha okanye upende.
Olu uluhlu lwezizathu zokuthenga okanye ukulinda lunokukunceda wenze isigqibo sakho.