Izinzuzo zoMboleko weNdabuko
Le yile mboleko ephezulu kakhulu yomboleki. Uya kufakraza kwisantya, kwaye ubeke iintlawulo. Ukuba ufanelekile kule mboleko, usenokwenzeka ukufumana ikhaya lakho . Le yintlawulo enkulu kunokuba awuyi kucinga ukukhathazeka malunga nentlawulo yakho ephakanyisiweyo ngenxa yokunyuka kwamaxabiso. Xa ukhangela imithwalo yempahla yemveli unganikwa ithuba lokuthenga amaphuzu ngenani eliphantsi. Ngokuqhelekileyo, uya kuhlawula loo maphulo ecaleni kwento oza kuyisindisa kuyo.
Ndingayifumanisa njani iMigqaliselo yeMboleko yam?
Ukuba unako ukulawula intlawulo ephezulu kwimali-mboleko yeminyaka elishumi elinesihlanu, uya kuba kwindawo engcono kakhulu. Oku kuya kufutshane ubude bembolekiso yakho kwaye kuncitshiswe ngokukhawuleza inani eligqityiweyo lokuhlawula inzala. Oku kunokuthetha ukuthenga ikhaya elincinci okanye ukuqiniswa kwezinye iindawo, kodwa emva kwexesha kuya kukunceda kakhulu.
Kufuneka ujonge kwakhona kwimimiselo efana nezohlwayo zentlawulo zangaphambili. Ungabona kwakhona ukuba unako ukufumana ilungelo lokunciphisa umrhumo omncinci ngokufumana ngokuzenzekelayo ukudluliselwa kwemali. Umthengi wemboleko kufuneka akwazi ukukunika iintlobo ezahlukeneyo zemali-mboleko ngemigaqo eyahlukileyo ongayikhetha.
Ndingayifumanisa njani ukuba Ndingayisebenzisa Kangakanani kwiNdlu?
Kufuneka ugcine iintlawulo zakho zokubolekwa kwemali malunga neepesenti ezingamashumi amabini anesihlanu zemali engenayo.
Oku kuya kukuthintela ukuba ube yintlupheko yendlu . Akufanele ubole ngaphezu kwalokhu, kuba unokukwenza kube nzima ukuhlangabezana nezinye iintlawulo zakho. Ungadinga ukulinganisa okulindelekileyo ukuze ulandele lo mgaqo. Ukulondoloza ubungakanani obuhle phantsi kwentlawulo kunokukunceda ukuba uhlawule ikhaya elincinci, kuba unokunciphisa inani olifunayo ukuboleka ngentlawulo ephantsi.
Xa uqala ukuthenga ikhaya , ungaqala ekhaya elincinci kwaye ucwangcise ukunyuka kwindlu enkulu. Le nto ingaba isicwangciso esihle, kodwa kufuneka ekugqibeleni ukhethe ikhaya oceba ukuhlala kulo ukuze uhlawule imali yakho. Kufuneka ugweme ukufumana imali mboleko yemali ukuhlawula amatyala akho okanye ukuhlawula imali. Oku kuya kwandisa inani lexesha ogqitywa ngalo ukuhlawula imali yakho, kwaye kunokubangela uxinzelelo olongezelelweyo njengoko usondela ngakumbi kumhlalaphantsi.
- Zama ukugcina izikwereti zakho zibe phakathi kwama-twenty-five and thirty percent of your income.
- Musa ukuboleka ngaphezu kokuba unakho ukuhlawula ngokukhawuleza inyanga nganye, nokuba ngaba ufanelekile ukufumana imali ephezulu.
Ndingayifumana Njani Iindlela Ezikhethileyo Zokuthenga Imali?
Thatha ixesha lokuphanda ngokucophelela ukhetho lwakho, kwaye usebenze nomthengisi wemboleko yokufumana imali yokubolekwa kwempahla enokuzikhethela.
Ingathatha ixesha elongezelelweyo, kodwa xa uthabatha umboleko wempahla, ufuna iimigangatho ezifumanekayo kuwe ukusuka kwikhaya lakho lithengi elikhulu. Uhlawula ukuba uthathe ixesha lokuvavanya zonke iinketho zakho. Kufuneka uqinisekise kwakhona ukuba ukhetha indawo yokuhlala ukuze ujonge ixesha elide. Xa uthengela ikhaya, uzivala ixesha elide kunexesha xa urenta, kwaye izinto zingatshintsha njengokuba nezingane kwaye zifuna isithili esikolweni esihle.
- Khumbula ukubheka izinga lakho lomdla, ubude bembolekiso nokuba ngaba kukho izigwebo zokuhlawulwa kwangaphambili.
- Thengisa okanye usebenzise umthengisi wemboleko oza kuthenga izinto ezahlukeneyo. Inkontileka yeebhanki okanye ibhanki nayo ingasebenzisa umrhwebi wemali yokuthenga imali ukunika ezinye iinketho.
Qiniseka ukuba Ulungele ukuthenga ikhaya
Kubalulekile ukulungele ukuthenga ikhaya.
Kukho izizathu zokuba ufuna ukuthenga ikhaya kunye nezizathu zokuba kufuneka ulinde ukuthenga ikhaya . Ukuba ungekho ngokwemali ukuthenga ikhaya, unokukhawuleza ube ngumthwalo kwaye ukuya kwi-foreclosure kunokuchaphazela yakho i-credit kwaye kwenza kube nzima ukuthenga entsha kwixesha elizayo. Ukuhlawula ityala lakho labathengi kunye nokwakha uhlahlo lwabiwo-mali oluya kulandelwa ngaphambi kokuba uthenge luya kwenza inkqubo yokuthenga ikhaya lula kwaye yenza ukuba kube lula ukuba uqhubeke nokuhlala ekhaya.