Ukuguqula ikhaya lakho kwindawo yokuqeshisa ngaphandle kweeLanga
Ukuba ufuna iingcebiso malunga nendlela yokuqasha indlu, ufike kwindawo efanelekileyo. Ngaba uchitha indlu yakho ingcinga efanelekileyo? Mhlawumbi. Kukho izizathu ezininzi ezifanelekileyo zokuqasha indlu. Abanye abaninikhaya banquma ukurenta izindlu kuba akudingeki bathengise ukuze bathenge enye. Abanye bafuna utyalo-mali, kwaye ukuqeshisa ngaphandle kwindlu kunokube bekuyicebo labo xa bethenga indlu. Sekunjalo, abanye abanikazi bezindlu banokunyanzeliswa ukuba baqeshwe indlu kuba kufuneka bahambe kwaye abanako ukuthengisa.
Mhlawumbi aba bahlali bahanjiswe ngumqeshi kwaye baqonda ukuba abanakuyithengisa indlu yabo ngenxa yokuba imarike ayinakho ukuthengisa ekhaya . Ngokomzekelo, abathengisi bamakhaya angaphantsi kwamanzi bangakhetha ukungazenzi ukuthengisa okufutshane kwaye banokukhethwa ukuba bazame ukukhwela emakethe ngokuqeshisa ikhaya labo. Kungakhathaliseki isizathu sokuqasha indlu, kungekhona bonke abathengisi abakwaziyo ukukwenza.
Xa ndithengeza enye indlu ekuqaleni kwee-1990, ndaqasha indlu yam ekhoyo. Ndithenge indlu nge-$ 100 phantsi kwaye ndithatha imali ekhoyo . Iindleko zokuhlawulwa kwemali mboleko zazincinci kangangokuba ndandigcina indlu yam ekhona kunokuyithengisa.
Mhlawumbi iphutha elikhulu endiyenzileyo kwakungekho kuqhuba ingxelo yengxelo yemboleko kulaba baqeshwe. Ndabanika isicelo sokuqashisa kwaye ndatsho ukuba ndiza kuqhuba ingxelo yengxelo yemboleko . Ndayilumkisa ukuba ukuba benayo nayiphi na inkokhelo ehlekisayo mhlawumbi kufuneka ichaze ezo ziboleko zemboleko kum.
Ngokwemfundiso, loo mkhuba kufuneka isebenze. Abaqeshi baya kundixelela malunga nentlawulo engaphantsi kweminyaka eyadlulayo kwiiSears. Mhlawumbi andizange ndifune ingxelo yangempela yekhredithi? Kodwa abaqeshi nabo banako ukuxoka. Ngenxa yoko, andiyicebisa loo ndlela.
Abaqashi beSkrini ngaphambi kokuba Uqeshe indlu
Abaqashi bam bokuqala basayina isicelo sokuqeshisa esineenkcukacha eziqeshwe ngabaqeshi ekuvunyelweni kwesicelo sabo ukusayina isivumelwano sokuqashisa.
Ndavumile, kwaye bavuma ukutyikitya isivumelwano sokuqasha. Ndabathabatha kwiNkundla Yamangalo Amancinci ndaza ndawuthola isigwebo, endikunyanzelisayo. Andisayisebenzisi isicelo esinjalo sokuqashisa njengoko ifom leyo ayinakusemthethweni.
Nayi iindidi zezinto umntu ohlala kuyo kufuneka afumane malunga nomqashi ngaphambi kokuqasha indlu kumfokazi:
- Abaqeshi baDlulileyo nabaNje
- Abadala beZakhiwo
- Iimfanelo zeNkcazo zeMali kunye neNyanga
- Izikolo zemali
- Inani labahlali (ngokubhekiselele kuMthetho wokuHlulwa koHlomelo lweZindlu ka-1988)
- Iintlobo zezilwanyana zezilwanyana
- Ingxelo yamapolisa
- Iingcamango zomntu
Ngokuqeshisa iNkampani yoLawulo lwePropati ukuThengisa iNdlu yakho
Ukuba olu lwazi lixesha elide lokuqokelela okanye kunzima ukufumana nokuqinisekisa, umninikhaya angafuna ukuthenga isivumelwano kunye nenkampani yolawulo lwezakhono. Iinkampani zolawulo zihlawulisa i-8% ukuya kwi-10% yerenti yenyanga, kodwa iya kwenza wonke umsebenzi egameni lomninikhaya.
Ngaphezu koko, kuya kuba nemithetho yombuso kunye nomthetho wokulandela. Umzekelo, bonke abanikazi bezindlu kufuneka bahambisane noMthetho weZindlu zoLungileyo . Ukongezelela, kukho imimiselo yesigqeba ukuhambelana nemirhumo yesixeko ukuhlawula. I- arhente yendawo yendawo yokuhlala ingaba ngumthombo wakho ongcono kakhulu wokufumana iingcebiso zeenkampani zolawulo lwepropati.
Nazi izinto ezininzi iinkampani zokulawulwa kwepropati eziya kwenza umninikhaya:
- Bhengeza indlu ngerenti
- Abaqeshi bekhredithi
- Ukuqokelela irente kunye nezokhuseleko
- Xoxani ngezivumelwano zokuqeshisa kwaye usayine iiqeshiso
- Ukuqhuba ukuhlolwa kwepropathi ngezikhathi ezithile
- Imiba yokulungisa izixhobo
- Ukukhutshwa kwefayile, ukuba kuyimfuneko
- Ukusebenzisana nezilwanyana ezifuywayo kunye nomthetho
Iphulo: Ukuba uphatha indlu yakho yokuqashisa, unokufuna ukuhlawula imoto yomqeshi. Ucocekile kwaye usemgangathweni? Okanye ukubetha kunye nokutshatyalaliswa? Oko kungabonisa ukuba umqeshi uza kugcina njani indlu yakho yokuqashisa. Akukho mntu ufuna ukuphelisa ukukhupha umqeshi.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.