Isikhokelo sabathengi kunye nabadayisi
Eli phepha lijongene nerenti ukuba libe neentengiselwano ezibandakanya ikhaya, kodwa kukho ezinye iintlobo zeenkqubo apho.
Yiyiphi Ingqeshiso Yakho?
Ukuqeshisa ukuba neyakho yindlela yokuthenga okanye ukuthengisa into ngaphezulu kwexesha, unike umthengi "ukhetho" ukuthenga ngexesha elithile kwixesha elizayo.
Ngomthengi wendabuko kunye nentengiso, umthengi kunye nomthengisi bagqiba ukuthenga ngaphezulu okanye ngaphantsi kwangoko emva kokuvuma kwimigqaliselo (ekuvaleni), kodwa ukuqeshisa ukuba uqobo kuyahluke.
Ngaphantsi kwesiqeshiso ukuya kwisivumelwano, umthengi kunye nomthengisi bavumelana nokuba kungenzeka ukuthengiswa ngethuba elizayo. Ekugqibeleni, umnini-ntengo / umthengi unquma ukuba ukuthengiselana kuya kwenzeka ngokwenene. Okwangoku, umthengi wenza iintlawulo kumthengisi, kwaye inxalenye yalezo ntlawulo (ngokuqhelekileyo) zinciphisa imali efunekayo ukuthenga indlu emva komhla.
Kutheni Kuthengwa Ngokuqeshisa Kwakho?
Ukuqeshisa kwiiprogram kungabakhokelela kubathengi, ingakumbi abo balindele ukuba babe namandla kwiimali kwiminyaka embalwa.
Thenga ngetyala elibi: abathengi abangakwazi ukufumana umboleko wesikolo bangaqala ukuthenga indlu kunye nerenti ukuze bavumelane. Ngokuhamba kwexesha, banokusebenza ekwakhiweni kwamanqaku abo esikhredithi , kwaye banako ukufumana imali mboleko xa ekugqibeleni ixesha lokuthenga indlu.
Vala kwixabiso lokuthenga: Kwiimarike ngokunyuka kwamaxabiso asekhaya, abathengi banokufumana isivumelwano sokuthenga ngeli xabiso lamanje (kodwa ukuthenga kuya kubakho iminyaka emininzi kwikamva). Abathengi banokukhetha ukubuyela ngaphandle xa amaxabiso asekhaya awela, nangona ukuba ingaba okanye akunjalo ngengqondo ngemali kuya kuxhomekeka kubangakanani abaye bahlawula phantsi kwesivumelwano.
Uvavanyo lokuqhuba: Abathengi banokuhlala kwikhaya ngaphambi kokuba benze ukuthenga ipropati. Ngenxa yoko, banokufunda ngemicimbi kunye neendlu, abamelwane bamabhozo, kunye nezinye iingxaki ngaphambi kokuba zihambe kakhulu.
Hambisa ngaphantsi: Abathengi abazinikezele kwikhaya nangomakhelwane (kodwa abakwazi ukuthenga) bangena endlwini abazakuyithenga ekugqibeleni. Oku kunciphisa indleko kunye nokuphazamiseka kokuhamba emva kweminyaka embalwa.
Ukwakha ubulungisa: Ngokwenene, abaqeshisi abayakheli ubulungisa ngendlela efanayo nabaninikhaya. Nangona kunjalo, iintlawulo zinokuqokelela kwaye zinike isamba esiphezulu esifanele sibhekiswe ekuthengweni kwekhaya. Abathengi banokugcina imali kuphela kwi-akhawunti yokulondoloza kwaye basebenzise ezo zimali endaweni yoko (ukuphepha iingcambu zokuqeshisa zibe ngabakho, kwaye banike amandla okuthenga nayiphi na indlu).
Kutheni Kuthengisa NgeThengi?
Abathengisi banokufumana inzuzo kwirenti ukuya kumalungiselelo abo.
Abathengi abangakumbi: Ukuba unenkathazo ekukhange abathengi, unokuthengisela abathengi abanethemba lokuthenga kwikamva. Akunjalo wonke umntu unelungelo lokuthenga ngetyala kwaye unokufumana ilungelo lokuboleka imali, kodwa wonke umntu ufuna indawo yokuhlala.
Fumana ingeniso: Ukuba awudingi ukuthengisa ngokukhawuleza kwaye usebenzise imali enye inhlawulo yentlawulo , unako ukufumana ingeniso yokuqeshisa ngelixa uhamba ekuthengiseni ipropati.
Intengo ephakamileyo: Unokucela ixabiso eliphezulu lokuthengisa xa unikezela irente. Unika ithuba lokuba abantu bazimisele ukuhlawula. Abathengi banakho "ukhetho" ukuthenga indlu - okungenakuze basebenzise
Umnini-mali: Umntu onokuthenga unako ukunyamekela ipropati (kwaye uhambelane nabamelwane) kunomntu ongenanto ngaphandle kwesikhumba. Umthengi usele utyalomali kwipropati kwaye unomdla wokulondoloza.
Ingaba isebenza kanjani
Yonke into iyaxoxisana: Ingeniso yokuthengwa kwempahla, eyaziwa njengento yokuqeshisa, iqala ngesivumelwano. Bobabini umthengi kunye nomthengisi bavumelana nemigangatho ethile, kwaye yonke imiqathango ingatshintshwa ukuze ifanelane neemfuno zabantu bonke. Ngokuxhomekeke kwizinto ezibalulekileyo kuwe (nokuba ungumthengi okanye umthengisi), unokucela iimpawu ezithile ngaphambi kokuba usayine isivumelwano.
Umzekelo, unokucela inkokhelo enkulu okanye encinci phambi kwentlawulo ukuba oko kuya kunceda kuwe.
Iseluleko kubalulekile: Qiniseka ukuba ubuyekeze nayiphi na isivumelwano kunye nommeli wezezindlu ngenxa yokuba le ntsebenziswano ingaba nzima, kwaye kukho imali eninzi ebandakanyekayo. Ukuqeshisa kwii-intsebenziswano zenzeke kakhulu kubathengi. Iziqholo ezininzi zixhamla abantu abaneentengo ezibi kunye nethemba eliphezulu lokuthenga ikhaya. Nangona uthengisi othembekileyo, unokukwazi ukulahlekelwa yimali eninzi ukuba izinto azihambi njengoko zicwangcisiweyo.
Inketho yokuthenga: Ekuqaleni kwanoma yiyiphi inqatyana yokuthengisa, umthengi uhlawula umthengisi inkcazo ye- premium , esoloko ibe malunga neepesenti ezintlanu zexabiso lokugqibela lokuthenga (nangona ngokuqinisekileyo liphezulu okanye liphantsi). Le ntlawulo inika umthengi ilungelo okanye "inketho" - kodwa kungekhona uxanduva - ukuthenga ikhaya ngexesha elizayo.
Akukho ukubuyiselwa kwemali: Intlawulo yeprayimenti yokuqala ayifumanekanga, kodwa inokusetyenziswa kwixabiso lokuthenga (ukuba umthengi athengise ikhaya, akayi kuvela kunye nemali eninzi). Iintlawulo ezinkulu zokukhetha ziyingozi kubathengi: ukuba le nto ayifuniyo nayiphi na isizathu, akukho ndlela yokufumana imali leyo. Umthengisi uhlala egcina ukugcina iintlawulo ze-premium emva kwerenti ukuba uphethe ukuthengiswa.
Intengo yokuthenga: Umthengi kunye nomthengisi usethe intengo yokuthenga ekhaya kwikontrakthi yabo. Ngexesha elizayo (ngokuqhelekileyo phakathi kweminyaka emihlanu ukuya kwemihlanu, kuxhomekeke kwiintetho), umthengi angathengisa ikhaya elo xabiso-kungakhathaliseki ukuba yintoni eyaneleyo ikhaya. Xa ubeka intengo, intengo ephakamileyo kunexabiso langoku ayiqhelekanga (ngaphandle koko, umthengisi ulungele ukuthengisa nje namhlanje). Ukuba ikhaya likhuphuke ngexabiso ngokukhawuleza kunokuba likulindeleke, izinto zisebenza kwintengiso yomthengi. Ukuba ikhaya lilahlekelwa lixabiso, umnini-mboleki mhlawumbi akayi kuthenga ikhaya (ngokukodwa ngenxa yokuba kungenako ukuqonda, kwaye ngenxa yokuba umninimzi akanako ukufumana umboleko omkhulu ngemilinganiselo ephezulu yemali-mboleko ). Abathengi bavame ukufaka isicelo sokuthenga imali xa kufika ixesha lokuthenga ikhaya.
Iintlawulo zenyanga: Umthengi / umninimzi wenza kwakhona iintlawulo zenyanga kumthengisi. Ezi ntlawulo zisebenza njengeentlawulo zerenti (kuba umthengisi usele propati), kodwa umninimzi uhlawula ngokukodwa kwenyanga nganye. Ixabiso elongezelelweyo lidla ngokuba lixabiso lokugqibela lokuthenga, ngoko kunciphisa inani lemali umthengi kufuneka afike ngayo xa uthenga indlu. Kwakhona, isaphulo esongezelelweyo "i-premium" ayihlawulwanga - inxephezela umthengisi ukuba alinde ukuza kubona ukuba umthengi uya kwenza ntoni (umthengisi akakwazi ukuthengisa loo propati kunoma ubani omnye de kube kungenjalo isivumelwano kunye nomnini-mboleki).
Isondlo: Wonke umntu uquka inzuzo evela kwikhaya eligcinwe kakuhle, kodwa ngubani na omele ahlawule? Isivumelwano sakho kufuneka sichaze ngubani ojongene nokugcinwa rhoqo kunye nokulungiswa okubanzi. Ezinye izivumelwano zithi nantoni na ngaphantsi kwe-$ 500 ngumthwalo womthengi, kodwa imithetho yendawo ingabangela ingxaki kwimicimbi (abanikazi bezindlu banokufuneka ukuba banikele ngamalungiselelo athile, nangona isivumelwano sakho sichaza ngenye indlela).
Ukuqeshisa kwiindawo zokungena
Akukho nto igqibeleleyo, kwaye iquka ukurenta kwiinkqubo. Ezi zintengiselwano ziyinkimbinkimbi, kwaye bobabini abathengi kunye nabathengisi banokufumana iimangalisa ezingathandekiyo. Imizekelo embalwa ibhalwe apha ngezantsi, kodwa uludwe lwezinto ezinokuthi zingalunganga lude. Ummeli wendawo yendawo yendawo kuphela unokukunika ingcamango enhle yinto ejongene nayo kwimeko yakho, ngoko qi niseka ukuba uvakashele omnye ngaphambi kokuba utyikitye nantoni na.
Iingozi zabathengi
Ukulahlekelwa yimali: Ukuba awuyithengi ikhaya - nangaliphi na isizathu-ulahlekelwa yimali eyongezelelweyo oyihlawulayo. Abathengi ababethelwa lula bangenza kube nzima okanye bangakuthandi ukuthenga.
Inkqubela ephambili: Unokucwangcisa ukuphucula i-credit yakho okanye ukwandisa ingeniso yakho ukuze ufanele ukuboleka imali xa ukhetho luphela, kodwa izinto zingenakusebenza njengoko zicwangcisiweyo.
Ukulawulwa okuphantsi: Awuyikho loo propati, ngoko awukwazi ukulawula ngokupheleleyo. Umnini-mnini wakho unokuyeka ukuhlawula imali kunye nokulahlekelwa kwipropati ngokuchithwa kwempahla , okanye unganakho ukulawula izigqibo malunga nezinto ezinkulu zokugcina. Ngokufanayo, umninikhaya wakho angalahlekelwa isigwebo okanye ayeke ukuhlawula irhafu yendawo kunye nokuphelisa izibambiso kwipropati . Isivumelwano sifanele sijongane nazo zonke iziganeko (kwaye umnini-mhlaba akavumelekanga ukuba athengise ngelixa unenketho kwipropati), kodwa iimfazwe zomthetho zihlala ziintlungu ezinkulu.
Amanani ahlayo: Amanani asekhaya angase awele , kwaye unako ukukwazi ukuphinda uxoxise ixabiso elithengiweyo eliphantsi. Emva koko ushiywe ukhetho lokulahlekelwa yonke imali yakho yokukhetha okanye ukuthenga indlu. Ukuba umnini-mboleko wakho akayi kuvuma umboleko ogqithiseleyo, uya kufuneka ufumane imali eyongezelelweyo ukuvala ukuhlawula.
Ukuhlawulwa kwexesha elihle: Kuxhomekeke kwisivumelwano sakho, ukuba awuyi kuhlawula irente ngexesha, unokulahlekelwa ilungelo lokuthenga (kunye nazo zonke iintlawulo zakho ezongezelelweyo). Kwezinye iimeko, ugcina ukhetho lwakho, kodwa ukuhlawulwa kwakho okuthe xaxa kwenyanga "akubalwanga," kwaye akuyi kudibanisa kwisixa oqokelele ukuthenga okokugqibela.
Imiba yasekhaya: Kukho iingxaki malunga nepropathi ongazi ngayo uze uzame ukuyithenga (njengeengxaki zetayitile). Phatha irenti ukuze uzuze ukuthengwa njengento yokuthenga "yangempela" - fumana ukuhlolwa kunye nesicatshulwa ngaphambi kokungena.
Izikratshi: Ukuqeshisa ukukhwabanisa kuyindlela ekhangayo yokuthabatha imali eninzi kubantu abangenayo indawo ekhuselekileyo yemali.
Iingcipheko zabaThengisi
Akukho qiniso: Umnini-mboleki wakho angeke athenge, ngoko kufuneka uqale kwakhona kwaye ufumane omnye umthengi okanye umnini-mali (kodwa ubuncinci ukuba ugcine imali eyongezelelweyo).
Nciphisa imali: Awufumani i-sum sum-sum, enokufuna ukuyithenga indlu yakho elandelayo.
Ixabiso lokungaphumeleli: Ufakela ngokukrola ngentengo yokuthengisa xa usayine irente ukuze uvumelane, kodwa amaxabiso asekhaya angakhula ngokukhawuleza kunokuba ulindele. Unokwenza ngcono ukurenta indawo kwaye ufumane isivumelwano sokuthengisa kwikamva (okanye ungenako).
Ukuhla kwamanani asekhaya: Amanani asekhaya angase awele, kwaye ukuba umnini-mali wakho akawathengi, ubuya kuba ngcono xa uthengisa ipropati.
Ukufumanisa iimpazamo: Abathengi banokufumana iimpazamo ongazange wazi malunga nokusebenzisa ikhaya ngokuhlukileyo, kwaye banokugqiba ekubeni bangathengi. Mhlawumbi i-plumbing inokusingatha isibini, kodwa kungekho intsapho yesihlanu, kwaye akukho mntu wayenokukwazi malunga nomcimbi. Awuzami ukukhohlisa nabani na - sisiphene esingazange siphume ngaphantsi kwesilungiselelo sokuphila kwangaphambili - kodwa ngoku siyinkinga kwaye kuya kufuneka uyixelele kubathengi besikhathi esizayo (okanye uyilungise).