Khetha
Imali-mboleko yokwakha, njengoko igama libonisa, ngokwenene kuthenga umhlaba kunye nokwakha (okanye ukuphucula) izakhiwo.
Zihlala zingaphaya kweenyanga ezili-12, ngoko ke kufuneka udinga indlela yokutshintshwa kwemali-mboleko yesikhathi eside (ngokukodwa ukuba ufuna iintlawulo ezisezantsi ezakuza ne-mortgage iminyaka engama-30). Xa isakhiwo siphelile, kuya kufuneka uhlawule umboleko wokwakha - kwaye abaninzi abantu bakwenza oko ngokuyitshintsha ngemboleko ekhangeleka njengowomgangatho oneminyaka eli-15 okanye iminyaka engama-30 yokuthenga imali.
Iimali-mboleko zokwakha ezikufutshane-mali zivumela ukuba ufumane iitalente (umboleko wokwakha kunye nemali mboleko). Xa ukwakhiwa kuqwalaselwa, umboleko wakho uba ngumhlalaphantsi wemveli (umboleki wakho unokuthi utshintshwe, uguquke okanye uhlaziywe ). Ezi mboleko zikwabizwa ngokuba yimali-mboleko yokwakha.
Imali-mboleko emibini yokuvala idinga ukuba ufumane imvume yokuboleka imali emibini. Imali-mboleko yokwakha iya kuxhaswa kwiprojekthi yakho, kwaye ke uya kufuneka ufake isicelo (kwaye ufumane imvume) isibonelelo semali esigxina ngokukhawuleza - emva kokuqulunqwa komsebenzi.
Ngokuqhelekileyo uyafuna ukwazi into engcono, kwaye kunjalo, kuxhomekeke kwimeko yakho. Ezinye zezibonelelo kunye neengxaki zokuboleka imali mboleko zidweliswe ngezantsi.
Iingenelelo zokuvalwa kwexesha elilodwa
Ukuba uthanda ukuyothenga enye, unokuxhomekeka kumboleko osondeleyo.
Esinye isicelo: Ukufaka isicelo semboleko kungathi uzive njengeprojekthi yophando olungapheliyo .
Ngomboleko omnye-osondeleyo, kufuneka uhambe ngenkqubo kuphela.
Ukuvala omnye: Ukuvalwa kwamanyathelo kuthetha iindleko eziphezulu . Nangona kunjalo, ulwahlulo lweendleko alunokuba luphawu olumangalisayo (uya kufuneka uhlawule iindleko eziliqela - njengexabiso lokuhlaziywa emva kokuqulunqwa kwezakhiwo - nokuba usebenzisa enye okanye ezimbini mboleko), kwaye akudingeki ukuba uphume ngaphambi kokuvala omnye .
Akukho ntlawulo: Nabanye ababolekisi, iindleko zenzalo ngexesha lesakhiwo zingafakwa kwi-mboleko yakho engapheliyo. Oku kwenza ukuba kube lula kuwe ukwenza iintlawulo zezindlu ngelixa ulinde ikhaya lakho elitsha lokwakhiwa, kodwa oko kuthetha ukuba uya kuhlawulwa ngaphezulu (kwaye uhlawule umdla omkhulu ) kwaye wenze iintlawulo eziphezulu ngaphezu kobo mboleko obutsha. Ngaphezu koko, iintlawulo zokuhlawula i-postponing ingabonakalisa ukuba uyolulela izinto ezincinci.
Ukhuseleko: Ukuba noxhasomali olusisigxina endaweni - ngaphambi kokuba uboleke ukwakhiwa - kuthetha ukuba uthatha ingozi encinane. Ukuba ulahlekelwa ngumsebenzi wakho kwisigaba sokwakha, uya kufumana inkxaso-mali. Ngexesha lokuvala ezimbini, unokuba nzima ukukholisa umbolekisi ukuvuma imvume yakho ngexesha uphakathi kwemisebenzi - kwaye oko kunokuthetha ukulahlekelwa yindlu ngaphambi kokuba uhlale kuyo. Naliphi na inani lezinto lingahambi kakuhle ngexesha lokwakha, kwaye unomncinci wokukhathazeka malunga nokuba uzinikezele kwi-lender ukusuka ekuhambeni.
Irey rate yokulondoloza : Ukugqiba imali yakho yokugcina imali kukunceda ucwangcise ikusasa. Uya kwazi ukuba yeyiphi inzala yakho, ukuze ubale kunye nohlahlo lwabiwo mali ngenyanga. Unako ukuvalela kwisantya ukuba ucinga ukuba amaxabiso aya kuphakama kakhulu ngelixa lwakhiwo (ukuba amazinga awela endaweni, abanye ababolekisi bavumela ukuba ulungelelanise).
Iingenelo zeeMali ezininzi
Ewe, akukho nto enjengokutya kwamahhala, ngoko nantsi iimbalwa zokungabikho kwemali-mboleko yokuvala eyodwa.
Amanani aphakamileyo: Iimali-mboleko ezizimeleyo zingase zifike ngezinga elingaphakamileyo (kwimali-mboleko yokwakha kunye nomboleko osisigxina), kodwa awukwazi kuze kube yilapho ufake isicelo sesibini kunye nokuthelekisa izibonelelo. Xa usebenzisa i-mboleko enye, unciphise umngcipheko wakho kwaye ujabulele ukulungelelaniswa kokuvala omnye; ezo ntlawulo ziza ngeendleko.
Ukunyaniseka: Xa usebenzisa enye mboleko, kuya kufuneka ukhethe inkqubo eyilungelelanisiweyo (nangona unokufumana umboleki-mali owanikela ngokuchanekileyo okokufunayo - abanye ababolekisi banika ukhetho lwakho lokuvala-oneminyaka eli-15, iminyaka engama-30 kunye ne- ARM mboleko ). Ukugcina isahlulo sakho semali esigxina sithetha ukuba uya ku-marketplace kwaye usebenzise naluphi na olufunayo, nangaluphi uhlobo lomboleko.
Akukho zicwangciso zokwakha
Ukuba awukwazi ukuba okanye xa uza kuyakha kodwa ufuna ukuthenga umhlaba, imali -mboleko yodwa ingaba yindlela engcono. Nangona kunjalo, kulula ukubolekeka xa unesicwangciso sokongeza kwipropati kwixesha elizayo. Ukuthenga umhlaba obomileyo kubonisa imingeni emikhulu, ngelixa ukugqiba amaninzi kulula kakhulu ukufumana imvume.